Which model allows subscribers to obtain health care services from a broad range of providers without an exclusive network?

The open-panel HMO is characterized by offering subscribers the flexibility to seek care from a broad range of healthcare providers without being restricted to an exclusive network. This model allows members to access services from various physicians and hospitals, which can enhance patient convenience and choice. Unlike closed-panel HMOs, which limit members to a specific set of providers, the open-panel approach enables subscribers to use both HMO-affiliated and non-affiliated providers, thus expanding their options for care.

In contrast, the closed-panel HMO generally restricts patients to a limited network of providers, which can lead to reduced options in terms of specialized care or provider preferences. The group model HMO involves specific groups of physicians who provide services, but still operates with a network focus. The staff model HMO employs physicians directly, which may limit patient choice even further as subscribers must seek care from the employed doctors only.

The open-panel HMO structure is particularly beneficial for individuals who desire more autonomy in choosing their healthcare providers while still being able to access the cost advantages typically offered by managed care plans.