• High Deductible 5000 (HSA Compatible)Vimo Editorial Profile
  
  Aetna's High Deductible 5000 plan is another easy-to-understand HDHP. Basically, Aetna will pay 100 percent of covered expenses after you burn through your $5,000 deductible. This means that, in the event of an accident, you won't have to worry about coinsurance or co-payments after you've spent your deductible. Granted, it is a very high deductible.
• MC 5000 with DentalVimo Editorial Profile
  
  Aetna's MC 5000 plan already has a high, high deductible of $5,000. But watch out for the out-of-pocket maximum (OOPM), which reaches $8,000. You'll pay 30 percent of health care expenditures after the deductible until you've reached the $8,000 OOPM amount.
• MC Value Plan 1500Vimo Editorial Profile
  
  Aetna's MC Value Plans are available with $1500, $2500 and $5000 deductibles. If you compare these MC Value plans with the standard MC Plans with the same deductibles, you'll notice the Value versions have higher out-of-pocket expenses, along with more "value" in terms of lower premiums.
• MC Value Plan 2500Vimo Editorial Profile
  
  Aetna of California has three MC Value Plans, with $1500, $2500 and $5000 deductibles. If you compare these MC Value plans with the standard MC Plans with the same deductibles, you'll notice the Value versions have higher out-of-pocket expenses, along with more "value" in terms of lower premiums.
• MC Value Plan 5000Vimo Editorial Profile
  
  Aetna of California has three MC Value Plans, with $1500, $2500 and $5000 deductibles. If you compare these MC Value plans with the standard MC Plans with the same deductibles, you'll notice the Value versions have higher out-of-pocket expenses, along with more "value" in terms of lower premiums.
• PPO 5000Vimo Editorial Profile
  
  Aetna’s PPO 5000 plan offers excellent coverage for a high-deductible plan, even delivering benefits for non-specialist doctor visits beforeyou’ve spent more than your deductible. In other words, after your plan goes into effect, you can have a standard doctor visit for just a $40 copay. Visiting a specialist is $50.
• Preventative and Hospital Care 1250Vimo Editorial Profile
  
  A plan with relatively low premiums and a relatively low deductible, Preventative and Hospital Care 1250 is, unlike the similar Preventative and Hospital Care 3000, not compatible with Health Savings Accounts (HSAs).
• Preventative and Hospital Care 3000 (HSA Compatible)Vimo Editorial Profile
  
  A plan that’s compatible with Health Savings Accounts (HSAs), Preventative and Hospital Care 3000 has rock-bottom premiums and a high deductible ($3,000). The idea behind the plan is that you sock away $3,000 in pretax dollars in an HSA, which would be spent toward the deductible before benefits kick in.

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• BC Life & Health Basic PPO 1000Vimo Editorial Profile
  
  Blue Cross of California's Basic PPO is one of the cheapest that BC offers in the Golden State, so benefits are limited. There are no prescription benefits and office visits are covered only after you have burned through the $1,500 annual deductible and an additional $2,500 in coinsurance to reach the out-of-pocket maximum (OOPM). Hospital expenses, however, are covered after the deductible, but include a 20% fee charged to you (until you've spent your OOPM).
• BC Life & Health Basic PPO 2500Vimo Editorial Profile
  
  Blue Cross of California's Basic PPO is one of the cheapest that BC offers in the Golden State, so benefits are limited. There are no prescription benefits and office visits are covered only after you have burned through the $2,500 annual deductible and an additional $2,500 in coinsurance to reach the out-of-pocket maximum (OOPM). Hospital expenses, however, are covered after the deductible, but include a 20% fee charged to you (until you've spent your OOPM).
• Basic PPO Saver PlanVimo Editorial Profile
  
  This is the absolute cheapest of the Blue Cross Basic PPO plans, with a sky-high $5,000 deductible. But this offers some additional pre-deductible benefits that the non-Saver plans don't.
• CORE 5000Vimo Editorial Profile
  
