ACA Basic High-Deductible Health Plan

The ACA Basic High-Deductible Health Plan works the same as the Stanford Choice HDHP, but has higher out-of-pocket costs.

This plan option meets the minimum essential coverage requirements under the federal health care reform, Affordable Care Act (ACA).

Network

The ACA Basic High-Deductible Health Plan uses the Aetna Choice Network and offers coverage for both in-network and out-of-network services.

Know where to go for care

Aetna formulary for all three plans: Aetna Standard Plan

Outpatient Services

Aetna will help you locate high-quality and cost-effective options for diagnostic services, lab draws, imaging, colonoscopies, and other services. Learn how you can reduce your costs when accessing these specific services: labs, imaging, and physical therapy.

View the Aetna Maximum Savings Guide

Advocacy Services and Clinical Care Management

Aetna offers a concierge program to help you maximize your benefits and guide you to the right resources. Clinical care specialists assist you in managing chronic medical conditions, answering questions, and finding the right doctors. Get started at Aetna’s website.

Plan Details

View 2026 Plan Details

Traveling Outside the U.S.

Benefits will be provided for covered services you receive anywhere in the world. We encourage you to see Aetna providers to help reduce your costs, but you still have the option to see any provider to get needed care.

You can access services through the Aetna Choice POS II network.

If you need to file a claim for emergency care received while overseas, contact Aetna at 855-888-9046 or 215-775-6445 to have an international claim form sent to you.

Learn more about traveling outside the U.S.

Plan Documents

Summary of Benefits Coverage (SBC)

An SBC is an overview of plan benefits, deductibles, copays, and coverage levels for a variety of commonly used medical treatments and services. Summary of Benefits Coverage (SBC)

Evidence of Coverage (EOC) / Summary Plan Description (SPD)

An SPD or EOC is the official, detailed plan document for each plan outlining information about eligibility, costs and cost-sharing, included and excluded services, claims process, procedures for filing grievances, complaints, and appeals.