Cheapest (and Best) Health Insurance in Vero Beach, FL (2024)

Your health insurance premiums are influenced by your needs, age, plan type and where you live. We examined market data to find the best health insurance providers in Vero Beach. While selecting the top insurers, we also considered plans available, claims refusal rates and monthly and maximum out-of-pocket (MOOP) expenses.

Not all health insurance companies offer every tier or plan. If only one company provides coverage in your location, compare plans and tier selections to find the best option.

We evaluated insurers in Vero Beach and their plan costs and services. Aetna takes the top spot with a monthly premium of $467 and a MOOP of $5,194. Cigna is the runner-up with a MOOP cost of $5,146 and an average monthly premium of $483.

If you do not live in Vero Beach, MoneyGeek advises considering policy options and service quality to identify the best health insurance in Florida.

Aetna provides Vero Beach residents with the best cheap health insurance, with an average monthly rate of $467 and a MOOP cost of $5,194.

Your rates are influenced by your location and how you and your provider divide medical expenses. Higher premiums are frequently linked to lower out-of-pocket costs.

The service provider with the lowest prices is not always the best. Finding the cheapest choice can be easier if you understand the connections between metal tiers, MOOP costs and plan rates as well as deductibles, co-insurance and copays.

Aetna provides the least expensive Silver health insurance policy in Vero Beach with average monthly rates of $467. Silver plans are an excellent option if pricing is your top concern since they offer mid-tier coverage and savings options. Be aware that the cheapest Florida health insurance may not necessarily be the best.

The most affordable health insurance companies in Vero Beach are presented below, alongside their typical monthly prices for every metal tier. Catastrophic plans are not included in this analysis because they are only available to persons under 30.

The cheapest Silver health insurance plan in Vero Beach is Aetna's Silver S, with an average monthly cost of $446. It features a network of doctors and hospitals and no-cost walk-in and telemedicine services.

The cheapest rates in Vero Beach range from $200 to $600 monthly. The table below lists the cheap metal tiers and their average prices. We did not include Catastrophic plans because they are only available to people under 30.

Companies consider age when determining insurance costs, and rates typically increase as you get older. The least expensive options are Bronze or Extended Bronze. Catastrophic plans are the cheapest but come with specific requirements.

Before purchasing a lower-tier policy, study a company’s provider network to avoid paying for out-of-network services. The following list includes some of the most affordable Silver plan providers in Vero Beach.

Your age and the metal tier you select will affect the price of your health insurance. Your rates will increase as you age, and higher metal tiers have more expensive premiums.

The graph below includes the average health insurance rates in Vero Beah according to metal tier and age group.

You may qualify for government health insurance programs, depending on your income. The FPL range for qualification is usually between 100% and 400%. Until 2025, people earning more than 400% of the FPL under the American Rescue Plan Act and the Inflation Reduction Act can qualify.

For individuals who qualify, Medicaid and Medicare offer reasonable options for medical insurance. If your salary is between 100% and 150% of the FPL, and your age may preclude you from Medicare, you could still be eligible for Medicaid or the Children's Health Insurance Program (CHIP). Remember that each state has a different minimum income criterion.

We have addressed some of the most frequently asked questions to help you select the best health insurance plan in Vero Beach.