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Heidi Gollub
Heidi Gollub
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“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.
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Updated 4:13 a.m. UTC April 1, 2024
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Kaiser Permanente is the cheapest health insurance company of 2024, according to our analysis. We evaluated health insurance companies based on cost, coverage options, NCQA quality rating and consumer complaints.
Affordable health insurance companies of 2024
- Kaiser Permanente.
- Aetna.
- UnitedHealthcare.
Compare health insurance costs
Via Healthcare Marketplace’s Website
Provider network
23,900+ physicians in 39 hospitals and 622 medical facilities.
NAIC complaint level
Very low
Via Healthcare Marketplace’s Website
Provider network
More than 1 million providers
NAIC complaint level
Low
Why trust our health insurance experts
Our team of insurance experts evaluates hundreds of insurance products and analyzes thousands of data points to help you find the best product for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our methodology below.
- 129 health insurance companies analyzed.
- 864 health insurance plan rates reviewed.
- 5 levels of fact-checking.
Kaiser Permanente
Blueprint Rating
Via Healthcare Marketplace's website
NCQA quality rating
4.2/5
NAIC complaint level
Very low
What you should know
Kaiser Permanente is the largest private nonprofit health care company in the country. It services members in eight states and Washington, D.C. If you live in California, Colorado, Georgia, Hawaii, Maryland, Oregon, Virginia or Washington, you may be eligible for a Kaiser Permanente health insurance plan.
This health insurance company offers individual and family health maintenance organization (HMO) plans or exclusive provider organization (EPO) plans. You can also purchase Medicaid, including Medi-Cal, or Medicare plans if you qualify.
Kaiser’s coordinated care experience offers an integrated approach within its own network. Though this can limit flexibility, it’s part of the reason why Kaiser Permanente has the lowest level of member complaints in our list of best health insurance companies. Kaiser Permanente also has an average grade of 4.2 out of 5 from the National Committee for Quality Assurance (NCQA), which is the highest of any company in our analysis.
Pros and cons
Pros
- Affordable rates.
- Health care plans for all ages.
- High rating from the National Committee for Quality Assurance.
- Very low member complaints compared to the national average.
Cons
- No PPO option available.
- All care must occur within the Kaiser Permanente network.
- Coverage only available in 8 states plus Washington, D.C.
- Potential for long wait times to see specialists.
More details
Cost examples for Silver plan
Member | Monthly cost |
---|---|
Child age 0-14 | $269 |
Child age 18 | $306 |
Adult individual age 21 | $372 |
Adult individual age 27 | $390 |
Adult individual age 30 | $423 |
Adult individual age 40 | $476 |
Adult individual age 50 | $665 |
Adult individual age 60 | $1,011 |
Couple age 21 | $745 |
Couple age 30 | $845 |
Couple age 40 | $952 |
Couple age 50 | $1,330 |
Couple age 60 | $2,021 |
Couple age 21 + 1 child | $1,014 |
Couple age 30 + 1 child | $1,114 |
Couple age 40 + 1 child | $1,221 |
Couple age 50 + 1 child | $1,599 |
Couple age 21 + 2 children | $1,283 |
Couple age 30 + 2 children | $1,383 |
Couple age 40 + 2 children | $1,490 |
Couple age 50 + 2 children | $1,868 |
Couple age 21 + 3 or more children | $1,552 |
Couple age 30 + 3 or more children | $1,652 |
Couple age 40 + 3 or more children | $1,759 |
Couple age 50 + 3 or more children | $2,137 |
Individual age 21 + 1 child | $641 |
Individual age 30 + 1 child | $692 |
Individual age 40 + 1 child | $745 |
Individual age 50 + 1 child | $934 |
Individual age 21 + 2 children | $910 |
Individual age 30 + 2 children | $961 |
Individual age 40 + 2 children | $1,014 |
Individual age 50 + 2 children | $1,203 |
Individual age 21 + 3 or more children | $1,179 |
Individual age 30 + 3 or more children | $1,230 |
Individual age 40 + 3 or more children | $1,283 |
Individual age 50 + 3 or more children | $1,472 |
Aetna
Blueprint Rating
Via Healthcare Marketplace's website
NCQA quality rating
3.3/5
NAIC complaint level
Low
What you should know
Aetna offers HMO and EPO Affordable Care Act (ACA) plans in 12 states: Arizona, California, Delaware, Florida, Georgia, Illinois, Missouri, Nevada, New Jersey, North Carolina, Texas and Virginia.
