Which plan is right for me?

We encourage you to use the tools on the Mercer Marketplace 365+ enrollment system to complete a plan comparison for your own particular situation if you haven’t done so already. For illustrative purposes only, the rest of this section outlines a few sample scenarios.

Single Cigna example

Medical Plan Utilization - Light User900 PPO1850 HSA2850 HSA
Jake is a healthy person in his mid-20s. Jake does not use tobacco. Last year, he went to the doctor for his annual check-up and took one preferred brand prescription each month. While he is an avid skier, he doesn’t anticipate any major medical expenses this year. Preventive
100%
$407
(Member pays
applicable copays)
Preventive
100%
$582
(Member pays full cost for services up to the $1,850 deductible)
Preventive
100%
$582
(Member pays full cost for plan expenses up to the $2,850 deductible)
Total employee spend at the time of care$407$582$582
HSA employer contributionN/A$500$500
Employee Out-of-Pocket Costs 
Cigna - employee only premium tier$2,249
($187.39 x 12)
$1,312
($109.35 x 12)
$660
($55.04 x 12)
Total employee cost$2,656$1,394$742
HSA fund carry over for next plan yearN/A$0$0
**The numbers used above are for illustrative purposes only.  Actual prices are based on services rendered and discounted rates at the time of service.  Actual savings will vary. 
Medical Plan Utilization - Moderate User900 PPO1850 HSA2850 HSA
Jake is a relatively healthy person in his mid-20s. Jake does not use tobacco. Jake takes one monthly brand preferred medication. Jake has recently been having back problems, he saw a specialist, had one x-ray and an MRI and had 6 visits to the chiropractor.Preventive 
100%
$967
(Member pays applicable copays, deductible and coinsurance)
Preventive
100%
$1,934
(Member pays deductible and 20% coinsurance)
Preventive
100%
$2,270
(Member pays deductible and 30% coinsurance)
Total employee spend at the time of care$967$1,934$2,270
HSA employer contributionN/A$500$500
Employee Out-of-Pocket Costs 
Cigna - employee only premium tier$2249
($187.39 x 12)
$1,312
($109.35 x 12)
$660
($55.04 x 12)
Total employee cost$3,216$2,746$2,430
HSA fund carry over for next plan yearN/A$0$0
**The numbers used above are for illustrative purposes only.  Actual prices are based on services rendered and discounted rates at the time of service.  Actual savings will vary. 
Medical Plan Utilization - Heavy User900 PPO1850 HSA2850 HSA
Jake is a relatively healthy person in his mid-20s. Jake does not use tobacco. Jake had a ski accident that resulted in a head injury and broken leg for which he needed surgery which included hospitalization and 12 sessions of physical therapy to recover.Preventive 
100%
$3,000
(Member pays plan out of pocket maximum)
Preventive
100%
$3,500
(Member pays plan out of pocket maximum)
Preventive
100%
$5,500
(Member pays plan out of pocket maximum)
Total employee spend at the time of care$3,000$3,500$5,500
HSA employer contributionN/A$500$500
Employee Out-of-Pocket Costs
Cigna - employee only premium tier$2,249
($187.39 x 12)
$1,312
($109.35 x 12)
$660
($55.04 x 12)
Total employee cost$5,249$4,312$5,660
HSA fund carry over for next plan yearN/A$0$0
**The numbers used above are for illustrative purposes only.  Actual prices are based on services rendered and discounted rates at the time of service.  Actual savings will vary. 

