Affordable Insurance Plans, Transparent Rates.

See estimated monthly premiums across age groups and coverage levels. All rates are approximate and subject to change.

health insurance plans & Rates

Plans and Rates

Premiums vary by age, coverage level, and plan design. Below are sample estimated monthly rates for two plan types.

Lowest-Cost Plans Minimum Essential Coverage and Minimum Value Plans with copay only.
Lower-Cost Plans Higher deductible ($7,250) with coinsurance & copays for physicians and prescriptions.
Richer-Benefit Plans Lower deductible ($1,000) with coinsurance & copays for physicians and prescriptions.

Lowest-Cost Plans

Benefit	PPO 1	PPO 2	PPO 3	PPO 4	PPO 5
Deductible	$750	$250	$7,350	$5,000	$2,500
Coinsurance	100/0	100/0	70/30	70/30	70/30
Max Out of Pocket	Subject to Copay	Subject to Copay	$9,200	$6,550	$7,350
Preventive Services	$0	$0	$0	$0	$0
Teledoctor Services	$0	$0	$0	$0	$0
Primary Care Visits	$0	$0	$25	$0	$25
Specialist Visits	$50 after Ded	$50 after Ded	$40	$0	$40
Urgent Care Visits	$0	$0	$100	$0	$60
Labs/Radiology	$50 after Ded	$50 after Ded	30% after Ded	30% after Ded	30% after Ded
CT/PET/MRI/EKG	$250 after Ded	$250 after Ded	—	—	—
Emergency Room	$250 after Ded	$250 after Ded	30% after Ded	30% after Ded	30% after Ded
Outpatient Procedure	$250 after Ded	$250 after Ded	30% after Ded	30% after Ded	30% after Ded
Inpatient/Hospital	$1,000 after Ded	$1,000 after Ded	30% after Ded	30% after Ded	30% after Ded
Maternity/Delivery	$500 after Ded	$500 after Ded	30% after Ded	30% after Ded	30% after Ded
Prescriptions	$0 generic (mail order only for Maint Rx)	$10 generic, $105 Brand	30% after Ded	—	$10 generic, $45 Brand

▸ Monthly Rates — Ages 18–29

Coverage Tier	PPO 1	PPO 2	PPO 3	PPO 4	PPO 5
Employee Only	$289	$329	$579	$607	$784
Employee + Spouse	$579	$619	$933	$983	$1,302
Employee + Child(ren)	$559	$599	$1,019	$1,075	$1,429
Employee + Family	$799	$849	$1,464	$1,547	$2,079

▸ Monthly Rates — Ages 30–44

Coverage Tier	PPO 1	PPO 2	PPO 3	PPO 4	PPO 5
Employee Only	$329	$379	$596	$626	$810
Employee + Spouse	$619	$679	$964	$1,016	$1,348
Employee + Child(ren)	$589	$649	$1,054	$1,111	$1,480
Employee + Family	$839	$909	$1,602	$1,602	$2,155

▸ Monthly Rates — Ages 45–54

Coverage Tier	PPO 1	PPO 2	PPO 3	PPO 4	PPO 5
Employee Only	$359	$409	$618	$649	$848
Employee + Spouse	$659	$699	$1,003	$1,057	$1,417
Employee + Child(ren)	$629	$679	$1,097	$1,157	$1,556
Employee + Family	$889	$929	$1,580	$1,670	$2,270

▸ Monthly Rates — Ages 55–64

Coverage Tier	PPO 1	PPO 2	PPO 3	PPO 4	PPO 5
Employee Only	$409	$449	$662	$695	$944
Employee + Spouse	$669	$709	$1,082	$1,141	$1,590
Employee + Child(ren)	$639	$689	$1,185	$1,250	$1,749
Employee + Family	$909	$949	$1,712	$1,811	$2,559

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Lower-Cost Plans $7,250 Deductible

▸ Ages 18–29

Coverage Tier	PPO 1	PPO 2	PPO 3
Employee	$510.48	$570.48	$590.48
Employee + Spouse	$878.63	$958.63	$978.63
Employee + Child(ren)	$807.06	$887.06	$907.06
Family	$1,251.94	$1,351.94	$1,371.94

▸ Ages 30–44

Coverage Tier	PPO 1	PPO 2	PPO 3
Employee	$524.80	$584.80	$604.80
Employee + Spouse	$907.26	$987.26	$1,007.26
Employee + Child(ren)	$832.83	$912.83	$932.83
Family	$1,294.89	$1,394.89	$1,414.89

▸ Ages 45–54

Coverage Tier	PPO 1	PPO 2	PPO 3
Employee	$547.79	$607.79	$627.79
Employee + Spouse	$948.11	$1,028.11	$1,048.11
Employee + Child(ren)	$870.11	$950.11	$970.11
Family	$1,353.59	$1,453.59	$1,473.59

▸ Ages 55–64

Coverage Tier	PPO 1	PPO 2	PPO 3
Employee	$579.33	$639.33	$659.33
Employee + Spouse	$1,016.32	$1,096.32	$1,116.32
Employee + Child(ren)	$930.98	$1,010.98	$1,030.98
Family	$1,458.47	$1,558.47	$1,578.47

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Richer-Benefit Plans $1,000 Deductible

▸ Ages 18–29

Coverage Tier	PPO 1	PPO 2	PPO 3
Employee	$794.78	$854.78	$874.78
Employee + Spouse	$1,407.81	$1,487.81	$1,507.81
Employee + Child(ren)	$1,295.61	$1,375.61	$1,395.61
Family	$2,028.45	$2,128.45	$2,148.45

▸ Ages 30–44

Coverage Tier	PPO 1	PPO 2	PPO 3
Employee	$820.64	$880.64	$900.64
Employee + Spouse	$1,457.99	$1,537.99	$1,557.99
Employee + Child(ren)	$1,341.23	$1,421.23	$1,441.23
Family	$2,102.93	$2,202.93	$2,222.93

▸ Ages 45–54

Coverage Tier	PPO 1	PPO 2	PPO 3
Employee	$857.89	$917.89	$937.89
Employee + Spouse	$1,525.42	$1,605.42	$1,625.42
Employee + Child(ren)	$1,403.03	$1,483.03	$1,503.03
Family	$2,200.63	$2,300.63	$2,320.63

▸ Ages 55–64

Coverage Tier	PPO 1	PPO 2	PPO 3
Employee	$950.20	$1,010.20	$1,030.20
Employee + Spouse	$1,709.34	$1,789.34	$1,809.34
Employee + Child(ren)	$1,569.76	$1,649.76	$1,669.76
Family	$2,476.05	$2,576.05	$2,596.05

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Important: Rates shown are estimates only and may vary based on health questionnaires, underwriting, age, state, and carrier updates. Plans, deductibles, copays, and coinsurance are subject to change. Final premiums will be provided with your personalized quote.

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I founded Premier Shield Benefits to simplify a confusing industry and give people confidence in their coverage. Built on transparency, integrity, and customization, we help freelancers, families, and businesses protect what matters most. More than policies, it’s about shielding futures and securing peace of mind.

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