 With Health Plan Network, with gas prices, food prices, and interest rates going up, up, up, here's a way to save money. My Freedom of Choice Health Plan is a private plan that doesn't force you to pay for things you don't need, like maternity coverage. It's a PPO plan, so you can use any doctor. You only meet a deductible if you go into a hospital, and it's 30 to 60 percent lower cost than Obamacare.