In which plan would a patient likely have no cost-sharing if they use an in-network provider?

A Health Maintenance Organization (HMO) plan typically requires members to choose a primary care physician (PCP) and obtain referrals to see specialists. One of the key features of HMO plans is that they emphasize using in-network providers, and they often cover 100% of the costs associated with in-network services, leading to no out-of-pocket expenses for the patient when using these providers. This structure is designed to encourage members to utilize the network's resources, thereby controlling costs and ensuring coordinated care.

In contrast, other plans such as Preferred Provider Organizations (PPO), Point of Service (POS), and Exclusive Provider Organizations (EPO) may involve some degree of cost-sharing even when utilizing in-network providers. For example, PPOs allow greater flexibility in choosing providers but typically include copays or coinsurance. POS plans also require a primary care physician and referrals but may still involve costs depending on the services accessed. EPOs, while similar to HMOs in requiring the use of in-network providers, may have some forms of out-of-pocket expenses associated with certain services.

Thus, the structure and benefits of HMOs make them the plan where patients are most likely to have no cost-sharing when using in-network providers.