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About Health Insurance
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How to Shop For Health Insurance Plans

Shopping for health insurance is much easier when you know what questions to ask. We can help you figure out what type of plan you want, how to find a balance of cost and coverage, and what other benefits you should consider.

How Do I Choose the Right Plan?

Platinum, Gold, Silver, Bronze, or Catastrophic Coverage

The best way to shop for health insurance is to get a better understanding of the plans that are available. The Affordable Care Act requires all plans to be organized by the level of coverage they offer — platinum, gold, silver, or bronze. Plus, there is a catastrophic plan that is available for people under 30 or those who qualify for a special exemption. All plans cover the same essential health benefits, but the difference is what you pay in monthly premium and out-of-pocket costs when you need care.

 

Platinum

Gold

Silver

Bronze

Catastrophic

Monthly premium

$$$$$

$$$$

$$$

$$

$

Cost when you receive care

$

$$

$$$

$$$$

$$$$$

Good option if you...

Tend to use a lot of health care services

Want to save on monthly premium, but still keep your out-of-pocket costs low

Need to balance your monthly premium with your out-of-pocket costs

Don’t use a lot of health care services

Meet the requirements and need “just-in-case coverage”

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Don’t forget that you may be eligible for a subsidy to help you pay for your health insurance premium, out-of-pocket costs, or both. Check our subsidy calculator to see if you may be eligible.

HMO, PPO, and Other Types of Health Plans

We offer four main types of plans to choose from — traditional HMO and PPO options, plus a unique version of each: HMO Proactive with a tiered network and PPO Reserve with a health savings account (HSA).

All of our plans offer you the widest choice for quality care in the region, with more than 46,000 doctors and 160 hospitals to choose from. PPO plans are great if you want a little more freedom and flexibility, while HMO plans may give you a lower premium, since you choose a primary care physician (PCP) to coordinate your care and refer you to specialists.

Here’s a look at some of the differences between each plan:

 

HMO

HMO Proactive with a tiered network

PPO

PPO Reserve with an HSA

In-network coverage

X

X

X

X

Out-of-network coverage

X

X

Coast-to-coast coverage with BlueCard® PPO

X

X

Requires selection of a primary care physician

X

X

No referrals needed for specialists

X

X

Includes a tiered network so you can choose when to save on care

X

Option of opening a tax-advantaged HSA

X

Scroll or swipe to reveal all table data.