A health maintenance organization (HMO) plan from a large firm typically offers the lowest out-of-pocket costs. A 2021 study from the Kaiser Family Foundation found that the average annual deductible for single coverage HMO with a large firm was about $847. However, average HMO deductibles with a small firm increase to $2,256. Across all firm sizes, HMOs and PPOs have similar deductible averages.