All plans

Compare every plan, side by side

Five full medical plans and four optional add-ons. Pricing is flat nationwide and does not change with your age, so the only thing that moves the price is how many people are on the policy.

Who needs coverage?

Only show what differs

Enter your current plan to see differences highlighted.

Coverage	Platinum 1.2$799/mo	Gold 2.0$749/mo	Silver 3.2$679/mo	Bronze 4.4 HSA$579/mo	MVP$269/mo
Plan basics
Plan type	Full medical	Full medical	Full medical	Full medical; HSA-qualified	Catastrophic; HSA-qualified
Network	Cigna + PHCS	Cigna + PHCS	Cigna + PHCS	Cigna; PHCS referenced	PHCS only
What you pay before coverage
Individual deductible	$0	$1,000	$3,000	$6,000	$5,000
Family deductible	$0	$2,000	$6,000	$12,000	$10,000
Individual max out-of-pocket	$1,250	$3,500	$6,000	$7,000	$9,000
Family max out-of-pocket	$2,500	$7,000	$12,000	$14,000	$18,000
Plan pays after deductible	70%	80%	80%	70%	60%
Everyday care
Preventive care	$0	$0	$0	$0	$0
Primary care	$25 copay	$15 copay	$35 copay	30% after deductible	$50 copay
Specialist	$45 copay	$40 copay	$55 copay	30% after deductible	$75 copay
Urgent care	$45 copay	$40 copay	$55 copay	30% after deductible	$75 copay
Mental health office visit	$25 copay	$15 copay	$35 copay	30% after deductible	$50 copay
Telemedicine	$0 through Opyn	$0 through Opyn	$0 through Opyn	Included	Included
Major medical
Emergency room	$300 copay	$300 copay	$500 copay	30% after deductible	$500 copay, then 40% after deductible
Hospital inpatient	70% after deductible	80% after deductible	80% after deductible	70% after deductible	60% after deductible
Outpatient surgery	70% after deductible	80% after deductible	80% after deductible	70% after deductible	60% after deductible
Labs and X-rays	70% after deductible	80% after deductible	80% after deductible	70% after deductible	60% after deductible
MRI / CT / PET	70% after deductible	80% after deductible	80% after deductible	70% after deductible	60% after deductible
Maternity and delivery	70% after deductible	80% after deductible	80% after deductible	70% after deductible	60% after deductible
Prescriptions
Prescription coverage	Full Rx benefit	Full Rx benefit	Full Rx benefit	Full Rx after deductible	Discount card only
Generic Rx	$0	$0	$0	0% after deductible	Discount only
Preferred brand Rx	$35	$35	$35	25% after deductible	Discount only
Non-preferred Rx	$75	$75	$75	45% after deductible	Discount only
Specialty Rx	$200	$200	$200	30% after deductible	Not covered
Networks and extras
Out-of-network coverage	Yes; generally 50% after OON deductible	Yes; generally 50% after OON deductible	Yes; generally 50% after OON deductible	Yes; generally 50% after OON deductible	Generally not covered
HSA-qualified	No	No	No	Yes	Yes

Optional add-ons

Prices are per month for the household size selected above.

Vision & Dental$79/moRoutine eye care, glasses, and dental from cleanings through orthodontics

Class 1 diagnostic and preventive dental covered 100%
Class 2 basic dental, such as fillings and simple extractions, covered 80%
Class 3 major dental, such as crowns, bridges, and dentures, covered 50%
Class 4 orthodontics covered 50%, with lifetime orthodontic services while covered

Cannot be bought on its own. Benefit Airship requires it to be paired with a full medical plan.

BASE (BAS Essential)$59.95/moUnlimited virtual care, powered by Amaze

Virtual primary care at $0
Virtual urgent care 24/7 at $0
Virtual specialty care at $0
Virtual mental health and counselling at $0

Virtual care only. Benefit Airship is explicit that BASE cannot be used for in-person visits, and its prescription benefit is a discount, not coverage.

BAS Accident$49.95/moCash benefits for covered accidental injuries

Fractures, cuts, burns, and dislocations
Emergency care, stitches, and casts
X-rays, imaging, and diagnostics related to an injury
Emergency ambulance transportation when medically necessary

Supplemental. Benefit Airship states it does not replace medical insurance; it offsets costs from an accident.

BAS Hospital$129.95/moHospital indemnity that helps cover a large deductible

Pays a fixed benefit on a covered hospital admission
Pairs well with a high-deductible plan, where the first several thousand dollars of a hospital stay fall on the member

Supplemental. It pays a set amount rather than a share of the bill, so it reduces exposure without being medical coverage.

Confirm these before you enroll

Benefit Airship's own materials state these inconsistently. We show them rather than pick a side.

Silver maximum out-of-pocket. Benefit Airship's own site gives two different figures. Their plan comparison card shows a $10,000 individual out-of-pocket maximum; their detailed coverage summary shows $6,000. The cost model below follows the $6,000 detail figure. This changes where Silver ranks in a heavy-use year, so confirm it before enrolling.
Network naming. The carrier named for the full-medical plans is inconsistent across Benefit Airship's own pages: the plan comparison table says United Healthcare, the Silver detail tab says Cigna as primary with PHCS secondary, and the 2026 plan summaries say Cigna plus PHCS. Confirm which network actually applies before relying on a provider search.
Bronze network. Confirm whether PHCS is an active secondary network in addition to Cigna. Benefit Airship's comparison card lists Bronze as United Healthcare.
Bronze primary care wording. The formal benefit summary applies the deductible to primary care, but the website says otherwise. The cost model below follows the benefit summary.
MVP HSA status. Confirm HSA compatibility with the plan administrator, because the office-visit copays may affect qualification.

Find the right plan for me

Transcribed from the Benefit Airship 5-plan comparison (benefitairship.com/pages/affordable-benefit-plans and linked 2026 plan summaries) and re-checked against the live benefitairship.com plan pages on 2026-08-04. Benefits, rates, eligibility, underwriting, exclusions, and network access are governed by the controlling plan documents.