Preferred Choice benefit highlights

2026 Preferred Choice plans

Benefit highlights are not a complete explanation of covered services, exclusions, limitations, reductions or the terms of the plan. Additionally, benefit highlights are not a contract and may change. Please contact your Premera representative or producer for complete coverage information including your plan network, waiting periods, limitations, and exclusions.

Sales brochure

2026 Preferred Choice health plan guide (51-99 employees)

All Preferred Choice highlights

Due to new pharmacy mandates, there are separate versions of the 2026 benefit highlights for fully Insured and OptiFlex Preferred Choice plans. The differences outlined in the documents reflect that the fully insured plans include out-of-network coverage for specialty drugs, while the OptiFlex plans do not.

Medical benefit highlights - Fully insured plans

HP $100/20%/$1000/$20/$50

HP $250/20%/$2000/$20/$50

HP $500/20%/$3500/$20

HP $1000/20%/$4500/$25

HP $2000/20%/$4500/$25

HP $3000/20%/$6000/$30

HP $4000/20%/$6000/$30

HP $5000/30%/$7150/$45

HP $6000/30%/$7350/$45

HP Shared No Vision $1500/20%/$4500/$25/$65

HP Shared No Vision $2500/20%/$5000/$25/$65

HP Shared No Vision $3500/20%/$6000/$30/$65

HP Shared No Vision $4500/30%/$6500/$35/$70

HP Shared No Vision $5500/30%/$7150/$45/$80

HP Primary Care No Vision $1500/20%/$5000/$5/$50

HP Primary Care No Vision $2500/20%/$6000/$5/$60

HP Primary Care No Vision $3500/20%/$7000/$5/$65

Essentials $7550

Essentials $8550

HP H.S.A. AGG $1700/20%/$3000

HP H.S.A. AGG $2000/20%/$5000

HP H.S.A. EMB $3400/20%/$5000

HP H.S.A. EMB $4000/20%/$6000

HP H.S.A. EMB $5000/20%/$6550

HP H.S.A. EMB $6000/20%/$6550

HP H.S.A. EMB $6500/0%/$6500

HP H.S.A. AGG Shared No Vision $2500/20%/$5000

HP H.S.A. EMB Shared No Vision $4500/20%/$6000

HP H.S.A. AGG $1700/20%/$3000 - Essentials

HP H.S.A. AGG $2000/20%/$5000 - Essentials

HP H.S.A. EMB $3400/20%/$5000 - Essentials

HP H.S.A. EMB $4000/20%/$6000 - Essentials

HP H.S.A. EMB $5000/20%/$6550 - Essentials

HP H.S.A. EMB $6000/20%/$6550 - Essentials

HP H.S.A. EMB $6500/0%/$6500 - Essentials

HP H.S.A. AGG Shared No Vision $2500/20%/$5000 - Essentials

HP H.S.A. EMB Shared No Vision $4500/20%/$6000 - Essentials

Pharmacy benefit highlights - Fully insured plans

RX $10/$25/$55/30% - Essentials

RX $15/$30/$60/30% - Essentials

RX $150 - $15/$60/$100/50% - Essentials

RX $10/$25/$50

RX $20/$40/$70

RX $10/$30/$30/30%

RX $10/$30/$60

RX $15/$30/$50/30%

RX $20/$50/50%/30%

RX $150 - $15/$30/$50/30%

Dental benefit highlights - Fully insured and OptiFlex plans

Optima 0%/20%/50%/$3000 Enhanced + Annual Max Waiver

Optima 0%/20%/50%/$3000 Enhanced + Max Waiver + Ortho

Optima $50/$150 - 0%/20%/50%/$2000 Enhanced + Max Waiver + Ortho

Optima $50/$150 - 0%/20%/50%/$2000 Enhanced + Max Waiver

Optima $50/$150 - 0%/20%/50%/$1500 Enhanced + Max Waiver + Ortho

Optima $50/$150 - 0%/20%/50%/$1500 Max Waiver

Optima $50/$150 - 0%/20%/50%/$1500

Optima $50/$150 - 0%/20%/50%/$1000

Optima $50/$150 - 20%/20%/50%/$1000

Optima $50/$150 - 0%/20%/50%/$1500 Voluntary

Optima $50/$150 - 0%/20%/50%/$1500 Voluntary + Max Waiver

Optima $50/$150 - 0%/20%/50%/$1500 Shared Family + Max Waiver

Optima $50/$150 - 0%/20%/50%/$1500 Shared Family + Enhanced + Max Waiver

Medical benefit highlights - OptiFlex plans

HP $100/20%/$1000/$20/$50

HP $250/20%/$2000/$20/$50

HP $500/20%/$3500/$20/$60

HP $1000/20%/$4500/$25/$60

HP $2000/20%/$4500/$25/$65

