8 Affordable Individual Health Insurance Providers

8 Affordable Individual Health Insurance Providers

As we grow and become more mature, we realize how important our health is and how easily we take it for granted. Diseases, accidents and unexpected illnesses can pop up anytime in life and you have to be prepared for the worst. This does not mean that you have to take a pessimistic outlook on life, but that you need to be ready in case you will undergo mild or serious health problems at one point or another in life. We all know how troubling hospital bills and prescription drugs can become, with sky high prices that always seem to exceed our income. We also know that health insurance can end up costing you a small fortune and that it is very hard to find a decent health insurance plan that you can manage to pay off without going in debt. We all dream of cheap health insurance that can cover us for at least basic problems, but do we really have access to it? If they do exist and if we do have access, how can we proceed? Here are a few of the best 8 affordable individual health insurance plans that you should consider looking into today.

1. Blue Cross Blue Shield

By far, one of the most well-known and affordable providers for affordable individual health insurance plans is Blue Cross Blue Shield. With its headquarters in the state of Illinois, Blue Cross Blue Shield and activates in no less than 36 states in America, included but not limited to California, Blue Cross Blue Shield of Michigan, Florida (under Florida Blue), Indiana (Anthem BlueCross and BlueShield), Regence Blue Cross Blue Shield of Oregon, New York, NY (Empire BlueCross BlueShield), NJ (Horizon Blue Cross Blue Shield of New Jersey), Blue Cross and Blue Shield of Alabama, Washington (Premera BlueCross), Regence BlueCross BlueShield of Utah, Wisconsin (Anthem BlueCross and BlueShield) and many others. You can get a quick insurance quotes on their official website and find out more information about plans for a low cost.

2. Cigna

Cigna is reputed for offering accessible individual health insurance coverage for health and dental purposes. Arizona, California, Colorado, Connecticut, Georgia, Maryland, Missouri, North Carolina, South Carolina, Tennessee and Texas are the states that Cigna covers for health insurance. If you are offered Cigna health insurance by your employer, they provide a complete list of products and services that they offer for their employees. Individuals can get a free quote by answering a few simple questions through an online form on their website.

3. UnitedHealthcare

As part of the largest health carrier in the United States of America, UnitedHealthcare aims to “improve the quality and effectiveness of health care for all Americans, enhance access to health benefits,  create products and services that make health care more affordable and use technology to make the health care system easier to navigate”. They truly focus upon making the decision for a certain individual health insurance plan a lot easier for you. Aside from offering a variety of free resources, tips and benefits of various plans, they also provide you with information about saving money on health insurance and choosing a plan that is right for your needs and budget.

4. Anthem

Anthem is actually part of BlueCross BlueShield and allows you to shop for insurance online. You can get a free quote on their website in an instant and benefit from advice for better understanding your plan and the costs it involves. You can find out more information about checkups, vision coverage, dental coverage, and even consult a doctor online at any hour. They provide health insurance plans for California, Colorado, Connecticut, Georgia, Indiana, Kentucky, Maine, Missouri, New Hampshire, Nevada, New York, Ohio, Virginia and Wisconsin.

5. Aetna

The philosophy of Aetna is based on integrity, excellence, inspiration, caring and offering you affordable individual health insurance coverage so you can be prepared. With a very down to earth approach, Aetna prides itself on offering low cost health insurance plans that are “easy to understand and easy to use”. Another great aspect of their services is that they offer special plans for key moments in life, like having a new born or finishing college. Their official website allow you to find the doctor you need, medication you require and decide which health plan you want to choose, among many features.

6. Celtic

If finding quality and affordable individual health insurance is your mission, than Celtic just might be the provider you have been looking for. Users benefit from an online learning center, customer support and a pharmacy finder for acquiring medication in your area. Their website is easy to use and very straight forward and you can enjoy personal assistance via telephone during working hours in the week from Celtic representatives.

7. Humana

Looking for a Medicare plan? Humana is the place to go. They offer advantage plans like Humana Gold Plus, HumanaChoice and Humana GoldChoice, so you can enjoy an individual health insurance plan that completely fulfills all of your needs. In addition to this, they provide customers with medical, dental and vision plans according to their budget and requirements. No matter if you have just graduated college or you are on the verge of retirement, Humana is prepared to help you with the entire process.

8. Medicaid

Last but not least, we have the ideal solution for those in sticky situations. If you are going through a very difficult moment in life, with health problems on top of being unemployed, having financial troubles and family issues, Medicaid might be the helping hand you have been searching for. It provides free or low cost individual health insurance for those in need, in all United States areas.  Defined by The Health Insurance Association of America as a “government insurance program for persons of all ages whose income and resources are insufficient to pay for health care”, Medicaid is the optimum choice if you cannot afford a health insurance plan at a normal provider. Visit their official website and see if you are eligible for this form of coverage.

Photo credits: Valleyhealthsystemlv.com, Middlegroundmusings.com, Ohp-care.com, NJ.com, Foxct.com, Businesswire.com, Celtic-net.com, Aspengoldins.com.

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