An HMO with a low premium and a gatekeeper doctor against a PPO that lets you go anywhere

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A narrow network keeps the employer premium down and drops the specialist someone was seeing Two carriers on the same employer menu can cover different hospitals in the same city Moving staff to a high-deductible plan saves the employer money and shifts the first two thousand dollars A self-funded employer plan pays claims from company money and follows federal rules instead of state ones Dependent coverage on an employer plan usually runs to age 26 even when the child has a job A low premium with a high deductible suits a healthy twenty-five-year-old and ruins a family Dental and dependent coverage often follow the full-time line even where health coverage does not Two health plans covering one person: which pays first and which pays the rest A preventive visit stays free until the insurer codes the lab work as diagnostic Employers shop carriers every year and a plan people liked can vanish without a vote