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	Insurance--Health Insurance   Health maintenance organizations Annuities Auto Insurance Small business insurance Long term care insurance Health Insurance -Know your COBRA rights -Health plans for college students -IPAA: Your rights to health insurance portability -HMO: Health maintenance organization -POS: Point of service plans -PPO:Preferred provider organizations Home Insurance Life Insurance Travel insurance HMOs are the least expensive health insurance option, but they are also very inflexible. They are usually used by groups that seek health insurance, such as employment provided insurance. HMOs offer low co-payments, very little paperwork and coverage for most preventative-care programs. However, you usually are required to choose a primary care physician, known as your PCP. You are only allowed to see network doctors to receive coverage. If you want to see a specialist, you will be required to have a referral from your PCP.