Call this a little market research. (Very little!)

Some group health plans and most individual plans (sold on and off The Marketplace) have HMO-like limits to provider access.

Our health systems in metro-Milwaukee deliver first rate care.

Still, in some cases, like maybe when faced with a particularly challenging illness, one might want to seek a second opinion from an out of state center of excellence.

Now for the question.

You work at a company that has an arrangement allowing you to choose between two health plans.

Plan A is a traditional deductible/co-pay option, with a broad national PPO Network. Your share of the premium, net of employer contributions or tax credits (in both cases about 40%) is $240/month.

Plan B is the same deductible/co-pay design but, with an HMO Network limited to most (but not all) local health systems. Your cost would be just $150/month.

Whichever plan you pick, you can change once a year.

Vote now, please: Plan A or Plan B.

And, thanks.