HealthSave plans typically have a higher deductible and a lower premium. If you choose a HealthSave plan, you can invest in a Health Savings Account (HSA) to pay for most health care expenses. This allows you to put tax-free money into an HSA to use for medical services and prescriptions. Because the money in an HSA carries over from year-to-year and you don’t have to substantiate claims, it’s great way to save—and pay—for health care expenses.
Benchmark plans may be a lower cost alternative than Traditional plans. They only cover Essential Health Benefits (EHBs) as defined by your state.
No-deductible Office Visit plans allow you to pay a copay instead of a percentage of your deductible when visiting doctors. Any copays you pay apply to your deductible and out-of-pocket maximum.
Limited Office Visit Waiver plans waive the deductible for all Primary Care Provider and Mental Health office visits. In addition, the first visit to an in-network urgent care clinic is not subject to the deductible on these plans.