Help me pick between this PPO & HMO plan from Blue Shield

I thought PPO's were better than HMO's but after reviewing the following numbers/information, I believe the HMO plan my employer is offering is better?

I'm a 28-year-old active and healthy single person. No other person would be on my health insurance. My employer is paying for either plan so I don't have to worry about it coming out of my paycheck. I live in Los Angeles

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Gold Full PPO 750/30 OffEx:

Deductible: $750 per individual

Are there other deductibles for specific services? Yes. Prescription drugs $250 per individual.

Out of pocket max: $8,150 per individual

What is not included in out of pocket max? Copayments for certain services, premiums, balance-billing charges, and health care this plan doesn't cover

No need for a referral to see a specialist

Estimated fracture cost: $1,300

Estimated Managing Type 2 diabetes cost: $2,140

Estimated having a baby cost: $3,460

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Platinum Local Access + HMO 0/25 OffEx:

Deductible: $0
Are there other deductibles for specific services? No
Out of pocket max: $2,350 per individual
What is not included in out of pocket max? Copayments for certain services, premiums, and health care this plan doesn't cover
Need a ref to see a specialist

Estimated fracture cost: $540

Estimated managing type 2 diabetes cost: $1,120

Estimated having a baby cost: $960

submitted by /u/longliveblackmamba
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