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What is the difference between the different health insurance plans, such as Indemnity, PPO, Personal Comp?

I'm trying to figure out the best plan for my 14 year old and there are so many to choose from that it's becoming overwhelming. What are major differences between Indemnity, PPO, Personal Comp and HMO. Also, there are HSA accounts, but it looks like you have to be 18 to take advantage of this??

Your questions are good, and more than one quick post can answer. The link below will help, but in a nutshell, what you typically are going to find with the plans you mention is that the lower the monthly premium, the less choice you have and who you see and what services you have done. Not a bad thing necessarily, but just now that.

Doesn't your 14-year-old qualify for a parent's health plan, or (if incomes are low) for Medicaid or SCHIP?

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