The truth is, there isn’t one health insurance plan that’s cheapest for every person — affordability depends on your specific circumstances, the type of coverage you want and any government subsidies you might be able to get.

Finding the cheapest insurance plan can also be complicated because you need to take into account the various ways insurance companies charge for services. If you’re looking for a low monthly payment, known as your monthly premium, that may be one consideration. The plans with the lowest monthly payments might not be your best option, though, because they tend to require higher copays or deductibles that end up costing you more out of pocket over the course of the year.

Typically, the plan with the lowest price monthly premium is cheapest only if you never rarely medical attention. Even a slightly higher monthly premium may save you thousands of dollars if you have to go to the emergency room or have a chronic condition that requires multiple doctor’s visits each year.

Health insurance offers coverage for medical bills throughout the year, including doctor’s visits and emergency care. You typically pay a premium each month for coverage and then pay a copay each time you access care. For some types of care, there is also a deductible, so you have to pay everything up to that amount before your coverage kicks in. Plans with lower premiums tend to have higher deductibles and copays.

Each state has a different list of top health insurance companies. Some insurers operate only in a few states while others may offer plans only in select counties within the state.

To find the best health plans available, contact TrueCoverage for a free assessment of your insurance needs. Our experienced insurance advisors are ready to help and can guide you to the best plan for you.

The cost of health insurance varies significantly depending on your personal circumstances and what type of coverage you want. If you qualify, you might be eligible for free or low-cost health insurance. The government also offers subsidies for people within a specific income range, and the amount you get depends on how much you make each year. TrueCoverage can help you get the maximum subsidy and find a plan that fits into your budget.

Getting free health insurance quotes through TrueCoverage requires very little personal information — all you need to provide is your age, ZIP code, number of dependents and information about tobacco usage. You can even search plans and enroll online.

TrueCoverage instantly provides a list of plans and their costs for you to options online. Of course, if you take a few more minutes to provide additional details, TrueCoverage can often find better options and save you even more money.