These two plans appeal to very different families. Which plan is the cheapest depends of the family’s unique situation. For example, the silver plan might be a good choice for a family that regularly uses health care services. This is because it offers low copays and no deductible. Plus the maximum out-of-pocket costs in a policy year for in-network health care services are $3,400 (not including the premium of $89 per month).
On the other hand, the Bronze HSA plan has the benefit of providing coverage with no monthly premium. This plan may be a good fit for families that rarely use health care services or families that have already built up savings in a Health Savings Account. The family will have to pay the full cost of health care services up to $13,100. However, this plan does provide good coverage in the case of hospitalization.
When looking for cheap health insurance for your family, it’s also important to consider benefits beyond what’s listed above –
- Provider networks – For example, a family with two young children may want access to the American Family Children’s Hospital in their network
- Wellness Programs – Many health insurance plans offer robust wellness programs, even with the cheapest plan. For example, Unity reimburses up to $200 / year for working out, eating healthy and more
- e-Visits – Does the health plan contact with an outside service to handle e-Visits? Or do they use UW Health practitioners based here in Wisconsin?
Ready to start shopping for cheap family health insurance options in Wisconsin? Get a Quote to have a look at our plans. Have questions? Give us a call at 800.362.3310 to talk to one of our customer service representatives.