plans.json

{
  "plans": [
    {
      "plan_name": "Silver 73 EPO",
      "insurer": "Anthem",
      "premium": 639.15,
      "plan_type": "EPO",
      "deductibles": {
        "overall": 0,
        "services_covered_before_deductible": [
          "Primary Care",
          "Specialist Visit",
          "Preventive Care",
          "Dental",
          "Vision"
        ]
      },
      "out_of_pocket_limit": {
        "individual": 6100,
        "family": 12200
      },
      "referral_needed": false,
      "cost_sharing": {
        "primary_care": {
          "in_network": {
            "copay": 35
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "specialist": {
          "in_network": {
            "copay": 85
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "preventive_care": {
          "in_network": {
            "copay": 0
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "diagnostic_test": {
          "lab": {
            "in_network": {
              "copay": 50
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "x_ray": {
            "in_network": {
              "copay": 95
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          }
        },
        "imaging": {
          "in_network": {
            "copay": 325
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "prescription_drugs": {
          "tier_1": {
            "in_network": {
              "retail_copay": 15,
              "home_delivery_copay": 45
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "tier_2": {
            "in_network": {
              "retail_copay": 55,
              "home_delivery_copay": 165
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "tier_3": {
            "in_network": {
              "retail_copay": 85,
              "home_delivery_copay": 255
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "tier_4": {
            "in_network": {
              "retail_coinsurance": 20,
              "retail_max": 250,
              "home_delivery_coinsurance": 20,
              "home_delivery_max": 750
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          }
        },
        "outpatient_surgery": {
          "facility_fee": {
            "in_network": {
              "coinsurance": 30
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "physician_fee": {
            "in_network": {
              "coinsurance": 30
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          }
        },
        "emergency_room": {
          "care": {
            "in_network": {
              "copay": 350
            },
            "out_of_network": {
              "covered_as_in_network": true
            }
          },
          "transportation": {
            "in_network": {
              "copay": 250
            },
            "out_of_network": {
              "covered_as_in_network": true
            }
          }
        },
        "urgent_care": {
          "in_network": {
            "copay": 35
          },
          "out_of_network": {
            "covered_as_in_network": true
          }
        },
        "hospital_stay": {
          "facility_fee": {
            "in_network": {
              "coinsurance": 30
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "physician_fee": {
            "in_network": {
              "coinsurance": 30
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          }
        },
        "mental_health": {
          "outpatient": {
            "in_network": {
              "copay": 35
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "inpatient": {
            "in_network": {
              "coinsurance": 30
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          }
        },
        "maternity_care": {
          "prenatal_postnatal": {
            "in_network": {
              "preventive_copay": 0,
              "postnatal_copay": 35
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "delivery": {
            "facility_fee": {
              "in_network": {
                "coinsurance": 30
              },
              "out_of_network": {
                "coverage": "Not covered"
              }
            },
            "professional_services": {
              "in_network": {
                "coinsurance": 30
              },
              "out_of_network": {
                "coverage": "Not covered"
              }
            }
          }
        },
        "rehabilitation": {
          "in_network": {
            "copay": 35
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "habilitation": {
          "in_network": {
            "copay": 35
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "skilled_nursing": {
          "in_network": {
            "coinsurance": 30
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "home_health_care": {
          "in_network": {
            "copay": 40
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "durable_medical_equipment": {
          "in_network": {
            "coinsurance": 20
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "hospice_services": {
          "in_network": {
            "copay": 0
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        }
      }
    },
    {
      "plan_name": "Gold 80 HMO",
      "insurer": "Kaiser",
      "premium": 717.83,
      "plan_type": "HMO",
      "deductibles": {
        "overall": 0,
        "services_covered_before_deductible": [
          "Primary Care",
          "Specialist Visit",
          "Preventive Care",
          "Diagnostic Test",
          "Prescription Drugs",
          "Maternity Care"
        ]
      },
      "out_of_pocket_limit": {
        "individual": 8700,
        "family": 17400
      },
      "referral_needed": true,
      "cost_sharing": {
        "primary_care": {
          "in_network": {
            "copay": 35
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "specialist": {
          "in_network": {
            "copay": 65
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "preventive_care": {
          "in_network": {
            "copay": 0
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "diagnostic_test": {
          "lab": {
            "in_network": {
              "copay": 40
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "x_ray": {
            "in_network": {
              "copay": 75
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          }
        },
        "imaging": {
          "in_network": {
            "copay": 75
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "prescription_drugs": {
          "tier_1": {
            "in_network": {
              "retail_copay": 15,
              "home_delivery_copay": 30
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "tier_2": {
            "in_network": {
              "retail_copay": 60,
              "home_delivery_copay": 120
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "tier_4": {
            "in_network": {
              "retail_coinsurance": 20,
              "retail_max": 250
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          }
        },
        "outpatient_surgery": {
          "facility_fee": {
            "in_network": {
              "copay": 190
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          }
        },
        "emergency_room": {
          "care": {
            "in_network": {
              "copay": 330
            },
            "out_of_network": {
              "covered_as_in_network": true
            }
          },
          "transportation": {
            "in_network": {
              "copay": 250
            },
            "out_of_network": {
              "covered_as_in_network": true
