Cheapest Health Insurance Plans In America – View Low-Cost Coverage

View the least expensive health insurance plans in the United States. Pre-existing conditions are covered and there are no lifetime caps on the amount of medical claim expenses paid. Easily preview policies and rates in all states for all family members and save money with premium tax credits. All plans shown below are available through the Marketplace with or without a federal subsidy. The cost of coverage is often $0, depending upon the amount of the cost savings and the premium tax credit. Many carriers have extensive national networks for their physicians, specialists, hospitals, and medical facilities.

Often, Medicaid is the least expensive healthcare option. Comprehensive coverage is provided and CHIP may also be available. However, for individuals or families that don’t qualify, or prefer private coverage from a major insurer, Exchange plans are offered in all states, and typically from multiple carriers in your area. Qualified preventative benefits are provided with no out-of-pocket expenses, and there is no cap on covered medical expenses paid by the insurer. Affordable health insurance for children is also available at very low prices, and stand-alone plans can be purchased.

Rates will vary, depending on age, household income, geographic area, and smoking status. Medical conditions (past or present) do not impact pricing. It is fairly common for carriers to offer plans in only selected counties in a state. Federal subsidies also may be different from one county to another. If an existing plan becomes unavailable or is no longer offered, a “life changing event” may create a Special Enrollment Period (SEP), and allow an applicant to enroll in a plan outside of the Open Enrollment period.

 

Least Expensive And Most Expensive States For Healthcare (Deductibles And Out-Of-Pocket Expenses)

 

Least Expensive

Alabama

D.C.

Hawaii

Idaho

Illinois

Michigan

North Dakota

Ohio

Washington

West Virginia

 

Most Expensive

Arkansas

Alabama

Connecticut

Delaware

North Carolina

New Hampshire

South Dakota

Tennessee

Texas

Virginia

 

List Of Cheapest Health Insurance Plans In U.S.

Alabama

Bright Health Bronze Plan – $8,150 deductible with maximum out-of-pocket expenses of $8,150 and 0% coinsurance. Office visit copay (pcp only) is $40 for the first two visits.  Generic drug copay is $25.

Bright Health Bronze Plus Plan – $6,000 deductible with maximum out-of-pocket expenses of $8,150 and 50% coinsurance. Office visit copays (pcp and specialist) are $25 and 50% coinsurance. Generic drug copay is $20.

Alaska 

Moda Pioneer Bronze – $6,500 deductible with maximum out-of-pocket expenses of $7,350 and 30% coinsurance. Office visit copays (pcp and specialist) are $30 and 30% coinsurance. Preferred generic drug copay is $2.

Moda Pioneer Bronze HDHP 5500 – HSA-qualified. $5,500 deductible with maximum out-of-pocket expenses of $6,750 and 35% coinsurance. Office visits are subject to deductible and coinsurance. Preferred generic drug copay is $2.

Arizona

Bright Health Bronze Plan – $8,150 deductible with maximum out-of-pocket expenses of $8,150 and 0% coinsurance. Office visit copays (pcp) is $50 for the first two visits. Generic drug copay is $25.

Bright Health Bronze Plus Plan – $7,500 deductible with maximum out-of-pocket expenses of $7,500 and 0% coinsurance. Office visit copay (pcp only) is $50 for the first two visits.  Generic drug copay is $20.

Arkansas

Ambetter Balanced Care 12 – $6,500 deductible with maximum out-of-pocket expenses of $8,150 and 40% coinsurance. Office visit copays (pcp and specialist) are $35 and $70. Generic drug copay is $20. Preferred brand drug copay is $60.

Ambetter Balanced Care 11 – $6,000 deductible with maximum out-of-pocket expenses of $8,150 and 40% coinsurance. Office visit copays (pcp and specialist) are $20 and $50. Generic drug copay is $20. Preferred brand drug copay is $50.

California

Oscar Bronze 60 EPO – $6,300 deductible with maximum out-of-pocket expenses of $7,800 and 40% coinsurance. Office visit copays (pcp and specialist) are $65 and $95. Generic drug copay is $18.

L.A. Care Bronze 60 HMO – $6,000 deductible with maximum out-of-pocket expenses of $8,150 and 40% coinsurance. Office visit copays (pcp and specialist) are $65 and $95. Generic drug copay is $18.

Colorado

Kaiser KP Select CO Bronze 6000/50% – $7,000 deductible with maximum out-of-pocket expenses of $8,150 and 50% coinsurance. Office visit copays (pcp) is $50.

Bright Health Bronze EPO – $8,150 deductible with maximum out-of-pocket expenses of $8,150 and 0% coinsurance. Office visit copay (pcp only) is $50.  Generic drug copay is $40.

