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",{"type":770,"content":777},[778],{"type":18,"content":779},[780,786,788],{"text":781,"type":22,"marks":782},"One in every ",[783],{"type":129,"attrs":784},{"color":785},"#4D5158",{"text":787,"type":22},"10",{"text":789,"type":22,"marks":790}," Americans doesn’t have any health insurance coverage.",[791],{"type":129,"attrs":792},{"color":785},{"type":770,"content":794},[795],{"type":18,"content":796},[797],{"text":798,"type":22},"America’s healthcare system is expensive, and private plans are still the primary way of covering healthcare bills.  ",{"type":770,"content":800},[801],{"type":18,"content":802},[803],{"text":804,"type":22,"marks":805},"Certain alternatives to health insurance might be better placed to help you cut down on your expenses while still getting adequate care. ",[806],{"type":129,"attrs":807},{"color":785},{"type":770,"content":809},[810],{"type":18,"content":811},[812,817],{"text":813,"type":22,"marks":814},"Speaking to a financial advisor",[815],{"type":31,"attrs":816},{"href":55,"uuid":34,"anchor":34,"target":34,"linktype":36},{"text":818,"type":22}," helps you navigate the complex world of insurance and make the right financial choice for you and your family.  ","company-summary-rich-text",{"id":34,"alt":34,"name":12,"focus":34,"title":34,"source":34,"filename":12,"copyright":34,"fieldtype":821,"meta_data":822},"asset",{},"Key takeaways","company-summary-box","white",{"_uid":827,"data":828,"component":865},"9261fb64-8555-4f1e-9aae-2f62e3e6187d",{"type":15,"content":829},[830,837,849,861],{"type":831,"attrs":832,"content":834},"heading",{"level":833},2,[835],{"text":836,"type":22},"How much is health insurance?",{"type":18,"content":838},[839,841,847],{"text":840,"type":22},"According to the most recent ",{"text":842,"type":22,"marks":843},"official figures",[844],{"type":31,"attrs":845},{"href":846,"uuid":34,"anchor":34,"target":35,"linktype":36},"https://www.census.gov/library/publications/2024/demo/p60-284.html",{"text":848,"type":22},", nearly one in ten Americans (8%) were without health insurance in 2023 despite its importance as a source of proper medical care.",{"type":18,"content":850},[851,853,859],{"text":852,"type":22},"When surveyed, most respondents said that their reasons for not having health insurance are financial. This is understandable, given that the ",{"text":854,"type":22,"marks":855},"average monthly cost of health insurance",[856],{"type":31,"attrs":857},{"href":858,"uuid":34,"anchor":34,"target":35,"linktype":36},"https://www.valuepenguin.com/average-cost-of-health-insurance",{"text":860,"type":22},", as of 2025, is $621.",{"type":18,"content":862},[863],{"text":864,"type":22},"Higher earners may find this amount manageable, but the figure becomes of increasing financial concern the more it is deducted from a person’s overall salary.","article-rich-text",{"_uid":867,"data":868,"component":865},"350416f8-76e8-40e1-9e04-b0a4b399c5c5",{"type":15,"content":869},[870,875,894,900,930,934,939,943,947,951,961,965,970,974,978,982],{"type":831,"attrs":871,"content":872},{"level":833},[873],{"text":874,"type":22},"What are the traditional healthcare options?",{"type":18,"content":876},[877,879,892],{"text":878,"type":22},"When choosing the right ",{"text":880,"type":22,"marks":881},"health insurance",[882],{"type":31,"attrs":883},{"href":884,"uuid":885,"anchor":34,"target":886,"linktype":74,"story":887},"/discover/insurance/what-is-health-insurance-and-how-does-it-work","9596e823-de83-4d68-acd4-d20e5d918f3f","_blank",{"name":888,"id":889,"uuid":885,"slug":890,"url":891,"full_slug":891,"_stopResolving":558},"What is health insurance and how does it