Find the best provider for your health insurance coverage.
Choosing a health insurance plan impacts your ability to access quality care at an affordable price. Not only does health insurance defray the cost of care, but it also protects your financial future. Without insurance, a health incident or chronic condition could result in devastating expenses. Knowing what companies are available is an important step in that journey. Here, you will find resources to help you find the best health insurance coverage to meet your needs.
Each health insurance plan has a premium you pay each month to keep your policy active. You may also have a deductible ― the amount you pay before your insurance begins paying out for certain services ― and copays or coinsurance, which is the shared cost when you receive health care services. These amounts vary between plans and by metal level. Health insurance plans in each state are organized into four levels: Bronze, Silver, Gold, and Platinum.
Plan pricing and availability can depend on where you live, which is why you want to be sure you are comparing coverage for where you live. Most search engine tools require you to put in your ZIP code. For example, a Bronze plan monthly premium in Colorado can start at $221 but, in Vermont, the Bronze starts at $571.
Each state also has a different number of health insurance companies available per state. For example, Delaware only has one company available while Florida has 13. Having more companies available can often help rates because there is more competition in the state and flexibility in the options.
Finding the right company is very important when choosing your insurance coverage. Insurance access can vary by your age, income, and location to name a few. You always want to consider overall affordability.
Don’t just look at the premium. Be sure to look at the out-of-pocket cost, including deductibles, copays, coinsurance, and max uncovered expenses. Also, make sure that you research insurance company ratings to aid in avoiding unforeseen problems.
As you look for a health insurance company, here are some key considerations:
|State||Insurance Companies on the State Marketplace||Monthly Premiums Start at||Medicare Coverage||Medicaid Coverage|
||$418||Medicare Advantage Plans in Alabama||Alabama Medicaid|
||$429||Medicare Advantage Plans in Alaska | Affordable Health Insurance||Alaska Medicaid|
||$314||Medicare Advantage Plans in Arizona | Affordable Health Insurance||Arizona Medicaid|
||$311||Medicare Advantage Plans in Arkansas | Affordable Health Insurance||Arkansas Medicaid|
||$327||Medicare Advantage Plans in California | Affordable Health Insurance||California Medicaid|
||$269||Medicare Advantage Plans in Colorado | Affordable Health Insurance||Colorado Medicaid|
||$419||Medicare Advantage Plans in Connecticut | Affordable Health Insurance||Connecticut Medicaid|
||$400||Medicare Advantage Plans in Delaware | Affordable Health Insurance||Delaware Medicaid|
||$346||Medicare Advantage Plans in Florida | Affordable Health Insurance||Florida Medicaid|
||$304||Medicare Advantage Plans in Georgia | Affordable Health Insurance||Georgia Medicaid|
||$313||Medicare Advantage Plans in Hawaii | Affordable Health Insurance||Hawaii Medicaid|
||$323||Medicare Advantage Plans in Idaho | Affordable Health Insurance||Idaho Medicaid|
||$331||Medicare Advantage Plans in Illinois | Affordable Health Insurance||Illinois Medicaid|
||$316||Medicare Advantage Plans in Indiana | Affordable Health Insurance||Indiana Medicaid|
||$347||Medicare Advantage Plans in Iowa | Affordable Health Insurance||Iowa Medicaid|
||$346||Medicare Advantage Plans in Kansas | Affordable Health Insurance||Kansas Medicaid
|$315||Medicare Advantage Plans in Kentucky | Affordable Health Insurance||Kentucky Medicaid|
||$408||Medicare Advantage Plans in Louisiana | Affordable Health Insurance||Louisiana Medicaid|
||$221||Medicare Advantage Plans in Maryland | Affordable Health Insurance||Maryland Medicaid|
||$302||Medicare Advantage Plans in Massachusetts | Affordable Health Insurance||Massachusetts Medicaid|
||$251||Medicare Advantage Plans in Michigan | Affordable Health Insurance||Michigan Medicaid|
||$290||Medicare Advantage Plans in Minnesota | Affordable Health Insurance||Minnesota Medicaid|
||$408||Medicare Advantage Plans in Mississippi | Affordable Health Insurance||Mississippi Medicaid|
