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You are considering the choice between the following three health plans offered by your employer: i.)HMO; your premium contribution = $100/month. $0 copays / $0 deductible / 0% coinsurance. Limited network of docs and hospitals

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You are considering the choice between the following three health plans offered by your employer:

i.)HMO; your premium contribution = $100/month. $0 copays / $0 deductible / 0% coinsurance. Limited network of docs and hospitals

ii.)PPO; your premium contribution = $200/month. $0 copays / $500 deductible in network /20% coinsurance in network / $1500 deductible out of network / 30% coinsurance in network. Limited network of docs and hospitals

iii.)HDHP; your premium contribution = $75/month. $0 copays / $2500 deductible / 0% coinsurance. No network restrictions

Which plan would you personally choose, given your actual preferences and health needs? Give a brief explanation, but please don’t reveal any sensitive health information.The goal here is to have you reflect privately on what you preferstrictly

 
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