Best Health Insurance

See If You Qualify for Lower Rates

Say goodbye to insurance confusion and hello to clarity with TrySmartly, your dependable roadmap to health coverage. We recognize that everyone has distinct health needs and financial boundaries. Our primary goal? To make understanding insurance – in all its complexities – a straightforward, streamlined experience.

The vast healthcare insurance landscape can be daunting when trying to compare health insurance plans. That's where TrySmartly steps in. We offer an array of resources, insights, and tools crafted to enlighten and inform, allowing you to make well-versed decisions about your health insurance choices.

Best Individual Health Insurance

When seeking the best individual health insurance, you need to find a provider that offers affordable health insurance and quality coverage. UnitedHealthcare, one of the best health insurance companies in the United States, fits this bill.

UnitedHealthcare policyholders benefit from an expansive network of 1.3 million physicians and care professionals, plus 6,500 hospitals and care facilities in many parts of the U.S. The company holds an average 3.7 out of 5 rating from the National Committee for Quality Assurance.

Plan and Coverage Options

UnitedHealthcare presents two main types of health insurance plans on the ACA marketplace:

  • HMO (Health Maintenance Organization): With an HMO plan, you're covered for care from providers within the plan's network. You'll typically need a referral to see a specialist.
  • EPO (Exclusive Provider Organization): With an EPO plan, your coverage extends to physicians, specialists, or hospitals within the plan's network, and you typically don't need a referral to see a specialist.

Aside from Affordable Care Act (ACA) marketplace plans, UnitedHealthcare's offerings extend to employer-based plans, Medicare, Medicaid, short-term health insurance, and supplemental insurance, which includes critical illness insurance.

Individual Health Insurance Pricing

The affordability of a UnitedHealthcare plan depends on numerous factors like the plan type, metal tier, age, and where you live. However, to give you an idea, the average monthly cost of an ACA marketplace plan for a 30-year-old is $403, for a 40-year-old is $454, and for a 50-year-old is $634.

Individual Coverage Extras

When it comes to added value, UnitedHealthcare goes beyond just the basics. Here are some extra perks offered by the company:

  • Zero-Dollar Primary Care Visits: Some plans offer $0 co-pays for appointments with your primary care physician.
  • Unlimited Virtual Visits: With unlimited virtual visits, you can consult a healthcare professional without leaving the comfort of your home.
  • Affordable Prescription Options: Partnering with pharmacies like Walgreens, UnitedHealthcare offers some prescriptions at $3.
  • Digital Fitness Class Subscription: UnitedHealthcare offers a digital fitness class subscription to encourage an active and healthy lifestyle.
  • Adult Vision and Dental: Some plans offer adult vision and dental benefits to cover all aspects of your health.
  • Health Savings Account Eligibility: UnitedHealthcare offers a Health Savings Account (HSA), allowing you to set aside money for medical expenses tax-free.
  • Prescription Drug Delivery: Some plans offer the convenience of prescription drug delivery right to your doorstep.

Find health insurance that’s right for you – get started today.

Best Cheap Health Insurance for Families

Are you seeking a cheap family health insurance provider that combines value, reliability, and extensive coverage? Consider Kaiser Permanente.

Kaiser Permanente is a nonprofit organization offering integrated healthcare services, combining health insurance and health service delivery for a holistic experience. Its comprehensive provider network includes 39 hospitals, 734 medical facilities, and 23,656 physicians.

However, it is only available in eight states, including Hawaii, Washington, Oregon, California, Colorado, Maryland, Virginia, Georgia, and the District of Columbia.

Kaiser Permanente also extends beyond medical care with its Thrive Local program, connecting members to non-medical and socio-economic services. These services include mental health counseling, food assistance programs, and housing support.

Plan and Coverage Options

Kaiser Permanente presents a variety of health insurance plans, including individual and family health insurance, Medicaid (including Medi-Cal), and Medicare. It also provides two affordable plans on the health insurance marketplace: Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans.

Family Health Insurance Pricing

Kaiser Permanente stands out for its affordability, particularly for families. The average monthly costs for a family of four are as follows:

  • Bronze Plan: $927
  • Silver Plan: $1,254
  • Gold Plan: $1,261

These costs can vary depending on factors such as family size, age of the policyholder, and location.

