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Private health insurance may offer more flexibility and additional coverage options, while government-funded plans may be more affordable for certain individuals. It&#8217;s essential to evaluate your options and choose the one that suits you best.</p>\n<p><br data-mce-bogus="1"></p>\n"},"name":" Is it better to go with a private health insurance company or a government-funded one?"},{"@type":"Question","acceptedAnswer":{"@type":"Answer","text":"<p>HMO (Health Maintenance Organization) plans typically require you to choose a primary care physician and get referrals to see specialists. PPO (Preferred Provider Organization) plans offer more flexibility in choosing healthcare providers, but usually at a higher cost.</p>\n<p>&nbsp;</p>\n"},"name":"What is the difference between HMO and PPO plans?\r\n\r\n"}]}</script><meta name="next-head-count" content="50"/><link as="font" crossorigin="anonymous" href="/next-assets/fonts/manrope-v15-latin/manrope-v15-latin-300.woff2" rel="preload" type="font/woff2"/><link as="font" crossorigin="anonymous" href="/next-assets/fonts/manrope-v15-latin/manrope-v15-latin-regular.woff2" rel="preload" type="font/woff2"/><link as="font" crossorigin="anonymous" href="/next-assets/fonts/manrope-v15-latin/manrope-v15-latin-500.woff2" rel="preload" type="font/woff2"/><link as="font" crossorigin="anonymous" href="/next-assets/fonts/manrope-v15-latin/manrope-v15-latin-600.woff2" rel="preload" type="font/woff2"/><link as="font" crossorigin="anonymous" href="/next-assets/fonts/manrope-v15-latin/manrope-v15-latin-700.woff2" rel="preload" 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var(--fa-bounce-land-scale-y, 0.95)) translateY(0); } 57% { -webkit-transform: scale(1, 1) translateY(var(--fa-bounce-rebound, -0.125em)); transform: scale(1, 1) translateY(var(--fa-bounce-rebound, -0.125em)); } 64% { -webkit-transform: scale(1, 1) translateY(0); transform: scale(1, 1) translateY(0); } 100% { -webkit-transform: scale(1, 1) translateY(0); transform: scale(1, 1) translateY(0); } } @keyframes fa-bounce { 0% { -webkit-transform: scale(1, 1) translateY(0); transform: scale(1, 1) translateY(0); } 10% { -webkit-transform: scale(var(--fa-bounce-start-scale-x, 1.1), var(--fa-bounce-start-scale-y, 0.9)) translateY(0); transform: scale(var(--fa-bounce-start-scale-x, 1.1), var(--fa-bounce-start-scale-y, 0.9)) translateY(0); } 30% { -webkit-transform: scale(var(--fa-bounce-jump-scale-x, 0.9), var(--fa-bounce-jump-scale-y, 1.1)) translateY(var(--fa-bounce-height, -0.5em)); transform: scale(var(--fa-bounce-jump-scale-x, 0.9), var(--fa-bounce-jump-scale-y, 1.1)) 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class="header-container mx-auto container max-w-7xl px-4 flex-col md:flex-row items-cetner"><div class="sc-fqpVkM kGrflJ breadcrumb-items-container"><div class="sc-cbDaos gXOpzD breadcrumbs-container money-app" role="navigation"><div class="sc-iVheDh MhXxJ breadcrumb"><a aria-label="Navigate to Insurance" href="/money/insurance">Insurance</a></div><span class="breadcrumb-separator">/</span><div class="sc-iVheDh MhXxJ breadcrumb"><span>Best Health Insurance</span></div></div></div></div><div class="header-container mx-auto container max-w-7xl px-4 flex-col items-start md:flex-row md:items-cetner"><div class="page-header-info"><h1>Best Health Insurance</h1><p class="affiliate-disclosure"></p><a class="learn-more-link" href="https://www.benzinga.com/money/advertiser-disclosure/">Read our Advertiser Disclosure.</a></div><div class="contributor-block-container"><div class="contributor-block"><div class="author"><a href="https://www.benzinga.com/money/author/sarah-h">Sarah Horvath</a></div><div class="author-description">Contributor, Benzinga</div><div class="date">July 2, 2024</div></div></div></div><div class="header-container mx-auto container max-w-7xl px-4 flex-col items-start md:flex-row md:items-cetner"></div></div><div class="sc-gexFsq fHwrkk"><div class="sc-hiTDLB jzsSFa"><div class="sc-ejCKsa cApKXp layout-content-container lg:px-0 mx-auto px-4 layout-container max-w-7xl"><div class="main-content-container layout-container mx-auto"><div class="layout-flex flex flex-col w-full items-start relative"><div class="layout-main flex flex-grow flex-col justify-between"><main class="money-page-main"><div class="sc-kkeDnB fMVMkI money-post-wrapper"><div class="sc-iCWdMM gKLnSm money-blocks-wrapper"><p class="block core-block">Protecting your health is one of the most important things in life. The best health insurance for your needs may vary depending on factors like your budget, where you live, the type of care you need and many additional factors. In anticipation of <a href="https://www.benzinga.com/money/when-is-open-enrollment-for-health-insurance/" data-lasso-id="131073">Open Enrollment</a>, let’s take a look at a few of the best health insurance providers offering plans. </p><h3 class="block core-block" id="quick-look-the-best-health-insurance">Quick Look: The Best Health Insurance</h3><ul class="block core-block"><li><strong>Best for Quick Health Insurance Quotes:</strong> <a href="https://www.benzinga.com/go/healthcare-com">Healthcare.com</a></li><li><strong>Best for Member Support:</strong> <a data-lasso-id="131074" href="https://www.benzinga.com/go/aetna-health-insurance">Aetna</a></li><li><strong>Best for Nationwide Coverage:</strong> <a href="https://www.benzinga.com/go/bluecross-blueshield" data-lasso-id="131075">BlueCross BlueShield</a></li><li><strong>Best for Access to Specialists:</strong> <a href="https://www.benzinga.com/go/kaiser-landing-page-ehealth" data-lasso-id="131076">Kaiser Permanente</a></li><li><strong>Best for Global Coverage:</strong> <a href="https://www.benzinga.com/go/cigna-health-insurance" data-lasso-id="131077">Cigna</a></li><li><strong>Best for No Waiting Period: </strong><a href="https://www.benzinga.com/go/sidecar-health" data-lasso-id="131078">Sidecar Health</a></li><li><strong>Best for Short-Term Plans: </strong><a href="https://www.benzinga.com/go/pivot-health" data-lasso-id="131079">Pivot Health</a></li><li><strong>Best for Same-Day Coverage:</strong> <a href="https://www.benzinga.com/go/unitedhealthcare-health-insurance" data-lasso-id="131080">UnitedHealthcare</a></li><li><strong>Best for PPO Plans: </strong><a href="https://www.benzinga.com/go/humana-health-insurance" data-lasso-id="131081">Humana</a></li></ul><div class="lazyload-wrapper "><div class="min-h-[300px] md:min-h-[186px] my-4"><div class="w-full min-h-[inherit]"><div class="w-full h-full min-h-[inherit] flex items-center justify-center mx-auto rounded-md border border-gray-300 p-4 shadow"><div class="flex flex-col md:flex-row animate-pulse w-full gap-4"><div class="icon-wrapper flex items-center justify-center mx-6"><svg aria-hidden="true" class="w-16 h-16 text-gray-400" fill="currentColor" viewBox="0 0 640 512" xmlns="http://www.w3.org/2000/svg"><path d="M480 80C480 35.82 515.8 0 560 0C604.2 0 640 35.82 640 80C640 124.2 604.2 160 560 160C515.8 160 480 124.2 480 80zM0 456.1C0 445.6 2.964 435.3 8.551 426.4L225.3 81.01C231.9 70.42 243.5 64 256 64C268.5 64 280.1 70.42 286.8 81.01L412.7 281.7L460.9 202.7C464.1 196.1 472.2 192 480 192C487.8 192 495 196.1 499.1 202.7L631.1 419.1C636.9 428.6 640 439.7 640 450.9C640 484.6 612.6 512 578.9 512H55.91C25.03 512 .0006 486.1 .0006 456.1L0 456.1z"></path></svg></div><div class="paragraphs-wrapper w-full"><div class="flex-1 space-y-6 py-1"><div class="h-3 rounded bg-gray-300"></div><div class="space-y-3"><div class="grid grid-cols-3 gap-4"><div class="col-span-2 h-2 rounded bg-gray-300"></div><div class="col-span-1 h-2 rounded bg-gray-300"></div></div><div class="h-2 rounded bg-gray-300"></div><div class="h-2 rounded bg-gray-300"></div><div class="h-2 rounded bg-gray-300"></div></div></div></div></div></div></div></div></div><div class="sc-kLHIap bclRmI bz3_border_box_container table"><div class="bz3_border_box_wrapper p-4 w-auto bg-white"><div class="bz3_table_content_title"><div class="font-semibold text-gray-900 text-left flex items-center justify-between"><div class="flex items-center justify-between gap-3"><div class="fa-list"><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 512 512" xmlns="http://www.w3.org/2000/svg"><path d="M64 64a32 32 0 1 0 0 64 32 32 0 1 0 0-64zm120 8c-13.3 0-24 10.7-24 24s10.7 24 24 24H488c13.3 0 24-10.7 24-24s-10.7-24-24-24H184zm0 160c-13.3 0-24 10.7-24 24s10.7 24 24 24H488c13.3 0 24-10.7 24-24s-10.7-24-24-24H184zm0 160c-13.3 0-24 10.7-24 24s10.7 24 24 24H488c13.3 0 24-10.7 24-24s-10.7-24-24-24H184zM96 256a32 32 0 1 0 -64 0 32 32 0 1 0 64 0zM64 384a32 32 0 1 0 0 64 32 32 0 1 0 0-64z" fill="currentColor"></path></svg></div>Table of Contents</div></div></div><div class="bz3_table_content_list"><ul class="bz3_table_content_ul list-disc text-blue-200 ml-4 mt-2"><li><a href="#9-best-health-insurance" title="9 Best Health Insurance">9 Best Health Insurance</a></li><li><a href="#open-enrollment-marketplace-coverage" title="Open Enrollment Marketplace Coverage">Open Enrollment Marketplace Coverage</a></li><li><a href="#how-to-pick-the-best-health-insurance-plan" title="How to Pick the Best Health Insurance Plan">How to Pick the Best Health Insurance Plan</a></li><li class="see-all">See All 9 Items</li></ul></div></div></div><h2 class="block core-block" id="9-best-health-insurance">9 Best Health Insurance</h2><p class="block core-block">The right health insurance plan protects you and gives you peace of mind. Prepare for Open Enrollment with our guide to the best health insurance plans with these provider reviews.</p><h3 class="block core-block" id="1-best-for-quick-health-insurance-quotes-healthcarecom">1. Best for Quick Health Insurance Quotes: Healthcare.com</h3><div class="sc-dCtYgc svaiy block compare-products"><div class="sc-fxPjmO deKGBR compare-products-table-container"><ul class="compare-products-list"><li><div class="list-items-container "><div class="list-items product-info"><div class="flex items-center flex-row"><div class="image-container mr-4"><a class="image-anchor-wrapper" data-label="Product Table Image" href="https://www.benzinga.com/go/healthcare-com" rel="noopener sponsored nofollow" target="_blank"><span style="background:none;border:0;box-sizing:border-box;display:inline-block;height:initial;margin:0;opacity:1;overflow:hidden;padding:0;width:initial;position:relative;max-width:100%"><span style="background:none;border:0;box-sizing:border-box;display:block;height:initial;margin:0;opacity:1;padding:0;width:initial;max-width:100%"><img alt="" aria-hidden="true" src="data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTAwIiBoZWlnaHQ9IjUwIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHZlcnNpb249IjEuMSIvPg==" style="background:none;border:0;display:block;height:initial;margin:0;max-width:100%;opacity:1;padding:0;width:initial"/></span><img alt="Healthcare.com" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" style="border:none;bottom:0;box-sizing:border-box;display:block;height:0;left:0;margin:auto;max-height:100%;max-width:100%;min-height:100%;min-width:100%;padding:0;position:absolute;right:0;top:0;width:0;object-fit:contain"/><noscript><img alt="Healthcare.com" src="https://cdnwp-s3.benzinga.com/wp-content/uploads/2019/04/26162213/healthcare.com-logo.svg?optimize=medium&dpr=2&auto=webp&width=256" srcSet="https://cdnwp-s3.benzinga.com/wp-content/uploads/2019/04/26162213/healthcare.com-logo.svg?optimize=medium&dpr=2&auto=webp&width=128 1x, https://cdnwp-s3.benzinga.com/wp-content/uploads/2019/04/26162213/healthcare.com-logo.svg?optimize=medium&dpr=2&auto=webp&width=256 2x" decoding="async" loading="lazy" style="border:none;bottom:0;box-sizing:border-box;display:block;height:0;left:0;margin:auto;max-height:100%;max-width:100%;min-height:100%;min-width:100%;padding:0;position:absolute;right:0;top:0;width:0;object-fit:contain"/></noscript></span></a></div><div class="has-thumbnail"></div></div><div class="flex items-center flex-row"><div class="sc-cgiuZH ezTMvz review-container"><div class="sc-loaeDx diFiSn rate-container rating-component readOnly"><div class="sc-fqLFto cXJjtT star active"><div style="overflow:hidden;position:absolute;width:0%"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 576 512" xmlns="http://www.w3.org/2000/svg"><path d="M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 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12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div></div><div class="sc-fqLFto cXJjtT star active"><div style="overflow:hidden;position:absolute;width:0%"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 576 512" xmlns="http://www.w3.org/2000/svg"><path d="M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div><div style="color:inherit"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 576 512" 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7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div><div style="color:inherit"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 576 512" xmlns="http://www.w3.org/2000/svg"><path d="M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div></div><div class="sc-fqLFto cXJjtT star active"><div style="overflow:hidden;position:absolute;width:0%"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 576 512" xmlns="http://www.w3.org/2000/svg"><path d="M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div><div style="color:#CEDDF2"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 576 512" xmlns="http://www.w3.org/2000/svg"><path d="M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div></div></div></div></div><div class="flex items-center flex-row product-cta-wrap"><div class="attribute-container flex items-center gap-1 flex-col items-end"><div class="sc-jURttq ivVRbd section-title"><span>Best For:</span></div><div class="attribute-value medium">Quick Health Insurance Quotes</div></div></div><div class="securely-mobile"><span class="securely">securely through Healthcare.com's website</span></div></div><div class="action-btn"><a class="cta-link-button" data-label="Product Table CTA" href="https://www.benzinga.com/go/healthcare-com" rel="noopener sponsored nofollow" target="_blank"><button class="sc-iCKXBC jdlker flat-blue md" type="button"><span><span>Get Started with Healthcare.com</span></span></button></a></div></div></li></ul></div></div><p class="block core-block"><a href="https://www.benzinga.com/go/healthcare-com">Healthcare.com</a> aggregates the best plans and information for anyone seeking health coverage. You can check out the ACA subsidy calendar, review Medicare options and look over traditional health plans. There’s also dental, vision, health, pet and even travel policies. There’s a pharmacy where you can save more money on your prescriptions, along with a whole host of information for you to browse as you seek out the best care and coverage. </p><div class="sc-fiqhMp gDpoPd wp-block-columns" style="background-color:unset"><div class="sc-geOtJm dNXDjG wp-block-column"><div class="sc-ksJPJK dRFQEA"> <p><strong>Pros</strong></p> </div><ul class="block core-block"><li>There are several healthcare options available</li><li>There are unique styles of insurance that you can also try</li><li>There’s a lot of information you can use to make informed decisions</li></ul></div><div class="sc-geOtJm dNXDjG wp-block-column"><div class="sc-ksJPJK dRFQEA"> <p><strong>Cons</strong></p> </div><ul class="block core-block"><li>The platform cannot guarantee the lowest rates or that specific carriers will work with you</li></ul></div></div><h3 class="block core-block" id="2-best-for-member-support-aetna">2. Best for Member Support: Aetna</h3><div class="sc-dCtYgc svaiy block compare-products"><div class="sc-fxPjmO deKGBR compare-products-table-container"><ul class="compare-products-list"><li><div class="list-items-container "><div class="list-items product-info"><div class="flex items-center flex-row"><div class="image-container mr-4"><a class="image-anchor-wrapper" data-label="Product Table Image" href="https://www.benzinga.com/go/aetna-health-insurance" rel="noopener sponsored nofollow" target="_blank"><span style="background:none;border:0;box-sizing:border-box;display:inline-block;height:initial;margin:0;opacity:1;overflow:hidden;padding:0;width:initial;position:relative;max-width:100%"><span style="background:none;border:0;box-sizing:border-box;display:block;height:initial;margin:0;opacity:1;padding:0;width:initial;max-width:100%"><img alt="" aria-hidden="true" src="data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTAwIiBoZWlnaHQ9IjUwIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHZlcnNpb249IjEuMSIvPg==" style="background:none;border:0;display:block;height:initial;margin:0;max-width:100%;opacity:1;padding:0;width:initial"/></span><img alt="Aetna Health Insurance" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" style="border:none;bottom:0;box-sizing:border-box;display:block;height:0;left:0;margin:auto;max-height:100%;max-width:100%;min-height:100%;min-width:100%;padding:0;position:absolute;right:0;top:0;width:0;object-fit:contain"/><noscript><img alt="Aetna Health Insurance" src="https://cdnwp-s3.benzinga.com/wp-content/uploads/2018/04/01192750/aetna-768x146.png?optimize=medium&dpr=2&auto=webp&width=256" srcSet="https://cdnwp-s3.benzinga.com/wp-content/uploads/2018/04/01192750/aetna-768x146.png?optimize=medium&dpr=2&auto=webp&width=128 1x, 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7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div><div style="color:inherit"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 576 512" xmlns="http://www.w3.org/2000/svg"><path d="M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div></div><div class="sc-fqLFto cXJjtT star active"><div style="overflow:hidden;position:absolute;width:0%"><div><svg aria-hidden="true" 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542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div></div><div class="sc-fqLFto cXJjtT star active"><div style="overflow:hidden;position:absolute;width:0%"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 576 512" xmlns="http://www.w3.org/2000/svg"><path d="M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div><div style="color:inherit"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 576 512" xmlns="http://www.w3.org/2000/svg"><path d="M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div></div><div class="sc-fqLFto cXJjtT star active"><div style="overflow:hidden;position:absolute;width:0%"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 576 512" xmlns="http://www.w3.org/2000/svg"><path d="M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div><div style="color:inherit"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 576 512" xmlns="http://www.w3.org/2000/svg"><path d="M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div></div><div class="sc-fqLFto cXJjtT star active"><div style="overflow:hidden;position:absolute;width:0%"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 576 512" xmlns="http://www.w3.org/2000/svg"><path d="M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div><div style="color:#CEDDF2"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 576 512" xmlns="http://www.w3.org/2000/svg"><path d="M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div></div></div><a class="read-review" href="https://www.benzinga.com/money/aetna-insurance-review">Aetna Inc Review</a></div></div><div class="flex items-center flex-row product-cta-wrap"><div class="attribute-container flex items-center gap-1 flex-col items-end"><div class="sc-jURttq ivVRbd section-title"><span>Best For:</span></div><div class="attribute-value medium">Member support</div></div></div><div class="flex items-end flex-col product-cta-wrap"><div class="section-title"><span>VIEW PROS & CONS:</span></div><div class="product-toggle-wrap"><div class="toggle-product-block flex items-center"><div class="icon-wrapper"><div style="color:#99AECC"><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 512 512" xmlns="http://www.w3.org/2000/svg"><path d="M233.4 406.6c12.5 12.5 32.8 12.5 45.3 0l192-192c12.5-12.5 12.5-32.8 0-45.3s-32.8-12.5-45.3 0L256 338.7 86.6 169.4c-12.5-12.5-32.8-12.5-45.3 0s-12.5 32.8 0 45.3l192 192z" fill="currentColor"></path></svg></div></div></div></div></div><div class="securely-mobile"></div></div><div class="action-btn"><a class="cta-link-button" data-label="Product Table CTA" href="https://www.benzinga.com/go/aetna-health-insurance" rel="noopener sponsored nofollow" target="_blank"><button class="sc-iCKXBC jdlker flat-blue md" type="button"><span><span>Get Started with Aetna Inc</span></span></button></a></div></div></li></ul></div></div><p class="block core-block"><a href="https://www.benzinga.com/go/aetna-health-insurance" data-lasso-id="131082">Aetna</a> offers tiered health insurance plans, and the company takes special care to streamline and improve on the patient portal model. Through your Aetna account, you can schedule appointments, find new doctors or specialists, print your medical ID card and more. </p><p class="block core-block">Aetna also offers a comprehensive app compatible with iPhone, Android and the Apple Watch to help you set and work toward your health and fitness goals. If you’re tech-savvy and need an online one stop shop for your healthcare needs, Aetna is an excellent choice.  </p><p class="block core-block">Aetna specializes in Medicare Advantage plans. If you qualify for Medicare, you may want to substitute Original Medicare for a Medicare Advantage plan. Medicare Advantage plans often include additional benefits beyond Original Medicare (like dental coverage and prescription drug coverage).  </p><p class="block core-block">Aetna offers a wide range of Medicare Advantage options that you can use to enjoy more convenient and comprehensive health insurance coverage. Many of Aetna’s plans include $0 deductibles and $0 monthly premiums for medical care, which lowers the costs that you’ll pay for coverage. These $0 deductibles even extend to coverage out of Aetna’s network—which means that if you have a specialist or primary care provider who you want to continue seeing, you’ll be able to use your full suite of Aetna benefits. </p><div class="sc-fiqhMp gDpoPd wp-block-columns" style="background-color:unset"><div class="sc-geOtJm dNXDjG wp-block-column"><div class="sc-ksJPJK dRFQEA"> <p><strong>Pros</strong></p> </div><ul class="block core-block"><li>Offers multiple mobile app offerings to reward you for reaching fitness goals</li><li>Dental discount plans may include coverage for prescription drugs</li><li>Medicare Advantage plans available with no monthly premiums</li></ul></div><div class="sc-geOtJm dNXDjG wp-block-column"><div class="sc-ksJPJK dRFQEA"> <p><strong>Cons</strong></p> </div><ul class="block core-block"><li>Vision insurance only available when purchased with a dental plan</li><li>ACA-compliant health insurance no longer available</li></ul></div></div><h3 class="block core-block" id="3-best-for-nationwide-coverage-blue-cross-blue-shield">3. Best for Nationwide Coverage: Blue Cross Blue Shield</h3><div class="sc-dCtYgc svaiy block compare-products"><div class="sc-fxPjmO deKGBR compare-products-table-container"><ul class="compare-products-list"><li><div class="list-items-container "><div class="list-items product-info"><div class="flex items-center flex-row"><div class="image-container mr-4"><a class="image-anchor-wrapper" data-label="Product Table Image" href="https://www.benzinga.com/go/bluecross-blueshield" rel="noopener sponsored nofollow" target="_blank"><span style="background:none;border:0;box-sizing:border-box;display:inline-block;height:initial;margin:0;opacity:1;overflow:hidden;padding:0;width:initial;position:relative;max-width:100%"><span style="background:none;border:0;box-sizing:border-box;display:block;height:initial;margin:0;opacity:1;padding:0;width:initial;max-width:100%"><img alt="" aria-hidden="true" src="data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTAwIiBoZWlnaHQ9IjUwIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHZlcnNpb249IjEuMSIvPg==" style="background:none;border:0;display:block;height:initial;margin:0;max-width:100%;opacity:1;padding:0;width:initial"/></span><img alt="Blue Cross Blue Shield Health Insurance" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" style="border:none;bottom:0;box-sizing:border-box;display:block;height:0;left:0;margin:auto;max-height:100%;max-width:100%;min-height:100%;min-width:100%;padding:0;position:absolute;right:0;top:0;width:0;object-fit:contain"/><noscript><img alt="Blue Cross Blue Shield Health Insurance" src="https://cdnwp-s3.benzinga.com/wp-content/uploads/2019/04/29175231/bluecrossblueshield-768x153.png?optimize=medium&dpr=2&auto=webp&width=256" srcSet="https://cdnwp-s3.benzinga.com/wp-content/uploads/2019/04/29175231/bluecrossblueshield-768x153.png?optimize=medium&dpr=2&auto=webp&width=128 1x, https://cdnwp-s3.benzinga.com/wp-content/uploads/2019/04/29175231/bluecrossblueshield-768x153.png?optimize=medium&dpr=2&auto=webp&width=256 2x" decoding="async" loading="lazy" style="border:none;bottom:0;box-sizing:border-box;display:block;height:0;left:0;margin:auto;max-height:100%;max-width:100%;min-height:100%;min-width:100%;padding:0;position:absolute;right:0;top:0;width:0;object-fit:contain"/></noscript></span></a></div><div class="has-thumbnail"></div></div><div class="flex items-center flex-row"><div class="sc-cgiuZH ezTMvz review-container"><div class="sc-loaeDx diFiSn rate-container rating-component readOnly"><div class="sc-fqLFto cXJjtT star active"><div style="overflow:hidden;position:absolute;width:0%"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" 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1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div></div><div class="sc-fqLFto cXJjtT star active"><div style="overflow:hidden;position:absolute;width:0%"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 576 512" xmlns="http://www.w3.org/2000/svg"><path d="M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div><div style="color:inherit"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 576 512" xmlns="http://www.w3.org/2000/svg"><path d="M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div></div><div class="sc-fqLFto cXJjtT star active"><div style="overflow:hidden;position:absolute;width:0%"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 576 512" xmlns="http://www.w3.org/2000/svg"><path d="M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div><div style="color:inherit"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 576 512" xmlns="http://www.w3.org/2000/svg"><path d="M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div></div><div class="sc-fqLFto cXJjtT star active"><div style="overflow:hidden;position:absolute;width:50%"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 576 512" xmlns="http://www.w3.org/2000/svg"><path d="M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div><div style="color:#CEDDF2"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 576 512" xmlns="http://www.w3.org/2000/svg"><path d="M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div></div></div><a class="read-review" href="https://www.benzinga.com/money/blue-cross-blue-shield-health-insurance-review">Blue Cross Blue Shield Review</a></div></div><div class="flex items-center flex-row product-cta-wrap"><div class="attribute-container flex items-center gap-1 flex-col items-end"><div class="sc-jURttq ivVRbd section-title"><span>Best For:</span></div><div class="attribute-value medium">Nationwide coverage </div></div></div><div class="flex items-end flex-col product-cta-wrap"><div class="section-title"><span>VIEW PROS & CONS:</span></div><div class="product-toggle-wrap"><div class="toggle-product-block flex items-center"><div class="icon-wrapper"><div style="color:#99AECC"><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 512 512" xmlns="http://www.w3.org/2000/svg"><path d="M233.4 406.6c12.5 12.5 32.8 12.5 45.3 0l192-192c12.5-12.5 12.5-32.8 0-45.3s-32.8-12.5-45.3 0L256 338.7 86.6 169.4c-12.5-12.5-32.8-12.5-45.3 0s-12.5 32.8 0 45.3l192 192z" fill="currentColor"></path></svg></div></div></div></div></div><div class="securely-mobile"><span class="securely">securely through Blue Cross Blue Shield Health Insurance's website</span></div></div><div class="action-btn"><a class="cta-link-button" data-label="Product Table CTA" href="https://www.benzinga.com/go/bluecross-blueshield" rel="noopener sponsored nofollow" target="_blank"><button class="sc-iCKXBC jdlker flat-blue md" type="button"><span><span>Get Started with Blue Cross Blue Shield</span></span></button></a></div></div></li></ul></div></div><p class="block core-block">Not every health insurance company is authorized to sell plans in every state. This can make it more difficult to compare plans, as insurance options will vary depending on your state. <a href="https://www.benzinga.com/go/bluecross-blueshield" data-lasso-id="131083">Blue Cross Blue Shield</a> is 1 of the only health insurance providers that can offer plans across the country.