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Tips to Finding Affordable Health Insurance in Maryland DC and Virginia

Individual health policies are for those who are responsible for their own health insurance expenses. My best recommendation is that you have a Health Insurance Broker licensed in your state assist you make the best decision. The coverage you should choose is determined by your particular needs and those of your family.

Examples of specific considerations:
-Maternity and Fertility coverage
If your family is young and growing, you will want to consider a policy that includes maternity care from the onset. Blue Cross and to some degree Kaiser do offer plans that may provide fertility coverage. Aetna Individual and Family Health Insurance Plans in Maryland include Maternity coverage as do Kaiser Permanente Individual and Family Plans and the CareFirst Blue Cross Personal Comp and Blue Choice HMO Individual and Family Plans ( Blue Choice Maryland, Blue Choice Saver Maryland, Blue Choice HSA Maryland) . One of the most affordable ways to get maternity coverage in Northern Virginia is the BlueChoice HSA Plan for Virginia includes Maternity Coverage.

-Prescription Plans
Some plans have prescription plans that only cover generic drugs while most do cover preferred brands. It is just good to know what you are going to get. We recommend that you select a plan that has a drug benefit with an annual maximum of $1500 or higher depending on you would like to customize your coverage. Among the major Individual plans in Maryland, DC and Virginia , Aetna Individual and family Plans offer the highest annual maximum for drug coverage ( which is a good thing). United Health One Plans under written by Golden Rule Insurance offer a $3000 annual max (which is substatial) that can be increased to $5000 or Unlimited depending on the plan chosen. While CareFirst Blue Cross Blue Shield Individual Plans seem to feature only the lower end of the drug benefit maximum, we recommend that you opt for the HSA plans like Blue Preferred HSA or even Blue Choice HSA because, at the writing of this article, this plans do not have a drug benefit maximum. Once you meet the deductible ( Which can be met by either or both medical or drug expenses) you pay a copay for your medication and there is not limit to fear. This feature is not available on most of the other carriers so we really recommed the CareFirst Blue Cross Blue Shield ( BluePreferred and BlueChoice) HSA Plans for Maryland, DC and Virginia. Humana One Health Insurance company offers health plans for Virginia that have great prescription coverage.

-Doctor Networks
Check and see if your doctor is included. Typically PPO (Preferred Provider Organization) plans provide the most freedom of choice and greater flexibility as compare to HMO (Health Maintenance Organization) . Traditional Plans or Indemnity plans do not have network restrictions.

-Preventive Care Packages
If you can opt for a plan that includes a preventative plan without having to first meet a deductible. Preventative Care usually includes Annual Physical, OB/GYN Exams, Mammograms, PSA screening and well child care. All CareFirst Blue Cross Blue Shield Health Insurance individual and Family plans and Kaiser Permanete individual and Family Plans include coverage for preventive care without meeting the deductible if it applies.

-Dental and Vision are pretty important but do not allow these to disproportionately affect your Major Medical plan decision. If need be get them separately and focus on a health plan that is solid and that meets your needs.

Be diligent, compare plans and comb through the outlines of coverage. My little rule is that the better insurance companies have simple and easy to understand plans as opposed to those that present you volumes of literature and very little coverage.



Care First Blue Cross Blue Shield probably offers the most coverage for the best price in DC. The savings are pretty substantial.


Care First Blue Cross Blue Shield and Anthem Blue Cross Blue Shield both serve Northern Virginia but their territories do not overlap. They both offer very comprehensive and competitively priced plans. Most Plans include a nice preventative package - Contact your broker to determine which side of the fence you are on. (HMO & PPO) Blue Cross Blue Shield boasts the biggest PPO network in the DC metro area.

Kaiser Permanente (HMO) offer very inclusive and competitive plans in this area too. This company's plans almost always include maternity for no extra cost.

Golden Rule (United Healthcare) also offers Health Plans in some Northern VA zip codes. Great PPO and HSA plans offered.


Care First Blue Cross Blue Shield offers very comprehensive and competitively priced plans. The majority of the Plans include the important preventative package. (HMO & PPO) Blue Cross Blue Shield boasts the biggest PPO network in the DC metro area. Do Consider the Blue Preferred Plan. The Blue Choice Saver plan offers great outpatient benefits at an affordable price . At the writting of this article, both the Blue Choice and BlueChoice Saver Plans in Maryland offer maternity benefits without addition premium.

Kaiser Permanente (HMO) offer very inclusive and competitive plans in this area too. This company's plans almost always include maternity for no extra cost. This is indeed a popular company in this state.

Golden Rule (United Healthcare) also offers Health Plans in Maryland. These plans are very competitive and the Network is large. Great PPO and HSA plans offered.


-Blue Cross Blue Shield Families may realize substantial savings by submitting separate applications for each individual as opposed to a family application. The savings seem to be greatest for a two parent (adult)-one child family especially when there is a notable age difference between the parents (adult)

-Blue Cross will accept domestic partner family applications.


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