Family Insurance Extras

Kaiser Permanente does more than offer basic health insurance. It actively promotes a healthier lifestyle with the following benefits:

  • Holistic Care at a Discount: The company offers reduced acupuncture, massage therapy, and chiropractic care rates.
  • Fitness Incentives: Policyholders can save on gym memberships and access digital workout videos at special rates.
  • Healthy Living Programs: You can use online tools to help you quit smoking, lose weight, and manage stress.
  • Wellness Coaching: Patients can take advantage of one-on-one phone consultations to set and meet their health goals.
  • Mental Resilience with Calm: You can enjoy free access to the Calm app for meditation and stress management.
  • Mental Health Support via MyStrength: Kaiser’s free MyStrength app helps you set mental health goals and get support for managing depression and anxiety.
Note: These extras may vary depending on your location.

Explore your health insurance options today – click here to get started.

Best Health Insurance for Young Adults

As young adults navigate the complexities of health insurance for the first time, Blue Cross Blue Shield stands as a reliable option for adaptable and wide-ranging coverage.

With its extensive network across all 50 states and Washington, D.C., Blue Cross Blue Shield (BCBS) ensures you're never too far from quality healthcare. BCBS is a federation of 34 independent companies, each offering unique plans tailored to their communities' needs. As such, BCBS presents various coverage options to match every individual's unique healthcare needs.

Plan and Coverage Options

Blue Cross Blue Shield delivers diverse health insurance plans to meet your specific needs, featuring choices that span from the ACA marketplace to individual coverage. Here are the coverage options available to young adults:

  • HMO (Health Maintenance Organization): Opt for an HMO plan when you prefer to stick within a designated network of healthcare providers. Note that a referral is usually required to consult with a specialist.
  • PPO (Preferred Provider Organization): If you want more flexibility in selecting healthcare providers, a PPO plan may suit you best. These plans allow you to see any doctor without a referral, although staying within the network will save you money.
  • Regional PPO Plans: Tailored to serve specific geographic areas, Regional PPO plans offer a balance between network restrictions and cost, allowing you to access care both within and outside your locale.
  • Private Fee-for-Service Plans: For those who prioritize complete control over their healthcare decisions, private fee-for-service plans enable you to select any provider willing to accept the plan's terms and conditions.

Young Adults Health Insurance Pricing

For young adults seeking coverage, BCBS presents affordable options. The average monthly premium for a 21-year-old is approximately $419, while a 27-year-old would pay an average of $431 per month.

While these prices may be slightly higher than some competitors, BCBS's extensive coverage, global provider network, and wellness discounts can make it a worthwhile investment for your health.

With BCBS, you're not limited to local options. You can access healthcare providers across 200 countries through Blue Cross Blue Shield Global Core, expanding your healthcare reach beyond your immediate surroundings.

Young Adults Insurance Extras

Blue Cross Blue Shield (BCBS) goes beyond just insuring you. It enriches your health journey with a slew of extras tailored for young adults:

  • Virtual Visits Anytime, Anywhere: In collaboration with MDLIVE, BCBS offers you the convenience of virtual consultations for non-emergency conditions 24/7.
  • Dental Coverage Options: Choose from plans that offer comprehensive dental care, ensuring your smile stays as healthy as you are.
  • Keep Your Eyes Sharp: BCBS provides coverage for routine eye exams and even offers allowances for frames or contact lenses.
  • Hearing Support: Partnering with TruHearing®, BCBS offers routine hearing exams.
  • Effortless Spending: Some plans come with a preloaded flexible spending card to help you manage your out-of-pocket expenses for dental, vision, and hearing services.
  • Over-the-Counter Perks: Certain plans include coverage for over-the-counter medications and health-related items delivered to your doorstep.
  • SilverSneakers Fitness Program: Access to thousands of gyms and group exercise classes aimed to keep you fit and healthy.
  • 24/7 Nurse Hotline: For quick medical advice, call the round-the-clock Nurseline.
  • Transportation Benefits: Check your plan for potential coverage of routine transportation to and from medical appointments.
  • Reward Yourself: Participate in the Rewards Program to earn up to $100 in gift cards from various retailers by completing healthy actions.
Note: Availability of these extras may differ based on the specific BCBS subsidiary and your plan details.

