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How Much Does Aetna Health Insurance Cost per Month?

As the year draws to a close, it is time to start thinking about next year’s health insurance options. It’s significant to conduct detailed research now since you will likely have to live with your insurance decision until the next open enrollment period a year from now.

Price is always a key factor to consider when choosing a health insurance provider. Below is some price information regarding Aetna, one of the country’s largest managed care companies. Nevertheless, it’s important to remember that Aetna no longer sells the Affordable Care Act (ACA) policies, having pulled out of the Obamacare market in 2017. Aetna’s non-ACA-compliant plans are available through the company and from Hearlthins.org.

Cost of Health Insurance in Aetna

Among Health Insurance Plans shoppers, the average premium for ACA-compliant health insurance in 2018 was $465.86 for an individual health plan, even though insurance costs can vary significantly depending on the type of plan you choose, the benefits included, and your location.

In 2017, the last year, Aetna sold ACA-compliant individual health insurance plans, premiums for plans not qualified for a subsidy averaged $525.07. Premiums policies that were eligible for a subsidy averaged $374.55, and the average cost of a dental insurance policy from Aetna averaged $64.40

Difference Between an Individual Health Insurance Plan and a Qualified Plan (Obamacare)

It is easy to get confused by the many available health insurance plans and choices. The first choice you need to make is whether to purchase an individual, non-Obamacare plan directly from an insurance company or purchase an ACA-compliant health plan through the healthcare.gov marketplace. Obamacare plans can also be bought through Healthinsplans.org.

If you are buying non-Obamacare insurance, you have the option of choosing a policy that does not include all of the benefits required by the ACA. Although these plans are not eligible for health insurance subsidies, they often are more affordable than Obamacare plans.

If you decide to choose an ACA-compliant plan, the plan will be required to include the following 10 essential health benefits:

• Ambulatory patient services
• Emergency services
• Hospitalization
• Laboratory services
• Maternity and newborn care
• Mental health and substance use disorder services
• Pediatric services, including oral and vision care
• Prescription drugs
• Preventive and wellness services and chronic disease management
• Rehabilitative and habilitative services and devices

You may be qualified for a subsidy if you decide to purchase an ACA-compliant plan. A non-ACA-compliant plan that does not provide all of the Affordable Care Act’s essential health benefits may wind up being cheaper per month, even without a subsidy. If you are generally healthy, you may also save money by picking a smaller amount of health insurance coverage. Even though you will pay more out of pocket when you need medical care, you will also save more each month.

At Health Insurance Plans, We Can Assist Find the Health Insurance Plan That’s Right for You

Health Insurance Plans offer the same plans and prices available at healthcare.gov, as well as other affordable alternatives that are not available through the federal marketplace. We also have a prescription drug tool that can help you identify a plan that provides the best medication prices. Additionally, our licensed agents are available to answer any questions you may have.

Call for your Quote Today

Stop waiting around! The right insurance provider is out there and we’re going to make sure you’re covered for the foreseeable future. Accidents can happen any time whether it’s day, night, workdays, or holidays. Insurance is the best way to prepare for the unpredictable, and a great way to secure your peace of mind. Give us a call today or fill out the form for a quote – you’ll be glad you did!

References and Resources

• 10 Essential Health Benefits
• ACA Plans