I'm not a fan of HMOs. They are cost saving, right up until you need something they don't offer or a Dr that is out of network.
If you know that you will need a hip replacement, it would probably be worthwhile to switch to a gold plan for one year, and then go back to bronze next year. You'll have to run the numbers, but it's generally better to pay the higher premium if you know you will have major surgery.
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