  If you want catastrophic coverage for a miniscule premium, the Core 5000 delivers a bare-bones policy from one of the best healthcare networks in California: Blue Cross.
• Lumenos 1500 100Vimo Editorial Profile
  
  As affordable health insurance plans go, the Lumenos HSA is exactly kind of plan that more Americans should be signing up for because it’s custom built for use with a Health Savings Account (HSA). While many people complain about the rising costs of insurance premiums, a plan like this really makes healthcare affordable again. Lumenos HSA has been available in California since 2007.
• Lumenos HIAVimo Editorial Profile
  
  As affordable health insurance plans go, the Lumenos HSA is exactly kind of plan that more Americans should be signing up for because it’s custom built for use with a Health Savings Account (HSA). While many people complain about the rising costs of insurance premiums, a plan like this really makes healthcare affordable again. Lumenos HSA has been available in California since 2007.
• Lumenos HSA 1500 70Vimo Editorial Profile
  
  As affordable health insurance plans go, the Lumenos HSA is exactly kind of plan that more Americans should be signing up for because it’s custom built for use with a Health Savings Account (HSA). While many people complain about the rising costs of insurance premiums, a plan like this really makes healthcare affordable again. Lumenos HSA has been available in California since 2007.
• PPO 3500 HSA Compatible PlanVimo Editorial Profile
  
  Blue Cross of California's PPO HSA Compatible Plan is one of the cheapest that BC offers in the Golden State, so benefits are non-existent – until you burn through your $3,500 deductible. Then you'll pay $0 for most covered services. Unlike some high-deductible plans on the market, it also merges your medical and pharmacy deductibles, so every time you purchase prescription drugs, the cost applies toward your deductible. The best thing about the plan, however, is that it enables you to open a Health Savings Account (HSA).
• Right Plan PPO 40Vimo Editorial Profile
  
  One of Blue Cross of California's many lower cost PPO plan, the PPO 40 is only available to singe adults – not families. It also has the lowest deductible of BC's PPO plans: $0. But it comes with a high coinsurance percentage of 40 percent, hence the "40" in its name. But the benefits mirror those of other, high-deductible PPO plans. The plan has an out-of-pocket maximum of $7,500.
• Share 1000 PlanVimo Editorial Profile
  
  One huge benefit of Share 1000 that really sets it apart from other BC offerings across the board is that it includes maternity coverage. If you're a woman who thinks there's even a chance that you'll become pregnant in the next couple of years, maternity coverage is a must, as the hospital bill for having a baby can be in the tens of thousands.
• Share 1500 PlanVimo Editorial Profile
  
  One huge benefit of this plan that really sets it apart from other BC offerings across the board is that it includes maternity coverage. If you're a woman who thinks there's even a chance that you'll become pregnant in the next couple of years, maternity coverage is a must, as the hospital bill for having a baby can be in the tens of thousands.
• Share 2500 PlanVimo Editorial Profile
  
  One huge benefit of this plan that really sets it apart from other BC offerings across the board is that it includes maternity coverage. If you're a woman who thinks there's even a chance that you'll become pregnant in the next couple of years, maternity coverage is a must, as the hospital bill for having a baby can be in the tens of thousands.
• Share 500 PlanVimo Editorial Profile
  
  One of the lowest deductible Blue Cross of California PPO plans, this shares a lot in common with the other Share plans in BC's California roster. One huge benefit of this plan that really sets it apart from other BC offerings across the board is that it includes maternity coverage. If you're a woman who thinks there's even a chance that you'll become pregnant in the next couple of years, maternity coverage is a must, as the hospital bill for having a baby can be in the tens of thousands.