Aetna’s individual options are Aetna CVS Health plans, which provide access to no-cost or low-cost care at more than 1,100 national MinuteClinic locations inside CVS or Target stores. Aetna also offers supplemental coverages, like dental, vision, accident, critical illness and hospital indemnity plans.
Eligible Aetna health insurance plans include access to the Attain by Aetna app, which offers rewards and incentives for completing healthy activities. The app combines your personal health history and wearable device data to provide personalized tips for nutrition, mindfulness, sleep and long-term health improvements.
Pros and cons
Pros
- Affordable plan rates.
- Discounts at CVS MinuteClinics.
- Rewards for living a healthy lifestyle with some plans.
Cons
- No PPO plan available.
- No short-term insurance option
More details
Cost examples for Silver plan
Member | Monthly cost |
---|---|
Child age 0-14 | $286 |
Child age 18 | $341 |
Adult individual age 21 | $373 |
Adult individual age 27 | $391 |
Adult individual age 30 | $424 |
Adult individual age 40 | $477 |
Adult individual age 50 | $667 |
Adult individual age 60 | $1,013 |
Couple age 21 | $747 |
Couple age 30 | $848 |
Couple age 40 | $954 |
Couple age 50 | $1,334 |
Couple age 60 | $2,027 |
Couple age 21 + 1 child | $1,032 |
Couple age 30 + 1 child | $1,133 |
Couple age 40 + 1 child | $1,240 |
Couple age 50 + 1 child | $1,619 |
Couple age 21 + 2 children | $1,318 |
Couple age 30 + 2 children | $1,419 |
Couple age 40 + 2 children | $1,526 |
Couple age 50 + 2 children | $1,905 |
Couple age 21 + 3 or more children | $1,604 |
Couple age 30 + 3 or more children | $1,704 |
Couple age 40 + 3 or more children | $1,811 |
Couple age 50 + 3 or more children | $2,190 |
Individual age 21 + 1 child | $659 |
Individual age 30 + 1 child | $709 |
Individual age 40 + 1 child | $763 |
Individual age 50 + 1 child | $952 |
Individual age 21 + 2 children | $945 |
Individual age 30 + 2 children | $995 |
Individual age 40 + 2 children | $1,048 |
Individual age 50 + 2 children | $1,238 |
Individual age 21 + 3 or more children | $1,230 |
Individual age 30 + 3 or more children | $1,281 |
Individual age 40 + 3 or more children | $1,334 |
Individual age 50 + 3 or more children | $1,524 |
United Healthcare
Blueprint Rating
Via Healthcare Marketplace's website
NCQA quality rating
3.5/5
NAIC complaint level
Average
What you should know
UnitedHealthcare has 1.3 million care professionals and physicians within its network, making it easier to get in-network health care anywhere in the country.
UnitedHealthcare is available on the Affordable Care Act (ACA) marketplace in 18 states: Alabama, Arizona, Colorado, Florida, Georgia, Illinois, Louisiana, Maryland, Massachusetts, Michigan, Nevada, New York, North Carolina, Oklahoma, Tennessee, Texas, Virginia and Washington.
Some health insurance coverage is also available directly through UnitedHealthcare in all 50 states and Washington, D.C., though available plans vary by state.
UnitedHealthcare also offers short-term health insurance, Medicare, Medicaid and supplemental insurance policies, such as critical illness, hospital, dental, accident and international travel insurance.
Pros and cons
Pros
- Supplemental add-ons can boost health insurance coverage.
- Large national network for care throughout the country.