</p><p class="block core-block">Through a network of subsidiary companies, Blue Cross Blue Shield offers health insurance options in most parts of the country. Blue Cross Blue Shield issues ACA-compliant plans that include access to the 10 essential benefits, as well as online health management resources. Plan holders also have access to special discounts on wellness products and services. </p><div class="sc-fiqhMp gDpoPd wp-block-columns" style="background-color:unset"><div class="sc-geOtJm dNXDjG wp-block-column"><div class="sc-ksJPJK dRFQEA"> <p><strong>Pros</strong></p> </div><ul class="block core-block"><li>Available in all 50 states</li><li>Large provider network makes it easy to find care</li><li>Options for health maintenance organization (HMO), exclusive provider organization (EPO) or PPO plans</li></ul></div><div class="sc-geOtJm dNXDjG wp-block-column"><div class="sc-ksJPJK dRFQEA"> <p><strong>Cons</strong></p> </div><ul class="block core-block"><li>Company has an above-average complaint level for the industry</li><li>One of the more expensive monthly premiums</li></ul></div></div><h3 class="block core-block" id="4-best-for-access-to-specialists-kaiser-permanente">4. Best for Access to Specialists: Kaiser Permanente</h3><div class="sc-dCtYgc svaiy block compare-products"><div class="sc-fxPjmO deKGBR compare-products-table-container"><ul class="compare-products-list"><li><div class="list-items-container "><div class="list-items product-info"><div class="flex items-center flex-row"><div class="image-container mr-4"><a class="image-anchor-wrapper" data-label="Product Table Image" href="https://www.benzinga.com/go/kaiser-landing-page-ehealth" rel="noopener sponsored nofollow" target="_blank"><span style="background:none;border:0;box-sizing:border-box;display:inline-block;height:initial;margin:0;opacity:1;overflow:hidden;padding:0;width:initial;position:relative;max-width:100%"><span style="background:none;border:0;box-sizing:border-box;display:block;height:initial;margin:0;opacity:1;padding:0;width:initial;max-width:100%"><img alt="" aria-hidden="true" src="data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTAwIiBoZWlnaHQ9IjUwIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHZlcnNpb249IjEuMSIvPg==" style="background:none;border:0;display:block;height:initial;margin:0;max-width:100%;opacity:1;padding:0;width:initial"/></span><img alt="Kaiser Permanente Health Insurance" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" style="border:none;bottom:0;box-sizing:border-box;display:block;height:0;left:0;margin:auto;max-height:100%;max-width:100%;min-height:100%;min-width:100%;padding:0;position:absolute;right:0;top:0;width:0;object-fit:contain"/><noscript><img alt="Kaiser Permanente Health Insurance" src="https://cdnwp-s3.benzinga.com/wp-content/uploads/2022/02/25113045/Kaiser-Permanente.png?optimize=medium&dpr=2&auto=webp&width=256" srcSet="https://cdnwp-s3.benzinga.com/wp-content/uploads/2022/02/25113045/Kaiser-Permanente.png?optimize=medium&dpr=2&auto=webp&width=128 1x, https://cdnwp-s3.benzinga.com/wp-content/uploads/2022/02/25113045/Kaiser-Permanente.png?optimize=medium&dpr=2&auto=webp&width=256 2x" decoding="async" loading="lazy" style="border:none;bottom:0;box-sizing:border-box;display:block;height:0;left:0;margin:auto;max-height:100%;max-width:100%;min-height:100%;min-width:100%;padding:0;position:absolute;right:0;top:0;width:0;object-fit:contain"/></noscript></span></a></div><div class="has-thumbnail"></div></div><div class="flex items-center flex-row"><div class="sc-cgiuZH ezTMvz review-container"><div class="sc-loaeDx diFiSn rate-container rating-component readOnly"><div class="sc-fqLFto cXJjtT star active"><div style="overflow:hidden;position:absolute;width:0%"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 576 512" xmlns="http://www.w3.org/2000/svg"><path d="M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div><div style="color:inherit"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 576 512" xmlns="http://www.w3.org/2000/svg"><path d="M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div></div><div class="sc-fqLFto cXJjtT star active"><div style="overflow:hidden;position:absolute;width:0%"><div><svg 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href="https://www.benzinga.com/money/kaiser-permanente-insurance-review">Kaiser Permanente Review</a></div></div><div class="flex items-center flex-row product-cta-wrap"><div class="attribute-container flex items-center gap-1 flex-col items-end"><div class="sc-jURttq ivVRbd section-title"><span>Best For:</span></div><div class="attribute-value medium">Access to Kaiser medical specialists </div></div></div><div class="flex items-end flex-col product-cta-wrap"><div class="section-title"><span>VIEW PROS & CONS:</span></div><div class="product-toggle-wrap"><div class="toggle-product-block flex items-center"><div class="icon-wrapper"><div style="color:#99AECC"><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 512 512" xmlns="http://www.w3.org/2000/svg"><path d="M233.4 406.6c12.5 12.5 32.8 12.5 45.3 0l192-192c12.5-12.5 12.5-32.8 0-45.3s-32.8-12.5-45.3 0L256 338.7 86.6 169.4c-12.5-12.5-32.8-12.5-45.3 0s-12.5 32.8 0 45.3l192 192z" fill="currentColor"></path></svg></div></div></div></div></div><div class="securely-mobile"></div></div><div class="action-btn"><a class="cta-link-button" data-label="Product Table CTA" href="https://www.benzinga.com/go/kaiser-landing-page-ehealth" rel="noopener sponsored nofollow" target="_blank"><button class="sc-iCKXBC jdlker flat-blue md" type="button"><span><span>Get Started with Kaiser Permanente</span></span></button></a></div></div></li></ul></div></div><p class="block core-block"><a href="https://www.benzinga.com/go/kaiser-landing-page-ehealth" data-lasso-id="131084">Kaiser Permanente</a> operates as a health maintenance organization (HMO). This means that you’ll use your coverage within Kaiser Permanente’s network when you need to see a doctor or specialist. While this limits the areas where you can use your coverage, it helps you save money on your premiums.</p><p class="block core-block">Thanks to its network connections, Kaiser Permanente’s team can communicate with one another regarding your care and treatment plan. This can help limit interactions between medications and helps you get the referrals that you need quickly. You can enroll in an ACA-compliant plan and explore your options easily through the health insurance Marketplace or directly through Kaiser Permanente. </p><div class="sc-fiqhMp gDpoPd wp-block-columns" style="background-color:unset"><div class="sc-geOtJm dNXDjG wp-block-column"><div class="sc-ksJPJK dRFQEA"> <p><strong>Pros</strong></p> </div><ul class="block core-block"><li>Health plans available for all ages</li><li>Low member complaints when compared to the national average</li><li>The National Committee for Quality Assurance gives the company high ratings</li></ul></div><div class="sc-geOtJm dNXDjG wp-block-column"><div class="sc-ksJPJK dRFQEA"> <p><strong>Cons</strong></p> </div><ul class="block core-block"><li>Can only get coverage in eight states and Washington, D.C.</li><li>Many plan participants report that getting in to see specialists takes a long time</li><li>Health plan does not offer a PPO option</li></ul></div></div><h3 class="block core-block" id="5-best-for-global-coverage-cigna">5. Best for Global Coverage: Cigna</h3><div class="sc-dCtYgc svaiy block compare-products"><div class="sc-fxPjmO deKGBR compare-products-table-container"><ul class="compare-products-list"><li><div class="list-items-container "><div class="list-items product-info"><div class="flex items-center flex-row"><div class="image-container mr-4"><a class="image-anchor-wrapper" data-label="Product Table Image" href="https://www.benzinga.com/go/cigna-health-insurance" rel="noopener sponsored nofollow" target="_blank"><span style="background:none;border:0;box-sizing:border-box;display:inline-block;height:initial;margin:0;opacity:1;overflow:hidden;padding:0;width:initial;position:relative;max-width:100%"><span style="background:none;border:0;box-sizing:border-box;display:block;height:initial;margin:0;opacity:1;padding:0;width:initial;max-width:100%"><img alt="" aria-hidden="true" src="data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTAwIiBoZWlnaHQ9IjUwIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHZlcnNpb249IjEuMSIvPg==" style="background:none;border:0;display:block;height:initial;margin:0;max-width:100%;opacity:1;padding:0;width:initial"/></span><img alt="Cigna Health Insurance" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" style="border:none;bottom:0;box-sizing:border-box;display:block;height:0;left:0;margin:auto;max-height:100%;max-width:100%;min-height:100%;min-width:100%;padding:0;position:absolute;right:0;top:0;width:0;object-fit:contain"/><noscript><img alt="Cigna Health Insurance" src="https://cdnwp-s3.benzinga.com/wp-content/uploads/2019/04/29182502/Cigna_logo.svg_-768x824.png?optimize=medium&dpr=2&auto=webp&width=256" srcSet="https://cdnwp-s3.benzinga.com/wp-content/uploads/2019/04/29182502/Cigna_logo.svg_-768x824.png?optimize=medium&dpr=2&auto=webp&width=128 1x, 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7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div><div style="color:inherit"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 576 512" xmlns="http://www.w3.org/2000/svg"><path d="M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div></div><div class="sc-fqLFto cXJjtT star active"><div style="overflow:hidden;position:absolute;width:0%"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 576 512" xmlns="http://www.w3.org/2000/svg"><path d="M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div><div style="color:#CEDDF2"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 576 512" xmlns="http://www.w3.org/2000/svg"><path d="M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div></div></div><a class="read-review" href="https://www.benzinga.com/money/cigna-health-insurance-review">Cigna Review</a></div></div><div class="flex items-center flex-row product-cta-wrap"><div class="attribute-container flex items-center gap-1 flex-col items-end"><div class="sc-jURttq ivVRbd section-title"><span>Best For:</span></div><div class="attribute-value medium">Pharmacy programs</div></div></div><div class="flex items-end flex-col product-cta-wrap"><div class="section-title"><span>VIEW PROS & CONS:</span></div><div class="product-toggle-wrap"><div class="toggle-product-block flex items-center"><div class="icon-wrapper"><div style="color:#99AECC"><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 512 512" xmlns="http://www.w3.org/2000/svg"><path d="M233.4 406.6c12.5 12.5 32.8 12.5 45.3 0l192-192c12.5-12.5 12.5-32.8 0-45.3s-32.8-12.5-45.3 0L256 338.7 86.6 169.4c-12.5-12.5-32.8-12.5-45.3 0s-12.5 32.8 0 45.3l192 192z" fill="currentColor"></path></svg></div></div></div></div></div><div class="securely-mobile"></div></div><div class="action-btn"><a class="cta-link-button" data-label="Product Table CTA" href="https://www.benzinga.com/go/cigna-health-insurance" rel="noopener sponsored nofollow" target="_blank"><button class="sc-iCKXBC jdlker flat-blue md" type="button"><span><span>Get Started with Cigna</span></span></button></a></div></div></li></ul></div></div><p class="block core-block">Though ACA plan providers are required to offer coverage for the 10 essential health benefits, these benefits do not extend to all health services. For example, ACA plan providers are not required to offer coverage for dental health services or vision coverage for adults enrolled in coverage. This can mean that you’ll need to shop for different insurance plans with multiple providers to get a comprehensive set of coverages.</p><p class="block core-block"><strong>Cigna</strong> is a health insurance provider offering ACA-compliant individual plans in 10 states. In many areas, Cigna’s customers pay as little as $125 for coverage, and there are more than 30 plan options available in most states. Cigna also offers vision insurance and dental insurance options directly through its site, and you can sign onto all coverages with just a few clicks. </p><div class="sc-fiqhMp gDpoPd wp-block-columns" style="background-color:unset"><div class="sc-geOtJm dNXDjG wp-block-column"><div class="sc-ksJPJK dRFQEA"> <p><strong>Pros</strong></p> </div><ul class="block core-block"><li>Large provider network makes it easier to find care</li><li>Is one of the oldest and largest insurance companies in the nation</li><li>Offers dental add-on plans</li></ul></div><div class="sc-geOtJm dNXDjG wp-block-column"><div class="sc-ksJPJK dRFQEA"> <p><strong>Cons</strong></p> </div><ul class="block core-block"><li>Plan availability is limited to Arizona, California, Colorado, Connecticut, Florida, Georgia, Maryland, Montana, North Carolina, South Carolina, Tennessee and Texas</li></ul></div></div><h3 class="block core-block" id="6-best-for-no-waiting-period-sidecar-health">6. Best for No Waiting Period: Sidecar Health</h3><div class="sc-dCtYgc svaiy block compare-products"><div class="sc-fxPjmO deKGBR compare-products-table-container"><ul class="compare-products-list"><li><div class="list-items-container "><div class="list-items product-info"><div class="flex items-center flex-row"><div class="image-container mr-4"><a class="image-anchor-wrapper" data-label="Product Table Image" href="https://www.benzinga.com/go/sidecar-health" rel="noopener sponsored nofollow" target="_blank"><span style="background:none;border:0;box-sizing:border-box;display:inline-block;height:initial;margin:0;opacity:1;overflow:hidden;padding:0;width:initial;position:relative;max-width:100%"><span style="background:none;border:0;box-sizing:border-box;display:block;height:initial;margin:0;opacity:1;padding:0;width:initial;max-width:100%"><img alt="" aria-hidden="true" src="data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTAwIiBoZWlnaHQ9IjUwIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHZlcnNpb249IjEuMSIvPg==" style="background:none;border:0;display:block;height:initial;margin:0;max-width:100%;opacity:1;padding:0;width:initial"/></span><img alt="Sidecar Health Access Plan" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" style="border:none;bottom:0;box-sizing:border-box;display:block;height:0;left:0;margin:auto;max-height:100%;max-width:100%;min-height:100%;min-width:100%;padding:0;position:absolute;right:0;top:0;width:0;object-fit:contain"/><noscript><img alt="Sidecar Health Access Plan" src="https://cdnwp-s3.benzinga.com/wp-content/uploads/2021/06/09182415/sidecar-health.png?optimize=medium&dpr=2&auto=webp&width=256" srcSet="https://cdnwp-s3.benzinga.com/wp-content/uploads/2021/06/09182415/sidecar-health.png?optimize=medium&dpr=2&auto=webp&width=128 1x, https://cdnwp-s3.benzinga.com/wp-content/uploads/2021/06/09182415/sidecar-health.png?optimize=medium&dpr=2&auto=webp&width=256 2x" decoding="async" loading="lazy" style="border:none;bottom:0;box-sizing:border-box;display:block;height:0;left:0;margin:auto;max-height:100%;max-width:100%;min-height:100%;min-width:100%;padding:0;position:absolute;right:0;top:0;width:0;object-fit:contain"/></noscript></span></a></div><div class="has-thumbnail"></div></div><div class="flex items-center flex-row"><div class="sc-cgiuZH ezTMvz review-container"><div class="sc-loaeDx diFiSn rate-container rating-component readOnly"><div class="sc-fqLFto cXJjtT star active"><div style="overflow:hidden;position:absolute;width:0%"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 576 512" xmlns="http://www.w3.org/2000/svg"><path d="M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div><div style="color:inherit"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 576 512" xmlns="http://www.w3.org/2000/svg"><path d="M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div></div><div class="sc-fqLFto cXJjtT star active"><div style="overflow:hidden;position:absolute;width:0%"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 576 512" xmlns="http://www.w3.org/2000/svg"><path d="M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div><div style="color:inherit"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 576 512" xmlns="http://www.w3.org/2000/svg"><path d="M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div></div><div class="sc-fqLFto cXJjtT star active"><div style="overflow:hidden;position:absolute;width:0%"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 576 512" xmlns="http://www.w3.org/2000/svg"><path d="M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div><div style="color:inherit"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 576 512" xmlns="http://www.w3.org/2000/svg"><path d="M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div></div><div class="sc-fqLFto cXJjtT star active"><div style="overflow:hidden;position:absolute;width:0%"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 576 512" xmlns="http://www.w3.org/2000/svg"><path d="M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div><div style="color:inherit"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 576 512" xmlns="http://www.w3.org/2000/svg"><path d="M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div></div><div class="sc-fqLFto cXJjtT star active"><div style="overflow:hidden;position:absolute;width:50%"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 576 512" xmlns="http://www.w3.org/2000/svg"><path d="M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div><div style="color:#CEDDF2"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 576 512" xmlns="http://www.w3.org/2000/svg"><path d="M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div></div></div><a class="read-review" href="https://www.benzinga.com/money/sidecar-health-review">Sidecar Health Access Plan Review</a></div></div><div class="flex items-center flex-row product-cta-wrap"><div class="attribute-container flex items-center gap-1 flex-col items-end"><div class="sc-jURttq ivVRbd section-title"><span>Best For:</span></div><div class="attribute-value medium">No enrollment period health insurance</div></div></div><div class="flex items-end flex-col product-cta-wrap"><div class="section-title"><span>VIEW PROS & CONS:</span></div><div class="product-toggle-wrap"><div class="toggle-product-block flex items-center"><div class="icon-wrapper"><div style="color:#99AECC"><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 512 512" xmlns="http://www.w3.org/2000/svg"><path d="M233.4 406.6c12.5 12.5 32.8 12.5 45.3 0l192-192c12.5-12.5 12.5-32.8 0-45.3s-32.8-12.5-45.3 0L256 338.7 86.6 169.4c-12.5-12.5-32.8-12.5-45.3 0s-12.5 32.8 0 45.3l192 192z" fill="currentColor"></path></svg></div></div></div></div></div><div class="securely-mobile"><span class="securely">securely through Sidecar Health Access Plan's website</span></div></div><div class="action-btn"><a class="cta-link-button" data-label="Product Table CTA" href="https://www.benzinga.com/go/sidecar-health" rel="noopener sponsored nofollow" target="_blank"><button class="sc-iCKXBC jdlker flat-blue md" type="button"><span><span>Get Started with Sidecar Health Access Plan</span></span></button></a></div></div></li></ul></div></div><p class="block core-block">Though ACA-compliant plans provide a comprehensive range of benefits, you must sign up for coverage during the limited Open Enrollment period. If you’re outside of the Open Enrollment period and you’re looking for coverage, you might want to consider <a href="https://www.benzinga.com/go/sidecar-health" data-lasso-id="131085">Sidecar Health</a>.  Sidecar Health’s Access Plan has no enrollment period, which means that you can sign onto coverage any time.</p><p class="block core-block">Sidecar Health can be an excellent option for those who need quick, affordable coverage. The company’s streamlined process allows users to pay lower premiums, and $0 deductibles are standard. Sidecar Health also doesn’t utilize a network, which means that you don’t need to worry about finding care providers that have partnered with Sidecar Health. </p><div class="sc-fiqhMp gDpoPd wp-block-columns" style="background-color:unset"><div class="sc-geOtJm dNXDjG wp-block-column"><div class="sc-ksJPJK dRFQEA"> <p><strong>Pros</strong></p> </div><ul class="block core-block"><li>You can customize your plan</li><li>It may reduce healthcare costs by as much as 40%</li><li>It has a mobile app to access information on-the-go</li><li>No provider network, so you can see any doctor with no referrals needed</li><li>No enrollment period</li></ul></div><div class="sc-geOtJm dNXDjG wp-block-column"><div class="sc-ksJPJK dRFQEA"> <p><strong>Cons</strong></p> </div><ul class="block core-block"><li>Plans are not compliant with the Affordable Care Act (ACA)</li><li>Plans have an annual coverage limit</li></ul></div></div><h3 class="block core-block" id="7-best-for-short--term-plans-pivot-health">7. Best for Short-Term Plans: Pivot Health</h3><div class="sc-dCtYgc svaiy block compare-products"><div class="sc-fxPjmO deKGBR compare-products-table-container"><ul class="compare-products-list"><li><div class="list-items-container "><div class="list-items product-info"><div class="flex items-center flex-row"><div class="image-container mr-4"><a class="image-anchor-wrapper" data-label="Product Table Image" href="https://www.benzinga.com/go/pivot-health" rel="noopener sponsored nofollow" target="_blank"><span style="background:none;border:0;box-sizing:border-box;display:inline-block;height:initial;margin:0;opacity:1;overflow:hidden;padding:0;width:initial;position:relative;max-width:100%"><span style="background:none;border:0;box-sizing:border-box;display:block;height:initial;margin:0;opacity:1;padding:0;width:initial;max-width:100%"><img alt="" aria-hidden="true" src="data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTAwIiBoZWlnaHQ9IjUwIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHZlcnNpb249IjEuMSIvPg==" style="background:none;border:0;display:block;height:initial;margin:0;max-width:100%;opacity:1;padding:0;width:initial"/></span><img alt="Pivot Health" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" style="border:none;bottom:0;box-sizing:border-box;display:block;height:0;left:0;margin:auto;max-height:100%;max-width:100%;min-height:100%;min-width:100%;padding:0;position:absolute;right:0;top:0;width:0;object-fit:contain"/><noscript><img alt="Pivot Health" src="https://cdnwp-s3.benzinga.com/wp-content/uploads/2020/09/09120421/pivot.png?optimize=medium&dpr=2&auto=webp&width=256" srcSet="https://cdnwp-s3.benzinga.com/wp-content/uploads/2020/09/09120421/pivot.png?optimize=medium&dpr=2&auto=webp&width=128 1x, https://cdnwp-s3.benzinga.com/wp-content/uploads/2020/09/09120421/pivot.png?optimize=medium&dpr=2&auto=webp&width=256 2x" decoding="async" loading="lazy" style="border:none;bottom:0;box-sizing:border-box;display:block;height:0;left:0;margin:auto;max-height:100%;max-width:100%;min-height:100%;min-width:100%;padding:0;position:absolute;right:0;top:0;width:0;object-fit:contain"/></noscript></span></a></div><div class="has-thumbnail"></div></div><div class="flex items-center flex-row"><div class="sc-cgiuZH ezTMvz review-container"><div class="sc-loaeDx diFiSn rate-container rating-component readOnly"><div class="sc-fqLFto cXJjtT star active"><div style="overflow:hidden;position:absolute;width:0%"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 576 512" xmlns="http://www.w3.org/2000/svg"><path d="M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 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300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div><div style="color:#CEDDF2"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 576 512" xmlns="http://www.w3.org/2000/svg"><path d="M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div></div></div></div></div><div class="flex items-center flex-row product-cta-wrap"><div class="attribute-container flex items-center gap-1 flex-col items-end"><div class="sc-jURttq ivVRbd section-title"><span>Best For:</span></div><div class="attribute-value medium">Comparing short term health plans </div></div></div><div class="flex items-end flex-col product-cta-wrap"><div class="section-title"><span>VIEW PROS & CONS:</span></div><div class="product-toggle-wrap"><div class="toggle-product-block flex items-center"><div class="icon-wrapper"><div style="color:#99AECC"><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 512 512" xmlns="http://www.w3.org/2000/svg"><path d="M233.4 406.6c12.5 12.5 32.8 12.5 45.3 0l192-192c12.5-12.5 12.5-32.8 0-45.3s-32.8-12.5-45.3 0L256 338.7 86.6 169.4c-12.5-12.5-32.8-12.5-45.3 0s-12.5 32.8 0 45.3l192 192z" fill="currentColor"></path></svg></div></div></div></div></div><div class="securely-mobile"><span class="securely">securely through Pivot Health's website</span></div></div><div class="action-btn"><a class="cta-link-button" data-label="Product Table CTA" href="https://www.benzinga.com/go/pivot-health" rel="noopener sponsored nofollow" target="_blank"><button class="sc-iCKXBC jdlker flat-blue md" type="button"><span><span>Get Started with Pivot Health</span></span></button></a></div></div></li></ul></div></div><p class="block core-block">A short-term health insurance plan is another option that you can use to get coverage quickly outside of Open Enrollment. <a href="https://www.benzinga.com/go/pivot-health" data-lasso-id="131086">Pivot Health</a> is a short-term health insurance plan and supplemental coverage plan provider. With Pivot Health, you can sign onto temporary health insurance coverage in as little as a few minutes and compare your options quickly.