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Five key tips to find an affordable health insurance

While finding an affordable health insurance plan, it’s quite possible that you get bombarded with so many options from various insurance providers that you get confused as to which plan to select. To make an informed decision without wasting any time, check out these useful tips that will help you pick an affordable health plan.

Check out Medicaid

You can find the most affordable health plans on Medicaid. However, you can enjoy the benefits only if you qualify for the insurance. The eligibility criteria differ in each state, and once you get qualified, you may be able to get free or low-cost health coverage. You may visit the official website of Medicaid to understand your state’s program and check if you’re eligible for the plan.

Compare the total annual costs of different health plans

It is recommended that you start looking for some affordable health plans at HealthCare.gov. Look for all plans that are available in your zip code and note their total annual costs, which would include premiums, copays, and deductibles. This is important because there is a chance that you come across a plan that has a very low monthly premium, but extremely high copays, which can turn out to be quite risky.

Confirm whether you’re eligible for a subsidy

If you qualify for subsidies that fall under the Affordable Care Act (ACA), then it may help substantially reduce the premium costs. Also, the families with low incomes, such as a family of four earning $100,00 a year may qualify for a subsidy. You can answer a few basic questions on the government website to know if you can save money on health insurance.

Calculate how much coverage you need

If you’re young and healthy, you may not need a comprehensive cover. If such is the case, a bronze plan can be a good option for you. But if you’re suffering from a chronic medical condition, then it is best to select a plan that covers more expenses than the bronze plan.

Receive quotes from insurance companies

It is recommended that you first look for health plans on the government website and then also get premium quotes directly from the insurance providers of your choice. It is possible that you end up paying a lesser amount if you compare quotes and buy an affordable health plan directly from insurance companies or state exchanges.

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