Generally speaking, an HMO might make sense if lower costs are most important and if you don't mind using a PCP to manage your care. A PPO may be better if you already have a doctor or medical team that you want to keep but doesn't belong to your plan network.
What are the disadvantages of an HMO?
Cost: If you want to minimize your health expenses, it might be better for you to go with an HMO. You generally have lower health insurance premiums and lower out-of-pocket expenses. On the other hand, you do not have as much out-of-network coverage with an HMO.