English to Italian Other Insurance HMO (health management organizations) - assicurazioni sanitarie negli USA

HMO members and their employees choose HMOs for different reasons. Employers look for **low premium rateséé for a given package of benefits. Members are conerned with their options for choice of physicians and facilities, services provided for the base premium fee and out-of-pocket expense. HMO premiums are generally lower than traditional indemnity insurance plans.

Come si dice esattamente in italiano: premi a basso costo (non ci sono occorrenze in rete), premi ridotti, premi bassi?
Grazie per aiuto.