Medical & prescriptions · Medical plans
Which medical plan costs me less?
Two plans. Same doctors. Different deductibles.
Both use the Blue Cross Blue Shield network, and in-network preventive care costs you $0† in either one.
Estimate your yearly cost
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Estimate for planning only, in-network care. Assumes prescriptions average 20% on the Traditional Plan. Does not include any Hormel contribution to your HSA. Not tax or investment advice; before acting on these results, consult a tax consultant or expert.
What do I pay when I use care?
Medical plans · using them
After the deductible, you pay 20%† for care in either plan.
Until you reach your yearly maximum. Preventive care is $0 from the start.
Healthy Savings Plan Prescriptions cost the same as care
Traditional Plan Care and prescriptions differ
Non-preventive care
20%you pay; the plan pays 80%
20%you pay
Emergency room
$300copay, then 20%
$300copay, then 20%
Prescriptions
20%you pay
10%generic
20%brand
35%not on the formulary
Immediate co-insurance, no deductible first. $5 minimum.
Both plans
Once you reach your maximum
The plan pays for the rest. Out of network may cost more.
100%
What comes out of your paycheck, per week
HC4 · Healthy Savings Plan · per week
Examples, not a quote.
| Coverage | Per week |
|---|---|
| Just you | $25 |
| You + spouse | $78 |
| You + children | $33 |
| Family | $52 |
HC4 · Traditional Plan · per week
Examples, not a quote.
| Coverage | Per week |
|---|---|
| Just you | $33 |
| You + spouse | $78 |
| You + children | $49 |
| Family | $83 |
HC4 · Dental and vision · per week
Examples, not a quote.
| Coverage | Per week |
|---|---|
| Just you | $8 |
| You + spouse | $9 |
| You + children | $9 |
| Family | $11 |
Weekly employee contributions from the 2027 benefits-database export (hormelfoods-variables-16.csv).
A dash means no such coverage is priced for that code.
Which medical plan should I pick?
Higher deductible Healthy Savings Plan
Lower deductible Traditional Plan
Deductible
$2,500†just you
$5,000family
You pay 100% of medical and prescription costs until you reach it.
$850just you
$1,700family: $850 each, met by 2 people
Medical only. Prescriptions are separate.
Most you pay in a year
$5,000just you
$10,000family, or $7,900 for any one person
Medical and prescriptions together.
$4,000just you
$8,000family
Medical. Prescriptions have their own limit: $2,500 just you, $5,000 family.
Comes with
A Health Savings Account (HSA) and a Limited Purpose FSA.
A Health Care Flexible Spending Account (FSA).
Do this
Pick one in Oracle by November 16, 2026. The next page shows what care costs under each.
Who to call
Questions? Horizon Solution Center · (866) 449-7712†
Read more in the 2027 guide, page 8 ›Read more in the 2027 guide, page 9 ›