A PPO, or Preferred Provider Organization, is a flexible health insurance plan allowing members to choose their healthcare providers freely. Below are some key takeaways:

• PPO plans provide a wide network of "preferred" healthcare providers at lower costs.

• Members are not restricted to the network and can seek care outside, though it may cost more.

• No primary care physician (PCP) selection or referrals are needed to see specialists.

• PPOs offer more freedom and flexibility in healthcare choices, appealing to those who value autonomy in their healthcare decisions.