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<p> Obamacare health plans are required to meet the standards mandated in the Affordable Care Act, but plans may choose whether to cover out-of-network providers and whether to require referrals for specialist visits.</p>

Obamacare premiums higher in counties without PPOs

EPOs 15% more expensive in counties with no PPO

Obamacare health plans are required to meet the standards mandated in the Affordable Care Act, but plans may choose whether to cover out-of-network providers and whether to require referrals for specialist visits.