Health coverage for individuals and families

Start with the network

A plan is only as useful as the providers it includes. Before comparing prices, we list the doctors, specialists and facilities you want to keep and check them against each plan's directory — not the carrier's overall reputation.

• PPO designs generally allow in- and out-of-network care, with a higher share of cost outside.
• EPO designs generally keep care in-network without a referral structure.
• Participation is plan-specific and changes over time, so it gets confirmed each time.

Then read the two prices

Every plan has a monthly price and a use price. Lower monthly cost usually moves risk to the point of care; higher monthly cost usually buys predictability. We show both so the trade is visible instead of implied.

What we check before recommending anything

The details that most often change a decision aren't on the summary page.

• Whether preventive and copay-based visits apply before the deductible.
• How prescriptions are tiered and what that means for your specific medication.
• Whether deductibles and out-of-pocket limits apply per person, per family, or both.
• What emergency and outpatient surgery cost sharing looks like in a bad year.