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