Health insurance can feel like alphabet soup – HMO, PPO, EPO, OMG! 😉 Don’t worry. At Xactinsure, we know these acronyms can be confusing. Think of choosing between an HMO and a PPO like choosing between a dining club and a food truck rally. One offers a set menu at select locations, while the other lets you roam free for your meals (at a slightly higher cost). In this comprehensive guide, we’ll break down Health Maintenance Organization (HMO) plans vs Preferred Provider Organization (PPO) plans in plain English. We’ll cover what they are, how they differ in cost, flexibility, provider networks, and referrals, and help you figure out which might suit you – whether you’re a homebody, a frequent traveler, a freelancer, a family of five, or happily retired. Let’s dig in!

An HMO (Health Maintenance Organization) is a type of health insurance plan that limits coverage to a specific network of doctors and hospitals. With an HMO, you generally must choose a primary care physician (PCP) – your main doctor who coordinates all your care. In most cases, your PCP’s approval (a referral) is required before you see a specialist. HMO plans usually do not cover any care outside their network, except in emergencie (Health insurance plan & network types: HMOs, PPOs, and more | HealthCare.gov)】. They may even require you to live or work in a certain service area to be eligible. The upside? HMOs often have a lower monthly premium and lower out-of-pocket costs than comparable PPO plan (HMO, PPO, and EPO: What's the Difference? | Cigna Healthcare)】. They tend to focus on integrated care and preventive services, meaning the plan is designed to keep all your care within one coordinated system.

In short, an HMO is like joining a members-only healthcare club. You have a set list of “in-network” providers to use, and stepping outside that list means you’re usually footing the bill yourself (unless it’s a true emergency). For example, if your HMO network is “Healthy Healthcare Co.”, you’ll be sticking to Healthy Healthcare Co.’s doctors and hospitals. If you wake up with a weird rash, you’d first visit your PCP, who might then refer you to an in-network dermatologist. If you skip the referral or go out-of-network, the HMO typically won’t pay for that dermatologist visit. The trade-off for these rules is usually a more affordable plan – kind of like a prix fixe meal at a restaurant: limited menu, but you know exactly what you’re paying.

A PPO (Preferred Provider Organization) is a type of health plan that offers more flexibility when choosing doctors and hospitals. PPOs have their own network of preferred providers, but you don’t have to pick a primary doctor and no referrals are needed to see specialists. You can go directly to any doctor you like, including those outside of the PPO network – you’ll just pay more out-of-pocket if you do. In other words, a PPO will still share the cost if you see an out-of-network provider (unlike an HMO), though you’ll likely face a higher deductible or copay for that servic (Health insurance plan & network types: HMOs, PPOs, and more | HealthCare.gov)】.

Think of a PPO as a “roam free” insurance plan. It’s like having access to a food truck festival – you have tons of choices, and you’re not limited to one club’s kitchen. If you want to see a specialist (say, a cardiologist or allergist), you can just make an appointment; you don’t need anyone’s permission. If that specialist happens to be outside your plan’s preferred network, your PPO plan will still cover part of the cost (often a smaller portion), and you pay the rest. Because of this freedom, PPO premiums are usually higher than HMO premium (HMO, PPO, and EPO: What's the Difference? | Cigna Healthcare) (HMO, PPO, and EPO: What's the Difference? | Cigna Healthcare)】. You’re paying a bit extra for the convenience and choice.

In summary, a PPO is like a “pay-as-you-go food truck pass” – you can try any vendor in town. If you stick to the ones your pass covers (in-network providers), you pay less. If you wander to a truck outside the festival (out-of-network provider), you’ll pay more, but you won’t be turned away. This flexibility makes PPOs popular; in fact, PPOs are the most common plan type offered by employer (Differences between HMO and PPO health plans)】.

Let’s compare HMOs and PPOs side by side. Here’s a handy chart breaking down the major differences in features:

Feature HMO (Health Maintenance Org) PPO (Preferred Provider Org) Provider Network Must use in-network providers only (no coverage for out-of-network care except emergencies ([Health insurance plan & network types: HMOs, PPOs, and more HealthCare.gov](https://www.healthcare.gov/choose-a-plan/plan-types/#:~:text=,focus%20on%20prevention%20and%20wellness))】. Networks are often local/regional. Primary Care Physician (PCP) Required. You choose a PCP to coordinate your care and provide referrals to specialist ([What is an HMO? Independence Blue Cross (IBX)](https://www.ibx.com/find-a-plan/individuals-and-families/health-insurance-basics/what-is-an-hmo#:~:text=With%20an%20HMO%2C%20you%20choose,except%20for%20emergency%20services))】. Referrals to Specialists Yes, usually required. You generally need a referral from your PCP to see a specialist (e.g., cardiologist, dermatologist) for it to be covere ([What is an HMO? Independence Blue Cross (IBX)](https://www.ibx.com/find-a-plan/individuals-and-families/health-insurance-basics/what-is-an-hmo#:~:text=With%20an%20HMO%2C%20you%20choose,except%20for%20emergency%20services))】. Exception: Certain services like OB/GYN visits or emergency care often don’t need referral ([What is an HMO? Out-of-Network Coverage Emergency only. Non-emergency care outside the network is not covered – you pay the full cost if you go out-of-networ ([Health insurance plan & network types: HMOs, PPOs, and more HealthCare.gov](https://www.healthcare.gov/choose-a-plan/plan-types/#:~:text=,focus%20on%20prevention%20and%20wellness))】. (Emergencies are covered anywhere by law.) Costs (Premiums & Copays) Lower cost. HMOs typically have lower monthly premium ([HMO, PPO, and EPO: What's the Difference? Cigna Healthcare](https://www.cigna.com/knowledge-center/hmo-ppo-epo#:~:text=An%20HMO%20%20is%20a,leading%20to%20more%20integrated%20care))】 and often lower copays. Deductibles may be low or even $0 on some HMO plans. Overall out-of-pocket tends to be predictable and affordable if you stay in networ (HMO vs. PPO: Which Is Right for Me? - SmartFinancial)】. Flexibility & Choice More restricted. Less freedom to choose providers – you trade flexibility for cost savings. All care is coordinated through your PCP (“gatekeeper”), which some find convenient and others find limiting. Little to no paperwork for you (providers bill the HMO directly). More flexible. Greater freedom to choose or change doctors and specialists, including self-referral. You can access care while traveling more easily. There can be more paperwork (especially if you go out-of-network you might file claims), but you get more control over your healthcare decisions.

