Private Health Insurance And Senior Medicare Rates
Major medical health insurance plans through the Marketplace are the most affordable type of coverage. As the nation’s premier consumer shopping website for healthcare plans and Senior benefits, we provide free online quotes for individuals, families, persons on COBRA, students, the uninsured, Senior Medicare-eligible applicants, and the self-employed.
2022 Small-business options, non-Obamacare, and non-subsidized plans are also available at the lowest available prices. Plans are offered with extensive numbers of doctors, specialists, hospitals, and medical facilities, including the UnitedHealthcare, Blue Cross, Cigna, Humana, Kaiser, and Aetna networks.
Within minutes, view comprehensive, catastrophic, child-only, HSA, short-term, and Medigap options in your area and enroll. You can also review single and multi-person plans that are not affiliated with the government and receive no federal subsidy. Often, these plans are approved within 24 hours, and include preventative, catastrophic, office visit, and prescription benefits.
There are no fees, and plans are offered during and outside of Open Enrollment periods. Reviewing your maximum out-of-pocket costs, copays, and deductibles help determine the best available plans. Multiple policies in your area can be instantly compared.
Senior Medicare Coverage
Supplement and Advantage (MA) options are also offered by private companies to applicants that are Medicare-eligible, along with Part D prescription drug plans. Supplement contracts are standardized, although Advantage plans can be customized to fit within your budget and cover many out-of-pocket expenses.
“High deductible” Plan F (HD) and Plan G (HD) options are popular low-cost policies. Plans F, G, and N are often requested since they provide the most comprehensive coverage. Applicants who have reached age 65 are typically eligible for different benefits than persons under age 65.
Easily, you can compare and use our content to find high-quality Marketplace coverage at the lowest available cost before, during, and after the Open Enrollment period. Approval is guaranteed without risk of being denied for underwriting reasons. There are no waiting periods or exclusion riders on ACA plans.
There are no fees to apply for coverage, and you will receive unbiased and expert assistance. Small-business coverage is offered through the SHOP Exchange. Non-Obamacare policies are also offered, although non-compliant plans will not qualify for a federal subsidy, and may not cover all pre-existing conditions. However, policies are often approved within 24 hours.
Senior Medicare Patrol (SMP) programs assist consumers in identifying fraud and notifying the appropriate resources. Thousands of volunteers help Medicare and Medicaid recipients by reviewing notices, offering seminars, and providing other free services.
Both Under And Over Age 65 Plans Available
Seniors that have reached age 65 and are Medicare-eligible, can choose many attractive Medigap and Advantage (MA) plans from a wide range of top-rated and reputable companies. Although supplemental benefits are not required, their inexpensive premiums often provide a cost-effective option for reducing out-of-pocket costs. Most persons need to sign up for Parts A and B benefits immediately prior to reaching age 65.
Separate drug prescription (Part D or Advantage) benefits are also available. PDP plans are generally inexpensive. Several of the least expensive Part D plans are SilverScript SmartRx, Wellcare Value Script, and Clear Spring Health Premier Rx.
If you have not yet reached age 65, 2022 private, Marketplace, or ancillary options include UnitedHealthcare, Blue Cross Blue Shield (BCBS), Cigna, Humana, Ambetter, Kaiser, and Aetna offering coverage, and the addition of many local and regional carriers (such as SummaCare and Paramount in Ohio, Geisinger in Pennsylvania, and Oscar in several states). Although many states have just one available carrier in specific counties, most areas offer multiple choices.
Wider selections of deductibles, copays and prescription benefits are also available. Preventative expenses continue to be covered at 100% for Exchange plans. However, allowed maximum-out-of-pocket costs and deductibles for private plans have increased to $8,700 per person, an increase of $150 from last year.
HSAs remain popular and are available in all states. Qualified medical, dental, and vision expenses may be paid with pre-tax dollars. The CARES (Coronavirus Aid, Relief, And Economic Security) Act allows HSAs to buy certain OTC drugs and medications.
