Direct answer
It depends on your provider network utilization, as POS plans typically have higher premiums and out-of-pocket costs than HMOs because they offer the additional benefit of out-of-network coverage.
Comparative actuarial cost-sharing models for managed care organizations. For additional information about how plan types impact premiums and consumer out-of-pocket costs, see the KFF (Kaiser Family Foundation)‘s annual employer health benefits survey.
What this means for you
It depends on your provider network utilization, as POS plans typically have higher premiums and out-of-pocket costs than HMOs because they offer the additional benefit of out-of-network coverage.
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