Table: Comparison of key features of HMO vs PPO plans. 🎨

As you can see, HMOs are the budget-friendly choice with a tighter provider network and more rules, while PPOs are the flexible choice that lets you go out-of-network – for a price. Next, we’ll dive deeper into each of these difference areas (cost, network, referrals, etc.) and discuss which plan might be better for different lifestyles and needs.

One of the first things people notice is the cost difference between HMO and PPO plans. Generally speaking, HMO plans have lower monthly premiums and often lower out-of-pocket costs than PPO pla (HMO, PPO, and EPO: What's the Difference? | Cigna Healthcare)8】. Why? With an HMO, you’re agreeing to use a limited network of providers, which helps the insurance company control costs. In return, they charge you less each month. A PPO, on the other hand, offers a wider network and out-of-network options, which can lead to higher costs for the insurer – and thus a higher premium for you. In fact, one analysis found that PPOs cost about $58 more per month on average for single coverage compared to HMOs in employer-sponsored pla (HMO vs. PPO: Which Is Right for Me? - SmartFinancial)2】. Over a year, that adds up (about ~$700 extra).

Out-of-pocket costs (the expenses you pay when you actually get care, like deductibles, copays, and coinsurance) can also differ:

HMOs often have lower copays for doctor visits and may have no deductible or a low deductible (the amount you pay yourself each year before insurance kicks in). For example, many HMO plans have a $0–$1,000 annual deductible, and some HMOs have no deductible at all for individua (Differences between HMO and PPO health plans)5】. If you stay in-network, your costs are quite predictable – e.g. a $20 copay at your family doctor, $40 at a specialist (after referral), etc. However, if you ever leave the network (non-emergency), an HMO won’t cover a dime, so you’d pay **100% of that out-of-network bill (Differences between HMO and PPO health plans)1】.
PPOs typically have higher deductibles and copays, partly to discourage excessive out-of-network use. You might see something like a $500 or $1,000 in-network deductible on a PPO, and a separate higher deductible (say $2,000+) for out-of-network care. Likewise, an in-network doctor visit copay might be $30, but out-of-network you might pay 50% of the visit cost. There’s more potential for out-of-pocket spending with PPOs, especially if you choose to go outside the network. On the bright side, PPOs do have out-of-pocket maximums to protect you (there’s a cap on what you pay in a year, after which the plan pays 100%). Just remember that PPO plans often have a separate out-of-pocket maximum for out-of-network expenses that is higher than the in-network max.

Bottom line on cost: If budget and savings are your top priority, an HMO is often the winner. Your monthly payments will likely be lower, and as long as you’re okay staying in-network, your copays and other expenses can be quite manageab (HMO vs. PPO - WebMD) (Major Medical Insurance: Types, Coverage, & Costs - Forbes)6】. If you’re willing to pay more for flexibility, a PPO might be worth the extra cost. It’s a bit like paying for a first-class ticket instead of economy – you get more perks, but you’ll feel it in your wallet.

Real-world example: Let’s say Alice and Bob are comparing plans. Alice doesn’t mind which doctors she sees and wants the cheapest plan possible. She chooses an HMO with a $300/month premium. Bob really wants to keep seeing a particular specialist who isn’t in the HMO network, so he opts for a PPO at $350/month. If neither gets seriously ill, Alice will have paid $600 less over the year than Bob just in premiums. However, Bob has the peace of mind that if he needed that specialist or traveled out of state, his insurance would help cover it. It’s a cost-versus-benefit choice.

Another major difference is the provider network – the group of doctors, hospitals, labs, and clinics that have contracted with the insurance plan.

With an HMO, the network is usually smaller and localized. You must get your care within this network for the plan to cover it, except in emergenci (Health insurance plan & network types: HMOs, PPOs, and more | HealthCare.gov)5】. If your longtime family doctor or favorite clinic is not in the HMO’s network, you’ll have to decide if you’re willing to switch to an in-network provider or pay out-of-pocket to keep seeing them. HMOs generally won’t pay for any out-of-network care (again, aside from true emergency service (Health insurance plan & network types: HMOs, PPOs, and more | HealthCare.gov)5】. This means if you spontaneously decide to visit a fancy specialist across town who isn’t in your HMO network, you’ll likely get stuck with the entire bi (Differences between HMO and PPO health plans)1】. The network restriction is how HMOs keep costs down – they negotiate lower rates with a specific set of providers and steer you to them exclusively.
With a PPO, the provider network is usually broader and often national in scope. PPO networks often include a large selection of doctors and hospitals; in fact, many PPO networks are so extensive you might never feel limited to a small region. Importantly, PPOs do cover out-of-network care – but typically at a lower ra (Why do some doctors not take PPO?)8】. This means if you go to a doctor who isn’t in the PPO network, the insurance might pay, say, 60-70% of what it would pay an in-network doctor, and you are responsible for the rest (plus any difference if the doctor charges above the “allowed” amount). You might also have to pay upfront and file a claim yourself for out-of-network visits, which is a bit of extra paperwork. The advantage is freedom: you’re not locked into the network. If you absolutely want to see a certain specialist or you find yourself far from home, a PPO gives you an option to get care with some coverage, whereas an HMO would say “you’re on your own” in those situatio (Can I Use My Health Insurance in Another State? - Bennie)0】.

To illustrate, imagine an HMO network as a small circle – you’re safe and covered inside the circle, but step outside and the safety net vanishes (except for emergencies). A PPO network is a big circle – inside that circle, you get the best coverage; step outside the circle, and there’s still a safety net, just a bit farther down (you’ll pay more of the cost). Emergencies are an exception for both: all plans, HMO or PPO, will cover emergency medical care at any hospital, in-network or not, per federal law and plan rules. So if you get appendicitis while on vacation, your HMO will treat that hospital as in-network for that emergency vis (Can I Use My Health Insurance in Another State? - Bennie) (Can I Use My Health Insurance in Another State? - Bennie)8】. (Phew!)

Tip: Whichever plan type you consider, always check the provider network for the doctors and facilities that matter to you. If you have a favorite primary doctor or a specialist you see regularly, look to see if they are “in-network” for the HMO or PPO you’re considering. This can be a make-or-break factor. Many people choose PPO specifically because their beloved doctor (or a top hospital they prefer) isn’t covered by the HMO. Others choose HMO because all their doctors are in-network anyway, so why not save money?