            }
          }
        },
        "urgent_care": {
          "in_network": {
            "copay": 35
          },
          "out_of_network": {
            "covered_as_in_network": true
          }
        },
        "hospital_stay": {
          "facility_fee": {
            "in_network": {
              "copay": 350,
              "max_days": 5
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          }
        },
        "mental_health": {
          "outpatient": {
            "in_network": {
              "copay": 35
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "inpatient": {
            "in_network": {
              "copay": 350,
              "max_days": 5
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          }
        },
        "maternity_care": {
          "prenatal_postnatal": {
            "in_network": {
              "preventive_copay": 0
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "delivery": {
            "facility_fee": {
              "in_network": {
                "copay": 350,
                "max_days": 5
              },
              "out_of_network": {
                "coverage": "Not covered"
              }
            }
          }
        },
        "rehabilitation": {
          "in_network": {
            "copay": 35
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "habilitation": {
          "in_network": {
            "copay": 35
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "skilled_nursing": {
          "in_network": {
            "copay": 150,
            "max_days": 5
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "home_health_care": {
          "in_network": {
            "copay": 30
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "durable_medical_equipment": {
          "in_network": {
            "coinsurance": 20
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "hospice_services": {
          "in_network": {
            "copay": 0
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        }
      }
    },
    {
      "plan_name": "Silver 70 HMO",
      "insurer": "Kaiser",
      "premium": 613.20,
      "plan_type": "HMO",
      "deductibles": {
        "overall": 5400,
        "services_covered_before_deductible": [
          "Primary Care",
          "Specialist Visit",
          "Preventive Care",
          "Diagnostic Test",
          "Prescription Drugs"
        ]
      },
      "out_of_pocket_limit": {
        "individual": 8700,
        "family": 17400
      },
      "referral_needed": true,
      "cost_sharing": {
        "primary_care": {
          "in_network": {
            "copay": 50
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "specialist": {
          "in_network": {
            "copay": 90
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "preventive_care": {
          "in_network": {
            "copay": 0
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "diagnostic_test": {
          "lab": {
            "in_network": {
              "copay": 50
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "x_ray": {
            "in_network": {
              "copay": 95
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          }
        },
        "imaging": {
          "in_network": {
            "copay": 325
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "prescription_drugs": {
          "tier_1": {
            "in_network": {
              "retail_copay": 18,
              "home_delivery_copay": 36
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "tier_2": {
            "in_network": {
              "retail_copay": 60,
              "home_delivery_copay": 120
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "tier_4": {
            "in_network": {
              "retail_coinsurance": 20,
              "retail_max": 250
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          }
        },
        "outpatient_surgery": {
          "facility_fee": {
            "in_network": {
              "coinsurance": 30
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "physician_fee": {
            "in_network": {
              "coinsurance": 30
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          }
        },
        "emergency_room": {
          "care": {
            "in_network": {
              "copay": 400
            },
            "out_of_network": {
              "covered_as_in_network": true
            }
          },
          "transportation": {
            "in_network": {
              "copay": 250
            },
            "out_of_network": {
              "covered_as_in_network": true
            }
          }
        },
        "urgent_care": {
          "in_network": {
            "copay": 50
          },
          "out_of_network": {
            "covered_as_in_network": true
          }
        },
        "hospital_stay": {
          "facility_fee": {
            "in_network": {
              "coinsurance": 30
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "physician_fee": {
            "in_network": {
              "coinsurance": 30
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          }
        },
        "mental_health": {
          "outpatient": {
            "in_network": {
              "copay": 50
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "inpatient": {
            "in_network": {
              "coinsurance": 30
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          }
        },
        "maternity_care": {
          "prenatal_postnatal": {
            "in_network": {
              "preventive_copay": 0
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "delivery": {
            "facility_fee": {
              "in_network": {
                "coinsurance": 30
              },
              "out_of_network": {
                "coverage": "Not covered"
              }
            },
            "professional_services": {
              "in_network": {
                "coinsurance": 30
              },
              "out_of_network": {
                "coverage": "Not covered"
              }
            }
          }
        },
        "rehabilitation": {
          "in_network": {
            "copay": 50
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "habilitation": {
          "in_network": {
            "copay": 50
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "skilled_nursing": {
          "in_network": {
            "coinsurance": 30
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "home_health_care": {
          "in_network": {
            "copay": 45
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "durable_medical_equipment": {
          "in_network": {
            "coinsurance": 20
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "hospice_services": {
          "in_network": {
            "copay": 0
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        }
      }
    },
    {
      "plan_name": "Bronze 60 HMO",
      "insurer": "Kaiser",
      "premium": 510.23,
      "plan_type": "HMO",
      "deductibles": {
        "overall": 5800,
        "services_covered_before_deductible": [
          "Preventive Care"
        ]
      },
      "out_of_pocket_limit": {
        "individual": 8850,
        "family": 17700
      },
      "referral_needed": true,
      "cost_sharing": {
        "primary_care": {
          "in_network": {
            "copay": 60
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "specialist": {
          "in_network": {
            "copay": 95
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "preventive_care": {
          "in_network": {
