Premera can be a good insurance option, especially for those who value provider choice and plan flexibility. Key strengths of Premera health insurance include: Large provider networks with access to many doctors, specialists and hospitals PPO plans that allow out-of-network benefits and do not require referrals Range of HMO, PPO and HDHP options to fit different needs and budgets Strong focus on preventive care and wellness programs Good customer service reputation as a regional nonprofit insurer Downsides may include potentially higher premiums for PPOs compared to HMOs. Make sure to review plan details and costs thoroughly when considering Premera.