Which US States Offer PPO Plans on the Marketplace?

Insurance networks dictate which providers and services are covered, often influencing a consumer’s choice in which providers they see. Preferred Provider Organization (PPO) plan is a type of insurance plan that tends to cover more providers and offer out-of-network benefits than others, such as a Health Organization Maintenance (HMO) plan.

However, PPO plans are not available in every state marketplace. In fact, PPOs have had a decreasing presence in marketplaces over the past few years. With more providers to cover in a network, there is less leverage for the insurer to manage costs. Consumers are also willing to have a more restricted network if that means lower costs, often leaving those who have higher health usage and need greater benefits on PPO plans. Thus, consumers are opting more for HMO plans, which tend to have lower premiums but a more restricted provider network, and more carriers are opting out of state marketplaces. This is why it’s important to be informed if your plan changes–particularly if you have preferred providers and/or your PPO plan may be off the market soon.

Below is a list of states that do and do not offer PPO Plans:

Learn More:

The mystery of the disappearing PPO plans | Healthcare Dive

Last Revised March 20th, 2024