Mobile health insurance is of course dominated by four main health insurance companies including Aetna, Blue Cross Blue Shield, Humana, and United Health One. With a population of close to 200,000 people Mobile is certainly considered a major metropolitan hub.
Mobile Health Insurance Companies and Sample Comparison Health Insurance Quote
So after running several different Mobile health insurance quotes across many demographics it becomes quite clear that the most affordable plan with the most benefits is Blue Cross of Alabama. Of course they also enjoy an unfair tax exemption, but make no mistake in Mobile you will be able to buy the most health insurance for the least money with Blue Cross.
Humana One is a close second, but their out of pocket maximum is $1,000 more per year. Basically, this means that your monthly premium will be the same from one company to the other, but you will spend an additionaly $1,000 per year with Humana One because your exposure is higher. This is only if you have claims though, so 9 years out of 10 it wouldn’t matter which company you had because the premiums are the same.
United Health One on paper is better is then Humana and is on average about 4% more in premium per year, but they have an excellent prescription plan and in Mobile their plan is very affordable, just not the most affordable.
Aetna is about 20% more then the competition so we really won’t push this plan too much unless you have medical conditions that preclude you from coverage with the other carriers. Why? Because Aetna’s underwriting is much easier then everyone elses.
