What have you found to be better: HMO or PPO plans?

HMO's reduce costs by imposing a ton of restrictions on which doctors you can go to and what those doctors can do for you (Fewer procedures and restricted medications). PPO's are more expensive but you get a greater choice of doctors and they can generally do more for you within your insurance. PPO's usually don't require referrals and will partially cover out of network physicians. If you hate referrals get the PPO because you usually don't need them. Good Luck.