            "copay": 0
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "diagnostic_test": {
          "lab": {
            "in_network": {
              "copay": 40
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "x_ray": {
            "in_network": {
              "coinsurance": 40
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          }
        },
        "imaging": {
          "in_network": {
            "coinsurance": 40
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "prescription_drugs": {
          "tier_1": {
            "in_network": {
              "retail_copay": 19,
              "home_delivery_copay": 38
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "tier_2": {
            "in_network": {
              "retail_coinsurance": 40,
              "retail_max": 500
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "tier_4": {
            "in_network": {
              "retail_coinsurance": 40,
              "retail_max": 500
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          }
        },
        "outpatient_surgery": {
          "facility_fee": {
            "in_network": {
              "coinsurance": 40
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "physician_fee": {
            "in_network": {
              "coinsurance": 40
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          }
        },
        "emergency_room": {
          "care": {
            "in_network": {
              "coinsurance": 40
            },
            "out_of_network": {
              "covered_as_in_network": true
            }
          },
          "transportation": {
            "in_network": {
              "coinsurance": 40
            },
            "out_of_network": {
              "covered_as_in_network": true
            }
          }
        },
        "urgent_care": {
          "in_network": {
            "copay": 60
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "hospital_stay": {
          "facility_fee": {
            "in_network": {
              "coinsurance": 40
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "physician_fee": {
            "in_network": {
              "coinsurance": 40
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          }
        },
        "mental_health": {
          "outpatient": {
            "in_network": {
              "copay": 0
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "inpatient": {
            "in_network": {
              "coinsurance": 40
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          }
        },
        "maternity_care": {
          "prenatal_postnatal": {
            "in_network": {
              "preventive_copay": 0
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "delivery": {
            "facility_fee": {
              "in_network": {
                "coinsurance": 40
              },
              "out_of_network": {
                "coverage": "Not covered"
              }
            },
            "professional_services": {
              "in_network": {
                "coinsurance": 40
              },
              "out_of_network": {
                "coverage": "Not covered"
              }
            }
          }
        },
        "rehabilitation": {
          "in_network": {
            "copay": 60
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "habilitation": {
          "in_network": {
            "copay": 60
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "skilled_nursing": {
          "in_network": {
            "coinsurance": 40
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "home_health_care": {
          "in_network": {
            "coinsurance": 40
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "durable_medical_equipment": {
          "in_network": {
            "coinsurance": 40
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "hospice_services": {
          "in_network": {
            "copay": 0
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        }
      }
    },
    {
      "plan_name": "Gold 80 HMO Coinsurance",
      "insurer": "Kaiser",
      "premium": 654.43,
      "plan_type": "HMO",
      "deductibles": {
        "overall": 0,
        "services_covered_before_deductible": [
          "Primary Care",
          "Specialist Visit",
          "Preventive Care",
          "Prescription Drugs",
          "Maternity Care"
        ]
      },
      "out_of_pocket_limit": {
        "individual": 8700,
        "family": 17400
      },
      "referral_needed": true,
      "cost_sharing": {
        "primary_care": {
          "in_network": {
            "copay": 35
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "specialist": {
          "in_network": {
            "copay": 65
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "preventive_care": {
          "in_network": {
            "copay": 0
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "diagnostic_test": {
          "lab": {
            "in_network": {
              "copay": 40
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "x_ray": {
            "in_network": {
              "copay": 75
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          }
        },
        "imaging": {
          "in_network": {
            "coinsurance": 25
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "prescription_drugs": {
          "tier_1": {
            "in_network": {
              "retail_copay": 15,
              "home_delivery_copay": 30
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "tier_2": {
            "in_network": {
              "retail_copay": 60,
              "home_delivery_copay": 120
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "tier_4": {
            "in_network": {
              "retail_coinsurance": 20,
              "retail_max": 250
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          }
        },
        "outpatient_surgery": {
          "facility_fee": {
            "in_network": {
              "coinsurance": 30
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "physician_fee": {
            "in_network": {
              "coinsurance": 30
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          }
        },
        "emergency_room": {
          "care": {
            "in_network": {
              "copay": 330
            },
            "out_of_network": {
              "covered_as_in_network": true
            }
          },
          "transportation": {
            "in_network": {
              "copay": 250
            },
            "out_of_network": {
              "covered_as_in_network": true
            }
          }
        },
        "urgent_care": {
          "in_network": {
            "copay": 35
          },
          "out_of_network": {
            "covered_as_in_network": true
          }
        },
        "hospital_stay": {
          "facility_fee": {
            "in_network": {
              "coinsurance": 30
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "physician_fee": {
            "in_network": {
              "coinsurance": 30
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          }
        },
        "mental_health": {
          "outpatient": {
            "in_network": {
              "copay": 35
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "inpatient": {
            "in_network": {
              "coinsurance": 30
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          }
        },
        "maternity_care": {
          "prenatal_postnatal": {
            "in_network": {
              "preventive_copay": 0
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "delivery": {