Connecticut

ConnectiCare Bronze Standard POS – $6,500 deductible with maximum out-of-pocket expenses of $8,150. Office visit copay (pcp) is $40. Generic drug copay is $10.

ConnectiCare Passage Bronze Alternative PCP POS – $6,500 deductible with maximum out-of-pocket expenses of $8,150. Office visit copay (pcp only) is $0.  Generic drug copay is $15.

Delaware

Highmark Delaware Shared Cost Blue EPO Bronze 7900 – $7,900 deductible with maximum out-of-pocket expenses of $7,900 and 0% coinsurance.

Highmark Delaware Shared Cost Blue EPO Bronze 3900 – $3,900 deductible with maximum out-of-pocket expenses of $7,900 and 40% coinsurance. Office visit copay (pcp) is $60. Urgent Care copay is $100.

Florida

Oscar Classic Bronze – $5,500 deductible with maximum out-of-pocket expenses of $8,100 and 50% coinsurance. First two pcp office visits covered with $50 copay. Generic drug copay is $3 ($7.50 mail order).

Oscar SimpleBronze – $8,150 deductible with maximum out-of-pocket expenses of $8,150 and 0% coinsurance. First three pcp office visits covered with $0 copay. Generic drug copay is $3 ($7.50 mail order).

Georgia

Ambetter Essential Care 1 – $8,150 deductible with maximum out-of-pocket expenses of $8,150 and 0% coinsurance.  Generic drug copay is $20 ($50 mail order).

Ambetter Essential Care 2 HSA – $6,750 deductible with maximum out-of-pocket expenses of $6,750 and 0% coinsurance. Plan is HSA-eligible.

Hawaii

HMSA Individual Metallic Bronze HMO – $6,000 deductible with maximum out-of-pocket expenses of $8,150 and 0% coinsurance. $40 copay for first three pcp office visits. $60 specialist copay. $25 and $70 generic drug copays.

HMSA Individual Metallic Bronze PPO – $8,150 deductible with maximum out-of-pocket expenses of $8,150 and 0% coinsurance. $50 copay for first three pcp office visits.

Idaho

SelectHealth Bronze 6200 – $6,200 deductible with maximum out-of-pocket expenses of $7,900 and 40% coinsurance. Office visit copays are $30 and $65. Urgent Care copay is $65. Generic drug copay is $10.

SelectHealth Expanded Bronze 8150 – $8,150 deductible with maximum out-of-pocket expenses of $8,150 and 0% coinsurance. Office visit copays are $30 and $60. Urgent Care copay is $60. Generic drug copay is $10.

Illinois

Ambetter Essential Care 5 – $7,100 deductible with maximum out-of-pocket expenses of $8,150 and 40% coinsurance. Office visit copays are $35 and $75. Urgent Care copay is $50. Generic drug copay is $20 ($50 mail order)

BCBS Of Illinois Blue FocusCare Bronze 209 – $7,400 deductible with maximum out-of-pocket expenses of $8,150 and 40% coinsurance. Office visit copays are $50 and $85. Urgent Care copay is $85.

Indiana

CareSource Marketplace Bronze – $7,700 deductible with maximum out-of-pocket expenses of $8,150 and 50% coinsurance. Office visit copays (pcp and specialist) are $60 and $120. Low-cost drug copay is $40 ($100 mail order).

Ambetter Essential Care 1 – $8,150 deductible with maximum out-of-pocket expenses of $8,150 and 0% coinsurance.  Generic drug copay is $20 ($50 mail order).

Iowa

Medica Bronze Copay – $7,200 deductible with maximum out-of-pocket expenses of $8,150 and 50% coinsurance. Office visit copays (pcp and specialist) are $80 and $150. Urgent Care copay is $80. Generic and preferred brand drug copays are $30 and $160.

Medica Bronze HSA – HSA-qualified. $6,400 deductible with maximum out-of-pocket expenses of $6,900 and 20% coinsurance.

Kansas

Medica With Healthier You Bronze Copay – $7,000 deductible with maximum out-of-pocket expenses of $8,150 and 50% coinsurance. Office visit copays (pcp and specialist) are $80 and $150. Urgent Care copay is $80. Generic and preferred brand drug copays are $30 and $160.

Medica With Healthier You Bronze HSA – HSA-qualified. $6,400 deductible with maximum out-of-pocket expenses of $6,900 and 20% coinsurance.

Kentucky

CareSource Marketplace Low Premium Silver – $6,800 deductible with maximum out-of-pocket expenses of $7,300 and 25% coinsurance. Office visit copays are $35 and $70. Urgent Care copay is $75. Low-cost and preferred brand drug copays are $30 and $60 ($75 and $150 mail order).

