Coverage designed to match your lifestyle and expectations.
See the best specialists and visit top hospitals nationally — no referrals needed.
Premium plans with lower deductibles and out-of-pocket maximums for cost certainty.
Comprehensive coverage that travels with you, offering peace of mind internationally.
Leverage triple-tax-advantaged HSAs as powerful long-term investment vehicles.
When you're not constrained by subsidy rules, you unlock access to superior plans with broader networks, richer benefits, and greater flexibility.
Est. $500–$1,200+/month
The ultimate in choice. See any doctor, any specialist, anywhere in the country without ever needing a referral.
Est. $300–$600+/month
Pair a lower-premium High Deductible Health Plan with a Health Savings Account for unparalleled triple tax advantages.
Est. $800–$2,000+/month
White-glove coverage designed for busy professionals with concierge medicine and international protection.
For high earners, a Health Savings Account isn't just for medical bills — it's a powerful, triple-tax-advantaged investment vehicle.
Individual Coverage Limit (2026)
Family Coverage Limit (2026)
Catch-Up Contribution (Age 55+)
Contributions reduce your taxable income today — directly lowering your federal and state tax bill.
Investment earnings inside the HSA grow completely tax-free. Invest in stocks, bonds, and funds.
No "use-it-or-lose-it" rule. Unused funds roll over every year, building a substantial medical nest egg.
While HMOs offer lower premiums, most high-income clients prefer PPO plans for their unmatched flexibility.
| Feature | HMO | PPO (Recommended) |
|---|---|---|
| Monthly Premium | Generally Lower | Higher |
| See Any Doctor? | No, In-Network Only | Yes, In- or Out-of-Network |
| Referrals Needed? | Yes, Required | No, Direct Access |
| Out-of-Network Coverage | None (except emergencies) | Yes (at a higher cost) |
| Network Size | Smaller, Localized | Large, Nationwide |
| Best For | Cost-conscious, routine care | Flexibility, travel, specialist access |