Confidential · Prepared November 3, 2026

BBB Education · All CoAdvantage plans

Every CoAdvantage plan, side by side

All 43 Aetna medical plans CoAdvantage quoted for BBB, plus every Guardian dental and vision plan, at CoAdvantage’s monthly rates. Your quote uses four of the medical plans, shaded green.

Back to the review

Your quote, medical for your 6 enrolled

$108,840

A year on MC 500, MC 2000, MC 6350 and MC HSA 3400, each matched to today’s plan

Renew Insperity, all in

$160,130

CoAdvantage, all in

$127,402

$32,728 less a year. Rates are held through September 30, 2027.

How to read the yearly rows: each one prices all 6 of your enrolled people (1 employee only, 1 employee + spouse, 4 family) on that single plan, so every plan compares evenly. Your quote mixes four plans to match what each person has today, for $108,840. “All in” adds the same $18,562 on every plan: CoAdvantage’s $10,350 fee, $733 workers’ comp, $559 EPLI, and $6,920 for Guardian Standard dental and VSP Plus vision.

Managed Choice plans 15 plans

Copays for doctor visits and prescriptions, and they still pay something if you see a doctor outside Aetna’s network, like today’s UHC Choice Plus plans. Three of your four quoted plans are here.

Deductibles $0 to $1,000

In networkMC 0 / 0%MC 300 / 10%In your quoteMC 500 / 20%For the 500 plan, 1 personMC 750 / 10%MC 1000 / 0%
DeductibleSingle / family$0 / $0$300 / $600$500 / $1,000$750 / $1,500$1,000 / $2,000
CoinsuranceAfter the deductible0%10%20%10%0%
Out-of-pocket maxSingle / family$7,000 / $14,000$3,000 / $6,000$3,500 / $7,000$4,000 / $8,000$7,500 / $13,000
Doctor / specialist$20 / $60$20 / $40$25 / $50$25 / $50$15 / $50
ER / urgent care$500 / $85$350 / $85$350 / $85$350 / $85$350 / $50ER after the deductible
Hospital stay$1,500Deductible, then 10%Deductible, then 20%Deductible, then 10%Deductible, then $400
PrescriptionsGeneric / brand / non-preferred$10 / $45 / $70$10 / $45 / $70$10 / $45 / $70$10 / $45 / $70$10 / $45 / $70
Out of network$500 / $1,000 deductible, then 50%$1,200 / $2,400 deductible, then 50%$1,500 / $3,000 deductible, then 50%$2,250 / $4,500 deductible, then 50%$4,000 / $8,000 deductible, then 50%
Monthly premium
Employee only1 enrolled$979.00$931.00$844.00$834.00$784.00
Employee + spouse1 enrolled$2,252.00$2,141.00$1,941.00$1,916.00$1,803.00
Employee + childrenNone enrolled$1,959.00$1,862.00$1,688.00$1,666.00$1,568.00
Family4 enrolled$3,036.00$2,886.00$2,616.00$2,583.00$2,431.00
Medical, a yearAll 6 on this plan$184,500$175,392$158,988$156,984$147,732
All in, first yearAdds the fee, workers’ comp, EPLI, dental and vision$203,062$193,954$177,550$175,546$166,294
Vs. renewing Insperity$160,130 all in$42,932 more$33,824 more$17,420 more$15,416 more$6,164 more
Swipe the table sideways to see every plan

