Silver plans are the middle ground, perfect for employees who see their doctor a few times a year and want affordable coverage for the unexpected. Silver plans have a lower monthly premium than gold plans, but a higher deductible means they will pay more out-of-pocket when they use their coverage.

A great option for your more cost-conscious employees, the Silver HSA Qualified plan offers silver level coverage that can be combined with a pre-tax Health Savings Account (HSA). HSAs can be used to pay for qualified medical expenses like co-pays and deductibles.