Major Medical
Choose from 100’s of health insurance options that meet the family health needs. Use our online quoting system to find a family health plan use the link below to compare all the options available to you.
Common Insurance Carriers
Major Medical Plans
Plans that cover a wide range of healthcare needs for the family
Pros
Cons
Pros
Most healthcare needs are met under this plan
Wide range of healthcare providers to choose from
May qualify for Reduced monthly cost based on income level
Cons
May be fairly expensive with high monthly cost
Must use in-network providers except for emergencies
May have a high deductible with a lot of out-of-pocket costs for routine medical visits
Need to enroll during open enrollment period or have a qualifying life event
HSA Health Plans
Plans that meet Health Saving Accounts requirements and allow for you to contribute up to $7,300 (Plan year 2022) to a family HSA
Pros
Cons
Pros
Like a traditional healthcare plan most healthcare needs are met under this plan
If it is a qualifying High-deductible Health plan you are eligible to contribute pre-tax dollars to an HSA.
Great long-term strategy to build a personal medical emergency fund
Cons
May be fairly expensive with high monthly cost
Healthcare expenses will be applied to the deductible which will result in a lot of out-of-pocket costs
Need to enroll during open enrollment period or have a qualifying life event
Catastrophic Health Insurance Plans
For those worried about catastrophic scenarios and want to cover the whole family
Pros
Cons
Pros
Great for those that are worried about major health event like Hospitalization, Surgery, or ICU
Offers a lot of flexibility in enrollment and time period of coverage
Will be far less expensive monthly compared to a traditional healthcare plan
Can be paired with other strategies like Direct Primary Care
Cons
Not great for those needing routine medical care
Must use in-network providers except for emergencies
Have high deductibles ranging from $2,500 to $15,000
Healthcare Memberships
For those needing fixed costs and affordable routine primary care, imaging, labs, or emergency care
Pros
Cons
Pros
Fixed monthly costs with included medical services with primary care, labs, imaging, and 24/7 emergency care
Offers a lot of flexibility in enrollment and immediate access to services
Will be far less expensive monthly compared to a traditional healthcare plan
Can be paired with other strategies like Catastrophic health insurance
Cons
Limited to geography or locations to one provider or healthcare system
Does not cover large medical events like hospitalization or surgery