The plan lineup is designed to give employees a practical range from affordability to HSA compatibility to richer traditional PPO benefits.
| Feature | Essential MV | Advantage HSA | Premier PPO |
|---|---|---|---|
| Plan type | Minimum Value | HSA | PPO |
| Employee-only monthly rate | $295.95 | Request quote | Request quote |
| Individual / family deductible | $5,000 / $10,000 | $6,000 / $12,000 in-network | $3,000 / $6,000 in-network |
| Individual / family OOP max | $9,000 / $18,000 | $7,000 / $14,000 in-network | $6,000 / $12,000 in-network |
| Primary care | $50 copay | 30% after deductible | $35 copay |
| Specialist | $75 copay | 30% after deductible | $55 copay |
| Urgent care | $75 copay | 30% after deductible | $55 copay |
| Preventive care | No charge in-network | No charge in-network | No charge in-network |
| Generic prescriptions | $0 formulary copay | Plan terms apply | $0 copay |
| HSA eligible | No | Yes | No |
This table is a high-level marketing summary. The applicable plan documents and SBCs control. Network and pharmacy terms vary by plan.
A price-forward option designed to provide essential medical protection with predictable copays for common care.
Employee-only rate.
Covered generic medications on the plan's applicable formulary.
$50 primary care, $75 specialist, $75 urgent care, $0 telemedicine.
HSA-compatible coverage for employees who prefer tax-advantaged savings and can absorb more first-dollar medical exposure.
A traditional PPO design with predictable office copays and richer cost sharing for many services.
David can help you evaluate whether to offer one, two or all three plan options.