what is the difference between HMO & HSA & PPO health insurance plans? and which one is better to have?

My husband and I do not have health insurance and were trying to get pregnant. I really need to purchase a good health insurance plan. I was thinking of choosing Kaiser. And I have no clue about the health insurance lingo. Can someone help me. Sincerely, Jennifer
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The basic differences: With an HMO you must select a primary care doctor, and must get referrals from that doctor to see a specialist. If you want to change primary care doctors you must first notify the insurance company and cannot see the new doctor until the change has been processed. You cannot go outside of the doctor network except in emergencies. In general, the premium will be higher but your cost when you use medical services will be lower. With a PPO you do not have to select a primary care doctor and you do not have to get a referral to see a specialist. You can go outside of the network although your cost may be higher. An HSA is just a PPO that has a higher deductible and allows you to open up a health savings account that works much like an IRA. My advice would be to visit a local agent that works with Kaiser as well as all of the other major companies in your area. The agent can find the best plan for your situation and budget. They can explain what you get and, more importantly, what you don't get with each policy and can answer all of your questions. There is no extra charge using an agent. Be aware that with individual policies there will be a waiting period for maternity coverage. The agent can explain how long this waiting period will be with each different policy.
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