Final answer:
HMOs have no health premiums but restrict the choice of doctors. The trade-off is lower costs and monthly premiums compared to PPOs.
Explanation:
Health Maintenance Organizations (HMO) do not have health premiums but severely restrict the doctors you can see. They require you to choose a primary care doctor from their designated network of providers, and any specialist referrals need approval from your primary care physician. This limitation on doctor choice is a trade-off for lower out-of-pocket costs and monthly premiums as compared to other plans like Preferred Provider Organizations (PPO).
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