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.

The cost of health insurance is one of the biggest concerns for individuals and families when choosing a plan. And while it’s a simple question, the answer isn’t one size fits all. In reality, your monthly premium can vary quite a bit depending on your personal situation, the type of plan you choose, and whether you qualify for financial assistance. Here’s a closer look at what impacts the cost of health insurance. What Affects Your Monthly Health Insurance Premium? Several key factors go into determining how much you’ll pay each month: Your Age: In general, older individuals pay higher premiums than younger ones. This is because healthcare usage tends to increase with age. Your Location: Where you live matters. Health insurance costs can vary by state, and even by county. Local healthcare costs, provider availability, and competition between insurers all play a role. Your Income: Your income is especially important if you’re purchasing coverage through the Health Insurance Marketplace. Many individuals and families qualify for subsidies that can significantly lower monthly premiums. Your Family Size: The more people you cover on your plan, the higher your total premium will be. However, there are limits on how much insurers can charge for children under a certain age. The Type of Plan: Different plan structures come with different costs and flexibility: HMO (Health Maintenance Organization): Lower premiums, but requires you to stay in-network and get referrals PPO (Preferred Provider Organization): More flexibility to see specialists and out-of-network providers, usually with higher premiums EPO (Exclusive Provider Organization): A mix of both, with no out-of-network coverage except emergencies The Level of Coverage (Metal Tiers): Marketplace plans are divided into four tiers: Bronze: Lowest monthly premium, highest out-of-pocket costs Silver: Moderate premium and costs, and the only tier eligible for extra savings (CSRs) Gold: Higher premium, lower out-of-pocket costs Platinum: Highest premium, lowest costs when you receive care Choosing the right tier depends on how often you expect to use healthcare services. What About Deductibles and Out-of-Pocket Costs? Your monthly premium is only part of the picture. It’s also important to understand: Deductible: What you pay before insurance starts covering costs Copayments and Coinsurance: Your share of costs for doctor visits, prescriptions, and services Out-of-Pocket Maximum: The most you’ll pay in a year before your plan covers 100% of covered services Sometimes a plan with a lower monthly premium may end up costing more overall if you need frequent care. Financial Help That Can Lower Your Costs One of the biggest benefits of the Affordable Care Act is that many people don’t pay full price for coverage. Advance Premium Tax Credits (APTCs) These credits lower your monthly premium based on your income and household size. In many cases, they can make coverage far more affordable than expected. Cost-Sharing Reductions (CSRs) If you qualify, CSRs reduce your out-of-pocket costs like deductibles and copays, but only if you choose a Silver plan. So, How Much Does Health Insurance Cost? While costs vary, many individuals are surprised to find that after subsidies, their monthly premium can be much lower than expected. The only way to know for sure is to look at plans tailored to your situation. Find the Right Plan for Your Needs Health insurance isn’t just about finding the lowest price. It’s about finding the right balance between your monthly premium and what you’ll pay when you actually use your coverage. Reach out today for a personalized quote and expert guidance.

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.

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.