Dave and Sharon Sampson are assessing the amount of health insurance and disability income insurance they have.

The Sampsons$$ health insurance is provided by a health maintenance organization $($HMO$).$ Recently, Dave and Sharon have heard about preferred provider organizations $($PPOs$)$ and are wondering whether they should switch to a PPO. The health care plan provided by Dave$$s employer allows them to use either an HMO or a PPO, but they would have to pay higher premiums for a PPO. Upon hearing that PPOs are more expensive than HMOs, Dave and Sharon are hesitant to switch, but they have not yet made up their minds. Dave and Sharon are both happy with their primary care physician and any specialists they need to consult under their HMO plan.

Dave and Sharon currently do not have disability income insurance because they do not believe that they are at risk of becoming disabled. Dave and Sharon typically have monthly expenses of at least $$4,000,$ none of which are work related.

The Sampsons have also recently heard about long$-$term care insurance and are wondering whether they should purchase this type of insurance.

Make suggestions to the Sampsons regarding their health insurance. Do you think they should switch from the HMO to a PPO? Why or why not?