Network size vs. cost trade-off: It’s true that HMOs tend to have more limited networks than PPOs, but that doesn’t mean the doctors are lower quality – it’s often the same providers that might also accept PPO insurance, just that the HMO plan restricts you to those on their list. The restricted network is why HMOs cost less on avera (What is private health insurance? - HealthMarkets)0】: you give up some choice, they give you a lower rate. PPOs cast a wider net, so you pay more for that wider access.

Finally, consider geography. HMO networks are usually regional. If you live in, say, Florida and have a Florida HMO, and you move or travel to California, that HMO’s network likely has no providers in California. Only emergency care would be covered until you get back home. PPO networks, especially from big insurers, may have participating providers in multiple states (or agreements with networks in other states). For instance, some PPO plans through national carriers allow you to find in-network doctors even when you’re in a different state, which is great for frequent travele (Can I Use My Health Insurance in Another State? - Bennie)0】. We’ll talk more about multi-state living and travel in a later section, but keep this in mind when evaluating networks.

Do you need a referral to see a specialist? This is a key difference between HMOs and PPOs and can really impact how you navigate your care.

With an HMO, your Primary Care Physician (PCP) is the gatekeeper for specialized services. Except for certain routine services (like annual gynecological exams or mental health therapy in many plans), you typically need your PCP’s referral to see a speciali (What is an HMO? | Independence Blue Cross (IBX))1】. For example, if you develop a skin issue, you’d visit your PCP first; if they decide you need a dermatologist, they’ll give you a referral to an in-network dermatologist. Without that referral, the HMO won’t cover the specialist visit in most cas (Differences between HMO and PPO health plans)6】. On the bright side, this system means your PCP is aware of everything going on with your health and can coordinate your care. It’s a bit like having a team captain for your health – they call the plays and send you to the right “players” (specialists) as needed. Some people appreciate this coordinated approach, as it can prevent confusion and duplicate tests. And if you trust your PCP, you have someone guiding you through the healthcare maze.

However, the referral requirement can feel like an extra hoop to jump through. It might delay how soon you see a specialist or feel like you’re asking permission (“Doctor, may I please see an allergist?”). There are exceptions in many HMO plans: typically, women can see an OB/GYN for routine exams without a referral, and mental health services often can be accessed without referral as well, not to mention emergencies don’t require any referr (What is an HMO? | Independence Blue Cross (IBX))1】. These exceptions exist so that critical or sensitive services aren’t bottlenecked. Some modern HMOs also allow direct access to certain specialists like dermatologists or chiropractors without referral – it really depends on the plan (check the plan details; one HMO plan is not always exactly like another in this rega (Common misconceptions about the HMO network | Wellmark Blue)7】).

With a PPO, it’s no referral, no permission needed. You are your own gatekeeper. If you want to see a specialist, you simply schedule it. The PPO model trusts that you’ll manage your care (or your doctor will advise you, but there’s no insurance rule requiring it). This can save time and is more convenient if you already know which specialist you need. Have a chronic sinus issue and want to go straight to an ENT (ear, nose, throat) doctor? Go for it – the PPO will cover it under the specialist copay/coinsurance. Many people enjoy this freedom, especially if they have ongoing conditions that require multiple specialists. You don’t need to loop back to your primary doctor each time for a new referral, which can feel like getting a hall pass signed every time you want to leave class.

Analogy: HMO’s referral system is like needing a concert ticket from an official broker – you can’t go see the specialist “show” unless you have the ticket (referral) in hand. A PPO is like a general admission pass – walk into any show you like, no ticket stub required at the door. Of course, with PPO you still have to pay your share for that “show,” but at least you didn’t have to get pre-approved to attend.

From a quality-of-care perspective, neither approach is inherently better – it’s about personal preference and convenience. Some folks prefer that all their care goes through one doctor who knows their whole story (common in HMO). Others find it frustrating and prefer to take the direct route to specialists (common in PPO).

One misconception to bust here: A lot of people think HMOs always make it impossibly hard to see a specialist. In reality, as long as you follow the process, you can usually see whichever specialist you need that’s in-network. It might require an extra phone call or visit to your PCP, but HMOs do cover specialist care – they just manage how you access it. On the flip side, some assume PPOs mean unlimited specialist visits with no oversight – but remember, even PPOs often require pre-authorization for very expensive procedures or treatments. And you should still have a primary doctor in a PPO for routine care (it’s not required, but it’s wise to have one doctor who has your medical history). So referrals vs no-referrals is a key difference in experience, if not always in outcome.

When we talk about flexibility in HMO vs PPO, we’re wrapping together the network and referral differences into a bigger picture: How convenient is it to get the care you want, when and where you want it? This is where your personal preference really comes in.

Choosing an HMO is like signing up for a guided tour: you have a set itinerary (network) and a guide (your PCP) directing the trip. It can actually be convenient if you like having an expert arrange things for you. You don’t have to research doctors – you go to your PCP and they’ll send you to an in-network specialist they trust. You don’t have to deal with insurance paperwork much – in-network providers bill the HMO directly, and since you generally can’t go out-of-network, you won’t be mailing claim forms or arguing about reimbursements. Many HMO users find comfort in this “one-stop” structure. For example, if your HMO is affiliated with a large health system, you might have an online portal that shows all your tests, referrals, appointments in one place. Convenience can be high if you’re content staying in the system.

However, HMO flexibility is limited. If you spontaneously decide you want a second opinion from a specialist at a renowned out-of-network clinic, that’s not going to be covered. If you’re traveling and want to see a doctor for a non-emergency issue, your HMO likely won’t help pay for that (unless you can wait and do a telehealth visit with your in-network doc). Also, getting that referral approval can introduce delays – maybe you know you need to see an orthopedist for your knee pain, but you still have to see your PCP first next week to get the referral, then see the specialist the week after. It’s not the end of the world, but it’s an extra step.

Choosing a PPO is like going on a self-guided adventure: you set the schedule, you decide where to go, and you accept the possibility of a few extra hassles along the way. The convenience here is in choice – you have the flexibility to see any doctor without worrying about network rules (well, financially you’ll worry a bit if they’re out-of-network, but you won’t have an outright denial). If you split your time in two cities, a PPO makes it easy to get routine care in both places (one less thing to coordinate). If you hate waiting on hold for referral authorizations, PPO spares you that. The trade-off is you might have more paperwork – e.g., paying an out-of-network provider up front and then filing for partial reimbursement from your PPO. You also have to be a bit more savvy to avoid surprise costs: with all that freedom, you need to remember what’s in-network vs out-of-network to control your expens (Why do some doctors not take PPO?)5】.

