The Best Affordable Health Insurance Plans of 2024 in the USA


How Much Does Health Insurance Cost?

A bronze health insurance plan on the Affordable Care Act marketplace costs an average of $373 monthly for a 30-year-old.

  • A 40-year-old pays an average of $420 monthly for the same coverage.
  • A 50-year-old pays $587 monthly.
  • A 60-year-old pays $890 monthly.

Bronze plans have the lowest health insurance premiums on the ACA marketplace. Silver plans have the next lowest premiums. A silver health insurance plan costs an average of $488 monthly for a 30-year-old, $549 for a 40-year-old, $767 for a 50-year-old and $1,164 for a 60-year-old.

None of these averages factor in subsidies or tax credits, which will lower your overall cost. ACA plans are the only ones that have those tax credits, which can reduce your costs. People with household incomes below 400% of the federal poverty level qualify for subsidies on ACA plans.

Average Cost of Health Insurance by Age

Age plays an important role in how much you pay for ACA marketplace coverage.

Age Of MemberAverage Monthly Overall CostBlue Cross Blue Shield Monthly CostKaiser Permanente Monthly CostUnitedHealthcare Monthly Cost
Age 21$397$444$348$396
Age 27$419$468$365$415
Age 30$453$506$396$450
Age 40$509$569$445$506
Age 50$712$795$622$708
Age 60$1,079$1,206$946$1,076
The Best Affordable Health Insurance Plans of 2024 in the USA

In the labyrinth of American healthcare, finding the right insurance plan can feel like searching for a needle in a haystack. With the landscape constantly shifting, it’s crucial to stay informed about the best affordable options available. As we delve into 2024, let’s navigate through some of the top picks for health insurance plans in the USA.

  1. Understanding the Landscape:
    Before diving into specific plans, it’s important to grasp the broader context of healthcare in the USA. The Affordable Care Act (ACA), enacted in 2010, continues to be a cornerstone in expanding access to affordable health insurance. However, navigating the marketplace can still be overwhelming for many.
  2. Criteria for Evaluation:
    When considering health insurance plans, several factors come into play:
  • Affordability: Premiums, deductibles, and out-of-pocket costs.
  • Coverage: The breadth of services covered, including preventive care, specialist visits, and prescription drugs.
  • Provider Network: Access to a network of healthcare providers, hospitals, and specialists.
  • Customer Satisfaction: Feedback from current policyholders regarding ease of use, customer service, and claims processing.
  1. Top Affordable Health Insurance Plans of 2024:
    Let’s explore some of the standout options for affordable health insurance in 2024: a. Blue Cross Blue Shield (BCBS): BCBS remains a stalwart in the health insurance industry, offering a range of plans tailored to individuals and families. With a vast network of providers, BCBS plans provide comprehensive coverage at competitive rates. b. Kaiser Permanente: Known for its integrated healthcare delivery model, Kaiser Permanente offers affordable plans with a focus on preventive care. Members benefit from access to Kaiser’s network of hospitals, clinics, and specialists, promoting coordinated and efficient care. c. Cigna: Cigna’s emphasis on innovation and customer-centric solutions makes it a top contender for affordable health insurance. Their plans offer flexibility and comprehensive coverage, with a strong emphasis on digital health solutions for greater convenience. d. UnitedHealthcare: UnitedHealthcare’s diverse portfolio of plans caters to individuals, families, and businesses of all sizes. With a wide provider network and innovative wellness programs, UnitedHealthcare prioritizes affordability and quality care. e. Ambetter: As a marketplace option under the ACA, Ambetter offers affordable coverage with a focus on preventive services and wellness programs. Their plans are designed to meet the needs of diverse populations, with options for individuals and families.
  2. Tips for Choosing the Right Plan:
  • Assess your healthcare needs: Consider factors such as chronic conditions, prescription medications, and anticipated medical expenses.
  • Compare plans: Look beyond premiums to evaluate deductibles, copayments, and out-of-pocket maximums.
  • Review provider networks: Ensure your preferred doctors and specialists are included in the plan’s network to avoid unexpected costs.
  • Utilize resources: Take advantage of online tools, insurance brokers, and customer reviews to make an informed decision.
  1. The Future of Affordable Healthcare:
    As we look ahead, the landscape of healthcare in the USA continues to evolve. Rising healthcare costs, advances in medical technology, and shifting regulatory policies will shape the future of affordable health insurance. Innovations such as telemedicine, value-based care, and preventive health initiatives hold promise for improving access and reducing costs.

In the maze of healthcare options, finding the best affordable health insurance plan requires careful consideration and research. By understanding your needs, comparing options, and staying informed about industry trends, you can navigate the complexities of healthcare and find a plan that meets your needs in 2024 and beyond.


We analyzed 84 data points about coverage and quality for seven large health insurance companies to determine the best and most affordable health insurance companies. Our ratings are based on:

  • Complaints made to state insurance departments (30% of score): We used complaint data from the National Association of Insurance Commissioners.
  • Plan ratings from the National Committee for Quality Assurance (30% of score): The National Committee for Quality Assurance is an independent, nonprofit organization that accredits health plans and produces ratings based on specific metrics, including patient experience, prevention, treatment, overall rating of the health plan and rating of care.
  • Average silver plan deductible (20% of score): The deductible is how much you have to pay for healthcare in a year before the health plan begins picking up a portion of the costs. Companies with health plans that had low deductibles got more points. Source:
  • Breadth of health plans (10% of score): Health insurance companies may offer up to four types of plan benefit designs (PPO, HMO, EPO and POS). Companies that offered more types of plans got more points. Source:
  • Metal tier offerings (10% of score): The ACA marketplace has four metal tier levels. We gave points to companies that offered more tier plan options. Source:

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