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2026Freedom
Buy-Up Plan
Oxford/UHC • Oxford Freedom
Our richest plan with the lowest deductible, lowest OOP max, and best coinsurance. Ideal for those expecting significant healthcare needs.
Weekly Premiums
Single
$171/wk
$8,892/year
Employee + Spouse
$360/wk
$18,720/year
Employee + Child(ren)
$300/wk
$15,600/year
Family
$525/wk
$27,300/year
Deductibles & Out-of-Pocket Maximum
Deductible
Single$1,000
Family$2,000
Out-of-Pocket Max
Single$4,000
Family$8,000
Coinsurance90/10
Copays
Copays apply before deductible
PCP Visit
$20
Specialist
$40
Urgent Care
$40
Emergency Room
$100
Imaging
Deductible + 10%
Labs
Deductible + 10%
Prescription Coverage
Separate Rx deductible: $100
Tier 1 (Generic)
$25
Tier 2 (Preferred)
$50
Tier 3 (Specialty)
$75
Network Note: Freedom network - widest Oxford network access
What Changed from 2025?
Year-Over-Year Comparison
Buy-Up Plan
→Buy-Up Plan
2
Improvements
1
Increases
2
Other Changes
Insurance Carrier
Cigna→Oxford/UHC
Network
Cigna Open Access Plus→Oxford Freedom
OOP Max (Single)
$5,000→$4,000-20%
OOP Max (Family)
$10,000→$8,000-20%
Coinsurance
80/20→90/10
Summary
5 changes: 1 increase, 2 decreases.
Plan Highlights
- Lowest deductible: $1,000 / $2,000
- Lowest OOP max: $4,000 / $8,000
- Best coinsurance: 90/10
- Oxford Freedom - widest network
Things to Consider
- Highest weekly premiums
- Not HSA eligible
- New $100 Rx deductible (was $0)