work?",228074253,"what-is-health-insurance-and-how-does-it-work","discover/insurance/what-is-health-insurance-and-how-does-it-work",{"text":893,"type":22},", there are many things to consider and numerous options available. ",{"type":831,"attrs":895,"content":897},{"level":896},3,[898],{"text":899,"type":22},"Private healthcare",{"type":18,"content":901},[902,904,908,910,914,916,928],{"text":903,"type":22},"Private healthcare options like ",{"text":905,"type":22,"marks":906},"HMOs",[907],{"type":38},{"text":909,"type":22}," (Health Maintenance Organizations) and ",{"text":911,"type":22,"marks":912},"PPOs",[913],{"type":38},{"text":915,"type":22}," (Preferred Provider Organizations) offer more choice and coverage than non-private plans, including shorter waiting times and more specialized treatment options, but these things ",{"text":917,"type":22,"marks":918},"come at a cost",[919],{"type":31,"attrs":920},{"href":921,"uuid":922,"anchor":34,"target":886,"linktype":74,"story":923},"/discover/insurance/what-is-the-average-cost-of-health-insurance","e33c16b4-518f-4177-a5ee-f4d4c42a77dc",{"name":924,"id":925,"uuid":922,"slug":926,"url":927,"full_slug":927,"_stopResolving":558},"What is the average cost of health insurance? 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",{"type":18,"content":948},[949],{"text":950,"type":22},"While these options do help, they can be challenging to budget for as you’re charged based on the amount of medical care you end up needing. ",{"type":18,"content":952},[953,959],{"text":954,"type":22,"marks":955},"Medicaid",[956],{"type":31,"attrs":957},{"href":958,"uuid":34,"anchor":34,"target":886,"linktype":36},"https://www.kff.org/medicaid/issue-brief/status-of-state-medicaid-expansion-decisions-interactive-map/",{"text":960,"type":22}," is probably the best of the sponsored state and federal options, especially now that 39 states have expanded the parameters regarding who is eligible for Medicaid. ",{"type":18,"content":962},[963],{"text":964,"type":22},"It guarantees financial protection for a wide range of care costs, although not all emergencies or surgeries are covered.  ",{"type":831,"attrs":966,"content":967},{"level":896},[968],{"text":969,"type":22},"Children’s Health Insurance Program (CHIP)",{"type":18,"content":971},[972],{"text":973,"type":22},"There’s also the Children’s Health Insurance Program (CHIP), which provides medical coverage to children whose families earn too much to be eligible for Medicaid but not enough to pay for private health insurance. ",{"type":18,"content":975},[976],{"text":977,"type":22},"CHIP covers doctor visits, dental care, vision care, prescriptions, and more. ",{"type":18,"content":979},[980],{"text":981,"type":22},"Although these options cover most bases, they don’t suit everyone’s needs. ",{"type":18,"content":983},[984],{"text":804,"type":22},{"_uid":986,"data":987,"component":865},"e9b70cf0-44f8-4eb1-9e75-ca19e1d43a0d",{"type":15,"content":988},[989,994,998,1003,1007,1011,1015,1019,1023,1028,1032,1036,1040,1044,1049,1053,1057,1061,1065,1069,1074,1078,1082,1086,1090,1094,1099,1103],{"type":831,"attrs":990,"content":991},{"level":833},[992],{"text":993,"type":22},"4 health insurance alternatives",{"type":18,"content":995},[996],{"text":997,"type":22},"If you want to explore your other options, here are four alternative medical insurance plans to consider: ",{"type":831,"attrs":999,"content":1000},{"level":896},[1001],{"text":1002,"type":22},"Primary care membership",{"type":18,"content":1004},[1005],{"text":1006,"type":22},"A primary care membership is like any other subscription service. You pay a monthly fee to an independent physician, and they agree to provide you with specific medical