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• Active Start 25Vimo Editorial Profile
  
  Blue Shield of California introduced five health plans with the name "Spectrum PPO Plan" targeting healthy, young customers who want insurance but don't anticipate being sick or injured anytime soon.
• Active Start Plan 35Vimo Editorial Profile
  
  With low copayments for doctor's visits, the Active Start Plan lets you see a doctor even before spending a large deductible. In fact, Active Start doesn't have a deductible. But don't let the "no deductible" on the plan brochure have you think you won't bear considerable out of pocket expenses in the event of a medical emergency. The Active Start Plan 35 has an individual copayment maximum of $7,500, while Active Start 25's maximum is $6,000. Both plans feature high coinsurance rates of 40%, meaning you will pay 40% of ambulance, x-rays, lab work, and hospital inpatient care until you burn through your copayment maximum.
• Shield Spectrum PPO 1500Vimo Editorial Profile
  
  Blue Shield of California introduced five health plans with the name "Spectrum PPO Plan" targeting healthy, young customers who want insurance but don't anticipate being sick or injured anytime soon.
• Shield Spectrum PPO 2000Vimo Editorial Profile
  
  Blue Shield of California introduced five health plans with the name "Spectrum PPO Plan" targeting healthy, young customers who want insurance but don't anticipate being sick or injured anytime soon.
• Shield Spectrum PPO 5000Vimo Editorial Profile
  
  Blue Shield of California introduced five health plans with the name "Spectrum PPO Plan" targeting healthy, young customers who want insurance but don't anticipate being sick or injured anytime soon.
• Vital Shield 2900Vimo Editorial Profile
  
  The name "Vital Shield" is apt, because this plan's primary mission is to give you coverage in the event of a catastrophic medical emergency. But the plan also offers some other basic benefits and a deductible ($2,900) that's lower than some of the other high-deductibles you'll see on the market. But beware of the co-payment maximum, which is a sky high $5,900.

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• NetSaver 1500Vimo Editorial Profile
  
  The NetSaver 1500 has a lower deductible than some similarly priced high deductible plans on the market, such as the Nationwide PPO Choice Saver Select, but does feature higher coinsurance. After you've burned through your deductible, you'll pay 25 percent of most of your fees until your out-of-pocket-maximum (OOPM) of $4,000 is reached. Then the plan covers 100 percent.
• PPO Simple Choice 50Vimo Editorial Profile
  
  With a lifetime maximum benefit is $6,000,000 per member, Health Net's Simple Choice plan is built to withstand any medical emergency you or your family faces – with the notable exception of an unexpected pregnancy. Maternity coverage is not included in the plan.
• PPO ValueChoice 1500Vimo Editorial Profile
  
  Health Net's PPO ValueChoice 1500 is similar to their Saver 1500, with the same deductible -- but ValueChoice provides prescription drug benefits, something the Net Saver doesn't do.
• SimpleChoice HSAVimo Editorial Profile
  
  Health Net, which has an excellent network in California, is selling high-deductible PPO plans that qualify holders for a Health Savings Account (HSA).
• SimpleValue 30 ComboVimo Editorial Profile
  
  Health Net offers three SimpleValue plans which only differ in the amount they require you to pay as a copayment for a doctor's office visit -- $30, $40 or $50 – and the coinsurance amounts – 30%, 40%, or 50%.
• SimpleValue 30 GenericVimo Editorial Profile
  
  Health Net offers three SimpleValue plans which only differ in the amount they require you to pay as a copayment for a doctor's office visit -- $30, $40 or $50 – and the coinsurance amounts – 30%, 40%, or 50%.
• SimpleValue 40 ComboVimo Editorial Profile
  
  Health Net offers three SimpleValue plans which only differ in the amount they require you to pay as a copayment for a doctor's office visit -- $30, $40 or $50 – and the coinsurance amounts – 30%, 40%, or 50%.
• SimpleValue 40 GenericVimo Editorial Profile
  
  Health Net offers three SimpleValue plans which only differ in the amount they require you to pay as a copayment for a doctor's office visit -- $30, $40 or $50 – and the coinsurance amounts – 30%, 40%, or 50%.
• SimpleValue 50 ComboVimo Editorial Profile
  
