At True Northern Insurance, we understand how important health coverage is — especially as you age. The right plan gives you peace of mind, knowing that when illness or injury happens, you won’t face it alone. Our health insurance options are built to help you stay protected and feel supported every step of the way.
We break down complex details into simple, easy-to-understand choices so you can feel confident about your coverage. Whether you want a plan with a wide choice of doctors, predictable costs, or extra support for preventive care — we’ll help you find what fits your life and your budget.
Choosing the right plan is about balancing your budget with the freedom to see the doctors you love. Here’s a quick guide to help you decide:
Best for: Maximum savings and predictable costs.
How it works: You’ll have a dedicated Primary Care Physician to coordinate your care within a specific local network, keeping your out-of-pocket costs at a minimum.
Best for: Maximum flexibility and "no-referral" freedom.
How it works: See any specialist you want without a referral. You’ll save most by staying in-network, but you still have the freedom to see out-of-network doctors if you choose.
Best for: A middle ground with lower rates and no referrals.
How it works: You don’t need to manage referrals through a primary doctor, but you must stay within the plan’s network to keep your coverage active.
Best for: Those who want in-network ease with an out-of-network "safety net."
How it works: Enjoy the freedom of an HMO for routine care, with the added option to see out-of-network specialists (with a referral).
Best for: Healthy individuals looking for the lowest monthly premiums.
How it works: Trade a higher deductible for much lower monthly payments—often paired with a Health Savings Account (HSA) for tax-free medical savings.
Best for: Young adults or those who want "worst-case scenario" protection.
How it works: Extremely low monthly costs that protect you from high medical bills in the event of a serious illness or injury.
