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Health Insurance

Health Insurance 101: What Is an HMO?

What are the pros and cons of this type of insurance plan?

Lauren Smith, MAMera Goodman, MD, FAAP
Written by Lauren Smith, MA | Reviewed by Mera Goodman, MD, FAAP
Updated on July 4, 2025
Reviewed by Mera Goodman, MD, FAAP | July 4, 2025

Picking a health insurance plan isn’t the easiest. You may notice some acronyms in the names of your insurance plan options, like HMO, which is short for health maintenance organization. There are numerous benefits of an HMO plan, but whether it's right for you depends on many factors.

Talk with your insurance representative to learn more about HMO plans. They can go more in depth about the specific plan options you are choosing between, and they can help you decide if it’s the right fit for you and/or your family.

References

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Lauren Smith, MA
Written by:
Lauren Smith, MA
Lauren Smith, MA, has worked in health journalism since 2017. Before joining GoodRx, she was the senior health editor and writer for HealthiNation.
Dr. Mera Goodman is a board-certified pediatrician. Prior to medicine, she worked as a management consultant.

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