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You are a young, healthy person with a bright future in front of you. Despite the carefree nature of that statement, you still have some adult decisions to make. One of those decisions is about your healthcare.  You might be wondering: “what’s the best health insurance plan for a single female?” Since how you take care of yourself now will impact you in the future, let’s discuss some factors that may influence your choice of coverage.

Examine Your Health Spending

Before you begin researching the best health insurance plan for a single female, it’s important to review your personal health spending. You will want to take a look at last year’s medical bills, and even years prior, to see what your typical expenses look like. Again, if you are relatively young and healthy, these expenses should be pretty low. But if you suffer from any special conditions, or anticipate a change in health in the future, then you will want to think about the care you choose differently. Some plans allow you to have lower premiums in exchange for higher deductibles. Females who have a relatively healthy history, and who do not anticipate any major upcoming surgeries or procedures, might be inclined to go with this type of coverage. Regardless of what coverage you choose, your plan must cover a certain set of preventative services. They include things like: cervical cancer screening, chlamydia screening, blood pressure checks, and genetic counseling for the breast cancer gene.

Women do tend to use health services, and therefore their health insurance, more often than men. This may be an argument for opting for a better level of coverage, regardless of your age or health status. While you might be tempted to choose a low-premium plan if you are young, it still may cost you more money if you use services frequently. 

Find Savings

If your biggest concern is still “how much does health insurance cost for a single female”, there are cost savings through the Affordable Care Act. These subsidies allow you to obtain a tax credit toward your monthly premiums. There are also cost-sharing subsides that help to discount the amount you pay out of pocket for health services. Single females who earn a low income may qualify for these savings. If you are still unsure about what costs you can afford, there is yet another option. Females under the age of 26 can stay on a parent’s health insurance plan. Even if you were to agree to pay your parents the difference for keeping you on their plan, it would turn out to be one of the lowest cost options you can find.

Get Help

Because there are so many options when it comes to picking the best health insurance plan for a single female, it’s in your best interest to secure some professional help. Working with an insurance broker like HealthMarkets Insurance Agency will help you narrow down your options to the one that makes the most sense for you. We have an experienced group of agents that can help you understand the different cost-sharing terms when talking about how to pick the right health insurance plan. Make an investment in your future health by choosing good healthcare coverage now. HealthMarkets is here to show you how. Call us today at (855) 839-8126.


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