            "facility_fee": {
              "in_network": {
                "coinsurance": 30
              },
              "out_of_network": {
                "coverage": "Not covered"
              }
            },
            "professional_services": {
              "in_network": {
                "coinsurance": 30
              },
              "out_of_network": {
                "coverage": "Not covered"
              }
            }
          }
        },
        "rehabilitation": {
          "in_network": {
            "copay": 35
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "habilitation": {
          "in_network": {
            "copay": 35
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "skilled_nursing": {
          "in_network": {
            "coinsurance": 30
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "home_health_care": {
          "in_network": {
            "coinsurance": 20
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "durable_medical_equipment": {
          "in_network": {
            "coinsurance": 20
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "hospice_services": {
          "in_network": {
            "copay": 0
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        }
      }
    },
    {
      "plan_name": "Silver 70 HMO Off Exchange",
      "insurer": "Kaiser",
      "premium": 585.83,
      "plan_type": "HMO",
      "deductibles": {
        "overall": 5400,
        "services_covered_before_deductible": [
          "Preventive Care",
          "Primary Care",
          "Specialist Visit",
          "Diagnostic Tests",
          "Prescription Drugs"
        ]
      },
      "out_of_pocket_limit": {
        "individual": 8700,
        "family": 17400
      },
      "referral_needed": true,
      "cost_sharing": {
        "primary_care": {
          "in_network": {
            "copay": 50
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "specialist": {
          "in_network": {
            "copay": 90
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "preventive_care": {
          "in_network": {
            "copay": 0
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "diagnostic_test": {
          "lab": {
            "in_network": {
              "copay": 50
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "x_ray": {
            "in_network": {
              "copay": 95
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          }
        },
        "imaging": {
          "in_network": {
            "copay": 325
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "prescription_drugs": {
          "tier_1": {
            "in_network": {
              "retail_copay": 18,
              "home_delivery_copay": 36
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "tier_2": {
            "in_network": {
              "retail_copay": 60,
              "home_delivery_copay": 120
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "tier_4": {
            "in_network": {
              "retail_coinsurance": 20,
              "retail_max": 250
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          }
        },
        "outpatient_surgery": {
          "facility_fee": {
            "in_network": {
              "coinsurance": 30
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "physician_fee": {
            "in_network": {
              "coinsurance": 30
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          }
        },
        "emergency_room": {
          "care": {
            "in_network": {
              "copay": 400
            },
            "out_of_network": {
              "covered_as_in_network": true
            }
          },
          "transportation": {
            "in_network": {
              "copay": 255
            },
            "out_of_network": {
              "covered_as_in_network": true
            }
          }
        },
        "urgent_care": {
          "in_network": {
            "copay": 50
          },
          "out_of_network": {
            "covered_as_in_network": true
          }
        },
        "hospital_stay": {
          "facility_fee": {
            "in_network": {
              "coinsurance": 30
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "physician_fee": {
            "in_network": {
              "coinsurance": 30
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          }
        },
        "mental_health": {
          "outpatient": {
            "in_network": {
              "copay": 50
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "inpatient": {
            "in_network": {
              "coinsurance": 30
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          }
        },
        "maternity_care": {
          "prenatal_postnatal": {
            "in_network": {
              "preventive_copay": 0
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "delivery": {
            "facility_fee": {
              "in_network": {
                "coinsurance": 30
              },
              "out_of_network": {
                "coverage": "Not covered"
              }
            },
            "professional_services": {
              "in_network": {
                "coinsurance": 30
              },
              "out_of_network": {
                "coverage": "Not covered"
              }
            }
          }
        },
        "rehabilitation": {
          "in_network": {
            "copay": 50
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "habilitation": {
          "in_network": {
            "copay": 50
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "skilled_nursing": {
          "in_network": {
            "coinsurance": 30
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "home_health_care": {
          "in_network": {
            "copay": 45
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "durable_medical_equipment": {
          "in_network": {
            "coinsurance": 20
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "hospice_services": {
          "in_network": {
            "copay": 0
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        }
      }
    },
    {
      "plan_name": "Bronze 60 PPO",
      "insurer": "Blue Shield",
      "premium": 690.17,
      "plan_type": "PPO",
      "deductibles": {
        "overall": 5800,
        "services_covered_before_deductible": [
          "Preventive Care"
        ]
      },
      "out_of_pocket_limit": {
        "individual": 8850,
        "family": 17700
      },
      "referral_needed": false,
      "cost_sharing": {
        "primary_care": {
          "in_network": {
            "copay": 60
          },
          "out_of_network": {
            "coinsurance": 50
          }
        },
        "specialist": {
          "in_network": {
            "copay": 95
          },
          "out_of_network": {
            "coinsurance": 50
          }
        },
        "preventive_care": {
          "in_network": {
            "copay": 0
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "diagnostic_test": {
          "lab": {
            "in_network": {
              "copay": 40
            },
            "out_of_network": {
              "coinsurance": 50
            }
          },
          "x_ray": {
            "in_network": {
              "coinsurance": 40
            },
            "out_of_network": {
              "coinsurance": 50
            }
          }
        },
        "imaging": {
          "in_network": {
            "coinsurance": 40
          },
          "out_of_network": {
            "coinsurance": 50,
            "limit": "Benefit maximum of $500/day"
