supplemental insurance products sold by aflac such as accident or critical illness insurance will not count as qualified health insurance under the affordable care act. as their name suggests these products are designed to supplement not take the place of major medical insurance. i believe an hno is a product that is a hybrid between an hmo and ppo -- sometimes called a pos (point of service plan) but you would need to confirm the details of that plan with the insurer offering that product.
back in the day hmo and ppo were "it". they're back. . what about hno (health network option) -- is that either hmo or ppo or neither and would it work as health insurance coverage under the aca or are things like aflac not acceptable as coverage?