Deductibles $1,000 to $3,000

In networkMC 1000 / 20%MC 1500 / 10%MC 2000 / 0%In your quoteMC 2000 / 20%For the 1500 and Primary Advantage plans, 2 peopleMC 3000 / 0%
DeductibleSingle / family$1,000 / $2,000$1,500 / $3,000$2,000 / $4,000$2,000 / $4,000$3,000 / $6,000
CoinsuranceAfter the deductible20%10%0%20%0%
Out-of-pocket maxSingle / family$4,500 / $9,000$5,500 / $11,000$5,500 / $11,000$6,850 / $13,700$6,000 / $12,000
Doctor / specialist$25 / $50$25 / $50$30 / $60$30 / $60$30 / $60
ER / urgent care$500 / $85$500 / $85$500 / $85$500 / $85$500 / $85
Hospital stayDeductible, then 20%Deductible, then 10%Deductible, then $600Deductible, then 20%Deductible, then $600
PrescriptionsGeneric / brand / non-preferred$10 / $45 / $70$10 / $45 / $70$10 / $45 / $70$10 / $45 / $70$10 / $50 / $80
Out of network$3,000 / $6,000 deductible, then 50%$3,000 / $6,000 deductible, then 50%$7,500 / $15,000 deductible, then 50%$6,000 / $12,000 deductible, then 50%$7,500 / $15,000 deductible, then 50%
Monthly premium
Employee only1 enrolled$734.00$712.00$738.00$658.00$651.00
Employee + spouse1 enrolled$1,689.00$1,638.00$1,700.00$1,515.00$1,497.00
Employee + childrenNone enrolled$1,468.00$1,425.00$1,478.00$1,318.00$1,302.00
Family4 enrolled$2,276.00$2,208.00$2,291.00$2,043.00$2,018.00
Medical, a yearAll 6 on this plan$138,324$134,184$139,224$124,140$122,640
All in, first yearAdds the fee, workers’ comp, EPLI, dental and vision$156,886$152,746$157,786$142,702$141,202
Vs. renewing Insperity$160,130 all insaves $3,244saves $7,384saves $2,344saves $17,428saves $18,928
Swipe the table sideways to see every plan

Deductibles $3,000 to $7,150

In networkMC 3000 / 30%MC 4000 / 20%MC 5000 / 30%In your quoteMC 6350 / 0%For the 6000 plan, 1 personMC 7150 / 0%
DeductibleSingle / family$3,000 / $6,000$4,000 / $8,000$5,000 / $10,000$6,350 / $12,700$7,150 / $14,300
CoinsuranceAfter the deductible30%20%30%0%0%
Out-of-pocket maxSingle / family$6,850 / $13,700$7,200 / $14,400$7,600 / $15,200$7,500 / $15,000$7,600 / $15,200
Doctor / specialist$40 / $80$30 / $75$40 / $80$25 / $25Specialist after the deductible$40 / $40Specialist after the deductible
ER / urgent care$500 / $85$350 / $85ER after the deductible$350 / $85ER after the deductibleFree after the deductibleFree after the deductible
Hospital stayDeductible, then 30%Deductible, then 20%Deductible, then 30%Free after the deductibleFree after the deductible
PrescriptionsGeneric / brand / non-preferred$10 / $45 / $70$15 / $50 / $80$15 / $55 / $90$15 / $55 / $90$15 / $55 / $90
Out of network$9,000 / $18,000 deductible, then 50%$8,000 / $16,000 deductible, then 50%$10,000 / $20,000 deductible, then 50%$14,000 / $28,000 deductible, then 50%$14,000 / $28,000 deductible, then 50%
Monthly premium
Employee only1 enrolled$605.00$583.00$546.00$464.00$451.00
Employee + spouse1 enrolled$1,391.00$1,341.00$1,257.00$1,067.00$1,039.00
Employee + childrenNone enrolled$1,209.00$1,166.00$1,093.00$928.00$903.00
Family4 enrolled$1,874.00$1,806.00$1,694.00$1,438.00$1,400.00
Medical, a yearAll 6 on this plan$113,904$109,776$102,948$87,396$85,080
All in, first yearAdds the fee, workers’ comp, EPLI, dental and vision$132,466$128,338$121,510$105,958$103,642
Vs. renewing Insperity$160,130 all insaves $27,664saves $31,792saves $38,620saves $54,172saves $56,488
Swipe the table sideways to see every plan

HSA plans 12 plans

High-deductible plans that work with a Health Savings Account, like the owners’ plan today. Most care goes toward the deductible first; preventive care is free. MC HSA plans cover out-of-network care; EPO HSA plans don’t.

