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1 Health maintenance organizations (HMOs) are popular because they offer comprehensive coverage at a lower cost. However, HMOs often require patients to choose a primary care physician and obtain referrals for specialists.
2 Preferred provider organizations (PPOs) provide more flexibility in choosing doctors and hospitals but tend to be more expensive than HMOs. PPOs may also require higher deductibles or co-pays.
3 Exclusive provider organizations (EPOs) are similar to HMOs but do not require referrals for specialists. EPOs often have lower costs but offer less flexibility in choosing healthcare providers.

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