Compare Plan Designs
V2500. V5000. V10000. One decision.
All three Solo plan designs deliver the same comprehensive major medical coverage on the same nationwide network. The only variable is your deductible — which doubles as your out-of-pocket maximum. Here they are side by side, plus a clear way to think through the choice.
Every Solo plan design carries the same coverage, the same nationwide network, and the same included benefits. The only decision is your deductible — which is also your out-of-pocket maximum.
| V2500 | V5000 | V10000 | |
|---|---|---|---|
| Individual deductible = out-of-pocket max | $2,500 | $5,000 | $10,000 |
| Family aggregate (2× individual) | $5,000 | $10,000 | $20,000 |
| HSA-eligible | Yes | Yes | No |
| Monthly cost | Lowest deductible, highest monthly | The middle path | Highest deductible, lowest monthly |
| Preventive care | 100% covered, deductible waived — all designs | ||
| After deductible | Eligible medical care paid at 100% for the rest of the plan year — all designs | ||
| Prescriptions | Same tiers and copays in every design; Tier 1 preventive always $0 | ||
| Network | Multiplan PHCS (now Claritev) — all 50 states, no referrals — all designs | ||
There's no universally right answer — just the right fit for how you use care and how you manage cash flow. A few considerations to weigh:
- If you expect to use care frequently — ongoing prescriptions, regular specialist visits, a planned procedure — a lower deductible caps your out-of-pocket exposure sooner, which some members find worth the higher monthly cost.
- If you rarely see a doctor, the lower monthly cost of a higher deductible often wins the year's math — especially since preventive care is $0 in every design, so your routine care costs nothing either way.
- If pre-tax savings matter to you, note that only the V2500 and V5000 are HSA-eligible — here's how that pairing works.
- Think in worst-case totals. Your maximum year is roughly twelve months of contributions plus your deductible. Run that number for each design and see which trade-off sits better with your business.
The decision is yours — on your own or with your tax professional — but you don't have to make it alone. Our team can walk you through how the designs differ for your situation.
You choose your design at enrollment. Once contracts are signed, changes wait until renewal — each November you can select a different deductible level for the new calendar year. Mid-year changes can be requested, but they require approval and re-rating, which can change your monthly cost.
One reassurance as you decide: you're choosing a deductible, not a tier of care. Every design gets the same doctors, the same benefits, the same support.