Cigna Open Access Value plans - Cigna's entry plans, but very almost like the Aetna plans but without name prescription coverage Keto Control
Anthem Blue Cross Premier plans - these plans are the highest of the road from Anthem
Cigna Open Access plans - the high-end Cigna plans
Blue Shield Shield Secure Plus plans - Blue Shield's top end plans
Cigna Health Savings 4900 plan - good general purpose plan office visits and coverage of brand name name prescriptions, so there are not any options listed.
Aetna Open Access MC High Deductible Plan (HSA Compatible) Alternatives
These are Aetna's entry within the Health bank account (HSA) compatible market. Like all HSA plans, they supply no benefits except zero-cost preventive care until after you reach the deductible. The plans accompany two deductibles, either 5,500 or $3,500.
The mappings for these HSA plans is that the following:
Health Net CFB HSA 4500 plan - this is often the simplest value HSA plan within the market
Health Net CFB HSA 6000 plan - this is often the general lowest cost HSA plan
Blue Shield Saver HSA plans - these are lower cost than the opposite non-Health Net HSA plans
Cigna Health Savings 4900 plan - good general purpose plan Keto Control
Anthem Blue Cross Lumenos 5950 plan - Anthem's last remaining HSA plan
Are You trying to find Lower Out Of Pocket Risk?
Some shoppers could also be looking to lower premiums AND lower the OOPM's they need had within the past. If this is often your wish, then here are a few of options you ought to explore:
Health Net CFB PPO Standard plans - the OOPM in these plans is adequate to the deductible, and a couple of office visits for a copay
Cigna Open Access Value 5000/100% - the OOPM is that the same because the deductible, and therefore the plan offers unlimited office visits
These alternative plans will cost a touch quite the direct replacement options listed within the sections above. However, the attractiveness of getting lower risk if an accident or a medical condition starts is extremely compelling. Keto Control
Silver Linings within the California Aetna insurance Decision
I believe that Aetna is simply the primary during a line of huge and little insurance companies which will leave the California individual and family insurance marketplace over subsequent 3-5 years. Aetna had a really small market share, and would have a tough time competing with the insurance companies that dominate the California market. So having Aetna leave now will reduce the turbulence we see during the Health Care Reform roll-out later this fall.
The first bright side altogether of this is often that Aetna plans tend to possess very high Out-Of-Pocket Maximums (OOPM). As an example, for a family, the Open Access Value 8000 plan has an OOPM of $25,000, while the Anthem Blue Cross SmartSense 6000 plan and therefore the ealth Net PPO Advantage 6500 have a $19,000 OOPM. Keto Control
This is one among the explanations people have stayed faraway from new Aetna plans unless no other insurance company would accept them. There are many plans from Health Net, Anthem Blue Cross, Cigna, and Blue Shield which will have lower OOPM's than the Aetna plans.