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Answer a few simple questions to narrow your plan search results. Based on your answers, the filters below will be pre-populated to display the plans that may be best matched for you. To further narrow your choices, you can customize plan results by updating the "Filter By:" categories.


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Out-of-pocket Cost Calculator

Plan Scope

Figuring out which insurance plan will work best with your budget and your expected medical care can be hard.

This tool can give you a rough idea of what your full cost of medical care will be. It isn't exact, we'll use estimates for things like surgeries and prescriptions, but it will give you a better idea of what to expect with each plan.

Let's get a good idea of what your needs will be.

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HMO
  • PA 500
    2014
    HMO
    Monthly premium: Get Price
    Deductible (family): $1,000.00
    Office Visit: $10 copay
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    PA 500

    Deductible (family): $1,000.00
    Office Visit: $10 copay
    Coinsurance: 20%
    Prescription Costs: $5/$40/50%/50%
    Monthly premium: Get Price
    Out-of-pocket Limit: $ 3,000.00
    Potential Yearly Cost what's this ? Potential Yearly Cost derived from the out-of-pocket cost calculator is an estimate based on average cost of service in market. The results are meant to be a guide and are not actual costs.
    Premium: $ 0.00
    Out-of-pocket: $ 0.00
    Total Cost: $ 0.00
    This plan is best for:
    • Ideal for those who visit the doctor frequently or have a chronic condition
    • A plan focused on preventive care; members choose a primary doctor to coordinate their care
    • Includes vision and prescription coverage
    • Higher monthly premium and lower out-of-pocket costs
  • PA 1000 Direct
    2014
    HMO
    Monthly premium: Get Price
    Deductible (family): $2,000.00
    Office Visit: $20 copay
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    PA 1000 Direct

    Deductible (family): $2,000.00
    Office Visit: $20 copay
    Coinsurance: 20%
    Prescription Costs: $10/$60/50%/50%
    Monthly premium: Get Price
    Out-of-pocket Limit: $ 7,000.00
    Potential Yearly Cost what's this ? Potential Yearly Cost derived from the out-of-pocket cost calculator is an estimate based on average cost of service in market. The results are meant to be a guide and are not actual costs.
    Premium: $ 0.00
    Out-of-pocket: $ 0.00
    Total Cost: $ 0.00
    This plan is best for:
    • Ideal for those who see doctors and specialists several times a year.
    • A plan focused on preventive care; members choose a primary doctor to coordinate their care
    • Higher monthly premium and lower out-of-pocket costs
    • Includes vision and prescription coverage
  • PA 2500 Direct
    2014
    HMO
    Monthly premium: Get Price
    Deductible (family): $5,000.00
    Office Visit: $30 copay
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    PA 2500 Direct

    Deductible (family): $5,000.00
    Office Visit: $30 copay
    Coinsurance: 20%
    Prescription Costs: $15/$60/50%/50%
    Monthly premium: Get Price
    Out-of-pocket Limit: $ 10,000.00
    Potential Yearly Cost what's this ? Potential Yearly Cost derived from the out-of-pocket cost calculator is an estimate based on average cost of service in market. The results are meant to be a guide and are not actual costs.
    Premium: $ 0.00
    Out-of-pocket: $ 0.00
    Total Cost: $ 0.00
    This plan is best for:
    • Ideal for individuals and families who visit a doctor several times a year in addition to yearly check-ups
    • A plan focused on preventive care; members choose a primary doctor to coordinate their care
    • A balance between monthly premium and out-of-pocket cost
    • Includes vision care and prescription coverage
  • PA 5000
    2014
    HMO
    Monthly premium: Get Price
    Deductible (family): $10,000.00
    Office Visit: $40 copay
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    PA 5000

    Deductible (family): $10,000.00
    Office Visit: $40 copay
    Coinsurance: 20%
    Prescription Costs: $25/$100/50%/50%
    Monthly premium: Get Price
    Out-of-pocket Limit: $ 12,700.00
    Potential Yearly Cost what's this ? Potential Yearly Cost derived from the out-of-pocket cost calculator is an estimate based on average cost of service in market. The results are meant to be a guide and are not actual costs.
    Premium: $ 0.00
    Out-of-pocket: $ 0.00
    Total Cost: $ 0.00
    This plan is best for:
    • Ideal for individuals who want a low monthly premium, but peace of mind coverage for office visits, preventive care, and Emergency care.
    • A high deductible plan for those who don’t visit a health care provider very often.
    • A plan focused on preventive care; members choose a primary doctor to coordinate their care.
    • Includes vision care and prescription coverage
  • PA 500
    2014
    HMO
    Monthly premium: Get Price
    Deductible (family): $1,000.00
    Office Visit: $10 copay
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    PA 500