Example: Consider prescription medications or specialized therapies. With an HMO, you might need your PCP to submit a referral or authorization for something like physical therapy or an MRI scan. With a PPO, your specialist might schedule it directly. Both plan types often require prior authorization from the insurance for very expensive services (like an MRI or surgery), but in an HMO your doctor group usually handles that internally as part of the referral process, whereas in PPO, the provider’s office will seek approval. Administration tends to happen behind the scenes in HMOs – you just need that referral in hand. In PPOs, you have more direct interaction with the insurance processes.

So, ask yourself: Do I prioritize absolute freedom, or simplicity and guidance? If you never want to worry “will this doctor be covered?” and you don’t mind paying a bit extra, the flexibility of a PPO is worth it. If you prefer to keep things simple and save money, and you’re okay with the network limitations, an HMO’s convenience of having a coordinated network might suit you better.

To lighten it up: an HMO is like using one wireless carrier with full bars in your hometown – great signal there, but no roaming. A PPO is like having a roaming plan – you can catch a signal (see a doctor) almost anywhere you go, but it might drop to 3G (cost more) when you’re off the main network. 📱 Choose the “plan” that fits how and where you use it!

Now that we’ve covered the nuts and bolts of HMOs vs PPOs, let’s explore how different personal situations can affect which plan might be a better choice. After all, the “best” plan type for a young globetrotting freelancer might be very different from that of a settled family with kids or a retiree. Below, we break down considerations by lifestyle, location, employment, age, and budget.

Do you travel a lot for work or pleasure? Maybe you’re on the road in your RV half the year, or you split your time between two states. If so, this category is hugely important in choosing HMO vs PPO.

If you frequently travel outside your home state, a PPO is generally the more travel-friendly option. Here’s why: HMO plans are typically regional. They contract with providers in your local area (often within one state or even one city). When you’re away from that area, an HMO will only cover emergency care in another location – routine or urgent care visits out-of-network likely **won’t be covere (Can I Use My Health Insurance in Another State? - Bennie)30】. For example, if you have a California HMO and you’re visiting New York and come down with a nasty ear infection, you could go to an urgent care in New York but the HMO may not pay for that visit since it’s out of network (and not a life-threatening emergency). You’d be stuck paying out-of-pocket, or you’d have to wait until you get home to see your PCP.

A PPO, especially from a large national insurer, usually has a nationwide network or at least the ability to get some coverage wherever you go. Many PPO plans allow you to find in-network providers even in other states (for instance, Blue Cross PPOs often have reciprocity – a network of Blue Cross providers across the country). And even if you can’t find an in-network provider while traveling, a PPO will still cover a portion of an out-of-network visit. That means if you’re on that trip to New York and you see a doctor, your PPO might reimburse, say, 60% of the “allowed” cost. You’d pay more than you would at home, but you get some insurance help, which is better than nothing. In short, PPOs travel better.

Out-of-state students or jobs: Consider families with kids away at college, or someone who works on long out-of-state assignments. If a parent has an HMO family plan in Florida but the kid goes to school in Ohio, that student may only have emergency coverage through that HMO while at school. For routine care, they might have to visit the campus clinic or come home. A PPO would likely have in-network options in Ohio or at least cover some costs if the student sees a provider there. Similarly, if your job sends you to different states often, a PPO is usually more practical so you can get care on the go.

Dual residency (snowbirds): Maybe you live in Arizona in the winter and Oregon in the summer. An HMO generally can’t cover both easily – you’d probably have to pick one location’s HMO and stick to it (and only get emergency care in the other state). You could also theoretically enroll in a new plan each time you change residences (since moving states is a qualifying event to get new insurance), but switching plans every six months is a hassle. A PPO that has a broad network could allow you to see doctors in both states under one p (How Health Insurance Works When You Live in Multiple States) (Can I Use My Health Insurance in Another State? - Bennie)88】. Some retirees solve this by using Original Medicare plus a Medigap plan (which isn’t tied to networks at all), but if you’re under 65 or on employer insurance, PPO is the closest equivalent for multi-state ease.

Important: No matter what plan you have, emergency medical care is covered anywhere in the U.S. at in-network rates. Both HMO and PPO will treat true emergencies (like a heart attack, broken bone, severe accident) as in-network, even if it happens out of st (Can I Use My Health Insurance in Another State? - Bennie)93】. So you won’t be penalized for something you can’t plan for. The concern is more about planned or routine care when away from home.

So, travel = think PPO? Usually yes, PPO if you’re a frequent traveler or live bi-coastally. If you’re mostly local and only travel occasionally, an HMO can still work – just know to use travel insurance or urgent care out-of-pocket if something minor comes up on a trip (or see if your HMO offers telehealth, which can be a savior on vacation!). Some HMOs also have national affiliations for urgent care – it’s worth asking. But as a rule of thumb: **Road warriors and jetsetters lean PP (Why do some doctors not take PPO?)09】.

A quick scenario: Jenna is a freelance photographer who drives cross-country for projects. She’s on a PPO plan, so when she needed an allergy prescription refill in Nebraska, she found a local in-network clinic through her insurer’s website and only paid her normal copay. Her friend Lucas has an HMO plan from California; during a trip he got strep throat but couldn’t find any in-network doctor in North Carolina. Lucas ended up paying out-of-pocket at a walk-in clinic. Jenna paid more in premiums for that PPO, but it paid off by giving her easy access to care on the road.

What if you truly reside in two states – not just travel, but split your year between homes? This is common for “snowbirds” (people who live up north part of the year and in a warmer state for winter) and some workers who move project to project. This scenario is tricky for health insurance, but let’s break it down.

Firstly, health insurance is regulated state by state. If you spend a significant part of the year in State A and the rest in State B, you might have to establish residency in one state as your primary for insurance purpo (How Health Insurance Works When You Live in Multiple States)11】. You typically can only buy a plan (HMO or PPO) that is based in the state where you legally reside. So if you primarily live in Texas and have a Texas HMO, when you go to live in Colorado for 4 months, that HMO behaves as if you’re traveling (so again, emergency-only coverage in Colorado). One option is to switch plans when you move – there are special enrollment periods that let you sign up for a new plan when you gain residency in a new st (How Health Insurance Works When You Live in Multiple States)02】. Some early retirees do this: they get a Florida plan during the winter, then enroll in a different plan in Massachusetts for the summer. But juggling two plans and switching every year is cumbersome, and there can be gaps in coverage during transitions if not done carefully.