</p><p class="block core-block">Pivot Health allows you to sign onto coverage for as little as 30 days or as long as 3 years depending on your state’s laws. Plan options are more affordable when compared to ACA-compliant plans, and there is no enrollment period for these plans. Designed for flexibility, your coverage can start the next day after approval.  </p><div class="sc-fiqhMp gDpoPd wp-block-columns" style="background-color:unset"><div class="sc-geOtJm dNXDjG wp-block-column"><div class="sc-ksJPJK dRFQEA"> <p><strong>Pros</strong></p> </div><ul class="block core-block"><li>Lifestyle benefits and discounts</li><li>Coverage periods as short as 30 days</li><li>Access to round-the-clock telehealth services</li></ul></div><div class="sc-geOtJm dNXDjG wp-block-column"><div class="sc-ksJPJK dRFQEA"> <p><strong>Cons</strong></p> </div><ul class="block core-block"><li>Coverage maximums might not cover your needs during your coverage period</li><li>No coverage for preexisting conditions</li><li>Emergency services require approval within 48 hours of receiving care</li></ul></div></div><h3 class="block core-block" id="8-best-for-same--day-coverage-united-healthcare">8. Best for Same-Day Coverage: UnitedHealthcare</h3><div class="sc-dCtYgc svaiy block compare-products"><div class="sc-fxPjmO deKGBR compare-products-table-container"><ul class="compare-products-list"><li><div class="list-items-container "><div class="list-items product-info"><div class="flex items-center flex-row"><div class="image-container mr-4"><a class="image-anchor-wrapper" data-label="Product Table Image" href="https://www.benzinga.com/go/unitedhealthcare-health-insurance" rel="noopener sponsored nofollow" target="_blank"><span style="background:none;border:0;box-sizing:border-box;display:inline-block;height:initial;margin:0;opacity:1;overflow:hidden;padding:0;width:initial;position:relative;max-width:100%"><span style="background:none;border:0;box-sizing:border-box;display:block;height:initial;margin:0;opacity:1;padding:0;width:initial;max-width:100%"><img alt="" aria-hidden="true" src="data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTAwIiBoZWlnaHQ9IjUwIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHZlcnNpb249IjEuMSIvPg==" style="background:none;border:0;display:block;height:initial;margin:0;max-width:100%;opacity:1;padding:0;width:initial"/></span><img alt="UnitedHealthCare Health Insurance" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" style="border:none;bottom:0;box-sizing:border-box;display:block;height:0;left:0;margin:auto;max-height:100%;max-width:100%;min-height:100%;min-width:100%;padding:0;position:absolute;right:0;top:0;width:0;object-fit:contain"/><noscript><img alt="UnitedHealthCare Health Insurance" src="https://cdnwp-s3.benzinga.com/wp-content/uploads/2019/04/24194011/header-logo.png?optimize=medium&dpr=2&auto=webp&width=256" srcSet="https://cdnwp-s3.benzinga.com/wp-content/uploads/2019/04/24194011/header-logo.png?optimize=medium&dpr=2&auto=webp&width=128 1x, 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542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div></div><div class="sc-fqLFto cXJjtT star active"><div style="overflow:hidden;position:absolute;width:0%"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 576 512" xmlns="http://www.w3.org/2000/svg"><path d="M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div><div style="color:inherit"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 576 512" 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7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div><div style="color:inherit"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 576 512" xmlns="http://www.w3.org/2000/svg"><path d="M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div></div><div class="sc-fqLFto cXJjtT star active"><div style="overflow:hidden;position:absolute;width:50%"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 576 512" xmlns="http://www.w3.org/2000/svg"><path d="M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div><div style="color:#CEDDF2"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 576 512" xmlns="http://www.w3.org/2000/svg"><path d="M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div></div></div><a class="read-review" href="https://www.benzinga.com/money/unitedhealthcare-health-insurance-review">UnitedHealthCare Review</a></div></div><div class="flex items-center flex-row product-cta-wrap"><div class="attribute-container flex items-center gap-1 flex-col items-end"><div class="sc-jURttq ivVRbd section-title"><span>Best For:</span></div><div class="attribute-value medium">Same day coverage available</div></div></div><div class="flex items-end flex-col product-cta-wrap"><div class="section-title"><span>VIEW PROS & CONS:</span></div><div class="product-toggle-wrap"><div class="toggle-product-block flex items-center"><div class="icon-wrapper"><div style="color:#99AECC"><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 512 512" xmlns="http://www.w3.org/2000/svg"><path d="M233.4 406.6c12.5 12.5 32.8 12.5 45.3 0l192-192c12.5-12.5 12.5-32.8 0-45.3s-32.8-12.5-45.3 0L256 338.7 86.6 169.4c-12.5-12.5-32.8-12.5-45.3 0s-12.5 32.8 0 45.3l192 192z" fill="currentColor"></path></svg></div></div></div></div></div><div class="securely-mobile"></div></div><div class="action-btn"><a class="cta-link-button" data-label="Product Table CTA" href="https://www.benzinga.com/go/unitedhealthcare-health-insurance" rel="noopener sponsored nofollow" target="_blank"><button class="sc-iCKXBC jdlker flat-blue md" type="button"><span><span>Get Started with UnitedHealthCare</span></span></button></a></div></div></li></ul></div></div><p class="block core-block">As one of the largest health insurance providers in the United States, <a href="https://www.benzinga.com/go/unitedhealthcare-health-insurance" data-lasso-id="131087">UnitedHealthcare</a> is available in nearly every ZIP code. </p><p class="block core-block">UnitedHealthcare offers a wide variety of insurance options from supplemental plans for<a href="https://www.benzinga.com/money/best-student-health-insurance/" data-lasso-id="131088"> students</a> to fully-compliant Affordable Care Act (ACA) plans for <a href="https://www.benzinga.com/money/best-individual-health-insurance/" data-lasso-id="131089">individuals</a> and families. UnitedHealthcare has a variety of metal tiers and varying plan options to help you balance your costs and coverage.</p><p class="block core-block">Prefer to handle your insurance online? UnitedHealthcare also provides one of the best online health portals with virtual consultations at no additional cost. You can also schedule doctor appointments, view your claims and manage your policy all from your MyUHC account.  </p><div class="sc-fiqhMp gDpoPd wp-block-columns" style="background-color:unset"><div class="sc-geOtJm dNXDjG wp-block-column"><div class="sc-ksJPJK dRFQEA"> <p><strong>Pros</strong></p> </div><ul class="block core-block"><li>Massive nationwide provider network</li><li>Optional supplemental add-ons to extend the coverage to what you need</li><li>Options for dental, vision, accident and critical illness coverage</li></ul></div><div class="sc-geOtJm dNXDjG wp-block-column"><div class="sc-ksJPJK dRFQEA"> <p><strong>Cons</strong></p> </div><ul class="block core-block"><li>Plans are more expensive</li><li>Fewer tiered options compared to other providers (no platinum option)</li><li>Only available in 22 states</li></ul></div></div><h3 class="block core-block" id="9-best-for-p-p-o-plans-humana">9. Best for PPO Plans: Humana</h3><div class="sc-dCtYgc svaiy block compare-products"><div class="sc-fxPjmO deKGBR compare-products-table-container"><ul class="compare-products-list"><li><div class="list-items-container "><div class="list-items product-info"><div class="flex items-center flex-row"><div class="image-container mr-4"><a class="image-anchor-wrapper" data-label="Product Table Image" href="https://www.benzinga.com/go/humana-health-insurance" rel="noopener sponsored nofollow" target="_blank"><span style="background:none;border:0;box-sizing:border-box;display:inline-block;height:initial;margin:0;opacity:1;overflow:hidden;padding:0;width:initial;position:relative;max-width:100%"><span style="background:none;border:0;box-sizing:border-box;display:block;height:initial;margin:0;opacity:1;padding:0;width:initial;max-width:100%"><img alt="" aria-hidden="true" src="data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTAwIiBoZWlnaHQ9IjUwIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHZlcnNpb249IjEuMSIvPg==" style="background:none;border:0;display:block;height:initial;margin:0;max-width:100%;opacity:1;padding:0;width:initial"/></span><img alt="Humana Health Insurance" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" style="border:none;bottom:0;box-sizing:border-box;display:block;height:0;left:0;margin:auto;max-height:100%;max-width:100%;min-height:100%;min-width:100%;padding:0;position:absolute;right:0;top:0;width:0;object-fit:contain"/><noscript><img alt="Humana Health Insurance" src="https://cdnwp-s3.benzinga.com/wp-content/uploads/2019/05/01185758/humana-logo-768x192.png?optimize=medium&dpr=2&auto=webp&width=256" srcSet="https://cdnwp-s3.benzinga.com/wp-content/uploads/2019/05/01185758/humana-logo-768x192.png?optimize=medium&dpr=2&auto=webp&width=128 1x, 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24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div><div style="color:inherit"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 576 512" xmlns="http://www.w3.org/2000/svg"><path d="M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div></div><div class="sc-fqLFto cXJjtT star active"><div style="overflow:hidden;position:absolute;width:0%"><div><svg 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12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div></div><div class="sc-fqLFto cXJjtT star active"><div style="overflow:hidden;position:absolute;width:0%"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 576 512" xmlns="http://www.w3.org/2000/svg"><path d="M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div><div style="color:inherit"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 576 512" xmlns="http://www.w3.org/2000/svg"><path d="M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div></div><div class="sc-fqLFto cXJjtT star active"><div style="overflow:hidden;position:absolute;width:0%"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 576 512" xmlns="http://www.w3.org/2000/svg"><path d="M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 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300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div><div style="color:#CEDDF2"><div><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 576 512" xmlns="http://www.w3.org/2000/svg"><path d="M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z" fill="currentColor"></path></svg></div></div></div></div><a class="read-review" href="https://www.benzinga.com/money/humana-health-insurance-review">Humana Review Review</a></div></div><div class="flex items-center flex-row product-cta-wrap"><div class="attribute-container flex items-center gap-1 flex-col items-end"><div class="sc-jURttq ivVRbd section-title"><span>Best For:</span></div><div class="attribute-value medium">PPO plans</div></div></div><div class="flex items-end flex-col product-cta-wrap"><div class="section-title"><span>VIEW PROS & CONS:</span></div><div class="product-toggle-wrap"><div class="toggle-product-block flex items-center"><div class="icon-wrapper"><div style="color:#99AECC"><svg aria-hidden="true" class="leading-none" stroke="currentColor" stroke-width="1" style="height:1em;width:1em" viewBox="0 0 512 512" xmlns="http://www.w3.org/2000/svg"><path d="M233.4 406.6c12.5 12.5 32.8 12.5 45.3 0l192-192c12.5-12.5 12.5-32.8 0-45.3s-32.8-12.5-45.3 0L256 338.7 86.6 169.4c-12.5-12.5-32.8-12.5-45.3 0s-12.5 32.8 0 45.3l192 192z" fill="currentColor"></path></svg></div></div></div></div></div><div class="securely-mobile"></div></div><div class="action-btn"><a class="cta-link-button" data-label="Product Table CTA" href="https://www.benzinga.com/go/humana-health-insurance" rel="noopener sponsored nofollow" target="_blank"><button class="sc-iCKXBC jdlker flat-blue md" type="button"><span><span>Get Started with Humana Review</span></span></button></a></div></div></li></ul></div></div><p class="block core-block">Are you a senior citizen? If so, you’ll typically have access to<a href="https://www.benzinga.com/money/best-free-health-insurance/" data-lasso-id="131090"> free</a> or low-cost Medicare issued through the federal government. You might also want to choose a Medicare Advantage plan from a<a href="https://www.benzinga.com/money/private-health-insurance/" data-lasso-id="131091"> private</a> company because Original Medicare doesn’t cover everything.</p><p class="block core-block"><a href="https://www.benzinga.com/go/humana-health-insurance" data-lasso-id="131092">Humana</a> specializes in offering exceptionally affordable Medicare Advantage plans intended to offer more coverage than Original Medicare. Many of Humana’s options offer $0 monthly premiums, and most plans also include $0 deductibles. You can even supplement your Medicare Advantage plan with a comprehensive prescription drug plan for as little as $13 per month. If you’re close to age 65 and think a Medicare Advantage plan might suit your needs, consider a plan from Humana. </p><div class="sc-fiqhMp gDpoPd wp-block-columns" style="background-color:unset"><div class="sc-geOtJm dNXDjG wp-block-column"><div class="sc-ksJPJK dRFQEA"> <p><strong>Pros</strong></p> </div><ul class="block core-block"><li>Partnerships with Walgreens and Walmart to bring you expanded prescription drug coverage</li><li>Rewards for healthy habits</li><li>Large provider network</li></ul></div><div class="sc-geOtJm dNXDjG wp-block-column"><div class="sc-ksJPJK dRFQEA"> <p><strong>Cons</strong></p> </div><ul class="block core-block"><li>HMO plans only available in 22 of 50 states</li><li>No short-term plans offered</li><li>Costlier plan required if you need international coverage</li></ul></div></div><h2 class="block core-block" id="open-enrollment-marketplace-coverage">Open Enrollment Marketplace Coverage</h2><p class="block core-block">You can enroll in a health insurance plan for the year during the Affordable Care Act (ACA) Open Enrollment period. For plans:</p><ul class="block core-block"><li>Open Enrollment begins on November 1.</li><li>You must enroll in a plan by December 15.</li><li>If you enroll in a plan by December 15, your coverage will begin on January 1.</li></ul><p class="block core-block">If you miss Open Enrollment, you may be able to sign up for an ACA-compliant plan if you qualify for a<a href="https://www.healthcare.gov/screener/#/" data-lasso-id="131093"> Special Enrollment Period</a>.  </p><h2 class="block core-block" id="how-to-pick-the-best-health-insurance-plan">How to Pick the Best Health Insurance Plan</h2><p class="block core-block">The best health insurance plan for you will vary depending on your individual health needs. The following are some of the factors that you might want to consider when you compare health insurance plan options.</p><h3 class="block core-block" id="premiums">Premiums</h3><p class="block core-block">The first cost-related factor that you’ll want to consider when you shop for health insurance plans is each plan’s premium. Your health insurance premium is a monthly payment that you’ll make to keep your insurance current. Be sure to choose a plan with a premium that you can afford each month.</p><h3 class="block core-block" id="deductible">Deductible</h3><p class="block core-block">Your health insurance plan’s deductible is the amount of money that you need to contribute toward your healthcare costs before your plan “kicks in” and starts paying for your care. Balance your deductible and your premium expenses to find a plan that fits your budget. You also need to know what goes towards your deductible and what does not. At times, certain items do not go towards your deductible at all and are still covered. Other items go exclusively towards your deductible. Understanding these differences will help you better understand which plan is right for you. Moreover, you may want to consider a HDHP or High Deductible Health Plan if you feel you will never meet the deductible. </p><h3 class="block core-block" id="benefits">Benefits</h3><p class="block core-block">During Open Enrollment, you have the opportunity to sign onto an ACA-compliant health insurance plan. Under the ACA, these plans must provide you with at least coverage for the<a href="https://www.healthcare.gov/glossary/essential-health-benefits/" data-lasso-id="131094"> 10 essential health benefits</a>. Keep in mind that short-term health insurance plan providers are not obligated to offer these benefits.</p><div class="sc-jUHRsf jenGAU bz3-stand-out-container"><span class="bz-fa-stand-out">BZ</span><h3 class="stand-out-title font-bold mb-1">Key Points</h3><div class="stand-out-content"><p>1. If you don’t have health insurance through your place of employment, you can sign up for a plan during the ACA Open Enrollment period.</p> <p>2. Open Enrollment begins on November 1. Coverage begins on January 1.</p> <p>3. If you miss Open Enrollment, you may want to consider filling in the gap with a short-term health insurance plan.</p> <p>4. Health insurance plan availability will vary by state, based on state laws and regulations. Remember, each state is different, and your state may be more expensive than others.</p> <p>5. Compare expenses like premiums, deductibles and out-of-pocket maximums when comparing plan choices.</p> <ul data-title="List" data-type="core/list" data-block="6be62a93-a036-4e99-81d4-1135d5cda776" aria-label="Block: List" aria-multiline="true" role="group" tabindex="0" class="block-editor-rich-text__editable block-editor-block-list__block wp-block is-selected rich-text" id="block-6be62a93-a036-4e99-81d4-1135d5cda776"></ul> </div></div><h2 class="block core-block" id="things-to-consider-in-your-health-insurance-search">Things to Consider in Your Health Insurance Search </h2><p class="block core-block">Additionally, here is what you should consider when comparing health insurance plans:</p><h3 class="block core-block" id="1-where-are-you-eligible-to-get-insurance-from">1. Where are You Eligible to Get Insurance From? </h3><p class="block core-block">Are you eligible for health insurance from your employer, through the American Affordable Care Act Marketplace or a private insurer? If all 3, which offers the best coverage at the best deal?</p><h3 class="block core-block" id="2-is-there-an-open-enrollment-period">2. Is There an Open Enrollment Period?</h3><p class="block core-block">Ask yourself if there is an o-pen enrollment period happening right now for either an employer or government sponsored plan. If not, do you need <a href="https://www.benzinga.com/money/best-short-term-health-insurance/" data-lasso-id="131095">short term health insurance</a>?</p><h3 class="block core-block" id="3-how-much-coverage-do-you-need-and-what-type-of-coverage-is-most-important">3. How Much Coverage Do You Need and What Type of Coverage is Most important? </h3><p class="block core-block">This is especially important to consider if you're in poor health now and will need robust insurance to cover medical expenses. This means comparing premiums, deductibles, coverage and annual maximums.</p><h3 class="block core-block" id="4-what-premium-price-are-you-comfortable-paying-each-month">4. What Premium Price are You Comfortable Paying Each Month? </h3><p class="block core-block">Your premium is your monthly bill for health insurance coverage.</p><h3 class="block core-block" id="5-what-deductible-level-are-you-comfortable-at">5. What Deductible Level are You Comfortable at? </h3><p class="block core-block">Your deductible is usually the out-of-pocket amount you're required to pay before your coverage kicks in. Plans with lower premiums often have higher deductibles, and vice versa.</p><h3 class="block core-block" id="6-do-you-need-a-high-annual-maximum">6. Do You Need a High Annual Maximum? </h3><p class="block core-block">This is especially important if you'll need a lot of help from your insurance company to cover medical expenses in the upcoming year. If a plan has a low annual cap on coverage, you may find yourself paying way more out-of-pocket than you can afford. </p><h3 class="block core-block" id="7-does-a-plan-cover-your-needs">7. Does a Plan Cover Your Needs? </h3><p class="block core-block">If you only need basic preventative or just-in-case-coverage, are you paying a low enough premium to justify coverage you don't use that much? How is the prescription drug coverage? What is the co-pay model? How is the emergency and surgical coverage if you anticipate needing these services?</p><h3 class="block core-block" id="8-do-you-have-provider-network-requirements">8. Do You Have Provider Network Requirements? </h3><p class="block core-block">Some providers only work with certain health insurance networks. If you have a doctor you want to keep, or a certain specialist you need to see, you'll want to look at if those providers work with an insurance plan before you sign up for it. Also, it's worth knowing if an insurance provider requires referrals for specialists before you choose a plan.</p><h2 class="block core-block" id="the-average-cost-of-health-insurance">The Average Cost of Health Insurance</h2><p class="block core-block">The price you’ll pay for health insurance will vary depending on your age. As you get older, your medical care costs typically increase and you’ll pay more for insurance. </p><p class="block core-block">The average monthly premium for health insurance for an individual falls into these average ranges:</p><div class="core-block-table-wrapper overflow-x-auto"> <figure class="wp-block-table"><table><tbody><tr><th><strong>Age</strong></th><th><strong>Monthly Premium</strong></th></tr><tr><td>Under 18</td><td>$382</td></tr><tr><td>18 to 24</td><td>$445</td></tr><tr><td>25 to 34</td><td>$511</td></tr><tr><td>35 to 44</td><td>$587</td></tr><tr><td>45 to 54</td><td>$805</td></tr><tr><td>55 to 64</td><td>$1,211</td></tr></tbody></table></figure> </div><h2 class="block core-block" id="what-does-health-insurance-typically-cover">What Does Health Insurance Typically Cover?</h2><p class="block core-block">Long-term health insurance plans are legally required to offer some form of coverage for the 10 essential benefits laid out by the ACA. No matter which ACA Marketplace plan you purchase, you’ll have coverage for at least the following:</p><ul class="block core-block"><li>Ambulatory patient services, including care that you receive without being admitted to the hospital</li><li>Emergency services at any hospital, regardless of whether the hospital is in your network </li><li>Hospitalization, including planned surgeries and overnight stays</li><li>Prescription drugs</li><li>Treatment for mental health and substance abuse disorders, including both inpatient and outpatient treatments and therapies</li><li>Pregnancy, maternity and newborn care, including breastfeeding support</li><li>Rehabilitative and habilitative services and treatments required to regain physical or cognitive abilities after you’re injured or to treat a chronic condition</li><li>Preventive and wellness services, including vaccinations and routine physicals</li><li>Lab work and blood tests</li><li>Pediatric services for <a href="https://www.benzinga.com/money/best-health-insurance-kids/" data-lasso-id="131096">kids</a> for all of the above-listed services, plus dental and vision services</li></ul><p class="block core-block">If you’re a female, your insurance provider also needs to cover all forms of birth control approved by the FDA. This includes barrier methods, hormonal methods and emergency contraceptives. Your insurance may not extend to birth control if you get your health insurance through an employer registered as a church or religious nonprofit.</p><p class="block core-block">These essential benefits only apply to long-term plans you purchase on the ACA Marketplace. If you buy a short term plan outside of the Marketplace, your insurance provider may pick and choose which services are covered. Almost every short term plan excludes coverage for prescription drugs and maternity care, and you can also be denied coverage for a preexisting condition. Before you enroll in a short term plan, be 100% sure you know what your plan covers.  </p><h2 class="block core-block" id="what-does-health-insurance-not-cover">What Does Health Insurance Not Cover?</h2><p class="block core-block">Even the best ACA health insurance plan won’t cover everything. Let’s take a look at some common exclusions you might see on your health insurance policy:</p><ul class="block core-block"><li><strong>Cosmetic surgery: </strong>No insurance plan will cover elective or nonessential surgery.</li><li><strong>Dental and vision services for adults:</strong> Under the ACA, your insurance provider only needs to cover dental and vision services for the children included in your plan. If you’d like to add these coverages for adults on your plan, you’ll typically be able to purchase an additional plan through your insurance company.</li><li><strong>Weight-loss surgery:</strong> There is currently no federal requirement that compels insurance companies to cover bariatric surgery, even if it’s deemed medically necessary. However, a number of states have introduced their own requirements.</li><li><strong>Non-routine vaccinations: </strong>Your insurance provider is only required to cover vaccinations and boosters considered routine by the CDC. If you need a nonroutine vaccine before travel (like yellow fever or hepatitis A vaccines), you’ll probably need to cover it out of pocket.</li><li><strong>Male birth control: </strong>The <a href="https://www.healthcare.gov/glossary/affordable-care-act/" data-lasso-id="131097">ACA</a>’s birth control requirement only extends to female contraceptives. Health insurance plans rarely cover male forms of birth control.