Balance Plans - 2025

  • Balance plans provide additional cost savings for employers and feature our Heritage Signature network with over 37,400 doctors, clinics, and hospitals across the state.

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    We'll work with you to find the best health plan options for your employees and budget.

  • With the Balance plans employees receive lower copays when they designate and get care from a primary care provider (PCP).

    Balance Platinum

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    Platinum plans have the highest premiums, but the lowest costs when getting care. These plans are a good option for employees who have a lot of healthcare needs and are willing to pay more to have nearly all their costs covered.

    Deductible
    $250 - $500

    Out-of-pocket maximum
    $3,750

    PCP office visit
    $10 copay

    2 plans, by deductible

    $250

    $500

    Balance Gold

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    Gold plans have higher premiums, but lower costs when getting care. These plans are a good option for employees who have more healthcare needs.

    Deductible
    $500 - $2,500

    Out-of-pocket maximum
    $7,500 - $7,750

    PCP office visit
    $20-$25 copay

    5 plans, by deductible

    $500

    $1,000

    $1,500

    $2,000

    $2,500

    Balance Silver

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    Silver plans offer a balance between your premium cost and healthcare costs. These plans are a good option for employees who are looking for routine care coverage.

    Deductible
    $2,000 - $5,000

    Out-of-pocket maximum
    $8,200 - $8,550

    PCP office visit
    $40 copay

    3 plans, by deductible

    $2,000

    $3,000

    $5,000

    Balance Bronze

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    Bronze plans have lower premiums, but higher costs when getting care. These plans are a good option for employees who don't have a lot of healthcare needs.

    Deductible
    $6,500

    Out-of-pocket maximum
    $9,100

    PCP office visit
    $60 copay

    1 plan, by deductible

    $6,500

    Balance EPO Bronze

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    This is an exclusive provider organization (EPO) plan, which offers lower premiums in exchange for a more moderate choice in healthcare providers.

    Deductible
    $8,550

    Out-of-pocket maximum
    $8,550

    PCP office visit
    Pay 100% until deductible is met, then cost percentage (coinsurance).

    1 plan, by deductible

    $8,550

    Health plans paired with an employee-owned, tax-advantaged health savings account (HSA). HSAs give employees more control over their healthcare expenses and decisions.

    Balance HSA 1650 Gold

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    Gold plans have higher premiums, but lower costs when getting care. These plans are a good option for employees who have more healthcare needs.

    Deductible
    $1,650

    Out-of-pocket maximum
    $5,000

    PCP office visit
    Pay 100% until deductible is met, then a percentage cost percentage (coinsurance).

    1 plan, by deductible

    $1,650

    Balance HSA 3300 Silver

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    Silver plans offer a balance between your premium cost and healthcare costs. These plans are a good option for employees who are looking for routine care coverage.

    Deductible
    $3,300

    Out-of-pocket maximum
    $7,500

    PCP office visit
    Pay 100% until deductible is met, then a percentage cost percentage (coinsurance).

    1 plan, by deductible

    $3,300

    Balance HSA 8000 Bronze

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    Bronze plans have lower premiums, but higher costs when getting care. These plans are a good option for employees who don't have a lot of healthcare needs.

    Deductible
    $8,000

    Out-of-pocket maximum
    $8,300

    PCP office visit
    Pay 100% until deductible is met, then a percentage cost percentage (coinsurance).

    1 plan, by deductible

    $8,000

    With medical and dental coverage combined, your employees benefit from an easy experience: one ID card, one customer service number, and one online account for managing all their healthcare needs.

    Balance Gold + Family Dental

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    Gold plans have higher premiums, but lower costs when getting care. These plans are a good option for employees who have more healthcare needs.

    Deductible
    $500 - $1,000

    Out-of-pocket maximum
    $7,500

    PCP office visit
    $25 copay

    2 plans, by deductible

    $500

    $1,000

    Balance Silver + Family Dental

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    Silver plans offer a balance between your premium cost and healthcare costs. These plans are a good option for employees who are looking for routine care coverage.

    Deductible
    $2,000

    Out-of-pocket maximum
    $8,550

    PCP office visit
    $40 copay

    1 plan, by deductible

    $2,000

    Balance HSA-Qualified Silver + Family Dental

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    Health plans paired with an employee-owned, tax-advantaged health savings account (HSA). HSAs give employees more control over their healthcare expenses and decisions.

    Deductible
    $3,300

    Out-of-pocket maximum
    $7,500

    PCP office visit
    Pay 100% until deductible is met, then a percentage cost percentage (coinsurance).

    1 plan, by deductible

    $3,300

  • Get a quote for your business

    We'll work with you to find the best health plan options for your employees and budget.

    Request a quote