HSA Compatible

HSA 3500

PHCS / Multiplan Network

The HSA 3500 is a high-deductible major medical plan on the PHCS network designed for working individuals who want broad coverage and the ability to save money tax-free through a Health Savings Account. It is a good fit for generally healthy people who want protection against large medical bills while keeping monthly premiums lower. Preventive care is covered at no cost, and the plan covers everything from doctor visits to hospital stays, surgery, mental health, and pregnancy.

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Monthly premiums

member_only: $672.36/mo
child: $1,166.45/mo
spouse: $1,281.93/mo
family: $1,770.10/mo

The HSA 3500 plan is a PPO-style major medical plan that uses the nationwide PHCS/Multiplan network, giving you access to in-network providers across all 50 states without needing a referral to see a specialist. The plan has a $3,500 individual deductible, meaning you pay the first $3,500 of covered medical costs each year before the plan starts sharing costs with you. After you meet your deductible, you pay 30% of covered in-network costs and the plan pays the remaining 70%, up to an individual out-of-pocket maximum of $7,000 per year. Preventive care services are covered at no charge even before you meet your deductible, so routine checkups and screenings will not cost you anything out of pocket. Because this is an IRS-qualified High Deductible Health Plan (HDHP), you are eligible to open and contribute to a Health Savings Account (HSA) — and this plan connects you with a free HSA through Lively. In 2025, you can contribute up to $4,300 tax-free as an individual (or $8,550 for family coverage) to use for qualified medical expenses like doctor visits, prescriptions, dental care, vision care, and more. Your HSA balance rolls over from year to year with no hidden fees, making it a powerful tool for building a healthcare safety net over time. The plan covers a wide range of services including primary and specialist care, urgent care, emergency room visits, inpatient and outpatient surgery, mental health and substance abuse treatment, pregnancy and maternity care, lab work, imaging, chiropractic care (up to 30 visits per year), and home health care (up to 200 visits per year). Prescription drugs are also covered — preventive generics are available at no cost, while non-preventive generics, brand, and specialty drugs are subject to the deductible and 30% coinsurance. Note that specialty drugs require prior authorization, and many services such as inpatient hospital stays and surgeries also require prior authorization before you receive care — failing to get authorization can significantly reduce your benefits. This plan is best suited for working individuals in generally good health who want comprehensive major medical coverage at a potentially lower monthly premium and are comfortable paying more out of pocket for routine care in exchange for that savings. Keep in mind that this plan requires applicants to be working, is not guaranteed issue (health questions are required), and does not cover services like routine dental, vision, skilled nursing facilities, or care received outside the United States. The plan also includes a $20,000 Humana life insurance benefit for the primary member at no additional cost.

Plan details

Deductible (Individual): $3,500
Deductible (Family): $7,000
Out-of-Pocket Max (Individual): $7,000
Out-of-Pocket Max (Family): $14,000
Coinsurance (In-Network): 30%

Benefits

Deductible
$3,500 / $7,000
OON: $7,500 / $15,000
Max Out of Pocket
$7,000 / $14,000
OON: $17,500 / $35,000
Coinsurance
30% after deductible
Rx Coverage
$0 / 30%
Preventive generic / Others after deductible
Pregnancy
Covered
Mental Health
Covered
Inpatient & outpatient — 30% after deductible
Life Insurance
$20,000 Humana
Primary Member Only
HSA Account
Lively HSA
Work Requirement
Must be working

HSA 3500

Monthly premiums

Plan details

Benefits

Plan documents

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