As of 2018, Aetna will no longer be offering individual health insurance plans. Aetna decided to completely remove itself from the health insurance marketplace after sustaining significant financial losses.
Aetna had entered the health insurance marketplace in 2014, the year it was created, and stopped selling individual plans outside of the marketplace. As of 2017, Aetna offered the following plans:
Aetna Marketplace Plans
|Plan Type||Percent of Essential Benefit Covered||Monthly Premium|
|Aetna Bronze Plan||60%||Low cost - Low quality|
|Aetna Silver Plan||70%||Average premiums - Average out-of-pocket costs|
|Aetna Gold Plan||80%||High premiums - Low out-of-pocket|
|Aetna Platinum Plan||90%||Highest premium - Lowest out-of-pocket costs|
Aetna Employer Coverage
Aetna group coverage is offered for businesses of all sizes. Employers love Aetna because of their library of online resources that are easily accessible for employees, and variety of packages which can include dental, vision, disability, and more.
Aetna Dental Coverage
Even though Aetna will not be offering individual health insurance in 2018, some states will still have the option to enroll in dental coverage. If you live in Alaska, Arizona, Delaware, Illinois, or Pennsylvania, you have one more option for dental coverage.
For those who don’t live in the 5 states where Aetna dental is offered, there is another option (unless you live in Montana or Vermont). Aetna has a program called Vital Savings by Aetna Dental Discount Program, which is essentially a discount card that starts at $7.99/month. This card can end up saving you anywhere from 15% to 50% on dental services you receive, which may be a better alternative to dental insurance if you already have a great smile.
Aetna Student Coverage
With a stellar reputation, it’s no wonder about 200 universities chose to work with Aetna. Aetna Student Health allows college students to find affordable health coverage. It’s worth taking a look at these health plans which may even reimburse your school’s expenses if you get sick or can’t finish.
Medicare and Medicaid
Along with managing the Children’s Health Insurance Plan (CHIP), Aetna also offers Medicaid and Medicare plans for individuals in select states. If you live in Arizona, Nebraska, Texas, Louisiana, Florida, Illinois, Michigan, Ohio, Kentucky, West Virginia, Virginia, Pennsylvania, New York, New Jersey, or Maryland, you may be eligible.