Direct answer
It depends on whether you prefer lower out-of-pocket costs with an HMO’s network restrictions or the flexibility to see specialists without referrals provided by a PPO. A PPO is often better if your family requires consistent access to a wide range of specialists, while an HMO is more cost-effective if you stay within a primary care provider’s network.
Comparative analysis of network-based health insurance plan structures provided by the National Association of Insurance Commissioners. For additional information about how different network structures impact out-of-pocket costs and provider access, see the Healthcare.gov guide to plan types.
What this means for you
It depends on whether you prefer lower out-of-pocket costs with an HMO’s network restrictions or the flexibility to see specialists without referrals provided by a PPO. A PPO is often better if your family requires consistent access to a wide range of specialists, while an HMO is more cost-effective if you stay within a primary care provider’s network.
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