Compare Medical Plans

All three plans use the same network of doctors and hospitals. The main differences are your monthly cost and how you share expenses when you need care.

💡 Plain-language tip: A deductible is the amount you pay before insurance kicks in. Coinsurance is your share after the deductible. The out-of-pocket maximum is the most you'll ever pay in a year — after that, insurance covers 100%.

Feature	PPO Classic Lower deductible	HDHP Gold ⭐ NEW HSA-eligible	HDHP Standard Lowest premium
Monthly Payroll Cost (Employee only)	$148	$98	$62
Monthly Payroll Cost (Employee + Family)	$412	$298	$198
Annual Deductible (Individual / Family)	$500 / $1,000	$1,500 / $3,000	$2,800 / $5,600
Coinsurance (Your share after deductible)	20%	20%	20%
Out-of-Pocket Max (Individual / Family)	$3,500 / $7,000	$4,500 / $9,000	$6,000 / $12,000
Primary Care Visit	$25 copay	Deductible, then 20%	Deductible, then 20%
Specialist Visit	$50 copay	Deductible, then 20%	Deductible, then 20%
Telehealth Visit	$0	$0	$0
Generic Prescriptions	$5 copay	$5 copay	Deductible, then $5
Preferred Brand Rx	$40 copay	$40 copay	Deductible, then $40
Emergency Room	$250 copay	Deductible, then 20%	Deductible, then 20%
HSA Eligible?	✗ No	✓ Yes	✓ Yes
Ten Key HSA Contribution	—	$750 / $1,500	$750 / $1,500

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