Best Affordable Health Insurance for College Students

Navigating the healthcare landscape as a college student comes with its own unique set of challenges. A cost-free way to maintain health coverage is to stay on your parent’s plan until you’re 26. Another affordable option is to get health coverage through your university. School-sponsored health plans cover basics but may not offer comprehensive coverage or may have limitations.

If you’re looking for more coverage or don’t qualify to remain on your parent’s plan, Aetna offers comprehensive healthcare coverage for college students. The company offers convenient walk-in MinuteClinic locations and virtual visits. The plans are competitively priced, especially for younger adults, and backed by strong financial ratings. It holds a respectable 3.4-star average rating from the NCQA and an A (Excellent) financial strength grade from AM Best.

Plan and Coverage Options

Aetna provides two main types of plans:

  • HMO (Health Maintenance Organization): Ideal for those who don't mind staying within a network for their healthcare needs. Most HMO plans will require a referral if you wish to consult a specialist.
  • EPO (Exclusive Provider Organization): This plan allows more flexibility in choosing physicians, specialists, or hospitals within the network, and typically you won't need a referral to see a specialist.

Students Health Insurance Pricing

Aetna offers affordability, especially in its bronze and silver plans. On average, a 21-year-old would pay around $310 a month for a Bronze plan and $413 for a Silver plan. These rates can change based on factors like location, age, and pre-existing conditions.

Students Health Insurance Extras

Aetna enhances your healthcare experience with valuable extras to improve wellness and save you money.

  • Health Discounts: Get special discounts on wellness products and services to manage your health affordably.
  • Telemedicine Visits: Access doctors via phone or video, a convenient option for college students with packed schedules.
  • Behavioral Health Support: You can access resources and support to manage stress and mental health during college.
  • MinuteClinic® Access: Receive medical care seven days a week, including evenings, often at low or no cost based on your plan.
  • Digital Tools: Use the Aetna HealthSM app and other digital resources for simplified healthcare management.
Note: Feature availability may vary based on your specific plan.

See if you qualify for health insurance savings today. Get started online now.

Health Insurance with Best Dental Coverage

Choosing the right dental health insurance can be a top priority, given its significance for your overall well-being. With a robust network of over 120,000 dentists and PPO providers, Guardian Direct offers many choices to suit your dental care needs.

Dental Plan Options

Guardian Direct offers a choice of four dental plans, each with its own set of benefits:

  • Diamond Plan: This top-of-the-line plan has an annual maximum payout of $1,500 and offers 80% coverage for basic services. Special dental needs like implants and orthodontics are covered, albeit with a 12-month waiting period.
  • Achiever Plan: The second-tier plan offers a maximum that increases yearly from $1,000 to $1,500. Preventive care is free, while other services like basic and major dental work are also covered.
  • Core Plan: Great for those on a budget, this plan's annual maximum payout increases from $500 to $1,000 over three years. Basic services are covered at 50%.
  • Starter Plan: This plan is ideal for those who want to focus on preventive care, offering an annual maximum of $500 to $1,000.

Dental Coverage Pricing

Choosing the right dental plan is about the services offered and how well it fits into your budget. Guardian Direct understands this dynamic, offering plans aligning with quality coverage and affordability. Below is a detailed table that outlines the cost structure of various plans based on a benchmark case of a 30-year-old female in California.

Plan Type Monthly Premium Preventative Care Reimbursement Basic Care Reimbursement Major Care Reimbursement
Diamond Plan $58 100% 80% 50%
Achiever Plan $47 100% 70% 50%
Core Plan $32 80% 50% 50%
Starter Plan $24 100% 50% Not Covered

Best Health Insurance for Seniors

Navigating health insurance for seniors may be complex for some. However, there are several healthcare options, from low and no-cost federal plans to affordable private insurance coverage.

