I’m researching affordable health insurance and saw that Kaiser Permanente has some cheap plans. Anyone here with experience on how their Bronze plans compare to other options? Also open to tips on Aetna and BCBS if anyone’s used those.
I’m on Kaiser’s Bronze plan now. The monthly premium is about $373, and it works for me since I don’t need much coverage. If you need more flexibility with doctors, though, you might want to look at BCBS.
@Shane
Thanks for sharing. I’m looking for something with a low premium too, so that helps. Have you run into any limitations with the Kaiser network?
@Shane
Good point on the network. Kaiser limits you to their doctors, but their service is usually good. If you don’t mind the limited network, it’s a solid choice.
I chose Aetna’s plan because it’s cheaper for younger adults. I’m paying around $308 monthly, but it varies by state, so definitely check the rates based on your location.
WatkinsDove said:
I chose Aetna’s plan because it’s cheaper for younger adults. I’m paying around $308 monthly, but it varies by state, so definitely check the rates based on your location.
Did you find any issues with Aetna’s service or coverage options?
BCBS has been pretty consistent for me. They’re the cheapest option in a lot of states, and they offer flexibility with doctors and hospitals. I pay a little more than with Kaiser, but it’s worth it for the extra options.
@Ellis
That’s good to know. I’m looking for a plan with broader coverage since I need regular visits.
For those who qualify, Medicaid is the cheapest option. It’s income-based, so if you’re eligible, it’ll be much lower cost than private plans. Worth checking out.
If you’re only looking for short-term coverage, look into short-term plans. They’re usually cheaper but come with more restrictions, so make sure it covers what you need.
Dex said:
If you’re only looking for short-term coverage, look into short-term plans. They’re usually cheaper but come with more restrictions, so make sure it covers what you need.
Yeah, short-term plans can work if you’re in between jobs or only need temporary coverage, but be careful since they often don’t cover preexisting conditions.