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For groups of 51-99 employees


Most employees enrolled in a QHDHP are eligible to open a Health Savings Account (HSA), a type of savings account to pay qualified medical expenses. This HSA can be funded by a combination of employer and/or employee contributions – both contribution types are tax deductible.

Funding options are flexible too. Employers can allow employees to elect to deposit money into an HSA via payroll deduction. The HSA funds can be used to pay for immediate or future health care expenses such as deductible, copays and coinsurance, or medical expenses that aren't covered by the plan. The list of qualified medical expenses that can be paid with an HSA is determined by the IRS and can be found in IRS Publication 502.

Employees can also let their HSA dollars accumulate. These funds earns interest, tax free. When money is needed to pay medical expenses, the withdrawals are also tax free. Highlights:

  • Lower premiums compared to many fully-insured medical plans.
  • Employer contributions are exempt from federal and FICA taxes.
  • Employee contributions in a given year are a 100% write-off against income taxes.
  • Deductible is reached through combined medical and prescription costs, not separate totals.

D = Deductible

D/20% = Deductible applies first, then 20% coinsurance

D/$ = Deductible applies first, then a copay

2024 plans

Two-tier plans HRA option Deductibles1 Coinsurance Out-of-pocket max PCP Specialist Emergency room
QHDHP PPO 2000/0/02 No

$2,000

0% $6,900 D D D/$250
QHDHP PPO 2750/0/02 No

$2,750

0% $6,900 D D D/$250
QHDHP-E PPO 3200/0/03 No

$3,200

0% $6,900 D D D/$250
QHDHP PPO 3500/0/02 No

$3,500

0% $6,900 D D D/$250
QHDHP-E PPO 3500/20/03 No

$3,500

20% $6,900 D/20% D/20% D/20%
QHDHP-E PPO 4000/0/03 No

$4,000

0% $6,900 D D D/$250
QHDHP PPO 4500/0/02 No

$4,500

0% $6,900 D D D/$250
QHDHP-E PPO 5000/0/03 No

$5000

0% $6,900 D D D/$250
QHDHP PPO 5500/0/02 Yes

$5,500

0% $6,900 D D D/$250
QHDHP-E PPO 6900/0/03 No

$6,900

0% $6,900 D D D
QHDHP-E PPO 7500/0/03 Yes

$7,500

0% $7,500 D D D
Three-tier plans HRA option Deductibles1 Coinsurance Out-of-pocket max PCP Specialist Emergency room
QHDHP PPO Choice Select 2000/0/02 No

C1 -$2,000

C2 - $4,000

C1 - 0%

C2 - 20%

$7,000

C1 - D

C2 - D/20%

C1 - D

C2 - D/20%

D/$250
QHDHP PPO Choice Select 3500/0/02 No

C1 -$3,500

C2 - $7,000

C1 - 0%

C2 - 20%

$7,500

C1 - D

C2 - D/20%

C1 - D

C2 - D/20%

D/$250
QHDHP PPO Choice 2000/0/02 No

C1 -$2,000

C2 - $4,000

C1 - 0%

C2 - 20%

$7,000

C1 - D

C2 - D/20%

C1 - D

C2 - D/20%

D/$250
QHDHP PPO Choice 3500/0/02 No

C1 -$3,500

C2 - $7,000

C1 - 0%

C2 - 20%

$7,500

C1 - D

C2 - D/20%

C1 - D

C2 - D/20%

D/$250
QHDHP Performance PPO 2000/0/02 No

PP -$2,000

PS - $4,000

PP - 0%

PS - 20%

$7,000

PP - D

PS - D/20%

PP - D

PS - D/20%

D/$250
QHDHP Performance PPO 3500/0/02 No

PP -$3,500

PS - $7,000

PP - 0%

PS - 20%

$7,500

PP - D

PS - D/20%

PP - D

PS - D/20%

D/$250

2023 plans

Plan HRA option Deductibles1 Coinsurance Out-of-pocket max PCP Specialist Emergency room
QHDHP PPO 2000/0/02 No

$2,000

0% $6,900 D D D/$250
QHDHP PPO 2750/0/02 No

$2,750

0% $6,900 D D D/$250
QHDHP-E PPO 3000/0/03 No

$3,000

0% $6,900 D D D/$250
QHDHP PPO 3500/0/02 Yes

$3,500

0% $6,900 D D D/$250
QHDHP PPO 3500/20/02 No

$3,500

20% $6,900 D/20% D/20% D/20%
QHDHP-E PPO 4000/0/03 No

$4,000

0% $6,900 D D D/$250
QHDHP PPO 4500/0/02 Yes

$4,500

0% $6,900 D D D/$250
QHDHP PPO 5500/0/02 Yes

$5,500

0% $6,900 D D D/$250
QHDHP-E PPO 6900/0/03 Yes

$6,900

0% $6,900 D D D
QHDHP PPO Choice Select 2000/0/02 No

C1 -$2,000

C2 - $4,000

C1 - 0%

C2 - 20%

$7,000

C1 - D

C2 - D/20%

C1 - D

C2 - D/20%

D/$250
QHDHP PPO Choice Select 3500/0/02 No

C1 -$3,500

C2 - $7,000

C1 - 0%

C2 - 20%

$7,500

C1 - D

C2 - D/20%

C1 - D

C2 - D/20%

D/$250
QHDHP PPO Choice 2000/0/02 No

C1 -$2,000

C2 - $4,000

C1 - 0%

C2 - 20%

$7,000

C1 - D

C2 - D/20%

C1 - D

C2 - D/20%

D/$250
QHDHP PPO Choice 3500/0/02 No

C1 -$3,500

C2 - $7,000

C1 - 0%

C2 - 20%

$7,500

C1 - D

C2 - D/20%

C1 - D

C2 - D/20%

D/$250
QHDHP Performance PPO 2000/0/02 No

PP -$2,000

PS - $4,000

PP - 0%

PS - 20%

$7,000

PP - D

PS - D/20%

PP - D

PS - D/20%

D/$250
QHDHP Performance PPO 3500/0/02 No

PP -$3,500

PS - $7,000

PP - 0%

PS - 20%

$7,500

PP - D

PS - D/20%

PP - D

PS - D/20%

D/$250

1Deductible shown is for a single plan. Family deductible is two times the single deductible.

2 The deductible on the family plan is non-embedded. If there is only one person enrolled on the plan, the Single deductible amount applies. If there are two or more members on the plan, the full Family deductible must be met before the plan begins to pay.

3 For the plans designated as "QHDHP-E," the deductible on the family plan is embedded. If there is only one person enrolled on the plan, the Single deductible amount applies. If there are two or more members on the plan, any member on the plan is still only responsible for the Single deductible amount. Once the Family amount is met, no more deductible will be charged for that benefit period for any member on the contract.