Which Health Insurance Is Best HMO Or PPO? 
This is really a matter of personal preference . While the lower cost associated with HMO plans can certainly be appealing , anyone with an HMO only has coverage when they are using a medical provider in their network . If having your choice of doctor is important to you , and your chosen physician does not work with an HMO , or if you travel extensively and may need coverage away from your home area , then you will more than likely find the additional cost of a PPO to be very worthwhile . 