What Is The Difference Between An HMO And A PPO Health Insurance? 
The main difference is an HMO -LRB- Health Maintenance Organization -RRB- has a more restricted network and you may need to have a designated primary care physician for your plan . Also , if you need to go see a specialist , you will likely need a referral from your primary care physician in most circumstances . A PPO -LRB- Preferred Provider Organization -RRB- will generally have a broader network and would not require a referral to see a specialist . The premiums for PPO plans will generally be higher than an HMO . 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 . I hope the information is helpful - please feel free to contact me for assistance with your coverage and if you have any other questions . Thanks very much . 