</li></ul><p class="block core-block">If you buy a short term plan, your list of excluded services will be much longer. Read your policy’s terms before you buy to make sure you have the benefits you need. </p><h2 class="block core-block" id="protect-your-health-with-the-right-insurance">Protect Your Health with the Right Insurance</h2><p class="block core-block">Getting health insurance doesn’t need to be complicated or overly expensive. Begin by collecting a few quotes in your area customized with your date of birth and ZIP code. You might be surprised at just how affordable it is to find a plan for your family. </p><div class="lazyload-wrapper "><div class="min-h-[300px] md:min-h-[186px] my-4"><div class="w-full min-h-[inherit]"><div class="w-full h-full min-h-[inherit] flex items-center justify-center mx-auto rounded-md border border-gray-300 p-4 shadow"><div class="flex flex-col md:flex-row animate-pulse w-full gap-4"><div class="icon-wrapper flex items-center justify-center mx-6"><svg aria-hidden="true" class="w-16 h-16 text-gray-400" fill="currentColor" viewBox="0 0 640 512" xmlns="http://www.w3.org/2000/svg"><path d="M480 80C480 35.82 515.8 0 560 0C604.2 0 640 35.82 640 80C640 124.2 604.2 160 560 160C515.8 160 480 124.2 480 80zM0 456.1C0 445.6 2.964 435.3 8.551 426.4L225.3 81.01C231.9 70.42 243.5 64 256 64C268.5 64 280.1 70.42 286.8 81.01L412.7 281.7L460.9 202.7C464.1 196.1 472.2 192 480 192C487.8 192 495 196.1 499.1 202.7L631.1 419.1C636.9 428.6 640 439.7 640 450.9C640 484.6 612.6 512 578.9 512H55.91C25.03 512 .0006 486.1 .0006 456.1L0 456.1z"></path></svg></div><div class="paragraphs-wrapper w-full"><div class="flex-1 space-y-6 py-1"><div class="h-3 rounded bg-gray-300"></div><div class="space-y-3"><div class="grid grid-cols-3 gap-4"><div class="col-span-2 h-2 rounded bg-gray-300"></div><div class="col-span-1 h-2 rounded bg-gray-300"></div></div><div class="h-2 rounded bg-gray-300"></div><div class="h-2 rounded bg-gray-300"></div><div class="h-2 rounded bg-gray-300"></div></div></div></div></div></div></div></div></div><h2 class="block core-block" id="frequently-asked-questions">Frequently Asked Questions</h2><div class="sc-dTbyjA jJgKda block"><div class="sc-iAMrAa fdxlgh faq-container"><div class="sc-diFhln fjrouc faq-block"><div class="sc-kyeWiB jKJJnk qa-container"><div class="qa-header"><div class="qa-letter-icon">Q</div><h3 class="font-bold question">How much is health insurance a month for a single person? </h3></div><div class="qa-body"><div class="qa-letter-icon">A</div><div class="answer-container"><p>In 2024, the average monthly health insurance premium is $477 for an individual on an ACA-compliant plan without premium tax credits.</p> </div></div></div><div class="sc-kyeWiB jKJJnk qa-container"><div class="qa-header"><div class="qa-letter-icon">Q</div><h3 class="font-bold question"> Is it better to go with a private health insurance company or a government-funded one?</h3></div><div class="qa-body"><div class="qa-letter-icon">A</div><div class="answer-container"><p>Both private health insurance companies and government-funded health insurance programs have their own benefits. Private health insurance may offer more flexibility and additional coverage options, while government-funded plans may be more affordable for certain individuals. It’s essential to evaluate your options and choose the one that suits you best.</p> <p><br data-mce-bogus="1"></p> </div></div></div><div class="sc-kyeWiB jKJJnk qa-container"><div class="qa-header"><div class="qa-letter-icon">Q</div><h3 class="font-bold question">What is the difference between HMO and PPO plans? </h3></div><div class="qa-body"><div class="qa-letter-icon">A</div><div class="answer-container"><p>HMO (Health Maintenance Organization) plans typically require you to choose a primary care physician and get referrals to see specialists. PPO (Preferred Provider Organization) plans offer more flexibility in choosing healthcare providers, but usually at a higher cost.</p> <p> </p> </div></div></div></div></div></div><div class="sc-ezJUpc blbTpy poll-block"><div id="peoples-choice" class="sc-bEVzXo hyAfHt"><div class="sc-egTsrv sc-eKhKTo jmeNOh jWbSYZ users-choice"><div class="award-type">People's Choice</div><div class="award-title">Best Health Insurance Provider</div><div class="submit-vote-container"><button class="sc-iCKXBC jdlker primary md" type="button"><span>Select Your Choice</span></button></div></div></div></div></div></div><div class="money-blocks-layout-wrapper"><div class="sc-iCWdMM gKLnSm money-blocks-wrapper"><div class="sc-eKddDz btMqKZ mt-6 border rounded-md p-3"><div class="flex flex-nowrap gap-3"><div class="flex-col w-1/6"><a href="https://www.benzinga.com/money/author/sarah-h"><img alt="Sarah Horvath" class="rounded-full" height="96" src="https://secure.gravatar.com/avatar/9fcc314d33e458d1d57ef6972ca1e52f?s=96&d=mm&r=g" width="96"/></a></div><div class="flex-col w-5/6"><a href="https://www.benzinga.com/money/author/sarah-h"><h4>About Sarah Horvath</h4></a><div><p>Sarah is an expert in the insurance, investing for retirement and cryptocurrency space.</p> </div></div></div></div></div></div></main></div><div><div class="sc-ldgOGP bNzjwk layout-sidebar flex-none justify-between"><div class="lazyload-wrapper "><div class="lazyload-placeholder"></div></div></div></div></div></div></div><div class="lazyload-wrapper "><div class="lazyload-placeholder"></div></div></div></div><div></div><div></div></div><div class="footer"><div class="footer-top-section"><div class="benzinga-links-section"><div class="logo-and-socials-wrapper"><span class="sc-gopctv lasYKN benzinga-logo light presentation"><svg height="100%" role="img" viewBox="0 0 471.1 63.8" width="100%" xmlns="http://www.w3.org/2000/svg"><path d="M67.7 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Benzinga can help you pick the best medical health insurance for you.","dimensions":{"authorName":"Sarah Horvath","contentType":"evergreen"},"hrefLanguage":"en","image":"https://cdnwp-s3.benzinga.com/wp-content/uploads/2018/04/16040049/rawpixel-com-472352-unsplash-768x512.jpg?width=1200\u0026height=800\u0026fit=crop","ogImage":"https://cdnwp-s3.benzinga.com/wp-content/uploads/2018/04/16040049/rawpixel-com-472352-unsplash-768x512.jpg?width=1200\u0026height=800\u0026fit=crop","ogType":"article","robots":"","structuredData":{"pageType":"Article"},"title":"Best Health Insurance for 2024 • Benzinga","vertical":["Insurance","Health Insurance"]},"post":{"id":12559,"title":"Best Health Insurance","post_type":"post","robots":"","intro":"","slug":"best-health-insurance","template":"money","canonical_link":"https://www.benzinga.com/money/best-health-insurance","image":"https://cdnwp-s3.benzinga.com/wp-content/uploads/2018/04/16040049/rawpixel-com-472352-unsplash-768x512.jpg","taxonomies":[{"term_taxonomy_id":1,"term_id":1,"taxonomy":"category","description":"","parent":0,"count":7698,"term":{"term_id":1,"name":"Uncategorized","slug":"uncategorized"}},{"term_taxonomy_id":6,"term_id":6,"taxonomy":"page-type","description":"","parent":0,"count":1855,"term":{"term_id":6,"name":"Best","slug":"best"}},{"term_taxonomy_id":14,"term_id":14,"taxonomy":"verticals","description":"","parent":0,"count":3027,"term":{"term_id":14,"name":"Insurance","slug":"insurance"}},{"term_taxonomy_id":193,"term_id":193,"taxonomy":"verticals","description":"","parent":14,"count":328,"term":{"term_id":193,"name":"Health Insurance","slug":"health-insurance"}},{"term_taxonomy_id":393,"term_id":393,"taxonomy":"page-type","description":"","parent":0,"count":251,"term":{"term_id":393,"name":"Cornerstone","slug":"cornerstone"}},{"term_taxonomy_id":480,"term_id":480,"taxonomy":"author","description":"","parent":0,"count":497,"term":{"term_id":480,"name":"Sarah Horvath","slug":"sarah-h"}}],"parent":[],"meta":{"title":"Best Health Insurance for 2024 • Benzinga","description":"Health insurance is one of the most essential coverages people seek. Benzinga can help you pick the best medical health insurance for you.","image":"https://cdnwp-s3.benzinga.com/wp-content/uploads/2018/04/16040049/rawpixel-com-472352-unsplash-768x512.jpg","author":"Sarah Horvath","authorSlug":"sarah-h","postId":12559,"publishedDate":"2024-07-02T13:20:57.000000Z","modifiedDate":"2024-07-02T13:21:57.000000Z","verifiedUserSlug":null,"verifiedBy":null,"editedUserSlug":null,"editedBy":null,"hrefLanguage":"en"},"breadcrumbs":[{"id":14,"name":"Insurance","href":"/money/insurance"},{"id":12559,"href":"/money/best-health-insurance","name":"Best Health Insurance"}],"blocks":[{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eProtecting your health is one of the most important things in life. The best health insurance for your needs may vary depending on factors like your budget, where you live, the type of care you need and many additional factors. In anticipation of \u003ca href=\"https://www.benzinga.com/money/when-is-open-enrollment-for-health-insurance/\" data-lasso-id=\"131073\"\u003eOpen Enrollment\u003c/a\u003e, let’s take a look at a few of the best health insurance providers offering plans.\u0026nbsp;\u003c/p\u003e\n","html":"Protecting your health is one of the most important things in life. The best health insurance for your needs may vary depending on factors like your budget, where you live, the type of care you need and many additional factors. In anticipation of \u003ca href=\"https://www.benzinga.com/money/when-is-open-enrollment-for-health-insurance/\" data-lasso-id=\"131073\"\u003eOpen Enrollment\u003c/a\u003e, let’s take a look at a few of the best health insurance providers offering plans.\u0026nbsp;","tag":"p","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/heading","attrs":{"level":3,"data":[]},"innerBlocks":[],"innerHTML":"\n\u003ch3\u003eQuick Look: The Best Health Insurance\u003c/h3\u003e\n","tag":"h3","id":"quick-look-the-best-health-insurance","html":"Quick Look: The Best Health Insurance","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/list","attrs":{"data":[]},"innerBlocks":[{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003e\u003cstrong\u003eBest for Quick Health Insurance Quotes:\u003c/strong\u003e \u003ca href=\"https://www.benzinga.com/go/healthcare-com\"\u003eHealthcare.com\u003c/a\u003e\u003c/li\u003e\n","innerContent":["\n\u003cli\u003e\u003cstrong\u003eBest for Quick Health Insurance Quotes:\u003c/strong\u003e \u003ca href=\"https://www.benzinga.com/go/healthcare-com\"\u003eHealthcare.com\u003c/a\u003e\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003e\u003cstrong\u003eBest for Member Support:\u003c/strong\u003e \u003ca data-lasso-id=\"131074\" href=\"https://www.benzinga.com/go/aetna-health-insurance\"\u003eAetna\u003c/a\u003e\u003c/li\u003e\n","innerContent":["\n\u003cli\u003e\u003cstrong\u003eBest for Member Support:\u003c/strong\u003e \u003ca data-lasso-id=\"131074\" href=\"https://www.benzinga.com/go/aetna-health-insurance\"\u003eAetna\u003c/a\u003e\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003e\u003cstrong\u003eBest for Nationwide Coverage:\u003c/strong\u003e \u003ca href=\"https://www.benzinga.com/go/bluecross-blueshield\" data-lasso-id=\"131075\"\u003eBlueCross BlueShield\u003c/a\u003e\u003c/li\u003e\n","innerContent":["\n\u003cli\u003e\u003cstrong\u003eBest for Nationwide Coverage:\u003c/strong\u003e \u003ca href=\"https://www.benzinga.com/go/bluecross-blueshield\" data-lasso-id=\"131075\"\u003eBlueCross BlueShield\u003c/a\u003e\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003e\u003cstrong\u003eBest for Access to Specialists:\u003c/strong\u003e \u003ca href=\"https://www.benzinga.com/go/kaiser-landing-page-ehealth\" data-lasso-id=\"131076\"\u003eKaiser Permanente\u003c/a\u003e\u003c/li\u003e\n","innerContent":["\n\u003cli\u003e\u003cstrong\u003eBest for Access to Specialists:\u003c/strong\u003e \u003ca href=\"https://www.benzinga.com/go/kaiser-landing-page-ehealth\" data-lasso-id=\"131076\"\u003eKaiser Permanente\u003c/a\u003e\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003e\u003cstrong\u003eBest for Global Coverage:\u003c/strong\u003e \u003ca href=\"https://www.benzinga.com/go/cigna-health-insurance\" data-lasso-id=\"131077\"\u003eCigna\u003c/a\u003e\u003c/li\u003e\n","innerContent":["\n\u003cli\u003e\u003cstrong\u003eBest for Global Coverage:\u003c/strong\u003e \u003ca href=\"https://www.benzinga.com/go/cigna-health-insurance\" data-lasso-id=\"131077\"\u003eCigna\u003c/a\u003e\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003e\u003cstrong\u003eBest for No Waiting Period: \u003c/strong\u003e\u003ca href=\"https://www.benzinga.com/go/sidecar-health\" data-lasso-id=\"131078\"\u003eSidecar Health\u003c/a\u003e\u003c/li\u003e\n","innerContent":["\n\u003cli\u003e\u003cstrong\u003eBest for No Waiting Period: \u003c/strong\u003e\u003ca href=\"https://www.benzinga.com/go/sidecar-health\" data-lasso-id=\"131078\"\u003eSidecar Health\u003c/a\u003e\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003e\u003cstrong\u003eBest for Short-Term Plans: \u003c/strong\u003e\u003ca href=\"https://www.benzinga.com/go/pivot-health\" data-lasso-id=\"131079\"\u003ePivot Health\u003c/a\u003e\u003c/li\u003e\n","innerContent":["\n\u003cli\u003e\u003cstrong\u003eBest for Short-Term Plans: \u003c/strong\u003e\u003ca href=\"https://www.benzinga.com/go/pivot-health\" data-lasso-id=\"131079\"\u003ePivot Health\u003c/a\u003e\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003e\u003cstrong\u003eBest for Same-Day Coverage:\u003c/strong\u003e \u003ca href=\"https://www.benzinga.com/go/unitedhealthcare-health-insurance\" data-lasso-id=\"131080\"\u003eUnitedHealthcare\u003c/a\u003e\u003c/li\u003e\n","innerContent":["\n\u003cli\u003e\u003cstrong\u003eBest for Same-Day Coverage:\u003c/strong\u003e \u003ca href=\"https://www.benzinga.com/go/unitedhealthcare-health-insurance\" data-lasso-id=\"131080\"\u003eUnitedHealthcare\u003c/a\u003e\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003e\u003cstrong\u003eBest for PPO Plans: \u003c/strong\u003e\u003ca href=\"https://www.benzinga.com/go/humana-health-insurance\" data-lasso-id=\"131081\"\u003eHumana\u003c/a\u003e\u003c/li\u003e\n","innerContent":["\n\u003cli\u003e\u003cstrong\u003eBest for PPO Plans: \u003c/strong\u003e\u003ca href=\"https://www.benzinga.com/go/humana-health-insurance\" data-lasso-id=\"131081\"\u003eHumana\u003c/a\u003e\u003c/li\u003e\n"]}],"innerHTML":"\u003cul\u003e\u003cli\u003e\u003cstrong\u003eBest for Quick Health Insurance Quotes:\u003c/strong\u003e \u003ca href=\"https://www.benzinga.com/go/healthcare-com\"\u003eHealthcare.com\u003c/a\u003e\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eBest for Member Support:\u003c/strong\u003e \u003ca data-lasso-id=\"131074\" href=\"https://www.benzinga.com/go/aetna-health-insurance\"\u003eAetna\u003c/a\u003e\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eBest for Nationwide Coverage:\u003c/strong\u003e \u003ca href=\"https://www.benzinga.com/go/bluecross-blueshield\" data-lasso-id=\"131075\"\u003eBlueCross BlueShield\u003c/a\u003e\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eBest for Access to Specialists:\u003c/strong\u003e \u003ca href=\"https://www.benzinga.com/go/kaiser-landing-page-ehealth\" data-lasso-id=\"131076\"\u003eKaiser Permanente\u003c/a\u003e\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eBest for Global Coverage:\u003c/strong\u003e \u003ca href=\"https://www.benzinga.com/go/cigna-health-insurance\" data-lasso-id=\"131077\"\u003eCigna\u003c/a\u003e\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eBest for No Waiting Period: \u003c/strong\u003e\u003ca href=\"https://www.benzinga.com/go/sidecar-health\" data-lasso-id=\"131078\"\u003eSidecar Health\u003c/a\u003e\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eBest for Short-Term Plans: \u003c/strong\u003e\u003ca href=\"https://www.benzinga.com/go/pivot-health\" data-lasso-id=\"131079\"\u003ePivot Health\u003c/a\u003e\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eBest for Same-Day Coverage:\u003c/strong\u003e \u003ca href=\"https://www.benzinga.com/go/unitedhealthcare-health-insurance\" data-lasso-id=\"131080\"\u003eUnitedHealthcare\u003c/a\u003e\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eBest for PPO Plans: \u003c/strong\u003e\u003ca href=\"https://www.benzinga.com/go/humana-health-insurance\" data-lasso-id=\"131081\"\u003eHumana\u003c/a\u003e\u003c/li\u003e\u003c/ul\u003e","tag":"ul","html":"\u003cli\u003e\u003cstrong\u003eBest for Quick Health Insurance Quotes:\u003c/strong\u003e \u003ca href=\"https://www.benzinga.com/go/healthcare-com\"\u003eHealthcare.com\u003c/a\u003e\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eBest for Member Support:\u003c/strong\u003e \u003ca data-lasso-id=\"131074\" href=\"https://www.benzinga.com/go/aetna-health-insurance\"\u003eAetna\u003c/a\u003e\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eBest for Nationwide Coverage:\u003c/strong\u003e \u003ca href=\"https://www.benzinga.com/go/bluecross-blueshield\" data-lasso-id=\"131075\"\u003eBlueCross BlueShield\u003c/a\u003e\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eBest for Access to Specialists:\u003c/strong\u003e \u003ca href=\"https://www.benzinga.com/go/kaiser-landing-page-ehealth\" data-lasso-id=\"131076\"\u003eKaiser Permanente\u003c/a\u003e\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eBest for Global Coverage:\u003c/strong\u003e \u003ca href=\"https://www.benzinga.com/go/cigna-health-insurance\" data-lasso-id=\"131077\"\u003eCigna\u003c/a\u003e\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eBest for No Waiting Period: \u003c/strong\u003e\u003ca href=\"https://www.benzinga.com/go/sidecar-health\" data-lasso-id=\"131078\"\u003eSidecar Health\u003c/a\u003e\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eBest for Short-Term Plans: \u003c/strong\u003e\u003ca href=\"https://www.benzinga.com/go/pivot-health\" data-lasso-id=\"131079\"\u003ePivot Health\u003c/a\u003e\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eBest for Same-Day Coverage:\u003c/strong\u003e \u003ca href=\"https://www.benzinga.com/go/unitedhealthcare-health-insurance\" data-lasso-id=\"131080\"\u003eUnitedHealthcare\u003c/a\u003e\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eBest for PPO Plans: \u003c/strong\u003e\u003ca href=\"https://www.benzinga.com/go/humana-health-insurance\" data-lasso-id=\"131081\"\u003eHumana\u003c/a\u003e\u003c/li\u003e","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"acf/cta-placeholder","attrs":{"name":"acf/cta-placeholder","data":{"cta_placeholder_type":"primary","cta_data":null,"has_placements":true,"placeholder_type":"primary","widget":null},"align":"","mode":"edit"},"innerBlocks":[],"innerHTML":"","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"acf/table-of-contents","attrs":{"name":"acf/table-of-contents","data":{"label":"Table of Contents","headers":[{"id":"top-health-insurance-providers","level":"2","text":"9 Best Health Insurance","html":"9 Best Health Insurance"},{"id":"open-enrollment-for-2022-marketplace-coverage","level":"2","text":"Open Enrollment Marketplace Coverage","html":"Open Enrollment Marketplace Coverage"},{"id":"how-to-pick-the-best-health-insurance-plan","level":"2","text":"How to Pick the Best Health Insurance Plan","html":"How to Pick the Best Health Insurance Plan"},{"id":"things-to-consider-in-your-search","level":"2","text":"Things to Consider in Your Health Insurance Search","html":"Things to Consider in Your Health Insurance Search "},{"id":"the-average-cost-of-health-insurance","level":"2","text":"The Average Cost of Health Insurance","html":"The Average Cost of Health Insurance"},{"id":"what-does-health-insurance-typically-cover","level":"2","text":"What Does Health Insurance Typically Cover?","html":"What Does Health Insurance Typically Cover?"},{"id":"what-does-health-insurance-not-cover","level":"2","text":"What Does Health Insurance Not Cover?","html":"What Does Health Insurance Not Cover?"},{"id":"protect-your-health-with-the-right-insurance","level":"2","text":"Protect Your Health with the Right Insurance","html":"Protect Your Health with the Right Insurance"},{"id":"frequently-asked-questions","level":"2","text":"Frequently Asked Questions","html":"Frequently Asked Questions"}],"default_hide":true,"style":"default","include_tags":[2]},"align":"","mode":"preview"},"innerBlocks":[],"innerHTML":"","headers":[{"id":"9-best-health-insurance","level":"2","text":"9 Best Health Insurance","html":"9 Best Health Insurance"},{"id":"open-enrollment-marketplace-coverage","level":"2","text":"Open Enrollment Marketplace Coverage","html":"Open Enrollment Marketplace Coverage"},{"id":"how-to-pick-the-best-health-insurance-plan","level":"2","text":"How to Pick the Best Health Insurance Plan","html":"How to Pick the Best Health Insurance Plan"},{"id":"things-to-consider-in-your-health-insurance-search","level":"2","text":"Things to Consider in Your Health Insurance Search","html":"Things to Consider in Your Health Insurance Search "},{"id":"the-average-cost-of-health-insurance","level":"2","text":"The Average Cost of Health Insurance","html":"The Average Cost of Health Insurance"},{"id":"what-does-health-insurance-typically-cover","level":"2","text":"What Does Health Insurance Typically Cover?","html":"What Does Health Insurance Typically Cover?"},{"id":"what-does-health-insurance-not-cover","level":"2","text":"What Does Health Insurance Not Cover?","html":"What Does Health Insurance Not Cover?"},{"id":"protect-your-health-with-the-right-insurance","level":"2","text":"Protect Your Health with the Right Insurance","html":"Protect Your Health with the Right Insurance"},{"id":"frequently-asked-questions","level":"2","text":"Frequently Asked Questions","html":"Frequently Asked Questions"}],"deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/heading","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003ch2 id=\"top-health-insurance-providers\"\u003e9 Best Health Insurance\u003c/h2\u003e\n","tag":"h2","id":"9-best-health-insurance","html":"9 Best Health Insurance","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eThe right health insurance plan protects you and gives you peace of mind. Prepare for Open Enrollment with our guide to the best health insurance plans with these provider reviews.\u003c/p\u003e\n","html":"The right health insurance plan protects you and gives you peace of mind. Prepare for Open Enrollment with our guide to the best health insurance plans with these provider reviews.","tag":"p","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/heading","attrs":{"level":3,"data":[]},"innerBlocks":[],"innerHTML":"\n\u003ch3\u003e1. Best for Quick Health Insurance Quotes: Healthcare.com\u003c/h3\u003e\n","tag":"h3","id":"1-best-for-quick-health-insurance-quotes-healthcarecom","html":"1. Best for Quick Health Insurance Quotes: Healthcare.com","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"acf/compare-products","attrs":{"name":"acf/compare-products","data":{"compare_products":[36134],"style":"","show_product_names":false,"opened":false},"align":"","mode":"edit"},"innerBlocks":[],"innerHTML":"","products":[{"id":36134,"image":"https://cdnwp-s3.benzinga.com/wp-content/uploads/2019/04/26162213/healthcare.com-logo.svg","square_image":null,"best_for":"Quick Health Insurance Quotes","teaser":"","filters":[],"name":"Healthcare.com","link":"https://www.benzinga.com/go/healthcare-com","rating":4,"review":null,"insurance_types_of_plans":"","hide_securely_through":false,"trust":"securely through Healthcare.com's website","current_promotion":null,"disclosure":"","button_text":"","product_badge_image":false,"go_link_id":36136,"company_id":36137,"company_name":"Healthcare.com","tune_offer_id":"","go_link_dofollow":0,"details":{"desc":"","pros":[],"cons":[],"best_for":[],"custom_sec":[]},"phone":"","data":{}}],"deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003e\u003ca href=\"https://www.benzinga.com/go/healthcare-com\"\u003eHealthcare.com\u003c/a\u003e aggregates the best plans and information for anyone seeking health coverage. You can check out the ACA subsidy calendar, review Medicare options and look over traditional health plans. There’s also dental, vision, health, pet and even travel policies. There’s a pharmacy where you can save more money on your prescriptions, along with a whole host of information for you to browse as you seek out the best care and coverage. \u003c/p\u003e\n","html":"\u003ca href=\"https://www.benzinga.com/go/healthcare-com\"\u003eHealthcare.com\u003c/a\u003e aggregates the best plans and information for anyone seeking health coverage. You can check out the ACA subsidy calendar, review Medicare options and look over traditional health plans. There’s also dental, vision, health, pet and even travel policies. There’s a pharmacy where you can save more money on your prescriptions, along with a whole host of information for you to browse as you seek out the best care and coverage. ","tag":"p","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/columns","attrs":{"data":[]},"innerBlocks":[{"blockName":"core/column","attrs":[],"innerBlocks":[{"blockName":"core/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cp\u003e\u003cstrong\u003ePros\u003c/strong\u003e\u003c/p\u003e\n","innerContent":["\n\u003cp\u003e\u003cstrong\u003ePros\u003c/strong\u003e\u003c/p\u003e\n"],"type":"default"},{"blockName":"core/list","attrs":[],"innerBlocks":[{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eThere are several healthcare options available\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eThere are several healthcare options available\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eThere are unique styles of insurance that you can also try\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eThere are unique styles of insurance that you can also try\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eThere’s a lot of information you can use to make informed decisions\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eThere’s a lot of information you can use to make informed decisions\u003c/li\u003e\n"]}],"innerHTML":"\u003cul\u003e\u003cli\u003eThere are several healthcare options available\u003c/li\u003e\u003cli\u003eThere are unique styles of insurance that you can also try\u003c/li\u003e\u003cli\u003eThere’s a lot of information you can use to make informed decisions\u003c/li\u003e\u003c/ul\u003e","innerContent":["\n\u003cul\u003e",null,"\n\n",null,"\n\n",null,"\u003c/ul\u003e\n"],"tag":"ul","html":"\u003cli\u003eThere are several healthcare options available\u003c/li\u003e\u003cli\u003eThere are unique styles of insurance that you can also try\u003c/li\u003e\u003cli\u003eThere’s a lot of information you can use to make informed decisions\u003c/li\u003e","type":"default"}],"innerHTML":"\n\u003cdiv class=\"wp-block-column\"\u003e\n\n\u003c/div\u003e\n","innerContent":["\n\u003cdiv class=\"wp-block-column\"\u003e",null,"\n\n",null,"\u003c/div\u003e\n"]},{"blockName":"core/column","attrs":[],"innerBlocks":[{"blockName":"core/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cp\u003e\u003cstrong\u003eCons\u003c/strong\u003e\u003c/p\u003e\n","innerContent":["\n\u003cp\u003e\u003cstrong\u003eCons\u003c/strong\u003e\u003c/p\u003e\n"],"type":"default"},{"blockName":"core/list","attrs":[],"innerBlocks":[{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eThe platform cannot guarantee the lowest rates or that specific carriers will work with you\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eThe platform cannot guarantee the lowest rates or that specific carriers will work with you\u003c/li\u003e\n"]}],"innerHTML":"\u003cul\u003e\u003cli\u003eThe platform cannot guarantee the lowest rates or that specific carriers will work with you\u003c/li\u003e\u003c/ul\u003e","innerContent":["\n\u003cul\u003e",null,"\u003c/ul\u003e\n"],"tag":"ul","html":"\u003cli\u003eThe platform cannot guarantee the lowest rates or that specific carriers will work with you\u003c/li\u003e","type":"default"}],"innerHTML":"\n\u003cdiv class=\"wp-block-column\"\u003e\n\n\u003c/div\u003e\n","innerContent":["\n\u003cdiv class=\"wp-block-column\"\u003e",null,"\n\n",null,"\u003c/div\u003e\n"]}],"innerHTML":"\n\u003cdiv class=\"wp-block-columns\"\u003e\n\n\u003c/div\u003e\n","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/heading","attrs":{"level":3,"data":[]},"innerBlocks":[],"innerHTML":"\n\u003ch3 id=\"aetna-best-for-medicare-advantage\"\u003e2. Best for Member Support: Aetna\u003c/h3\u003e\n","tag":"h3","id":"2-best-for-member-support-aetna","html":"2. 