How to lower your health insurance costs

Did you know that medical debt is the leading cause of bankruptcy in the United States?

Data from the Peterson-KFF Health System Tracker suggests roughly 100 million adults are carrying medical debt today.

Those bills often come from unpredictable, unavoidable expenses — like ambulance rides, hospital care, surgery, pricey prescription drugs, trips to the emergency room and hospital stays.

That’s why having the right coverage in place matters. With U65 Health Insurance, you can compare plans from multiple providers in minutes and see which option fits your needs — and your budget — in less than five minutes.

Why comparing plans matters

In the U.S., most people under 65 get coverage through their employer. But if you're self-employed, a contractor, or between jobs, you’re often left to navigate the private market alone.

This is where many Americans overpay. They either choose the first plan they see or stick with an old plan that has hiked its rates.

By using a comparison tool, you can often find a plan with similar benefits at a significantly lower price point.

How U65 Health Insurance simplifies the search

U65 Health Insurance is designed for any American under the age of 65, including those with pre-existing conditions.

Instead of spending hours jumping from one insurance site to another, you can see all your options in one place.

Finding an affordable policy is easy, fast and free:

• Enter your details: Just input your Zip code, age range and household income.

• Review your matches: U65 sorts through insurance companies in your area — like Aetna, Kaiser, Blue Shield of California, and Oscar Health — to find the best options for your specific budget.

• Secure your quote: Once you pick your preferred coverage, you can get a quote in less than five minutes.

Understanding your options

Before you sign on the dotted line, it helps to understand the major types of plans you’ll encounter:

HMOs (Health Maintenance Organizations): These are generally the most affordable plans but require you to stay in-network and get referrals for specialists.

PPOs (Preferred Provider Organizations): These offer the most freedom. You can see specialists without a referral and get partial coverage for out-of-network doctors.

EPOs (Exclusive Provider Organizations): A middle-ground option that doesn't require referrals but generally won't pay for any out-of-network care.

HDHPs (High-Deductible Health Plans): These feature low premiums and are often paired with a Health Savings Account (HSA), which allows you to save for medical costs tax-free.