Deductibles $2,000 to $4,000

In networkMC HSA 2000 / 0%EPO HSA 2000 / 0%In your quoteMC HSA 3400 / 10%For the owners’ HSA plan, 2 peopleEPO HSA 3500 / 20%EPO HSA 4000 / 0%MC HSA 4000 / 0%
DeductibleSingle / family$2,000 / $4,000Family meets the full $4,000 first$2,000 / $4,000Family meets the full $4,000 first$3,400 / $6,800$3,500 / $7,000$4,000 / $8,000$4,000 / $8,000
CoinsuranceAfter the deductible0%0%10%20%0%0%
Out-of-pocket maxSingle / family$3,500 / $7,000$3,500 / $7,000$5,500 / $11,000$6,500 / $13,000$7,000 / $14,000$7,000 / $14,000
Doctor / specialistDeductible, then $30 / $60Deductible, then $30 / $60Deductible, then 10%Deductible, then 20%Deductible, then $30 / $60Deductible, then $30 / $60
ER / urgent careDeductible, then $350 / $85Deductible, then $350 / $85Deductible, then 10%Deductible, then 20%Deductible, then $350 / $85Deductible, then $350 / $85
Hospital stayDeductible, then $500 a day, up to $1,500Deductible, then $500 a day, up to $1,500Deductible, then 10%Deductible, then 20%Deductible, then $500Deductible, then $500
PrescriptionsGeneric / brand / non-preferredDeductible, then $10 / $45 / $70Deductible, then $10 / $45 / $70Deductible, then $10 / $45 / $70Deductible, then $10 / $45 / $70Deductible, then $10 / $45 / $70Deductible, then $10 / $45 / $70
Out of network$6,000 / $12,000 deductible, then 50%Not covered$6,000 / $12,000 deductible, then 50%Not coveredNot covered$8,000 / $16,000 deductible, then 50%
Monthly premium
Employee only1 enrolled$638.00$604.00$521.00$468.00$487.00$460.00
Employee + spouse1 enrolled$1,467.00$1,388.00$1,198.00$1,074.00$1,120.00$1,059.00
Employee + childrenNone enrolled$1,277.00$1,206.00$1,042.00$934.00$974.00$921.00
Family4 enrolled$1,978.00$1,870.00$1,615.00$1,449.00$1,510.00$1,427.00
Medical, a yearAll 6 on this plan$120,204$113,664$98,148$88,056$91,764$86,724
All in, first yearAdds the fee, workers’ comp, EPLI, dental and vision$138,766$132,226$116,710$106,618$110,326$105,286
Vs. renewing Insperity$160,130 all insaves $21,364saves $27,904saves $43,420saves $53,512saves $49,804saves $54,844
Swipe the table sideways to see every plan

Deductibles $5,000 to $6,350

In networkMC HSA 5000 / 20%EPO HSA 5000 / 20%MC HSA 5900 / 0%EPO HSA 5900 / 0%EPO HSA 6000 / 20%MC HSA 6350 / 0%
DeductibleSingle / family$5,000 / $10,000$5,000 / $10,000$5,900 / $11,800$5,900 / $11,800$6,000 / $12,000$6,350 / $12,700
CoinsuranceAfter the deductible20%20%0%0%20%0%
Out-of-pocket maxSingle / family$6,850 / $13,700$6,850 / $13,700$6,700 / $13,400$6,700 / $13,400$6,500 / $13,000$6,350 / $12,700
Doctor / specialistDeductible, then 20%Deductible, then 20%Deductible, then $30 / $60Deductible, then $30 / $60Deductible, then 20%Free after the deductible
ER / urgent careDeductible, then 20%Deductible, then 20%Deductible, then $350 / $85Deductible, then $350 / $85Deductible, then 20%Free after the deductible
Hospital stayDeductible, then 20%Deductible, then 20%Deductible, then $500Deductible, then $500Deductible, then 20%Free after the deductible
PrescriptionsGeneric / brand / non-preferredDeductible, then $10 / $45 / $70Deductible, then $10 / $45 / $70Deductible, then $10 / $45 / $70Deductible, then $10 / $45 / $70Deductible, then $10 / $45 / $70Free after the deductible
Out of network$10,000 / $20,000 deductible, then 50%Not covered$12,000 / $24,000 deductible, then 50%Not coveredNot covered$14,000 / $28,000 deductible, then 50%
Monthly premium
Employee only1 enrolled$444.00$433.00$433.00$422.00$418.00$450.00
Employee + spouse1 enrolled$1,019.00$997.00$998.00$971.00$960.00$1,035.00
Employee + childrenNone enrolled$887.00$866.00$868.00$844.00$835.00$900.00
Family4 enrolled$1,374.00$1,343.00$1,345.00$1,308.00$1,294.00$1,396.00
Medical, a yearAll 6 on this plan$83,508$81,624$81,732$79,500$78,648$84,828
All in, first yearAdds the fee, workers’ comp, EPLI, dental and vision$102,070$100,186$100,294$98,062$97,210$103,390
Vs. renewing Insperity$160,130 all insaves $58,060saves $59,944saves $59,836saves $62,068saves $62,920saves $56,740
Swipe the table sideways to see every plan

EPO plans 16 plans

Copay plans that use Aetna’s network only: nothing is paid outside the network except emergencies. That is why they cost less than a Managed Choice plan with the same deductible.