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Though Aetna no longer offers ACA-compliant plans, the company continues to make healthcare more affordable through Medicare Advantage Part D coverage and dental insurance plans.\u003c/span\u003e\u003c/p\u003e\n\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eAetna’s Medicare options extend to most parts of the country, and premiums for Advantage plans begin at $0 a month. Part D coverage, which helps pay for prescription drugs, begins at about $7 a month in most states. Additionally, Aetna offers dental insurance and dental discount plan options that anyone who doesn’t have dental coverage through their employer can take advantage of. In addition, Aetna also offers a number of additional benefits not seen with other coverage providers, including discounts on prescription drugs and rewards for meeting health goals. \u003c/span\u003e\u003c/p\u003e\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\n","pros":["Offers multiple mobile app offerings to reward you for reaching fitness goals","Dental discount plans may include coverage for prescription drugs","Medicare Advantage plans available with no monthly premiums"],"cons":["Vision insurance only available when purchased with a dental plan","ACA-compliant health insurance no longer available"],"best_for":["Member support"],"custom_sec":[]},"phone":"","data":{}}],"deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003e\u003ca href=\"https://www.benzinga.com/go/aetna-health-insurance\" data-lasso-id=\"131082\"\u003eAetna\u003c/a\u003e offers tiered health insurance plans, and the company takes special care to streamline and improve on the patient portal model. Through your Aetna account, you can schedule appointments, find new doctors or specialists, print your medical ID card and more.\u0026nbsp;\u003c/p\u003e\n","html":"\u003ca href=\"https://www.benzinga.com/go/aetna-health-insurance\" data-lasso-id=\"131082\"\u003eAetna\u003c/a\u003e offers tiered health insurance plans, and the company takes special care to streamline and improve on the patient portal model. Through your Aetna account, you can schedule appointments, find new doctors or specialists, print your medical ID card and more.\u0026nbsp;","tag":"p","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eAetna also offers a comprehensive app compatible with iPhone, Android and the Apple Watch to help you set and work toward your health and fitness goals. If you’re tech-savvy and need an online one stop shop for your healthcare needs, Aetna is an excellent choice.\u0026nbsp;\u0026nbsp;\u003c/p\u003e\n","html":"Aetna also offers a comprehensive app compatible with iPhone, Android and the Apple Watch to help you set and work toward your health and fitness goals. If you’re tech-savvy and need an online one stop shop for your healthcare needs, Aetna is an excellent choice.\u0026nbsp;\u0026nbsp;","tag":"p","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eAetna specializes in Medicare Advantage plans. If you qualify for Medicare, you may want to substitute Original Medicare for a Medicare Advantage plan. Medicare Advantage plans often include additional benefits beyond Original Medicare (like dental coverage and prescription drug coverage).\u0026nbsp;\u0026nbsp;\u003c/p\u003e\n","html":"Aetna specializes in Medicare Advantage plans. If you qualify for Medicare, you may want to substitute Original Medicare for a Medicare Advantage plan. Medicare Advantage plans often include additional benefits beyond Original Medicare (like dental coverage and prescription drug coverage).\u0026nbsp;\u0026nbsp;","tag":"p","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eAetna offers a wide range of Medicare Advantage options that you can use to enjoy more convenient and comprehensive health insurance coverage. Many of Aetna’s plans include $0 deductibles and $0 monthly premiums for medical care, which lowers the costs that you’ll pay for coverage. These $0 deductibles even extend to coverage out of Aetna’s network—which means that if you have a specialist or primary care provider who you want to continue seeing, you’ll be able to use your full suite of Aetna benefits.\u0026nbsp;\u003c/p\u003e\n","html":"Aetna offers a wide range of Medicare Advantage options that you can use to enjoy more convenient and comprehensive health insurance coverage. Many of Aetna’s plans include $0 deductibles and $0 monthly premiums for medical care, which lowers the costs that you’ll pay for coverage. These $0 deductibles even extend to coverage out of Aetna’s network—which means that if you have a specialist or primary care provider who you want to continue seeing, you’ll be able to use your full suite of Aetna benefits.\u0026nbsp;","tag":"p","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/columns","attrs":{"data":[]},"innerBlocks":[{"blockName":"core/column","attrs":[],"innerBlocks":[{"blockName":"core/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cp\u003e\u003cstrong\u003ePros\u003c/strong\u003e\u003c/p\u003e\n","innerContent":["\n\u003cp\u003e\u003cstrong\u003ePros\u003c/strong\u003e\u003c/p\u003e\n"],"type":"default"},{"blockName":"core/list","attrs":[],"innerBlocks":[{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eOffers multiple mobile app offerings to reward you for reaching fitness goals\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eOffers multiple mobile app offerings to reward you for reaching fitness goals\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eDental discount plans may include coverage for prescription drugs\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eDental discount plans may include coverage for prescription drugs\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eMedicare Advantage plans available with no monthly premiums\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eMedicare Advantage plans available with no monthly premiums\u003c/li\u003e\n"]}],"innerHTML":"\u003cul\u003e\u003cli\u003eOffers multiple mobile app offerings to reward you for reaching fitness goals\u003c/li\u003e\u003cli\u003eDental discount plans may include coverage for prescription drugs\u003c/li\u003e\u003cli\u003eMedicare Advantage plans available with no monthly premiums\u003c/li\u003e\u003c/ul\u003e","innerContent":["\n\u003cul\u003e",null,"\n\n",null,"\n\n",null,"\u003c/ul\u003e\n"],"tag":"ul","html":"\u003cli\u003eOffers multiple mobile app offerings to reward you for reaching fitness goals\u003c/li\u003e\u003cli\u003eDental discount plans may include coverage for prescription drugs\u003c/li\u003e\u003cli\u003eMedicare Advantage plans available with no monthly premiums\u003c/li\u003e","type":"default"}],"innerHTML":"\n\u003cdiv class=\"wp-block-column\"\u003e\n\n\u003c/div\u003e\n","innerContent":["\n\u003cdiv class=\"wp-block-column\"\u003e",null,"\n\n",null,"\u003c/div\u003e\n"]},{"blockName":"core/column","attrs":[],"innerBlocks":[{"blockName":"core/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cp\u003e\u003cstrong\u003eCons\u003c/strong\u003e\u003c/p\u003e\n","innerContent":["\n\u003cp\u003e\u003cstrong\u003eCons\u003c/strong\u003e\u003c/p\u003e\n"],"type":"default"},{"blockName":"core/list","attrs":[],"innerBlocks":[{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eVision insurance only available when purchased with a dental plan\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eVision insurance only available when purchased with a dental plan\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eACA-compliant health insurance no longer available\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eACA-compliant health insurance no longer available\u003c/li\u003e\n"]}],"innerHTML":"\u003cul\u003e\u003cli\u003eVision insurance only available when purchased with a dental plan\u003c/li\u003e\u003cli\u003eACA-compliant health insurance no longer available\u003c/li\u003e\u003c/ul\u003e","innerContent":["\n\u003cul\u003e",null,"\n\n",null,"\u003c/ul\u003e\n"],"tag":"ul","html":"\u003cli\u003eVision insurance only available when purchased with a dental plan\u003c/li\u003e\u003cli\u003eACA-compliant health insurance no longer available\u003c/li\u003e","type":"default"}],"innerHTML":"\n\u003cdiv class=\"wp-block-column\"\u003e\n\n\u003c/div\u003e\n","innerContent":["\n\u003cdiv class=\"wp-block-column\"\u003e",null,"\n\n",null,"\u003c/div\u003e\n"]}],"innerHTML":"\n\u003cdiv class=\"wp-block-columns\"\u003e\n\n\u003c/div\u003e\n","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/heading","attrs":{"level":3,"data":[]},"innerBlocks":[],"innerHTML":"\n\u003ch3 id=\"blue-cross-blue-shield-best-for-nationwide-coverage\"\u003e3. Best for Nationwide Coverage: Blue Cross Blue Shield\u003c/h3\u003e\n","tag":"h3","id":"3-best-for-nationwide-coverage-blue-cross-blue-shield","html":"3. Best for Nationwide Coverage: Blue Cross Blue Shield","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"acf/compare-products","attrs":{"name":"acf/compare-products","data":{"compare_products":[36316],"style":"","show_product_names":false,"opened":false},"align":"","mode":"edit"},"innerBlocks":[],"innerHTML":"","products":[{"id":36316,"image":"https://cdnwp-s3.benzinga.com/wp-content/uploads/2019/04/29175231/bluecrossblueshield-768x153.png","square_image":null,"best_for":"Nationwide coverage ","teaser":"","filters":{"#_of_healthcare_providers":28,"online_application?":0,"aca_approved?":0},"name":"Blue Cross Blue Shield Health Insurance","link":"https://www.benzinga.com/go/bluecross-blueshield","rating":4.5,"review":"https://www.benzinga.com/money/blue-cross-blue-shield-health-insurance-review","insurance_types_of_plans":"","hide_securely_through":false,"trust":"securely through Blue Cross Blue Shield Health Insurance's website","current_promotion":null,"disclosure":"","button_text":"get started","product_badge_image":false,"go_link_id":170773,"company_id":36314,"company_name":"Blue Cross Blue Shield","tune_offer_id":null,"go_link_dofollow":0,"details":{"desc":"\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eBlue Cross Blue Shield consists of 35 separate companies that provide \u003c/span\u003e\u003cb\u003ehealth insurance \u003c/b\u003e\u003cspan style=\"font-weight: 400;\"\u003efor roughly one-third of Americans. The company serves all 50 states, Washington D.C., Puerto Rico, and many international areas.\u003c/span\u003e\u003c/p\u003e\n\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eWhile you look into the BCBS affiliates near you, understand what health plans are available as well as the health insurance cost. It offers extensive coverage that gives just about every American the opportunity to purchase a BCBS-affiliated health plan. However, be sure to read up on the company because the premiums and deductibles may not suit you and your circumstances. \u003c/span\u003e\u003c/p\u003e\n","pros":["Coverage in all 50 states and outside the country","Covers both generic and brand-name drugs","Wide network of doctors, hospitals and specialists"],"cons":["Plans offered through regional companies, meaning you must look to your regional company for specific policies","Main customer service helpline may be difficult to reach"],"best_for":["Desire for a new doctor with plenty of options","No cap on annual maximum limits","Comprehensive coverage with exclusive discounts and partnerships"],"custom_sec":[]},"phone":"8663183068","data":{}}],"deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eNot every health insurance company is authorized to sell plans in every state. This can make it more difficult to compare plans, as insurance options will vary depending on your state. \u003ca href=\"https://www.benzinga.com/go/bluecross-blueshield\" data-lasso-id=\"131083\"\u003eBlue Cross Blue Shield\u003c/a\u003e is 1 of the only health insurance providers that can offer plans across the country.\u003c/p\u003e\n","html":"Not every health insurance company is authorized to sell plans in every state. This can make it more difficult to compare plans, as insurance options will vary depending on your state. \u003ca href=\"https://www.benzinga.com/go/bluecross-blueshield\" data-lasso-id=\"131083\"\u003eBlue Cross Blue Shield\u003c/a\u003e is 1 of the only health insurance providers that can offer plans across the country.","tag":"p","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eThrough a network of subsidiary companies, Blue Cross Blue Shield offers health insurance options in most parts of the country. Blue Cross Blue Shield issues ACA-compliant plans that include access to the 10 essential benefits, as well as online health management resources. Plan holders also have access to special discounts on wellness products and services.\u0026nbsp;\u003c/p\u003e\n","html":"Through a network of subsidiary companies, Blue Cross Blue Shield offers health insurance options in most parts of the country. Blue Cross Blue Shield issues ACA-compliant plans that include access to the 10 essential benefits, as well as online health management resources. Plan holders also have access to special discounts on wellness products and services.\u0026nbsp;","tag":"p","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/columns","attrs":{"data":[]},"innerBlocks":[{"blockName":"core/column","attrs":[],"innerBlocks":[{"blockName":"core/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cp\u003e\u003cstrong\u003ePros\u003c/strong\u003e\u003c/p\u003e\n","innerContent":["\n\u003cp\u003e\u003cstrong\u003ePros\u003c/strong\u003e\u003c/p\u003e\n"],"type":"default"},{"blockName":"core/list","attrs":[],"innerBlocks":[{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eAvailable in all 50 states\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eAvailable in all 50 states\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eLarge provider network makes it easy to find care\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eLarge provider network makes it easy to find care\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eOptions for health maintenance organization (HMO), exclusive provider organization (EPO) or PPO plans\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eOptions for health maintenance organization (HMO), exclusive provider organization (EPO) or PPO plans\u003c/li\u003e\n"]}],"innerHTML":"\u003cul\u003e\u003cli\u003eAvailable in all 50 states\u003c/li\u003e\u003cli\u003eLarge provider network makes it easy to find care\u003c/li\u003e\u003cli\u003eOptions for health maintenance organization (HMO), exclusive provider organization (EPO) or PPO plans\u003c/li\u003e\u003c/ul\u003e","innerContent":["\n\u003cul\u003e",null,"\n\n",null,"\n\n",null,"\u003c/ul\u003e\n"],"tag":"ul","html":"\u003cli\u003eAvailable in all 50 states\u003c/li\u003e\u003cli\u003eLarge provider network makes it easy to find care\u003c/li\u003e\u003cli\u003eOptions for health maintenance organization (HMO), exclusive provider organization (EPO) or PPO plans\u003c/li\u003e","type":"default"}],"innerHTML":"\n\u003cdiv class=\"wp-block-column\"\u003e\n\n\u003c/div\u003e\n","innerContent":["\n\u003cdiv class=\"wp-block-column\"\u003e",null,"\n\n",null,"\u003c/div\u003e\n"]},{"blockName":"core/column","attrs":[],"innerBlocks":[{"blockName":"core/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cp\u003e\u003cstrong\u003eCons\u003c/strong\u003e\u003c/p\u003e\n","innerContent":["\n\u003cp\u003e\u003cstrong\u003eCons\u003c/strong\u003e\u003c/p\u003e\n"],"type":"default"},{"blockName":"core/list","attrs":[],"innerBlocks":[{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eCompany has an above-average complaint level for the industry\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eCompany has an above-average complaint level for the industry\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eOne of the more expensive monthly premiums\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eOne of the more expensive monthly premiums\u003c/li\u003e\n"]}],"innerHTML":"\u003cul\u003e\u003cli\u003eCompany has an above-average complaint level for the industry\u003c/li\u003e\u003cli\u003eOne of the more expensive monthly premiums\u003c/li\u003e\u003c/ul\u003e","innerContent":["\n\u003cul\u003e",null,"\n\n",null,"\u003c/ul\u003e\n"],"tag":"ul","html":"\u003cli\u003eCompany has an above-average complaint level for the industry\u003c/li\u003e\u003cli\u003eOne of the more expensive monthly premiums\u003c/li\u003e","type":"default"}],"innerHTML":"\n\u003cdiv class=\"wp-block-column\"\u003e\n\n\u003c/div\u003e\n","innerContent":["\n\u003cdiv class=\"wp-block-column\"\u003e",null,"\n\n",null,"\u003c/div\u003e\n"]}],"innerHTML":"\n\u003cdiv class=\"wp-block-columns\"\u003e\n\n\u003c/div\u003e\n","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/heading","attrs":{"level":3,"data":[]},"innerBlocks":[],"innerHTML":"\n\u003ch3 id=\"kaiser-permanente-best-for-cohesive-care\"\u003e4. Best for Access to Specialists: Kaiser Permanente\u003c/h3\u003e\n","tag":"h3","id":"4-best-for-access-to-specialists-kaiser-permanente","html":"4. Best for Access to Specialists: Kaiser Permanente","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"acf/compare-products","attrs":{"name":"acf/compare-products","data":{"compare_products":[36313],"style":"","show_product_names":false,"opened":false},"align":"","mode":"edit"},"innerBlocks":[],"innerHTML":"","products":[{"id":36313,"image":"https://cdnwp-s3.benzinga.com/wp-content/uploads/2022/02/25113045/Kaiser-Permanente.png","square_image":null,"best_for":"Access to Kaiser medical specialists ","teaser":"","filters":{"#_of_healthcare_providers":150,"online_application?":0,"aca_approved?":0},"name":"Kaiser Permanente Health Insurance","link":"https://www.benzinga.com/go/kaiser-landing-page-ehealth","rating":3.5,"review":"https://www.benzinga.com/money/kaiser-permanente-insurance-review","insurance_types_of_plans":"","hide_securely_through":true,"trust":"","current_promotion":null,"disclosure":"","button_text":"get started","product_badge_image":false,"go_link_id":147648,"company_id":36311,"company_name":"Kaiser Permanente","tune_offer_id":null,"go_link_dofollow":0,"details":{"desc":"\u003cp\u003eKaiser Permanente is a not-for-profit health plan. Kaiser Permanente offers both health insurance and health care, which has resulted in excellent reviews from customers and rating organizations. Kaiser Permanente does have limited service areas, and you typically need to stay in-network for services unless you’re experiencing an emergency.\u003c/p\u003e\n","pros":["Many services available in one location","Ability to make appointments online or using an app","Good customer service"],"cons":["Limited service area","Need to stay in the Kaiser Permanente network for most services"],"best_for":["People in Kaiser Permanente service areas","People who don’t mind managed care","People who like to manage their care online"],"custom_sec":[]},"phone":"8668591374","data":{}}],"deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003e\u003ca href=\"https://www.benzinga.com/go/kaiser-landing-page-ehealth\" data-lasso-id=\"131084\"\u003eKaiser Permanente\u003c/a\u003e operates as a health maintenance organization (HMO). This means that you’ll use your coverage within Kaiser Permanente’s network when you need to see a doctor or specialist. While this limits the areas where you can use your coverage, it helps you save money on your premiums.\u003c/p\u003e\n","html":"\u003ca href=\"https://www.benzinga.com/go/kaiser-landing-page-ehealth\" data-lasso-id=\"131084\"\u003eKaiser Permanente\u003c/a\u003e operates as a health maintenance organization (HMO). This means that you’ll use your coverage within Kaiser Permanente’s network when you need to see a doctor or specialist. While this limits the areas where you can use your coverage, it helps you save money on your premiums.","tag":"p","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eThanks to its network connections, Kaiser Permanente’s team can communicate with one another regarding your care and treatment plan. This can help limit interactions between medications and helps you get the referrals that you need quickly. You can enroll in an ACA-compliant plan and explore your options easily through the health insurance Marketplace or directly through Kaiser Permanente.\u0026nbsp;\u003c/p\u003e\n","html":"Thanks to its network connections, Kaiser Permanente’s team can communicate with one another regarding your care and treatment plan. This can help limit interactions between medications and helps you get the referrals that you need quickly. You can enroll in an ACA-compliant plan and explore your options easily through the health insurance Marketplace or directly through Kaiser Permanente.\u0026nbsp;","tag":"p","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/columns","attrs":{"data":[]},"innerBlocks":[{"blockName":"core/column","attrs":[],"innerBlocks":[{"blockName":"core/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cp\u003e\u003cstrong\u003ePros\u003c/strong\u003e\u003c/p\u003e\n","innerContent":["\n\u003cp\u003e\u003cstrong\u003ePros\u003c/strong\u003e\u003c/p\u003e\n"],"type":"default"},{"blockName":"core/list","attrs":[],"innerBlocks":[{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eHealth plans available for all ages\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eHealth plans available for all ages\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eLow member complaints when compared to the national average\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eLow member complaints when compared to the national average\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eThe National Committee for Quality Assurance gives the company high ratings\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eThe National Committee for Quality Assurance gives the company high ratings\u003c/li\u003e\n"]}],"innerHTML":"\u003cul\u003e\u003cli\u003eHealth plans available for all ages\u003c/li\u003e\u003cli\u003eLow member complaints when compared to the national average\u003c/li\u003e\u003cli\u003eThe National Committee for Quality Assurance gives the company high ratings\u003c/li\u003e\u003c/ul\u003e","innerContent":["\n\u003cul\u003e",null,"\n\n",null,"\n\n",null,"\u003c/ul\u003e\n"],"tag":"ul","html":"\u003cli\u003eHealth plans available for all ages\u003c/li\u003e\u003cli\u003eLow member complaints when compared to the national average\u003c/li\u003e\u003cli\u003eThe National Committee for Quality Assurance gives the company high ratings\u003c/li\u003e","type":"default"}],"innerHTML":"\n\u003cdiv class=\"wp-block-column\"\u003e\n\n\u003c/div\u003e\n","innerContent":["\n\u003cdiv class=\"wp-block-column\"\u003e",null,"\n\n",null,"\u003c/div\u003e\n"]},{"blockName":"core/column","attrs":[],"innerBlocks":[{"blockName":"core/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cp\u003e\u003cstrong\u003eCons\u003c/strong\u003e\u003c/p\u003e\n","innerContent":["\n\u003cp\u003e\u003cstrong\u003eCons\u003c/strong\u003e\u003c/p\u003e\n"],"type":"default"},{"blockName":"core/list","attrs":[],"innerBlocks":[{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eCan only get coverage in eight states and Washington, D.C.\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eCan only get coverage in eight states and Washington, D.C.\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eMany plan participants report that getting in to see specialists takes a long time\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eMany plan participants report that getting in to see specialists takes a long time\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eHealth plan does not offer a PPO option\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eHealth plan does not offer a PPO option\u003c/li\u003e\n"]}],"innerHTML":"\u003cul\u003e\u003cli\u003eCan only get coverage in eight states and Washington, D.C.\u003c/li\u003e\u003cli\u003eMany plan participants report that getting in to see specialists takes a long time\u003c/li\u003e\u003cli\u003eHealth plan does not offer a PPO option\u003c/li\u003e\u003c/ul\u003e","innerContent":["\n\u003cul\u003e",null,"\n\n",null,"\n\n",null,"\u003c/ul\u003e\n"],"tag":"ul","html":"\u003cli\u003eCan only get coverage in eight states and Washington, D.C.\u003c/li\u003e\u003cli\u003eMany plan participants report that getting in to see specialists takes a long time\u003c/li\u003e\u003cli\u003eHealth plan does not offer a PPO option\u003c/li\u003e","type":"default"}],"innerHTML":"\n\u003cdiv class=\"wp-block-column\"\u003e\n\n\u003c/div\u003e\n","innerContent":["\n\u003cdiv class=\"wp-block-column\"\u003e",null,"\n\n",null,"\u003c/div\u003e\n"]}],"innerHTML":"\n\u003cdiv class=\"wp-block-columns\"\u003e\n\n\u003c/div\u003e\n","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/heading","attrs":{"level":3,"data":[]},"innerBlocks":[],"innerHTML":"\n\u003ch3 id=\"cigna-best-for-single-stop-coverage\"\u003e5. Best for Global Coverage: Cigna\u003c/h3\u003e\n","tag":"h3","id":"5-best-for-global-coverage-cigna","html":"5. Best for Global Coverage: Cigna","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"acf/compare-products","attrs":{"name":"acf/compare-products","data":{"compare_products":[148300],"style":"","show_product_names":false,"opened":false},"align":"","mode":"edit"},"innerBlocks":[],"innerHTML":"","products":[{"id":148300,"image":"https://cdnwp-s3.benzinga.com/wp-content/uploads/2019/04/29182502/Cigna_logo.svg_-768x824.png","square_image":null,"best_for":"Pharmacy programs","teaser":"","filters":{"#_of_healthcare_providers":875,"online_application?":0,"aca_approved?":0},"name":"Cigna Health Insurance","link":"https://www.benzinga.com/go/cigna-health-insurance","rating":4,"review":"https://www.benzinga.com/money/cigna-health-insurance-review","insurance_types_of_plans":"","hide_securely_through":true,"trust":"","current_promotion":null,"disclosure":"","button_text":"get started","product_badge_image":false,"go_link_id":170774,"company_id":36346,"company_name":"Cigna","tune_offer_id":null,"go_link_dofollow":0,"details":{"desc":"\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eCigna Health Insurance offers low-cost private health insurance and Medicare Advantage and Supplement Plans for families and individuals. Founded in 1982 and based in Bloomfield, Connecticut, the company offers a wide array of health insurance plans including three Bronze plans, four Silver and one Gold. All Cigna plans are EPO plans, meaning they are all in-network. Free telehealth visits come with every plan and are available to customers 24/7.