services. ",{"type":18,"content":1008},[1009],{"text":1010,"type":22},"Those medical services are basic but necessary, given how expensive the average doctor’s appointment is. ",{"type":18,"content":1012},[1013],{"text":1014,"type":22},"You also have a choice of your primary care physician and have access to almost an unlimited number of visits. And procedures like blood tests are covered. ",{"type":18,"content":1016},[1017],{"text":1018,"type":22},"On the downside, a primary care membership doesn’t cover costs for any surgeries you might need or any hospitalizations you might experience. (If, for example, you frequently need to visit the hospital, this might not be the best plan for you.) ",{"type":18,"content":1020},[1021],{"text":1022,"type":22},"Plus, memberships differ quite widely – just because certain expenses are covered under one plan doesn’t mean they are under another.  ",{"type":831,"attrs":1024,"content":1025},{"level":896},[1026],{"text":1027,"type":22},"Cost-sharing program ",{"type":18,"content":1029},[1030],{"text":1031,"type":22},"Cost-sharing programs are a great initiative in which a group of individuals pays into a fund that then pays for the medical bills of all the group’s members. ",{"type":18,"content":1033},[1034],{"text":1035,"type":22},"When a medical problem arises, you can get your bills reimbursed through the fund. The monthly premiums in a cost-sharing program are much lower than in a traditional plan, and these programs frequently agree on discounts with hospitals and doctors.  ",{"type":18,"content":1037},[1038],{"text":1039,"type":22},"That said, families can still end up paying as much as $1,000 monthly, and there is also an unshared portion that all members must pay. ",{"type":18,"content":1041},[1042],{"text":1043,"type":22},"Plus, many cost-sharing plans are religious or faith-based, so if you’re not open to this, you may prefer to steer clear.",{"type":831,"attrs":1045,"content":1046},{"level":896},[1047],{"text":1048,"type":22},"Discount card ",{"type":18,"content":1050},[1051],{"text":1052,"type":22},"Discount cards offer reductions on medical treatments and prescriptions that are larger than they would be in other plans. ",{"type":18,"content":1054},[1055],{"text":1056,"type":22},"They frequently enable you to save up to 80% on healthcare, which can be used towards costs not covered by whatever healthcare plan you have. Generally, they only cost $10–20 per month.  ",{"type":18,"content":1058},[1059],{"text":1060,"type":22},"Discount cards don’t cover primary care costs, so you ideally still need a primary health plan in place. ",{"type":18,"content":1062},[1063],{"text":1064,"type":22},"Plus, you can only get discounts from a care provider if they’re within your specific plan’s network. ",{"type":18,"content":1066},[1067],{"text":1068,"type":22},"If you decide to look into getting a discount card, watch out for scams and make sure the card is legitimate before committing to a purchase.  ",{"type":831,"attrs":1070,"content":1071},{"level":896},[1072],{"text":1073,"type":22},"Health Savings Account (HSA) ",{"type":18,"content":1075},[1076],{"text":1077,"type":22},"If you’re enrolled in a High-Deductible Health Plan (HDHP), you have access to a Health Savings Account (HSA). ",{"type":18,"content":1079},[1080],{"text":1081,"type":22},"The HSA is a personal savings account that you can use to cover medical costs. If you pay in cash or with a credit card, you can reimburse yourself from your HSA funds, tax-free. ",{"type":18,"content":1083},[1084],{"text":1085,"type":22},"This means that if you make contributions with after-tax dollars, you can deduct the money from your income on your tax return. Therefore, your yearly tax bill will be