Our Health Insurance will Keep You In Great Shape

What affects your health insurance rate?

Selecting the right health insurance plan can be complicated. PPO, HMO, HSA – there are multiple terms and situations to understand. At Winston Insurance, we want to be your partner and help you through every step of the insurance vetting process for yourself or for your employers.

An accident or a serious illness will affect you both physically and financially. Therefore, it’s extremely important to make sure you fully understand the insurance plan you select and the associated costs. Your Oregon health insurance rate can be affected by the following:

Type of Plan (HMO, PPO, HSA)
Deductible Level
Copay Percentage
Access to Specialists
Maternity and Prescription Drug Coverage

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Common Coverage Types


Preferred provider organizations are the most common health plan and tend to cost more than an HMO. PPO plans offer a selection of doctors or hospitals on the insurance company’s list of preferred providers. A deductible must be paid before certain benefits are available.


Health maintenance organizations offer lower out-of-pocket expenses but have less flexibility in the choice of physicians or hospitals. Under an HMO plan, you typically select a primary care physician who can refer you to a HMO specialist if needed. HMOs require copayment for certain services.


Health Savings Accounts are savings accounts similar to a 401k that allow you to save money pre-tax to use for future qualified medical expense. The invested money grows tax free and can be a great financial tool during your retirement.

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