\u003c/span\u003e\u003c/p\u003e\n\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eThe four-metal tier coverage plans include:\u003c/span\u003e\u003c/p\u003e\n\u003cul\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eBronze\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eExpanded bronze\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eSilver\u003c/span\u003e\u003c/li\u003e\n\u003cli style=\"font-weight: 400;\" aria-level=\"1\"\u003e\u003cspan style=\"font-weight: 400;\"\u003eGold\u003c/span\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eIndividual and family Cigna private insurance plans are all available on the Marketplace and through the Cigna website, as well as with licensed agents in each state. Because they are sold through the Marketplace, they can only be purchased during your state’s open enrollment period. Special enrollment periods apply for special circumstances.\u003c/span\u003e\u003c/p\u003e\n","pros":["Home delivery for prescriptions","Health management mobile apps","Easy ID card replacement"],"cons":["Potentially high deductibles","Not available in all 50 states"],"best_for":["Easy access to benefits","Pharmacy programs","Savings and spending accounts such as HSA and FSA","Supplemental plans"],"custom_sec":[]},"phone":"8668591384","data":{}}],"deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eThough ACA plan providers are required to offer coverage for the 10 essential health benefits, these benefits do not extend to all health services. For example, ACA plan providers are not required to offer coverage for dental health services or vision coverage for adults enrolled in coverage. This can mean that you’ll need to shop for different insurance plans with multiple providers to get a comprehensive set of coverages.\u003c/p\u003e\n","html":"Though ACA plan providers are required to offer coverage for the 10 essential health benefits, these benefits do not extend to all health services. For example, ACA plan providers are not required to offer coverage for dental health services or vision coverage for adults enrolled in coverage. This can mean that you’ll need to shop for different insurance plans with multiple providers to get a comprehensive set of coverages.","tag":"p","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003e\u003cstrong\u003eCigna\u003c/strong\u003e is a health insurance provider offering ACA-compliant individual plans in 10 states. In many areas, Cigna’s customers pay as little as $125 for coverage, and there are more than 30 plan options available in most states. Cigna also offers vision insurance and dental insurance options directly through its site, and you can sign onto all coverages with just a few clicks.\u0026nbsp;\u003c/p\u003e\n","html":"\u003cstrong\u003eCigna\u003c/strong\u003e is a health insurance provider offering ACA-compliant individual plans in 10 states. In many areas, Cigna’s customers pay as little as $125 for coverage, and there are more than 30 plan options available in most states. Cigna also offers vision insurance and dental insurance options directly through its site, and you can sign onto all coverages with just a few clicks.\u0026nbsp;","tag":"p","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/columns","attrs":{"data":[]},"innerBlocks":[{"blockName":"core/column","attrs":[],"innerBlocks":[{"blockName":"core/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cp\u003e\u003cstrong\u003ePros\u003c/strong\u003e\u003c/p\u003e\n","innerContent":["\n\u003cp\u003e\u003cstrong\u003ePros\u003c/strong\u003e\u003c/p\u003e\n"],"type":"default"},{"blockName":"core/list","attrs":[],"innerBlocks":[{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eLarge provider network makes it easier to find care\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eLarge provider network makes it easier to find care\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eIs one of the oldest and largest insurance companies in the nation\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eIs one of the oldest and largest insurance companies in the nation\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eOffers dental add-on plans\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eOffers dental add-on plans\u003c/li\u003e\n"]}],"innerHTML":"\u003cul\u003e\u003cli\u003eLarge provider network makes it easier to find care\u003c/li\u003e\u003cli\u003eIs one of the oldest and largest insurance companies in the nation\u003c/li\u003e\u003cli\u003eOffers dental add-on plans\u003c/li\u003e\u003c/ul\u003e","innerContent":["\n\u003cul\u003e",null,"\n\n",null,"\n\n",null,"\u003c/ul\u003e\n"],"tag":"ul","html":"\u003cli\u003eLarge provider network makes it easier to find care\u003c/li\u003e\u003cli\u003eIs one of the oldest and largest insurance companies in the nation\u003c/li\u003e\u003cli\u003eOffers dental add-on plans\u003c/li\u003e","type":"default"}],"innerHTML":"\n\u003cdiv class=\"wp-block-column\"\u003e\n\n\u003c/div\u003e\n","innerContent":["\n\u003cdiv class=\"wp-block-column\"\u003e",null,"\n\n",null,"\u003c/div\u003e\n"]},{"blockName":"core/column","attrs":[],"innerBlocks":[{"blockName":"core/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cp\u003e\u003cstrong\u003eCons\u003c/strong\u003e\u003c/p\u003e\n","innerContent":["\n\u003cp\u003e\u003cstrong\u003eCons\u003c/strong\u003e\u003c/p\u003e\n"],"type":"default"},{"blockName":"core/list","attrs":[],"innerBlocks":[{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003ePlan availability is limited to Arizona, California, Colorado, Connecticut, Florida, Georgia, Maryland, Montana, North Carolina, South Carolina, Tennessee and Texas\u003c/li\u003e\n","innerContent":["\n\u003cli\u003ePlan availability is limited to Arizona, California, Colorado, Connecticut, Florida, Georgia, Maryland, Montana, North Carolina, South Carolina, Tennessee and Texas\u003c/li\u003e\n"]}],"innerHTML":"\u003cul\u003e\u003cli\u003ePlan availability is limited to Arizona, California, Colorado, Connecticut, Florida, Georgia, Maryland, Montana, North Carolina, South Carolina, Tennessee and Texas\u003c/li\u003e\u003c/ul\u003e","innerContent":["\n\u003cul\u003e",null,"\u003c/ul\u003e\n"],"tag":"ul","html":"\u003cli\u003ePlan availability is limited to Arizona, California, Colorado, Connecticut, Florida, Georgia, Maryland, Montana, North Carolina, South Carolina, Tennessee and Texas\u003c/li\u003e","type":"default"}],"innerHTML":"\n\u003cdiv class=\"wp-block-column\"\u003e\n\n\u003c/div\u003e\n","innerContent":["\n\u003cdiv class=\"wp-block-column\"\u003e",null,"\n\n",null,"\u003c/div\u003e\n"]}],"innerHTML":"\n\u003cdiv class=\"wp-block-columns\"\u003e\n\n\u003c/div\u003e\n","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/heading","attrs":{"level":3,"data":[]},"innerBlocks":[],"innerHTML":"\n\u003ch3 id=\"sidecar-health-best-for-no-enrollment-period\"\u003e6. Best for No Waiting Period: Sidecar Health\u003c/h3\u003e\n","tag":"h3","id":"6-best-for-no-waiting-period-sidecar-health","html":"6. Best for No Waiting Period: Sidecar Health","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"acf/compare-products","attrs":{"name":"acf/compare-products","data":{"compare_products":[125898],"style":"","show_product_names":false,"opened":false},"align":"","mode":"edit"},"innerBlocks":[],"innerHTML":"","products":[{"id":125898,"image":"https://cdnwp-s3.benzinga.com/wp-content/uploads/2021/06/09182415/sidecar-health.png","square_image":null,"best_for":"No enrollment period health insurance","teaser":"","filters":{"#_of_healthcare_providers":0,"online_application?":0},"name":"Sidecar Health Access Plan","link":"https://www.benzinga.com/go/sidecar-health","rating":4.5,"review":"https://www.benzinga.com/money/sidecar-health-review","insurance_types_of_plans":"","hide_securely_through":false,"trust":"securely through Sidecar Health Access Plan's website","current_promotion":null,"disclosure":"\u003cp\u003e\u003cspan style=\"font-size: 8pt;\"\u003e\u003cem\u003ePlans referred to above are excepted benefit fixed indemnity insurance products marketed and administered by Sidecar Health Insurance Solutions, LLC and underwritten by Sirius America Insurance Company or United States Fire Insurance Company, depending on the state. As an excepted benefit plan, it does not provide comprehensive/major medical expenses coverage, minimum essential coverage, or essential health benefits. You cannot receive a subsidy (premium tax credit and/or cost-sharing reduction) under the ACA in connection with your purchase of such an excepted benefit fixed indemnity insurance plan. Also, the termination or loss of this policy does not entitle you to a special enrollment period to purchase a health benefit plan that qualifies as minimum essential coverage outside of an open enrollment period. Coverage and plan options may vary or may not be available in all states.\u003c/em\u003e\u003c/span\u003e\u003c/p\u003e\n","button_text":"Get Started","product_badge_image":false,"go_link_id":125902,"company_id":125901,"company_name":"Sidecar Health Access Plan","tune_offer_id":null,"go_link_dofollow":0,"details":{"desc":"\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eSidecar Health Access Plan is another approach to traditional health insurance. Instead of your health care providers billing your insurance, you pay upfront using the Sidecar Health payment card. This results in savings of up to 40% on healthcare costs for its customers. \u003c/span\u003e\u003c/p\u003e\n\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eEstablished in 2018, Sidecar Health Access Plan is based in El Segundo, California. Its plan options are easy-to-understand and allow you to shop upfront for affordable health care rather than receiving care and finding out what it costs later. \u003c/span\u003e\u003c/p\u003e\n\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eLearn more about Sidecar Health Access Plan and how it works. \u003c/span\u003e\u003c/p\u003e\n\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003ePrefer to talk to an agent on the phone? \u003cstrong\u003eCall 866-794-1192 to speak to a representative now.\u003c/strong\u003e\u003c/span\u003e\u003c/p\u003e\n","pros":["You can customize your plan","It may reduce healthcare costs by as much as 40%","It has a mobile app to access information on-the-go","No provider network, so you can see any doctor with no referrals needed","No enrollment period"],"cons":["Plans are not compliant with the Affordable Care Act (ACA)","Plans have an annual coverage limit"],"best_for":["People who are younger than age 65","People in relatively good health","People who want to shop for affordable doctors, specialists or procedures","People who want transparency in healthcare costs"],"custom_sec":[]},"phone":"","data":{}}],"deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eThough ACA-compliant plans provide a comprehensive range of benefits, you must sign up for coverage during the limited Open Enrollment period. If you’re outside of the Open Enrollment period and you’re looking for coverage, you might want to consider \u003ca href=\"https://www.benzinga.com/go/sidecar-health\" data-lasso-id=\"131085\"\u003eSidecar Health\u003c/a\u003e.\u0026nbsp; Sidecar Health’s Access Plan has no enrollment period, which means that you can sign onto coverage any time.\u003c/p\u003e\n","html":"Though ACA-compliant plans provide a comprehensive range of benefits, you must sign up for coverage during the limited Open Enrollment period. If you’re outside of the Open Enrollment period and you’re looking for coverage, you might want to consider \u003ca href=\"https://www.benzinga.com/go/sidecar-health\" data-lasso-id=\"131085\"\u003eSidecar Health\u003c/a\u003e.\u0026nbsp; Sidecar Health’s Access Plan has no enrollment period, which means that you can sign onto coverage any time.","tag":"p","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eSidecar Health can be an excellent option for those who need quick, affordable coverage. The company’s streamlined process allows users to pay lower premiums, and $0 deductibles are standard. Sidecar Health also doesn’t utilize a network, which means that you don’t need to worry about finding care providers that have partnered with Sidecar Health.\u0026nbsp;\u003c/p\u003e\n","html":"Sidecar Health can be an excellent option for those who need quick, affordable coverage. The company’s streamlined process allows users to pay lower premiums, and $0 deductibles are standard. Sidecar Health also doesn’t utilize a network, which means that you don’t need to worry about finding care providers that have partnered with Sidecar Health.\u0026nbsp;","tag":"p","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/columns","attrs":{"data":[]},"innerBlocks":[{"blockName":"core/column","attrs":[],"innerBlocks":[{"blockName":"core/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cp\u003e\u003cstrong\u003ePros\u003c/strong\u003e\u003c/p\u003e\n","innerContent":["\n\u003cp\u003e\u003cstrong\u003ePros\u003c/strong\u003e\u003c/p\u003e\n"],"type":"default"},{"blockName":"core/list","attrs":[],"innerBlocks":[{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eYou can customize your plan\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eYou can customize your plan\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eIt may reduce healthcare costs by as much as 40%\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eIt may reduce healthcare costs by as much as 40%\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eIt has a mobile app to access information on-the-go\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eIt has a mobile app to access information on-the-go\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eNo provider network, so you can see any doctor with no referrals needed\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eNo provider network, so you can see any doctor with no referrals needed\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eNo enrollment period\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eNo enrollment period\u003c/li\u003e\n"]}],"innerHTML":"\u003cul\u003e\u003cli\u003eYou can customize your plan\u003c/li\u003e\u003cli\u003eIt may reduce healthcare costs by as much as 40%\u003c/li\u003e\u003cli\u003eIt has a mobile app to access information on-the-go\u003c/li\u003e\u003cli\u003eNo provider network, so you can see any doctor with no referrals needed\u003c/li\u003e\u003cli\u003eNo enrollment period\u003c/li\u003e\u003c/ul\u003e","innerContent":["\n\u003cul\u003e",null,"\n\n",null,"\n\n",null,"\n\n",null,"\n\n",null,"\u003c/ul\u003e\n"],"tag":"ul","html":"\u003cli\u003eYou can customize your plan\u003c/li\u003e\u003cli\u003eIt may reduce healthcare costs by as much as 40%\u003c/li\u003e\u003cli\u003eIt has a mobile app to access information on-the-go\u003c/li\u003e\u003cli\u003eNo provider network, so you can see any doctor with no referrals needed\u003c/li\u003e\u003cli\u003eNo enrollment period\u003c/li\u003e","type":"default"}],"innerHTML":"\n\u003cdiv class=\"wp-block-column\"\u003e\n\n\u003c/div\u003e\n","innerContent":["\n\u003cdiv class=\"wp-block-column\"\u003e",null,"\n\n",null,"\u003c/div\u003e\n"]},{"blockName":"core/column","attrs":[],"innerBlocks":[{"blockName":"core/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cp\u003e\u003cstrong\u003eCons\u003c/strong\u003e\u003c/p\u003e\n","innerContent":["\n\u003cp\u003e\u003cstrong\u003eCons\u003c/strong\u003e\u003c/p\u003e\n"],"type":"default"},{"blockName":"core/list","attrs":[],"innerBlocks":[{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003ePlans are not compliant with the Affordable Care Act (ACA)\u003c/li\u003e\n","innerContent":["\n\u003cli\u003ePlans are not compliant with the Affordable Care Act (ACA)\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003ePlans have an annual coverage limit\u003c/li\u003e\n","innerContent":["\n\u003cli\u003ePlans have an annual coverage limit\u003c/li\u003e\n"]}],"innerHTML":"\u003cul\u003e\u003cli\u003ePlans are not compliant with the Affordable Care Act (ACA)\u003c/li\u003e\u003cli\u003ePlans have an annual coverage limit\u003c/li\u003e\u003c/ul\u003e","innerContent":["\n\u003cul\u003e",null,"\n\n",null,"\u003c/ul\u003e\n"],"tag":"ul","html":"\u003cli\u003ePlans are not compliant with the Affordable Care Act (ACA)\u003c/li\u003e\u003cli\u003ePlans have an annual coverage limit\u003c/li\u003e","type":"default"}],"innerHTML":"\n\u003cdiv class=\"wp-block-column\"\u003e\n\n\u003c/div\u003e\n","innerContent":["\n\u003cdiv class=\"wp-block-column\"\u003e",null,"\n\n",null,"\u003c/div\u003e\n"]}],"innerHTML":"\n\u003cdiv class=\"wp-block-columns\"\u003e\n\n\u003c/div\u003e\n","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/heading","attrs":{"level":3,"data":[]},"innerBlocks":[],"innerHTML":"\n\u003ch3 id=\"pivot-health-best-for-short-term-health-plans\"\u003e7. Best for Short-Term Plans: Pivot Health\u003c/h3\u003e\n","tag":"h3","id":"7-best-for-short--term-plans-pivot-health","html":"7. Best for Short-Term Plans: Pivot Health","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"acf/compare-products","attrs":{"name":"acf/compare-products","data":{"compare_products":[54140],"style":"","show_product_names":false,"opened":false},"align":"","mode":"edit"},"innerBlocks":[],"innerHTML":"","products":[{"id":54140,"image":"https://cdnwp-s3.benzinga.com/wp-content/uploads/2020/09/09120421/pivot.png","square_image":null,"best_for":"Comparing short term health plans ","teaser":"","filters":{"#_of_healthcare_providers":0,"online_application?":0},"name":"Pivot Health","link":"https://www.benzinga.com/go/pivot-health","rating":4,"review":null,"insurance_types_of_plans":"","hide_securely_through":false,"trust":"securely through Pivot Health's website","current_promotion":null,"disclosure":"\u003cp\u003eAvailability of plans and policy duration vary by state.\u003c/p\u003e\n","button_text":"Compare Plans","product_badge_image":false,"go_link_id":82402,"company_id":54138,"company_name":"Pivot Health","tune_offer_id":null,"go_link_dofollow":0,"details":{"desc":"\u003cp\u003ePivot Health is your partner in big life changes that may require you to seek temporary health insurance.\u003c/p\u003e\n\u003cp\u003ePivot Health can help you find short term health plans, supplemental insurance products and more. Compare plans from multiple providers and get insurance that fits your needs today.\u003c/p\u003e\n","pros":["Work with the most trusted short term health plan providers","No network restrictions","Telemedicine coverage"],"cons":["Plans not available in every state"],"best_for":["Comparing short term health plans from multiple providers"],"custom_sec":[]},"phone":"","data":{}}],"deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eA short-term health insurance plan is another option that you can use to get coverage quickly outside of Open Enrollment. \u003ca href=\"https://www.benzinga.com/go/pivot-health\" data-lasso-id=\"131086\"\u003ePivot Health\u003c/a\u003e is a short-term health insurance plan and supplemental coverage plan provider. With Pivot Health, you can sign onto temporary health insurance coverage in as little as a few minutes and compare your options quickly.\u003c/p\u003e\n","html":"A short-term health insurance plan is another option that you can use to get coverage quickly outside of Open Enrollment. \u003ca href=\"https://www.benzinga.com/go/pivot-health\" data-lasso-id=\"131086\"\u003ePivot Health\u003c/a\u003e is a short-term health insurance plan and supplemental coverage plan provider. With Pivot Health, you can sign onto temporary health insurance coverage in as little as a few minutes and compare your options quickly.","tag":"p","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003ePivot Health allows you to sign onto coverage for as little as 30 days or as long as 3 years depending on your state’s laws. Plan options are more affordable when compared to ACA-compliant plans, and there is no enrollment period for these plans. Designed for flexibility, your coverage can start the next day after approval.\u0026nbsp;\u0026nbsp;\u003c/p\u003e\n","html":"Pivot Health allows you to sign onto coverage for as little as 30 days or as long as 3 years depending on your state’s laws. Plan options are more affordable when compared to ACA-compliant plans, and there is no enrollment period for these plans. Designed for flexibility, your coverage can start the next day after approval.\u0026nbsp;\u0026nbsp;","tag":"p","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/columns","attrs":{"data":[]},"innerBlocks":[{"blockName":"core/column","attrs":[],"innerBlocks":[{"blockName":"core/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cp\u003e\u003cstrong\u003ePros\u003c/strong\u003e\u003c/p\u003e\n","innerContent":["\n\u003cp\u003e\u003cstrong\u003ePros\u003c/strong\u003e\u003c/p\u003e\n"],"type":"default"},{"blockName":"core/list","attrs":[],"innerBlocks":[{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eLifestyle benefits and discounts\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eLifestyle benefits and discounts\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eCoverage periods as short as 30 days\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eCoverage periods as short as 30 days\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eAccess to round-the-clock telehealth services\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eAccess to round-the-clock telehealth services\u003c/li\u003e\n"]}],"innerHTML":"\u003cul\u003e\u003cli\u003eLifestyle benefits and discounts\u003c/li\u003e\u003cli\u003eCoverage periods as short as 30 days\u003c/li\u003e\u003cli\u003eAccess to round-the-clock telehealth services\u003c/li\u003e\u003c/ul\u003e","innerContent":["\n\u003cul\u003e",null,"\n\n",null,"\n\n",null,"\u003c/ul\u003e\n"],"tag":"ul","html":"\u003cli\u003eLifestyle benefits and discounts\u003c/li\u003e\u003cli\u003eCoverage periods as short as 30 days\u003c/li\u003e\u003cli\u003eAccess to round-the-clock telehealth services\u003c/li\u003e","type":"default"}],"innerHTML":"\n\u003cdiv class=\"wp-block-column\"\u003e\n\n\u003c/div\u003e\n","innerContent":["\n\u003cdiv class=\"wp-block-column\"\u003e",null,"\n\n",null,"\u003c/div\u003e\n"]},{"blockName":"core/column","attrs":[],"innerBlocks":[{"blockName":"core/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cp\u003e\u003cstrong\u003eCons\u003c/strong\u003e\u003c/p\u003e\n","innerContent":["\n\u003cp\u003e\u003cstrong\u003eCons\u003c/strong\u003e\u003c/p\u003e\n"],"type":"default"},{"blockName":"core/list","attrs":[],"innerBlocks":[{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eCoverage maximums might not cover your needs during your coverage period\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eCoverage maximums might not cover your needs during your coverage period\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eNo coverage for preexisting conditions\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eNo coverage for preexisting conditions\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eEmergency services require approval within 48 hours of receiving care\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eEmergency services require approval within 48 hours of receiving care\u003c/li\u003e\n"]}],"innerHTML":"\u003cul\u003e\u003cli\u003eCoverage maximums might not cover your needs during your coverage period\u003c/li\u003e\u003cli\u003eNo coverage for preexisting conditions\u003c/li\u003e\u003cli\u003eEmergency services require approval within 48 hours of receiving care\u003c/li\u003e\u003c/ul\u003e","innerContent":["\n\u003cul\u003e",null,"\n\n",null,"\n\n",null,"\u003c/ul\u003e\n"],"tag":"ul","html":"\u003cli\u003eCoverage maximums might not cover your needs during your coverage period\u003c/li\u003e\u003cli\u003eNo coverage for preexisting conditions\u003c/li\u003e\u003cli\u003eEmergency services require approval within 48 hours of receiving care\u003c/li\u003e","type":"default"}],"innerHTML":"\n\u003cdiv class=\"wp-block-column\"\u003e\n\n\u003c/div\u003e\n","innerContent":["\n\u003cdiv class=\"wp-block-column\"\u003e",null,"\n\n",null,"\u003c/div\u003e\n"]}],"innerHTML":"\n\u003cdiv class=\"wp-block-columns\"\u003e\n\n\u003c/div\u003e\n","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/heading","attrs":{"level":3,"data":[]},"innerBlocks":[],"innerHTML":"\n\u003ch3 id=\"unitedhealthcare-best-for-availability\"\u003e8. Best for Same-Day Coverage: UnitedHealthcare\u003c/h3\u003e\n","tag":"h3","id":"8-best-for-same--day-coverage-united-healthcare","html":"8. Best for Same-Day Coverage: UnitedHealthcare","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"acf/compare-products","attrs":{"name":"acf/compare-products","data":{"compare_products":[36289],"style":"","show_product_names":false,"opened":false},"align":"","mode":"edit"},"innerBlocks":[],"innerHTML":"","products":[{"id":36289,"image":"https://cdnwp-s3.benzinga.com/wp-content/uploads/2019/04/24194011/header-logo.png","square_image":null,"best_for":"Same day coverage available","teaser":"","filters":{"#_of_healthcare_providers":855,"online_application?":0,"aca_approved?":0},"name":"UnitedHealthCare Health Insurance","link":"https://www.benzinga.com/go/unitedhealthcare-health-insurance","rating":4.5,"review":"https://www.benzinga.com/money/unitedhealthcare-health-insurance-review","insurance_types_of_plans":"","hide_securely_through":true,"trust":"","current_promotion":null,"disclosure":"","button_text":"get started","product_badge_image":false,"go_link_id":170777,"company_id":36290,"company_name":"UnitedHealthCare","tune_offer_id":null,"go_link_dofollow":0,"details":{"desc":"\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eUnitedHealthcare is an insurance company that is dedicated to making the health care system work better for everyone. Its plans can serve customers of all ages, starting in childhood and continuing all the way through the retirement years. The company partners with more than 1.3 million health care professionals and over 6,500 hospitals to give customers the freedom to access healthcare wherever they are. This insurance provider has a strong financial standing and good ratings, making it a reliable option for just about anybody.