Which medical plan is right for me? Preferred Provider Organization (PPO) A PPO plan typically has higher monthly premiums but lower costs when you receive care. Many services include copays, which can make healthcare expenses more predictable throughout the year. See PPO Coverage A PPO may be right for you: • If you visit doctors or specialists regularly • If you prefer predictable copays for visits and prescriptions • If you expect ongoing medical expenses or procedures High-Deductible Health Plan (HDHP) An HDHP offers lower monthly premiums but higher upfront costs when you receive care. These plans are often paired with a Health Savings Account (HSA), which can help you save and pay for qualified medical expenses tax-free. See HDHP Coverage An HDHP may be right for you: • If you want lower payroll deductions each paycheck • If you rarely visit the doctor or use medical services • If you want to contribute to and save money in an HSA