Direct answer
It depends on your specific provider network and copay structure, as PPOs offer more flexibility for out-of-network care which often carries higher premiums compared to the more restrictive HMO model.
Data derived from state-regulated health insurance premium filings and plan summary benefit disclosures. For additional information about how plan types influence premium costs, see the Kaiser Family Foundation‘s annual survey of employer health benefits.
What this means for you
It depends on your specific provider network and copay structure, as PPOs offer more flexibility for out-of-network care which often carries higher premiums compared to the more restrictive HMO model.
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