Cheapest 6 Health Insurance Plans Under $200 Per Month
Cheapest 6 Health Insurance Plans Under $200 Per Month! Finding health insurance under $200 per month is possible, especially if you qualify for ACA subsidies, are young, healthy, or choose Bronze-tier plans. Bronze plans usually have the lowest monthly premiums but higher deductibles and out-of-pocket costs. (Kiplinger)
Some insurance providers offer entry-level plans starting between $120 and $200 per month, especially with subsidies or low-cost networks. (Meditation-portal)
Below are the cheapest and most reliable health insurance plans under $200 monthly.
1. Cigna Affordable Bronze Plan – Cheapest Overall ($120–$180/month)
6 Health Insurance Plans! Cigna offers some of the lowest-cost basic health insurance plans in the U.S.
Key features
- Premium: $120–$180/month
- Preventive care covered
- Telehealth services included
- Low copays for doctor visits
Best for
Young adults and healthy individuals.
Why it’s cheap
Smaller network and higher deductible help reduce monthly premiums.
2. UnitedHealthcare Bronze Plan – Best Affordable Network ($130–$200/month)
UnitedHealthcare offers budget plans with strong nationwide provider access.
Key features
- Premium: $130–$200/month
- Nationwide hospital network
- Generic drug coverage
- Telehealth support
Best for
Cheapest 6 Health Insurance Plans! People who want affordable plans with large doctor networks.
3. Kaiser Permanente Bronze HMO – Best Integrated Care ($150–$200/month)
Kaiser Permanente offers affordable integrated healthcare plans.
Key features
- Premium: $150–$200/month (with subsidy)
- Preventive care included
- Integrated hospital system
Best for
People who live near Kaiser hospitals.
4. Molina Healthcare Bronze Plan – Best Low-Income Option ($140–$190/month)
Health Insurance! Molina Healthcare specializes in affordable plans for low-income individuals.
Key features
- Premium: $140–$190/month
- Preventive services included
- ACA marketplace eligibility
Best for
Low-income individuals and families.
5. Oscar Health Bronze Plan – Best Digital Experience ($160–$200/month)
Oscar Health provides affordable plans with modern digital tools.
Key features
- Premium: $160–$200/month
- Free telemedicine visits
- Easy claims management
Best for
Tech-savvy users.
6. Ambetter Essential Bronze Plan – Best Student Option ($150–$200/month)
Ambetter offers some of the lowest premiums in many states.
Key features
- Premium: $150–$200/month
- Preventive care covered
- Affordable monthly payments
Best for
Students and young adults.
Why These Plans Are So Cheap
These plans are affordable because they:
Use Bronze coverage
Bronze plans have lower premiums but higher deductibles. (Kiplinger)
Offer limited networks
Smaller provider networks reduce costs.
Require ACA subsidies
Insurance Plans Under $200 Per Month! Many people qualify for subsidies that reduce premiums significantly.
Are designed for healthy individuals
Lower risk patients pay lower premiums.
Typical Premium Comparison
| Provider | Avg Premium |
|---|---|
| Cigna | $120–$180/month |
| UnitedHealthcare | $130–$200/month |
| Kaiser Permanente | $150–$200/month |
| Molina Healthcare | $140–$190/month |
| Oscar Health | $160–$200/month |
| Ambetter Health | $150–$200/month |
Many marketplace Bronze plans from major insurers like Molina, Ambetter, and Oscar average about $210–$280 without subsidies, but subsidies can reduce them below $200. (The Tax Heaven)
Who Qualifies for Plans Under $200
You’re most likely to get plans under $200 if you:
- Are under age 35
- Have low or moderate income
- Qualify for ACA subsidies
- Choose Bronze plans
- Are single (not family coverage)
Final Thoughts
The cheapest health insurance plans under $200 per month include Cigna, UnitedHealthcare, Kaiser Permanente, Molina Healthcare, Oscar Health, and Ambetter Bronze plans. These plans provide basic coverage, preventive care, and financial protection while keeping monthly costs low.
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