Which Health Insurance Is Best HMO Or PPO? 
This varies from person to person and many factors can go into it such as personal preference , where you live , do you travel , and premium tolerance , just to name a few . PPO networks are much larger than HMO networks - HMO networks feature a more restricted network and you can pay higher costs for going to out-of-network doctors . The premiums for PPO plans will generally be higher because of this . If you can afford a higher premium , you may want to go the PPO route . If you have a very tight budget and you need to keep your premiums to a much lower figure , an HMO may be more suitable . Also , you may not have many options for health insurance in some areas . You 're generally going to have more options living in an urban area than a very rural one - not every carrier will offer every network type either under the new affordable care act . 