\u003c/span\u003e\u003c/p\u003e\n","pros":["Offers a wide variety of plans","Strong financial and customer service ratings","ACA and non ACA plans available"],"cons":["Not all plans ACA-compliant","The website can make it difficult to get a quote"],"best_for":["People who want flexibility in their health care coverage","People who want supplemental insurance coverage","People who qualify for both Medicare and Medicaid"],"custom_sec":[]},"phone":"8663812546","data":{}}],"deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eAs one of the largest health insurance providers in the United States, \u003ca href=\"https://www.benzinga.com/go/unitedhealthcare-health-insurance\" data-lasso-id=\"131087\"\u003eUnitedHealthcare\u003c/a\u003e is available in nearly every ZIP code.\u0026nbsp;\u003c/p\u003e\n","html":"As one of the largest health insurance providers in the United States, \u003ca href=\"https://www.benzinga.com/go/unitedhealthcare-health-insurance\" data-lasso-id=\"131087\"\u003eUnitedHealthcare\u003c/a\u003e is available in nearly every ZIP code.\u0026nbsp;","tag":"p","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eUnitedHealthcare offers a wide variety of insurance options from supplemental plans for\u003ca href=\"https://www.benzinga.com/money/best-student-health-insurance/\" data-lasso-id=\"131088\"\u003e students\u003c/a\u003e to fully-compliant Affordable Care Act (ACA) plans for \u003ca href=\"https://www.benzinga.com/money/best-individual-health-insurance/\" data-lasso-id=\"131089\"\u003eindividuals\u003c/a\u003e and families. UnitedHealthcare has a variety of metal tiers and varying plan options to help you balance your costs and coverage.\u003c/p\u003e\n","html":"UnitedHealthcare offers a wide variety of insurance options from supplemental plans for\u003ca href=\"https://www.benzinga.com/money/best-student-health-insurance/\" data-lasso-id=\"131088\"\u003e students\u003c/a\u003e to fully-compliant Affordable Care Act (ACA) plans for \u003ca href=\"https://www.benzinga.com/money/best-individual-health-insurance/\" data-lasso-id=\"131089\"\u003eindividuals\u003c/a\u003e and families. UnitedHealthcare has a variety of metal tiers and varying plan options to help you balance your costs and coverage.","tag":"p","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003ePrefer to handle your insurance online? UnitedHealthcare also provides one of the best online health portals with virtual consultations at no additional cost. You can also schedule doctor appointments, view your claims and manage your policy all from your MyUHC account.\u0026nbsp;\u0026nbsp;\u003c/p\u003e\n","html":"Prefer to handle your insurance online? UnitedHealthcare also provides one of the best online health portals with virtual consultations at no additional cost. You can also schedule doctor appointments, view your claims and manage your policy all from your MyUHC account.\u0026nbsp;\u0026nbsp;","tag":"p","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/columns","attrs":{"data":[]},"innerBlocks":[{"blockName":"core/column","attrs":[],"innerBlocks":[{"blockName":"core/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cp\u003e\u003cstrong\u003ePros\u003c/strong\u003e\u003c/p\u003e\n","innerContent":["\n\u003cp\u003e\u003cstrong\u003ePros\u003c/strong\u003e\u003c/p\u003e\n"],"type":"default"},{"blockName":"core/list","attrs":[],"innerBlocks":[{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eMassive nationwide provider network\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eMassive nationwide provider network\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eOptional supplemental add-ons to extend the coverage to what you need\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eOptional supplemental add-ons to extend the coverage to what you need\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eOptions for dental, vision, accident and critical illness coverage\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eOptions for dental, vision, accident and critical illness coverage\u003c/li\u003e\n"]}],"innerHTML":"\u003cul\u003e\u003cli\u003eMassive nationwide provider network\u003c/li\u003e\u003cli\u003eOptional supplemental add-ons to extend the coverage to what you need\u003c/li\u003e\u003cli\u003eOptions for dental, vision, accident and critical illness coverage\u003c/li\u003e\u003c/ul\u003e","innerContent":["\n\u003cul\u003e",null,"\n\n",null,"\n\n",null,"\u003c/ul\u003e\n"],"tag":"ul","html":"\u003cli\u003eMassive nationwide provider network\u003c/li\u003e\u003cli\u003eOptional supplemental add-ons to extend the coverage to what you need\u003c/li\u003e\u003cli\u003eOptions for dental, vision, accident and critical illness coverage\u003c/li\u003e","type":"default"}],"innerHTML":"\n\u003cdiv class=\"wp-block-column\"\u003e\n\n\u003c/div\u003e\n","innerContent":["\n\u003cdiv class=\"wp-block-column\"\u003e",null,"\n\n",null,"\u003c/div\u003e\n"]},{"blockName":"core/column","attrs":[],"innerBlocks":[{"blockName":"core/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cp\u003e\u003cstrong\u003eCons\u003c/strong\u003e\u003c/p\u003e\n","innerContent":["\n\u003cp\u003e\u003cstrong\u003eCons\u003c/strong\u003e\u003c/p\u003e\n"],"type":"default"},{"blockName":"core/list","attrs":[],"innerBlocks":[{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003ePlans are more expensive\u003c/li\u003e\n","innerContent":["\n\u003cli\u003ePlans are more expensive\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eFewer tiered options compared to other providers (no platinum option)\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eFewer tiered options compared to other providers (no platinum option)\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eOnly available in 22 states\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eOnly available in 22 states\u003c/li\u003e\n"]}],"innerHTML":"\u003cul\u003e\u003cli\u003ePlans are more expensive\u003c/li\u003e\u003cli\u003eFewer tiered options compared to other providers (no platinum option)\u003c/li\u003e\u003cli\u003eOnly available in 22 states\u003c/li\u003e\u003c/ul\u003e","innerContent":["\n\u003cul\u003e",null,"\n\n",null,"\n\n",null,"\u003c/ul\u003e\n"],"tag":"ul","html":"\u003cli\u003ePlans are more expensive\u003c/li\u003e\u003cli\u003eFewer tiered options compared to other providers (no platinum option)\u003c/li\u003e\u003cli\u003eOnly available in 22 states\u003c/li\u003e","type":"default"}],"innerHTML":"\n\u003cdiv class=\"wp-block-column\"\u003e\n\n\u003c/div\u003e\n","innerContent":["\n\u003cdiv class=\"wp-block-column\"\u003e",null,"\n\n",null,"\u003c/div\u003e\n"]}],"innerHTML":"\n\u003cdiv class=\"wp-block-columns\"\u003e\n\n\u003c/div\u003e\n","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/heading","attrs":{"level":3,"data":[]},"innerBlocks":[],"innerHTML":"\n\u003ch3 id=\"humana-best-for-senior-citizens\"\u003e9. Best for PPO Plans: Humana\u003c/h3\u003e\n","tag":"h3","id":"9-best-for-p-p-o-plans-humana","html":"9. Best for PPO Plans: Humana","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"acf/compare-products","attrs":{"name":"acf/compare-products","data":{"compare_products":[50095],"style":"","show_product_names":false,"opened":false},"align":"","mode":"edit"},"innerBlocks":[],"innerHTML":"","products":[{"id":50095,"image":"https://cdnwp-s3.benzinga.com/wp-content/uploads/2019/05/01185758/humana-logo-768x192.png","square_image":null,"best_for":"PPO plans","teaser":"","filters":{"online_application?":0},"name":"Humana Health Insurance","link":"https://www.benzinga.com/go/humana-health-insurance","rating":4,"review":"https://www.benzinga.com/money/humana-health-insurance-review","insurance_types_of_plans":"","hide_securely_through":true,"trust":"","current_promotion":null,"disclosure":"","button_text":"get started","product_badge_image":false,"go_link_id":172903,"company_id":50094,"company_name":"Humana Review","tune_offer_id":null,"go_link_dofollow":0,"details":{"desc":"\u003cp\u003e\u003cspan style=\"font-weight: 400;\"\u003eIt isn\u0026#8217;t easy to choose a \u003c/span\u003e\u003ca href=\"https://www.benzinga.com/money/what-is-health-insurance-a-comprehensive-guide/\"\u003e\u003cb\u003ehealth insurance\u003c/b\u003e\u003c/a\u003e \u003cspan style=\"font-weight: 400;\"\u003ecompany. You want to ensure you select the best carrier that will offer you the ultimate protection and has an excellent reputation within the industry. With annual revenue in the billions, Louisville, Kentucky-based Humana Health Insurance Co. is one of the largest health insurance carriers in the U.S. and offers coverage for millions of people. Humana is available in all 50 states and sells individual insurance, Medicare plans and group health insurance plans to businesses.\u003c/span\u003e\u003c/p\u003e\n","pros":["Partnerships with Walgreens and Walmart to bring you expanded prescription drug coverage","Rewards for healthy habits","Large provider network"],"cons":["HMO plans only available in 22 of 50 states","No short-term plans offered","Costlier plan required if you need international coverage"],"best_for":["People ages 65 and older and looking to enroll in Medicare","Extras such as dental and vision coverage","Free fitness program","A business of any size"],"custom_sec":[]},"phone":"","data":{}}],"deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eAre you a senior citizen? If so, you’ll typically have access to\u003ca href=\"https://www.benzinga.com/money/best-free-health-insurance/\" data-lasso-id=\"131090\"\u003e free\u003c/a\u003e or low-cost Medicare issued through the federal government. You might also want to choose a Medicare Advantage plan from a\u003ca href=\"https://www.benzinga.com/money/private-health-insurance/\" data-lasso-id=\"131091\"\u003e private\u003c/a\u003e company because Original Medicare doesn’t cover everything.\u003c/p\u003e\n","html":"Are you a senior citizen? If so, you’ll typically have access to\u003ca href=\"https://www.benzinga.com/money/best-free-health-insurance/\" data-lasso-id=\"131090\"\u003e free\u003c/a\u003e or low-cost Medicare issued through the federal government. You might also want to choose a Medicare Advantage plan from a\u003ca href=\"https://www.benzinga.com/money/private-health-insurance/\" data-lasso-id=\"131091\"\u003e private\u003c/a\u003e company because Original Medicare doesn’t cover everything.","tag":"p","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003e\u003ca href=\"https://www.benzinga.com/go/humana-health-insurance\" data-lasso-id=\"131092\"\u003eHumana\u003c/a\u003e specializes in offering exceptionally affordable Medicare Advantage plans intended to offer more coverage than Original Medicare. Many of Humana’s options offer $0 monthly premiums, and most plans also include $0 deductibles. You can even supplement your Medicare Advantage plan with a comprehensive prescription drug plan for as little as $13 per month. If you’re close to age 65 and think a Medicare Advantage plan might suit your needs, consider a plan from Humana.\u0026nbsp;\u003c/p\u003e\n","html":"\u003ca href=\"https://www.benzinga.com/go/humana-health-insurance\" data-lasso-id=\"131092\"\u003eHumana\u003c/a\u003e specializes in offering exceptionally affordable Medicare Advantage plans intended to offer more coverage than Original Medicare. Many of Humana’s options offer $0 monthly premiums, and most plans also include $0 deductibles. You can even supplement your Medicare Advantage plan with a comprehensive prescription drug plan for as little as $13 per month. If you’re close to age 65 and think a Medicare Advantage plan might suit your needs, consider a plan from Humana.\u0026nbsp;","tag":"p","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/columns","attrs":{"data":[]},"innerBlocks":[{"blockName":"core/column","attrs":[],"innerBlocks":[{"blockName":"core/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cp\u003e\u003cstrong\u003ePros\u003c/strong\u003e\u003c/p\u003e\n","innerContent":["\n\u003cp\u003e\u003cstrong\u003ePros\u003c/strong\u003e\u003c/p\u003e\n"],"type":"default"},{"blockName":"core/list","attrs":[],"innerBlocks":[{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003ePartnerships with Walgreens and Walmart to bring you expanded prescription drug coverage\u003c/li\u003e\n","innerContent":["\n\u003cli\u003ePartnerships with Walgreens and Walmart to bring you expanded prescription drug coverage\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eRewards for healthy habits\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eRewards for healthy habits\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eLarge provider network\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eLarge provider network\u003c/li\u003e\n"]}],"innerHTML":"\u003cul\u003e\u003cli\u003ePartnerships with Walgreens and Walmart to bring you expanded prescription drug coverage\u003c/li\u003e\u003cli\u003eRewards for healthy habits\u003c/li\u003e\u003cli\u003eLarge provider network\u003c/li\u003e\u003c/ul\u003e","innerContent":["\n\u003cul\u003e",null,"\n\n",null,"\n\n",null,"\u003c/ul\u003e\n"],"tag":"ul","html":"\u003cli\u003ePartnerships with Walgreens and Walmart to bring you expanded prescription drug coverage\u003c/li\u003e\u003cli\u003eRewards for healthy habits\u003c/li\u003e\u003cli\u003eLarge provider network\u003c/li\u003e","type":"default"}],"innerHTML":"\n\u003cdiv class=\"wp-block-column\"\u003e\n\n\u003c/div\u003e\n","innerContent":["\n\u003cdiv class=\"wp-block-column\"\u003e",null,"\n\n",null,"\u003c/div\u003e\n"]},{"blockName":"core/column","attrs":[],"innerBlocks":[{"blockName":"core/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cp\u003e\u003cstrong\u003eCons\u003c/strong\u003e\u003c/p\u003e\n","innerContent":["\n\u003cp\u003e\u003cstrong\u003eCons\u003c/strong\u003e\u003c/p\u003e\n"],"type":"default"},{"blockName":"core/list","attrs":[],"innerBlocks":[{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eHMO plans only available in 22 of 50 states\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eHMO plans only available in 22 of 50 states\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eNo short-term plans offered\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eNo short-term plans offered\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eCostlier plan required if you need international coverage\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eCostlier plan required if you need international coverage\u003c/li\u003e\n"]}],"innerHTML":"\u003cul\u003e\u003cli\u003eHMO plans only available in 22 of 50 states\u003c/li\u003e\u003cli\u003eNo short-term plans offered\u003c/li\u003e\u003cli\u003eCostlier plan required if you need international coverage\u003c/li\u003e\u003c/ul\u003e","innerContent":["\n\u003cul\u003e",null,"\n\n",null,"\n\n",null,"\u003c/ul\u003e\n"],"tag":"ul","html":"\u003cli\u003eHMO plans only available in 22 of 50 states\u003c/li\u003e\u003cli\u003eNo short-term plans offered\u003c/li\u003e\u003cli\u003eCostlier plan required if you need international coverage\u003c/li\u003e","type":"default"}],"innerHTML":"\n\u003cdiv class=\"wp-block-column\"\u003e\n\n\u003c/div\u003e\n","innerContent":["\n\u003cdiv class=\"wp-block-column\"\u003e",null,"\n\n",null,"\u003c/div\u003e\n"]}],"innerHTML":"\n\u003cdiv class=\"wp-block-columns\"\u003e\n\n\u003c/div\u003e\n","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/heading","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003ch2 id=\"open-enrollment-for-2022-marketplace-coverage\"\u003eOpen Enrollment Marketplace Coverage\u003c/h2\u003e\n","tag":"h2","id":"open-enrollment-marketplace-coverage","html":"Open Enrollment Marketplace Coverage","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eYou can enroll in a health insurance plan for the year during the Affordable Care Act (ACA) Open Enrollment period. For plans:\u003c/p\u003e\n","html":"You can enroll in a health insurance plan for the year during the Affordable Care Act (ACA) Open Enrollment period. For plans:","tag":"p","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/list","attrs":{"data":[]},"innerBlocks":[{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eOpen Enrollment begins on November 1.\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eOpen Enrollment begins on November 1.\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eYou must enroll in a plan by December 15.\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eYou must enroll in a plan by December 15.\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eIf you enroll in a plan by December 15, your coverage will begin on January 1.\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eIf you enroll in a plan by December 15, your coverage will begin on January 1.\u003c/li\u003e\n"]}],"innerHTML":"\u003cul\u003e\u003cli\u003eOpen Enrollment begins on November 1.\u003c/li\u003e\u003cli\u003eYou must enroll in a plan by December 15.\u003c/li\u003e\u003cli\u003eIf you enroll in a plan by December 15, your coverage will begin on January 1.\u003c/li\u003e\u003c/ul\u003e","tag":"ul","html":"\u003cli\u003eOpen Enrollment begins on November 1.\u003c/li\u003e\u003cli\u003eYou must enroll in a plan by December 15.\u003c/li\u003e\u003cli\u003eIf you enroll in a plan by December 15, your coverage will begin on January 1.\u003c/li\u003e","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eIf you miss Open Enrollment, you may be able to sign up for an ACA-compliant plan if you qualify for a\u003ca href=\"https://www.healthcare.gov/screener/#/\" data-lasso-id=\"131093\"\u003e Special Enrollment Period\u003c/a\u003e.\u0026nbsp;\u0026nbsp;\u003c/p\u003e\n","html":"If you miss Open Enrollment, you may be able to sign up for an ACA-compliant plan if you qualify for a\u003ca href=\"https://www.healthcare.gov/screener/#/\" data-lasso-id=\"131093\"\u003e Special Enrollment Period\u003c/a\u003e.\u0026nbsp;\u0026nbsp;","tag":"p","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/heading","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003ch2 id=\"how-to-pick-the-best-health-insurance-plan\"\u003eHow to Pick the Best Health Insurance Plan\u003c/h2\u003e\n","tag":"h2","id":"how-to-pick-the-best-health-insurance-plan","html":"How to Pick the Best Health Insurance Plan","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eThe best health insurance plan for you will vary depending on your individual health needs. The following are some of the factors that you might want to consider when you compare health insurance plan options.\u003c/p\u003e\n","html":"The best health insurance plan for you will vary depending on your individual health needs. The following are some of the factors that you might want to consider when you compare health insurance plan options.","tag":"p","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/heading","attrs":{"level":3,"data":[]},"innerBlocks":[],"innerHTML":"\n\u003ch3\u003ePremiums\u003c/h3\u003e\n","tag":"h3","id":"premiums","html":"Premiums","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eThe first cost-related factor that you’ll want to consider when you shop for health insurance plans is each plan’s premium. Your health insurance premium is a monthly payment that you’ll make to keep your insurance current. Be sure to choose a plan with a premium that you can afford each month.\u003c/p\u003e\n","html":"The first cost-related factor that you’ll want to consider when you shop for health insurance plans is each plan’s premium. Your health insurance premium is a monthly payment that you’ll make to keep your insurance current. Be sure to choose a plan with a premium that you can afford each month.","tag":"p","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/heading","attrs":{"level":3,"data":[]},"innerBlocks":[],"innerHTML":"\n\u003ch3\u003eDeductible\u003c/h3\u003e\n","tag":"h3","id":"deductible","html":"Deductible","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eYour health insurance plan’s deductible is the amount of money that you need to contribute toward your healthcare costs before your plan “kicks in” and starts paying for your care. Balance your deductible and your premium expenses to find a plan that fits your budget. You also need to know what goes towards your deductible and what does not. At times, certain items do not go towards your deductible at all and are still covered. Other items go exclusively towards your deductible. Understanding these differences will help you better understand which plan is right for you. Moreover, you may want to consider a HDHP or High Deductible Health Plan if you feel you will never meet the deductible. \u003c/p\u003e\n","html":"Your health insurance plan’s deductible is the amount of money that you need to contribute toward your healthcare costs before your plan “kicks in” and starts paying for your care. Balance your deductible and your premium expenses to find a plan that fits your budget. You also need to know what goes towards your deductible and what does not. At times, certain items do not go towards your deductible at all and are still covered. Other items go exclusively towards your deductible. Understanding these differences will help you better understand which plan is right for you. Moreover, you may want to consider a HDHP or High Deductible Health Plan if you feel you will never meet the deductible. ","tag":"p","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/heading","attrs":{"level":3,"data":[]},"innerBlocks":[],"innerHTML":"\n\u003ch3\u003eBenefits\u003c/h3\u003e\n","tag":"h3","id":"benefits","html":"Benefits","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eDuring Open Enrollment, you have the opportunity to sign onto an ACA-compliant health insurance plan. Under the ACA, these plans must provide you with at least coverage for the\u003ca href=\"https://www.healthcare.gov/glossary/essential-health-benefits/\" data-lasso-id=\"131094\"\u003e 10 essential health benefits\u003c/a\u003e. Keep in mind that short-term health insurance plan providers are not obligated to offer these benefits.\u003c/p\u003e\n","html":"During Open Enrollment, you have the opportunity to sign onto an ACA-compliant health insurance plan. Under the ACA, these plans must provide you with at least coverage for the\u003ca href=\"https://www.healthcare.gov/glossary/essential-health-benefits/\" data-lasso-id=\"131094\"\u003e 10 essential health benefits\u003c/a\u003e. Keep in mind that short-term health insurance plan providers are not obligated to offer these benefits.","tag":"p","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"acf/stand-out-card","attrs":{"name":"acf/stand-out-card","data":{"title":"Key Points","description":"\u003cp\u003e1. If you don’t have health insurance through your place of employment, you can sign up for a plan during the ACA Open Enrollment period.\u003c/p\u003e\n\u003cp\u003e2. Open Enrollment begins on November 1. Coverage begins on January 1.\u003c/p\u003e\n\u003cp\u003e3. If you miss Open Enrollment, you may want to consider filling in the gap with a short-term health insurance plan.\u003c/p\u003e\n\u003cp\u003e4. Health insurance plan availability will vary by state, based on state laws and regulations. Remember, each state is different, and your state may be more expensive than others.\u003c/p\u003e\n\u003cp\u003e5. Compare expenses like premiums, deductibles and out-of-pocket maximums when comparing plan choices.\u003c/p\u003e\n\u003cul id=\"block-6be62a93-a036-4e99-81d4-1135d5cda776\" class=\"block-editor-rich-text__editable block-editor-block-list__block wp-block is-selected rich-text\" tabindex=\"0\" role=\"group\" contenteditable=\"true\" aria-multiline=\"true\" aria-label=\"Block: List\" data-block=\"6be62a93-a036-4e99-81d4-1135d5cda776\" data-type=\"core/list\" data-title=\"List\"\u003e\u003c/ul\u003e\n"},"align":"","mode":"edit"},"innerBlocks":[],"innerHTML":"","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/heading","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003ch2 id=\"things-to-consider-in-your-search\"\u003eThings to Consider in Your Health Insurance Search \u003c/h2\u003e\n","tag":"h2","id":"things-to-consider-in-your-health-insurance-search","html":"Things to Consider in Your Health Insurance Search ","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eAdditionally, here is what you should consider when comparing health insurance plans:\u003c/p\u003e\n","html":"Additionally, here is what you should consider when comparing health insurance plans:","tag":"p","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/heading","attrs":{"level":3,"data":[]},"innerBlocks":[],"innerHTML":"\n\u003ch3\u003e1. Where are You Eligible to Get Insurance From? \u003c/h3\u003e\n","tag":"h3","id":"1-where-are-you-eligible-to-get-insurance-from","html":"1. Where are You Eligible to Get Insurance From? ","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eAre you eligible for health insurance from your employer, through the American Affordable Care Act Marketplace or a private insurer? If all 3, which offers the best coverage at the best deal?\u003c/p\u003e\n","html":"Are you eligible for health insurance from your employer, through the American Affordable Care Act Marketplace or a private insurer? If all 3, which offers the best coverage at the best deal?","tag":"p","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/heading","attrs":{"level":3,"data":[]},"innerBlocks":[],"innerHTML":"\n\u003ch3\u003e2. Is There an Open Enrollment Period?\u003c/h3\u003e\n","tag":"h3","id":"2-is-there-an-open-enrollment-period","html":"2. Is There an Open Enrollment Period?","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eAsk yourself if there is an o-pen enrollment period happening right now for either an employer or government sponsored plan. If not, do you need \u003ca href=\"https://www.benzinga.com/money/best-short-term-health-insurance/\" data-lasso-id=\"131095\"\u003eshort term health insurance\u003c/a\u003e?\u003c/p\u003e\n","html":"Ask yourself if there is an o-pen enrollment period happening right now for either an employer or government sponsored plan. If not, do you need \u003ca href=\"https://www.benzinga.com/money/best-short-term-health-insurance/\" data-lasso-id=\"131095\"\u003eshort term health insurance\u003c/a\u003e?","tag":"p","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/heading","attrs":{"level":3,"data":[]},"innerBlocks":[],"innerHTML":"\n\u003ch3\u003e3. How Much Coverage Do You Need and What Type of Coverage is Most important? \u003c/h3\u003e\n","tag":"h3","id":"3-how-much-coverage-do-you-need-and-what-type-of-coverage-is-most-important","html":"3. How Much Coverage Do You Need and What Type of Coverage is Most important? ","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eThis is especially important to consider if you're in poor health now and will need robust insurance to cover medical expenses. This means comparing premiums, deductibles, coverage and annual maximums.