Helpful Tools

Plan Type/Price Range Generator

Suggested Plan Type:
Low Cost-Sharing PPO
Approximate costs:
Monthly premium: $435 to $930
Deductible: $250 to $750

Low Cost-Sharing PPO: A PPO with low cost-sharing is appropriate for employers willing to pay a higher premium, and employees who want a good range of provider choice, but want to pay less out of pocket when they visit a provider.

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?
	Somewhat Important They want comprehensive benefits, but need to minimize the cost of the premiums and out-of-pocket expenses if possible.
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 each time they visit a doctor.