Affordable Health Insurance
Understand what makes a plan affordable for your needs
When most people think of an affordable health insurance plan, the first thing that comes to mind is price. Although price is a significant factor, you need to find a plan that is both affordable and gives you value in the long run.
Affordability means understanding what you want in a plan, and what you’re willing to pay for those benefits. Here are three different ways to think about what could make a plan affordable for you.1
An affordable health insurance plan means:
How Much Will I Pay Up Front?
Each month, you’ll pay a premium for your health insurance plan. This cost provides you with access to the health care system, network discounts, expert advice and reassurance that covered services will be paid for in whole, or in part by the plan. Assurant Health offers a range of health plans with varying monthly premiums.
How Much Will I Pay If Something Happens?
What your plan pays and what you pay if something happens depends on the type of plan you have1:
- Major Medical Insurance: After the monthly premium, what you pay will be based on the deductible, coinsurance and copay options that you select. Major Medical plans offer a range of deductibles to give you broad medical coverage.
- With these affordable health insurance plans, you choose whether you’d like to have a lower deductible and a higher monthly premium, or a higher deductible and a lower monthly premium.
>>Understand Major Medical insurance expenses
- Fixed-Benefit Insurance: Assurant Health Access SM is a plan that pays fixed benefits and has no traditional deductible, coinsurance or copay options. Instead, this plan pays a set cash amount for everyday medical expenses, inpatient hospitalization, surgery and more, regardless of the actual cost of services.
Although this affordable health plan pays benefits for covered services without you having to first meet a deductible, you’ll still be responsible for the difference between the provider charge and what the plan pays.
>>Understand Fixed-Benefit insurance expenses
Want To Learn More?
We'll show you how to create an affordable plan for your needs.
See how we create unexpected savings for you with each of our plans.
Compare our Fixed-Benefit and Major Medical insurance to see which one suits your needs.
Why Assurant Health?
- With Assurant Health, You Always Have Choices
Whether you’re an individual, family or small business, our experts will help you choose from a wide range of affordable health insurance plans with varying deductibles to find the right fit for you. We’ll help you pick a plan that balances coverage and benefits, at a price you can afford.
- Experience You Can Trust
Assurant Health traces its roots back to 1892 and has been committed to providing access to convenient health care delivery, easy-to-understand products and value-added services that help you better manage your health care dollars and get the most out of your health plans.
1 All plans are subject to pre-existing condition limitations.
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