Preferred Choice Plans

  • With Preferred Choice plans, it’s all about flexibility. Our 2026 Preferred Choice plans are designed to offer your business a well-rounded suite of health plan options for your employees with 49 of our most popular medical plans, 11 pharmacy plans, and 15 dental plans to choose from.

    For 2026 Preferred Choice benefit highlights, you will notice separate documents available for fully insured and OptiFlex plans. The fully insured plans include a Kinwell Connect cost share waiver where all services rendered and billed by any Kinwell Clinic are covered in full, while the OptiFlex plans apply standard cost shares to those services. Additionally, fully insured pharmacy plans offer a 90-day retail supply, whereas OptiFlex pharmacy plans are limited to a 30-day retail supply.

    Through the end of the year, you can also still explore our 2025 Preferred Choice plans page.

    Get a quote for your business

    Get a quote today

    We'll work with you to find the best health plan options for your employees and budget.

  • 1. Choose your medical plans

    Select up to 2 medical plans from 49 options.

    Preferred provider organization plans (PPO)

    First aid color logo - 50px

    Cost and coverage
    Wide-ranging premium and cost-share combinations, with deductibles starting at $250

    Office visit
    Copay of $20-$50

    Provider network
    The Heritage network includes 42,000+ providers statewide

    11 Standard PPO plans, by deductible

    $250
    $1,500
    $4,000

    $500
    $2,000
    $5,000

    $750
    $2,500
    $6,350

    $1,000
    $3,000

    9 Unlimited PPO plans, by deductible - No vision, and out-of-pocket maximum is unlimited when out of network

    $250
    $1,500
    $5,000

    $500
    $2,000

    $750
    $2,500

    $1000
    $3,000

    6 Shared PPO plans, by deductible - No vision, and out-of-pocket maximum is shared with in-network when out of network

    $250
    $1,500

    $500
    $2,000

    $750

    $1,000

    Health savings account (HSA) qualified PPO plans (Pharmacy benefits included)

    Cost and coverage
    Lower premiums and higher cost shares. Learn more about how HSA plans work

    Office visit
    Employee pays 100% until deductible is met, then pays a percentage of the cost (coinsurance)

    Provider network
    The Heritage network includes 42,000+ providers statewide

    7 HSA qualified PPO plans, by deductible - with vision

    $1,700
    $4,000

    $2,500
    $5,000

    $3,400
    $6,450

    $3,500

    5 HSA qualified PPO plans, by deductible - without vision

    $1,700
    $5,500

    $2,000

    $3,000

    $3,500

    Premera Pathfinder plans (EPO & PPO)

    First aid color logo - 50px

    Cost and coverage
    Savings over a traditional Premera PPO plan

    Office visit
    Employees have a $5 copay when seeing their designated PCP. $35-65 copay for non-designated PCP or specialist

    Provider network
    The Heritage network includes 42,000+ providers statewide. No out-of-network coverage for primary or specialist services

    4 Premera Pathfinder EPO plans, by deductible

    $500

    $1,000

    $3,000

    $5,000

    5 Premera Pathfinder PPO plans, by deductible

    $500
    $3,000

    $1,000

    $1,500

    $2,000

    Blue High Performance Network plans (HPN)

    Cost and coverage
    No out-of-network coverage for primary or specialist services, but emergency and urgent care is always covered

    Office visit
    Copay of $25 or $30

    Provider network
    The Heritage network includes 42,000+ providers statewide

    2 BlueHPN plans, by deductible

    $1,000

    $2,000

    2. Choose a pharmacy plan

    Add one of our 11 pharmacy plans to any of the medical plans except for the HSA PPO, which already includes pharmacy benefits.

    Pharmacy plans

    Cost and coverage
    Keeps costs as low as possible by focusing on high-value drugs that are approved by the U.S. Food and Drug Administration (FDA)

    Office visit
    Employee pays a copay or percentage of drug cost

    Supply
    Covers a 90-day supply for retail and mail orders, with one copay per 30-day retail supply if applicable, and a 30-day supply for specialty medications

    3 Essentials plans by drug tier (Tier 1/ 2 / 3 / 4)

    $15/$30/$60/30%

    $10/$25/$55/30%

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

    8 other pharmacy plans by drug tier (Tier 1/ 2 / 3 / 4)

    $10/$25/$50
    $15/$30/$55 - $150

    $10/$35/$65
    $15/$30/$55 - $300

    $10/$50/$75/40%
    $15/$45/$75

    $15/$30/$55
    $20/$50/50%/30%

    3. Choose a dental plan

    Add one of our dental plans for comprehensive coverage.

