Skip to main content

2019 Individual Health Plan Price Comparison Tool

Loading...
 ​

Disclaimers

  • This tool is intended to be used to increase the efficiency of comparing plans and the total cost of coverage. It does not address every claims payment situation and is not a substitute for coverage detailed in the insurance policy. For specific policy questions, contact the insurer.
  • Premiums may be off a few dollars due to rounding. To determine exact premium, contact the insurer.
  • Premiums are for non-tobacco users. Tobacco users are generally charged a higher premium. To determine exact premium, contact the insurer.
  • Kaiser plans do not cover the entire counties of Linn, Benton, Lane, or Hood River. To determine service area for those partial counties, contact the insurer.
  • Providence Connect plans do not cover the entire county of Yamhill. To determine service area for the partial counties, contact the insurer.

Definitions

  • There are four categories (metal tiers): Catastrophic, Bronze, Silver, and Gold. They are based on how you and your insurance plan split costs and have nothing to do with quality of care.
  • You can purchase plans on-exchange or off-exchange. On-exchange means those plans that are available only on HealthCare.gov. If you qualify for a subsidy, and choose to use it on your health plan, then you will want to shop on-exchange. Off-exchange means those plans that are available in the open market, directly through an insurer.
  • MOOP (maximum-out-of-pocket) is the most you will have to pay during a policy period (usually a year) for health care services. Once you have reached your out-of-pocket maximum, your plan begins to pay 100 percent of the allowed amount for covered services. The out-of-pocket limit does not include your monthly premiums. It also does not include anything you may spend for services your plan does not cover.
  • The deductible is the amount you pay for covered health care services before your insurance plan starts to pay. For example, with a $2,000 deductible, you pay the first $2,000 of covered services yourself. After you pay your deductible, you usually pay only a co-payment or co-insurance for covered services. Your insurance company pays the rest.
  • PCP Co-pay/Co-insurance is the amount you will pay to visit your primary care provider.
  • Specialist Co-pay/Co-insurance is the amount you will pay to visit a specialist for covered care.
  • In/Outpatient Surgery/Facility is the amount you will pay for covered inpatient or outpatient surgery.
  • Premium is the monthly amount that you must pay for the insurance policy.

Your browser is out-of-date! It has known security flaws and may not display all features of this and other websites. Learn how

×