"I agree that you need to closely examine the plan documents for both and sit down and compare each feature. No two PPOs and no two HMOs are alike, but typically PPOs will have a higher out of pocket component. The devil is in the details...
"BusedP said it all with "you need to consider a lot of things." Not all HSAs are created equal and you need to look at the specific structure of yours. If given the choice b/w a PPO and an HMO, and all other things being fairly equal, I…"
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