The enrollment period is closed. So I can't change unless I have a "qualifying event." (I will soon be able to change, since I'm moving to a new city. I don't think there are any PPOs there, though.)
However....and stay with me here....I am a "low" user of medical services. My Scott & White premium (which restricts you to going to the hospital and pharmacy...not useful if you're really sick, since it's about 10 miles from me, through the heart of downtown) would add to the cost such that I would end up paying over $3,200 for medical services, counting the premium. But I would end up paying a little over $1,000 for a low level HMO. (My premium would run around $190-195; this is because I claim over $12k income, because I cannot pinpoint it exactly ahead of time, so I give myself wiggle room, in case I make over the amount I claim.) In other words, the healthier you are, the less advantage it is to have a high premium policy.
There is an alternate to an HMO I can choose, however, That is United Health Care's EPO plan. It's like an HMO, but you don't have to have a PCP referral for everything. I didn't know about that difference, or I probably would've gotten that, instead.