If you truly maintain dual residency (some part of the year in each), you might be able to carry two insurance plans (this is rare and expensive – e.g., one might use COBRA from a previous employer in one state and a private plan in another). Most people wouldn’t do that unless absolutely necessary.

For simplicity, many dual-state individuals pick one plan and accept they have limited coverage in the other location. This is where PPO plans shine: If you have a PPO in one state, you at least have some provider options or out-of-network coverage in the other state. For instance, a PPO plan might have a national network so that when you go to your second home, you can find doctors there who are still in-netw (Can I Use My Health Insurance in Another State? - Bennie)88】. Or if not, you can still see local doctors and get partial reimbursement as out-of-network. An HMO in that scenario would only cover you for urgent or emergency needs in the second st (Can I Use My Health Insurance in Another State? - Bennie)30】. Routine check-ups, follow-ups, etc., would have to wait or be out-of-pocket.

Consider Medicare if you’re 65+: Many seniors in this boat opt for Original Medicare plus a Medigap supplement, which has no network restrictions nationwide – any provider that takes Medicare is fine. Medicare Advantage plans, however, often are HMOs or PPOs with localized networks. So a snowbird on a Medicare Advantage HMO might find themselves without coverage outside their service area (except emergencies). A Medicare Advantage PPO could offer more flexibility out-of-area (some plans allow you to see any Medicare provider but with higher cost). The takeaway is, if you’re over 65 and moving between states, pay extra attention to how your Medicare plan (if you have one) handles multi-state living.

For those under 65 on regular private insurance, be realistic about your needs. If you live 6 months here, 6 months there, you might lean heavily toward a PPO or even ensure you schedule most of your medical care during the months you’re in your primary state. Alternatively, you might maintain your primary care in one state and use walk-in clinics or urgent care (accepting out-of-network costs) in the other when needed.

Key advice: Consider where you spend most of your time and where your doctors are. If one state is “home” and the other is temporary, an HMO could work if you’re comfortable only having full coverage at home. If both states are equal homes, a PPO or switching plans seasonally are the main ways to ensure full coverage in both pla (How Health Insurance Works When You Live in Multiple States)32】.

Your employment situation can influence not only which plans are available to you, but also which plan type might make sense. Let’s break down a few scenarios:

If you have a job with employer-sponsored insurance (Working for a company): Often, your employer will present you with a few plan options during open enrollment. Many big employers offer a choice between an HMO and a PPO (sometimes a POS or HDHP too, but we’ll stick to HMO vs PPO here). In this case, your decision may be guided by what’s on offer. The employer usually covers a large portion of the premium, so both HMO and PPO might be affordable. Employers know that PPOs cost more, but they often still offer them because employees value choice – indeed, 47% of workers with employer coverage are in PPO pl (Differences between HMO and PPO health plans)74】. If your employer’s plans include a nationwide PPO (common if the company has offices in multiple states), that could be great if you travel for the job or might relocate. If the employer’s HMO has a really robust network in your area and you don’t anticipate needing out-of-network care, you might save money by choosing that HMO. Also consider your workplace benefits: Some employers make the HMO even cheaper (lower paycheck deduction) to incentivize it. Others might only offer one type (e.g., a company in California might only offer Kaiser HMO). If you only have an HMO choice, don’t fret – just be aware of the network and referral requirements we discussed. If you have both options, weigh cost vs flexibility for your situation.Example: Maria works for a large tech firm. She can choose an HMO plan that costs her $100/month or a PPO that costs $130/month (after the employer’s contribution). Maria rarely travels and all her doctors are within 10 miles, so she picks the HMO and saves $30 a month. Her colleague Tom travels to client sites nationwide; he opts for the PPO so he can see doctors through the insurer’s network in any state while on business trips.
If you’re self-employed or a freelancer: You’re likely buying insurance on the individual marketplace or through a private broker. Here, plan availability can vary a lot by state. Many individual market plans are HMOs or EPOs (an EPO is basically a PPO without out-of-network coverage – a topic for another d (How Health Insurance Works When You Live in Multiple States)88】. In some states, you might not even find a PPO for individuals because insurers have moved toward HMOs/EPOs to keep costs down. If a PPO is available, it might be at a higher “tier” (like a Gold plan) or from a specific insurer. As a self-employed person, you’ll pay the full premium, so budget is crucial. If you keep to one area and cost is king, an HMO plan from the marketplace could be very attractive. But if your work is the kind that takes you all over (say you’re a travel nurse, consultant, or digital nomad), you might need that PPO despite the cost. Self-employed folks often value flexibility, but also have to watch every dollar. It becomes a balancing act: pay more for a PPO so your business travel doesn’t leave you uncovered, or save with an HMO and maybe buy short-term travel health insurance if you go out of area. Also, consider the network size carefully – some marketplace HMOs have quite narrow networks. If you freelance, check that the doctors you prefer or the hospital near you is in the plan’s network.
If you’re unemployed (or between jobs): If you lose job-based coverage, you might go on COBRA (continuing your employer plan temporarily) or buy a marketplace plan, or if income is low, maybe qualify for Medicaid. COBRA means you keep whatever plan you had (HMO stays HMO, PPO stays PPO) but you pay the full cost – which can be hefty for a PPO. People on COBRA sometimes switch to a marketplace plan to save money. If you’re on a tight budget while between jobs, an HMO from the marketplace might be the most cost-effective choice. On the other hand, if you’re job hunting and might move states for a new job, a PPO could give you continuity across state lines in the interim. Medicaid, for those eligible, often uses an HMO model (state-managed care networks). If you have Medicaid, you’ll typically have an HMO-like plan and limited network, but low cost. It’s not exactly the same as private HMO vs PPO, but it’s worth noting that low-income options tend to be network-limited.
If you’re retired: This can split into two groups – retirees not yet 65 (on private insurance) and those 65+ (on Medicare). Early retirees (say someone who retires at 60) often have to buy their own insurance until Medicare kicks in. In that case, all the same individual plan considerations for self-employed folks apply. Retirees often have fixed incomes, so the lower premium of an HMO can be appealing. But retirees also might travel more (hello, RV life or visiting grandkids), which leans toward PPO for multi-state coverage. It depends on your retirement lifestyle. Medicare-eligible retirees (65+) have a slightly different HMO vs PPO choice: if they go with Medicare Advantage, there are HMO plans and PPO plans. Medicare HMOs usually require you to use a local network and get referrals, similar to private HMOs, whereas Medicare PPOs allow out-of-network use at higher cost (and usually no referral needed). The logic for choosing is similar – Medicare HMO might have lower out-of-pocket costs but ties you to a network; a Medicare PPO gives flexibility but might charge more. Some seniors opt for Original Medicare with a supplement, which, as noted, gives total freedom to choose providers nationwide. That’s outside our main scope, but it’s good to know the concept of HMO vs PPO persists even in Medicare wo (What is the difference between HMO and PPO Medicare plans?)35】.