lessened. ",{"type":18,"content":1087},[1088],{"text":1089,"type":22},"However, because the tax deductibles are expensive and need to be paid before they can be reimbursed, it can be tough to meet the financial requirements for a costly medical procedure. ",{"type":18,"content":1091},[1092],{"text":1093,"type":22},"An HSA is the closest option to a traditional health insurance plan – definitely not cheap – but it’s still more affordable, comparatively, month-on-month. ",{"type":831,"attrs":1095,"content":1096},{"level":833},[1097],{"text":1098,"type":22},"Get expert financial advice",{"type":18,"content":1100},[1101],{"text":1102,"type":22},"Choosing the right health insurance provides essential medical coverage and financial protection. ",{"type":18,"content":1104},[1105,1109,1115],{"text":1106,"type":22,"marks":1107},"A financial advisor can help you make confident financial decisions. Answer a few simple questions and Unbiased will connect you with an SEC-regulated advisor perfectly suited to meet your needs. ",[1108],{"type":38},{"text":1110,"type":22,"marks":1111},"Get started here",[1112,1114],{"type":31,"attrs":1113},{"href":55,"uuid":34,"anchor":34,"target":35,"linktype":36},{"type":38},{"text":929,"type":22,"marks":1116},[1117],{"type":38},[1119],{"_uid":1120,"image":1121,"title":1127,"subtitle":12,"component":1139,"breadcrumbs":558},"7258534c-6542-4ae2-bfde-cd263bf80204",{"id":1122,"alt":1123,"name":12,"focus":12,"title":1124,"source":12,"filename":1125,"copyright":12,"fieldtype":821,"meta_data":1126,"is_external_url":543},11644332,"Square shaped blocks with medical related icons on them","Health insurance alternatives","https://a.storyblok.com/f/185166/899x480/a070e4dd18/health-insurance-alternatives.webp",{},{"type":15,"content":1128},[1129],{"type":18,"content":1130},[1131,1133],{"text":1132,"type":22},"Four alternatives to ",{"text":1134,"type":22,"marks":1135},"traditional health insurance",[1136],{"type":25,"attrs":1137},{"class":1138},"primary-gradient","app-hero",{"type":15,"content":1141},[1142],{"type":18},{"name":1144,"created_at":1145,"published_at":1146,"updated_at":1147,"id":1148,"uuid":1149,"content":1150,"slug":1161,"full_slug":1162,"sort_by_date":34,"position":1163,"tag_list":1164,"is_startpage":543,"parent_id":1165,"meta_data":34,"group_id":1166,"first_published_at":1167,"release_id":34,"lang":730,"path":34,"alternates":1168,"default_full_slug":34,"translated_slugs":34,"_stopResolving":558},"Andrew Michael","2024-12-12T14:38:57.991Z","2025-01-28T11:53:05.120Z","2025-01-28T11:53:05.154Z",594845712,"51e5cc26-cf3f-44ed-aafe-a1a62ee99787",{"job":1151,"_uid":1152,"name":1144,"image":1153,"component":1157,"education":1158,"expertise":1159,"description":1160},"Content Writer","a6e3129c-eeee-4438-8204-797883981521",{"id":1154,"alt":12,"name":12,"focus":12,"title":12,"source":12,"filename":1155,"copyright":12,"fieldtype":821,"meta_data":1156,"is_external_url":543},19150475,"https://a.storyblok.com/f/185166/2316x3088/3d19422433/andrew-michael.jpg",{},"article-author","University of London, BSc (Hons) in Physics","Five journalism awards, including Investment Journalist of the Year (twice), Pensions Journalist of the Year (twice), and Venture Capital Journalist of the Year.\nFormer editor-in-chief of investment titles at Financial Times Magazines.\nSpecial recognition trophy, Headlinemoney Awards 2023.