Anybody got ideas on which is best. I am currently on HMO, but thinking of swithching to PPO. I don't ever realy use the insurance except for sports injuries which HMO seems to have taken care of with no problems and probably have used it less than 4 times in the last 10 years. I am thinking of moving to PPO because it gives me more flexibility - my job has moved so I live in a couple of places that are a few hours apart. I am thinking the PPO will let me go to wherever I want. My cost for either plan is 0, but is seems like the PPO is more expensive if I really need to use it as far as Co-Pays and deductibles. Any ideas which is best? I have a month to change my mind.