More details
Cost examples for Silver plan
Member | Monthly cost |
---|---|
Child age 0-14 | $322 |
Child age 18 | $376 |
Adult individual age 21 | $431 |
Adult individual age 27 | $452 |
Adult individual age 30 | $489 |
Adult individual age 40 | $551 |
Adult individual age 50 | $770 |
Adult individual age 60 | $1,170 |
Couple age 21 | $862 |
Couple age 30 | $978 |
Couple age 40 | $1,102 |
Couple age 50 | $1,540 |
Couple age 60 | $2,340 |
Couple age 21 + 1 child | $1,184 |
Couple age 30 + 1 child | $1,300 |
Couple age 40 + 1 child | $1,423 |
Couple age 50 + 1 child | $1,861 |
Couple age 21 + 2 children | $1,505 |
Couple age 30 + 2 children | $1,622 |
Couple age 40 + 2 children | $1,745 |
Couple age 50 + 2 children | $2,183 |
Couple age 21 + 3 or more children | $1,827 |
Couple age 30 + 3 or more children | $1,943 |
Couple age 40 + 3 or more children | $2,067 |
Couple age 50 + 3 or more children | $2,505 |
Individual age 21 + 1 child | $753 |
Individual age 30 + 1 child | $811 |
Individual age 40 + 1 child | $873 |
Individual age 50 + 1 child | $1,091 |
Individual age 21 + 2 children | $1,074 |
Individual age 30 + 2 children | $1,133 |
Individual age 40 + 2 children | $1,194 |
Individual age 50 + 2 children | $1,413 |
Individual age 21 + 3 or more children | $1,396 |
Individual age 30 + 3 or more children | $1,454 |
Individual age 40 + 3 or more children | $1,516 |
Individual age 50 + 3 or more children | $1,735 |
Compare the best cheap health insurance companies
Health insurance company | Our rating | Average monthly cost of Bronze plans | Learn More CTA text | Learn more CTA below text | LEARN MORE |
---|---|---|---|---|---|
Kaiser Permanente | 5 stars | $797 | Compare Rates | Via Healthcare Marketplace's Website | |
Aetna | 4 stars | $878 | Compare Rates | Via Healthcare Marketplace's Website | |
UnitedHealthcare | 4 stars | $985 | Compare Rates | Via Healthcare Marketplace's Website |
Methodology
We analyzed the average rates of Bronze health insurance plans offered by the best health insurance companies across the nation. Those with the cheapest average cost made our rating of the best and most affordable insurance companies.
To first determine the best health insurance companies, we compared providers that sell individual health insurance plans. Each health insurance company was eligible for up to 100 points, based on its performance in the following key categories:
- Cost (30 points). Health insurance companies with the lowest average monthly premium and deductible for Silver tier health insurance plans received the highest score.
- Consumer complaints (25 points). Health insurance companies with the lowest levels of complaints received the highest score. We collected complaint data from the National Association of Insurance Commissioners, which shows the volume of health insurance consumer complaints against each company.
- NCQA quality rating (25 points). Health insurance companies with the highest quality ratings received the highest score. We collected data from the National Committee for Quality Assurance (NCQA), an independent, nonprofit organization that accredits health plans and produces ratings based on specific metrics.
- Variety of health insurance plans (10 points). Health insurance companies with the greatest variety of health insurance plans (HMO, EPO, PPO) received the highest score.
- Metal tier offerings (10 points). Health insurance companies with the most options of metal tier plans received the highest score.
How to get affordable health insurance
The best way to get the cheapest health insurance is through your workplace. Many employers offer group health insurance to their employees and families. Group health insurance is cheaper than getting individual health insurance, and most employers pay a portion of the health insurance premium, making your cost more affordable.
If you can’t get coverage through your workplace, the Health Insurance Marketplace may offer low-cost health insurance. There are usually several Affordable Care Act (ACA) compliant health plans in your area, and the website can help you choose one.
You might be eligible for even cheaper health insurance through Marketplace subsidies if your household income is at or lower than 400% of the federal poverty level for your household size.
Medicaid may be another option if you have a low income. This health insurance program can offer you comprehensive health insurance coverage at little or no cost.
Another option is going directly to a health insurance company. Plans may not be ACA-compliant, however. It’s worth reviewing and comparing the summary of benefits and coverage (SBC) for each plan to determine which will best fit your needs.
How much does health insurance cost?
Health insurance costs an average of $974 a month for a Bronze plan (the lowest level plan) on the ACA Health Insurance Marketplace, which is where you can buy a health insurance plan via Healthcare.gov. The monthly average cost increases to $1,269 for a Silver plan, $1,383 for a Gold plan and $1,724 for a Platinum plan.
