Everyone wants to find a great deal, and health insurance is no exception. But when it comes to finding the “cheapest” plan, it’s important to look beyond just the monthly premium. A plan that looks affordable upfront can end up costing you more later if you need care. The ch eapest health insurance plans are usually those with the lowest monthly premiums, but they often come with higher deductibles and out-of-pocket costs. These are commonly known as high-deductible health plans (HDHPs). For people who are generally healthy and don’t expect to use medical services, these plans can make sense. However, if you have ongoing health needs or unexpected medical issues arise, the costs can add up quickly. Common Low-Cost Health Insurance Options If you’re looking for more affordable coverage, here are a few options that are typically considered the “cheapest”: Catastrophic Health Plans These plans offer very low monthly premiums but come with very high deductibles. They are designed to protect you in worst-case scenarios, like serious illness or injury. Catastrophic plans are usually only available to individuals under age 30 or those who qualify for a hardship exemption. Bronze Plans Bronze plans are the lowest-cost tier available through the ACA Marketplace. They have lower monthly premiums but higher out-of-pocket costs when you receive care. These plans can be a good option if you want basic coverage and are comfortable paying more when you actually use services. Medicaid For individuals and families who qualify based on income, Medicaid provides free or very low-cost health coverage. It’s one of the most affordable options available and offers comprehensive benefits. What to Consider Beyond the Monthly Premium While it’s tempting to focus only on what you’ll pay each month, it’s just as important to understand the other costs that come with a plan: Deductible This is the amount you must pay out of pocket before your insurance starts covering services. Copayments and Coinsurance These are your share of the costs after you meet your deductible, such as payments for doctor visits, prescriptions, or procedures. Out-of-Pocket Maximum This is the most you’ll have to pay in a year for covered services. Once you reach this limit, your insurance covers 100% of eligible costs. Network Make sure your preferred doctors, specialists, and hospitals are included in the plan’s network. Going out of network can significantly increase your costs. The Bottom Line The cheapest health insurance plan isn’t always the best plan. The right choice depends on your health needs, how often you expect to use care, and what you can realistically afford if something unexpected happens. Taking the time to compare both monthly premiums and potential out-of-pocket costs can help you find a plan that truly fits your budget and gives you peace of mind.

As 2026 begins, we’re excited to spotlight an organization whose mission touches hearts around the world: St. Jude Children’s Research Hospital. Founded on the belief that no child should die in the dawn of life, St. Jude leads the way in research and treatment for pediatric catastrophic diseases — especially childhood cancers — while ensuring that families never receive a bill for treatment, travel, housing, or food. This remarkable approach allows families to focus on what matters most: helping their children live. For more than six decades, St. Jude’s groundbreaking work has transformed pediatric care, increasing childhood cancer survival rates from around 20% when it opened to more than 80% today. Researchers and clinicians at St. Jude share discoveries freely with hospitals worldwide so that every child, wherever they live, can benefit from lifesaving advances. Families from all 50 states and beyond come to St. Jude for hope, care, and cutting‑edge treatment that wouldn’t otherwise be possible. At Maher Insurance, we are inspired by St. Jude’s commitment to children and families facing overwhelming challenges. For every referral received, Maher Insurance will donate $10 to support this vital mission — helping drive cures and care for children who need it most. As you think about the year ahead, consider nominating someone you care about for a no‑obligation insurance quote with Maher Insurance. It’s a simple way to protect the people you love and support an organization that’s making a lasting difference for children and families everywhere.

On any given day in South Florida, thousands of families face the gnawing worry of an empty fridge or an uncertain next meal. At Maher Insurance, we’ve seen how small acts can ripple into real change, which is why we’re proud to support Feeding South Florida, a nonprofit dedicated to ending hunger and bringing hope to our neighbors. Feeding South Florida works tirelessly across Palm Beach, Broward, Miami-Dade, and Monroe counties to provide nutritious food to children, seniors, and families in need. From weekend backpack programs for students to senior meal deliveries, their initiatives ensure that no one goes without the essentials needed to thrive. Each meal distributed is more than nourishment — it’s dignity, care, and a tangible reminder that someone in their community cares. This quarter, Maher Insurance invites you to join us in supporting this vital mission. For every referral we receive, we’ll donate $10 to Feeding South Florida. There’s no obligation — simply refer a friend, family member, or neighbor for a no-obligation insurance quote, and your small gesture will help provide meals for those who need them most. Imagine the difference: a simple referral helping a child return to school nourished, a senior enjoy a healthy dinner, or a family rest easy knowing someone is looking out for them. Together, we can transform connections into care — ensuring our South Florida neighbors face the future with hope, not hunger.

Every life has value—and at Cleveland Animal Protective League , even the smallest pawprint leaves a lasting impact. That’s why Maher Insurance is proud to announce our newest Community Cause campaign in support of the Cleveland APL, a vital organization that has been protecting, healing, and rehoming animals since 1913. For every referral we receive, we will donate $10 to the Cleveland APL to help further their mission. Cleveland APL gives voice to the voiceless. Each year, thousands of animals in need find shelter, medical care, and second chances through their dedicated programs. From rescuing neglected pets to providing spay/neuter services and running their innovative “Project CARE” to keep animals with the families who love them—their work is rooted in compassion and fueled by community. But with rising costs and growing demand, their resources are stretched. The need for food, veterinary supplies, and safe shelter has never been greater. That’s where you come in. When you refer someone to Maher Insurance for a quote, you’re not only helping them protect what matters—you’re helping save lives. No purchase is necessary. One referral = one donation. Together, we can make a real difference—for the animals still waiting, for the families who adore them, and for a community that believes every tail deserves a happy ending. Refer today. Give hope. Be a part of something truly meaningful.

A dog’s eyes tell a story—of love, of hope, and sometimes, of unimaginable hardship. Abandoned, neglected, or left behind, thousands of dogs each year face uncertain fates. But at Big Dog Ranch Rescue, they are given a second chance—a chance to heal, to trust again, and to find the loving homes they deserve. Since 2008, Big Dog Ranch Rescue has saved over 73,000 dogs, operating as the largest cage-free, no-kill rescue in the country. Their mission goes beyond rescue—they educate communities, advocate for stronger animal welfare laws, and provide free sterilization services to prevent future suffering. Each wagging tail that leaves their care is a victory, a testament to their unwavering commitment. Maher Insurance is proud to stand with this incredible organization as part of our Community Cause campaign. For every referral we receive, we will donate $10 to Big & Small Dog Ranch Rescue, ensuring that more dogs receive the care, rehabilitation, and love they need. This is more than a donation—it’s a chance for a once-forgotten dog to feel safe in someone’s arms. It’s hope for a pup who has never known kindness. Join us in making a difference. Together, we can help end dog homelessness and create a world where every tail has the chance to wag with joy.