Unity Shield Family Insurance

Clear, independent guidance

How to find affordable health coverage

Affordable coverage is not always the plan with the lowest monthly premium. A useful comparison considers what you may actually pay when visiting doctors, filling prescriptions or receiving hospital care.

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Four costs to review

Monthly premium

The recurring amount required to keep coverage active.

Deductible

The amount you may pay for covered services before certain plan benefits begin.

Copays and coinsurance

Your share of covered medical expenses after applicable plan rules.

Maximum out of pocket

An important limit for eligible in-network covered expenses under qualifying plans.

Marketplace and private options

Marketplace savings depend on eligibility and household information. Private coverage may have different eligibility or underwriting rules. Compare both when available.

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