How to Find Cheap Health Insurance: 2025 Guide for Smart Shoppers

Justin Hundley
Jun 12
2 min read

Finding affordable health insurance can feel overwhelming—but it doesn’t have to be. Whether you’re self-employed, in between jobs, or just looking to save money, there are smart ways to get coverage that fits your needs and your budget.

At Mountaineer Health and Life Insurance, we specialize in helping individuals and families across West Virginia, Virginia, Ohio, Kentucky, and Florida find affordable, quality health insurance—without the hassle. Here's how to get started:

Young couple comparing affordable health insurance plans at home with a laptop — Shopping for health insurance doesn’t have to be stressful—knowing your options makes all the difference.

🧭 1. Start with the Health Insurance Marketplace

The Affordable Care Act (ACA) created the Health Insurance Marketplace, where you can shop for plans based on income, household size, and location. These plans are standardized, and many people qualify for premium tax credits (subsidies) that dramatically lower the monthly cost.

👉 Pro Tip: In 2025, more people than ever are eligible for subsidies—even if you didn’t qualify in the past.

🧾 2. Check If You Qualify for a Special Enrollment Period

Most people enroll in health insurance during Open Enrollment (November 1–January 15). But if you've had a life change—like losing Medicaid, moving, getting married, or turning 26—you may qualify for a Special Enrollment Period (SEP) and get covered now.

Why spend time asking "Do I qualify for a special enrollment period?"

We can help you determine if you qualify in minutes!

💰 3. Consider Bronze or Silver Plans for Lower Premiums

If you’re looking for cheap health insurance, Bronze plans often have the lowest premiums, though they often come with higher deductibles. If you qualify for cost-sharing reductions, a Silver plan may give you better value with lower out-of-pocket costs.

We can help you weigh the trade-offs and choose the right balance of premium vs. benefits.

🕵️ 4. Compare Plans Carefully—Don’t Just Pick the Cheapest

Cheap doesn’t always mean best. Consider:

Monthly premium
Deductible & copays
Prescription drug coverage
In-network doctors & hospitals
Additional coverage such as dental, vision, or cancer

Working with a local agent ensures you’re not stuck in a plan that looks great but doesn’t cover what you need.

🏥 5. Look at Short-Term or Temporary Coverage (When Appropriate)

If you’re between jobs or need coverage for just a few months, short-term health insurance can be an affordable bridge. These plans sometimes cost less but cover less—so they’re not right for everyone. We can explain the pros and cons to help you decide.