Family Cigna example

Medical Plan Utilization - Light User900 PPO1850 HSA2850 HSA
Joe and his wife Katherine are a generally healthy couple in their late 40s. They see the doctor annually for their preventive visits. Their daughter Anne has asthma for which she sees a specialist 4 times a year and uses an inhaler that she refills every month. This year she had to go to the emergency room when she had asthma attack.  Preventive
100%
$1,942
(Member pays applicable copays, deductible, and coinsurance)
Preventive
100%
$2,196
(Member pays full cost for services up to the $3,700 deductible)
Preventive
100%
$3,069
(Member pays full cost for plan expenses up to the $5,700 deductible)
Total employee spend at time of care$1,942$2,196$3,069
HSA employer contributionN/A$1,000$1,000
Employee Out-of-Pocket Costs 
Cigna - family premium tier$7,589
($632.42 x 12)
$4,808
($400.68 x 12)
$2,853
($237.77 x 12)
Total employee cost$9,531$6,004$4,922
HSA fund carry over for next plan yearN/A$0$0
**The numbers used above are for illustrative purposes only.  Actual prices are based on services rendered and discounted rates at the time of service.  Actual savings will vary. 
Medical Plan Utilization - Moderate User900 PPO1850 HSA2850 HSA
Joe and his wife Katherine are a generally active, healthy couple in their late 40s. They see the doctor annually for their preventive visits. Katherine sprained her ankle hiking. She went to urgent care, had an x-ray, saw a specialist twice and had to go to 6 sessions of physical therapy. Their daughter Anne has asthma for which she sees a specialist 4 times a year and uses an inhaler that she refills monthly. This year she had to go to the emergency room when she had an asthma attack.  Preventive
100%
$2,153
(member pays applicable copays, deductible and coinsurance)
Preventive
100%
$3,987
(member pays deductible and 20% coinsurance)
Preventive
100%
$4,515
(member pays deductible and 30% coinsurance)
Total employee spend at time of care$2,153$3,987$4,515
HSA employer contributionN/A$1,000$1,000
Employee Out-of-Pocket Costs 
Cigna - family permium tier$7,589
($632.42 x 12)
$4,808
($400.68 x 12)
$2,853
($237.77 x 12)
Total employee cost$9,742$7,795$6,368
HSA fund carry over for next plan yearN/A$0$0
**The numbers used above are for illustrative purposes only.  Actual prices are based on services rendered and discounted rates at the time of service.  Actual savings will vary. 
Medical Plan Utilization - Heavy User900 PPO1850 HSA2850 HSA
Joe and his wife Katherine are a generally active, healthy couple in their late 40s. They see the doctor annually for their preventive visits. Katherine recently had a baby with complications that required her and the baby to be hospitalized for a week. Their daughter Anne has asthma for which she sees a specialist 4 times a year and uses an inhaler that she refills monthly. This year she had to go to the emergency room when she had an asthma attack that ultimately ended with a 4 day stay in the hospital.Preventive 
100%
$6,000
(Member pays plan out of pocket maximum)
Preventive
100%
$6,500
(Member pays plan out of pocket maximum)
Preventive
100%
$11,000
(Member pays plan out of pocket maximum)
Total employee spend at time of care$6,000$6,500$11,000
HSA employer contributionN/A$1,000$1,000
Employee Out-of-Pocket Costs
Cigna - family premium tier$7,589
($632.42 x 12)
$4,808
($400.68 x 12)
$2,853
($237.77 x 12)
Total employee cost$13,589$10,308$12,853
HSA fund carry over for next plan yearN/A$0$0
**The numbers used above are for illustrative purposes only.  Actual prices are based on services rendered and discounted rates at the time of service.  Actual savings will vary. 

Single Kaiser example

Medical Plan Utilization - Light User9001850 HSA2850 HSA
Jake is a healthy person in his mid-20s. Jake does not use tobacco. Last year, he went to the doctor for his annual check-up and took one preferred brand prescription each month. While he is an avid skier, he doesn’t anticipate any major medical expenses this year. Preventive
100%
$407
(Member pays applicable copays)
Preventive
100%
$582
(Member pays full cost for services up to the $1,850 deductible)
Preventive
100%
$582
(Member pays full cost for plan expenses up to the $2,850 deductible)
Total employee spend at time of care$407$582$582
HSA employer contributionN/A$500$500
Employee Out-of-Pocket Costs 
Kaiser - employee only premium tier$1,967
($163.90 x 12)
$1,011
($84.26 x 12)
$520
($43.33 x 12)
Total employee cost$2,374$1,093$602
HSA fund carry over for next plan yearN/A$0$0
**The numbers used above are for illustrative purposes only.  Actual prices are based on services rendered and discounted rates at the time of service.  Actual savings will vary. 
Medical Plan Utilization - Moderate User9001850 HSA2850 HSA
Jake is a relatively healthy person in his mid-20s. Jake does not use tobacco. Jake takes one monthly brand preferred medication. Jake has recently been having back problems, he saw a specialist, had one x-ray and and an MRI and had 6 visits to the chiropractorPreventive 
100%
$967
(Member pays full cost for services up to the $1850 deductible)
Preventive
100%
$1,934
(Member pays deductible and 20% coinsurance)
Preventive
100%
$2,270
(Member pays deductible and 30% coinsurance)
Total employee spend at time of care$967$1,934$2,270
HSA employer contributionN/A$500$500
Employee Out-of-Pocket Costs 
Kaiser - employee only premium tier$1,967
($163.90 x 12)
$1,011
($84.26 x 12)
$520
($43.33 x 12)
Total employee cost$2,934$2,445$2,290
HSA fund carry over for next plan yearN/A$0$0
**The numbers used above are for illustrative purposes only.  Actual prices are based on services rendered and discounted rates at the time of service.  Actual savings will vary. 
Medical Plan Utilization - Heavy User9001850 HSA2850 HSA
Jake is a relatively healthy person in his mid-20s. Jake does not use tobacco. Jake had a ski accident that resulted in a head injury and broken leg for which he needed surgery which included hospitalization and 12 sessions of physical therapy to recover.Preventive 
100%
$3,000
(Member pays plan out of pocket maximum)
Preventive
100%
$3,500
(Member pays plan out of pocket maximum)
Preventive
100%
$5,500
(Member pays plan out of pocket maximum)
Total employee spend at time of care$3,000$3,500$5,500
HSA employer contributionN/A$1,000$1,000
Employee Out-of-Pocket Costs
Kaiser - employee only premium tier$1,967
($163.90 x 12)
$1,011
($84.26 x 12)
$520
($43.33 x 12)
Total employee cost$4,967$3,511$5,020
HSA fund carry over for next plan yearN/A$0$0
**The numbers used above are for illustrative purposes only.  Actual prices are based on services rendered and discounted rates at the time of service.  Actual savings will vary. 