    Deductible (family): $1,000.00
    Office Visit: $10 copay
    Coinsurance: 20%
    Prescription Costs: $5/$40/50%/50%
    Monthly premium: Get Price
    Out-of-pocket Limit: $ 3,000.00
    Potential Yearly Cost what's this ? Potential Yearly Cost derived from the out-of-pocket cost calculator is an estimate based on average cost of service in market. The results are meant to be a guide and are not actual costs.
    Premium: $ 0.00
    Out-of-pocket: $ 0.00
    Total Cost: $ 0.00
    This plan is best for:
    • Ideal for those who visit the doctor frequently or have a chronic condition
    • A plan focused on preventive care; members choose a primary doctor to coordinate their care
    • Includes vision and prescription coverage
    • Higher monthly premium and lower out-of-pocket costs
    • Help from the government may be available to lower your costs
  • PA 1000
    2014
    HMO
    Monthly premium: Get Price
    Deductible (family): $2,000.00
    Office Visit: $20 copay
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    PA 1000

    Deductible (family): $2,000.00
    Office Visit: $20 copay
    Coinsurance: 0%
    Prescription Costs: $15/$60/50%/50%
    Monthly premium: Get Price
    Out-of-pocket Limit: $ 6,000.00
    Potential Yearly Cost what's this ? Potential Yearly Cost derived from the out-of-pocket cost calculator is an estimate based on average cost of service in market. The results are meant to be a guide and are not actual costs.
    Premium: $ 0.00
    Out-of-pocket: $ 0.00
    Total Cost: $ 0.00
    This plan is best for:
    • Ideal for those who want a plan with a low deductible and zero coinsurance
    • A plan focused on preventive care; members choose a primary doctor to coordinate their care
    • Includes vision and prescription coverage
    • Higher monthly premium and lower out-of-pocket costs
    • Help from the government may be available to lower your costs
  • PA 2500
    2014
    HMO
    Monthly premium: Get Price
    Deductible (family): $5,000.00
    Office Visit: $30 copay
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    PA 2500

    Deductible (family): $5,000.00
    Office Visit: $30 copay
    Coinsurance: 20%
    Prescription Costs: $20/$60/50%/50%
    Monthly premium: Get Price
    Out-of-pocket Limit: $ 12,700.00
    Potential Yearly Cost what's this ? Potential Yearly Cost derived from the out-of-pocket cost calculator is an estimate based on average cost of service in market. The results are meant to be a guide and are not actual costs.
    Premium: $ 0.00
    Out-of-pocket: $ 0.00
    Total Cost: $ 0.00
    This plan is best for:
    • Ideal for price-concious people who want a balance between their monthly premium and out-of-pocket costs
    • For those who get yearly check-ups but need little specialty care
    • A plan focused on preventive care; members choose a primary doctor to coordinate their care
    • Includes vision care and prescription coverage
    • Help from the government may be available to lower your cost
  • PA 5000
    2014
    HMO
    Monthly premium: Get Price
    Deductible (family): $10,000.00
    Office Visit: $40 copay
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    PA 5000

    Deductible (family): $10,000.00
    Office Visit: $40 copay
    Coinsurance: 20%
    Prescription Costs: $25/$100/50%/50%
    Monthly premium: Get Price
    Out-of-pocket Limit: $ 12,700.00
    Potential Yearly Cost what's this ? Potential Yearly Cost derived from the out-of-pocket cost calculator is an estimate based on average cost of service in market. The results are meant to be a guide and are not actual costs.
    Premium: $ 0.00
    Out-of-pocket: $ 0.00
    Total Cost: $ 0.00
    This plan is best for:
    • Ideal for those who want peace of mind coverage for office visits, preventive care, and Emergency care
    • A plan focused on preventive care; members choose a primary doctor to coordinate their care
    • Includes vision care and prescription coverage
    • Low monthly premium and higher out-of-pocket costs
    • Help from the government may be available to lower your cost
PPO
  • PA 1500 Direct
    2014
    PPO
    Monthly premium: Get Price
    Deductible (family): $3,000.00
    Office Visit: $20 copay
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    PA 1500 Direct

