A PPO is a type of health insurance plan where members are encouraged to use in-network healthcare providers who have agreed to charge reduced, negotiated rates. Members can visit any doctor without a referral but will pay less when using in-network providers. With a PPO, members are responsible for paying an annual deductible and may have copays or coinsurance. A PPO may be suitable for individuals or small businesses whose employees need flexibility in choosing doctors and do not require referrals to see specialists.