    Optima dental plans

    Provider network
    Our dental plans feature a broad network with more than 267,000 locations nationwide

    Orthodontia coverage
    Plans "with ortho" feature orthodontia coverage for all ages

    Waiting period
    The Optima Voluntary plan requires a 12-month waiting period for major dental services

    15 dental plans, by annual maximum

    Optima plans
    $1,000
    $1,500
    $2,000
    $2,500

    Optima plans with ortho
    $1,000
    $1,500
    $2,000
    $2,500

    Optima Flex plans
    $1,000
    $1,500

    Optima Flex plans with ortho
    $1,500

    Optima Voluntary
    $1,000
    $1,500

    Optima 1500 Enhanced
    $1,500

    Optima Flex 1500 Shared Family
    $1,500

    1. Choose your medical plans

    Select up to 2 medical plans from 40 options.

    Preferred provider organization plans (PPO)

    First aid color logo - 50px

    Cost and coverage
    Wide-ranging premium and cost-share combinations, with deductibles starting at $250

    Office visit
    Copay of $20-$50

    Provider network
    The Heritage network includes 42,000+ providers statewide

    11 Standard PPO plans, by deductible

    $250
    $1,500
    $4,000

    $500
    $2,000
    $5,000

    $750
    $2,500
    $6,350

    $1,000
    $3,000

    9 Unlimited PPO plans, by deductible - No vision, and out-of-pocket maximum is unlimited when out of network

    $250
    $1,500
    $5,000

    $500
    $2,000

    $750
    $2,500

    $1000
    $3,000

    6 Shared PPO plans, by deductible - No vision, and out-of-pocket maximum is shared with in-network when out of network

    $250
    $1,500

    $500
    $2,000

    $750

    $1,000

    Health savings account (HSA) qualified PPO plans (Pharmacy benefits included)

    Cost and coverage
    Lower premiums and higher cost shares. Learn more about how HSA plans work

    Office visit
    Employee pays 100% until deductible is met, then pays a percentage of the cost (coinsurance)

    Provider network
    The Heritage network includes 42,000+ providers statewide

    7 HSA qualified PPO plans, by deductible - with vision

    $1,700
    $4,000

    $2,500
    $5,000

    $3,400
    $6,450

    $3,500

    5 HSA qualified PPO plans, by deductible - without vision

    $1,700
    $5,500

    $2,000

    $3,000

    $3,500

    Blue High Performance Network plans (HPN)

    Cost and coverage
    No out-of-network coverage for primary or specialist services, but emergency and urgent care is always covered

    Office visit
    Copay of $25 or $30

    Provider network
    The Heritage network includes 42,000+ providers statewide

    2 BlueHPN plans, by deductible

    $1,000

    $2,000

    2. Choose a pharmacy plan

    Add one of our 11 pharmacy plans to any of the medical plans except for the HSA PPO, which already includes pharmacy benefits.

    Pharmacy plans

    Cost and coverage
    Keeps costs as low as possible by focusing on high-value drugs that are approved by the U.S. Food and Drug Administration (FDA)

    Office visit
    Employee pays a copay or percentage of drug cost

    Supply
    Covers a 30-day supply for retail and specialty medications, and a 90-day supply for mail orders

    3 Essentials plans by drug tier (Tier 1/ 2 / 3 / 4)

    $15/$30/$60/30%

    $10/$25/$55/30%

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

    8 other pharmacy plans by drug tier (Tier 1/ 2 / 3 / 4)

    $10/$25/$50
    $15/$30/$55 - $150

    $10/$35/$65
    $15/$30/$55 - $300

    $10/$50/$75/40%
    $15/$45/$75

    $15/$30/$55
    $20/$50/50%/30%

    3. Choose a dental plan

    Add one of our dental plans for comprehensive coverage.

    Optima dental plans

    Provider network
    Our dental plans feature a broad network with more than 267,000 locations nationwide

    Orthodontia coverage
    Plans "with ortho" feature orthodontia coverage for all ages

    Waiting period
    The Optima Voluntary plan requires a 12-month waiting period for major dental services

    15 dental plans, by annual maximum

    Optima plans
    $1,000
    $1,500
    $2,000
    $2,500

    Optima plans with ortho
    $1,000
    $1,500
    $2,000
    $2,500

    Optima Flex plans
    $1,000
    $1,500

    Optima Flex plans with ortho
    $1,500

    Optima Voluntary
    $1,000
    $1,500

    Optima 1500 Enhanced
    $1,500

    Optima Flex 1500 Shared Family
    $1,500

  •  

    Get a quote for your business

    Get a quote today

    We'll work with you to find the best health plan options for your employees and budget.