  Health Net offers three SimpleValue plans which only differ in the amount they require you to pay as a copayment for a doctor's office visit -- $30, $40 or $50 – and the coinsurance amounts – 30%, 40%, or 50%.
• SimpleValue 50 GenericVimo Editorial Profile
  
  Health Net offers three SimpleValue plans which only differ in the amount they require you to pay as a copayment for a doctor's office visit -- $30, $40 or $50 – and the coinsurance amounts – 30%, 40%, or 50%.
• SmartChoice HSA Compatible PPO PlanVimo Editorial Profile
  
  Health Net, which has an excellent network in California, features a small number of high-deductible PPO plans that qualify holders for a Health Savings Account (HSA).
  
  

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• HDHP $5,000/100 to 50Vimo Editorial Profile
  
  With a deductible of $5,000 and an out-of-pocket maximum of $5,000, the HDHP $5,000 pays 100 percent of covered expenses after you've burned through your deductible, making it a very easy policy to understand. That 100 percent coverage includes prescription drugs – even brand-name drugs.
• PPO 70 to 50/5000Vimo Editorial Profile
  
  One of PacifiCare's SignatureOption plans, this features a high coinsurance fee. You will end up paying 40% coinsurance under this plan – something to keep in mind before you purchase it. The coinsurance maximum is $4,000. Added to the $5,000 deductible, you'll end up spending $9,000 before the plan really kicks in and pays 100 percent of covered expenses. The plan is close to bare bones, with no maternity coverage and no prescription drug benefits. But the premiums are rock bottom.

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• CeltiCare II Select PPO 80/20 $1,000Vimo Editorial Profile
  
  CeltiCare's Select PPO plan offers a cash-back incentive for participating in a "Healthy Lifestyle" program. That means that 25 percent of charges for eligible programs, like hospital sponsored accredited smoking cessation, weight loss and even exercise programs, are returned to you -- up to $300 a year. It's an interesting incentive, and one that other health plans should offer. Like many high-deductible PPO plans, this one features coinsurance after you burn through the deductible -- and a high out-of-pocket-maximum. In other words, once you spend your deductible, you're responsible for a large percentage of your medical bill until you've reached your OOPM. The plan features an unusually high lifetime maximum payout of $7 million. For an additional premium, CeltiCare offers a generic prescription drug program: Generic drugs are available for a small copay and no deductible.
• CeltiCare II Select PPO 80/20 $1,500Vimo Editorial Profile
  
  CeltiCare's Select PPO plan offers a cash-back incentive for participating in a "Healthy Lifestyle" program. That means that 25 percent of charges for eligible programs, like hospital sponsored accredited smoking cessation, weight loss and even exercise programs, are returned to you -- up to $300 a year. It's an interesting incentive, and one that other health plans should offer. Like many high-deductible PPO plans, this one features coinsurance after you burn through the deductible -- and a high out-of-pocket-maximum. In other words, once you spend your deductible, you're responsible for a large percentage of your medical bill until you've reached your OOPM. The plan features an unusually high lifetime maximum payout of $7 million. For an additional premium, CeltiCare offers a generic prescription drug program: Generic drugs are available for a small copay and no deductible.
• CeltiCare II Select PPO 80/20 $2,500Vimo Editorial Profile
  
  CeltiCare's Select PPO plan offers a cash-back incentive for participating in a "Healthy Lifestyle" program. That means that 25 percent of charges for eligible programs, like hospital sponsored accredited smoking cessation, weight loss and even exercise programs, are returned to you -- up to $300 a year. It's an interesting incentive, and one that other health plans should offer. Like many high-deductible PPO plans, this one features coinsurance after you burn through the deductible -- and a high out-of-pocket-maximum. In other words, once you spend your deductible, you're responsible for a large percentage of your medical bill until you've reached your OOPM. The plan features an unusually high lifetime maximum payout of $7 million. For an additional premium, CeltiCare offers a generic prescription drug program: Generic drugs are available for a small copay and no deductible.
• CeltiCare II Select PPO 80/20 $5,000Vimo Editorial Profile
  
