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Affordable Health Insurance

Shopping for health insurance that you can afford has never been simpler. You can get coverage several ways, including through:

  • Your employer
  • An insurance agent
  • An insurance company 
  • The Health Insurance Marketplace
  • Government programs like Medicare or Medicaid 
 
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Help with Health Care Costs

There are a few options to help pay for health care costs, including:

  1. Premium tax credit — A credit that lowers your monthly premium. Find out with our premium tax credit estimator. 

  2. Cost-sharing assistance — This discount drops dollars you spend for your deductible, coinsurance and copays. 

Tips for More Affordable Health Insurance

Help reduce health care costs and save money by using the following easy tips:

  • Be healthy — Do your best to eat right, exercise and get regular health screenings. Encourage all family members to live a healthy lifestyle, too.

  • Choose the right plan — Our entire selection of health insurance plans bring you the same essential health benefits and delivers the same level of quality and care. The differences include how benefit costs are applied. Learn more. 

  • Know your plan — Every plan is different. Take time to learn how it works, which providers you can go to and which services are covered. Learn more.  

  • Prescriptions — If you have prescription drug coverage, know the details of your plan. In some cases, save money by going to certain pharmacies or by using mail order pharmacy services. Also, check to see if there's a generic version of your medicine.

  • Stay in-network — Health plans use a specific group of doctors, hospitals and other health care professionals called provider networks. Choose doctors in your network to avoid paying higher out-of-network costs.

  • Use member perks — Look for member discounts from gym memberships to vision services. Special incentives may be offered for quitting smoking, losing weight, exercising and more.