Health insurance plan category | Health insurance company pays | You pay | Average monthly cost | Learn More CTA text | Learn more CTA below text | LEARN MORE |
---|---|---|---|---|---|---|
Bronze | 60% | 40% | $974 | Compare Rates | Via Healthcare Marketplace's Website | |
Silver | 70% | 30% | $1,269 | Compare Rates | Via Healthcare Marketplace's Website | |
Gold | 80% | 20% | $1,383 | Compare Rates | Via Healthcare Marketplace's Website | |
Platinum | 90% | 10% | $1,724 | Compare Rates | Via Healthcare Marketplace's Website |
There are several factors that affect how much you’ll pay for health insurance, including:
- Your age and the ages of your dependents.
- The health insurance plan copays, deductibles, coinsurance and out-of-pocket maximums.
- The health insurance coverage and metal tier you choose.
- The health insurance company and plan you choose.
- The type of health insurance policy (EPO, HMO, PPO, etc.) you buy.
The more the health insurance company covers, the more you’ll pay in health insurance premiums. If you choose a higher health insurance deductible and out-of-pocket maximum, you could save on your premium. Just be prepared to pay more out of pocket for your health care in exchange for that lower premium.
Average cost of health insurance by age
Member profile | Health insurance monthly cost | Learn More CTA text | Learn more CTA below text | LEARN MORE |
---|---|---|---|---|
Child age 0-14 | $291 | Compare Rates | Via Healthcare Marketplace's Website | |
Child age 18 | $343 | Compare Rates | Via Healthcare Marketplace's Website | |
Adult age 21 | $384 | Compare Rates | Via Healthcare Marketplace's Website | |
Adult age 27 | $405 | Compare Rates | Via Healthcare Marketplace's Website | |
Adult age 30 | $438 | Compare Rates | Via Healthcare Marketplace's Website | |
Adult age 40 | $492 | Compare Rates | Via Healthcare Marketplace's Website | |
Adult age 50 | $688 | Compare Rates | Via Healthcare Marketplace's Website | |
Adult age 60 | $1,044 | Compare Rates | Via Healthcare Marketplace's Website | |
Couple age 21 | $767 | Compare Rates | Via Healthcare Marketplace's Website | |
Couple age 30 | $875 | Compare Rates | Via Healthcare Marketplace's Website | |
Couple age 40 | $984 | Compare Rates | Via Healthcare Marketplace's Website | |
Couple age 50 | $1,376 | Compare Rates | Via Healthcare Marketplace's Website | |
Couple age 60 | $2,087 | Compare Rates | Via Healthcare Marketplace's Website | |
Couple age 21 + 1 child | $1,058 | Compare Rates | Via Healthcare Marketplace's Website | |
Couple age 30 + 1 child | $1,166 | Compare Rates | Via Healthcare Marketplace's Website | |
Couple age 40 + 1 child | $1,275 | Compare Rates | Via Healthcare Marketplace's Website | |
Couple age 50 + 1 child | $1,667 | Compare Rates | Via Healthcare Marketplace's Website | |
Couple age 21 + 2 children | $1,349 | Compare Rates | Via Healthcare Marketplace's Website | |
Couple age 30 + 2 children | $1,457 | Compare Rates | Via Healthcare Marketplace's Website | |
Couple age 40 + 2 children | $1,565 | Compare Rates | Via Healthcare Marketplace's Website | |
Couple age 50 + 2 children | $2,508 | Compare Rates | Via Healthcare Marketplace's Website | |
Couple age 21 + 3 or more children | $1,639 | Compare Rates | Via Healthcare Marketplace's Website | |
Couple age 30 + 3 or more children | $1,747 | Compare Rates | Via Healthcare Marketplace's Website | |
Couple age 40 + 3 or more children | $1,856 | Compare Rates | Via Healthcare Marketplace's Website | |
Couple age 50 + 3 or more children | $2,248 | Compare Rates | Via Healthcare Marketplace's Website | |
Adult age 21 + 1 child | $674 | Compare Rates | Via Healthcare Marketplace's Website | |
Adult age 30 + 1 child | $728 | Compare Rates | Via Healthcare Marketplace's Website | |
Adult age 40 + 1 child | $783 | Compare Rates | Via Healthcare Marketplace's Website | |
Adult age 50 + 1 child | $979 | Compare Rates | Via Healthcare Marketplace's Website | |
Adult age 21 + 2 children | $965 | Compare Rates | Via Healthcare Marketplace's Website | |
Adult age 30 + 2 children | $1,019 | Compare Rates | Via Healthcare Marketplace's Website | |
Adult age 40 + 2 children | $1,073 | Compare Rates | Via Healthcare Marketplace's Website | |
Adult age 50 + 2 children | $1,270 | Compare Rates | Via Healthcare Marketplace's Website | |
Adult age 21 + 3 or more children | $1,256 | Compare Rates | Via Healthcare Marketplace's Website | |
Adult age 30 + 3 or more children | $1,310 | Compare Rates | Via Healthcare Marketplace's Website | |
Adult age 40 + 3 or more children | $1,364 | Compare Rates | Via Healthcare Marketplace's Website | |
Adult age 50 + 3 or more children | $1,560 | Compare Rates | Via Healthcare Marketplace's Website |
Average monthly cost based on unsubsidized ACA plans. Source: Healthcare.gov.
