Compare health plans to learn the basics

We offer a variety of HMO and PPO plans to fit your budget. All of our plan types focus on preventive care and reducing your health care costs.

Our health plans that work harder for individuals and families

Individual Gold plans	HMO HSA D34 Henry Ford Health Select HMO HSA D34 PPO HSA D34
Deductible (individual/ family)	$3,400/$6,800
Coinsurance	0%
Out-of-pocket limit	$3,400/$6,800
Telehealth/ PCP/ specialty visit	Telehealth: covered after deductible PCP: covered after deductible Specialist: covered after deductible
Emergency room/ urgent care	Covered after deductible
Prescription copay (generic drug purchased at a preferred pharmacy)	Covered after deductible

Individual Silver Plans	HMO D35 Henry Ford Health Select HMO D35 PPO D35	HMO F55 Henry Ford Health Select HMO F55 PPO F55
Deductible (individual/ family)	$3,500/$7,000	$5,500/$11,000
Coinsurance	30%	40%`
Out-of-pocket limit	$10,150/$20,300	$10,150/$20,300
Telehealth/ PCP/ specialty visit	$0/$40/$55	$0/$40/$65
Emergency room/ urgent care	ER:30% coinsurance after deductible UC:$65	ER:40% coinsurance after deductible UC:$75
Prescription copay (generic drug purchased at a preferred pharmacy)	$10	$10

Individual Bronze plans	HMO H7 Henry Ford Health Select HMO H7 PPO H7	HMO HSA J86 EMB Henry Ford Health Select HMO HSA J86 EMB PPO HSA J86 EMB	HMO K92 Henry Ford Health Select HMO K92 PPO K92
Deductible (individual/ family)	$7,000 / $14,000	$8,600/$17,200	$9,200/$18,400
Coinsurance	40%	0%	0%
Out-of-pocket limit	$11,000/$22,000	$8,600/$17,200	$10,150/$20,300
Telehealth/ PCP/ specialty visit	$0/$55/$85	Covered after deductible	$0/$50/ covered after deductible
Emergency room/ urgent care	40% coinsurance after deductible	Covered after deductible	Covered after deductible
Prescription copay (generic drug purchased at a preferred pharmacy)	$10	Covered after deductible	$10

Catastrophic plans *Plans are available only to individuals under the age of 30, unless they qualify for a hardship exemption.	HMO Catastrophic N12 Henry Ford Health Select HMO Catastrophic N12 PPO Catastrophic N12
Deductible (individual/ family)	$12,000/$24,000
Coinsurance	0%
Out-of-pocket limit	$12,000/$24,000
Telehealth/ PCP/ specialty visit	Telehealth: covered after deductible PCP: Fully covered for first three visits, all other visits covered after deductible Specialist: covered after deductible
Emergency room/ urgent care	Covered after deductible
Prescription copay (generic drug purchased at a preferred pharmacy)	Covered after deductible

HMO Network Coverage Area:

HMO network – you must reside and seek care in the counties above

PPO Network Coverage Area:

PPO network – Members with a PPO Individual plan can seek care through our statewide PPO network in Michigan and northwest Ohio*.

*Seven counties in northwest Ohio: Defiance, Fulton, Henry, Lucas, Ottawa, Williams and Wood.

Explore affordable health plans for any age, life stage or family size.

Search for doctors, specialists or an OB-GYN in our network.

Learn more about our history and commitment to improving the health and well-being of our local community.