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4 Affordable health insurance options in the USA

Affordable health insurance

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In the United States, there are several options for affordable health insurance. These options can provide individuals with the coverage they need without breaking the bank. It is important to explore these options and choose the one that best fits your needs and budget. You must take advantage of the variety of affordable health insurance options available to you. 

You must research and compare these options thoroughly to find the one that perfectly fits your requirements and budget. By doing so, you’ll have peace of mind knowing that you’ll receive the healthcare services you need without any financial strain. So, take the time to explore your options and select a plan that’s tailor-made for you.

How can one acquire reasonably-priced health insurance in the United States?

The most affordable health insurance in the USA is usually obtained through a work-based plan. The majority of Americans who have health insurance do so through their employer. If you don’t have access to a workplace health plan, you may be able to find affordable health insurance through the Affordable Care Act (ACA) marketplace, particularly if you qualify for subsidies. The ACA marketplace allows people to compare health insurance plans in their area.

Subsidies, which are provided to people with a household income of 400% of the federal poverty level or less and can help decrease what you pay for health insurance, are an important part of the marketplace.

Those with low incomes should investigate their Medicaid eligibility. This health insurance program for low-income people provides comprehensive coverage at little or no cost.

4 cheap health insurance plans in the USA

1. Bronze health insurance plan

The rates are cost-effective, and we provide free preventive care services. The amount you pay is determined by your total income.

If you’re seeking an affordable health plan and lack insurance from your employer, we suggest considering a Bronze plan. These plans come with minimal rates and provide essential health benefits such as prescription drugs, mental health services, and preventive care. Moreover, due to additional discounts available until 2025, approximately 80% of applicants can obtain a Bronze health insurance plan for just $10 per month after tax credits.

Visit Now – Bronze health insurance plan

2. Silver health insurance plan

This type of insurance may cost more than Bronze but offers improved medical benefits. The amount you pay is based on your income. Additionally, only this type is eligible for cost-sharing reductions, which can help lower the cost of medical care.

If you require moderate medical attention or desire improved coverage, upgrading to a Silver plan may be more economical. Although Silver plans come with a slightly higher monthly cost than Bronze plans, the enhanced benefits can result in savings on healthcare expenses.

Visit Now – Silver health insurance plan

3. Medicaid

Health insurance that is either free or low-cost is exclusively accessible to individuals with low incomes.

For individuals with low incomes, Medicaid is the most affordable option for health insurance. Eligibility criteria differ by state, but in several states, an individual can qualify if their income is below $18,754 or if it’s a family of four with an income less than $38,295.

Visit Now – Medicaid & CHIP coverage

4. Short-term health insurance

When opting for temporary coverage, it is important to note that cheaper policies may not fully cover essential medical services. Additionally, such policies typically have restrictions on who can be covered and for how long.

If you’re looking for affordable health coverage, a short-term health insurance plan could be a good option. These plans typically have rates ranging from $100 to $200 per month. However, they have minimal benefits, so they are best suited for situations where you need temporary coverage or immediate benefits.

Cheapest Bronze Health Insurance Plans-

Kaiser Permanente- You can get this top-rated health insurance for just $343 per month. However, please keep in mind that the network of doctors may be limited.

Aetna- The monthly cost is $376, and there is a possibility to receive rewards up to $75 yearly. However, there have been numerous complaints about the service.

Oscar- The monthly cost is $401. You can access virtual urgent care for free. Certain prescriptions are available for just $3.

The Bronze plan is a health insurance option that provides full medical benefits at the lowest price. For 2023, the average cost of a Bronze plan is $408 per month. These plans follow the guidelines of the Affordable Care Act (ACA) and are required to offer free preventive care in addition to other benefits-

  • Hospitalization
  • Maternity and newborn care
  • Mental health and substance abuse care
  • Prescription drugs
  • Outpatient services
  • Emergency services
  • Rehabilitative services
  • Laboratory services
  • Pediatric services

Most affordable Silver health insurance plans

  • Kaiser Permanente – The monthly fee amounts to $458 and covers wellness benefits. Additionally, there are affordable dental plans available.
  • Cigna – Get affordable generic prescriptions for just $468 per month. Plus, earn up to $325 in rewards annually.
  • Aetna – The monthly cost is $483. It is possible to earn up to $75 in rewards annually. However, there is a considerable number of complaints regarding this service. 

If you’re looking for an affordable health insurance plan with better benefits, a Silver-tier plan would be your best option. Although it may cost more than a Bronze plan, it’s definitely worth considering if you anticipate requiring moderate amounts of medical care. 

Cheapest short-term health insurance

  • UnitedHealthcare-  The monthly cost is $130 and this offer is only available in 25 states.
  • Pivot Health– The monthly cost is $152, which may include prescription coverage.
  • Everest– The monthly cost is $204, which includes $50 for visits to doctors and specialists.

If you’re looking for temporary coverage, short-term health insurance plans could be a more budget-friendly option compared to full-price health insurance plans available on the marketplace.


Health insurance in the USA depends on multiple factors such as whether you are a resident of America or a working guy from another nation or a pregnant lady and more. So, while choosing any health insurance plan, you must verify it to the fullest to get the best benefits of your investment. Stay healthy and enjoy your life!