All four plans use the same network of providers, cover the same services, cover preventive care at 100% and protect you against major expenses. Both PPO plans are copay-based plans with coinsurance. Both HSA plans are coinsurance-based and paired with a Health Savings Account (HSA). XPO contributes to the HSA Plus plan ($500/$1,000) based on coverage level (Individual/Employee + One or More, respectively). You can also contribute to the HSA Plus to help cover out-of-pocket expenses with pre-tax dollars.