Which type of health insurance is the most common form offered by employers?

Preferred Provider Organizations (PPOs) are indeed the most common type of health insurance offered by employers. This type of plan allows for greater flexibility when it comes to choosing healthcare providers. In a PPO, employees have the option to see any doctor or specialist without requiring a referral, although visiting providers within the network will often result in lower out-of-pocket costs. This flexibility is particularly appealing to employers as it can enhance employee satisfaction and retention.

Additionally, PPOs typically cover a wider range of services without strict network limitations, which makes them a preferred option for many organizations looking to provide comprehensive benefits to their employees. The balance between choice and cost-effectiveness in PPO plans aligns with the needs of both employers and employees, contributing to their widespread use. This is in contrast to other types of plans, which may have more restrictive networks or referral requirements that could limit options for employees.