In summary: Your employment status influences what you value:

If you have employer coverage, take advantage of any plan subsidies and consider how much your job’s location/travel demands align with plan type. Many employees choose PPO if the cost difference isn’t big because, well, it’s nice to have choices.
If you’re on your own (self-employed/unemployed), you might lean HMO to save money, unless your lifestyle really requires the PPO. Always check what’s sold in your area – in some places, you might not find a true PPO in the individual mar (How Health Insurance Works When You Live in Multiple States)88】.
If you’re retired, think about how often you’ll be away from your home base and your income situation. There’s no one-size-fits-all – some retirees are very happy with a Medicare HMO that keeps costs low, others prefer a PPO so they aren’t restricted when traveling.

Health insurance needs can change with different life stages. Let’s look at how age and family situation might sway the HMO vs PPO decision:

Young Adults ( roughly 18–30s): Young adults are often relatively healthy and have fewer regular prescriptions or specialist needs (of course this varies, but we’re generalizing). If you’re in this group and don’t have any specific doctor loyalties yet, an HMO can be a great cost-saving choice. Premiums are lower, which is good if you’re just starting out in your career or maybe no longer on your parents’ insurance. Many young folks move to cities where HMO networks are strong (e.g., an HMO that includes a major university hospital could cover a lot of needs). If you rarely go to the doctor, you might not even notice the difference – you go for your annual checkup, maybe an urgent care visit here or there. As long as those providers are in-network, you’re golden. On the other hand, young adults might be more mobile – perhaps you’re traveling, or you might relocate for opportunities. If you hop around a lot or live the #VanLife for a year, a PPO will make life easier because you won’t be stuck with emergency-only coverage outside your home area. Also, consider personality: do you mind getting referrals? Some younger people have grown up in the era of minute-clinics and direct access, and they might chafe at the idea of needing permission for a dermatologist. If that’s you, and you can afford it, a PPO might feel more in line with your expectations. But overall, if budget is tight, HMO is usually fine for young, healthy individuals, and you can put the savings toward other priorities.
Families (parents with children): Families have a couple of unique angles. First, pediatric care – kids see pediatricians for primary care, and pediatricians can serve as the PCP in an HMO (meaning they would give referrals for pediatric specialists). If your children have any special health needs (say, asthma requiring a pediatric pulmonologist, or developmental needs requiring therapists), think about whether those specialists are available in-network on the HMO. If you have a particular children’s hospital or specialist you want for your child and it’s out-of-network on an HMO, that could push you toward PPO so you have coverage there. Also, families tend to use healthcare more (more people = more doctor visits, injuries, etc. one kid breaks an arm, another gets ear infections, etc.). HMOs can save a family a lot of money with lower premiums and copays for all those visits. Many family-friendly HMOs offer robust preventive care and care coordination which can be nice (for instance, your child’s pediatrician can easily refer to an in-network specialist and they might all share medical records in one system). If convenience and a one-system approach appeal to you (and your kids’ doctors are in network), an HMO could be great. However, if you want maximum choice for each family member, a PPO gives flexibility – maybe Dad wants to see a specific out-of-network chiropractor, Mom has a favorite OB/GYN who only takes PPO, and the kids want to keep going to that allergist a friend recommended who isn’t in the HMO network. Those considerations can add up. Another factor: geography for families. If the members of your family are spread (like a kid in college or a spouse working in a neighboring state), PPO might handle that better. But if all of you are in one area, an HMO’s network should suffice. Cost-wise, family premiums can be high no matter what, but HMOs typically will be a bit less. For example, the average family premium for a PPO is a bit higher than for an (Differences between HMO and PPO health plans) (Differences between HMO and PPO health plans)46】 – choosing an HMO might save a family hundreds of dollars a year, which could go toward other family expenses.Family example: The Smith family has two parents and two kids. They have a choice between an HMO plan that costs $1,200 per month vs a PPO at $1,300 per month. $100/month difference = $1,200/year saved with the HMO. All their current doctors (including the kids’ pediatrician) are in the HMO network. They decide to go with the HMO and use that $1,200 savings for a little vacation. During the year, one child needed an orthopedic specialist for a sports injury – they got a referral from their pediatrician and it was covered without issue. However, if the Smiths anticipated needing a specific out-of-network specialist or if one child had a rare condition, they might have valued the PPO more. It’s a personal call based on the family’s health profile.
Seniors (older adults, roughly 60s and beyond): Seniors often have more frequent healthcare needs – more specialist visits (cardiologists, orthopedics, etc.), possibly more medications, and maybe a preferred doctor they’ve seen for years. If we’re talking about seniors not yet on Medicare, they might favor PPOs because they likely have established providers they don’t want to change. Imagine being 64 and your doctor of 20 years isn’t in any HMO network – you’d probably choose a PPO to keep that relationship going. Also, older adults may spend part of the year visiting family in other places or traveling, so again PPO’s flexibility helps. Now, for seniors on Medicare: If considering a Medicare Advantage HMO vs PPO, many healthy seniors choose Medicare HMO Advantage plans for the lower costs – often $0 premium and low copays – as long as their doctors accept it. But they must be comfortable with the network (if they split time in two states, those are tricky with Medicare HMOs too). Medicare PPOs exist and can allow seeing out-of-network Medicare providers at higher cost, which is a boon if you want more choice. Additionally, some seniors stick to Original Medicare (no network restrictions) for maximum freedom.Another point: Referrals. Some older adults with multiple health issues might see 5 different specialists. Under an HMO, that means coordinating 5 referrals, which could be a hassle. Under a PPO, they can manage appointments directly. If a senior is tech-savvy and proactive, PPO is fine. If a senior prefers a doctor’s office to handle things (“tell me where to go”), an HMO’s coordinated approach could actually be convenient.Care coordination vs choice is a big theme for seniors. HMOs might coordinate across providers (with integrated records, etc.), which can improve care if someone has complex conditions. PPOs might result in more scattered care (one doctor might not know what the other prescribed unless the patient communicates it). Some seniors handle this well; others prefer the HMO system to do it for them.In short, for older adults:
HMO if you want lower costs, a contained network of providers, and don’t mind the referral system (or even appreciate it).
PPO if you want flexibility to see any provider (especially important if you have specific doctors or might need rare specialists), and you’re okay with potentially higher costs.

