HMO plans that fit your lifestyle
An HMO gives your employees access to doctors and hospitals within its network. A primary care practitioner (PCP) can help coordinate your overall medical care. No matter which HMO plan you choose you will receive:
- 100% coverage for preventive services completed by an in-network provider
- $0 copay on preventive drugs that target common medical conditions
- Access to our 24/7/365 online clinic, MDLIVE
- Access to our RN Comprehensive Care Coordination team
- Free Nurseline 24/7/365
- Access to Hear in America
- Tobacco Cessation coverage
Aspirus Health Plan Signature Network
With an HMO plan, there is no referral necessary to see an in-network specialist, but some services will require review and prior authorization. If you receive care from an out-of-network provider, the HMO will not pay for that care unless the condition was deemed an emergency or approved prior authorization is received from Aspirus Health Plan.
2026 Small Group HMO Plans at a glance
2026 Plan Details – Contracts, Plan Summaries and Summary of Benefits and Coverage (SBCs).
HMO Platinum (one option)
Individual deductible
$500
Individual out-of-pocket maximum
$2,400
Family deductible
$1,000
Family out-of-pocket maximum
$4,800
Coinsurance
20%
Office visits
$0-$35, $70 Specialty
HMO Gold (four options)
Individual deductible
$1,400 or $2,000 or $2,400 or $3,000
Individual out-of-pocket maximum
$7,500 or $8,000 or $7,000 or $5,500
Family deductible
$2,800 or $4,000 or $4,800 or $6,000
Family out-of-pocket maximum
$15,000 or $16,000 or $14,000 or $11,000
Coinsurance
20% or 10% or 20% or 20%
Office visits
$0 - $35, $70 Specialty
HMO Silver (four options)
Individual deductible
$4,200 or $5,000 or $6,000 or $7,500
Individual out-of-pocket maximum
$9,500 or $10,600 or $9,000 or $9,500
Family deductible
$8,400 or $10,000 or $12,000 or $15,000
Family out-of-pocket maximum
$19,000 or $21,200 or $18,000 or $19,000
Coinsurance
20% or 10% or 20% or 30%
Office visits
$0 - $45, $90 Specialty
HMO HSA Gold (two options)
Individual deductible
$3,500 or $3,750
Individual out-of-pocket maximum
$3,500 or $3,750
Family deductible
$7,000 or $7,500
Family out-of-pocket maximum
$7,000 or $7,500
Coinsurance
0%
Office visits
0% after deductible
HMO HSA Silver (four options)
Individual deductible
$3,000 or $5,000 or $3,750 or $6,000
Individual out-of-pocket maximum
$8,500 or $6,500 or $8,000 or $6,000
Family deductible
$6,000 or $10,000 or $7,500 or $12,000
Family out-of-pocket maximum
$17,000 or $13,000 or $16,000 or $12,000
Coinsurance
30% or 20% or 20% or 0%
Office visits
30% or 20% or 20% or 0% after deductible
HMO HSA Bronze (three options)
Individual deductible
$7,000 or $8,000 or $8,500
Individual out-of-pocket maximum
$8,000 or $8,000 or $8,500
Family deductible
$14,000 or $16,000 or $17,000
Family out-of-pocket maximum
$16,000 or $16,000 or $17,000
Coinsurance
30% or 0% or 0%
Office visits
30% or 0% after deductible