You're only a few clicks away from finding out if you qualify to reduce your monthly premiums based on your annual salary and number of people in your household. Check out this chart from Healthcare.gov to find out.
Health insurance protects you from unexpected, high medical costs. You also pay less for covered in-network care because of our partnership with providers throughout our dedicated network and the Avera Health system. You receive free preventive care, including wellness exams and vaccines and, depending on your age, preventive screenings like mammography and colon tests.
Find an agent to discover what type of plan works best for you.
For example, you may consider a Bronze plan with affordable co-pays so you know exactly how much you'll pay when you do go to the doctor. Plans with a higher deductible will have lower monthly premiums. Make sure you understand plans that have you pay a co-insurance at the doctor’s office as this will be a percentage – and sometimes this is hard to predict.
You can stay on your parents’ plan until you turn 26 years old. If you consider getting a plan on your own, depending on your household size and income, you may qualify for premium tax credits to reduce your monthly premium and/or lower out-of-pocket costs.
Congratulations! This is an exciting time in your life, and you're taking an important step by looking for health coverage. First of all, identify your monthly budget and how much you can afford to pay each month for your premium.
Note: If you have an annual income of less than $96,000 for a family of four, you may be eligible for tax credits and cost reductions. However, if coverage is available through an employer, you may not be eligible for tax credits.
Without health insurance, non-surgical treatment for broken leg typically costs $2,500 or more for a fracture that requires a cast. X-rays average $210 according to health.costhelper.com. If you need surgical treatment for a broken leg, it will typically cost you $17,000 to $35,000 or more.
If you have health insurance at the time of your visit, the rest will depend on your co-pay and where you are with your year-to-date deductible and annual out-of-pocket cost. (This is where having a low-deductible plan is beneficial.) Yet the cost will be significantly less than without health insurance.
Learn More About Costs With and Without Insurance