Is health insurance affordable?

It is now easier to obtain affordable health insurance coverage thanks to the Affordable Care Act (ACA).
This is particularly true for those who previously could not afford or qualify for health insurance.

And now it’s easier than ever to browse for health insurance.
You can acquire coverage in a variety of ways, including:

  • Your company’s boss
  • An insurance broker
  • A corporation that provides insurance

Government programs such as Medicare and Medicaid are available through the Health Insurance Marketplace (qualified participants only)

Get a Better Understanding of Health-Care Costs

There are a few choices for folks who can’t afford health insurance to seek help paying for health care bills, including:

Cost-sharing reduction – A reduction in the amount you pay for your deductible, coinsurance, and copayments.

Premium tax credit – A credit that reduces the amount you pay each month for your insurance.
Use our premium tax credit calculator to find out.

Blue Cross and Blue Shield of Illinois has a number of options to choose from.
Shop for health insurance and learn how to select the best health care plan for you.

Tips for Getting Cheaper Health Insurance

Use the following simple methods to help lower your health-care costs and save money:

Choose the proper plan — All plans offer the same list of essential health benefits, as well as the same level of quality and quantity of care.
The way the expenses of the benefits are applied is where they differ.
Find out more.

Know your strategy – every strategy is unique.
Make sure you understand how your plan works, what’s covered, and where to go for care before you go.
It has the potential to save you both time and money.

Maintain your network – Most health plans, such as HMOs and PPOs, require you to see specific doctors, hospitals, and other health care providers.

If at all feasible, stay on your network to avoid paying more.
For a personalized search experience based on your health plan and network, register or log in to Blue Access for MembersSM, our secure member website.

Recognize the advantages of your prescription drugs —
Make sure you understand the specifics of your prescription drug coverage plan.

You can save money by going to particular pharmacies or using mail order pharmacy services.
Furthermore, always inquire with your doctor or pharmacist if a generic version of your medication is available.
Find out more.

Make the most of your membership benefits —
Look for member discounts on gym memberships and vision services, for example.
Look into special reward programs for quitting smoking, decreasing weight, exercising, and other activities.

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