          }
        },
        "prescription_drugs": {
          "tier_1": {
            "in_network": {
              "retail_copay": 19,
              "home_delivery_copay": 38
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "tier_2": {
            "in_network": {
              "retail_coinsurance": 40,
              "retail_max": 500,
              "home_delivery_coinsurance": 40,
              "home_delivery_max": 1500
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "tier_3": {
            "in_network": {
              "retail_coinsurance": 40,
              "retail_max": 500,
              "home_delivery_coinsurance": 40,
              "home_delivery_max": 1500
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "tier_4": {
            "in_network": {
              "retail_coinsurance": 40,
              "retail_max": 500,
              "home_delivery_coinsurance": 40,
              "home_delivery_max": 1500
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          }
        },
        "outpatient_surgery": {
          "facility_fee": {
            "in_network": {
              "coinsurance": 40
            },
            "out_of_network": {
              "coinsurance": 50,
              "limit": "Benefit maximum of $300/day"
            }
          },
          "physician_fee": {
            "in_network": {
              "coinsurance": 40
            },
            "out_of_network": {
              "coinsurance": 50
            }
          }
        },
        "emergency_room": {
          "care": {
            "in_network": {
              "coinsurance": 40
            },
            "out_of_network": {
              "coinsurance": 40
            }
          },
          "transportation": {
            "in_network": {
              "coinsurance": 40
            },
            "out_of_network": {
              "coinsurance": 40
            }
          }
        },
        "urgent_care": {
          "in_network": {
            "copay": 60
          },
          "out_of_network": {
            "coinsurance": 50
          }
        },
        "hospital_stay": {
          "facility_fee": {
            "in_network": {
              "coinsurance": 40
            },
            "out_of_network": {
              "coinsurance": 50,
              "limit": "Benefit maximum of $500/day"
            }
          },
          "physician_fee": {
            "in_network": {
              "coinsurance": 40
            },
            "out_of_network": {
              "coinsurance": 50
            }
          }
        },
        "mental_health": {
          "outpatient": {
            "in_network": {
              "copay": 60
            },
            "out_of_network": {
              "coinsurance": 50
            }
          },
          "inpatient": {
            "in_network": {
              "coinsurance": 40
            },
            "out_of_network": {
              "coinsurance": 50,
              "limit": "Benefit maximum of $500/day"
            }
          }
        },
        "maternity_care": {
          "prenatal_postnatal": {
            "in_network": {
              "preventive_copay": 0
            },
            "out_of_network": {
              "coinsurance": 50
            }
          },
          "delivery": {
            "facility_fee": {
              "in_network": {
                "coinsurance": 40
              },
              "out_of_network": {
                "coinsurance": 50,
                "limit": "Benefit maximum of $500/day"
              }
            },
            "professional_services": {
              "in_network": {
                "coinsurance": 40
              },
              "out_of_network": {
                "coinsurance": 50
              }
            }
          }
        },
        "rehabilitation": {
          "in_network": {
            "copay": 60
          },
          "out_of_network": {
            "coinsurance": 50
          }
        },
        "habilitation": {
          "in_network": {
            "copay": 60
          },
          "out_of_network": {
            "coinsurance": 50
          }
        },
        "skilled_nursing": {
          "in_network": {
            "coinsurance": 40
          },
          "out_of_network": {
            "coinsurance": 50,
            "limit": "Benefit maximum of $500/day"
          }
        },
        "home_health_care": {
          "in_network": {
            "coinsurance": 40
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "durable_medical_equipment": {
          "in_network": {
            "coinsurance": 40
          },
          "out_of_network": {
            "coinsurance": 50
          }
        },
        "hospice_services": {
          "in_network": {
            "copay": 0
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        }
      }
    },
    {
      "plan_name": "Silver 70 Off Exchange EPO",
      "insurer": "Anthem",
      "premium": 592.70,
      "plan_type": "EPO",
      "deductibles": {
        "overall": 5400,
        "services_covered_before_deductible": [
          "Primary Care",
          "Specialist Visit",
          "Preventive Care",
          "Dental",
          "Vision"
        ]
      },
      "out_of_pocket_limit": {
        "individual": 8700,
        "family": 17400
      },
      "referral_needed": false,
      "cost_sharing": {
        "primary_care": {
          "in_network": {
            "copay": 50
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "specialist": {
          "in_network": {
            "copay": 90
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "preventive_care": {
          "in_network": {
            "copay": 0
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "diagnostic_test": {
          "lab": {
            "in_network": {
              "copay": 50
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "x_ray": {
            "in_network": {
              "copay": 95
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          }
        },
        "imaging": {
          "in_network": {
            "copay": 325
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "prescription_drugs": {
          "tier_1": {
            "in_network": {
              "retail_copay": 18,
              "home_delivery_copay": 54
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "tier_2": {
            "in_network": {
              "retail_copay": 60,
              "home_delivery_copay": 180
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "tier_3": {
            "in_network": {
              "retail_copay": 90,
              "home_delivery_copay": 270
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "tier_4": {
            "in_network": {
              "retail_coinsurance": 20,
              "retail_max": 250,
              "home_delivery_coinsurance": 20,
              "home_delivery_max": 750
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          }
        },
        "outpatient_surgery": {
          "facility_fee": {
            "in_network": {
              "coinsurance": 30
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "physician_fee": {
            "in_network": {
              "coinsurance": 30
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          }
        },
        "emergency_room": {
          "care": {
            "in_network": {
              "copay": 400
            },
            "out_of_network": {
              "covered_as_in_network": true
            }
          },
          "transportation": {
            "in_network": {
              "copay": 255
            },
            "out_of_network": {
