With its highly rated app, you can get $0 virtual urgent care at any time of the day or night and get paid to meet your daily step goals, or check out your plan’s benefits and review your individualized team of healthcare professionals. Further, lists Oscar’s plans as some of the best for low and medium use. We also found that it offers the lowest-cost bronze and silver plans compared to other top providers. We found that Oscar’s plans are the best priced, on average, for applicants between ages 25 and 60, regardless of metal level.

It also packs a lot of value into its health insurance plans for the price. Oscar is a startup that uses technology to differentiate it from traditional insurance providers. What’s nice about that plan (in either location) is that you can get generic prescription drugs for $25 and see a primary care physician for a $50 copay before the deductible is met. In Miami-Dade County, Florida, the same bronze plan is the seventh least expensive at $366.09 per month. For example, Aetna has the cheapest 2023 bronze plan in El Paso County, Texas, at $286.40 per month ($7,500 deductible) for a 35-year-old nonsmoker. We also found that value can vary significantly between markets. That can be fine if you don’t expect to use your plan for more than preventive care or if you have a health savings account (HSA) to cover non-preventive care before your deductible is met. We generally found Aetna’s premiums to be low, but its deductibles are high. Just note that if you have a high-deductible plan, you must meet your deductible before MinuteClinic visits are free. Aetna members can walk in or schedule free MinuteClinics appointments, often the same day they need care. Because Aetna plans only include essential health benefits, 100% of the premium can be reduced by the tax credit.Īetna plans also offer an excellent alternative to urgent care for minor illnesses and injuries via CVS MinuteClinics. While all marketplace plans are eligible to be reduced by premium tax credits, some include benefits that aren’t eligible for premium tax credit dollars. If you choose an Aetna plan, it could potentially drop to $0. If you’re eligible for the advance premium tax credit, the amount you pay for health insurance can drop dramatically.

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