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o For 2012 — 2013, the staff is recommending plan changes: <br />Option 1 <br />HMO (Health Maintenance Organization /in network) to a <br />PPO (Preferred Provider Organization /inside or outside of network) <br />— Change allows provider flexibility for the health plan member. <br />Option 2 <br />POS (Point of Service /inside or outside network) to a <br />Consumer Driven HSA Plan (Health Savings Account) <br />— Because of very low participation in the POS plan, the County has decided <br />to offer an HSA plan that potentially has more appeal. <br />— An HSA encourages consumerism because member behavior changes <br />when exposed to the true cost of healthcare. <br />— Provides employees an opportunity to save for future health care costs. <br />Attachment number 1 <br />Page 63 <br />