Adobe Medical plan decision support tool
Answer a few simple questions to see which Adobe medical plan may be best for you.
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Where do you live?
California or Washington
Hawai‘i
Another state
Medical Plan Decision Support
You have access to great Adobe plans from Aetna and Kaiser. How important is a Health Savings Account (HSA) to you?
I want a plan that includes an HSA.
I don’t need a plan that includes an HSA.
You have access to great Adobe plans from Aetna. How important is a Health Savings Account (HSA) to you?
Some plans offer the option to use out-of-network providers. How important is this to you?
I want access to out-of-network providers.
I’m OK with using only in-network providers.
Health care costs are a trade-off between your paycheck contributions and your out-of-pocket costs. Which do you prefer?
I’d rather pay less each pay period and pay more when I need care.
I’d rather pay more each pay period and pay less when I need care.
The plans from Aetna and Kaiser are based on different models for delivering care. Which do you prefer?
I prefer the opportunity to select my own doctors and facilities within an Aetna network.
I prefer the model of centralized care management through Kaiser doctors and facilities.
Start over
Your result: Hawai'i Medical Service Association (HMSA)
Since you live in Hawai'i, Adobe offers you bundled, medical, prescription, dental and vision coverage through HMSA.
Paycheck contributions
$
Aetna HealthSave $$
Aetna HealthSelect EPO $$$$
Kaiser HMO $$$
Point-of-care cost (deductible, copays, and coinsurance)
Aetna HealthSave Basic $$$$ Variable
Aetna HealthSave $$$ Variable
Aetna HealthSelect EPO $$ Fixed copays for many services; variable1 for others
Kaiser HMO $ Fixed copays for most services
Provider choice
Aetna HealthSave Basic In-network and out-of-network
Aetna HealthSave In-network and out-of-network
Aetna HealthSelect EPO In-network only
Kaiser HMO In-network only
Available health care account
Aetna HealthSave Basic HSA with no Adobe contribution
Aetna HealthSave HSA with Adobe contribution
Aetna HealthSelect EPO Health Care FSA
Kaiser HMO Health Care FSA
* Costs will vary based on provider rates, customary charges, and whether you’ve met your deductible. For a detailed plan comparison, review the 2025 Rewards Guide [PDF]. Complete coverage details are in the plan documents.
Your result: Aetna HealthSave
Aetna HealthSave Basic
Aetna HealthSelect EPO
Kaiser HMO
Aetna HealthSave
$$
$$$$
$$$
$$$$ Variable*
$$$ Variable*
$ Fixed copays for most services
In-network and out-of-network
In-network only
HSA with no Adobe contribution
HSA with Adobe contribution
Health Care FSA
Aetna HealthSave Basic $
$$ Fixed copays for many services; variable* for others
OK! With your preferences for how you want to pay for care now and in the future, it sounds like a plan with a Health Savings Account could meet your needs. You should look at the Aetna HealthSave plan to confirm that’s the plan for you. The HealthSave plan covers most in-network services at 90% after you meet your deductible. It offers access to a large network of providers and the option to go out of network at a higher cost. The plan includes a Health Savings Account (HSA) with an Adobe contribution, which you can use for health care expenses now or save it for the future. You must be HSA-eligible to enroll in this plan. If you’re enrolled in Medicare or TRICARE, you can enroll in this plan, but without an HSA.
Your result: Aetna HealthSave Basic
OK! With your preferences for how you want to pay for care, it sounds like the Aetna HealthSave Basic plan may be a good fit for you. The HealthSave Basic plan has the lowest paycheck contributions, but when you get care, you’ll pay more. It has higher deductibles than the HealthSave plan, and the plan pays for a smaller share of medical expenses—80% in-network after you meet your deductible. If you’re HSA-eligible, you have the option to put money into a Health Savings Account (HSA) to use for health care expenses, but you will not receive an Adobe HSA contribution.
Your result: Aetna HealthSelect EPO
OK! With your preferences for how you want to receive and pay for care, it sounds like the Aetna HealthSelect EPO may be a good fit for you. The HealthSelect EPO is an in-network-only plan; you must use providers in the Aetna Select Network or Utah Aetna Extended Network. This plan has the highest paycheck contributions but offers more predictability for your out-of-pocket costs. You can expect fixed copays for many services, with no deductible. Other services are subject to a low deductible, and most are covered at 90%. If you live in California or Washington, you may consider this plan as an alternative to the Kaiser HMO if you want low copays and 90% coinsurance through providers in the Aetna EPO network. Check the Aetna EPO network. With this plan, you can elect to contribute to a Health Care Flexible Spending Account (HCFSA).
Your result: Kaiser Permanente HMO
OK! Based on your preferences for how you want to receive and pay for care, it sounds like the Kaiser HMO may be a good fit for you. The Kaiser plan—available only to residents of California and Washington—delivers care in a way that many find easy and convenient. Your paycheck contributions are higher, but when you get care, you pay predictable copays for most eligible services. You must use Kaiser doctors, pharmacies, and facilities, and your care is subject to referrals from your primary care physician. With this plan, you can elect to contribute to a Health Care Flexible Spending Account (HCFSA). If you are in an Aetna plan now, you may also want to consider the new Aetna HealthSelect EPO as an alternative to the Kaiser HMO if you want low copays and 90% coinsurance through providers in the Aetna EPO network. Check the Aetna EPO network.
