HMO plans overview
With an HMO plan, in most cases you must see a provider, or primary care physician (PCP), within your network. Your primary caregiver acts as your gatekeeper of sorts, referring you to others within your network. (If you want to see a specialist, you may need to get a referral from your doctor.) Because this defined network can help control costs, premiums tend to be lower with an HMO, which is also commonly paired with a low (or no) deductible. Here are more details about HMO plans: