Health Insurance Comparison Center
Side-by-side comparisons of the decisions that come up in every shopping conversation. Each comparison links to the full guide.
PPO vs HMO
PPO gives you broader networks, no referrals, and partial out-of-network coverage — for a higher premium. HMO gives you a narrower network and required referrals for a lower monthly cost.
Open comparisonMarketplace vs Private PPO
Marketplace plans can be heavily subsidized based on income. Private PPO plans skip the Marketplace, are usually available year-round, and often have broader networks — but no subsidy.
Open comparisonEmployer Coverage vs Individual Coverage
Employer coverage is typically the easiest and cheapest — until the employer contribution is small, the network is limited, or the plan doesn't fit your family. Individual coverage puts you in full control.
Open comparisonBronze vs Silver vs Gold
Metal tiers describe how a plan splits costs between you and the insurer. Bronze = lowest premium, highest out-of-pocket. Gold = highest premium, lowest out-of-pocket. Silver is special on the Marketplace.
Open comparisonHSA vs FSA
Both are pre-tax accounts for medical spending. An HSA is yours forever, grows tax-free, and requires an HSA-eligible plan. An FSA is employer-owned and typically forfeited if unused.
Open comparisonDeductible vs Copay vs Coinsurance vs Out-of-Pocket Max
These four numbers appear on every plan summary. Deductible is what you pay first. Copays are flat fees. Coinsurance is a percentage after the deductible. The out-of-pocket max is your worst case for the year.
Open comparisonReady for personalized guidance?
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