I’m looking for ways to get more affordable health insurance. The cheapest plan I found through Covered California is $229 a month.
I’m a 28-year-old male, single, and making between $60K-$70K working two server jobs. Since neither of my jobs offers full-time benefits, I have to find my own insurance.
Would it be worth looking into private insurance, or is that usually more expensive? I mainly need coverage for annual physicals and will be starting PreP soon, but other than that, I just want insurance for emergencies.
I get that you’re looking for something cheaper, but honestly, $229 a month is pretty reasonable compared to other options. If this plan is fully ACA-compliant, it’s probably your best bet.
Since you’re healthy, going with the lowest-cost plan makes sense. Just keep in mind that health insurance is mostly there to protect you in case of an emergency.
If you find a private insurance plan for less than $229 per month, be very careful—it’s probably a scam or a limited-coverage plan that won’t actually protect you when you need it.
Also, California has a penalty for not having ACA-compliant coverage, so skipping insurance or getting a junk plan could cost you more in the long run.
Honestly, $229 per month is pretty reasonable, especially for a plan that meets ACA standards. Even if you don’t use it often, it’s worth having in case of an accident or unexpected medical issue.
Just make sure you sign up before the open enrollment deadline so your coverage starts on January 1.