The maximum allowed contribution is $3,650 for an individual plan and $7,300 for a family plan. An annual $1,000 catch-up contribution is available for ages 55 and older. HDHP minimum deductibles are $1,400 (individual) and $2,800 (family). Maximum out-of-pocket limits are $7,050 per person and $14,100 per family.
What Is The Cost Of Coverage?
How much is health insurance? We help you find quality low-cost policies for you or any dependent, whether you are working or unemployed. If your status changes, we also help you adjust any existing coverage so you are still receiving the cheapest available rate. Many budget-friendly options allow you to obtain a plan that costs less than $100 per month.
For Seniors, many Medicare Advantage plans feature $0 premiums with prescription drug benefits included. Dental, vision, and hearing benefits are also offered. We can also customize your quote to show the plans that best fit your health and household income situation.
If you are eligible for a federal subsidy, we calculate the amount and show you how much it reduces your premium. Your federal tax credit is instantly applied so you don’t have to wait for a refund to receive it. It is also possible you will be eligible for Medicare, Medicaid, or CHIP, depending on your age and income.
As your household income, and ages and number of persons to be covered change, your subsidy eligibility can also be impacted. Changes in employment status, can often cause large increases or decreases in federal aid. Changes in the makeup of the household can also impact the subsidized premium, deductibles, and copays.
2022 Monthly Rates For ACA-Compliant (Obamacare) Plans By State
(Subsidies not included and premiums will vary, depending on county of residence, age, and household income)
Alabama – $690
Alaska – $736
Arizona – $584
Arkansas – $538
California – $573
Colorado – $482
Connecticut – $684
Delaware – $660
District Of Columbia – $517
Florida – $592
Georgia – $589
Hawaii – $628
Idaho – $531
Illinois – $633
Iowa – $818
Kansas – $634
Kentucky – $617
Louisiana – $674
Maine – $552
Maryland – $445
Massachusetts – $403
Michigan – $477
Minnesota – $452
Mississippi – $602
Missouri – $631
Montana – $577
Nebraska – $756
Nevada – $516
New Hampshire – $516
New Jersey – $553
New Mexico – $475
New York – $597
North Carolina – $656
North Dakota – $446
Ohio – $518
Oklahoma – $635
Oregon – $567
Pennsylvania – $643
Rhode Island – $432
South Carolina – $601
South Dakota – $679
Tennessee – $637
Texas – $528
Utah – $417
Vermont – $644
Virginia – $636
Washington – $507
West Virginia – $984
Wisconsin – $653
Wyoming – $957
During And After Open Enrollment
When Open Enrollment ends, our website shows you the best policies that keep you covered until the next enrollment period. Although there are several pre-approved exceptions (delivering a child, termination from employer, divorce, moving to another area, and child reaching age 26), you can still apply for a medical plan any time of the year. Flexible short-term policies (discussed later) are popular options if you need quick coverage. You can apply and get approved in less than an hour with several carriers.
We realize that researching plans and understanding all of the terms, conditions and exclusions is very difficult. Even if you don’t have current benefits, we make the shopping experience easier so you can secure quality benefits at a great rate. In very little time, you can find and apply for a policy. If you are not yet eligible for Medicare, a group or individual policy can be found. And many companies offer dental and vision options. The financial protection you receive will be appreciated.
When you buy coverage, we simplify the process by doing all of the work for you. Only the most reputable and highest-rated companies are recommended to ensure you’re receiving benefits you can use. Both high deductible, copay, comprehensive, and catastrophic options are researched so you can quickly determine the most appropriate choice. We’ll also teach you about national legislative reform changes and if that impacts you or your family. With every new election comes minor (sometimes major) tweaks and changes.
Senior Medicare Plans
Persons age 65 or over are typically eligible for Medicare. As previously mentioned, you can easily compare Medigap and Medicare Advantage plans from the most reputable carriers on our website. Although federal subsidies do not apply, premiums are generally much lower than private plans for persons under age 65. Open Enrollment (Annual Coordinated Election Period) begins on October 15th and ends on December 7th. This ACEP also allows applicants to switch from traditional Medicare to an Advantage plan, and vice versa.