              "covered_as_in_network": true
            }
          }
        },
        "urgent_care": {
          "in_network": {
            "copay": 50
          },
          "out_of_network": {
            "covered_as_in_network": true
          }
        },
        "hospital_stay": {
          "facility_fee": {
            "in_network": {
              "coinsurance": 30
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "physician_fee": {
            "in_network": {
              "coinsurance": 30
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          }
        },
        "mental_health": {
          "outpatient": {
            "in_network": {
              "copay": 50
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "inpatient": {
            "in_network": {
              "coinsurance": 30
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          }
        },
        "maternity_care": {
          "prenatal_postnatal": {
            "in_network": {
              "preventive_copay": 0,
              "postnatal_copay": 50
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "delivery": {
            "facility_fee": {
              "in_network": {
                "coinsurance": 30
              },
              "out_of_network": {
                "coverage": "Not covered"
              }
            },
            "professional_services": {
              "in_network": {
                "coinsurance": 30
              },
              "out_of_network": {
                "coverage": "Not covered"
              }
            }
          }
        },
        "rehabilitation": {
          "in_network": {
            "copay": 50
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "habilitation": {
          "in_network": {
            "copay": 50
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "skilled_nursing": {
          "in_network": {
            "coinsurance": 30
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "home_health_care": {
          "in_network": {
            "copay": 45
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "durable_medical_equipment": {
          "in_network": {
            "coinsurance": 20
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "hospice_services": {
          "in_network": {
            "copay": 0
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        }
      }
    },
    {
      "plan_name": "Bronze 60 EPO",
      "insurer": "Anthem",
      "premium": 567.46,
      "plan_type": "EPO",
      "deductibles": {
        "overall": 5800,
        "services_covered_before_deductible": [
          "Primary Care",
          "Preventive Care",
          "Dental",
          "Vision"
        ]
      },
      "out_of_pocket_limit": {
        "individual": 8850,
        "family": 17700
      },
      "referral_needed": false,
      "cost_sharing": {
        "primary_care": {
          "in_network": {
            "copay": 60
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "specialist": {
          "in_network": {
            "copay": 95
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "preventive_care": {
          "in_network": {
            "copay": 0
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "diagnostic_test": {
          "lab": {
            "in_network": {
              "copay": 40
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "x_ray": {
            "in_network": {
              "coinsurance": 40
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          }
        },
        "imaging": {
          "in_network": {
            "coinsurance": 40
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "prescription_drugs": {
          "tier_1": {
            "in_network": {
              "retail_copay": 19,
              "home_delivery_copay": 57
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "tier_2": {
            "in_network": {
              "retail_coinsurance": 40,
              "retail_max": 500,
              "home_delivery_coinsurance": 40,
              "home_delivery_max": 1500
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "tier_4": {
            "in_network": {
              "retail_coinsurance": 40,
              "retail_max": 500,
              "home_delivery_coinsurance": 40,
              "home_delivery_max": 1500
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          }
        },
        "outpatient_surgery": {
          "facility_fee": {
            "in_network": {
              "coinsurance": 40
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "physician_fee": {
            "in_network": {
              "coinsurance": 40
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          }
        },
        "emergency_room": {
          "care": {
            "in_network": {
              "coinsurance": 40
            },
            "out_of_network": {
              "covered_as_in_network": true
            }
          },
          "transportation": {
            "in_network": {
              "coinsurance": 40
            },
            "out_of_network": {
              "covered_as_in_network": true
            }
          }
        },
        "urgent_care": {
          "in_network": {
            "copay": 60
          },
          "out_of_network": {
            "covered_as_in_network": true
          }
        },
        "hospital_stay": {
          "facility_fee": {
            "in_network": {
              "coinsurance": 40
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "physician_fee": {
            "in_network": {
              "coinsurance": 40
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          }
        },
        "mental_health": {
          "outpatient": {
            "in_network": {
              "copay": 60
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "inpatient": {
            "in_network": {
              "coinsurance": 40
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          }
        },
        "maternity_care": {
          "prenatal_postnatal": {
            "in_network": {
              "preventive_copay": 0,
              "postnatal_copay": 60
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "delivery": {
            "facility_fee": {
              "in_network": {
                "coinsurance": 40
              },
              "out_of_network": {
                "coverage": "Not covered"
              }
            },
            "professional_services": {
              "in_network": {
                "coinsurance": 40
              },
              "out_of_network": {
                "coverage": "Not covered"
              }
            }
          }
        },
        "rehabilitation": {
          "in_network": {
            "copay": 60
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "habilitation": {
          "in_network": {
            "copay": 60
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "skilled_nursing": {
          "in_network": {
            "coinsurance": 40
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "home_health_care": {
          "in_network": {
            "coinsurance": 40
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "durable_medical_equipment": {
          "in_network": {
            "coinsurance": 40
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "hospice_services": {
          "in_network": {
            "copay": 0
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        }
      }
    },
    {
      "plan_name": "Silver 70 Off Exchange Trio HMO",
      "insurer": "Blue Shield",
      "premium": 580.53,
      "plan_type": "HMO",
      "deductibles": {
        "overall": 5400,
