What you need to know about HMOs

It’s good to have choices. When it comes to health insurance, you have your choice of several types of plans. One type you might have heard of is a Health Maintenance Organization (HMO) plan. An HMO plan might be right for you and your family.

What is an HMO?

An HMO is a type of health plan that is designed to keep costs low and predictable. HMOs are easy to understand, easy to use, and can be more affordable. You will have access to certain doctors and hospitals, called your HMO provider network, and your care will be managed by one primary care physician (PCP) – your personal doctor who helps to make sure you get the right care at the right time and at the right place.

When you and your family use doctors and hospitals in your HMO network, there is no coinsurance, which means you won’t have to pay a percentage of your health care bills.

What Makes an HMO a Good Choice?

  1. An HMO is designed so that you have care personalized to you. You’ll have one doctor, your PCP, to call to take care of you when you get sick, or guide you if you need more care. From helping to prevent chronic issues to helping you when you’re sick or injured, you’ll have someone in your corner who’s making sure you get the care you need.
  1. With an HMO, you have a health plan designed to help you stay healthy. Having one health care expert coordinate all of your health care needs keeps your costs down and your health on the right track.
  1. An HMO is designed to control costs through preventive health care services that help you avoid serious and costly health problems. With an HMO you also have predictable costs. Most of your expenses include a monthly premium, copays when you go for care and a set deductible for the year.

Learn More about HMOs and Get Help Choosing the Plan That’s Best For You

For information about a specific HMO plan and what it covers, read the Summary of Benefits and Coverage document on the Marketplace website.

If you need help choosing a plan that is the best fit for you or if you need help with your Marketplace application, you can call 1-800-318-2596.