What are the employer health insurance options available to me?

Employer health insurance options typically include HMO, PPO, and high-deductible plans. HMOs require you to choose a primary care physician and get referrals for specialists. PPOs offer more flexibility in choosing doctors but may cost more. High-deductible plans have lower premiums but higher out-of-pocket costs. Employers may also offer health savings accounts (HSAs) or Flexible Spending Accounts (FSAs) to help cover medical expenses.