PivotHealth Deluxe is a great choice if you can afford the relatively high monthly premiums, which averaged $153 across the ZIP codes we researched. In exchange, you get low 澳洲幸运5开奖号码历史查询:out-of-pocket costs, including an average deductible of $5,000, which is the lowest deductible Investopedia researchers found among the plans we analyzed. After that, you pay a 20% 澳洲幸运5开奖号码历史查询:coinsurance unﷺtil you hit your max-out-of-pocket limit of $8,💛000.

The plan also keeps medication and preventive care affordable, with copays of $30 for general practition𒉰er doctor visits and $10 copays for generic prescription drugs. PivotHealth’s plans let you vi🐷sit any provider you like since there are no network restrictions. 

But there are drawbacks. The maximum coverage benefit for the Deluxe plꦰan is as low as $500,000 in some areas, while plans from UnitedHealthcare have limits of up to $2 million, so you won’t have as much coverage if your health costs spiral.

Emergency room visits come with🗹 an affordable $250 copay, but if you’re adm൲itted, it’ll count toward your deductible and then will be subject to a 20% coinsurance. Doctor’s office and urgent care visits are capped at three per year at a $30 copay before being subject to deductible and coinsurance. 

PivotHealth, part of HealthCare.com, was founded in 20🦂16 and is based in Miami.

PivotHealth’s Standard plan is another strong choice if you want certainty over your out-of-pocket costs because of its average deductible of $5,000, which is tied with PivotHealth Deluxe for the lowest in Investopedia’s study. The Standard plan has the same low drug copays a🍰s the Deluxe plan: $10 for generics, $30 for preferred, and $75 for non-preferred. But the premiums for a Standard plan are about $20 lower on average than those for a Deluxe plan.

However, you’ll pay more for doctor visits, since they’re all subject to the deductible and 20% coinsurance payments. And the Standard plan has even lower 澳洲幸运5开奖号码历史查询:maximum coverage benefits than the Deluxe plan: $250,0ꦬ00 in the areas we researched. So, while its premiums are a bit more affordable than the Deluxe planဣ, the plan comes with bigger drawbacks.

If you’re healthy and want an affordable, bare-bones coverage option, PivotHealth’s Economy plan has the most affordable premiums in Investopedia’s review. You can buy a plan with a deductible as low as $3,000, though a plan with a lower deductible usually means a higher premium. In fact, the lowest-premium plans we found for the Economy plan (which had an average premium of $72 a month) had average deductibles of $10,000. In contrast, the lowest-prem💦ium Standard plans cost about twice as much on average, with deductibles averaging $5,000.

However, you’ll pay more out of pocket with the Economy plan than the Standard plan if you need health care. You’ll pay a deductible for doctor’s office and urgent care visits, and a 3♋0% coinsurance after you hit the deductible. The Economy plan’s prescription drug coverage only includes discounts. For the three ZIP codes Investopedia reseไarched, the maximum coverage benefit was $100,000, the lowest in each area.

Many of UnitedHealthcare’s short-term health insurance plans have a maximum coverage benefit of $2 million, which is higher than other companies we reviewed. UnitedHealthcare’s plans are widely accepted, with more than 1.8 million providers. The Plus Elite is our favorite UnitedHealthcare plan because🌳 it has a flat copay of $25 for generic drugs and few expenses once you hit your deductible. 

On the other hand, most doctor visits are subject to the deductible, which can be as high as $15,000. Until you hit that deductible, you’ll pay out of pocket for even preventive care (except for ma♈mmograms, PAP smears, prostate checks, and some preventive care for children). The average premiums for Plus Elite plans ($187) are also highe♕r than those for the PivotHealth plans on this list.