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Razor Benefits Group
Interactive Comparison

Compare health plans side-by-side

Pick up to four plan types, tell us what matters most, and see the trade-offs in one view.

Choose plans to compare (3/4)

What matters most to you? (optional)

ACA Marketplace
Guaranteed Issue
PPO
Maximum Flexibility
HSA-Compatible HDHP
Tax-Advantaged
Est. monthly premiumDiffers$250 – $650$450 – $900$280 – $600
Annual deductibleDiffers$1,500 – $8,000$500 – $2,500$1,600 – $8,050
Out-of-pocket maxDiffers$9,450 (2024 max)$6,000 – $8,500$8,050 – $16,100
NetworkDiffersRegional (state-based)National, broadVaries (PPO or HMO base)
Referrals required No No No
Out-of-network coverage Yes Yes Yes
Covers pre-existing conditions Yes Yes Yes
Premium subsidies availableDiffers Yes No No
HSA eligibleDiffersBronze/Silver HDHP onlyNoYes — triple tax advantage
Best forDiffersIndividuals, families, sole proprietorsTeams that travel, need specialists, or want choiceHealthy employees who want tax savings
Strengths
  • Income-based subsidies
  • All 10 essential benefits
  • No underwriting
  • See any provider
  • No referrals
  • Out-of-network covered
  • HSA contributions pre-tax
  • Funds roll over
  • Lower premiums
Trade-offs
  • Open enrollment windows
  • Narrower networks than PPO
  • Higher premiums
  • Higher out-of-network cost share
  • High deductible upfront
  • Not ideal for chronic care
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Premium and deductible ranges are illustrative. Actual quotes depend on carrier, state, group size, age, tobacco use, and plan year. Contact a licensed advisor for an exact quote.

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