under an HMO plan, you usually have your primary care physician manage and direct your care. This means your doctor will coordinate all your healthcare services, keep track of all your medical records, and provide routine care. If you need to see a specialist, you’ll need a referral from your primary care physician, except in an emergency. And you typically don’t have an option to see any doctor you choose since you’re limited to physicians within the HMO network. An HMO plan won’t offer you access to an HSA, but again it may be worth looking into an FSA.
