HMO Health Insurance Plans

Health Maintenance Organization plans offer lowest premiums with coordinated care through a Primary Care Physician.

Michael Aman is a licensed independent insurance agent in Columbus, Ohio who helps individuals and families compare HMO health insurance plans from multiple carriers to find the best fit.

Key Features

• Primary Care Physician (PCP) required
• Referrals needed for specialists
• In-network only coverage
• Lower out-of-pocket costs

Advantages

• Lowest monthly premiums
• Low copays for in-network care
• Coordinated care through PCP
• Preventive care typically covered at 100%

Considerations

• Requires PCP referrals for specialists
• No out-of-network coverage (except emergencies)
• Must stay within the HMO network

Best For

Individuals and families who want the lowest premiums and don't mind coordinated care through a PCP

Compare All Health Plan Types

• HMO Health Insurance Plans (this page)
• PPO Health Insurance Plans — Preferred Provider Organization plans provide maximum flexibility with no referral requirements.
• EPO Health Insurance Plans — Exclusive Provider Organization plans combine no-referral specialist access with in-network coverage.
• HDHP High-Deductible Health Plans — High-Deductible Health Plans offer lowest premiums with HSA eligibility and triple tax advantages.