Your health is a big deal. Your money is a big deal. That’s why we composed this list of 15 cheap health insurance providers to get you the biggest bang for your buck.
But with so many cheap health insurance providers out there, which one is the best? Well, it’s a matter of perspective. Some companies have great customer service and others offer less expensive premiums, but then your monthly payments might be higher or they might not cover as much of the bill if you need to go to the doctor frequently.
When you’re looking for the cheapest health insurance providers out there, it helps to look through some options that offer both high quality and low monthly payments or you’ll just end up getting stuck in the same cycle of debt every month. We’ve done some research on some of the best health insurance companies that offer cheap health insurance premiums while still maintaining their quality, so read on to see if these are worth checking out:
Here is a list of 15 cheap health insurance companies out there:
Cheap Health Insurance Providers
1. First Health
This company is known for its stable, long-term customer base and offers various levels of coverage. Because it’s a large and stable insurance company, you can expect them to be around when you need them most. They offer supplemental insurance at cheap rates and provide access to many hospitals in case you get sick.
2. Keystone Health Plan West
This company has over 25 years of experience in the healthcare marketplace and they know what it takes to run a successful business. Their low monthly premiums are their best selling point, but if that’s not enough for you, they also have other benefits such as prescription drug coverage, fitness memberships, and dental insurance. It really is the whole package – top-notch health care for cheap.
3. Evercare
Have you ever heard of GEHA? They’re an affiliate of very well-known insurance companies like First Health and they specialize in supplemental coverage – but it’s cheap! If you’re looking for a little extra cash to pay for your prescriptions or doctor visits, then Evercare is the company you’ve been looking for. They’re dedicated to providing great health care at low rates and provide many services including:
- Prescription drugs (including travel medications)
- Dental insurance (for adults and children)
- Vision plans (in some states)
- Behavioral therapy
4. AARP
AARP is an organization that provides insurance for adults between the ages of 50 and 65. Even though they don’t have specific plans for young people, 40% of their business comes from policies purchased by younger customers. Although some people might think of them as being “too old” to need health insurance, it’s actually a very smart idea. Since older bodies are more fragile than younger ones (and certain diseases like heart disease and diabetes are common in later life), it only makes sense to get coverage when you’re still healthy enough to enjoy it.
This is one of the most popular on the list of cheap health insurance providers due to the value & price of their packages.
5. Kaiser Permanente
Although they’re not technically an insurance company, Kaiser Permanente is a great alternative to traditional health care providers. They don’t just cover your medical expenses – they also provide advice and support on how you can stay healthy in the future. There are over six million members nationwide so you know you’ll always have access to high-quality service.
6. Golden Rule Insurance
As one of the largest companies in the health insurance business, Golden Rule provides their clients with excellent plans that are easy to afford. They offer several types of coverage options at very low prices, and they’re licensed to provide services in all 50 states.
7. Aetna
Another well-known name in the health care industry, Aetna offers high-quality coverage at affordable rates. Their monthly fees are generally less than $100 (even for family plans) and many people don’t have co-pays or deductibles.
8. UHC (UnitedHealthcare)
UnitedHealthcare is a subsidiary of the mighty UnitedHealth Group and they value customer satisfaction – which shows through in their low rates! The company’s CEO has said that if another insurance provider comes along with better rates than his own employees, he’ll drop them entirely. It’s just one more reason why UHC clients love working with such an established company.
Another fan favorite is UHC because they offer some of the best options among all the other cheap health insurance providers.
9. Coventry Health Care
Coventry Health Care provides health insurance for small businesses and people seeking personal coverage. They’ve been around since 1991 and have expanded throughout the country to reach out to as many potential customers as possible. Since they’re constantly growing, you can rest assured that they will provide quality service for years to come – which is exactly what every client needs these days.
10. AARP Medicare Complete
Not everyone who turns 65 wants to retire completely nor are all of them healthy enough! For those people, AARP has a great insurance package that’s specifically designed with older people in mind. It includes low co-pays and monthly premiums as well as coverage for dental, eye care, prescriptions, and more.
11. Humana One
Humana’s most popular plan is called Humana One and it provides full coverage for hospitals, diseases, diseases, and prenatal care. Although there are other companies that offer similar benefits at lower prices, only Humana has the experience to back up its policies.
12. Blue Cross
Blue Cross was first founded in 1939 but they’ve come a long way since then – both in terms of size and service! The company now provides several different types of insurance packages at very reasonable rates – which gives them an advantage over many of their competitors who provide similar benefits.
Blue Cross is another top contender for cheap health insurance providers because it’s largely used by medical offices all around.
13. Aetna Better Health
Another subsidiary of the UnitedHealthcare family, Aetna Better Health provides affordable rates for people who are looking for low monthly premiums. The company also includes dental coverage in all of their plans – which is a great deal considering most insurance companies charge extra for that feature.
14. Celtic Insurance
Celtic Insurance prides itself on affordability and flexibility. For as little as $45 a month, you can get full coverage that includes prescriptions and office visits. Their plans aren’t as extensive as other companies but they do provide plenty of benefits to keep you healthy and happy.
15. Unison
As a subsidiary of RLI Insurance, Unison has the resources to offer its members access to over 15 million providers throughout the US! The company is also rated A+ by the Better Business Bureau so you know they’re more than worthy of your business. Their low rates and high amount of coverage make them one of the best insurance companies around – which is why three out of four customers would recommend their services to family or friends.
Conclusion On 15 Cheap Health Insurance Providers
Finding cheap health insurance providers isn’t an easy task these days. If you’re tired of paying ridiculously high amounts just to be covered then it’s time that you switch to a different insurance company, such as those listed above.
Until universal healthcare is here, a lot of people will have to pick by finding cheap health insurance providers that can save them some money.