Medicare is a health insurance program you've contributed to throughout your working life via a Medicare tax on income. It comprises several parts, including options from private insurance companies and a public option. If you're 65 or older or have a qualifying disability, Medicare can offer the most cost-effective solution.

Plan and Coverage Options

Medicare allows you two primary pathways to enrollment, each suited to distinct needs:

  • Medicare Advantage (Medicare Part C): Medicare Advantage is a health insurance plan provided by a private insurance company. It offers bundled medical and hospital care coverage and typically includes prescription drugs and dental and vision benefits. Much like traditional health insurance plans, Medicare Advantage requires you to use in-network doctors or hospitals for the most affordable rates. These plans also come with copayments, a deductible, and an out-of-pocket maximum.
  • Original Medicare: This pathway combines Part A (hospital insurance) and Part B (medical insurance), directly administered by the government. Enrollees in these plans have coverage at 99% of doctors and hospitals in the U.S. Additionally, you can supplement your Original Medicare coverage with add-ons from private health insurance companies. Medicare Supplement plans (Medigap) can reduce your medical costs from 20% of the bill to nearly $0. Medicare Part D plans are another add-on option, providing prescription drug coverage, the only way to obtain prescription benefits with Original Medicare.

While Medicare is the most recognized insurance provider for those over 65, younger individuals may also be eligible if they have a qualifying diagnosis.

Although Medicare provides robust hospital and health insurance, it does not cover all out-of-pocket costs. Thus, supplemental plans are available to cover prescription drug costs, co-pays, and deductibles.

Standard Monthly Premiums for Various Medicare Plans

Medicare is a more affordable healthcare option for seniors looking for basic coverage. Here is a breakdown of estimated Medicare costs:

  • Medicare Part A: Generally, there's no monthly cost if you've worked for over ten years. However, an annual deductible of $1,600 exists.
  • Medicare Part B: You can expect a standard monthly premium of $164.90 and a yearly deductible of $226.
  • Medicare Part C: Also known as Medicare Advantage, the average monthly cost is $28. Deductibles can vary.
  • Medicare Part D: It averages $49 per month with a typical drug deductible of $390.
  • Medicare Supplement: Also called Medigap, this plan costs an average of $155 per month.

If your golden years look more bronze because of a tight budget, Medicaid may be your best option. A public health insurance program, Medicaid offers free or low-cost insurance for qualified seniors, making it the most budget-friendly choice.

Even if you're already enrolled in Medicare, Medicaid allows for dual enrollment, which can significantly reduce your out-of-pocket expenses. Eligibility criteria do differ among states. Generally, if your income is less than $18,754 for an individual or $25,268 for a couple, you're likely to qualify.

For seniors who exceed the income eligibility but face high medical expenses, the Medicaid "spenddown" program may offer a pathway to qualification. This provision allows you to deduct medical expenses from your income, potentially making you eligible based on the reduced amount. Note that the types of medical expenses covered by the "spenddown" program can vary by state and may cover various costs, such as prescription medications, emergency room visits, and some forms of long-term care.

Humana's Medicare Advantage plan could be just what you're after if you're looking for all-encompassing health coverage for seniors. With a blend of affordability and quality and an average rating of four out of five stars on, Humana is a top choice for seniors.

Humana provides a range of Medicare Advantage plans designed to cater to various healthcare requirements. Whether managing chronic conditions, seeking preventive services, or requiring a wellness-focused plan, Humana has covered you.

One of the significant perks of selecting a Humana Medicare Advantage plan is the bundled prescription drug coverage. Instead of navigating multiple policies for healthcare and medication, Humana combines both into one comprehensive package. This eliminates the need to juggle various plans and payment options, streamlining your healthcare management.

Certain Humana plans also offer benefits for those seeking specialist care or additional services like vision and dental. It’s an incredibly convenient option for seniors who want to consolidate all their healthcare needs under one provider.

Humana features a range of $0 Medicare Advantage plans. However, it's important to remember that even with a $0 plan, you're still responsible for your Medicare Part B monthly premium.

In the arena of Medicare Supplement, or Medigap, policies, Humana tends to be on the pricier side. For instance, their Plan G policy costs an average of $11 more monthly than the national average.

