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Tampa, Hillsborough County Health Insurance Companies
In in the Tampa area, five key companies provide health insurance of a notably high quality. These companies include Aetna, Cigna, Coventry, Humana and United Health Care, and are by far the best ones to choose from in the region. Because health insurance pricing varies from place to place, and we recommend each of these reliable companies, it is necessary to highlight the ones with the most affordable plans in Tampa. Plan premiums will vary based on age and gender, though we have found in many cases that United Health One and Coventry One usually offer the lowest prices for the best set of benefits.
Aetna
Aetna offers a variety of plans in Florida, from basic Value plans to HMOs. As one of the longest and smoothest running health insurers in the nation, and competitive within the state of Florida, Aetna is certainly one of our top recommendations. Their network gives you access to 912,000 doctors and hospitals in the state, and individual health insurance is one of their specialties. In Tampa, they offer HMO plans as well as PPOs and health savings account plans for a range of deductibles and coverage options, including prescription drugs and dental.
Cigna
Cigna has been gaining traction in the Florida health insurance market over the past three years since its introduction of individual health plans. These plans have some of the most affordable premiums you can find within the state, in any region, and Tampa/Hillsborough County is no exception. Though their plans are very simple, some Floridians are welcoming of less benefits for a lower cost if they know they will not need to use the extra services covered by other companies. Cigna’s plans in Tampa connect their members to the Cigna PPO network, and also grant the opportunity to open a health savings account with their HSA plans.
Coventry
The individual health insurance program from Coventry has been providing people all over the country with low cost, high quality coverage for many years, and helping Tampa residents afford health insurance for the past five. Their plans offer ease and simplicity as well as great prices. In the Tampa area, Coventry One offers PPO plans of various levels, and HSAs as well. We often recommend their products as they are very benefit-rich considering their price range. Coventry One also has a great network with plenty of providers to choose from.
Humana
Humana offers an incredible group of products for great prices through their individual line Humana One. For individuals and families, Humana One tends to have some of the lowest cost, most benefit-rich plans in the state of Florida, including the city of Tampa and its surrounding areas. In the Tampa region, they offer ten different HMO plans, 91 PPOs, and 29 Health Savings Account plans, giving the area an astounding number of options. With several network and pricing options, Humana One has created something for everyone in Florida.
UnitedHealthOne
UnitedHealthOne is the individual product from one of the nation’s best health insurance companies, Golden Rule, and one of the health care industry’s largest influences, United Healthcare. Together forming UnitedHealthOne, Tampa residents can usually find the lowest monthly rates for a sizable PPO network and great coverage for any demographic. They currently offer 22 different PPO plans in your area, with varying deductibles and premiums to fit many budgets. UnitedHealthOne has consistently offered low rates on policies and fair coverage through a very reputable network for many years in Florida.
Tampa Health Insurance Sample Quote
As a demonstration of both our quote engine and the cost of Tampa health plans, we have generated a sample quote for a 40-year-old couple living in Tampa who wants to purchase a plan together. As a matter of affordability, we have kept the deductible choice of $2,500 the same throughout the site when quoting, as it typically yields the best results in terms of the amount of benefits you receive for a reasonable rate. This example serves as a simple overview for a certain demographic, and we highly encourage you to get your own quote to find out what pricing will be for your specific criteria.
According to this quote, Cigna proved itself to have the best priced option for this particular couple. By offering a plan for $331 per month with instant coverage for a reasonable copay, Open Access looked very promising. With a nearly perfect member rating, this is consistently the least expensive plan in Florida for individuals. CoventryOne also provides great rates for individuals and families in this range, offering an 80 percent coverage after deductible plan with $30 office visits for $365 per month. This plan gives its members a solid amount of coverage with even less coinsurance than the previous two plans on hospital care once the deductible has been met.
UnitedHealthOne and HumanaOne always tend to be very close in plan structure and pricing, but with a $2,500 deductible difference, it is clearly United who gives the most coverage for the least amount of money in this case. When looking for a couple’s plan, it is important to notice how much the deductible increases for additional individuals. Finally, our other Tampa insurer of choice offers an HMO plan for the same deductible as the others. Aetna’s Health Network Option policy offers convenience and simplicity as your care is managed like an HMO, through your primary care doctor. Nearly every covered service is available for a copay as soon as your plan begins, and after you meet the deductible they provide 85% coverage on major medical care.
