Whether you’re self-employed, in between jobs, or just looking for a cheaper alternative, this guide will help you find the top 5 affordable health insurance plans in the US.
We’ve broken down each one in simple terms to help you choose wisely. These plans combine low monthly premiums, decent out-of-pocket costs, and reliable networks of doctors and hospitals.
Let’s take a closer look at the most affordable health insurance options that are both popular and practical for everyday Americans.
1. Blue Cross Blue Shield (BCBS) – Blue Advantage Bronze Plan
Blue Cross Blue Shield is a trusted name in health insurance with a wide network of providers. Their Blue Advantage Bronze Plan is one of the most affordable choices in many states, especially for young adults and people who don’t visit the doctor very often.
The monthly premium is typically lower than other plans, making it great for those on a tight budget. While the deductible may be a bit higher, it still includes essential benefits like preventive care, prescriptions, and emergency services.
You can also get free annual check-ups and vaccines under this plan. It’s a good option if you’re healthy and just want protection in case something serious happens.
2. Kaiser Permanente – Bronze 60 HMO
Kaiser Permanente is known for its integrated care system. If you live in a region where Kaiser is available (like California, Oregon, or Washington), this plan offers excellent care at a budget-friendly price.
The Bronze 60 HMO plan is one of their cheapest offerings. It includes all ACA-mandated benefits like maternity care, mental health services, and prescription drugs. What makes this plan unique is that you’ll get coordinated care — meaning your doctors and specialists are all part of one system and work together to manage your health.
While it is an HMO (Health Maintenance Organization), and you’ll need referrals for specialists, it helps keep your overall costs low. Plus, Kaiser has a strong reputation for quality customer service.
3. Oscar Health – Bronze Saver Plan
Oscar Health is a newer company, but it has quickly grown due to its tech-savvy and user-friendly approach. The Bronze Saver Plan is designed for people who want a simple, digital-first experience with access to essential health services.
This plan typically offers low premiums, though the deductibles can be high. However, Oscar provides free 24/7 virtual doctor visits, making it perfect if you prefer quick, online consultations for common illnesses or questions.
Oscar is available in several states including Florida, Texas, New York, and California. They also offer easy-to-use apps to manage appointments, prescriptions, and bills. For someone who’s comfortable with online healthcare and wants to save money, this plan could be a perfect fit.
4. Ambetter – Essential Care 1 (Bronze)
Ambetter is one of the fastest-growing health insurance providers in the US, offering coverage through the Health Insurance Marketplace in many states. Their Essential Care 1 Bronze plan stands out for being one of the most affordable health plans available.
Even though it’s a bronze-level plan, it covers all major services including doctor visits, emergency care, and prescriptions. You also get access to telehealth services at no extra cost.
Ambetter also offers rewards programs where members can earn money toward healthcare expenses just for staying active or going for check-ups. It’s a solid option for those who want low monthly costs and some extra perks.
5. Cigna – Bronze 8700 Plan
Cigna is a big name in health insurance with a strong network across the US. Their Bronze 8700 Plan is tailored for those who want low monthly premiums and don’t mind higher deductibles.
This plan includes coverage for all essential benefits like preventive care, ER visits, and specialist services. It’s especially helpful for people who rarely go to the doctor but want financial protection for major health events.
Cigna also offers 24/7 access to nurses and virtual care services. If you’re healthy and only need coverage for emergencies or unexpected illness, this plan is budget-friendly and reliable.
Things to Keep in Mind Before Choosing a Plan
Choosing the right affordable health insurance plan isn’t just about picking the cheapest one. You should consider:
- How often you visit the doctor – If it’s often, a slightly higher premium with lower co-pays might save you more.
- Prescription needs – Make sure your medications are covered.
- Preferred doctors and hospitals – Check if they’re in-network.
- Emergency coverage – Always confirm how out-of-state emergencies are handled.
Also, don’t forget to check if you qualify for premium tax credits or subsidies on the HealthCare.gov marketplace. Many people are surprised to learn they can save hundreds of dollars a month depending on their income.
FAQs About Affordable Health Insurance in the US
1. What is the cheapest health insurance available right now?
The cheapest health insurance plans are usually bronze-level plans offered on the marketplace like Blue Cross Blue Shield Bronze, Ambetter Essential Care, and Kaiser’s Bronze 60 HMO. However, the cost can vary by state and income level. Many people qualify for subsidies which reduce monthly costs.
2. Are bronze plans good enough for most people?
Yes, bronze plans are good if you’re generally healthy and just need coverage for big medical events or emergencies. They usually have lower premiums but higher deductibles. If you need frequent care or take several medications, consider silver or gold plans.
3. Can I get health insurance even if I’m unemployed?
Yes. If you’re unemployed, you can apply for coverage through the Health Insurance Marketplace. Depending on your income, you may qualify for free or low-cost coverage through Medicaid or get subsidies to lower your monthly premium.
4. How do I apply for affordable health insurance?
You can apply online through HealthCare.gov or through your state’s own health insurance exchange. The site will walk you through the process and help you compare different plans in your area.
Final Thoughts
Finding the best affordable health insurance plan in the US isn’t always easy, but it is possible with a little research. The plans mentioned here from Blue Cross Blue Shield, Kaiser Permanente, Oscar Health, Ambetter, and Cigna are all solid options that offer good coverage without breaking the bank.