CareSource Marketplace Standard Silver – $5,900 deductible with maximum out-of-pocket expenses of $6,800 and 20% coinsurance. Office visit copays are $25 and $60. Urgent Care copay is $75. Low-cost and preferred brand drug copays are $30 and $60 ($75 and $150 mail order).

Louisiana

CHRISTUS Health Plan LA Individual Bronze – $7,100 deductible with maximum out-of-pocket expenses of $8,150 and 50% coinsurance. Office visit copays are $40 and $60.  The first two pcp office visits have a $0 copay. Urgent Care copay is $60. Preferred generic and non-preferred generic drug copays are $0 and $25.

HMO Louisiana Blue Connect 70/50 $4550 – $4,550 deductible with maximum out-of-pocket expenses of $8,150 and 30% coinsurance.

Maine

Anthem BCBS Bronze X HMO 6350 – $6,350 deductible with maximum out-of-pocket expenses of $8,150 and 50% coinsurance. $40 pcp office visit copay.

Anthem BCBS Bronze X HMO 6250 for HSA –  $6,250 deductible with maximum out-of-pocket expenses of $6,850 and 50% coinsurance.

Maryland

CareFirst BlueChoice HMO HSA Bronze $6,550 –  $7,900 deductible with maximum out-of-pocket expenses of $7,900 and 0% coinsurance.

CareFirst BlueChoice HMO Value Bronze $6,000 –  $6,000 deductible with maximum out-of-pocket expenses of $8,150. $40 pcp office visit copay and $20 generic drug copay.

Massachusetts

Tufts Health Plan Direct Bronze With Coinsurance –  $2,900 deductible with maximum out-of-pocket expenses of $8,150. $30 generic drug copay.

Tufts Health Plan Direct Bronze 3500 With Coinsurance –  $3,550 deductible with maximum out-of-pocket expenses of $8,150. $50 pcp office visit copay.

Michigan

Meridian Healthy Bronze – $8,150 deductible with maximum out-of-pocket expenses of $8,150 and 0% coinsurance. $50 pcp office visit copay (after deductible).

Medidian HSA Savings Bronze –  $5,500 deductible with maximum out-of-pocket expenses of $6,650 and 50% coinsurance.

Minnesota

UCare M Health Fairview Bronze HSA –  $6,800 deductible with maximum out-of-pocket expenses of $6,800 and 0% coinsurance. HSA-eligible.

Fairview UCare Choices Bronze –  $5,900 deductible with maximum out-of-pocket expenses of $8,150. $60 pcp office visit copay and $15 generic drug copay. Brand copay is $200.

Mississippi

Ambetter Essential Care 5 – $7,100 deductible with maximum out-of-pocket expenses of $8,150 and 50% coinsurance.  $35 and $75 office visit copays. $50 Urgent Care copay. $50 copay for diagnostic tests. Generic drug copay is $20 ($50 mail order).

Ambetter Essential Care 2 HSA – $6,750 deductible with maximum out-of-pocket expenses of $6,750 and 0% coinsurance. Plan is HSA-eligible.

Missouri

WellFirst Bronze HSA-E –  $6,700 deductible with maximum out-of-pocket expenses of $6,700 and 0% coinsurance. HSA-eligible.

WellFirst Bronze Value Copay 8100X –  $8,100 deductible with maximum out-of-pocket expenses of $8,100 and 0% coinsurance. $25 pcp office visit copay for first three visits.

Montana

BCBS Blue Focus POS 205 – $4,400 deductible with maximum out-of-pocket expenses of $8,150 and 50% coinsurance. $40 copay for first two pcp office visits. $40 Urgent Care copay.

Montana Health CO-OP Plus Bronze – $7,200 deductible with maximum out-of-pocket expenses of $8,150 and 60% coinsurance. $15 pcp office visit copay.

Nebraska

Medica With CHI Health Bronze Copay – $7,200 deductible with maximum out-of-pocket expenses of $8,150 and 50% coinsurance.  $80 and $150 office visit copays. $80 Urgent Care copay.  Generic and preferred brand drug copays are $30 and $160.

Medica With CHI Health Bronze HSA – $6,400 deductible with maximum out-of-pocket expenses of $6,900 and 20% coinsurance. Plan is HSA-eligible.

Nevada

Anthem BCBS Bronze Pathway X Guided Access HMO 8150 – $8,150 deductible with maximum out-of-pocket expenses of $8,150 and 0% coinsurance. $50 pcp office visit copay.

