The Horizon plan falls behind in the premium comparison, but among the other Horizon plans, it will be the lowest cost plan. If you came looking for the cheapest premium, look no further and go with the Amerihealth plan I mentioned. The premium is 28% less which is very significant. The Amerihealth plan is actually cheaper. The full premium and hitting the max out of pocket. You’ll see here the total cost if the 51 year old had the worst case scenario. My rates are for a 51 year old in the 08201 zip code in 2019. I’ll compare the Horizon Omnia Bronze H.S.A and the Amerihealth EPO H.S.A Advantage $250/$50 plan. If you hit that number, you are then covered 100%. The maximum out of pocket(MOOP), is the most you can pay in a calendar year for your claims. Then add the annual total to the maximum out of pocket. The best way to compare the plans is to take the monthly cost for your plan and get the annual total. Across all of the age groups, the Bronze H.S.A will be one of the lowest. I evaluate all of the plans with Amerihealth NJ, Horizon BCBS and any other carriers that are available at the moment. When I am working on quotes for a small business or family, the first thing people want to know is the cost. Evaluating Cost and Value of a Health Plan Read on and I’ll go over how the plan works, and why I think it belongs in your top list of health plans whether you are a family looking for coverage or a small business. The combination of low premiums, easy to understand network tier structure, extra perks like BFit(gym reimbursement), telemedicine and its H.S.A qualified status all contribute to its success. What is the best health insurance plan? The Horizon Blue Cross Omnia Bronze H.S.A is in my opinion the best choice overall in NJ when you are selecting a plan for your family or small business. Most people think it’s one of the Platinum plans available. I’ve been in the health insurance game for over ten years, and I’ll share what I believe to be the best plan is in NJ and what you should be looking at for your family. It’s definitely a tough one and their own situation will play into the answer I give. The question everyone asks when it comes time to picking their health insurance.
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