HMOs are wellness-oriented: they cover almost all preventive exams, their premiums are usually much lower, and your doctor will likely be chosen for you. PPOs, on the other hand, allow you to choose doctors from a network of PPOs; they cost more; but on the other hand, they focus more on treatment and coverage when things go wrong, if that makes sense. So if you want to reduce your costs and be very healthy, an HMO is your best option. If you want to be sure that your coverage is as high as possible, whatever the eventuality, and you are willing to pay more for it, a PPO is the right choice for