HMO vs PPO: which fits you

What you'll learn

• ✓The core trade-off between HMO cost and PPO flexibility
• ✓How referrals and networks differ between the two
• ✓Which plan tends to fit which kind of health-care user

Key takeaway: Pick an HMO to save money if you stay in-network; pick a PPO to pay more for freedom and out-of-network access.

In-network vs out-of-network, how HMO, PPO, EPO, and HDHP plans decide what you'll pay, and how HSAs and FSAs help you save.

1. 1In-network vs out-of-network3:37
2. 2HMO plans: understanding your coverage3:56
3. 3High Deductible Health Plans (HDHP)4:00
4. 4PPO plans: flexibility at a higher cost3:45
5. 5EPO plans: network-only, no referrals3:30
6. 6FSA & HSA: an overview4:10
7. 7HMO vs PPO: which fits you▶ Now playing4:20
8. 8HSA vs FSA: a detailed comparison4:15