Part D drug prescription coverage is also offered, although many “Advantage” plans include these benefits. An “Annual Notice Of Change” (ANOC) is generally sent in September to notify covered persons of any changes in benefits, rate, or service that is provided by the policy. Generally, Medigap plans are designed to pay out-of-pocket costs (copays, coinsurance, and deductibles) that Original Medicare many not cover.
The 2022 Part D standard deductible is $480 (up from $445). The initial coverage limit gap (donut hole) begins at $4,430. $7,050 is the out-of-pocket threshold, and the catastrophic benefits begin after the coverage gap and out-of-pocket spending of $10,690.20. Minimum catastrophic cost-sharing is $3.95 (generic) and $9.85 for all other drugs.
Supplementary contracts are standardized, which makes the process of comparing plans much easier. Available options include Plans A, B, C, D, F, G, K, L, M, and N. A separate high-deductible G option is also offered. A high-deductible F plan is available for many existing enrollees. Part A coinsurance and 365 days of hospital expenses are included on all policies. Prices of plans may vary, depending upon which are of the state you reside.
When you purchase health insurance through an Exchange, we help guide you through the process so you are matched with the best option. Instead of choosing from hundreds of plans, there are four main options- Bronze, Silver, Gold and Platinum. Each choice has a different set of out of pocket costs (and premiums). Policies will be available both inside and outside of the Exchanges.
Higher-income earners may benefit from HSA plans that may offer better Network coverage and more affordable pricing. Negotiated-network repricing can substantially reduce out-of-pocket costs.
Note: Several states operate their own enrollment Marketplace, although most are federally-run. For example, Pennsylvania began operating their own state Marketplace (Pennie), and also extended the Open Enrollment period by 30 days.
Low-cost catastrophic plans are also available. However, to qualify for these special policies, applicants must be under age 30, or show the inability to afford other “Metal” plans. Catastrophic policies typically have higher deductibles and are not eligible for the federal subsidy. Thus, if your household income is under 400% of the Federal Poverty Level (FPL), and especially 250%, since you likely qualify for a subsidy, these types of plans may not be appropriate.
Help with enrollment is part of the free service we provide. After reviewing your government subsidy eligibility, we will compare the policies that offer you the lowest out-of-pocket costs for the best rate. If you have pre-existing conditions, we determine which policies best pay for your treatment at an affordable cost. Balance billing and formulary drug list issues are also reviewed, along with the specialists and medical facilities included in the carrier network.
With our state-of-the-art software combined with live personal support, the best medical coverage is just moments away! Throughout your visit, there are many articles providing you information on hospitalization coverage, short-term policies, ways to reduce your expenses and more.
You may also see a variance in rates from one state to another. For example, Ohio health insurance rates will be less than rates from Illinois. Texas, New York, and California have the highest healthcare rates in the US. This is just a small part of the underwriting process.
If you missed Open Enrollment, as earlier mentioned, there are several policies that can be easily purchased at any time. They can also be canceled with no minimum requirement times for keeping coverage. Up to $2 million of healthcare benefits can be provided with deductibles ranging from $500 to $10,000.
How To Use This Quote Website
Our job is to provide the tools that allow you to easily choose the best plan for your specific needs. When you enter your zip code at the top of the page, the quoting process will begin. Very quickly, will be able to view plans side-by-side and pick the monthly premium that you want to pay. Of course, we’ll be available to help explain all of your options and guide you through the application process.
Since insurance rates are fixed by law, we’re able to offer the guaranteed lowest allowable costs. But we believe it is equally important to make sure the company we recommend is offering quality coverage and benefits, that, if needed, you will be able to easily use. Please don’t hesitate to contact us if you have any questions regarding any plan you see. Plan details and rates often change so we regularly update prices and coverages.
Types of Coverage
Catastrophic major medical coverage is the least expensive form of coverage. Commonly known as “High Deductible Health Plans” (HDHPs), these types of policies were created to lower insurance costs by offering a lower monthly premium in exchange for a higher annual deductible. Typically, catastrophic plans cover only major hospital and medical expenses after a deductible is met.
