2026 Open Enrollment Benefits Decision Guide
Medical Plans Comparison Plan Features
$ 750 Deductible Plan
$2,000 Deductible Plan
$3,000 Deductible Plan
HSA Eligible
No
Yes
Yes
Out-of Network In-Network
Out-of Network In-Network
Out-of- Network
Medical
In-Network
Annual Deductible Individual Family Annual Out-of-Pocket Max Individual Family
$750 $1,500
$2,250 $4,500
$2,000 $4,000
$4,000 $8,000
$3,000 $6,000
$6,000 $12,000
$3,500 $7,000
$7,000 $14,000
$4,000 $8,000
$8,000 $16,000
$7,000 $14,000
$11,000 $22,000
Coinsurance (after deductible)
20%
40%
20%
40%
30%
50%
Covered 100%
40% after deductible
Covered 100%
40% after deductible
Covered 100%
50% after deductible
Preventive Care
Office Visits Primary Specialist
$25 copay $40 copay
40% after deductible
20% after deductible $49 copay, then 20% after deductible 20% after deductible
40% after deductible
30% after deductible $49 copay, then 30% after deductible 30% after deductible
50% after deductible
Virtual Visits (LiveHealth Online)
$10 copay Not covered
Not covered
Not covered
40% after deductible
40% after deductible
50% after deductible
Urgent Care
$40 copay
$150 copay (waived if admitted)
Emergency Room
20% after deductible
30% after deductible
Retail Prescription Drugs (30-day supply) Tier 1 $10 copay 2
$10 copay $30 copay $60 copay
20% after deductible
20% after deductible
30% after deductible
30% after deductible
Tier 2 Tier 3
$30 copay 2 $60 copay 2
Mail-order Prescription Drugs (90-day supply) Tier 1 $20 copay 2
20% after deductible 3
30% after deductible 3
Tier 2 Tier 3
Not covered
Not covered
Not covered
$75 copay
$150 copay 1 If you cover family members, the entire family deductible must be met before the plan pays benefits for most services for any covered family member. Likewise, the entire family out-of-pocket maximum must be met before the plan pays 100% for eligible services for the remainder of the year. 2 Deductible does not apply. 3 No deductible is required for preventive maintenance medications.
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