    Deductible (family): $3,000.00
    Office Visit: $20 copay
    Coinsurance: 0%
    Prescription Costs: $15/$50/50%/50%
    Monthly premium: Get Price
    Out-of-pocket Limit: $ 7,000.00
    Potential Yearly Cost what's this ? Potential Yearly Cost derived from the out-of-pocket cost calculator is an estimate based on average cost of service in market. The results are meant to be a guide and are not actual costs.
    Premium: $ 0.00
    Out-of-pocket: $ 0.00
    Total Cost: $ 0.00
    This plan is best for:
    • Ideal for those who frequently visit specialists and prefer to do so without a referral
    • Increased provider choice with out-of-network coverage
    • Higher monthly premium lower out-of-pocket costs
    • Includes vision care and prescription coverage
  • PA 2000 Direct
    2014
    PPO
    Monthly premium: Get Price
    Deductible (family): $4,000.00
    Office Visit: $35 copay
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    PA 2000 Direct

    Deductible (family): $4,000.00
    Office Visit: $35 copay
    Coinsurance: 20%
    Prescription Costs: $20/$60/50%/50%
    Monthly premium: Get Price
    Out-of-pocket Limit: $ 9,000.00
    Potential Yearly Cost what's this ? Potential Yearly Cost derived from the out-of-pocket cost calculator is an estimate based on average cost of service in market. The results are meant to be a guide and are not actual costs.
    Premium: $ 0.00
    Out-of-pocket: $ 0.00
    Total Cost: $ 0.00
    This plan is best for:
    • Ideal for those who want a balance between their montly premium and out-of-pocket costs
    • Increased provider choice with out-of-network coverage; referrals are not required
    • Includes vision care and prescription coverage
  • PA 3000 Direct
    2014
    PPO
    Monthly premium: Get Price
    Deductible (family): $6,000.00
    Office Visit: $35 copay limit of 4 visits before deductible
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    PA 3000 Direct

    Deductible (family): $6,000.00
    Office Visit: $35 copay limit of 4 visits before deductible
    Coinsurance: 0%
    Prescription Costs: $20/$60/50%/50%
    Monthly premium: Get Price
    Out-of-pocket Limit: $ 12,000.00
    Potential Yearly Cost what's this ? Potential Yearly Cost derived from the out-of-pocket cost calculator is an estimate based on average cost of service in market. The results are meant to be a guide and are not actual costs.
    Premium: $ 0.00
    Out-of-pocket: $ 0.00
    Total Cost: $ 0.00
    This plan is best for:
    • Ideal for individuals and families who want a balance between montly premium and out-of-pocket costs
    • Increased provider choice with out-of-network coverage; referrals are not required
    • Includes vision care and prescription coverage
  • PA 6350
    2014
    PPO
    Monthly premium: Get Price
    Deductible (family): $12,700.00
    Office Visit: Limit of 3 visits then covered after deductible.
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    PA 6350

    Deductible (family): $12,700.00
    Office Visit: Limit of 3 visits then covered after deductible.
    Coinsurance: 0%
    Prescription Costs: Covered after deductible
    Monthly premium: Get Price
    Out-of-pocket Limit: $ 12,700.00
    Potential Yearly Cost what's this ? Potential Yearly Cost derived from the out-of-pocket cost calculator is an estimate based on average cost of service in market. The results are meant to be a guide and are not actual costs.
    Premium: $ 0.00
    Out-of-pocket: $ 0.00
    Total Cost: $ 0.00
  • PA 1500
    2014
    PPO
    Monthly premium: Get Price
    Deductible (family): $3,000.00
    Office Visit: $15 copay
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    PA 1500

    Deductible (family): $3,000.00
    Office Visit: $15 copay
    Coinsurance: 0%
    Prescription Costs: $10/$60/50%/50%
    Monthly premium: Get Price
    Out-of-pocket Limit: $ 7,000.00
    Potential Yearly Cost what's this ? Potential Yearly Cost derived from the out-of-pocket cost calculator is an estimate based on average cost of service in market. The results are meant to be a guide and are not actual costs.
    Premium: $ 0.00
    Out-of-pocket: $ 0.00
    Total Cost: $ 0.00
    This plan is best for:
    • Ideal for those who frequently visit specialists and prefer to do so without a referral
    • Increased provider choice with out-of-network coverage
    • Includes vision care and prescription coverage
    • Higher monthly premium and lower out-of-pocket costs
    • Help from the government may be available to lower your cost
  • PA 3000
    2014
    PPO
    Monthly premium: Get Price
    Deductible (family): $6,000.00
    Office Visit: $35 copay
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    PA 3000

