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One of the things that many people like about an HMO affordable health insurance plan is that there is little if any paperwork involved, unlike traditional indemnity plans, and plan holders simply present a card at the time of treatment. This, combined with its comparatively low cost, makes it a very simple option when it comes to health insurance. However, there are always two sides to a coin and in the case of HMO plans the other side of the coin is not quite so attractive. Apart from the fact that you will often have to wait for treatment, you could run in to considerable difficulty when it comes to getting specialist care and, when it proves necessary to go outside of the HMO’s network to get that care, then costs can suddenly start to rise dramatically. Like everything in life HMO’s have their pros and cons and you have to balance one against the other when deciding whether or not it is the right choice for you.