If you’re shopping for cheap health insurance, there are multiple things to consider, including the plan type, tax credits and coverage choices. We break down the most important factors to consider when comparing quotes to find cheap medical insurance.
Bronze Plans
Of all the metal tiers, Bronze plans have the lowest premiums, though you’ll pay the most for your health care costs. With a typical Bronze plan, the insurance company pays 60% of covered expenses, while you pay 40%. Expect deductibles for Bronze plans to be thousands of dollars per year.
This plan is best for someone who wants health insurance coverage for severe injuries or illnesses but can afford to pay for preventive and routine care out of pocket.
Silver Plans
Health insurance companies usually pay around 70% of health care costs on a Silver plan, while you pay 30%. This metal plan offers lower deductibles than Bronze plans but has a higher monthly premium costs. Still, Silver plan deductibles can still be in the thousands.
“If you qualify for a subsidy and reduced cost-sharing, Silver plans may be the most affordable option for you,” said Evan Tunis, president of Florida Healthcare Insurance.
If you don’t qualify for a subsidy but are willing to pay a slightly higher premium to cover more routine care, consider a Silver plan.
Gold Plans
A Gold plan might be worth the cost if you go to the doctor regularly or have high health care costs. Although it has higher premiums than Bronze and Silver plans, your deductible is lower and the insurance company pays about 80% of your cost of care.
Platinum Plans
The metal tier plan with the highest cost is the Platinum plan, but it comes with the lowest deductible. Nearly all your health care costs will be covered, as the health insurance company generally pays around 90% of your covered expenses.
Tax credits for affordable health insurance
Some people qualify for a premium tax credit, which can unlock cheap medical insurance. When you apply for health insurance on the health exchange, you’ll enter your estimated income on the application. You could receive a tax credit depending on your income and household size. You can find out if your estimated income qualifies for a subsidy on the Marketplace website.
“If your income or household makeup changes during the year, you’ll want to update your application to see if it affects your credit,” said Tunis.
Gaining a household member or losing an income could increase your credit. Losing a household member or increasing your income could lower it. Taking more of a tax credit than you’re eligible for could mean you have to pay some of it back when filing your federal tax return.
HSA vs. FSA
HSAs and FSAs are two tax-advantaged savings vehicles you can use to pay for health care expenses.
A Health Savings Account (HSA) is available if you buy a high-deductible health plan (HDHP) with a minimum deductible of $1,500 for an individual or $3,000 for a family plan.
If you’re considering an HSA, check to see if the Marketplace plan has an “HSA eligible” label.
You can make pre-tax contributions and use the funds to pay for qualified medical expenses and costs to meet your deductible.
The HSA will also accrue interest, and the balance rolls over yearly. You can keep the HSA no matter your employment status and it acts like a retirement account once you turn 65. If you withdraw funds before 65 for non-medical purposes, they will be taxable.
A Flexible Savings Account (FSA) is an employee benefit some employers offer on employer-sponsored group health insurance plans. A predetermined amount of money is set aside pre-tax, which can be used for health care expenses and eligible dependent care.
Out-of-network coverage
Going “out of network” means seeing a health provider not contracted with your health insurance company or plan. If you go out of network to see a doctor, you’ll usually pay a higher coinsurance amount — the percentage you pay for covered services after you’ve met your deductible — than you would to see an in-network doctor.
