Best Individual Health Insurance Plans 1
PPO Advantage 6500*
Deductible: $6500
Out Of Pocket Maximum: $9500
Office Copay: $40 for 2 visits
Preventive Care: $0
Prescription: Generic $15
Rates As Low As
$66.00/mo
PPO Advantage 3500*
Deductible: $3500
Out Of Pocket Maximum: $6500
Office Copay: $40 for 2 visits
Preventive Care: $0
Prescription: Generic $15
Rates As Low As
$82.00/mo
* – Rates are for a 20 year old in San Diego County
Check what the rates are for you below
The Health Net PPO Advantage plans are some of the best individual health insurance plans available in California right now. They are the low price leader, and offer the basic benefit levels that many people want. If you see the doctor less than 2 times a year, and want to have a safety net in case something happens. These plans are for you.
Between these 2 plans, the PPO Advantage 3500 plan is the better option if you plan to have this insurance for a year or more. The reason is the 3500 only costs $16/mo more than the 6500, but reduces your risk if something happens by $3000 (the difference between the Out Of Pocket Maximums).
You would have to save the $16 dollars in premiums for over 15 years in order to pay the increased out of pocket maximum or deductible if something happened. Therefore, the PPO Advantage 3500 is the better plan.
