Health Insurance Plans – How to Find Affordable Coverage in 2025
Health Insurance Plans – How to Find Affordable Coverage in 2025 Introduction With rising medical costs, having affordable health insurance is more important than ever. This guide covers the best health insurance plans for individuals and families in 2025. Types of Health Insurance Plans 1. HMO Plans (Health Maintenance Organization) Requires choosing a primary care physician (PCP) Lower monthly premiums Limited network of doctors and hospitals 2. PPO Plans (Preferred Provider Organization) More flexibility in choosing doctors Higher monthly costs but better coverage No need for referrals 3. High-Deductible Health Plans (HDHPs) with HSAs Lower premiums but higher deductibles Ideal for healthy individuals who rarely visit doctors Compatible with a Health Savings Account (HSA) 4. Short-Term Health Insurance Temporary coverage for job transitions or emergencies Cheaper but limited benefits How to Find the Best Health Insurance Plan Compare health insur...