Is It Time to Switch to an HMO Plan?

If you’re burdened with high health insurance premiums and increasing out-of-pocket costs, a health maintenance organization (HMO) plan might be right for you. HMOs are managed care plans that are also often the most affordable health insurance plans you can find. HMOs usually have their own network of doctors, specialists, clinics and hospitals, which allows them to negotiate a certain level of payments for the services their network provides.

HMO plans are a fantastic option for many California residents, but there are many factors to consider when determining if an HMO is right for you. Two primary factors that distinguish an HMO plan include:

HMOs are a great choice for those that don’t have specialized health care needs. If you find that you only really need annual health exams and immunizations, an HMO plan could help keep your monthly premiums low.

HMO plans are just one form of health coverage. Another type of coverage, a preferred provider organization (PPO), is a more...

Posted: September 29th, 2022

Not sure how Obamacare affects your health care plans in California? Learn how the ACA works in California, including benefits, costs and enrollment.

Covered California is the Golden State’s official health exchange marketplace where individuals, families and small businesses can find high-quality, low-cost California government health insurance.

Learn about Obamacare income guidelines in California using our income limits chart, and see if you’re eligible for government assistance.

Learn about the Covered California website. Find easy online enrollment. Set up your account, log in, buy insurance and more on the California health marketplace website.