The Bottom Line Feature

It is difficult for consumers to choose from the bewildering assortment of individual health plans available in California. There are PPO's, HMO's, POS plans, hospital only plans and subscriber only plans. To further confuse matters, some plans span several categories (such as High Deductible HMO HSA Plans). There could be different tax consequences under different plans. At the high end of the price scale you will find plans priced at about ten times the cost of the cheapest plans. In California, there are about 150 plans to choose from, a daunting proposition.

To the rescue comes our Bottom Line Calculator. It ranks plans by total cost plus risk (projected annual premium plus maximum annual out of pocket claims). From there you generate a bottom line comparison which also factors in any HSA tax savings and shows the selected plans in a side by side comparison format. Just look at the red bottom line for each deductible scenario to see which plan is the best deal.

Steps

Select the "Sort by Bottom Line" radio button when reqesting your quote.
A new screen will open with two columns.
Click on the Bottom Line Calculator radio button at the top of the left column.
Select the plans for your spreadsheet.
Click the Submit button to generate your Bottom Line Comparison.

Run your quote with either "Sort by Premium" or "Sort by Bottom Line, check the boxes for the plans that look best from that veiw. Then check the radio button to resort by the other method and select any additional plans for further analysis.