Gold plans are a great option for employees who see their doctor regularly, have ongoing prescription needs or those that may be starting a family. With a gold plan, employees pay more for their monthly premiums, but a lower deductible means less out-of-pocket costs when they use their coverage.

Split deductible plans offer separate deductibles for medical services and prescription drugs. This design helps reduce out-of-pocket costs for medications early in the plan year, especially for those with ongoing prescription needs. By splitting the deductibles, members have more flexibility and control in managing health care expenses throughout the year.