Bobbie must select an employer insurance plan that meets her needs. Bobbie knows that she is approaching 50 years old and has two children in college, so she needs a flexible plan. Bobbie wants a medical plan where she can select her own physician and not be limited to the network group. Which plan is the best option for Bobbie?

a. Preferred provider organization (PPO)
b. Fee-for-service plan
c. Health maintenance organization (HMO)
d. High-deductible health plan (HDHP)