\n","Andrew Michael is a multiple award-winning financial journalist and editor whose work has appeared in numerous newspapers, magazines, and online platforms, including The Times, Evening Standard Money, Financial Times, Shares, and Forbes Advisor. ","andrew-michael","authors/andrew-michael",-10,[],224651374,"e88416b7-efa8-4a91-8603-ea86e80e816e","2024-12-12T14:40:44.315Z",[],[1170,1187],{"_uid":1171,"body":1172,"title":1185,"component":1186},"628318e0-01e9-4c44-8673-bc4675b4f2b9",[1173,1177,1181],{"_uid":1174,"href":1175,"text":1176,"component":542,"openInNewWindow":558},"f6bd59a1-1907-4cdf-bfd0-f93cf6a899a4","https://www.unbiased.com/discover/insurance/what-is-health-insurance-and-how-does-it-work","What is health insurance?",{"_uid":1178,"href":1179,"text":1180,"component":542,"openInNewWindow":558},"0af4414d-8472-4c37-bd1c-062d5e00ea18","https://www.unbiased.com/discover/insurance/what-is-the-average-cost-of-health-insurance","The average cost of health insurance",{"_uid":1182,"href":1183,"text":1184,"component":542,"openInNewWindow":558},"11993dbb-1877-445c-8b91-66089291d48a","https://www.unbiased.com/discover/insurance/long-term-care-insurance-what-is-it-and-how-does-it-work","What is long-term care insurance?","Related articles","app-links-list",{"_uid":1188,"list":1189,"cta_link":1190,"cta_text":1191,"component":1192,"window_label":12,"window_title":1193},"3ec89a62-b5a4-4412-9c64-53a3146d1529","We can connect you to a financial advisor who can help you navigate the complex world of insurance. ","https://v2.unbiased.com/inquiry/financial-advisor?","Find a financial advisor ","app-banner",{"type":15,"content":1194},[1195],{"type":18,"content":1196},[1197],{"text":1198,"type":22},"Choosing a health insurance plan?",{"_uid":1200,"title":1201,"plugin":1202,"og_image":12,"og_title":12,"description":1203,"twitter_image":12,"twitter_title":12,"og_description":12,"twitter_description":12},"dfffa740-0a8b-46da-b8c4-5dcf11e349a7","Four alternatives to traditional health insurance","seo_metatags","Do you need a healthcare plan that’s more affordable than traditional American health insurance? Read on to discover your four best health insurance alternatives.","app-article",[],[1207],"65d838a3-dee3-428a-a4d1-9112a9a5f525","Do you need a healthcare plan that’s more affordable than traditional health insurance? Here’s a guide to four of the best traditional health insurance alternatives.",[],"four-alternatives-to-traditional-health-insurance","discover/insurance/four-alternatives-to-traditional-health-insurance",[],227918834,"97349b13-f787-42bd-8701-6ba7205438e9","2022-12-01T12:13:43.000Z",[],{"left":727,"top":727,"width":1218,"height":1218,"rotate":727,"vFlip":543,"hFlip":543,"body":1219},24,"\u003Cpath fill=\"currentColor\" d=\"M3.71 16.29a1 1 0 0 0-.33-.21a1 1 0 0 0-.76 0a1 1 0 0 0-.33.21a1 1 0 0 0-.21.33a1 1 0 0 0 .21 1.09a1.2 1.2 0 0 0 .33.21a.94.94 0 0 0 .76 0a1.2 1.2 0 0 0 .33-.21a1 1 0 0 0 .21-1.09a1 1 0 0 0-.21-.33M7 8h14a1 1 0 0 0 0-2H7a1 1 0 0 0 0 2m-3.29 3.29a1 1 0 0 0-1.09-.21a1.2 1.2 0 0 0-.33.21a1 1 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33a1.2 1.2 0 0 0 .33.21a.94.94 0 0 0 .76 0a1.2 1.2 0 0 0 .33-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1 1 0 0 0-.21-.33M21 11H7a1 1 0 0 0 0 2h14a1 1 0 0 0 0-2M3.71 6.29a1 1 0 0 0-.33-.21a1 1 0 0 0-1.09.21a1.2 1.2 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33a1.2 1.2 0 0 0 .33.21a1 1 0 0 0 1.09-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1.2 1.2 0 0 0-.21-.33M21 16H7a1 1 0 0 0 0 2h14a1 1 0 0 0 0-2\"/>",[1221,1224,1225],{"title":1222,"exact":558,"href":1223},"Home","https://www.unbiased.com",{"title":553,"exact":558,"to":552,"disabled":543},{"title":750,"exact":558,"to":1226,"disabled":558},"/discover/insurance/four-alternatives-to-traditional-health-insurance",{"left":727,"top":727,"width":733,"height":733,"rotate":727,"vFlip":543,"hFlip":543,"body":1228},"\u003Cpath fill=\"currentColor\" d=\"m181.66 133.66l-80 80a8 8 0 0 1-11.32-11.32L164.69 128L90.34 53.66a8 8 0 0 1 11.32-11.32l80 80a8 8 0 0 1 0 11.32\"/>",1777540663607]