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For small business owners, time is the most valuable non-renewable resource, and money is often tight. When it comes to business insurance, the common perception is that you must choose between hours of tedious online research or being locked into a single, expensive carrier.

Navigating the world of health insurance can feel like trying to solve a complex puzzle. If you are comparing two of the most popular plan types, Health Maintenance Organizations (HMOs) and Preferred Provider Organizations (PPOs), you need to understand one key thing: The primary difference is flexibility versus cost.