Health Plans

Our plans make it easy to offer your employees an affordable, comprehensive healthcare solution, whether you are a company of one or 10,000.

Comprehensive Health Care Solutions for Any Size Business

No two businesses are alike, and neither are their health insurance needs. Our robust selection of affordable plans gives you the freedom to choose what’s right for your business and your employees.

  • Different plans for different types of employees
  • Coverage for employees who work remotely or who have dependents living in a different region
  • Options that let your employees save tax-free money for qualified healthcare expenses
  • Alternative funding options that can help you reduce healthcare costs and put those gains back into your business

Coverage and Perks

Regardless of which plan you choose, rest assured that all Optima Health plans give its members a great value for the money that goes beyond traditional health insurance.

Great Coverage

  • Access to doctors nearby
  • Nationally ranked doctors and hospitals across hundreds of specialties
  • No referrals for any appointment — ever
  • Video visits with MDLIVE® available 24/7/365
  • Free preventive care like child immunizations, annual physicals, and more
  • Free counseling visits with local mental health professionals through Optima EAP

Great Value-Added Services

  • Personal, accessible customer service and after-hours care
  • Discounts on alternative medicine solutions like acupuncture and massage therapy
  • Suite of online tools for both employers and members, including web enrollment and plan management
  • An easy-to-use mobile app
  • Specialized health management programs for chronic conditions like asthma and diabetes
  • Treatment cost estimates by doctor and facility for more than 500 procedures

Product Lines

HMO: Vantage

  • No referrals required
  • Select your PCP
  • Open Access

PPO: Plus

  • Access to a national provider network at in-network rates
  • In- and out-of-network benefits


  • HMO/PPO hybrid plan
  • No specialty referrals
  • Out-of-network options

Funding Options

HSA: Equity

  • Employers and employees contribute tax-free income for qualified medical expenses.
  • Easy to manage, with integrated claims accessed through the Optima Health online portal.
  • There are no account management or HSA administration fees.

HRA: Design

  • Employer-funded health benefit plan that reimburses employees for some of their out-of-pocket medical expenses.
  • All unused funds remain with the employer.

Employer Group Plans

Groups with 1–50 Employees

For details about our plans for small groups see the comparison charts below.

Groups with 51 or More Employees

Request more information from a local broker.

Looking for even more options? Check out the flexibility of our BusinessEDGE® and BusinessEDGE eliteTM plans.

Want More Information?

Get detailed plan information from a local broker

Request a Quote

Why Optima Health?