HMOs are focused on wellness: they cover almost all preventative tests, their premiums are generally much lower, and your doctor will likely be chosen for you. PPOs, on the other hand, allow you to choose doctors within a PPO network; they cost more; but on the other hand, they are more focused on treating you and protecting you when things go wrong, if that makes sense. So, if you want to keep costs down and stay healthy, an HMO is your best bet. If you want to be sure that your coverage is as high as possible, regardless of the unexpected, and you are willing to pay more for it, a PPO is the right choice for