PPO HDHP Embedded Deductible $1,000 / $2,000 $3,300 / $6,000 (Single/Family) Out-of-Pocket Max $6,500 / $13,000 $6,700 / $13,000 (Single/Family) Coinsurance 20% 20% Preventive Care No charge No charge Primary Care Deductible + coinsurance Deductible + coinsurance Specialist Visit Deductible + coinsurance Deductible + coinsurance Emergency Room Deductible + coinsurance Deductible + coinsurance Urgent Care Centers Deductible + coinsurance Deductible + coinsurance Out-of-Network Benefits: PPO deductible is $2,000 / $4,000 and HDHP is $6,000 / $12,000. PPO OOP is $11,500 / $23,000 and HDHP is $13,000 / $26,000. PPO coinsurance is 50% and HDHP coinsurance is 40%.