    Deductible (family): $6,000.00
    Office Visit: $35 copay
    Coinsurance: 20%
    Prescription Costs: $10/$60/50%/50%
    Monthly premium: Get Price
    Out-of-pocket Limit: $ 12,700.00
    Potential Yearly Cost what's this ? Potential Yearly Cost derived from the out-of-pocket cost calculator is an estimate based on average cost of service in market. The results are meant to be a guide and are not actual costs.
    Premium: $ 0.00
    Out-of-pocket: $ 0.00
    Total Cost: $ 0.00
    This plan is best for:
    • Ideal for healthy individuals and families.who want a balance between their monthly premium and out-of-pocket costs
    • Increased provider choice with out-of-network coverage; referrals are not required
    • Includes vision care and prescription coverage
    • Help from the government may be available to lower your cost
  • PA 6350
    2014
    PPO
    Monthly premium: Get Price
    Deductible (family): $12,700.00
    Office Visit: Limit of 3 visits then covered after deductible.
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    PA 6350

    Deductible (family): $12,700.00
    Office Visit: Limit of 3 visits then covered after deductible.
    Coinsurance: 0%
    Prescription Costs: Covered After Deductible
    Monthly premium: Get Price
    Out-of-pocket Limit: $ 12,700.00
    Potential Yearly Cost what's this ? Potential Yearly Cost derived from the out-of-pocket cost calculator is an estimate based on average cost of service in market. The results are meant to be a guide and are not actual costs.
    Premium: $ 0.00
    Out-of-pocket: $ 0.00
    Total Cost: $ 0.00
    This plan is best for:
    • Ideal for those who are very healthy, under 30 years old and only want to cover major medical events
    • Increased provider choice with out-of-network coverage; referrals are not required
    • Lowest monthly premium and highest out-of-pocket costs
    • Help from the government may be available to lower your cost
PPO - HSA
  • PA 2000 Direct
    2014
    PPO - HSA
    Monthly premium: Get Price
    Deductible (family): $4,000.00
    Office Visit: Covered after deductible
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    PA 2000 Direct

    Deductible (family): $4,000.00
    Office Visit: Covered after deductible
    Coinsurance: 0%
    Prescription Costs: Covered after deductible
    Monthly premium: Get Price
    Out-of-pocket Limit: $ 4,000.00
    Potential Yearly Cost what's this ? Potential Yearly Cost derived from the out-of-pocket cost calculator is an estimate based on average cost of service in market. The results are meant to be a guide and are not actual costs.
    Premium: $ 0.00
    Out-of-pocket: $ 0.00
    Total Cost: $ 0.00
    This plan is best for:
    • Ideal for those who want a plan with a Health Savings Account (HSA) to help pay for out-of-pocket expenses
    • Increased provider choice with out-of-network coverage; referrals are not required
    • Higher monthly premium lower out-of-pocket costs
    • Includes vision care and the most popular prescription coverage option
  • PA 5000
    2014
    PPO - HSA
    Monthly premium: Get Price
    Deductible (family): $10,000.00
    Office Visit: Subject to deductible and coinsurance
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    PA 5000

    Deductible (family): $10,000.00
    Office Visit: Subject to deductible and coinsurance
    Coinsurance: 20%
    Prescription Costs: Subject to deductible and coinsurance
    Monthly premium: Get Price
    Out-of-pocket Limit: $ 12,700.00
    Potential Yearly Cost what's this ? Potential Yearly Cost derived from the out-of-pocket cost calculator is an estimate based on average cost of service in market. The results are meant to be a guide and are not actual costs.
    Premium: $ 0.00
    Out-of-pocket: $ 0.00
    Total Cost: $ 0.00
    This plan is best for:
    • Ideal for those who are extremely price concious and don't visit a health care provider very often
    • Increased provider choice with out-of-network coverage; referrals are not required
    • Includes vision care and prescription coverage
    • A Health Savings Account (HSA) to help pay for out-of-pocket expenses
    • Low montly premium and higher out-of-pocket costs
  • PA 5000
    2014
    PPO - HSA
    Monthly premium: Get Price
    Deductible (family): $10,000.00
    Office Visit: Subject to deductible and coinsurance
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    PA 5000

