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We provide industry-leading medical coverage to ensure you and your family have the support you need to get and stay well. All of our plans offer comprehensive coverage, pay 100% of your preventive care and limit the amount of health care costs you pay each year. Review all medical plan options by clicking on the tabs below. For a detailed comparison, visit Health Plan Comparisons.
Plan type: High-deductible health plan with a Health Savings Account Key features:
Choose any provider you like, but you pay less when you use a provider in the extensive Premera Blue Cross Network
Option to save for future health care expenses through a tax-advantaged, Microsoft-funded Health Savings Account (HSA)
Includes prescription coverage
In 2026, the limit on an HSA contribution for an individual is $4,400; for an individual with family coverage, the limit is $8,750
Preventive care: 100% covered Out-of-pocket costs: A deductible applies before the plan begins to pay for services, except for preventive care (covered at 100%) Provider network: Premera Blue Cross (nationwide) Cash from Microsoft: Microsoft contributes to your HSA
Choose this option if
You are currently enrolled in the Health Savings Plan and want to continue seeing your current doctors and other doctors of your choice.
You want a Health Savings Account to help you save for future health care costs or pay for out-of-pocket health care expenses.
You want access to a national provider network versus a regional network limited to available states.
Plan type: Health Maintenance Organization
Key features:
In most cases, services provided outside the Kaiser Permanente network are not covered, except for emergency care
Offers online access to schedule appointments, view medical records, and exchange secure email messages with your doctors
Includes prescription coverage
Preventive care: 100% covered
Out-of-pocket costs:
No deductible and limited coinsurance
Copays for most outpatient services except for preventive care
Provider network:
Kaiser Permanente (in 11 available states)
Kaiser Foundation Health Plan of Washington (Washington)
Choose this option if
You prefer to pay a fixed amount per office visit and for other outpatient care.
You prefer to work with your primary care provider to coordinate your health care.
More details
Plan type: Preferred Provider Organization (PPO).
Key features:
Lower copays equal higher-value providers and facilities
Predictable out-of-pocket copays with no deductibles and no coinsurance.
Includes prescription coverage
Doula reimbursement
Preventive care: 100% covered
Out-of-pocket costs:
Copay only plan
No Deductible
No coinsurance
Provider network:
United Healthcare Choice Plus (Select Plus for those in California) nationwide network, including the Living Well Health Center & Pharmacy
Out-of-network care includes emergency room and ambulance services; additional care is covered with higher copays and may be subject to balance billing from out of network provider
Choose this option if
You want predictable out-of-pocket costs.
Ability to shop for medical care by viewing copays on the Surest member site before a medical visit
Key features:
Choose any provider you like, but you pay less when you use a provider in the extensive Premera Blue Cross Network
Includes prescription coverage
Preventive care: 100% covered
Out-of-pocket costs:
A deductible applies before the plan begins to pay for services, except for preventive care (covered at 100%)
Provider network:
Premera Blue Cross (nationwide)
Choose this option if
You are a Microsoft employee who lives in Hawaii.