Health Plan Of Nevada MyHPN Bronze 10 – $7,000 deductible with maximum out-of-pocket expenses of $8,150 and 30% coinsurance. $30 and $85 office visit copays. $30 Urgent Care copay.  Tier 1 and Tier 2 drug copays are $25 and $75.

New Hampshire

Anthem BCBS Bronze Pathway X Enhanced HMO 6500/40% – $6,500 deductible with maximum out-of-pocket expenses of $8,150 and 40% coinsurance. $50 pcp office visit copay.

Ambetter Essential Care 1 – $8,150 deductible with maximum out-of-pocket expenses of $8,150 and 0% coinsurance.  Generic drug copay is $20 ($50 mail order).

New Jersey

IHC Bronze EPO HSA AmeriHealth Advantage $25/$50 –  $3,450 deductible with maximum out-of-pocket expenses of $6,900 and 30% coinsurance. $25 and $50 office visit copays. Plan is HSA-eligible.

IHC Bronze EPO HSA AmeriHealth Hospital Advantage $50/$75 – $3,450 deductible with maximum out-of-pocket expenses of $6,900 and 50% coinsurance. $50 and $75 office visit copays. Plan is HSA-eligible.

New Mexico

Molina Core Care Bronze 2 Plan – $8,000 deductible with maximum out-of-pocket expenses of $8,150 and 40% coinsurance.

True Health True Bronze – $8,150 deductible with maximum out-of-pocket expenses of $8,150 and 0% coinsurance. Pcp office visit copay is $40. Urgent Care copay is $45.

New York

Fidelis Care Bronze INN Pediatric Dental Dep 25 – $4,425 deductible with maximum out-of-pocket expenses of $8,150.  $50 office visit copays. $50 Urgent Care copay.  Brand and non-preferred brand drug copays are $35 and $70.

Fidelis Care Bronze INN Pediatric Dental Dep 29 – $4,425 deductible with maximum out-of-pocket expenses of $8,150.  $50 office visit copays. $50 Urgent Care copay.  Brand and non-preferred brand drug copays are $35 and $70.

North Carolina

BCBS Of NC Blue Home Bronze 8150 – $8,150 deductible with maximum out-of-pocket expenses of $8,150 and 0% coinsurance.

BCBS Of NC Blue Home Bronze 6900 – $6,900 deductible with maximum out-of-pocket expenses of $6,900 and 0% coinsurance. Plan is HSA-eligible.

North Dakota

Sanford Health Plan Simplicity Individual Bronze 7000 –  $7,000 deductible with maximum out-of-pocket expenses of $8,150 and 50% coinsurance. $60 pcp office visit copay.  $40 generic drug copay.

Sanford Health Plan Simplicity Individual Bronze 6000 –  $6,000 deductible with maximum out-of-pocket expenses of $8,150 and 50% coinsurance. $60 pcp office visit copay.  $40 generic drug copay.

Ohio

CareSource Marketplace Bronze – $7,700 deductible with maximum out-of-pocket expenses of $8,150 and 50% coinsurance. Office visit copays (pcp and specialist) are $60 and $120. Low-cost drug copay is $40 ($100 mail order).

Ambetter Essential Care 1 – $8,150 deductible with maximum out-of-pocket expenses of $8,150 and 0% coinsurance.  Generic drug copay is $20 ($50 mail order).

Oklahoma

Bright Health Bronze 2 – $8,150 deductible with maximum out-of-pocket expenses of $8,150 and 0% coinsurance. Office visit copay (pcp only) is $40 for the first three visits.  Generic drug copay is $25.

BCBS Of Oklahoma Blue Advantage Bronze PPO 202 – $5,000 deductible with maximum out-of-pocket expenses of $8,150 and 50% coinsurance.

Oregon

Kaiser KP OR Bronze 6900/0% HSA –  $6,900 deductible with maximum out-of-pocket expenses of $6,900 and 0% coinsurance. Plan is HSA-eligible.

Providence Health Plan Connect 8150 Bronze – $8,150 deductible with maximum out-of-pocket expenses of $8,150 and 0% coinsurance. $70 and $100 office visit copays.  Preferred and non-preferred generic drug copays are $35 and $65.

Pennsylvania

Highmark Together Blue EPO Bronze 7900 – $7,900 deductible with maximum out-of-pocket expenses of $7,900 and 0% coinsurance.

UPMC Advantage Bronze $7,400/$50 – $7,400 deductible with maximum out-of-pocket expenses of $8,150 and 50% coinsurance. $50 pcp office visit copay. $30 generic drug copay ($60 mail order).

Rhode Island

Neighborhood Health Plan Innovation – $6,550 deductible with maximum out-of-pocket expenses of $7,350.