||$355||Medicare Advantage Plans in Missouri | Affordable Health Insurance||Missouri Medicaid|
||$331||Medicare Advantage Plans in Montana | Affordable Health Insurance||Montana Medicaid|
||$446||Medicare Advantage Plans in Nebraska | Affordable Health Insurance||Nebraska Medicaid|
||$279||Medicare Advantage Plans in Nevada | Affordable Health Insurance||Nevada Medicaid|
||$264||Medicare Advantage Plans in New Hampshire | Affordable Health Insurance||NH Medicaid | New Hampshire Department of Health and Human Services|
||$349||Medicare Advantage Plans in New Jersey | Affordable Health Insurance||New Jersey Medicaid|
||$259||Medicare Advantage Plans in New Mexico | Affordable Health Insurance||New Mexico Medicaid|
||$429||Medicare Advantage Plans in New York | Affordable Health Insurance||New York State Medicaid|
||$342||Medicare Advantage Plans in North Carolina | Affordable Health Insurance||NC Medicaid|
||$288||Medicare Advantage Plans in North Dakota | Affordable Health Insurance||North Dakota Medicaid|
||$307||Medicare Advantage Plans in Ohio | Affordable Health Insurance||Ohio Medicaid|
||$355||Medicare Advantage Plans in Oklahoma | Affordable Health Insurance||Oklahoma Medicaid|
||$329||Medicare Advantage Plans in Oregon | Affordable Health Insurance||Oregon Medicaid|
||$270||Medicare Advantage Plans in Pennsylvania | Affordable Health Insurance||Pennsylvania Medicaid|
||$240||Medicare Advantage Plans in Rhode Island | Affordable Health Insurance||Rhode Island Medicaid|
||$339||Medicare Advantage Plans in South Carolina | Affordable Health Insurance||South Carolina Medicaid|
||$434||Medicare Advantage Plans in South Dakota | Affordable Health Insurance||South Dakota Medicaid|
||$338||Medicare Advantage Plans in Tennessee | Affordable Health Insurance||TennCare Medicaid|
||$306||Medicare Advantage Plans in Texas | Affordable Health Insurance||Texas Medicaid|
||$289||Medicare Advantage Plans in Utah | Affordable Health Insurance||Utah Medicaid|
||$571||Medicare Advantage Plans in Vermont | Affordable Health Insurance||Vermont Medicaid Portal|
|$343||Medicare Advantage Plans in Virginia | Affordable Health Insurance||Virginia Medicaid|
||$287||Medicare Advantage Plans in Washington | Affordable Health Insurance||Washington Medicaid|
||$348||Medicare Advantage Plans in the District of Columbia (Washington, D.C.) | Affordable Health Insurance||Washington, D.C., Medicaid|
||$621||Medicare Advantage Plans in West Virginia | Affordable Health Insurance||West Virginia Medicaid|
||$325||Medicare Advantage Plans in Wisconsin | Affordable Health Insurance||Medicaid in Wisconsin|
||$507||Medicare Advantage Plans in Wyoming | Affordable Health Insurance||Wyoming Medicaid|
Tammy Burns is an experienced health insurance advisor. She earned her nursing degree in 1990 from Jacksonville State University, obtained her insurance billing and coding certification in 1995, and holds a health and life insurance license in Alabama, Georgia, Iowa, Mississippi, and Tennessee. Burns is Affordable Care Act (ACA)-certified for health insurance and other ancillary, life, and annuity products. She maintains an active nursing license and practices private-duty nursing.
Burns’ background as a nurse, insurance biller and coder, and insurance consultant includes infectious disease, oncology, gynecology, phlebotomy, post operative, family medicine, geriatrics, home health, hospice, human resources, management, billing, coding, claims, fixed annuities, group and individual health and life products, and Medicare. She’s always been driven by a desire to help people, spending more than 25 years as a practicing nurse in hospitals, private doctors’ offices, home health, and hospice. As a nurse, Burns supported patients filing insurance claims with Medicare, Medicaid, and private insurance companies as well as responding to billing questions from confused patients.
Seeing firsthand how unsuspecting patients are frequently confused by an overly complex system they don’t understand led Burns to become an insurance agent and health care consultant, now helping people understand the medical system. Since becoming an insurance agent in 2013, she has worked with some of the largest and most reputable insurance carriers and agencies in the nation, and she has built a large and loyal clientele by way of her commitment to transparency and personalized service.