What Is a HMO (Health Maintenance Organization)?
An HMO covers only in-network care except in a true emergency, and usually requires you to name a primary care physician who coordinates referrals to specialists. In exchange for those restrictions, HMOs are typically the lowest-premium option on the marketplace.
Best suited to: people who are comfortable staying in one network and want the lowest premium.
HMO Availability on the Florida Marketplace (2026)
For 2026, the Florida marketplace lists 5,109 HMO plan options across 66 counties, offered by Florida Blue HMO (a BlueCross BlueShield FL company), Ambetter Health, UnitedHealthcare, Oscar Health Maintenance Organization of Florida. Full-price premiums for a 40-year-old start near $282 per month (median $731) before subsidies, with deductibles starting around $0 (median $5,000).
Availability is set county by county, so a HMO offered somewhere in Florida may not be offered in your ZIP code's rating area. Check the plan list for your own county rather than assuming statewide access.
How to Compare HMO Plans in Florida
- Network first, premium second. Confirm your doctors and hospital participate in the specific plan — not just the carrier. Carriers run multiple networks.
- Deductible and out-of-pocket maximum. The OOP max is your true worst case for the year.
- Drug formulary. Check your prescriptions by name and tier.
- Referral rules. HMO and POS designs typically require a referral to see a specialist.
- Subsidy interaction. Cost-sharing reductions only attach to Silver plans, which can make Silver the better value even at a higher premium.
Frequently Asked Questions
Are HMO plans available in Florida for 2026?
Yes. The Florida marketplace lists about 5,109 HMO plan options across 66 counties, with full-price premiums for a 40-year-old starting near $282 per month before subsidies. Availability still varies by county.
What is the difference between HMO and the other plan types?
PPO plans cover out-of-network care at higher cost sharing and need no referral. POS plans cover out-of-network care but usually require a referral. EPO plans require no referral but cover out-of-network care only in emergencies. HMO plans generally require both a network provider and a referral. The out-of-network benefit and the referral rule are the two variables that matter.
Does HMO cost more in Florida?
On the Florida marketplace, HMO premiums for a 40-year-old start near $282 and run to a median of about $731 before subsidies. Plan type is only one input — age, county rating area, metal tier, and tobacco use all move the price.
Can I switch plan types mid-year in Florida?
Only with a qualifying life event that opens a Special Enrollment Period — losing coverage, moving, marriage, or a new baby, among others. Otherwise plan changes happen during Open Enrollment, November 1 through January 15.