Often, to keep the premium low, these deductibles are in the $5,000-$8,700 range. The most common buyers of catastrophic health plans are persons between the ages of 22-28 and 50-64. However, if you are fairly healthy, at any age, you may want to consider this type of plan.
Here’s how a typical policy works. Assume you owned an Aetna plan with a $5,000 deductible and 20% coinsurance, and you have a $100,000 hospital bill. Once Aetna has payed your deductible, there is a $95,000 balance. Typically, there is a cap on the 20% of that amount that you are responsible for. Assuming it is $3,000, your total bill would be $8,000. Even if the claim is $250,000, $8,000 would be your total responsibility. You can also easily lower your out of pocket amount, by electing a 0% coinsurance or a lower deductible.
Comprehensive major medical coverage is the most expensive form of coverage. In addition to the typical catastrophic benefits, additional coverage is often included, such as primary physician and specialist office visits, generic and non-generic prescriptions, preventive services and maternity. Physical therapy, skilled nursing and home care are additional common benefits. However, comprehensive health care often costs twice or three times the premium of traditional catastrophic coverage. Employer-provided major medical benefits are often comprehensive coverage, but premiums are often partially paid as part of a benefit package.
Typically, you can choose either a PPO, EPO, or HMO policy. A Preferred Provider Organization allows you to select from a large Network of providers. This includes primary care physicians, specialists and hospitals close to you. If it is a large insurer, such as Blue Cross, UnitedHealthcare, or Humana, you can choose among thousands of providers across the country. Not all companies participate in federal or state Exchanges.
A Health Maintenance Organization tends to be a bit more restrictive, since most of your treatment revolves around one person and a specific area. But sometimes, their premiums are lower and most HMOs feature top-notch benefits. An EPO (Exclusive Provider Organization) will not allow you to receive non-emergency services outside of the network. However, the negotiated discounts can be quite substantial.
Health Savings Accounts (HSAs) are an affordable alternative to traditional insurance. It is a tax-favored savings account that offers a different way for consumers to pay for their insurance. HSAs allow you to pay for current medical expenses and save for future qualified expenses on a tax-free basis. To take advantage of an HSA, you must have a High Deductible Health Plan (HDHP). An HDHP is a catastrophic policy that costs much less than traditional health care.
The money you save can be deposited, and used for qualified expenses. You also completely control the money in your contract and decide which type of investments to use. The IRS approval of HSAs has been unwavering and is not expected to change. However, each year, annual contribution limits, and maximum allowed out-of-pocket expenses often increase.
Whether you choose a catastrophic, comprehensive or HSA plan, we’ll help you find the most affordable option at the lowest allowable rate. We never charge any fees for our service and our always available to discuss the specific insurance plans that are most suitable for you.
Compare And Apply For Most Affordable Plans
Our website uses state-of-the-art technology (and LIVE persons waiting to help you!) that allows you to easily compare different plans from the top US insurers. Your rate is based on the information you provide and only the top-rated companies are shown. We will never use “medical discount plans,” which often contain limited coverage with high enrollment fees. If you just need coverage for a dependent, then this page will help.
You’ll find that most of the companies we recommend are the trusted names that you recognize, such as Blue Cross, Aetna, Humana, Cigna, Kaiser, Ambetter, Molina, and UnitedHealthOne (formerly UnitedHealthCare). We carefully review all of the major medical insurance available plans from each company, and recommend the plan that fits your particular budget and needs. Unlike many websites that simply provide only quotes, we feel it is important to understand the exact type of coverage you need, so that we can present the most affordable policy options at the best available prices.
Individual, Family, or Self-Employed Policies
Individual plans are designed to cover one person. Naturally, premiums can be very inexpensive, especially, if it is a “catastrophic” policy. Rates can greatly vary with different companies, so we will study all of the available options before recommending the plan that best meets your needs. When you purchase private coverage, you have complete control over the type of benefits you want, how long you want to keep the policy in force, and whether you wish to keep it portable.
