I want more control over my health care and access to any doctor
or specialist I choose.

I need a lower monthly premium so I'm willing to pay more for my
health care services as they occur throughout the year.

I want to pay as little as possible when I see a doctor, so I'm willing
to select a specific medical group and physician to coordinate all of
my health care needs..

I'm willing to pay a higher premium up front so that my costs for health
care services are lower as the occur throughout the year.