An EPO is a type of health plan that falls somewhere between a Health Maintenance Organization (HMO) and a Preferred Provider Organization (PPO) in terms of cost and flexibility. EPO plans contract with doctors and hospitals to provide care to the health plan’s members, and members have only in-network coverage (except for emergencies). EPO members are not required to select a primary care physician (PCP) or get referrals to see specialists, but they are only covered for services received from in-network providers. Some EPO plans are available with Health Savings Accounts (HSA), which can help members save money. The money members put in their HSAs is tax-deductible, and withdrawals are tax-free when used to pay for qualified medical expenses. The advantages of an EPO include in-network coverage, no referrals, and out-of-network coverage for emergencies.