HMO plans deliver the lowest premiums in exchange for staying inside a defined network. You choose a primary care physician (PCP) who coordinates your care and refers you to in-network specialists.
What it costs
Your premium depends on your age, your health, your ZIP code and which carriers are available where you live. We will not guess at it. Call (714) 922-0043 and we will run real numbers for your situation, at no cost.
How HMO plans work
- 01
Pick a PCP at enrollment.
- 02
PCP handles routine care and refers you to in-network specialists.
- 03
Out-of-network care is typically not covered (except emergencies).
- 04
Lower premiums, lower copays, lower deductible.
Pros
- • Lowest monthly premiums
- • Predictable copays
- • PCP coordination reduces fragmented care
Cons
- • Out-of-network care not covered
- • Referrals required for specialists
- • Network changes year-to-year
Best for
- Healthy families on a budget
- Anyone whose primary care is local
- Predictable-cost shoppers
Compare other plan structures
- PPO PlansMaximum flexibility - in-network preferred, out-of-network allowed.
- EPO PlansPPO flexibility for in-network care - no out-of-network coverage.
- Short-Term PlansBridge coverage for gaps - not ACA-compliant.
- Catastrophic PlansLow premium, high deductible - protects against worst-case medical events.