Major Medical Health Insurance Rates

Cheap individual health insurance plans can be purchased. Whether you are viewing rates from Aetna, UnitedHealthCare, Cigna, Blue Cross, Assurant, Humana or any other major company, there are many inexpensive plans for you to buy. If you are healthy and do not have any major conditions, rates are often lower than traditional group plans for individuals and families. This is a result of a much lower risk of a serious health condition occurring. And in recent years, as employers contribute less towards employee’s health care, employer-sponsored policies are becoming quite expensive.

Majormedicalhealth.com  is the country’s trusted resource for low cost individual health insurance plans. The rates you view on this website are  the lowest published premiums provided by the carriers. There are never any costs for using our service and we’ll continue to help you as long as you have your policy. As national medical reform and state health insurance Exchanges are slowly implemented, we’ll provide the resources to show you the best way to take advantage of any tax credits that might reduce your rate. Of course, these credits can change every year. And perhaps we’ll provide a more direct source for information than state Exchanges.

Perhaps the cheapest type of individual health insurance is catastrophic coverage. This type of benefit typically costs significantly less than comprehensive plans, while still providing “big ticket” benefits. Some of these inpatient expense benefits include room charges, intensive care, operating and recovery room, prescriptions, and professional fees of specific providers. There usually is not a gap in coverage when comparing benefits and expenses.

Catastrophic   health insurance plans often cover many outpatient expenses such as X-ray and lab costs, emergency room fees for illness or injury, outpatient surgery facility and hospital fees, CAT scans, MRIs, radiation treatment and chemotherapy. A deductible and coinsurance typically must be met before any benefits are paid. Of course, higher deductibles will increase your out-of-pocket costs but reduce the premium that you pay. Golden Rule, a subsidiary of UnitedHealthcare, offers the “Saver 80” plan, one of the most inexpensive catastrophic policies in the US. Many other high-deductible HSA plans are also worth considering.

Low cost student health insurance plans are also offered by most of the reputable companies. Premiums are generally under $100 per month (less than $50 in some states) and coverages are designed to provide major medical benefits along with flexible office visit and prescription coverage.  Often, purchasing student health coverage from a reputable insurer is a better option that purchasing a plan directly from the school. Coverages tend to be more comprehensive and a major insurer can offer off-campus medical facilities and doctors. We’re specialists at finding the best student plan for you while maintaining quality coverage at an affordable rate.

To see low cost health insurance options in your area, a box to enter your zip code is available at the top of the page. Very quickly, you’ll be able to compare your best options side by side. And if you apply to purchase a policy, it doesn’t take long and the paperwork is very easy to complete.