Personal coverage is also much more flexible than an employer-provided medical plan. Instead of a few choices regarding riders and plan designs, there will be hundreds of different combinations to choose from. If your doctor is not a participating provider of one company, then you can easily choose another. Whether you just left an employer plan or are buying a policy for the first time, we’ll help you find many affordable options.
Family plans provide coverage for two or more persons. Usually, office visit, prescription and preventive benefits are included along with the catastrophic coverages. To keep out-of-pocket expenses down, office visit and prescription copays are often low and not subject to a deductible. Rates are higher than individual plans, but raising the deductible will help keep the rate affordable. Some companies will provide a discount when you bundle more than one person on the same policy.
Self-employed plans feature tax-saving benefits that allow you to pay for many qualified medical expenses on a tax-free basis (HSA). When preparing recommendations for the self-employed, we feel it is important to understand what coverages you have used the most in the past, and then tailoring a major medical health insurance plan that meets your specific needs. Often, the policy is a combination of catastrophic and comprehensive coverages.
Feel free to browse our website for the most up-to-date information on current medical plans, Senior Medicare plans, State Exchanges, free quotes, and expert advice on how you can save money. Whether you need a Marketplace policy with a subsidy, or you missed Open Enrollment, we do the shopping so you do the saving.
Sample Individual Health Insurance Rates
Shown below are monthly rates in several areas for a 40-year-old with income of $35,000. The illustrated plan is the least expensive available policy.
$19 – Friday Health Plans Bronze Basic
$51 – Oscar Bronze Simple
Des Moines, IA
$37 – Oscar Bronze Super Simple
$65 – L A Care Health Plan Bronze 60 HMO
$3 – -Friday Health Plans Bronze Basic
$0 – Capital Blue Cross Bronze PPO 7450/0/50
$0 – Dean Focus Network Bronze copay Plus 8650X
$28 – Bright Health Super Bronze 87 Limited
$0 – Bright Health NHN/BHC Bronze 8700
$35 – Kaiser Bronze 60 HDHP
St. Louis, MO
$56 – Medica Bronze Value
St. Paul, MN
$105 – UCare M Health Fairview Bronze HSA
Salt Lake City, UT
$0 – SelectHealth Value Benchmark Bronze 6800
$38 – CHRISTUS Health Plan Individual Basic Bronze
Current Proposed Rate Changes
Shown below are proposed premium changes for several states:
District Of Columbia
CareFirst HMO Blue Choice – 14.7% increase
CareFirst PPO – 0.6% decrease
Kaiser Health Plan – 1.97% decrease
Anthem – 16.62% increase
CareSource – 5.3% increase
Anthem – 1.1% decrease
Harvard Pilgrim Health Plan – 0.4% increase
Main Community Health Options – 10.2% decrease
CareFirst Blue Choice – 1.1% decrease
Kaiser Health Plan – 11.0% decrease
Blue Care Network Of Michigan – 2.5% increase
BCBS Of Michigan – 1.7% increase
Oscar – 6.0% increase
McLaren – 2.0% decrease
Meridian – 2.7% increase
Molina – 0.4% increase
Physicians Health Plan – 3.1% increase
Priority Health – o.12% decrease
Total Health Care USA – 0.39% decrease
Emblem – 9.5% increase
Excellus – 1.51% increase
Fidelis – 18.82% increase
Healthfirst – 2.3% increase
Healthnow – 1.94% decrease
HealthPlus HP – 16.64% increase
IHBC – 3.67% decrease
MetroPlus – 9.58% increase
MVP Health Care – 6.74% increase
Oscar – 19.1% increase
UnitedHealthcare – 13.79% increase
Bridgespan – 11.1% increase
Kaiser – 3.51% decrease
Moda – 4.7%
PacificSource – 4.2% increase
Providence Health Plan – 2.4% increase
Regence BCBS – 2.5% increase
Bridgespan – 0.03% increase
Regence BS – 2.71% decrease
Lifewise Health Plan – 3.445 increase
Premera BC – 8.99% decrease
Providence Health Plan – 2.99% increase
Regence BCBS – 4.71% decrease
Kaiser – 4.87% decrease
Molina – 0.27% increase