HP $3000/20%/$6000/$30/$65

HP $4000/20%/$6000/$30/$65

HP $5000/30%/$7150/$45/$80

HP $6000/30%/$7350/$45/$80

HP Shared No Vision $1500/20%/$4500/$25/$65

HP Shared No Vision $2500/20%/$5000/$25/$65

HP Shared No Vision $3500/20%/$6000/$30/$65

HP Shared No Vision $4500/30%/$6500/$35/$70

HP Shared No Vision $5500/30%/$7150/$45/$80

HP Primary Care No Vision $1500/20%/$5000/$5/$50

HP Primary Care No Vision $2500/20%/$6000/$5/$60

HP Primary Care No Vision $3500/20%/$7000/$5/$65

Essentials $7550

Essentials $8550

HP H.S.A. AGG $1700/20%/$3000

HP H.S.A. AGG $2000/20%/$5000

HP H.S.A. EMB $3400/20%/$5000

HP H.S.A. EMB $4000/20%/$6000

HP H.S.A. EMB $5000/20%/$6550

HP H.S.A. EMB $6000/20%/$6550

HP H.S.A. EMB $6500/0%/$6500

HP H.S.A. AGG Shared No Vision $2500/20%/$5000

HP H.S.A. EMB Shared No Vision $4500/20%/$6000

HP H.S.A. AGG $1700/20%/$3000 - Essentials

HP H.S.A. AGG $2000/20%/$5000 - Essentials

HP H.S.A. EMB $3400/20%/$5000 - Essentials

HP H.S.A. EMB $4000/20%/$6000 - Essentials

HP H.S.A. EMB $5000/20%/$6550 - Essentials

HP H.S.A. EMB $6000/20%/$6550 - Essentials

HP H.S.A. EMB $6500/0%/$6500 - Essentials

HP H.S.A. AGG Shared No Vision $2500/20%/$5000 - Essentials

HP H.S.A. EMB Shared No Vision $4500/20%/$6000 - Essentials

Pharmacy benefit highlights - OptiFlex plans

RX $10/$25/$55/30% - Essentials

RX $15/$30/$60/30% - Essentials

RX $150 - $15/$60/$100/50% - Essentials

RX $10/$25/$50

RX $20/$40/$70

RX $10/$30/$30/30%

RX $10/$30/$60

RX $15/$30/$50/30%

RX $20/$50/50%/30%

RX $150 - $15/$30/$50/30%

2025 Preferred Choice plans

Sales brochure

2025 Preferred Choice health plan guide (51-99 employees)

All Preferred Choice highlights

2025 Premera Preferred Choice highlights - All

Medical benefit highlights

HP $100/20%/$1000/$20/$50

HP $250/20%/$2000/$20/$50

HP $500/20%/$3500/$20

HP $1000/20%/$4500/$25

HP $2000/20%/$4500/$25

HP $3000/20%/$6000/$30

HP $4000/20%/$6000/$30

HP $5000/30%/$7150/$45

HP $6000/30%/$7350/$45

Essentials $7550

Essentials $8550

HP H.S.A. AGG $1650/20%/$3000

HP H.S.A. AGG $2000/20%/$5000

HP H.S.A. EMB $3300/20%/$5000

HP H.S.A. EMB $4000/20%/$6000

HP H.S.A. EMB $5000/20%/$6550

HP H.S.A. EMB $6000/20%/$6550

HP H.S.A. EMB $6500/0%/$6500

HP H.S.A. AGG $1650/20%/$3000 - Essentials

HP H.S.A. AGG $2000/20%/$5000 - Essentials

HP H.S.A. EMB $3300/20%/$5000 - Essentials

HP H.S.A. EMB $4000/20%/$6000 - Essentials

HP H.S.A. EMB $5000/20%/$6550 - Essentials

HP H.S.A. EMB $6000/20%/$6550 - Essentials

HP H.S.A. EMB $6500/0%/$6500 - Essentials

Pharmacy benefit highlights

RX $10/$25/$45/30% - Essentials

RX $15/$30/$50/30% - Essentials

RX $150 - $15/$60/$100/50% - Essentials

RX $10/$20/$40

RX $20/$40/$60

RX $10/$30/$30/30%

RX $10/$30/$50

RX $15/$30/$50/30%

RX $20/$50/50%/30%

RX $150 - $15/$30/$50/30%

Dental benefit highlights

Optima $50/$150 - 0%/20%/50%/$2000 Enhanced + Max Waiver + Ortho

Optima $50/$150 - 0%/20%/50%/$2000 Enhanced + Max Waiver

Optima $50/$150 - 0%/20%/50%/$1500 Enhanced + Max Waiver + Ortho

Optima $50/$150 - 0%/20%/50%/$1500 Max Waiver

Optima $50/$150 - 0%/20%/50%/$1500

Optima $50/$150 - 0%/20%/50%/$1000

Optima $50/$150 - 20%/20%/50%/$1000

Optima $50/$150 - 0%/20%/50%/$1500 Voluntary

Optima $50/$150 - 0%/20%/50%/$1500 Voluntary + Max Waiver

Optima $50/$150 - 0%/20%/50%/$1500 Shared Family + Max Waiver

Optima $50/$150 - 0%/20%/50%/$1500 Shared Family + Enhanced + Max Waiver

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