“Knowing your out-of-network coverage can help you save money in the long run, especially for those who travel frequently or live near a state border,” said Tunis.
Out-of-network coverage can vary depending on the type of health insurance plan you buy. For example, if you have a Health Maintenance Organization (HMO) plan, your insurance might not cover out-of-network care unless it’s an emergency.
If you like your doctor or specialist and want to keep going to them, make sure they’re in network for the health insurance plan you’re considering.
Out-of-pocket maximum
Your out-of-pocket maximum is the most you’ll pay toward covered health care for your plan year. Once you’ve paid your deductibles, coinsurance and copayments and have met your annual out-of-pocket limit, your plan will pay 100% for covered expenses.
The following expenses do not go towards your out-of-pocket maximum:
- Health insurance premiums.
- Out-of-network expenses.
- Costs your provider charges above the allowed amount.
- Cost of services not covered.
The 2023 out-of-pocket limit varies for Marketplace plans but cannot exceed $9,100 for individuals and $18,200 for family coverage.
How to find the best affordable health insurance for your needs
Comparing health insurance quotes can be overwhelming, but these tips can help you find the best cheap health insurance plan for you.
- Consider your health care needs. If you don’t anticipate going to the doctor much, you could save by choosing an HDHP. But a Gold or Platinum plan may be worth it if you have chronic health conditions or expect to see the doctor regularly.
- Which plan type is best? An exclusive provider organization (EPO) plan only covers in-network care. A health management organization (HMO) plan will cover out-of-network care, but only for urgent or emergency care. A preferred provider organization (PPO) plan will cover out-of-network care without a referral for an additional cost.
- Check for pharmacy benefits. A formulary, or drug list, is a list of prescription drugs your insurance will cover and what category and cost a particular drug falls under. Todd Ackerman, president of World Insurance Associates, advises considering, “With prescription drug costs rising like they are, what are your prescription costs, and where do your prescriptions fall in the formulary on the plan you’re moving to?”
- Ask your healthcare providers what insurance plans they accept. Before you buy a health plan, call your doctor to make sure they take the specific plan. The health insurance company’s online directory could be out-of-date or not accurate.
- Verify the health plan cost. The cost isn’t just the premium. You should also consider the coinsurance, copay, deductible and out-of-pocket maximum.
- Are there other options? You might be able to get health insurance through your employer or get added to your spouse’s or parent’s plan. These options may be cheaper than getting an individual health insurance plan.
Compare health insurance costs
Via Healthcare Marketplace’s Website
Provider network
23,900+ physicians in 39 hospitals and 622 medical facilities.
NAIC complaint level
Very low
Via Healthcare Marketplace’s Website
Provider network
More than 1 million providers
NAIC complaint level
Low
Cheap health insurance FAQs
Kaiser Permanente has the best cheap health insurance, according to our analysis. But it is only available to members in eight states and Washington, D.C. The next best options are Aetna and UnitedHealthcare, which offer health insurance in all 50 states and Washington, D.C.
The cheapest health insurance for you may vary because the age of all household members and income factor into health insurance costs. Bronze and catastrophic plans offer the least coverage but have cheaper rates. Choosing a high-deductible health plan (HDHP) can also make health insurance more affordable.
The least expensive way to get the best health insurance depends on your income level.
- If you qualify for Medicaid or Marketplace subsidies, you could pay little to no cost for health insurance.
- If you don’t, a catastrophic or high-deductible health plan (HDHP) can be less expensive than other Marketplace plans.
The more health care costs an insurer pays, the more you’ll pay in health insurance premiums.
Medicaid is a government-based health insurance program for low-income people and is usually the least expensive. With a low income, you may not have any premium costs with Medicaid and minimal cost-sharing.
Qualifying for a subsidy through the Health Insurance Marketplace can lower your health insurance premium and cost-sharing, sometimes down to $0.
Short-term health insurance plans, employer-based health insurance or catastrophic plans may be the cheapest options if you don’t qualify for Medicaid or subsidies.
Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.
Blueprint has an advertiser disclosure policy. The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.
BLUEPRINT
Mandy is an insurance writer who has been creating online content since 2018. Before becoming a full-time freelance writer, Mandy spent 15 years working as an insurance agent. Her work has been published in Bankrate, MoneyGeek, The Insurance Bulletin, U.S. News and more.
BLUEPRINT
Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.
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