  CeltiCare's Select PPO plan offers a cash-back incentive for participating in a "Healthy Lifestyle" program. That means that 25 percent of charges for eligible programs, like hospital sponsored accredited smoking cessation, weight loss and even exercise programs, are returned to you -- up to $300 a year. It's an interesting incentive, and one that other health plans should offer. Like many high-deductible PPO plans, this one features coinsurance after you burn through the deductible -- and a high out-of-pocket-maximum. In other words, once you spend your deductible, you're responsible for a large percentage of your medical bill until you've reached your OOPM. The plan features an unusually high lifetime maximum payout of $7 million. For an additional premium, CeltiCare offers a generic prescription drug program: Generic drugs are available for a small copay and no deductible.
• CeltiCare II Select PPO 80/20 $500Vimo Editorial Profile
  
  CeltiCare's Select PPO plan offers a cash-back incentive for participating in a "Healthy Lifestyle" program. That means that 25 percent of charges for eligible programs, like hospital sponsored accredited smoking cessation, weight loss and even exercise programs, are returned to you -- up to $300 a year. It's an interesting incentive, and one that other health plans should offer. Like many high-deductible PPO plans, this one features coinsurance after you burn through the deductible -- and a high out-of-pocket-maximum. In other words, once you spend your deductible, you're responsible for a large percentage of your medical bill until you've reached your OOPM. The plan features an unusually high lifetime maximum payout of $7 million. For an additional premium, CeltiCare offers a generic prescription drug program: Generic drugs are available for a small copay and no deductible.

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• Tonik 1500 Calculated Risk TakerVimo Editorial Profile
  
  Aiming for young and healthy people looking for quality health insurance at an affordable price, Blue Cross of California introduced its Tonik line of health plans. The Calculated Risk Taker plan was developed after surveying hundreds of young adults to determine what they wanted – and didn't– in a health plan.
• Tonik 5000 Thrill SeekerVimo Editorial Profile
  
  Aiming for young and healthy people looking for quality health insurance at an affordable price, Blue Cross of California introduced their Tonik line of health plans. The Thrill Seeker plan was developed after surveying hundreds of young adults to determine what they wanted – and didn't– in a health plan.

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• $0/$1,500 PlanVimo Editorial Profile
  
  Kaiser’s $0/$1,500 Deductible plan offers some pre-deductible benefits that are uncommon among HSA-qualified plans. Pre-deductible coverage for preventive physicals, well-baby visits and pre-natal care requires a small co-pay, while vaccines require no co-payment. Unlike many high deductible plans, this plan offers maternity coverage.
• $0/$2,700 PlanVimo Editorial Profile
  
  Kaiser’s $0/$2,700 Deductible plan offers some pre-deductible benefits that are uncommon among HSA-qualified plans. Pre-deductible coverage for preventive physicals, well-baby visits and pre-natal care requires a small co-pay, while vaccines require no co-payment. Unlike many high deductible plans, this plan offers maternity coverage.
• $1,500 Deductible PlanVimo Editorial Profile
  
  With a calendar-year deductible of $1,500 ($3,000 for a family), this Kaiser plan offers low premiums and plenty of pre-deductible benefits.
• $30/$2,700 Deductible HSA PlanVimo Editorial Profile
  
  Kaiser’s $30/$2,700 Deductible plan offers some pre-deductible benefits that are uncommon among HSA-qualified plans. Pre-deductible coverage for preventive physicals, well-baby visits and pre-natal care requires a small co-pay, while vaccines require no co-payment. Unlike many high deductible plans, this plan offers maternity coverage.

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