Marketplace vs Direct

Plan options

We have health insurance plans to fit your lifestyle and budget. Whether you’re looking for a lower-premium plan, to limit your overall out-of-pocket, or even just for a catastrophic safety net plan, we’re here for you.

Family at a picnic withdad holding young child on his lap Do you want an innovative way to receive care? Our Copay Elite plans offer a lower office visit copay when you select a Tier 1 primary care provider. Learn more about our Copay Elite Plans.


See 2022 Marketplace Plan Options (PDF)
See 2022 Direct Plan Options (PDF)

Girl eating breakfast

Make it simple. The Classic Plan delivers both comprehensive coverage and simplicity, while offering dependable copay options for prescriptions.



See 2022 Marketplace Plan Options (PDF)
Woman with kids at breakfast

You don’t like surprise bills? This may be the plan for you. The Copay Plus plans feature:

  • Low copays for office visits and many prescription drugs
  • Affordable deductible and coinsurance options
  • An easy way to build a relationship with a provider


See 2022 Marketplace Options (PDF)
See 2022 Direct Options (PDF)
Couple ahopping at the farmers market

You’re a saver and prefer to take advantage of a Health Savings Account (HSA) to cover your medical bills. We have excellent choices for you! Combine a high-deductible health plan (HDHP) with an HSA for more financial freedom and flexibility.


View 2022 Marketplace Plan Options (PDF)
View 2022 Direct Plan Options (PDF)
Mother and son hugging

Safety Net Plans or Catastrophic Plans are available for those who:

  • Under the age 30
  • Meet income guidelines
  • Are comfortable with their health status

Our Safety Net Plan offers a high deductible and three FREE office visits. Remember that government price breaks are not available with the Safety Net Plan.

View 2022 Marketplace Options (PDF)
Father and son kayaking

Perhaps you prefer the lower premiums of a high-deductible plan as well as low out-of-pocket costs when you visit the doctor. Dean’s got you covered on that preference, too. We offer Value Copay Plan options that serve your needs.


2022 Marketplace Options (PDF)
2022 Direct Plan Options (PDF)

Learn more about our plans

Our plans not only offer the 10 essential health benefits, but $0 preventive services and additional benefits to put your health and wellness first: 

Metal tiers

All Individual & family plans are divided into metal categories. These categories show how you and your plan share costs. No matter which category your plan falls in, the quality of care does not change.

Network options

Dean Health Plan offers network options based on your location, the coverage level you're selecting and your care needs. Visit Find A Doctor to easily find excellent doctors available in our network. Contact us or your agent if you need help selecting the network that is right for you.