        "services_covered_before_deductible": [
          "Primary Care",
          "Specialist Visit",
          "Preventive Care",
          "Prescription Drugs"
        ]
      },
      "out_of_pocket_limit": {
        "individual": 8700,
        "family": 17400
      },
      "referral_needed": true,
      "cost_sharing": {
        "primary_care": {
          "in_network": {
            "copay": 50
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "specialist": {
          "in_network": {
            "copay": 90
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "preventive_care": {
          "in_network": {
            "copay": 0
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "diagnostic_test": {
          "lab": {
            "in_network": {
              "copay": 50
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "x_ray": {
            "in_network": {
              "copay": 95
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          }
        },
        "imaging": {
          "in_network": {
            "copay": 325
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "prescription_drugs": {
          "tier_1": {
            "in_network": {
              "retail_copay": 18,
              "home_delivery_copay": 54
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "tier_2": {
            "in_network": {
              "retail_copay": 60,
              "home_delivery_copay": 180
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "tier_3": {
            "in_network": {
              "retail_copay": 90,
              "home_delivery_copay": 270
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "tier_4": {
            "in_network": {
              "retail_coinsurance": 20,
              "retail_max": 250,
              "home_delivery_coinsurance": 20,
              "home_delivery_max": 750
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          }
        },
        "outpatient_surgery": {
          "facility_fee": {
            "in_network": {
              "coinsurance": 30
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "physician_fee": {
            "in_network": {
              "coinsurance": 30
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          }
        },
        "emergency_room": {
          "care": {
            "in_network": {
              "copay": 400
            },
            "out_of_network": {
              "covered_as_in_network": true
            }
          },
          "transportation": {
            "in_network": {
              "copay": 255
            },
            "out_of_network": {
              "covered_as_in_network": true
            }
          }
        },
        "urgent_care": {
          "in_network": {
            "copay": 50
          },
          "out_of_network": {
            "covered_as_in_network": true
          }
        },
        "hospital_stay": {
          "facility_fee": {
            "in_network": {
              "coinsurance": 30
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "physician_fee": {
            "in_network": {
              "coinsurance": 30
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          }
        },
        "mental_health": {
          "outpatient": {
            "in_network": {
              "copay": 50
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "inpatient": {
            "in_network": {
              "coinsurance": 30
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          }
        },
        "maternity_care": {
          "prenatal_postnatal": {
            "in_network": {
              "preventive_copay": 0
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "delivery": {
            "facility_fee": {
              "in_network": {
                "coinsurance": 30
              },
              "out_of_network": {
                "coverage": "Not covered"
              }
            },
            "professional_services": {
              "in_network": {
                "coinsurance": 30
              },
              "out_of_network": {
                "coverage": "Not covered"
              }
            }
          }
        },
        "rehabilitation": {
          "in_network": {
            "copay": 50
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "habilitation": {
          "in_network": {
            "copay": 50
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "skilled_nursing": {
          "in_network": {
            "coinsurance": 30
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "home_health_care": {
          "in_network": {
            "copay": 45
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "durable_medical_equipment": {
          "in_network": {
            "coinsurance": 20
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "hospice_services": {
          "in_network": {
            "copay": 0
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        }
      }
    },
    {
      "plan_name": "Silver 73 Trio HMO",
      "insurer": "Blue Shield",
      "premium": 623.97,
      "plan_type": "HMO",
      "deductibles": {
        "overall": 0,
        "services_covered_before_deductible": [
          "Primary Care",
          "Specialist Visit",
          "Preventive Care",
          "Prescription Drugs",
          "Maternity Care"
        ]
      },
      "out_of_pocket_limit": {
        "individual": 6100,
        "family": 12200
      },
      "referral_needed": true,
      "cost_sharing": {
        "primary_care": {
          "in_network": {
            "copay": 35
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "specialist": {
          "in_network": {
            "copay": 85
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "preventive_care": {
          "in_network": {
            "copay": 0
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "diagnostic_test": {
          "lab": {
            "in_network": {
              "copay": 50
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "x_ray": {
            "in_network": {
              "copay": 95
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          }
        },
        "imaging": {
          "in_network": {
            "copay": 325
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "prescription_drugs": {
          "tier_1": {
            "in_network": {
              "retail_copay": 15,
              "home_delivery_copay": 45
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "tier_2": {
            "in_network": {
              "retail_copay": 55,
              "home_delivery_copay": 165
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "tier_3": {
            "in_network": {
              "retail_copay": 85,
              "home_delivery_copay": 255
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "tier_4": {
            "in_network": {
              "retail_coinsurance": 20,
              "retail_max": 250,
              "home_delivery_coinsurance": 20,
              "home_delivery_max": 750
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          }
        },
        "outpatient_surgery": {
          "facility_fee": {
            "in_network": {
              "coinsurance": 30
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "physician_fee": {
            "in_network": {
              "coinsurance": 30
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          }
        },
        "emergency_room": {
          "care": {
            "in_network": {
              "copay": 350
            },
            "out_of_network": {
              "covered_as_in_network": true
            }
          },
          "transportation": {
