12 Secrets About Private Health Insurance Quotes You’ll Wish You Knew Earlier

10. The “Popular” Plan Type That Quietly Limits Your Care

Many Americans choose HMO plans thinking they’re affordable and simple.

But what they don’t realize is how restrictive these plans can be.

Here’s what often goes unnoticed:

• You must get a referral to see a specialist — no direct access
• You’re limited to a narrow network of doctors and hospitals
• If you visit an out-of-network provider? No coverage at all

That low premium? It often comes at the cost of freedom and flexibility in your healthcare.

Worse, some critical services may require lengthy approvals or get outright denied.

Before you know it, you’re waiting weeks for care you urgently need.

Coming up next — Page 11 reveals how your zip code can make your insurance shockingly expensive or cheap.