Helpful Tools

Plan Type/Price Range Generator

Suggested Plan Type:
Medium Cost-Sharing PPO
Approximate costs:
Monthly premium: $521 to $608
Deductible: $500 to $750

Medium Cost-Sharing PPO: A PPO with mid-level cost-sharing helps keep premiums in the medium range and is good for employees who are willing to pay slightly more when they use services in order to see a wider range of providers.

Note: Actual quotes may vary. These premium ranges are provided for illustrative purposes; actual premiums will depend upon age, location, insurer, and risk adjustments. Premiums shown here reflect the average price for a 42-year-old worker (excluding dependents) in an eight-person group with an average age of 42 in Los Angeles County, effective July 1, 2011. Employers typically pay a portion of the premium.

Q:	How important is the cost of the health plan premium to your business?
	Important You want a plan with comprehensive benefits, plus you need to protect your employees from high deductibles or copayments. This may result in a higher monthly premium.
Q:	Which is more important to your employees: keeping out-of-pocket costs low and predictable, or having flexibility to choose from a wide range of doctors/providers at different levels of cost-sharing?
	Having flexibility to choose from a wide range of doctors/providers who may charge different rates.
Q:	Which is more important to your employees: paying less from their paychecks for monthly premiums, or paying less each time they visit a provider?
	Paying less for monthly premiums.