As for prescription drug coverage, Humana's Part D plans come in three tiers, priced at $33, $38, and $82 per month. Depending on your plan, you might also have to meet a deductible, ranging from $200 to $505 for brand-name or specialty drugs.

Dive into our resources, broaden your understanding, and take charge of your health insurance journey today!

How Much is Health Insurance?

Health insurance costs can vary significantly, depending on the type of plan chosen, metal tier, personal medical history, and age. Health insurance is available in a variety of formats, from Bronze, Silver, and Gold plans on the ACA marketplace to Exclusive Provider Organization (EPO), Health Maintenance Organization (HMO), and Preferred Provider Organization (PPO) plans.

The average monthly cost for a Bronze plan on the ACA health insurance marketplace is $928, while the costs for Silver and Gold plans are $1,217 and $1,336, respectively. It is worth noting that deductibles, co-payments, coinsurance, monthly premiums, and out-of-pocket maximums can influence the cost of health insurance.

Alternatively, the cost can differ if you opt for a health insurance plan such as an EPO, HMO, or PPO. For instance, a 30-year-old can expect to pay an average of $436, $390, and $458 for EPO, HMO, and PPO plans, respectively.

Health Insurance Plans

The cost of health insurance plans varies by type and the individual's age. The following table breaks down the average monthly cost of different plans on the ACA marketplace and for EPO, HMO, and PPO plans:

Age/Plan Type ACA Marketplace EPO HMO PPO
Individual (21) $365 $380 $342 $404
Individual (27) $386 $405 $361 $423
Individual (30) $412 $436 $390 $458
Individual (40) $469 $490 $438 $516
Individual (50) $655 $685 $613 $721
Individual (60) $994 $1,037 $930 $1,095

Average Health Insurance Rates by Age

Aside from individuals, health insurance rates also vary for couples and families. These rates often increase with age and family size. Here are the average monthly costs for ACA marketplace plans:

Age Couple Couple + 1 Child Couple + 2 Children
21 $730 $1,007 $1,284
30 $834 $1,110 $1,387
40 $937 $1,214 $1,491
50 $1,311 $1,588 $1,864
60 $1,987 $1,184 (ACA) $1,217 (ACA)

Health Insurance Deductible

In health insurance, one term you'll often encounter is the deductible. This refers to the out-of-pocket amount you need to pay for certain healthcare services before your insurance begins to cover costs. Simply put, if you have a $1,000 deductible, you'll be responsible for the initial medical bills until they reach $1,000. After that, your insurance policy takes over, covering a portion or even all of your eligible healthcare expenses.

Interestingly, your deductible has a direct impact on your insurance premium. Higher deductibles often come with lower monthly premiums and vice versa. This happens because a higher deductible means you accept more initial financial responsibility, which can reduce monthly premiums.

How to Find Affordable Health Insurance that Will Work for You?

Discovering affordable health insurance that meets your unique needs is a step-by-step process. Here are some key points to guide you on this journey:

Evaluate Your Health Needs: Consider your current health status and any potential future requirements. Whether you need routine check-ups or preventive services or have a chronic condition to manage, your healthcare needs will significantly influence your

Budget Assessment: Understand what you can afford in terms of monthly premiums and out-of-pocket costs, such as deductibles, co-payments, and coinsurance. This insight helps steer you towards a plan that fits comfortably within your financial capacity and stays within your coverage limits.

Market Research: Compare various health insurance plans from providers. Look at factors like coverage options, cost, and their network of healthcare providers. Remember the balance between premiums and out-of-pocket costs: lower premiums often come with

Seek Professional Advice: If you find the options overwhelming, don't hesitate to consult healthcare professionals or insurance advisors. They can provide expert insights and guide you toward a suitable plan that offers adequate coverage without breaking the bank.

With the right information at your fingertips, you're well on your way to securing an affordable health insurance plan that aligns with your healthcare needs and financial situation. The ultimate goal is to attain peace of mind and confidence in your coverage for the healthcare services you need.

Make the smart move – see if you qualify for health insurance savings.

Need Health Insurance?
Decide Smartly.