Businesses of any size in select states

Don't pay for insurance you don't use. This simple plan helps maintain good health, but also provides protection when life happens.

• Higher deductible amounts
• Copays for basic services like office visits, telemedicine and pharmacy
• Other services–pay the deductible, then the plan pays a percentage of the cost

Mostly healthy individuals, with minimal healthcare needs, who want a simple plan to maintain good health. Provides protection for a major healthcare event.

Businesses of any size

This is a health plan with no surprises. Before getting care, employees will know exactly what they’ll pay for in-network covered services—it’s that simple.

• No deductible
• Simple straightforward copay for services

Budget-conscious individuals who want to know their up-front healthcare costs so they can better manage their expenses.

Businesses of any size

High-deductible health plans (HDHP) pay coinsurance, or a percentage of the cost, after the deductible is met for all covered services, including pharmacy.

• High deductible amount, no copays
• First pay a deductible, then the plan pays a percentage of the cost
• Also compatible with health savings accounts (HSAs)

Generally healthy individuals who get routine, preventive care annually, but need full-coverage if a major healthcare event occurs.

Businesses of any size

This is one of our lowest-premium plans with extensive coverage and access to in-network discounts. Once the deductible is met, the plan pays a percentage of covered services until reaching the out-of-pocket maximum. After that, the plan pays 100% of all eligible in-network services.

• Lowest-cost premiums
• Spending account options available to help pay for out-of-pocket healthcare expenses and offer tax savings
• Members pay for care until they meet their deductible amount—after that, the plan pays a percentage of covered services and prescriptions

The Efficiency plan is great for budget-conscious employers looking to offer healthcare coverage with access to in-network discounts for a lower premium. Plus employees can easily access their spending account funds to help pay for out-of-pocket expenses.

Businesses of any size

This is a traditional health plan with copays for some services and a deductible for other covered services.

• Copays for basic services like preventive exams, virtual visits and pharmacy
• Other services—pay the deductible, then the plan pays a percentage of the cost

Individuals looking for a traditional insurance plan that covers both routine care and other conditions.