HMO plans — Lowest premiums — coordinated care through one primary doctor.
An HMO gives you the lowest monthly premium in exchange for using a defined provider network and getting referrals from your primary care doctor (PCP). All care is coordinated through your PCP, which means less paperwork and more structured healthcare. Our agents compare total HMO cost across 6+ carriers.
HMO in plain English.
Choose a primary care provider (PCP) who manages your care. Specialists require a referral from your PCP. All care must stay in-network (no out-of-network coverage except emergencies). Premiums are typically the lowest of any plan type.
Best for:
Trade-offs to know:
Carriers offering HMO plans.
Cost range: $0–$380/mo after subsidies. Your agent compares total cost across all available carriers in your ZIP.
Twelve minutes, scripted.
We'll lay out exactly what your agent will ask, in what order, and why - so you know what to have in front of you before you pick up the phone.
A licensed agent picks up
No phone tree, no transfers, no hold music. Median answer time: 38 seconds.
They ask your ZIP and the ages of anyone covered
So they can pull plans actually available in your state - and confirm the right metal tier for your household.
They ask which doctors and meds matter to you
So they can rule out plans that don't include your providers or formulary. This is the step the marketplace skips.
They show you 3–5 plans side-by-side
Premium, deductible, max out-of-pocket, network size, and a plain-English read on what each gets you.
You pick - they enroll you on the call
Same call. Effective date is typically the 1st of next month. Confirmation by email and SMS within an hour.
You hang up insured
No follow-up sales calls, no info sold to anyone. If you change your mind, we have a 30-day support window - same agent.
You pay nothing. Ever.
We're paid a flat commission by the carrier when you enroll - the same amount whether you pick a BlueCross PPO or an Ambetter HMO. We have zero incentive to push you toward anything but the plan that fits. We don't sell your information. We don't email you for weeks.
Common questions about HMO plans.
Total cost = premium + deductible + OOP max. HMOs run $0–$380/mo after subsidies — the lowest of any plan type. But a $0/mo plan with a $9,000 deductible may cost more than a $200/mo plan with a $2,000 deductible. Your agent compares total cost.
Yes — HMOs require a referral from your primary care provider (PCP) to see specialists. Your PCP coordinates all your care.
HMOs only cover in-network providers (except emergencies). Your agent checks your doctor list against every HMO network before recommending.
Not necessarily — HMOs cost less and provide coordinated care. If you're healthy, don't have specific specialists, and want the lowest premium, an HMO is often the best total-cost option. Your agent compares both.
Yes — HMO plans are fully subsidy-eligible. About 4 out of 5 enrollees qualify.
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100% free. Carriers pay us a flat commission.
12 minutes. Real savings.
Your agent compares HMO total cost across 6+ carriers. One call, $0 fee.
(866) 605-0702