Which of the following is the most popular type of group health plan?

Preferred provider organizations (PPOs) are considered the most popular type of group health plan due to their flexibility and the broad network of providers they offer to policyholders. PPOs allow members to see any healthcare provider without a referral, making it easier for patients to seek care from specialists or out-of-network providers. This structure appeals to many consumers who value having more control over their healthcare decisions and access to a wider range of services.

The appeal of PPOs is further enhanced by the balance they strike between cost and flexibility. Although they may involve higher premiums than some other types of plans, members appreciate the trade-off for increased choice and convenience. Additionally, PPOs typically do not require members to choose a primary care physician, which is a requirement in many health maintenance organizations (HMOs), thereby allowing for greater autonomy in selecting healthcare providers.

In contrast, other options, such as HMOs and point-of-service plans (POS), often have more restrictions on provider networks and referral requirements, which can be less appealing to those who prioritize convenience and flexibility. Indemnity plans, while offering freedom of choice as well, usually come with higher costs and less predictable coverage structures, making them less favored compared to the overall appeal of PPOs.