Your friend Poy needs to choose health insurance with her employer. Poy works in sales and her income fluctuates quite a bit. She just recently got together an emergency fund based on your recommendation but has already had to access as her last check was lower than normal. Poy generally has very little money left over after paying her bills and living expenses. She can choose between and HMO and an indemnity plan. Poy really likes the idea of being able to choose any doctor she would like under the indemnity plan. Which plan do you think would be right for Poy? Why?