Deductibles $0 to $1,500

In networkEPO 0 / 0%EPO 0 / 0% / 30EPO 0 / 30%EPO 1000 / 30%EPO 1500 / 0%EPO 1500 / 20%
DeductibleSingle / family$0 / $0$0 / $0$0 / $0$1,000 / $2,000$1,500 / $3,000$1,500 / $3,000
CoinsuranceAfter the deductible0%0%30%30%0%20%
Out-of-pocket maxSingle / family$4,000 / $8,000$8,000 / $16,000$5,000 / $10,000$5,000 / $10,000$5,000 / $10,000$6,000 / $12,000
Doctor / specialist$25 / $50$30 / $90$30 / $60$30 / $60$30 / $60$30 / $60
ER / urgent care$350 / $85$750 / $85$500 / $85$500 / $85$500 / $85$500 / $85
Hospital stay$300 a day, up to $1,500$2,000$750, then 30%Deductible, then 30%Deductible, then $300 a day, up to $1,500Deductible, then 20%
PrescriptionsGeneric / brand / non-preferred$10 / $45 / $70$15 / $55 / $90$10 / $45 / $70$10 / $45 / $70$10 / $45 / $70$10 / $45 / $70
Monthly premium
Employee only1 enrolled$896.00$808.00$764.00$683.00$710.00$664.00
Employee + spouse1 enrolled$2,062.00$1,857.00$1,759.00$1,573.00$1,633.00$1,528.00
Employee + childrenNone enrolled$1,793.00$1,615.00$1,530.00$1,368.00$1,421.00$1,328.00
Family4 enrolled$2,778.00$2,503.00$2,370.00$2,120.00$2,202.00$2,058.00
Medical, a yearAll 6 on this plan$168,840$152,124$144,036$128,832$133,812$125,088
All in, first yearAdds the fee, workers’ comp, EPLI, dental and vision$187,402$170,686$162,598$147,394$152,374$143,650
Vs. renewing Insperity$160,130 all in$27,272 more$10,556 more$2,468 moresaves $12,736saves $7,756saves $16,480
Swipe the table sideways to see every plan

Deductibles $2,000 to $6,350

In networkEPO 2000 / 30%EPO 3000 / 0%EPO 3000 / 30%EPO 4000 / 30%EPO 5000 / 0%EPO 6350 / 20%
DeductibleSingle / family$2,000 / $4,000$3,000 / $6,000$3,000 / $6,000$4,000 / $8,000$5,000 / $10,000$6,350 / $12,700
CoinsuranceAfter the deductible30%0%30%30%0%20%
Out-of-pocket maxSingle / family$6,500 / $13,000$6,000 / $12,000$6,850 / $13,700$6,900 / $13,800$7,350 / $14,700$7,800 / $15,600
Doctor / specialist$35 / $70$30 / $60$40 / $80$40 / $80$35 / $75$40 / $80
ER / urgent care$500 / $85$500 / $85$500 / $85$350 / $85ER after the deductible$350 / $85ER after the deductible$350 / $85ER after the deductible
Hospital stayDeductible, then 30%Deductible, then $600Deductible, then 30%Deductible, then 30%Deductible, then $500 a day, up to $1,500Deductible, then 20%
PrescriptionsGeneric / brand / non-preferred$10 / $45 / $70$10 / $50 / $80$10 / $50 / $80$10 / $50 / $80$10 / $50 / $80$15 / $55 / $90
Monthly premium
Employee only1 enrolled$617.00$629.00$587.00$554.00$542.00$475.00
Employee + spouse1 enrolled$1,420.00$1,448.00$1,351.00$1,274.00$1,246.00$1,092.00
Employee + childrenNone enrolled$1,234.00$1,259.00$1,175.00$1,109.00$1,084.00$950.00
Family4 enrolled$1,913.00$1,951.00$1,821.00$1,717.00$1,680.00$1,473.00
Medical, a yearAll 6 on this plan$116,268$118,572$110,664$104,352$102,096$89,508
All in, first yearAdds the fee, workers’ comp, EPLI, dental and vision$134,830$137,134$129,226$122,914$120,658$108,070
Vs. renewing Insperity$160,130 all insaves $25,300saves $22,996saves $30,904saves $37,216saves $39,472saves $52,060
Swipe the table sideways to see every plan

