Find individual health insurance plan options and prices at healthcare.gov. This is the ONLY health insurance site to use if you want (and qualify for) the federal subsidies for affordable health insurance AND your state participates in the federal marketplace exchange. Compare plans on monthly premium prices, deductibles, plan features and star quality ratings. The federal marketplace exchange shows Bronze, Silver, Gold and Platinum metal levels. It first opened for 2014. People who don’t get subsidies can also choose a plan and enroll at healthcare.gov. Open enrollment for everybody (except Medicare) between November 1 and December 15, 2023 for coverage starting Jan. 1, 2024. This year, the federal exchange is again open for an additional month (to Jan. 15, 2024) for coverage starting Feb. 1, 2024. Select See Health Plans and Prices – Search Now – if you just want to scan the plans before you create an account. At minimum, enter your age, or you may get false prices. If you enter your income, the site will estimate how much lower your monthly premium will be with a “premium tax credit” that the government will pay on your behalf. If you lose coverage during the year, you may also qualify to enroll outside of the Nov.-Dec. open enrollment. Links are provided to your state marketplace if your state has its own health insurance website. Use the filter of “easy pricing” within bronze or silver tiers to compare a handful of plans with identical benefits such as size of deductible. However, some of the other plans in that tier may suit your needs better. Nonetheless, this site is Editor’s Pick.
Find Plan Finder options and costs for health insurance plans at healthcare.gov. This official health insurance exchange website helps small businesses and individuals know what health insurance options are available to them. These are private plans that are OUTSIDE of the health insurance exchange marketplace, and do not qualify for advance premium tax credit. Search by zip code. Can compare 3 companies or plans at once; approximate monthly premiums are shown. No recommendations or rankings. This list may help you get an idea of prices before talking with an insurance agent. Be ready to see extremely high deductibles for 2024. January 2024 estimates are now available. From HHS at US government.
Find health insurance plans and prices in states that use the state-based marketplace exchanges, instead of the federal healthcare.gov marketplace. Here are the links for 18 states and DC. The federal subsidies still apply to these state exchanges: CA, CO, CT, Washington DC, ID, KY, ME, MD, MA, MN, NV, NJ, NM, NY, PA, RI, VA, VT and Washington state. The states will show Bronze, Silver, Gold and Platinum metal levels. Compare plans on monthly premium prices, deductibles, plan features and quality ratings. Open enrollment for everybody (except Medicare) between November 1 and December 15, 2023 for coverage starting Jan. 1, 2024. You may have to create an account before you can see the plan options. But each state will vary. If you lose coverage during the year, you may also qualify to enroll outside of the Nov.-Dec. open enrollment.
Health insurance plan cost comparisons in 2024 for Federal government employees. Compare the benefits, member satisfaction, and employee costs for all plans at once. Consumers can also select 3 health insurance plans at one time to see out of network benefits. Web site for Federal Employees Health Benefits (FEHB) Program is from US Office of Personnel Management (OPM). Enrollee premium, deductible, copays and maximum out of pocket costs are shown. Search by zip code; choose local plans and/or national plans. Convenient and current for 2024. Helpful to federal employees and others. The amount that taxpayers and government institutions pay toward the total health care premiums is no longer available, as it was a few years ago.
The Medicare Personal Plan Finder site at medicare.gov helps you locate supplemental health insurance plans, find out their prices (premiums), and link to a page to check Medicare Eligibility. Generally, one has to be age 65 or disabled to qualify for Medicare. Early retirement at age 62 does NOT by itself allow someone to receive Medicare benefits
What are the best Medicare Advantage Health Insurance companies for 2023, according to usnews.com? Medicare Advantage health insurance companies are shown by state if their plans – together – achieved an average of 4.5 of 5 stars by Medicare. Rankings use Medicare’s 2023 Star Ratings. Advantage plans combine Part A and Part B. Nearly every state has a highly rated company. Overall Humana rated the highest in 3 of the top 4 best company categories, nationally. Blue Cross Blue Shield was given the Best Company for size of physician network. On a state by state basis, other plans are listed as having the best Medicare Advantage Plans. Monthly premium, annual deductible and maximum out of pocket costs are given. Announcement made in October 2022 by U.S. News & World Report.
Find health insurance plans and rates for small businesses in Florida. The FL Office of Insurance Regulation provides small businesses (including two-employee companies) the ability to examine different health insurance options CHOICES through this site. Small Group rate comparison tool is a resource for consumers (employers) interested in viewing annual premium rates for the various small employer major medical health insurance plans. Requires knowing each employee’s family member age and other information.
CMS announced the standard Medicare Part B monthly premium will cost $174.70 (up nearly $10) in 2024 for most beneficiaries ($2,096 per year). The Part B deductible will be $240 (up $14). Part B premiums and the Part B deductible are both up about 6%. High income seniors will pay between $244.60 and $594.00 per month. CMS says about 8% of Medicare beneficiaries pay the high-income premiums for Part B. Medicare Part B covers physician services, outpatient hospital services, certain home health services, durable medical equipment, and other items. The Medicare Part A hospital insurance deductible will rise by $32 (2.0%) to $1,632. High-income people will also pay more for Part D drug insurance – between $12.90 and $81.00 extra per month. Released October 12, 2023. See more Medicare cost news here
Oregon health insurance rate increases for 2023 have been requested by the insurance companies. Compare preliminary rate increases for 2023 health insurance plans in OR. State of Oregon reports on six individual market health insurers: BridgeSpan, Kaiser, Moda, PacificSource, Providence, and Regence BlueCross BlueShield. In the individual market, the average rate increase in the individual market is 6.7%. The average price on a silver plan for a 40 year old in Portland ranged from $451 (Regence BlueCross BlueShield) to $507 (PacificSource). The small group market requested increase averaged 6.9% for 2023. Rate increases are shown for Health Net Health Plan, Kaiser, Moda, PacificSource, Providence, Regence BlueCross BlueShield, Samaritan, UnitedHealthcare Insurance, and UnitedHealthcare of Oregon. Average small group market rate increase for 2022 (40 year old in Portland) ranged from $348 (Kaiser) to $446 (United). Other ages or plan types may be more or less competitive. Updated July 2022.