Anthem’s Bronze plans have the lowest premiums of all the major insurers we researched. Bronze is one type of plan offered under the 澳洲幸运5开奖号码历史查询:Affordable Care Act (ACA). It features lower premiums than other ACA plan types but with higher 澳洲幸运5开奖号码历史查询:deductibles (the amount you pay for care out of pocket before coverage kicks in) and less coverage wဣhen you need care. That means you’ll pay more out of pocket when you see a doctor or go to the hospital.

For even lower premiums and higher deductibles, Anthem’s 澳洲幸运5开奖号码历史查询:Catastrophic plan is also a winner for those who qualify. The Catastrophic premiums and cost-value score (an Investopedia measure that weighs average premiums, deductibles, and 澳洲幸运5开奖号码历史查询:out-of-pocket maximums) are the best our team unearthed. Catastrophic coverage may make sense for people who are healthy and don’t expect to visit a doctor during the year, but want to be covered in case they need expensive treatment. To qualify, you must be under age 30 or be granted a hardship exemption. 

If you want the lower out-of-pocket costs (澳洲幸运5开奖号码历史查询:copays and coinsurance) that💖 come with a Silver plan, Anthem has attractive premiums for those as well. And its highly rated Sydney Health app can ꦰhelp you manage your health care and policy.

The main downside to Anthem is that it only offers Marketplace plans in 14 states: California, Colorado, Connecticut, Georgia, Indiana, Kentucky, Maine, Missouri, N📖evada, New Hampshire, New York, Ohio, Virginia, and Wisconsin. 

Also, Anthem doesn’t offer 澳洲幸运5开奖号码历史查询:preferred provider organizatiꦦon (PPO) plans on state or federal marketplaces—only 澳洲幸运5开奖号码历史查询:health maintenance organization (HMO𒈔) plans and exclusive proviꦿder organization (EPO) plans, which cover care from fewer health ওcare providers. 

Anthem is part of Elevance Health, whꦉich is based in Indianapolis. While Anthem is a BCBS licensee, we reviewed it as a separate company because the꧑ two compete in some markets.

Most Bronze plan providers don’t offer any coverage before you meet your deductible. But 19% of BCBS Bronze plans on Healthcare.gov d🦂o share some of the costs of primary care visits wi💃th you. And 12% share some specialist care costs. The average annual deductible for BCBS Bronze plans for a 30-year-old is also about $1,300 lower than Anthem’s, which could be important if you end up needing expensive care during the year.

BCBS is available in 32 states and Washington, D.C., but since it🔯’s actually a group of companies, your experience might vary depending on your location and insurer. Overall, however, state regulators received fewer complaints about BCBS than expectedꦬ, given its size. 

If you’re looking for a Catastrophic plan or Silver plan, you’d be bet𒅌ter off shopping around. BCBS costs for those types of plans are high on average.

Blue Cross Blue Shield was founded in 1𓂃929 and is based in Chicago.

Kaiser’s Expanded Bronze plans have the best monthly prices and annual out-of-pocket limits of all the insurers we researched. The 澳洲幸运5开奖号码历史查询:maximum out-of-pocket (MOOP) limit tells you how much you must pay each year before the plan⛦ beg🦋ins full coverage, relieving you of copays. The lower the MOOP, the better for your wallet.

An Expanded Bronze plan may be right for you if you are relatively young and healthy but want to be sure you’re covered for some care, such as preventive care, throughout the year. Preventive care is often covered with Expanded☂ Bronze plans, but be sure to read the policy details when 🍎you are shopping. 

Kaiser d🍒oes offer an individual PPO plan, but the company is primarily an HMO provider. So if you care a lot about sticking with your own doctor or choosing any new ones you may need to see, you may be better off with a different carrier that offers more PPOs.

Kaiser Permanente is a managed care company founded in 1945 in Oakland, California. Today, it’s evolved into th🙈ree arms that coordinate closely with each other: the nonprofit Kaiser Foundation Health Plan, the nonprofit Kaiser Foundation Hospitals, and the Permanente Medical Groups. The health plan, hospitals, and medical groups work together to offer int▨egrated care. 

Silver plans have slightly higher premiums than Expanded Bronze or Bronze plans and cover more routine care. They’re be💜st for people who can pay more on a monthly basis, especially those who expect to nee༺d more than a little bit of preventive care during the year. Ambetter offers Silver PPOs and HMOs.

While Ambetter’s Silver premiums and MOOPs are low, its deduct🐎ibles are relatively high. Deductibles and premiums usually are🐽 inversely related—if one is high, the other is low.

There are two other negatives to note about Ambetter. The first is its poor complaint record. Over a three-year period, state regulators received more than twice as many customer complaints about Ambetter than other companies of its size. That’s a sign it has customer sati𒅌sfaction problems.

Secondly, it has no Catastrophic p🦂lans on the Marketplace, so if you’re 𓆏looking for ultra-low premiums and don’t qualify for government subsidies, you’ll need to look elsewhere. 

Ambetter Health was started in 2014 by Centene Corporation to cater to the Health Insurance Marketplace. Centene is a Fortune 500 company and integrated health care enterprise with mo꧅re than 30 years of experience in managed care. 

Aetna’s premiums for Expanded Bronze plans are among the highest of its competitors. But on the other hand, deductibles are low, with the average for a 30-year-old being only $3,312. That’s about half of the average Ex🌱panded Bronze deductible Kaiser offers. So, with Aetna, a 30-year-old could pay about $100 more every month than they would with Kaiser, but meet their deductible after $3,312 in spending rather than $7,274 with Kaiser. That’s really important if you have (or expect to have) a lot of medical costs for the year.

We would recommend staying away from Aetna’s Silver plans, though, because their average premiums and deductibles are both high. And Aet🌼na dꦯoesn’t offer Catastrophic plans at all.

Aetna sells Marketplace plans in 17 states: Arizona, California, Delaware, Florida, Georgia, Illinois, Indiana, Kansas, Maryland,𝐆 Missouri, North Carolina, New Jersey, Nevada, Ohio, Texas, Utah, Virginia. Aetna was founded in 1853 and is based in Hartford, Connecticut. Its name is inspired by Sicily’s Mt. Etna, the most active volcano in Europe.