At Fast Health Quotes, we assist with buying the best affordable health insurance online with ease. All you have to do is answer a few questions, pick your plan from one of our live agents, and sign up to get next-day coverage.
Best Health Insurance Companies 2020
Aetna plans are available in 37 states and are the largest provider of employer-based health insurance. They hold the highest rating for consumer satisfaction, and all insurance plans are more affordable than its competitors.
Alternatively, Humana offers a broad range of plans for individuals with chronic conditions and provide coverage for transitions from a hospital to home care, meal delivery, etc. Humana holds the highest rating in offering excellent access to primary and specialty care for its policyholders. If you are looking for the best health insurance plan with the lowest HMO, Kaiser Permanente may be your best bet.
Difference between bronze, silver, and gold health insurance plans
If you do not receive medical coverage through your employer or the federal government, you can buy a marketplace policy. Here are the different types of health insurance plans available:
- Bronze - It is a tier of health insurance policies with the lowest rates but high out-of-pocket expenses. While these policies come with the lowest premiums, you may have to pay higher deductibles and out-of-pocket maximums, making it the least suitable option for those expecting a large-sized medical expense in the forthcoming year.
- Silver - The silver insurance policies come with reasonable premiums, deductibles, and modest out of pocket maximums. Silver plans are the most viable option for low-income households due to their cost-sharing reductions. Silver insurance plan holders are also eligible to receive reductions on the premiums, deductibles, and out-of-pocket maximums they pay.
- Gold - Gold health insurance plans come with high premium rates but the lowest out-of-pocket expenses. As one of the most expensive insurances in the marketplace, gold plans offer the most affordable deductibles and out-of-pocket maximums. If you expect high medical expenses in the forthcoming year, getting a Gold health insurance policy can help you save money
Alternatively, you can also buy a platinum plan from the marketplace, which has a $0 deductible. However, these are not available in all states and have the most expensive premiums.
How do I buy the best affordable health insurance?
If your income falls below 138% of the federal poverty level, the ideal option for you is to enroll in Medicaid. Medicaid is an easily affordable federally-funded health insurance program for individuals with a low-income. If you fail to qualify for Medicaid, you can buy a plan through the marketplace or outside of healthcare.gov. Remember that the cheapest plan doesn't always mean that it's the best coverage for you. Approach an intermediary third-party website to get instant quotes from different providers in your state and compare them with one another to find the best healthcare plan for you.
Call 855-249-4939 today to buy the best affordable health insurance. At Fast Health Quotes, we take the pain out of shopping and help you review the best individual and family health insurance plans at the click of a button. Reach us today for more information.
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