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WebSep 17, 2024 · HMOs offered by employers often have lower cost-sharing requirements (i.e., lower deductibles, copays, and out-of-pocket maximums) than PPO options offered by the same employer, although HMOs sold in the individual insurance market often have out-of-pocket costs that are just as high as the available PPOs. WebAug 10, 2024 · One of the best ways to compare health plans is to find an independent agent who specializes in health insurance. These agents can advise you about which … child shadow
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