Effective Plan Dates: Jan 1, 2026 — Dec 31, 2026

Which Medical Plan is Right?

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Medical Plan Comparison

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**SAMPLE DATA ONLY**Silver HDHPGold HDHP
In NetworkOut of Network**In NetworkOut of Network**
SAMPLE
Annual Deductible

(Individual/Family)
$4,000 / $6,750$4,000 / $6,750$2,000 / $4,00$2,000 / $4,000
Coinsurance20% after deductible40% after deductible20% after deductible40% after deductible
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Annual Out-of-Pocket Maximum

(Individual/Family)
$6,750 / $13,500$6,750 / $13,500$4,750 / $6,750$4,000 / $6,750
SAMPLE
Contribution to Health Savings Account

(Individual/Family)
NONE$700 / $1,400
Preventive CareFREE40% after deductibleFREE40% after deductible
Physician Office Visit20% after deductible40% after deductible20% after deductible40% after deductible
Urgent Care20% after deductible40% after deductible20% after deductible40% after deductible
Emergency Room20% after deductible20% after deductible
Inpatient and Outpatient Services20% after deductible40% after deductible20% after deductible40% after deductible

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High Deductible Health Plan with HSA

Preferred Provider Organizations (PPO)