Generally speaking, an HMO might make sense if lower costs are most important and if you don’t mind using a PCP to manage your care. A PPO may be better if you already have a doctor or medical team that you want to keep, but who don’t belong to your plan network.
Making your decision
Now that you understand the major differences between the two types of insurance, you may have an idea of which one makes the most sense in your situation.
When you are ready to make a purchase, go to the , opens new window. There you will find information about all of the plans available in your area. Then you can sign up for the insurance that makes the most sense for you.