Neighborhood Health Plan Innovation – $6,000 deductible with maximum out-of-pocket expenses of $6,550.

South Carolina

Molina Core Care Bronze 2 – $8,000 deductible with maximum out-of-pocket expenses of $8,150 and 40% coinsurance.

Molina Core Care Bronze 1 – $6,800 deductible with maximum out-of-pocket expenses of $8,150 and 0% coinsurance. $35 and $85 office visit copays, and $35 Urgent Care copay.

South Dakota

Avera Health Plans Preferred 6000 – $6,000 deductible with maximum out-of-pocket expenses of $8,150 and 50% coinsurance.

Sanford Health Plan TRUE Individual Bronze $7,000 – $7,000 deductible with maximum out-of-pocket expenses of $8,150 and 50% coinsurance. $60 pcp office visit and Urgent Care copays. $40 generic drug copay.

Tennessee

BCBS Bronze B08S – $8,150 deductible with maximum out-of-pocket expenses of $8,150 and 0% coinsurance.

BCBS Bronze B10S  – $6,600 deductible with maximum out-of-pocket expenses of $8,150 and 50% coinsurance.

Texas

Molina Core Care Bronze 2 – $8,000 deductible with maximum out-of-pocket expenses of $8,150 and 40% coinsurance.

Molina Core Care Bronze 1 – $6,800 deductible with maximum out-of-pocket expenses of $8,150 and 0% coinsurance. $35 and $85 office visit copays, and $35 Urgent Care copay.

Utah

SelectHealth Value Benchmark Bronze 8150 – $8,150 deductible with maximum out-of-pocket expenses of $8,150 and 0% coinsurance.

SelectHealth Value Benchmark Bronze 6800 – $6,800 deductible with maximum out-of-pocket expenses of $8,000 and 40% coinsurance. $40 and $65 office visit copays. Urgent Care copay is $65. Tier 1 and Tier 2 drug copays are $20 and $30.

Vermont

MVP VT Bronze Plus 1 – $7,250 deductible with maximum out-of-pocket expenses of $8,000 and 50% coinsurance. $40 and $100 office visit copays (deductible applies). Deductible applies to all prescription drugs.

MVP VT Bronze Plus 2 – $6,000 deductible with maximum out-of-pocket expenses of $8,150 and 50% coinsurance. $35 and $90 office visit copays (deductible applies). Deductible applies to all prescription drugs.

Virginia

Optima Health Plan OptimaFit Bronze 7500 40% Select CH M – $7,500 deductible with maximum out-of-pocket expenses of $8,150 and 40% coinsurance. $25 generic drug copay.

Anthem HealthKeepers Bronze X 7500 – $7,500 deductible with maximum out-of-pocket expenses of $8,150 and 40% coinsurance. $35 and $85 office visit copays, and $35 Urgent Care copay.

Washington

Bridgespan Bronze Care On Demand 8000 – $8,000 deductible with maximum out-of-pocket expenses of $8,150 and 20% coinsurance. $20 generic drug copay.

Molina Marketplace Choice Bronze – $6,800 deductible with maximum out-of-pocket expenses of $8,150 and 40% coinsurance. $35 pcp office visit copay. $32 generic drug copay.

West Virginia

CareSource Marketplace Bronze – $7,700 deductible with maximum out-of-pocket expenses of $8,150 and 50% coinsurance. Office visit copays (pcp and specialist) are $60 and $120. Low-cost drug copay is $40 ($100 mail order).

CareSource Marketplace Low Premium Silver – $6,800 deductible with maximum out-of-pocket expenses of $7,300 and 25% coinsurance.  $35 and $70 office visit copays with $30 Urgent care copay. Low-cost and preferred brand drug copays are $30 and $60 ($75 and $150 mail order).

Wisconsin

Dean Focus Network Bronze HSA-E 6700X – $6,700 deductible with maximum out-of-pocket expenses of $6,700 and 0% coinsurance. HSA-eligible.

Dean Focus Network Bronze Value Copay 8100X – $8,100 deductible with maximum out-of-pocket expenses of $8,100 and 0% coinsurance. $25 pcp office visit copay for first three visits.

Wyoming

Wyoming BCBS BlueSelect Bronze Core – $4,500 deductible with maximum out-of-pocket expenses of $6,750 and 50% coinsurance.

Wyoming BCBS BlueSelect Bronze Value – $6,000 deductible with maximum out-of-pocket expenses of $7,900 and 20% coinsurance. $40 and $65 office visit copays. Urgent Care copay is $65. Tier 1 and Tier 2 drug copays are $20 and $30.