Glad it's worked well for you Crankin. My employer is in the process of phasing out the traditional HMO, and new employees do not have that option. They have raised the premiums, deductibles, and co-pays so much for the HMO that there is no difference in the out of pocket limit for either plan and, indeed, it's slightly higher for HMO plans. We USED to have an HMO like you describe, but that ended in 2008 or so. Even under the HMO the employee is responsible for a sizeable percentage of tests, scans, and surgeries. I try not to remember what our insurance USED to be like, that doesn't do me any good.