Deductibles $7,150 to $8,700

In networkEPO 7150 / 0%EPO 8000 / 0%EPO 8000 / 20%EPO 8700 / 0%
DeductibleSingle / family$7,150 / $14,300$8,000 / $16,000$8,000 / $16,000$8,700 / $17,400
CoinsuranceAfter the deductible0%0%20%0%
Out-of-pocket maxSingle / family$7,600 / $15,200$8,500 / $17,000$10,000 / $20,000$8,700 / $17,400
Doctor / specialist$15 / $15Specialist after the deductible$10 / $10Specialist after the deductible$10 / $110$10 / $95
ER / urgent careFree after the deductibleFree after the deductibleDeductible, then 20%Free after the deductible
Hospital stayFree after the deductibleFree after the deductibleDeductible, then 20%Free after the deductible
PrescriptionsGeneric / brand / non-preferred$15 / $55 / $90$10 / $50 / $90Brand and non-preferred after the deductible$10 / $50 / $90Brand and non-preferred after the deductible$15 / $55 / $90
Monthly premium
Employee only1 enrolled$448.00$386.00$383.00$397.00
Employee + spouse1 enrolled$1,030.00$888.00$879.00$914.00
Employee + childrenNone enrolled$895.00$772.00$764.00$794.00
Family4 enrolled$1,388.00$1,197.00$1,185.00$1,231.00
Medical, a yearAll 6 on this plan$84,360$72,744$72,024$74,820
All in, first yearAdds the fee, workers’ comp, EPLI, dental and vision$102,922$91,306$90,586$93,382
Vs. renewing Insperity$160,130 all insaves $57,208saves $68,824saves $69,544saves $66,748
Swipe the table sideways to see every plan

Dental and vision 4 dental, 2 vision

Guardian dental and vision through CoAdvantage, next to what BBB has with Insperity today. Insperity includes vision in its dental rate.

Dental

In networkTodayUHC Dental PPO 50Through Insperity, with VSP visionGuardian CoreThrough CoAdvantageIn your quoteGuardian StandardClosest to todayGuardian EnhancedThrough CoAdvantageGuardian EliteThrough CoAdvantage
DeductibleSingle / family$50 / $150$75 / $225$50 / $150$50 / $150$50 / $150
Yearly max per person$1,500$1,000 + rollover$1,500 + rollover$2,500 + rollover$5,000 + rollover
Cleanings and x-rays100%100%100%100%100%
Fillings and basic work80%60%80%80%80%
Crowns and major work50%40%50%50%50%
OrthodontiaLifetime50% up to $1,500, under 19Not covered50% up to $1,00050% up to $1,50050% up to $2,000
Out-of-network dentistSame percentages as in networkPays network fees; the dentist may bill the restPays network fees; the dentist may bill the restPays up to the 80th percentile of local feesPays up to the 90th percentile of local fees
Monthly premium
Employee only1 enrolled$55.00$22.00$31.00$44.00$64.00
Employee + spouse1 enrolled$107.00$41.00$52.00$87.00$123.00
Employee + childrenNone enrolled$109.00$56.00$66.00$97.00$143.00
Family4 enrolled$166.00$70.00$99.00$145.00$208.00
A yearYour 6 enrolled; today’s includes vision$9,912$4,116$5,748$8,532$12,228
Swipe the table sideways to see every plan

Vision

In networkTodayVSP AdvantageIncluded in today’s dental rateVSP BasicGuardian, through CoAdvantageIn your quoteVSP PlusGuardian, through CoAdvantage
Eye exam$15$10$10
Glasses lenses$25$20$10
Frames allowanceUp to $170, or $190 featured$150, plus 20% off the rest$150, plus 20% off the rest
Contacts, instead of glassesUp to $150Up to $150Up to $150
How oftenExam / lenses / frames12 / 12 / 24 months12 / 12 / 24 months12 / 12 / 12 months
Monthly premium
Employee only1 enrolledIncluded$5.54$6.88
Employee + spouse1 enrolledIncluded$13.80$13.80
Employee + childrenNone enrolledIncluded$11.68$11.68
Family4 enrolledIncluded$19.25$19.25
A yearYour 6 enrolledIncluded$1,156$1,172
Swipe the table sideways to see every plan

Your quote: Guardian Standard and VSP Plus, $6,920 a year, vs. $9,912 today. The leanest pair, Core and VSP Basic, is $5,272. The richest, Elite and VSP Plus, is $13,400. Guardian rates hold through September 30, 2027.