Comparison
Three plans, side-by-side
Sample plans for a 25-employee group in the Northeast. Hover any to see a plain-English explanation.
Your priorityBalanced, most groups should look at BCBS Gold PPO first.
Lower premiumBalancedLower deductible
Compare
UnitedHealthcare
UHC Surest
Copay-based · Fully insured
Best fit
Blue Cross Blue Shield
BCBS Gold PPO
PPO · Fully insured
UnitedHealthcare
UHC Silver HMO
HMO · Fully insured
Monthly premium
$585/employee
$498/employee
$445/employee↓ Lowest
Deductible
$0
$1,500
$3,500
Out-of-pocket max
$5,000
$4,500
$7,200
Coinsurance
N/A · copay-based
20%
30%
Network
UHC Choice Plus
Broad PPO
HMO (Tier 1 only)
RX coverage
3-tier · integrated
4-tier · integrated
3-tier · integrated
Best fit
Predictability-focused teams
Most mid-size groups
Local team, no travel needs