Back to Home
PPO
(Preferred Provider Organization)
A PPO is a type of health insurance plan that provides more flexibility in choosing healthcare providers than HMOs, typically at a higher cost. PPO members can see any doctor or specialist without referrals, though using in-network providers results in lower out-of-pocket expenses.
About 47% of U.S. workers with employer-sponsored insurance are enrolled in PPO plans. These plans balance cost and choice, with average annual premiums of $7,500 for single coverage. PPOs generally have higher deductibles ($1,500 average) and coinsurance (20-30%) than HMO plans but offer greater access to specialists and out-of-network care when needed.
About 47% of U.S. workers with employer-sponsored insurance are enrolled in PPO plans. These plans balance cost and choice, with average annual premiums of $7,500 for single coverage. PPOs generally have higher deductibles ($1,500 average) and coinsurance (20-30%) than HMO plans but offer greater access to specialists and out-of-network care when needed.