\u003c/p\u003e\n","html":"This is especially important to consider if you're in poor health now and will need robust insurance to cover medical expenses. This means comparing premiums, deductibles, coverage and annual maximums.","tag":"p","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/heading","attrs":{"level":3,"data":[]},"innerBlocks":[],"innerHTML":"\n\u003ch3\u003e4. What Premium Price are You Comfortable Paying Each Month? \u003c/h3\u003e\n","tag":"h3","id":"4-what-premium-price-are-you-comfortable-paying-each-month","html":"4. What Premium Price are You Comfortable Paying Each Month? ","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eYour premium is your monthly bill for health insurance coverage.\u003c/p\u003e\n","html":"Your premium is your monthly bill for health insurance coverage.","tag":"p","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/heading","attrs":{"level":3,"data":[]},"innerBlocks":[],"innerHTML":"\n\u003ch3\u003e5. What Deductible Level are You Comfortable at? \u003c/h3\u003e\n","tag":"h3","id":"5-what-deductible-level-are-you-comfortable-at","html":"5. What Deductible Level are You Comfortable at? ","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eYour deductible is usually the out-of-pocket amount you're required to pay before your coverage kicks in. Plans with lower premiums often have higher deductibles, and vice versa.\u003c/p\u003e\n","html":"Your deductible is usually the out-of-pocket amount you're required to pay before your coverage kicks in. Plans with lower premiums often have higher deductibles, and vice versa.","tag":"p","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/heading","attrs":{"level":3,"data":[]},"innerBlocks":[],"innerHTML":"\n\u003ch3\u003e6. Do You Need a High Annual Maximum? \u003c/h3\u003e\n","tag":"h3","id":"6-do-you-need-a-high-annual-maximum","html":"6. Do You Need a High Annual Maximum? ","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eThis is especially important if you'll need a lot of help from your insurance company to cover medical expenses in the upcoming year. If a plan has a low annual cap on coverage, you may find yourself paying way more out-of-pocket than you can afford. \u003c/p\u003e\n","html":"This is especially important if you'll need a lot of help from your insurance company to cover medical expenses in the upcoming year. If a plan has a low annual cap on coverage, you may find yourself paying way more out-of-pocket than you can afford. ","tag":"p","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/heading","attrs":{"level":3,"data":[]},"innerBlocks":[],"innerHTML":"\n\u003ch3\u003e7. Does a Plan Cover Your Needs? \u003c/h3\u003e\n","tag":"h3","id":"7-does-a-plan-cover-your-needs","html":"7. Does a Plan Cover Your Needs? ","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eIf you only need basic preventative or just-in-case-coverage, are you paying a low enough premium to justify coverage you don't use that much? How is the prescription drug coverage? What is the co-pay model? How is the emergency and surgical coverage if you anticipate needing these services?\u003c/p\u003e\n","html":"If you only need basic preventative or just-in-case-coverage, are you paying a low enough premium to justify coverage you don't use that much? How is the prescription drug coverage? What is the co-pay model? How is the emergency and surgical coverage if you anticipate needing these services?","tag":"p","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/heading","attrs":{"level":3,"data":[]},"innerBlocks":[],"innerHTML":"\n\u003ch3\u003e8. Do You Have Provider Network Requirements? \u003c/h3\u003e\n","tag":"h3","id":"8-do-you-have-provider-network-requirements","html":"8. Do You Have Provider Network Requirements? ","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eSome providers only work with certain health insurance networks. If you have a doctor you want to keep, or a certain specialist you need to see, you'll want to look at if those providers work with an insurance plan before you sign up for it. Also, it's worth knowing if an insurance provider requires referrals for specialists before you choose a plan.\u003c/p\u003e\n","html":"Some providers only work with certain health insurance networks. If you have a doctor you want to keep, or a certain specialist you need to see, you'll want to look at if those providers work with an insurance plan before you sign up for it. Also, it's worth knowing if an insurance provider requires referrals for specialists before you choose a plan.","tag":"p","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/heading","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003ch2 id=\"the-average-cost-of-health-insurance\"\u003eThe Average Cost of Health Insurance\u003c/h2\u003e\n","tag":"h2","id":"the-average-cost-of-health-insurance","html":"The Average Cost of Health Insurance","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eThe price you’ll pay for health insurance will vary depending on your age. As you get older, your medical care costs typically increase and you’ll pay more for insurance.\u0026nbsp;\u003c/p\u003e\n","html":"The price you’ll pay for health insurance will vary depending on your age. As you get older, your medical care costs typically increase and you’ll pay more for insurance.\u0026nbsp;","tag":"p","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eThe average monthly premium for health insurance for an individual falls into these average ranges:\u003c/p\u003e\n","html":"The average monthly premium for health insurance for an individual falls into these average ranges:","tag":"p","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/table","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cfigure class=\"wp-block-table\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003cth\u003e\u003cstrong\u003eAge\u003c/strong\u003e\u003c/th\u003e\u003cth\u003e\u003cstrong\u003eMonthly Premium\u003c/strong\u003e\u003c/th\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eUnder 18\u003c/td\u003e\u003ctd\u003e$382\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e18 to 24\u003c/td\u003e\u003ctd\u003e$445\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e25 to 34\u003c/td\u003e\u003ctd\u003e$511\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e35 to 44\u003c/td\u003e\u003ctd\u003e$587\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e45 to 54\u003c/td\u003e\u003ctd\u003e$805\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e55 to 64\u003c/td\u003e\u003ctd\u003e$1,211\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n","tag":"table","html":"\u003ctbody\u003e\u003ctr\u003e\u003cth\u003e\u003cstrong\u003eAge\u003c/strong\u003e\u003c/th\u003e\u003cth\u003e\u003cstrong\u003eMonthly Premium\u003c/strong\u003e\u003c/th\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eUnder 18\u003c/td\u003e\u003ctd\u003e$382\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e18 to 24\u003c/td\u003e\u003ctd\u003e$445\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e25 to 34\u003c/td\u003e\u003ctd\u003e$511\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e35 to 44\u003c/td\u003e\u003ctd\u003e$587\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e45 to 54\u003c/td\u003e\u003ctd\u003e$805\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003e55 to 64\u003c/td\u003e\u003ctd\u003e$1,211\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/heading","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003ch2 id=\"what-does-health-insurance-typically-cover\"\u003eWhat Does Health Insurance Typically Cover?\u003c/h2\u003e\n","tag":"h2","id":"what-does-health-insurance-typically-cover","html":"What Does Health Insurance Typically Cover?","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eLong-term health insurance plans are legally required to offer some form of coverage for the 10 essential benefits laid out by the ACA. No matter which ACA Marketplace plan you purchase, you’ll have coverage for at least the following:\u003c/p\u003e\n","html":"Long-term health insurance plans are legally required to offer some form of coverage for the 10 essential benefits laid out by the ACA. No matter which ACA Marketplace plan you purchase, you’ll have coverage for at least the following:","tag":"p","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/list","attrs":{"data":[]},"innerBlocks":[{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eAmbulatory patient services, including care that you receive without being admitted to the hospital\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eAmbulatory patient services, including care that you receive without being admitted to the hospital\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eEmergency services at any hospital, regardless of whether the hospital is in your network\u0026nbsp;\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eEmergency services at any hospital, regardless of whether the hospital is in your network\u0026nbsp;\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eHospitalization, including planned surgeries and overnight stays\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eHospitalization, including planned surgeries and overnight stays\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003ePrescription drugs\u003c/li\u003e\n","innerContent":["\n\u003cli\u003ePrescription drugs\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eTreatment for mental health and substance abuse disorders, including both inpatient and outpatient treatments and therapies\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eTreatment for mental health and substance abuse disorders, including both inpatient and outpatient treatments and therapies\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003ePregnancy, maternity and newborn care, including breastfeeding support\u003c/li\u003e\n","innerContent":["\n\u003cli\u003ePregnancy, maternity and newborn care, including breastfeeding support\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eRehabilitative and habilitative services and treatments required to regain physical or cognitive abilities after you’re injured or to treat a chronic condition\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eRehabilitative and habilitative services and treatments required to regain physical or cognitive abilities after you’re injured or to treat a chronic condition\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003ePreventive and wellness services, including vaccinations and routine physicals\u003c/li\u003e\n","innerContent":["\n\u003cli\u003ePreventive and wellness services, including vaccinations and routine physicals\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003eLab work and blood tests\u003c/li\u003e\n","innerContent":["\n\u003cli\u003eLab work and blood tests\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003ePediatric services for \u003ca href=\"https://www.benzinga.com/money/best-health-insurance-kids/\" data-lasso-id=\"131096\"\u003ekids\u003c/a\u003e for all of the above-listed services, plus dental and vision services\u003c/li\u003e\n","innerContent":["\n\u003cli\u003ePediatric services for \u003ca href=\"https://www.benzinga.com/money/best-health-insurance-kids/\" data-lasso-id=\"131096\"\u003ekids\u003c/a\u003e for all of the above-listed services, plus dental and vision services\u003c/li\u003e\n"]}],"innerHTML":"\u003cul\u003e\u003cli\u003eAmbulatory patient services, including care that you receive without being admitted to the hospital\u003c/li\u003e\u003cli\u003eEmergency services at any hospital, regardless of whether the hospital is in your network\u0026nbsp;\u003c/li\u003e\u003cli\u003eHospitalization, including planned surgeries and overnight stays\u003c/li\u003e\u003cli\u003ePrescription drugs\u003c/li\u003e\u003cli\u003eTreatment for mental health and substance abuse disorders, including both inpatient and outpatient treatments and therapies\u003c/li\u003e\u003cli\u003ePregnancy, maternity and newborn care, including breastfeeding support\u003c/li\u003e\u003cli\u003eRehabilitative and habilitative services and treatments required to regain physical or cognitive abilities after you’re injured or to treat a chronic condition\u003c/li\u003e\u003cli\u003ePreventive and wellness services, including vaccinations and routine physicals\u003c/li\u003e\u003cli\u003eLab work and blood tests\u003c/li\u003e\u003cli\u003ePediatric services for \u003ca href=\"https://www.benzinga.com/money/best-health-insurance-kids/\" data-lasso-id=\"131096\"\u003ekids\u003c/a\u003e for all of the above-listed services, plus dental and vision services\u003c/li\u003e\u003c/ul\u003e","tag":"ul","html":"\u003cli\u003eAmbulatory patient services, including care that you receive without being admitted to the hospital\u003c/li\u003e\u003cli\u003eEmergency services at any hospital, regardless of whether the hospital is in your network\u0026nbsp;\u003c/li\u003e\u003cli\u003eHospitalization, including planned surgeries and overnight stays\u003c/li\u003e\u003cli\u003ePrescription drugs\u003c/li\u003e\u003cli\u003eTreatment for mental health and substance abuse disorders, including both inpatient and outpatient treatments and therapies\u003c/li\u003e\u003cli\u003ePregnancy, maternity and newborn care, including breastfeeding support\u003c/li\u003e\u003cli\u003eRehabilitative and habilitative services and treatments required to regain physical or cognitive abilities after you’re injured or to treat a chronic condition\u003c/li\u003e\u003cli\u003ePreventive and wellness services, including vaccinations and routine physicals\u003c/li\u003e\u003cli\u003eLab work and blood tests\u003c/li\u003e\u003cli\u003ePediatric services for \u003ca href=\"https://www.benzinga.com/money/best-health-insurance-kids/\" data-lasso-id=\"131096\"\u003ekids\u003c/a\u003e for all of the above-listed services, plus dental and vision services\u003c/li\u003e","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eIf you’re a female, your insurance provider also needs to cover all forms of birth control approved by the FDA. This includes barrier methods, hormonal methods and emergency contraceptives. Your insurance may not extend to birth control if you get your health insurance through an employer registered as a church or religious nonprofit.\u003c/p\u003e\n","html":"If you’re a female, your insurance provider also needs to cover all forms of birth control approved by the FDA. This includes barrier methods, hormonal methods and emergency contraceptives. Your insurance may not extend to birth control if you get your health insurance through an employer registered as a church or religious nonprofit.","tag":"p","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eThese essential benefits only apply to long-term plans you purchase on the ACA Marketplace. If you buy a short term plan outside of the Marketplace, your insurance provider may pick and choose which services are covered. Almost every short term plan excludes coverage for prescription drugs and maternity care, and you can also be denied coverage for a preexisting condition. Before you enroll in a short term plan, be 100% sure you know what your plan covers.\u0026nbsp;\u0026nbsp;\u003c/p\u003e\n","html":"These essential benefits only apply to long-term plans you purchase on the ACA Marketplace. If you buy a short term plan outside of the Marketplace, your insurance provider may pick and choose which services are covered. Almost every short term plan excludes coverage for prescription drugs and maternity care, and you can also be denied coverage for a preexisting condition. Before you enroll in a short term plan, be 100% sure you know what your plan covers.\u0026nbsp;\u0026nbsp;","tag":"p","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/heading","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003ch2 id=\"what-does-health-insurance-not-cover\"\u003eWhat Does Health Insurance Not Cover?\u003c/h2\u003e\n","tag":"h2","id":"what-does-health-insurance-not-cover","html":"What Does Health Insurance Not Cover?","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/paragraph","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003cp\u003eEven the best ACA health insurance plan won’t cover everything. Let’s take a look at some common exclusions you might see on your health insurance policy:\u003c/p\u003e\n","html":"Even the best ACA health insurance plan won’t cover everything. Let’s take a look at some common exclusions you might see on your health insurance policy:","tag":"p","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/list","attrs":{"data":[]},"innerBlocks":[{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003e\u003cstrong\u003eCosmetic surgery: \u003c/strong\u003eNo insurance plan will cover elective or nonessential surgery.\u003c/li\u003e\n","innerContent":["\n\u003cli\u003e\u003cstrong\u003eCosmetic surgery: \u003c/strong\u003eNo insurance plan will cover elective or nonessential surgery.\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003e\u003cstrong\u003eDental and vision services for adults:\u003c/strong\u003e Under the ACA, your insurance provider only needs to cover dental and vision services for the children included in your plan. If you’d like to add these coverages for adults on your plan, you’ll typically be able to purchase an additional plan through your insurance company.\u003c/li\u003e\n","innerContent":["\n\u003cli\u003e\u003cstrong\u003eDental and vision services for adults:\u003c/strong\u003e Under the ACA, your insurance provider only needs to cover dental and vision services for the children included in your plan. If you’d like to add these coverages for adults on your plan, you’ll typically be able to purchase an additional plan through your insurance company.\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003e\u003cstrong\u003eWeight-loss surgery:\u003c/strong\u003e There is currently no federal requirement that compels insurance companies to cover bariatric surgery, even if it’s deemed medically necessary. However, a number of states have introduced their own requirements.\u003c/li\u003e\n","innerContent":["\n\u003cli\u003e\u003cstrong\u003eWeight-loss surgery:\u003c/strong\u003e There is currently no federal requirement that compels insurance companies to cover bariatric surgery, even if it’s deemed medically necessary. However, a number of states have introduced their own requirements.\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003e\u003cstrong\u003eNon-routine vaccinations: \u003c/strong\u003eYour insurance provider is only required to cover vaccinations and boosters considered routine by the CDC. If you need a nonroutine vaccine before travel (like yellow fever or hepatitis A vaccines), you’ll probably need to cover it out of pocket.\u003c/li\u003e\n","innerContent":["\n\u003cli\u003e\u003cstrong\u003eNon-routine vaccinations: \u003c/strong\u003eYour insurance provider is only required to cover vaccinations and boosters considered routine by the CDC. If you need a nonroutine vaccine before travel (like yellow fever or hepatitis A vaccines), you’ll probably need to cover it out of pocket.\u003c/li\u003e\n"]},{"blockName":"core/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n\u003cli\u003e\u003cstrong\u003eMale birth control: \u003c/strong\u003eThe \u003ca href=\"https://www.healthcare.gov/glossary/affordable-care-act/\" data-lasso-id=\"131097\"\u003eACA\u003c/a\u003e’s birth control requirement only extends to female contraceptives. Health insurance plans rarely cover male forms of birth control.\u003c/li\u003e\n","innerContent":["\n\u003cli\u003e\u003cstrong\u003eMale birth control: \u003c/strong\u003eThe \u003ca href=\"https://www.healthcare.gov/glossary/affordable-care-act/\" data-lasso-id=\"131097\"\u003eACA\u003c/a\u003e’s birth control requirement only extends to female contraceptives. Health insurance plans rarely cover male forms of birth control.\u003c/li\u003e\n"]}],"innerHTML":"\u003cul\u003e\u003cli\u003e\u003cstrong\u003eCosmetic surgery: \u003c/strong\u003eNo insurance plan will cover elective or nonessential surgery.\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eDental and vision services for adults:\u003c/strong\u003e Under the ACA, your insurance provider only needs to cover dental and vision services for the children included in your plan. 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If you need a nonroutine vaccine before travel (like yellow fever or hepatitis A vaccines), you’ll probably need to cover it out of pocket.\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eMale birth control: \u003c/strong\u003eThe \u003ca href=\"https://www.healthcare.gov/glossary/affordable-care-act/\" data-lasso-id=\"131097\"\u003eACA\u003c/a\u003e’s birth control requirement only extends to female contraceptives. Health insurance plans rarely cover male forms of birth control.\u003c/li\u003e\u003c/ul\u003e","tag":"ul","html":"\u003cli\u003e\u003cstrong\u003eCosmetic surgery: \u003c/strong\u003eNo insurance plan will cover elective or nonessential surgery.\u003c/li\u003e\u003cli\u003e\u003cstrong\u003eDental and vision services for adults:\u003c/strong\u003e Under the ACA, your insurance provider only needs to cover dental and vision services for the children included in your plan. 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Read your policy’s terms before you buy to make sure you have the benefits you need.\u0026nbsp;\u003c/p\u003e\n","html":"If you buy a short term plan, your list of excluded services will be much longer. 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You might be surprised at just how affordable it is to find a plan for your family.\u0026nbsp;","tag":"p","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"acf/cta-placeholder","attrs":{"name":"acf/cta-placeholder","data":{"cta_placeholder_type":"secondary","cta_data":null,"has_placements":true,"placeholder_type":"secondary","widget":null},"align":"","mode":"edit"},"innerBlocks":[],"innerHTML":"","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"core/heading","attrs":{"data":[]},"innerBlocks":[],"innerHTML":"\n\u003ch2 id=\"frequently-asked-questions\"\u003eFrequently Asked Questions\u003c/h2\u003e\n","tag":"h2","id":"frequently-asked-questions","html":"Frequently Asked Questions","deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"acf/faq","attrs":{"name":"acf/faq","data":{"questions":[{"question_text":"How much is health insurance a month for a single person?\r\n","answer_text":"\u003cp\u003eIn 2024, the average monthly health insurance premium is $477 for an individual on an ACA-compliant plan without premium tax credits.\u003c/p\u003e\n","answer_link":"https://www.benzinga.com/?post_type=post\u0026p=12559","author":"","created_at":"2024-07-02","style":"default"},{"question_text":" Is it better to go with a private health insurance company or a government-funded one?","answer_text":"\u003cp\u003eBoth private health insurance companies and government-funded health insurance programs have their own benefits. Private health insurance may offer more flexibility and additional coverage options, while government-funded plans may be more affordable for certain individuals. It\u0026#8217;s essential to evaluate your options and choose the one that suits you best.\u003c/p\u003e\n\u003cp\u003e\u003cbr data-mce-bogus=\"1\"\u003e\u003c/p\u003e\n","answer_link":"https://www.benzinga.com/?post_type=post\u0026p=12559","author":"","created_at":"2024-07-02","style":"default"},{"question_text":"What is the difference between HMO and PPO plans?\r\n\r\n","answer_text":"\u003cp\u003eHMO (Health Maintenance Organization) plans typically require you to choose a primary care physician and get referrals to see specialists. PPO (Preferred Provider Organization) plans offer more flexibility in choosing healthcare providers, but usually at a higher cost.\u003c/p\u003e\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\n","answer_link":"https://www.benzinga.com/?post_type=post\u0026p=12559","author":"","created_at":"2024-07-02","style":"default"}],"tailwind_layout":true},"align":"","mode":"edit"},"innerBlocks":[],"innerHTML":"","faq":[{"answer_link":"https://www.benzinga.com/?post_type=post\u0026p=12559","author":"","created_at":"2024-07-02","style":"default","question":"How much is health insurance a month for a single person?\r\n","answer":"\u003cp\u003eIn 2024, the average monthly health insurance premium is $477 for an individual on an ACA-compliant plan without premium tax credits.\u003c/p\u003e\n"},{"answer_link":"https://www.benzinga.com/?post_type=post\u0026p=12559","author":"","created_at":"2024-07-02","style":"default","question":" Is it better to go with a private health insurance company or a government-funded one?","answer":"\u003cp\u003eBoth private health insurance companies and government-funded health insurance programs have their own benefits. Private health insurance may offer more flexibility and additional coverage options, while government-funded plans may be more affordable for certain individuals. It\u0026#8217;s essential to evaluate your options and choose the one that suits you best.\u003c/p\u003e\n\u003cp\u003e\u003cbr data-mce-bogus=\"1\"\u003e\u003c/p\u003e\n"},{"answer_link":"https://www.benzinga.com/?post_type=post\u0026p=12559","author":"","created_at":"2024-07-02","style":"default","question":"What is the difference between HMO and PPO plans?\r\n\r\n","answer":"\u003cp\u003eHMO (Health Maintenance Organization) plans typically require you to choose a primary care physician and get referrals to see specialists. PPO (Preferred Provider Organization) plans offer more flexibility in choosing healthcare providers, but usually at a higher cost.\u003c/p\u003e\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\n"}],"deviceType":"mobile","userAgent":"Mozilla/5.0 (Linux; Android 7.0;) AppleWebKit/537.36 (KHTML, like Gecko) Mobile Safari/537.36 (compatible; PetalBot;+https://webmaster.petalsearch.com/site/petalbot)","type":"default"},{"blockName":"acf/poll","attrs":{"data":{"poll":{"id":8,"name":"Best Health Insurance Provider","data":{"vertical_id":193,"post_id":12559},"top":null,"results":[],"products":[{"id":51353,"name":"Absolute Total Care","slug":"absolute-total-care","image":null,"short_best_for":null,"overall_rating":"","product_type":null,"review_link":null,"affiliate_link":null},{"id":36666,"name":"Aetna Health Insurance","slug":"aetna-health-insurance","image":null,"short_best_for":"Member 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We winnowed the list by only including companies that have a wide coverage area and product offering. To further break down the list to the true best health insurance providers, we gave weight to carriers that offer discounts, are available in all states and have multiple payment plan options\u003c/em\u003e.\u003c/p\u003e\n","html":"\u003cem\u003eTo determine the best health insurance providers, we pored through all United States carriers. We winnowed the list by only including companies that have a wide coverage area and product offering. 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