Family Kaiser example

Medical Plan Utilization - Light User9001850 HSA2850 HSA
Joe and his wife Katherine are a generally healthy couple in their late 40s. They see the doctor annually for their preventive visits. Their daughter Anne has asthma for which she sees a specialist 4 times a year and uses an inhaler that she refills every month. This year she had to go to the emergency room when she had asthma attack.  Preventive
100%
$1,942
(Member pays applicable copays, deductible and coinsurance)
Preventive
100%
$2,196
(Member pays full cost for services up to the $3,700 deductible)
Preventive
100%
$3,069
(Member pays full cost for plan expenses up to the $5,700 deductible)
Total employee spend at time of care$1,942$2,196$3,069
HSA employer contributionN/A$1,000$1,000
Employee Out-of-Pocket Costs 
Kaiser - family premium tier$6,638
($553.16 x 12)
$3,679
($306.57 x 12)
$2,230
($185.87 x 12)
Total employee cost$8,580$4,875$4,299
HSA fund carry over for next plan yearN/A$0$0
**The numbers used above are for illustrative purposes only.  Actual prices are based on services rendered and discounted rates at the time of service.  Actual savings will vary. 
Medical Plan Utilization - Moderate User9001850 HSA2850 HSA
Joe and his wife Katherine are a generally active, healthy couple in their late 40s. They see the doctor annually for their preventive visits. Katherine sprained her ankle hiking. She went to urgent care, had an x-ray, saw a specialist twice and had to go to 6 sessions of physical therapy. Their daughter Anne has asthma for which she sees a specialist 4 times a year and uses an inhaler that she refills monthly. This year she had to go to the emergency room when she had an asthma attack.  Preventive
100%
$2,153
(Member pays applicable copays, deductible, and coinsurance)
Preventive
100%
$3,987
(Member pays deductible and 20% coinsurance)
Preventive
100%
$4,515
(Member pays deductible and 30% coinsurance)
Total employee spend at time of care$2,153$3,987$4,515
HSA employer contributionN/A$1,000$1,000
Employee Out-of-Pocket Costs 
Kaiser - family premium tier$6,638
($553.16 x 12)
$3,679
($306.57 x 12)
$2,230
($185.87 x 12)
Total employee cost$8,791$6,666$5,745
HSA fund carry over for next plan yearN/A$0$0
**The numbers used above are for illustrative purposes only.  Actual prices are based on services rendered and discounted rates at the time of service.  Actual savings will vary. 
Medical Plan Utilization - Heavy User9001850 HSA2850 HSA
Joe and his wife Katherine are a generally active, healthy couple in their late 40s. They see the doctor annually for their preventive visits. Katherine recently had a baby with complications that required her and the baby to be hospitalized for a week. Their daughter Anne has asthma for which she sees a specialist 4 times a year and uses an inhaler that she refills monthly. This year she had to go to the emergency room when she had an asthma attack that ultimately ended with a 4 day stay in the hospital.Preventive
100%
$6,000
(Member pays plan out of pocket maximum)
Preventive
100%
$6,500
(Member pays plan out of pocket maximum)
Preventive
100%
$11,000
(Member pays plan out of pocket maximum)
Total employee spend at time of care$6,000$6,500$11,000
HSA employer contributionN/A$1,000$1,000
Employee Out-of-Pocket Costs
Kaiser - family premium tier$6,638
($553.16 x 12)
$3,679
($306.57 x 12)
$2,230
($185.87 x 12)
Total employee cost$12,638$9,179$12,230
HSA fund carry over for next plan yearN/A$0$0
**The numbers used above are for illustrative purposes only.  Actual prices are based on services rendered and discounted rates at the time of service.  Actual savings will vary.