Best Health Insurance Plans for Individuals in 2025
Finding the right health insurance plan for yourself can be overwhelming with the many options available. Whether you’re self-employed, between jobs, or simply looking to switch to a better plan, navigating health insurance in 2025 requires understanding different plan types, coverage levels, and costs. In this post, we’ll break down some of the best individual health insurance plans for 2025, helping you make an informed decision for your health and finances.
1. UnitedHealthcare Choice Plus PPO
Why It’s Great: UnitedHealthcare continues to be a top choice for individual plans due to its wide network of providers and flexibility. The Choice Plus PPO plan allows you to visit both in-network and out-of-network providers without a referral, making it ideal for individuals who value choice in their healthcare.
Key Benefits:
Extensive nationwide network
No referral needed for specialists
First dollar benefits don’t force you to satisfy a deductible before getting healthcare
Strong telehealth options
Great for travelers and those who live in multiple states
Lower out of pocket costs compared with other plans in the same tier
Best For: Individuals who prioritize access to a wide range of doctors and specialists.
2. Aetna HMO
Why It’s Great: Aetna’s HMO plan continues to be a popular choice for individuals looking for a cost-effective, reliable health insurance option. With a strong emphasis on preventive care and affordable premiums, Aetna's HMO provides coordinated care within its extensive network of healthcare providers. Aetna boasts one of the largest HMO networks in the nation that provide excellent care at affordable prices. With their direct partnership with CVS Aetna also offers Minute Clinic care at no cost. This system ensures streamlined care and lower out-of-pocket costs.
Key Benefits:
Affordable premiums with comprehensive coverage
Access to Aetna’s large national network of doctors and hospitals
Emphasis on preventive care and wellness programs
Robust telehealth and virtual care options
Access to $0 Minute Clinic care through direct partnership with CVS
Best For: Individuals who want lower premiums, don’t mind working within a massive network, and prefer a coordinated approach to healthcare.
This plan is particularly well-suited for those looking to minimize out-of-pocket costs while maintaining access to quality care, making it one of the top HMO choices for 2025.
3. Blue Cross Blue Shield BlueCare EPO
Why It’s Great: Blue Cross Blue Shield offers a reliable EPO plan through its BlueCare network, combining affordability with strong coverage. With access to a large network of doctors and hospitals, this plan is a great option for individuals who don’t mind sticking to in-network care but still want the freedom to see specialists without a referral.
Key Benefits:
Large in-network provider list
Affordable premiums
No referral needed for in-network specialists
Strong local and regional coverage
Best For: Individuals looking for a balance between affordability and access to specialized care.
4. Cigna Open Access Plus
Why It’s Great: Cigna’s Open Access Plus plan offers the flexibility of a PPO without requiring a referral for specialists. With strong out-of-network coverage, this plan is ideal for individuals who want freedom of choice without the higher costs often associated with PPO plans.
Key Benefits:
Large national network
No referral needed for any provider
Strong preventive care services
Excellent mental health coverage
Best For: Those who want flexibility in choosing providers and out-of-network care options.
5. Oscar Health Simple Bronze
Why It’s Great: If you’re looking for a more budget-friendly option, Oscar Health’s Simple Bronze plan is an excellent choice. With lower premiums and essential coverage for preventive care, this plan is designed for healthy individuals who don’t expect to need frequent medical attention but still want protection against emergencies.
Key Benefits:
Affordable premiums
Free preventive care
Access to a user-friendly mobile app and virtual visits
24/7 telemedicine services
Best For: Individuals looking for low-cost, basic coverage.
3. What to Consider When Choosing a Health Insurance Plan
When choosing the best health insurance plan for 2025, consider the following factors:
Premiums: Your monthly cost. Lower premiums often mean higher out-of-pocket expenses when you need care.
Deductibles: The amount you must pay before your insurance starts covering services. Lower deductibles are ideal if you anticipate needing regular care.
Co-pays and Co-insurance: The costs you share for doctor visits, medications, or other services after your deductible is met.
Out-of-Pocket Maximum: The maximum amount you’ll pay in a year before insurance covers 100% of the costs.
Network: Whether the plan has a broad or restricted network of providers. If you have a preferred doctor or specialist, make sure they’re in-network.
Flexibility: Plans like PPOs and POS allow for more provider flexibility, while HMOs and EPOs typically have more limitations but lower costs.
4. Conclusion: Finding the Right Plan for You
The best health insurance plan for you in 2025 depends on your individual needs, budget, and preferences. If you prioritize flexibility and choice, a PPO plan like UnitedHealthcare Choice Plus might be ideal. If you’re looking for affordability and don’t mind a more limited network, Kaiser Permanente or Blue Cross Blue Shield’s EPO could be a great fit. For those seeking low-cost coverage, Oscar Health’s Bronze plan offers basic protection at a reasonable price.
Allow HealthQuotesMadeEasy.com to make the selection easy for you. By having open access to all plans we can easy make a coverage comparison that takes you directly to your most affordable option. By filling out our simple intake form or by scheduling a free insurance review you can skip the headache of going to each carrier individually.
