Funding typeFully Insured
NetworkNorthwell + National Tier 2 PPO
Deductible$0–$6k
HSA CompatibleNo
Preventive CareYes
Prescription DrugsYes
Hospital CoverageYes
Potential Claims Surplus RefundNo
Ideal Employer Size1+
Available States50
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Major Medical & Association Health Plans
Funding typeFully Insured
NetworkCigna
Deductible$1k–$6k
HSA CompatibleYes
Preventive CareYes
Prescription DrugsYes
Hospital CoverageYes
Potential Claims Surplus RefundNo
Ideal Employer Size1+
Available States50
Funding typeFully Insured
NetworkPHCS
Deductible$0–$6k
HSA CompatibleYes
Preventive CareYes
Prescription DrugsYes
Hospital CoverageYes
Potential Claims Surplus RefundNo
Ideal Employer Size1+
Available States50
Level Funded Plans
Funding typeLevel Funded
NetworkNational PPO or RBP
Deductible$1k–$5k
HSA CompatibleYes
Preventive CareYes
Prescription DrugsYes
Hospital CoverageYes
Potential Claims Surplus RefundYes
Ideal Employer Size5–250
Available States50
Funding typeSelf Funded
NetworkNational PPO or RBP
Deductible$0–$6k
HSA CompatibleYes
Preventive CareYes
Prescription DrugsYes
Hospital CoverageYes
Potential Claims Surplus RefundYes
Ideal Employer Size50+
Available States50
Carrier Plans
Funding typeFully Insured
NetworkAetna
Deductible$1k–$6k
HSA CompatibleYes
Preventive CareYes
Prescription DrugsYes
Hospital CoverageYes
Potential Claims Surplus RefundNo
Ideal Employer Size2+
Available States50
Funding typeFully Insured
NetworkBlueCard
Deductible$1k–$6k
HSA CompatibleYes
Preventive CareYes
Prescription DrugsYes
Hospital CoverageYes
Potential Claims Surplus RefundNo
Ideal Employer Size2+
Available States50
Funding typeFully Insured
NetworkUHC
Deductible$1k–$6k
HSA CompatibleYes
Preventive CareYes
Prescription DrugsYes
Hospital CoverageYes
Potential Claims Surplus RefundNo
Ideal Employer Size2+
Available States50
ACA Compliance Plans — MEC & MVP
Funding typeFully Insured
NetworkPHCS
DeductibleN/A
HSA CompatibleNo
Preventive CareYes
Prescription DrugsDiscount
Hospital CoverageNo
Potential Claims Surplus RefundNo
Ideal Employer Size15+
Available States50
Funding typeSelf Funded
NetworkPHCS
DeductibleN/A
HSA CompatibleNo
Preventive CareYes
Prescription DrugsOptional
Hospital CoverageNo
Potential Claims Surplus RefundNo
Ideal Employer Size5+
Available States50
Funding typeFully Insured
NetworkPHCS
DeductibleN/A
HSA CompatibleNo
Preventive CareYes
Prescription DrugsOptional
Hospital CoverageYes
Potential Claims Surplus RefundNo
Ideal Employer Size5+
Available States50
Funding typeFully Insured
NetworkPHCS
DeductibleN/A
HSA CompatibleNo
Preventive CareYes
Prescription DrugsOptional
Hospital CoverageYes
Potential Claims Surplus RefundNo
Ideal Employer Size5+
Available States50
ACA Penalty Prevention
Funding typeFully Insured
NetworkPHCS
DeductibleN/A
HSA CompatibleNo
Preventive CareYes
Prescription DrugsNo
Hospital CoverageNo
Potential Claims Surplus RefundNo
Ideal Employer Size15 Ghost lives
Available States50
Funding typeFully Insured
NetworkPHCS
DeductibleN/A
HSA CompatibleNo
Preventive CareYes
Prescription DrugsYes
Hospital CoverageYes
Potential Claims Surplus RefundNo
Ideal Employer Size15 Ghost lives
Available States50
Telemedicine & Smart Hospital Saver
Funding typeSubscription
NetworkCirrusMD virtual
DeductibleN/A
HSA CompatibleNo
Preventive Care (virtual via CirrusMD only)$15/mo
Prescription DrugsNo
Hospital CoverageNo
Potential Claims Surplus RefundNo
Ideal Employer Size1+
Available States50
Funding typeSubscription
NetworkGoodbill + CirrusMD
DeductibleN/A
HSA CompatibleNo
Preventive Care (virtual via CirrusMD only)$25/mo
Prescription DrugsNo
Hospital CoverageNo
Potential Claims Surplus RefundNo
Ideal Employer Size1+
Available States50
Employer Dental & Vision
ProgramsEmployer group dental & vision
Dental networksPPO / Premier, depending on plan
VisionWhere locally available
AvailabilityConfirm by state and group