Regardless of age, an important reminder: Both HMO and PPO must cover the same essential health benefits (if under ACA) or Medicare benefits (if on MA). So it’s not like one gives you fundamentally “more care” than the other – it’s about how you access that care and pay for it.

There are plenty of misconceptions swirling around these plan types. Let’s clear up a few common ones:

Myth 1: “HMOs mean you can’t see specialists at all.”
Reality: You can see specialists on an HMO – you just typically need a referral and they must be in-network. HMOs don’t say “no specialists for you”; they say “coordinate through your PCP first.” As we noted, many HMOs even allow direct access to certain specialists like OB/GYN or mental health without refer (What is an HMO? | Independence Blue Cross (IBX))61】. So you absolutely will be referred to a cardiologist or surgeon if you need one. The HMO’s goal is to manage that process, not to deny specialist care outright (though you do have to stay in network).
Myth 2: “PPOs cover everything, wherever, 100%.”
Reality: PPOs are more flexible, but they’re not limitless free-for-alls. If you go out-of-network, a PPO typically only covers a percentage, and you may have to meet a higher deductible fi (Why do some doctors not take PPO?) (Why do some doctors not take PPO?)32】. And if a provider charges way above standard rates, you could be balance-billed (charged the remainder) in an out-of-network situation. So while a PPO allows you to go out-of-network, it doesn’t make it free. Always check your PPO’s out-of-network terms. Also, PPOs might require prior authorizations for big ticket procedures just like HMOs do – freedom doesn’t mean no rules at all.
Myth 3: “HMOs are always worse quality care.”
Reality: Not really. The doctors in HMO networks often also accept PPO plans. The difference is the network size and referral system, not physician quality. HMOs actually often emphasize preventive care (since they are on the hook if you stay healthy) – hence the “Maintenance” in Health Maintenance Organization. Many HMOs are highly rated for care quality and patient satisfaction. If your doctors and local hospitals are in an HMO network you’re considering, you can generally expect excellent care there just as you would via any other plan. You’re not getting a “discount doctor” by choosing an HMO. You’re just choosing a smaller pool of doctors. It’s always wise to review the network’s reputation, but don’t assume HMO means subpar.
Myth 4: “If I get sick or have an emergency away from home, my HMO won’t cover me.”
Reality: **Emergencies are covered by all plans, HMO or PPO, wherever you ar (Can I Use My Health Insurance in Another State? - Bennie) (Can I Use My Health Insurance in Another State? - Bennie)93】. By law, marketplace and employer plans must cover emergency services at in-network levels regardless of provider or location. So if you’re on vacation or temporarily out of state and something truly urgent happens – broken leg, appendicitis, etc. – your HMO will treat that as in-network (you’ll pay your normal ER copay/deductible, but not some huge penalty for being away). What is true is that routine care out of area is not covered by HMOs. So if you’re traveling and you want a non-urgent doctor visit, that’s coming out of your pocket. But don’t confuse that with being left high-and-dry in an emergency. (One caveat: insurers have definitions of emergency – if you claim reimbursement for something they deem wasn’t an emergency, they might deny it. But a prudent layperson standard usually applies).
Myth 5: “PPO is always the better choice if you can afford it.”
Reality: “Better” depends on your needs. It’s true a PPO gives more flexibility, but you might be paying for benefits you don’t use. If you end up always staying in-network anyway, or you never actually take advantage of that no-referral freedom, a PPO could just be extra cost with no added value for you. Some people also find they prefer having a primary doctor guide their care (less decision fatigue for them). If your doctors are all in an HMO network and you don’t mind the coordination, an HMO could serve you just as well as a PPO – for less money. So the “best” plan is the one that fits you, not automatically the one with the most features. Think of it like car shopping: a 4WD SUV is “better” than a sedan if you need to go off-road or haul stuff – but if you just commute in the city and never use those features, the sedan might be the better choice for you (especially when paying for gas!).
Myth 6: “If I get an HMO, I’ll have to change all my doctors.”
Reality: Not necessarily. Check the HMO network first – you might be surprised that many of your current doctors (or good alternatives) are in-network. If you’re already in an area dominated by one medical group or hospital system, an HMO might include all those providers. It’s a myth that HMO networks are always tiny; some are quite extensive (especially in urban areas). It’s definitely something to verify before you switch plans, but an HMO choice doesn’t automatically mean losing your doctor. If your doctors aren’t in network, then yes, you’d have to switch or pay out-of-pocket (which generally isn’t feasible long-term). In that case, PPO might be the only way to keep them covered. The key is doing your homework on the network directory during plan selection.

Now that we’ve busted some myths, you should feel more confident that you understand the real deal with HMOs and PPOs.

You: Key Questions to Consider

We’ve thrown a lot of information at you – now, how do you actually decide between an HMO and a PPO for your personal situation? Here are some actionable tips and questions to help you choose the right plan:

