A commercial health insurance plan is paid for by an individual or an organization other than the government and can take several different forms, including: health maintenance organizations (HMOs) / Managed Care Organizations (MCOs), preferred provider organizations (PPOs), exclusive provider organizations (EPOs), point-of-service plans (POS), and indemnity plans. Some employers are “self-insured” or “self-funded” which means that the employer organization assumes the financial risk of providing healthcare.