How Much Does Aetna Health Insurance Cost per Month?

Individual and Family

How Much Does Aetna Health Insurance Cost per Month?

Published on December 14, 2018

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As the year draws to a close, it’s time to start thinking about next year’s health insurance choices. It’s important to conduct detailed research now, since you’ll likely have to live with your insurance decision until the next open enrollment period a year from now. Price is always a key factor to consider when deciding on a health insurance provider. Below is some price information about Aetna, one of the nation’s largest managed care companies. It’s important to remember, however, that Aetna no longer sells Affordable Care Act (ACA) policies, having pulled out of the Obamacare market in 2017. Aetna’s non-ACA-compliant policies are available through the company and from eHealth.com.

How much is Aetna health insurance?

Among eHealth shoppers, the average premium for an ACA-compliant health insurance in 2018 was $465.86 for an individual plan, although insurance costs can vary significantly depending on the kind of plan you choose, the benefits included and your location.
In 2017, the last year Aetna sold ACA-compliant individual health insurance plans, premiums for plans not eligible for a subsidy averaged $525.07. Premiums plans that were eligible for a subsidy averaged $374.55, and the average cost of a dental insurance policy from Aetna averaged $64.40

Year Aetna Products at eHealth.com Avg Premium
2017 Dental Insurance $64.40
2017 Obamacare/ACA Coverage without a subsidy $525.07
2017 Obamacare/ACA Coverage with a subsidy $374.55

 

What is the difference between an individual health insurance plan and a qualified plan (Obamacare)?

It’s easy to get confused by the many available health insurance plans and options. The first choice you need to make is whether to buy an individual, non-Obamacare plan directly from an insurance company or broker like eHealth, or buy an ACA-compliant health plan through the healthcare.gov marketplace. Obamacare plans can also be purchased through eHealth.com
If you’re purchasing non-Obamacare insurance, you have the option of choosing a policy that doesn’t include all of the benefits required by the ACA. Although these plans are not eligible for health insurance subsidies, they oftentimes are more affordable than Obamacare plans.
If you decide to select an ACA-compliant plan, the plan will be required to include the following 10 essential health benefits:

  • Laboratory services
  • Emergency services
  • Prescription drugs
  • Mental health and substance use disorder services
  • Maternity and newborn care
  • Pediatric services, including oral and vision care
  • Rehabilitative and habilitative services and devices
  • Ambulatory patient services
  • Preventive and wellness services and chronic disease management
  • Hospitalization

You may be eligible for a subsidy if you decide to purchase an ACA-compliant plan. To learn more about whether you could qualify for financial assistance, click here.
A non-ACA-compliant plan that doesn’t offer all of the ACA’s essential health benefits may wind up being cheaper per month, even without a subsidy. If you are generally healthy, you may also save money by choosing a smaller amount of health insurance coverage. Although you will pay more out of pocket when you need medical care, you will also save more each month.

At eHealth, we can help find the health insurance plan that’s right for you

eHealth offers the same plans and prices available at healthcare.gov, as well as other affordable alternatives that aren’t available through the federal marketplace. We also have a prescription drug tool that can help you identify a plan that offers the best prices for your medications. In addition, our licensed agents are available to answer any questions you may have. Get started today with our simple health insurance comparison and application tool.

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