What’s My Budget? – Start with the dollars. How much can you afford in monthly premiums, and how much cost-sharing (deductibles, copays) can you handle if you need care? If you’re on a tight budget, lean toward an HMO with lower premiums. If you have a bit more financial flexibility and value choice, a PPO might be worth the extra cost. Make sure to compare the total annual cost, not just one aspect. Sometimes a slightly higher premium PPO could save you money if it has lower deductibles or if it avoids you paying out-of-network costs for a doctor you’d see anyway.
Are My Doctors In the Network? – Make a list of your must-have physicians (primary care, pediatrician for kids, any specialists you currently see, even preferred hospitals). Then check each plan’s provider directory. If all your providers are in the HMO network, then choosing HMO could be a no-brainer to save money. If a crucial provider is out-of-network for the HMO but in-network for the PPO (or if the PPO at least would cover seeing them out-of-network), that tilts things toward PPO. For example, if you absolutely want to go to a specific top cancer center just in case you ever need it, see if it’s in an HMO network or only accessible via PPO. This personal provider check can quickly eliminate options that don’t fit your needs.
How Much Do I Use Healthcare? – Are you the type who sees doctors frequently, has multiple prescriptions, or has upcoming surgeries planned? Or are you relatively low-utilization (a checkup here and there)? High utilizers might actually prefer HMO for potentially lower copays and a coordinated approach (fewer duplicate tests, etc.), unless they have a lot of needs that require out-of-network experts. On the other hand, if you have a complex condition that requires very specific specialists, a PPO could ensure you’re not limited in who you can see. If you rarely use healthcare, you might be fine with an HMO and save money – you likely won’t bump against its limitations much. However, some healthy folks still choose PPO “just in case” something happens where they’d want that flexibility (sort of like an insurance within insurance).
Do I mind the referral process? – Be honest with yourself. If the idea of needing a referral for a dermatologist or physical therapist frustrates you, a PPO will remove that hurdle. If you’re indifferent or even like the idea of having a primary doctor’s guidance, an HMO’s referral system won’t be a big deal. Some people don’t want to spend time coordinating between doctors themselves – an HMO essentially does that for you. Others don’t want to wait for approval – a PPO gives you freedom. It’s a personal preference akin to “do I want to choose my own specialists or have them chosen for me (with my input)?” Neither is wrong; it’s about what makes you comfortable.
Will I be traveling or moving around? – We covered this above: if you travel often or live part of the year elsewhere, favor PPO or ensure your HMO has reciprocity in those areas (rare, but some insurer networks connect). If you’re a homebody and hardly ever leave your county, an HMO’s regional nature won’t bother you at all.
What are my family members’ needs? – If you’re choosing a plan for your family, consider everyone. One family member with a special medical need can sway the decision. Perhaps 4 of you could do fine with an HMO, but one child sees a specialist at a children’s hospital not in the HMO network – it might be worth a PPO for that alone. Alternatively, if that specialist can be switched or is in the PPO network, go PPO. Sometimes couples each have coverage options from their jobs – one might have an HMO family plan, the other a PPO family plan. You could even split coverage (each parent on their own job’s plan with kids on one or the other) depending on whose network covers the pediatricians and such best. It can get complicated, but the main point is to take into account everyone’s doctor preferences and health issues.
Am I okay switching doctors or do I have strong provider loyalties? – If you’ve had the same primary doctor forever and they’re only in one type of plan, that’s a major factor. Some people are very attached to specific providers; others are fine picking from whatever list is available. If you’re the latter, you have more flexibility to go with an HMO and just select new in-network providers. If you’re the former, you might pick the plan that your preferred docs take (even if it’s costlier). There’s no wrong answer here – healthcare is personal, and trust in your doctor relationship has value.
Check the details: Once you’re leaning one way or another, compare a couple of plan brochures. Look at things like:
Specialist visit copay: Is it dramatically different HMO vs PPO (often not too different if in-network)?
Deductibles: HMOs often have low or no deductibles; PPOs might have higher ones. If you dislike the idea of paying a large deductible, that might push you to an HMO.
Out-of-pocket max: Both will have caps, but PPO might have a higher separate cap for out-of-network. If worst-case-scenario financial exposure worries you, see which plan limits your costs more.
Extra perks: Sometimes HMOs come with care management programs or wellness perks (since they focus on prevention). PPOs might offer a larger array of providers including telehealth partnerships nationwide. These little perks shouldn’t decide for you, but they might sweeten one deal.
Talk to an expert if needed: If you’re truly stumped, it can help to talk to an insurance broker, HR representative (for work plans), or use Xactinsure’s plan advisors. They can provide guidance based on many clients in similar situations. Just ensure whoever you speak with understands your personal priorities (they shouldn’t assume PPO is better or HMO is enough – they should tailor the advice to you).
Trust your gut (but also the facts): Finally, after all the analysis, consider your comfort level. Insurance choice isn’t only math; it’s peace of mind. Some people just feel better having a PPO card in their wallet – they worry less because they know they can go anywhere. Others feel better saving money and trusting the network they chose. That peace of mind has real value. As long as you’ve done the homework (facts), it’s okay to let your gut feeling have a say in the final call.

Conclusion: HMO vs PPO doesn’t have to be a head-scratcher. It’s like choosing between two reliable cars: one’s a sedan with great gas mileage (HMO), the other’s an SUV with 4-wheel drive (PPO). The best choice depends on the terrain of your life. We hope this guide has steered you in the right direction (and even made you smile along the way). By considering your lifestyle, healthcare needs, and budget, you can confidently choose a plan type that keeps you and your family healthy and happy. Remember, whether you go HMO or PPO, the goal is the same – getting the care you need when you need it. With the information above (and perhaps a quick check on your doctors and costs), you’re well on your way to making the xact right choice for your insurance needs (see what we did there? 😇).

Here’s to your health, your finances, and your peace of mind – all in balance!

Sources:

Official Healthcare.gov definitions of [HMO and (Health insurance plan & network types: HMOs, PPOs, and more | HealthCare.gov) (Health insurance plan & network types: HMOs, PPOs, and more | HealthCare.gov)183】
Cigna Healthcare – HMO vs PPO vs EPO (on network size and premium differen (HMO, PPO, and EPO: What's the Difference? | Cigna Healthcare) (HMO, PPO, and EPO: What's the Difference? | Cigna Healthcare)L99】
Forbes Advisor – HMO vs PPO: Which is right for you? (cost and flexibility summ (HMO, POS, PPO, EPO and HDHP with HSA: What's the difference?) (HMO vs. PPO: Which Is Right for Me? - SmartFinancial)L42】
Bennie.com – Can I Use My Health Insurance in Another State? (travel and multi-state cover (Can I Use My Health Insurance in Another State? - Bennie) (Can I Use My Health Insurance in Another State? - Bennie)L88】
Verywell Health – Living in Multiple States with Health Insurance (dual residency t (How Health Insurance Works When You Live in Multiple States) (How Health Insurance Works When You Live in Multiple States)232】
Independence Blue Cross – What is an HMO? (referrals and exceptions, out-of-network ru (What is an HMO? | Independence Blue Cross (IBX))561】
FinanceBand Q&A – Why would you want a PPO? (travel flexibility of (Why do some doctors not take PPO?) (Why do some doctors not take PPO?)109】
PeopleKeep – Differences between HMO and PPO (average premium costs in 2 (Differences between HMO and PPO health plans) (Differences between HMO and PPO health plans)146】

Insurances

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Cigna

Molina Healthcare

Oscar Health

UnitedHealthcare

Ambetter

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Anthem

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