What Is PPO Health Insurance—and Why Does It Matter?

If you’ve ever shopped for health insurance, you’ve likely come across the term “PPO.” It stands for Preferred Provider Organization—a type of health insurance plan that offers greater flexibility in choosing your doctors and hospitals. Unlike HMO (Health Maintenance Organization) plans, which require referrals and restrict care to a specific network, PPO plans allow you to see any provider you choose, with or without a referral.

PPOs are especially valuable for self-employed individuals or those without employer-sponsored insurance. When you work for yourself, you want a plan that lets you keep your preferred doctors and access specialists when needed. That freedom is what makes PPO plans a smart choice. With broader networks and fewer restrictions, they ensure you get the care you need, when you need it—without jumping through hoops.

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