(HawaiiNewsNow) - Look closely at the differences between an HMO Health Maintenance Organization plan and a PPO Preferred Provider Organization. You generally pay more for a PPO plan but it can offer you more flexibility to see who you want. A HMO typically has lower fixed premiums and can cost you less if you need to be hospitalized. Medical needs change so remember to reassess your medical coverage and plans. Talk with your insurance carrier, they can walk you through it.