To see the health plans available for you, select the state you live in:
Minnesota
Your health plan options for 2022.
Minnesota residents can choose from five health plans. All plans cover the same health care services but differ in how much you pay through paycheck deductions, how much you pay when you need care, and provider networks (doctors, hospitals and other providers who contract to deliver care, typically for less than their usual fees).
Choose from:
- Health Plans 1, 3 and 4 through your choice of Blue Cross® and Blue Shield® of Minnesota or UnitedHealthcare (UHC). These are traditional health plans where you must meet a deductible, then pay a portion of the costs (coinsurance) until you reach the out-of-pocket maximum, at which point you pay nothing for eligible in-network care.
- Two health plans through Bind. Bind 1 and Bind 2 are innovative health plans with no deductible, meaning the plan begins to pay immediately for eligible expenses. Instead of coinsurance, you pay a flat price that you can see before you get care, until you reach the out-of-pocket maximum, at which point you pay nothing for eligible in-network care.
How the plans compare.
As you weigh your options, you may want to consider:
- Would you rather pay more from each paycheck and less when you need care, or vice versa?
- Do you expect high health care or prescription drug costs in 2022?
- Is building a tax-free account through an HSA important to you?
- Would you like to know exactly what you’ll pay before getting care?
- Is your preferred doctor or therapist in-network?
A detailed comparison is shown below. Refer to the Blue Cross and UHC and Bind plan pages for more specifics on these options.
| Health Plan 1 | Health Plan 3 (HSA) | Health Plan 4 | Bind 1 | Bind 2 | |
|---|---|---|---|---|---|
| How the plans work when you use in-network care | |||||
|
Deductible |
Individual $750 |
Individual $1,750 |
Individual $500 |
No deductible |
No deductible |
|
Coinsurance |
20% after deductible for most services |
30% after deductible for most services |
10% after deductible for inpatient hospital and outpatient |
No coinsurance |
No coinsurance |
|
Copays/prices |
Copay for emergency room only* |
No copays |
Copays for some services |
Prices vary and apply for all services |
Prices vary and apply for all services |
|
HSA |
No HSA |
Includes an HSA to which you can contribute and receive a Best Buy match |
No HSA |
No HSA |
No HSA |
|
Preventive care |
$0 when you use in-network providers |
||||
|
Doctor office visit |
20% coinsurance after deductible |
30% coinsurance after deductible |
$30 primary copay; $50 specialist copay |
Price examples:** $15 virtual; $65 primary; $130 specialist |
Price examples:** $10 virtual; $30 primary; $60 specialist |
|
Inpatient/ outpatient hospital stay |
20% coinsurance after deductible |
30% coinsurance after deductible |
10% after deductible |
Price examples:** |
Price examples:** |
|
Emergency room |
$200 copay (waived if admitted), then 20% coinsurance after deductible |
30% coinsurance after deductible |
$200 copay (waived if admitted), then 10% coinsurance after deductible |
$950 |
$450 |
|
Out-of-pocket maximum |
Individual $3,750 |
Individual $5,000 |
Individual $3,500 |
Individual $5,500 |
Individual $4,000 |
|
Biweekly premiums |
|||||
|
You Only |
$76.52 |
$57.57 |
$94.14 |
$56.52 |
$92.43 |
|
You + Spouse/ Domestic Partner |
$239.85 |
$189.40 |
$280.59 |
$185.96 |
$277.57 |
|
You + Child(ren) |
$181.21 |
$141.87 |
$215.82 |
$139.29 |
$213.60 |
|
You + Family |
$351.06 |
$270.04 |
$412.06 |
$265.14 |
$404.58 |
*Deductible and coinsurance also apply.
**Prices shown indicate the most common amount. Prices vary; you may pay less or more, depending upon where you choose to receive care, the specific service, and which doctor you see.
Key terms.
Review these terms to help you understand your medical coverage.
| Term | Definition |
|---|---|
|
Coinsurance |
The percent of health care costs you pay after meeting your deductible* |
|
Copay |
A flat dollar amount you pay for a covered health care service—your health plan pays the rest; (referred to as price in the Bind plans for MN) |
|
Deductible |
The amount you pay before your plan begins to pay for eligible health care expenses* |
|
Out-of-pocket maximum |
The most you’ll pay for health care in a year—once you reach the maximum, you pay $0 for eligible health care expenses |
|
Preventive care |
Health care services that prevent illnesses or diseases, such as annual check-ups, screenings and immunizations |
|
Provider network |
A group of doctors, hospitals and other providers contracted to provide health care services to participants, typically for less than their usual fees; if a provider is in-network, you will typically save on out-of-pocket expenses |
|
Service |
Specific care or treatment you receive from a provider, such as preventive care, diagnostic tests, doctor visits, hospital stays, etc. |
*Bind health plans have no deductibles and no coinsurance.
All other states
Your health plan options for 2022.
You can choose from three health plans (Health Plans 1, 3 and 4) through two medical vendors, Blue Cross® and Blue Shield® of Minnesota (Blue Cross) or UnitedHealthcare (UHC). These are traditional health plans where you must meet a deductible, then pay a portion of the costs (coinsurance) until you reach the out-of-pocket maximum, at which point you pay nothing for eligible in-network care.
All plans cover the same health care services but differ in how much you pay through paycheck deductions, how much you pay when you need care and in the plan’s provider networks (doctors, hospitals and other providers who contract to deliver care, typically for less than their usual fees).
As you weigh your options, you may want to consider:
- Would you rather pay more from each paycheck and less when you need care, or vice versa?
- Do you expect high health care or prescription drug costs in 2022?
- Is building a tax-free account through an HSA important to you?
- Is your preferred doctor or therapist in-network?
Refer to the Blue Cross and UHC plans page for a detailed comparison chart, including biweekly paycheck deductions.
Key terms.
Review these terms to help you understand your medical coverage.
| Term | Definition |
|---|---|
|
Coinsurance |
The percent of health care costs you pay after meeting your deductible |
|
Deductible |
The amount you pay before your plan begins to pay for eligible health care expenses |
|
Out-of-pocket maximum |
The most you’ll pay for health care in a year—once you reach the maximum, you pay $0 for eligible health care expenses |
|
Preventive care |
Health care services that prevent illnesses or diseases, such as annual check-ups, screenings and immunizations |
|
Provider network |
A group of doctors, hospitals and other providers contracted to provide health care services to participants, typically for less than their usual fees; if a provider is in-network, you will typically save on out-of-pocket expenses |
|
Service |
Specific care or treatment you receive from a provider, such as preventive care, diagnostic tests, doctor visits, hospital stays, etc. |