すべてのプランがACAに準拠しているわけではありません

UnitedHealthcareは、学生向けの補足プランから、個人および家族向けの完全準拠のAffordable Care Act（ACA）プランまで、さまざまな保険オプションを提供しています。 UnitedHealthcareには、コストと補償範囲のバランスを取るのに役立つさまざまな金属層とさまざまなプランオプションがあります。

オンラインで保険を処理したいですか？ UnitedHealthcareはまた、追加費用なしで仮想相談を提供する最高のオンライン健康ポータルの1つを提供します。 You can also schedule doctor appointments, view your claims and manage your policy all from your MyUHC account.

# of Healthcare Providers

Online Application?

Pros

• Medicare Parts A + B and Medigap plans available
• 6% discount if you enroll online
• Shop plans by ZIP code

Cons

• Discount not available CA, CT and OH

Humana:Best for Senior Citizens

Are you a senior citizen? If so, you’ll typically have access to free or low-cost Medicare issued through the federal government. You might also want to choose a Medicare Advantage plan from a private company because Original Medicare doesn’t cover everything.

Humana specializes in offering exceptionally affordable Medicare Advantage plans intended to offer more coverage than Original Medicare. Many of Humana’s options offer $0 monthly premiums, and most plans also include $0 deductibles. You can even supplement your Medicare Advantage plan with a comprehensive prescription drug plan for as little as $13 per month. If you’re close to age 65 and think a Medicare Advantage plan might suit your needs, consider a plan from Humana.

The Average Cost of Health Insurance

The price you’ll pay for health insurance will vary depending on your age. As you get older, your medical care costs typically increase and you’ll pay more for insurance.

The average monthly premium for health insurance for an individual falls into these average ranges:

What Does Health Insurance Typically Cover?

Long-term health insurance plans are legally required to offer some form of coverage for the 10 essential benefits laid out by the ACA. No matter which ACA Marketplace plan you purchase, you’ll have coverage for at least the following:

• Ambulatory patient services, including care that you receive without being admitted to the hospital
• Emergency services at any hospital, regardless of whether the hospital is in your network
• Hospitalization, including planned surgeries and overnight stays
• Prescription drugs
• Treatment for mental health and substance abuse disorders, including both inpatient and outpatient treatments and therapies
• Pregnancy, maternity and newborn care, including breastfeeding support
• Rehabilitative and habilitative services and treatments required to regain physical or cognitive abilities after you’re injured or to treat a chronic condition
• Preventive and wellness services, including vaccinations and routine physicals
• Lab work and blood tests
• Pediatric services for kids for all of the above-listed services, plus dental and vision services

If you’re a female, your insurance provider also needs to cover all forms of birth control approved by the FDA. This includes barrier methods, hormonal methods and emergency contraceptives. Your insurance may not extend to birth control if you get your health insurance through an employer registered as a church or religious nonprofit.

These essential benefits only apply to long-term plans you purchase on the ACA Marketplace. If you buy a short term plan outside of the Marketplace, your insurance provider may pick and choose which services are covered. Almost every short term plan excludes coverage for prescription drugs and maternity care, and you can also be denied coverage for a preexisting condition. Before you enroll in a short term plan, be 100% sure you know what your plan covers.

What Does Health Insurance Not Cover?

Even the best ACA health insurance plan won’t cover everything. Let’s take a look at some common exclusions you might see on your health insurance policy:

• Cosmetic surgery: No insurance plan will cover elective or nonessential surgery.
• Dental and vision services for adults: Under the ACA, your insurance provider only needs to cover dental and vision services for the children included in your plan. If you’d like to add these coverages for adults on your plan, you’ll typically be able to purchase an additional plan through your insurance company.
• Weight-loss surgery: There is currently no federal requirement that compels insurance companies to cover bariatric surgery, even if it’s deemed medically necessary. However, a number of states have introduced their own requirements.
• Non-routine vaccinations: Your insurance provider is only required to cover vaccinations and boosters considered routine by the CDC. If you need a nonroutine vaccine before travel (like yellow fever or hepatitis A vaccines), you’ll probably need to cover it out of pocket.
• Male birth control: The ACA’s birth control requirement only extends to female contraceptives. Health insurance plans rarely cover male forms of birth control.

If you buy a short term plan, your list of excluded services will be much longer. Read your policy’s terms before you buy to make sure you have the benefits you need.

Protect Your Health with the Right Insurance

Getting health insurance doesn’t need to be complicated or overly expensive. Begin by collecting a few quotes in your area customized with your date of birth and ZIP code. You might be surprised at just how affordable it is to find a plan for your family.