Answer:
The answer is really subjective and also depends upon whether or not the policy is H.S.A. compatible. In general, HMO's are usually much more expensive because they often provide they usually provide the cheapest first $ benefits for a person that uses their health insurance benefits frequently. Therefore most people will find HMO's more cost effective if they have an employer-paid policy and have frequent doctor visits, take several medications, etc. Most of the time the PPO policies will have more out-of-pocket costs for the same visits & meds comparatively.