Picking healthcare benefits now, which is better PPO or healthcare, it's just for me

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HMOs are typically cheaper, PPOs are normally more flexible in coverage - I have PPO

Our insurance is also super cheap, but I mean it better be considering healthcare is our primary space

Healthcare!

Depends on whether you think you'll need to go to the doctor (which may/may not be hard to predict). I used to do the high deductible plans with PPO (PPO is good when you travel, gives more options for doctors), but I switched to one with a co-pay, which would be good if you have regular doctor visits like a Chiro or PT

It sounds like you're right out of college, if you're still on your parent's insurance you could use that as a secondary to your primary (if you chose PPO) and it would cover your deductible without you paying out of pocket. Again that's a temporary fix because you wouldn't be on your parent's forever.

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