Other factors such as the type and scope of coverage also affect your health care costs. Not all plans within a state are available in all areas of the state or to all residents in that state. Kaiser and Blue Cross Blue Shield were among the best-rated insurance companies. Compare available health plans state to state. The Blues also garnered five stars in Massachusetts and Vermont state exchanges, and four stars in D.C. and Vermont (again, the number of plans was not available). For the first time, quality star ratings are now available for many of the 2020 health insurance plans sold through healthcare.gov. On the other hand, you may not qualify for Medicaid, but for a subsidy under the Affordable Care Act (ACA). Blue Cross Blue Shield plans, sold under many different “blue” names, had a number of four-star plans on the federal exchange: 24 in Florida; 25 in Michigan; 4 in Pennsylvania; and 4 in Virginia. Many 2020 health insurance plans sold on healthcare.gov now have star ratings that reflect member experience surveys, clinical measures, and plan administration. With Progressive Health by eHealth, you can compare plans and premiums in just a few clicks, giving you the power to find the right plan for you. Overall, about 80% of the plans in the federal marketplace earned three stars or more, with only 1% earning five stars. Affordable health care costs vary greatly depending on where you live, the type of plan you choose, or if you’re receiving coverage through an employer, the government, or on your own. ; Open enrollment for 2021 coverage is November 1 – December 15, 2020, although an extension has been issued in past years. It's possible for someone to buy health insurance directly from an insurance company at any time. While coverage and cost issues remain paramount when choosing a health insurance plan, the star ratings add an indication of the quality for the plans sold on the federal and state exchanges. MassHealth members may be able to get doctors visits, prescription drugs, hospital stays, and many other important services. Compare plans side by side, get health insurance quotes, apply online and find affordable health insurance today. We chose the best affordable health insurance companies after researching the available options and reviewing them before deciding on our top picks. Health insurance premiums are filed with and regulated by your state's Department of Insurance. The ones that we chose as our best affordable health insurance companies were chosen based on their coverage, costs, ratings, and availability. How Much Does Affordable Health Insurance Cost? Will you save on a 2021 Marketplace health plan? But local star ratings can be obtained by residents who enter their zip code. Kaiser Foundation Health Plan of Georgia, Inc. Louisiana Health Service & Indemnity Company, Blue Cross Blue Shield of Michigan Mutual Insurance Company, Kaiser Foundation Health Plan of Northwest. Less than one month remains for 2021 health coverage that starts Jan 1. Even if you don’t qualify for one of these, affordable health care is still worth it. Other tips for finding affordable health insurance include considering Medicaid, seeing if you qualify for subsidies, getting quotes directly from insurers, and using a short-term plan as a bridge. The penalty for not having coverage in 2018 & earlier, Small Business Health Insurance Tax Credit, Insurance for multiple locations & businesses, Additional resources for agents & brokers, Exploring coverage options for businesses, Learn more about individual coverage HRAs, How to get covered if you're a sole proprietor. The five-star scales are based on three elements: surveys of member experience, clinical measures such as preventive screenings, and plan administration (including customer service). Health Care Consumer Guides. See health coverage choices, ways to save today, how law affects you. There are different types of affordable health insurance options that work in various ways. This is especially true if you qualify for a subsidy that lowers your monthly charges. The best source of affordable coverage is often one of the plans available on the Health Insurance Marketplace through the Affordable Care Act. This option can be pretty comprehensive and is based partly on income. Other affordable health insurance options include choosing plans directly … For example, you may be eligible for Medicaid, a state-funded program that has its own coverage guidelines. eHealthInsurance offers thousands of health plans underwritten by more than 180 of the nation's health insurance companies, including Aetna and Blue Cross Blue Shield. Accessed Jan. 22, 2020, Investopedia requires writers to use primary sources to support their work.