Your search for affordable Health, Medicare and Life insurance starts here.

Call us 24/7 at (800) 658-0912 or Find an Agent near you.

Affordable family insurance plans that work for your needs and budget are more accessible than ever. But searching for the right plan on your own can be confusing. Do you want to pay lower premiums with high deductibles, higher premiums with lower deductibles, or something in between? Which insurance company has a plan for you? HealthMarkets can help you navigate the right path.

Compare Family Health Plans Now

affordable family insurance plans happy smiling family

How is "Affordable" Insurance Defined?

For employer-sponsored health plans, the government considers insurance affordable if it costs 9.83% or less than an employee’s household income, not including the cost of adding family members.1 For health plans offered on the Affordable Care Act (ACA) marketplace, it’s up to individual families to review plans and decide for themselves what they can afford.

Instead of randomly reviewing quotes on multiple websites to find affordable family health insurance plans, HealthMarkets brings them all together for you in one convenient location.

We take your family’s priorities, existing healthcare providers, and more into consideration. Then, we rank plans for you — and you’ll pay the same for a plan whether you buy it from HealthMarkets or directly from the insurance company.

What Is the Least Expensive Health Insurance?

When it comes to the least expensive health insurance, there’s no one health plan that’s the lowest cost for every family. With such a wide variety of premiums, deductibles, and copays to choose from, it’s difficult to determine which health plan would be the most affordable for your family. That’s why HealthMarkets personalizes your search to help you find a plan that matches your circumstances.

Do you want to keep your current doctor? Do you want a plan that covers your current medication? Do you qualify for an ACA premium subsidy? We can help you find plans that work for you and your loved ones.

How to Save on Costs for Family Plans

In 2021, the average Affordable Care Act benchmark plan premium for an unsubsidized family of four was $1,486.The good news is that 86% of people who have ACA plans as of 2020 received a tax subsidy to lower their premiums.3 That means your monthly expenses may be lower than you expect.

How much can you lower your health insurance premium with a subsidy? Your income range, family size, and the geographical location of your residence are key factors. But an easy way to see if you qualify for a tax subsidy is to use the HealthMarkets website. Click the link to see if you’re eligible.

If you don’t qualify for a tax subsidy, another option for lower premiums is to purchase a short-term plan. These policies are typically less expensive than traditional plans, but they come with caveats. Since short-term plans don’t have to meet the requirements of the ACA, you could be denied for having a pre-existing condition and they don’t have to cover the law’s 10 essential health benefits

How Can I Get Low-Cost Health Insurance?

You can get low-cost health insurance by comparing plans with HealthMarkets. We’ve helped millions of Americans just like you find affordable family health insurance plans with coverage that fits your budget and needs. Get started reviewing your options today.


 1. “Affordable Coverage.” Retrieved from Accessed July 15, 2021. | 2. “Premiums for Plans Are Lower for Third Consecutive Year.” October 2020. Retrieved from | 3. “Marketplace Effectuated Enrollment and Financial Assistance.” KFF. 2020. Retrieved from,%22sort%22:%22asc%22%7D 

Related Information