Helpful Tools

Plan Type/Price Range Generator

Suggested Plan Type:
HMO
Approximate costs:
Monthly premium: $291 to $501
Deductible: $0 to $1,500

HMO: An HMO will keep premiums in the medium range, and satisfy employees who want to pay less out-of-pocket, even if this means they will be more restricted in which providers they can see. HMOs have a range of cost-sharing levels, but in general will require less cost-sharing than PPOs. Be aware that HMOs often aren't available in rural areas. If most of your employees live more than 25 miles from a city, an HMO might not be a realistic option.

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?
	Keeping out-of-pocket costs low and predictable.