You need to assess your needs before picking an insurance. I think a misconception of hmos is that they cover less, but that is not true. Hmos are usually less out of pocket, which is good. The drawback is that you have no out of network benefits and all of your care needs to be coordinated by your pcp (ie can't see a specialist without a referral). If you like the freedom of being able to stay in and out of network and no referrals, then a fee for service plan is for you, but it'll cost a little more money. And, if you go out of network, it'll be subject to your deductible and coinsurance. In short, going out of network will cost you more money. Hope this helps!

Greetings:

in a nutshell, there is no "best" health insurance; rather, it's whatever works best for you. Hmos are great for growing families, but you cannot go outside of your network (unless it's for a medically necessary emergency visit, where medically necessary is determined by the hmo, not you).

Ppos offer more flexibility in that you can go outside of a network, albeit the insurance will cover less. You should, however, read the fine print, as some ppos won't cover out of network.

There are also other insurance companies that don't have networks: you can go to any doctor, any hospital.

It all depends on what's important to you.