    Deductible (family): $10,000.00
    Office Visit: Subject to deductible and coinsurance
    Coinsurance: 20%
    Prescription Costs: Subject to deductible and coinsurance
    Monthly premium: Get Price
    Out-of-pocket Limit: $ 12,700.00
    Potential Yearly Cost what's this ? Potential Yearly Cost derived from the out-of-pocket cost calculator is an estimate based on average cost of service in market. The results are meant to be a guide and are not actual costs.
    Premium: $ 0.00
    Out-of-pocket: $ 0.00
    Total Cost: $ 0.00
    This plan is best for:
    • Ideal for those who are extremely price concious and don't visit a health care provider very often
    • Increased provider choice with out-of-network coverage; referrals are not required
    • Includes vision care and prescription coverage
    • A Health Savings Account (HSA) to help pay for out-of-pocket expenses
    • Low montly premium and higher out-of-pocket costs
    • Help from the government may be available to lower your cost
Pricing Disclaimer
This rating model has been designed to provide an estimate of rates for Individual HMO and PPO Plans. Rates are based on a base rate, benchmark plan factor, age band rate factor, tobacco factor, and geographic factor. The premium rates displayed are intended for existing business administrative changes only based on the current census information submitted. If this information changes before the desired effective date requested, these rates will no longer apply. Final rates are based on the birthdate at the time the policy becomes effective . The estimated rate is provided for informational purposes only and is not a final determination. Actual rates may vary due to rounding. Applicable taxes are embedded in rate.

Please contact HAP Sales for additional pricing information.
* Health Alliance Plan of Michigan received the highest numerical score among commercial health plans in Michigan in the proprietary J.D. Power 2008-2014 U.S. Member Health Plan StudiesSM. 2014 study based on 34,315 total member responses, measuring four plans in Michigan (excludes Medicare and Medicaid). Proprietary study results are based on experiences and perceptions of members surveyed December 2013 – January 2014. Your experiences may vary. Visit jdpower.com
Platinum Metal Tier
Ideal for those who visit the doctor frequently or have a chronic condition.
Gold Metal Tier
Ideal for those who see doctors and specialists several times a year.
Silver Metal Tier
Ideal for individuals and families who visit a doctor several times a year in addition to yearly check-ups.
Bronze Metal Tier
Ideal for those who are very healthy, under 30 years old and only want to cover major medical events.
Catastrophic
Ideal for those who are very healthy, under 30 years old and only want to cover major medical events.
Health Maintenance Organization
A form of health coverage that emphasizes preventive care. With an HMO, members prepay a premium for health services, which generally includes inpatient and outpatient care. For the member, it means reduced out-of-pocket costs and no paperwork.
Preferred Provider Organization
Members do not have a PCP. Members can self-refer, and receive a higher level of benefits when they receive care from participating providers, and a lower level of benefits when they receive care from non-participating providers.
Health Savings Account
Members do not have a PCP. Members can self-refer, and receive a higher level of benefits when they receive care from participating providers, and a lower level of benefits when they receive care from non-participating providers.
Health Savings Account
Members do not have a PCP. Members can self-refer, and receive a higher level of benefits when they receive care from participating providers, and a lower level of benefits when they receive care from non-participating providers.
Exclusive Provider Organization
A managed care program in which members receive care within a specific provider network. Although members must use the EPO provider network exclusively, they are not required to select a PCP. Although referrals are not required for specialty care, medical services received outside of the EPO network are not covered.
Government Plan Subsidized
Plan eligible for lower cost through the Health Insurance Marketplace.
iSelect
iSelect is a new, locally based private health insurance exchange.
SHOP
The Small Business Health Options Program (SHOP) is a federally facilitated marketplace.
HAP Sales
Purchase available through a HAP Agent or Producer or a HAP Sales Representative.
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HAP is here to help
The plan selected requires you to be redirected to the Health Insurance Marketplace to complete your application.
Before you click COMPLETE APPLICATION AT MARKETPLACE, write down the plan, including the metal tier, that you are interested in.

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Complete Application at Marketplace

If you have any questions, please call a HAP Sales Representative at (855) WITH-HAP between 8 a.m. - 6 p.m. EST Mon - Fri for one-on-one assistance. Prefer email?

Representatives are also available at the following locations to provide a private consultation and answer your health insurance questions with on-the-spot enrollment assistance.

HAP Corporate Customer Service Lobby
2850 West Grand Blvd.
Detroit, MI 48202
Mon - Fri 8:30 a.m. - 4:30 p.m.

HAP Tower 14 Customer Service Lobby
21700 Northwestern Hwy.
Southfield, MI 48075
Mon - Fri 8:30 a.m. - 4:30 p.m.
Troy Optimeyes
735 John R Rd.
Troy, MI 48083
Mon - Fri 8:30 a.m. - 8 p.m.
Sat 8 a.m. - 5 p.m.
Sun 11 a.m. - 4 p.m.
We look forward to welcoming you to the HAP family!