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.

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 2023 Marketplace Options (PDF)
See 2023 Direct Options (PDF)

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 2023 Marketplace Plan Options (PDF)
See 2023 Direct Plan Options (PDF)

You keep yourself healthy with regular visits to your PCP. Our Copay PCP plans keep your premiums low, and offer you the best value for your regular PCP visits and generic prescription drugs.

  • Affordable primary care and generic drug copays to cover your health concerns and maintenance.
  • Affordable deductible and coinsurance options.
  • An easy way to maintain or build your relationship with your provider.
  • Lower monthly premium savings.

2023 Plan Options - Marketplace (PDF)


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.


2023 Marketplace Options (PDF)
2023 Direct Plan Options (PDF)

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 2023 Marketplace Plan Options (PDF)
View 2023 Direct Plan Options (PDF)

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 2023 Marketplace Options (PDF)

Simplify your shopping experience with standard plans. Standard plans make it easy to shop across all of the important services you need. Our standard plans are offered at every network type, metal tier, and in every service area that we offer coverage.

See 2023 Marketplace 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.