Why are the premiums for a ppo health insurance plan generally more expensive than those for an hmo health insurance plan?
a.
ppo insurance plans offer a wider choice of primary care doctors and specialists.
b.
hmo insurance plans have higher deductibles and copays.
c.
ppo insurance plans have higher deductibles and copays.
d.
hmo insurance plans require a referral for a patient to visit a specialist.

The correct answer is A. PPO insurance plans offer a wider choice of primary care doctors and specialists.

Explanation:

Different from Health Maintenance Organization plans (HMO), a Preferred Provider Organization plan (PPO) is more flexible and allows patients to have more options to choose. This occurs because in PPO patients are not limited to doctors or specialists within a specific network for care but they can see doctors outside the network. Also, patients can choose specialists without a referral.

Due to these advantages, PPO insurance plans are related to higher monthly premiums which means these plans are more expensive. According to this, the main reason premiums for a PPO health insurance plans are more expensive is that "PPO insurance plans offer a wider choice of primary care doctors and specialists".