Preferred provider organizations, or PPOs, are still the most popular health plans offered by employers.

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These plans are now the second-most popular in the market, behind only PPOs.

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But something happens when you get a cold, or worse, and are plunged into the black hole of co-payments, insurance claims, preset doctor lists, HMOs, PPOs--and utter dysfunction.

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The ranking also, weirdly, only looks at HMOs, not PPOs.

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