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| Typical costs: | - Low Cost Health Insurance: One way to reduce the price for low-cost health insurance is to get insurance with a high deductible, sometimes called "emergency insurance." Using eHealthInsurance, we identified high-deductible plans for a single, non-smoking make in the range of $54.00-$68.00 per month with carriers including HealthNet, Blue Shield, and Aetna. These kinds of plans generally do not pay anything until the high deductible is exceeded, often $4,000-$5,000, which means you'd have to pay the first several thousand dollars out of pocket for doctor visits or medical treatments
- According to Consumers Union, HMO plans, which provide less flexibility in terms of which doctors you can visit and often require you to see a primary physician before seeing a specialists are generally lower-priced and have slightly higher overall satisfaction scores than PPO plans. According to their survey, the median monthly premium for HMOs was 33% less than for a PPO plan.
- According to a nationwide survey by the Kaiser Family Foundation, the average health insurance cost for a family was $10,880 in 2005, $4,024 for a single worker.
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| Additional costs: | - If you have an HMO plan, there typically are co-payments, often $15-$35, for office visits and prescription drugs.
- If you have a PPO plan, there typically are higher fees to compensate for the increased flexibility in coverage. There often is a co-insurance payment, a percent of costs than the policyholder must pay, that is larger when an out of network doctor is used. There are also co-payments, often $15-$45, for office visits and prescription drugs.
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| Shopping for health insurance: | |
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Article updated November 2006 |
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