A Guide for Men Looking for Individual Health Insurance Quotes in Wisconsin

  • September 13, 2016
  • |Quartz
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Check out our men's guide to looking for individual health insurance quotes in Madison, WI.

If you are a single man, finding the right health insurance plan may be overwhelming. It might be tempting to find a plan with the cheapest premiums and sign up.

However, the premium cost is just one aspect of an individual health insurance quote. The rule of thumb is the cheaper the premium, the more you pay when you go to the doctor or end up in the hospital. Here are a few things to consider before buying a plan –

  1. Is your quote for an ACA-compliant individual health insurance plan? This means it meets the requirements of the Affordable Care Act. These plans offer certain important health screenings for men that include –
    • Blood pressure screening for adults
    • Diabetes screening for those with high blood pressure
    • Cholesterol screening for men aged 35 and older or for men 20 to 35 who have heart disease or risk factors for heart disease
    • Abdominal Aortic Aneurysm one-time screening for men aged 65 to 75 who smoke or have smoked
    • Lung cancer screening for those 55 to 80 who are heavy smokers or have quit smoking in the last 15 years
    • Tobacco use screening and cessation interventions for tobacco users
    • Colorectal cancer screening for those older than 50
  2. These basic screenings (and others) are available at no cost to you when you have an ACA-compliant health plan.

  3. By law, health insurance quotes can be more for individuals who are older, are tobacco users and / or people who live in high-cost areas. This means that if you are a smoker, you may pay more for an ACA-compliant insurance plan. However, you will be able to get help quitting at little or no cost.

  4. What is the quote for deductible and other out-of-pocket costs? The average medical and prescription health insurance deductible is $5,328 for the cheapest (bronze) level plan.1 A deductible is what you pay before the health insurance plan begins to pay.

  5. After the deductible is reached, you may still have to pay some costs, such as copayments and coinsurance. This makes the Maximum Out-of-Pocket Cost, or MOOP, a very important number to know – you can’t pay more than the MOOP amount in a plan year. For example, if you choose a quote for a High Deductible Health Insurance Plan, your MOOP is $6,550 for an individual in 2016. However, it is important to remember that MOOPs only apply to health care services that you receive within the insurance plan network. If you end up in an out-of-network hospital for non-emergency care, you could end up paying much more than your MOOP limit.

  6. Depending on your age, your health risk factors change, but your health insurance should still cover the care you need. For example, cardiovascular disease is the leading health risk for men.2 You will want to check the network of all your individual health insurance quotes to make sure it offers cutting-edge cardiac care and programs that can help you reduce your risk for heart disease. Some health insurance plans provide robust health management programs that can help you manage your risk.

  7. Some health insurance plans include wellness programs that reimburse you for healthy activities, such as working out at a gym, buying produce straight from the farm, or taking health-related classes. Find out if the health insurance company you’re considering offers this benefit. For example, Unity’s Fitness FirstSM & More offers up to $200 per year for healthy activities.

  8. Once you choose a health plan, plan to use it! Health plans are structured to help you prevent and treat illness. ACA-compliant plans offer many benefits at little or no cost and reward you for taking care of yourself. According to WebMD, men go to the doctor less than women and are more likely to have a serious condition when they do go, research shows. The top six threats to men’s health are3 –
    • Cardiovascular disease – Men's average age for death from cardiovascular disease is under 65
    • Lung cancer – Lung cancer remains the leading fatal cancer in men
    • Prostate cancer – One in six men will be diagnosed with prostate cancer in his lifetime. One in 35 will die from it
    • Depression and suicide – Suicide is the eighth leading cause of death among all men; for young men it's higher
    • Diabetes – Boys born in 2000 have an alarming one-in-three chance of developing diabetes in their lifetimes
    • Erectile dysfunction – it may not be life threatening, but it still signals an important health problem. Two-thirds of men older than 70 and up to 39 percent of 40-year-old men have problems with erectile dysfunction

Don’t wait – get individual health insurance quotes at a variety of price points from Unity Health Insurance right now and start taking care of your health!


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