Helpful Tools

Plan Type/Price Range Generator

Suggested Plan Type:
HSA or High Cost-Sharing PPO
Approximate costs:
Monthly premium: $274 to $470
Deductible: $1,000 to $4,000

HSA or High Cost-Sharing PPO: These high-deductible plans usually have the lowest premiums. However, employees will pay high out-of-pocket costs each time they visit a health care provider. In some areas, such as Los Angeles, HMO premiums may come close to these PPO levels. In an HSA-eligible plan, the employer and worker can set aside tax-sheltered funds to pay out-of-pocket medical costs; unused funds can accumulate for future use.

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?
	Very Important You want a plan with comprehensive benefits but need to keep the premium relatively low, even if your employees have to pay more out-of-pocket.
Q:	How important is the overall cost of the health plan (particularly monthly premiums) to your employees?
	Extremely Important They want the lowest-cost health plan possible, even if the benefits are very limited and don't cover routine or preventive health care.