            "in_network": {
              "copay": 250
            },
            "out_of_network": {
              "covered_as_in_network": true
            }
          }
        },
        "urgent_care": {
          "in_network": {
            "copay": 35
          },
          "out_of_network": {
            "covered_as_in_network": true
          }
        },
        "hospital_stay": {
          "facility_fee": {
            "in_network": {
              "coinsurance": 30
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "physician_fee": {
            "in_network": {
              "coinsurance": 30
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          }
        },
        "mental_health": {
          "outpatient": {
            "in_network": {
              "copay": 35
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "inpatient": {
            "in_network": {
              "coinsurance": 30
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          }
        },
        "maternity_care": {
          "prenatal_postnatal": {
            "in_network": {
              "preventive_copay": 0
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "delivery": {
            "facility_fee": {
              "in_network": {
                "coinsurance": 30
              },
              "out_of_network": {
                "coverage": "Not covered"
              }
            },
            "professional_services": {
              "in_network": {
                "coinsurance": 30
              },
              "out_of_network": {
                "coverage": "Not covered"
              }
            }
          }
        },
        "rehabilitation": {
          "in_network": {
            "copay": 35
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "habilitation": {
          "in_network": {
            "copay": 35
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "skilled_nursing": {
          "in_network": {
            "coinsurance": 30
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "home_health_care": {
          "in_network": {
            "copay": 40
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "durable_medical_equipment": {
          "in_network": {
            "coinsurance": 20
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "hospice_services": {
          "in_network": {
            "copay": 0
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        }
      }
    },
    {
      "plan_name": "Silver 73 HMO",
      "insurer": "Kaiser",
      "premium": 613.20,
      "plan_type": "HMO",
      "deductibles": {
        "overall": 0,
        "services_covered_before_deductible": [
          "Primary Care",
          "Specialist Visit",
          "Preventive Care",
          "Dental",
          "Vision"
        ]
      },
      "out_of_pocket_limit": {
        "individual": 6100,
        "family": 12200
      },
      "referral_needed": true,
      "cost_sharing": {
        "primary_care": {
          "in_network": {
            "copay": 35
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "specialist": {
          "in_network": {
            "copay": 85
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "preventive_care": {
          "in_network": {
            "copay": 0
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "diagnostic_test": {
          "lab": {
            "in_network": {
              "copay": 50
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "x_ray": {
            "in_network": {
              "copay": 95
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          }
        },
        "imaging": {
          "in_network": {
            "copay": 325
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "prescription_drugs": {
          "tier_1": {
            "in_network": {
              "retail_copay": 15,
              "home_delivery_copay": 30
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "tier_2": {
            "in_network": {
              "retail_copay": 55,
              "home_delivery_copay": 110
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "tier_3": {
            "in_network": {
              "retail_copay": 55,
              "home_delivery_copay": 110
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "tier_4": {
            "in_network": {
              "retail_coinsurance": 20,
              "retail_max": 250
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          }
        },
        "outpatient_surgery": {
          "facility_fee": {
            "in_network": {
              "coinsurance": 30
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "physician_fee": {
            "in_network": {
              "coinsurance": 30
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          }
        },
        "emergency_room": {
          "care": {
            "in_network": {
              "copay": 350
            },
            "out_of_network": {
              "covered_as_in_network": true
            }
          },
          "transportation": {
            "in_network": {
              "copay": 250
            },
            "out_of_network": {
              "covered_as_in_network": true
            }
          }
        },
        "urgent_care": {
          "in_network": {
            "copay": 35
          },
          "out_of_network": {
            "covered_as_in_network": true
          }
        },
        "hospital_stay": {
          "facility_fee": {
            "in_network": {
              "coinsurance": 30
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "physician_fee": {
            "in_network": {
              "coinsurance": 30
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          }
        },
        "mental_health": {
          "outpatient": {
            "in_network": {
              "copay": 35
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "inpatient": {
            "in_network": {
              "coinsurance": 30
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          }
        },
        "maternity_care": {
          "prenatal_postnatal": {
            "in_network": {
              "preventive_copay": 0,
              "postnatal_copay": 35
            },
            "out_of_network": {
              "coverage": "Not covered"
            }
          },
          "delivery": {
            "facility_fee": {
              "in_network": {
                "coinsurance": 30
              },
              "out_of_network": {
                "coverage": "Not covered"
              }
            },
            "professional_services": {
              "in_network": {
                "coinsurance": 30
              },
              "out_of_network": {
                "coverage": "Not covered"
              }
            }
          }
        },
        "rehabilitation": {
          "in_network": {
            "copay": 35
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "habilitation": {
          "in_network": {
            "copay": 35
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "skilled_nursing": {
          "in_network": {
            "coinsurance": 30
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "home_health_care": {
          "in_network": {
            "copay": 40
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "durable_medical_equipment": {
          "in_network": {
            "coinsurance": 20
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        },
        "hospice_services": {
          "in_network": {
            "copay": 0
          },
          "out_of_network": {
            "coverage": "Not covered"
          }
        }
      }
    }    
  ]
}