There are many options for healthcare insurance with different implications for the particular choice of coverage and the circumstances of the individual applying for the health insurance coverage. The available health insurance plans are generally divided into three categories including the Health Maintenance Preferred Organization (HMO), a type of health insurance plan that only gives the insured the option of selecting a primary care physician from a predetermined pool of physicians who are already available on that particular insurance company’s network. Another type of health insurance plan is the Preferred Provider Organization (PPO), a plan that is less rigid than the HMO in the sense that it gives the insured individual the latitude to consult either a physician on the network of the insurance company or one who is not. The High Deductible Health Plan (HDHP) is even less restrictive than the other two in the sense that gives the insured the option of meeting a high deductible for both the prescripti

HMO健康保险计划的条件会影响健康保险的共付额，因为在这个计划下使用任何健康服务通常都有一个固定的预定共付额。 这个共付额的确切比率是由有关的保险公司决定的。 这种计划通常对看不同类型的医生收取不同的共付额，即使他们是在健康保险网络内。 因此，初级保健医生的共付额将与产科护理的共付额不同。

在PPO计划下，影响健康保险共付额的因素也是由健康保险公司和各种计划的规定所决定的。 在这种特殊的健康计划中，选择看保险网络内的医生或网络外的医生会引来不同的共付额。 咨询网络外的医生通常会导致共付额，可能会按所产生的总费用的40%计算。

在HDHP计划中，影响健康保险共付额的因素是不同的，因为被保险人在满足免赔额之前，不会因为任何被批准的健康服务而必须支付任何共付额。 然而，在某些情况下，当事人可能被要求支付余额的差额，并分别被拒绝报销。 例如，当事人可能超过允许的程序金额或在未获得许可前从事某些程序。