To go along with all of the open enrollment questions being posted lately, I was wondering how many of you have an HMO versus a PPO. My husband demands every year that we stay in his PPO plan while I always try to sway him to the HMO side. It is a savings of $2,500 a year in premiums if we went with his HMO. He is so afraid that we won't be able to get to the doctor that we need to get to in case of a serious illness or injury if we switched to an HMO. I keep reminding him we can get to that doctor after we go through the referral process, but he doesn't like that idea. I would love to actually join his high deductible PPO plan in 2015. We are hoping to have a baby in 2014 so that plan doesn't make sense for us next year, but with all of us being healthy, I think we could actually make out really well with a HDHP and HSA account (His employer would fund over 80% of the deductible through an HSA account).
Just curious what everyone's thought process is when choosing HMO v PPO.