A recent study shows most Americans with health insurance have coverage through employer health plans. In 2001,
 
 

Conventional Fee For Service

HMO

PPO

POS

• Small employers are less likely to offer employees a choice of health plans
   
  
• Some employers choose individual plans for their employees and themselves. Each individual is underwritten according to their individual medical history. A disadvantage of this form of coverage is that the employer is not given credit for providing an employee health plan.