One of the standout offerings for 2024 is the 2025 Basic Plan, which provides extensive health benefits at minimal costs. Under this plan, inpatient and outpatient hospital services are offered at no cost to the member.
This means that whether you need a routine procedure or more complex care, you won’t have to worry about hefty hospital bills.
Office visits to primary care physicians and specialists are also highly affordable, costing only $15 each. Diagnostic x-ray and laboratory services are provided at no cost, ensuring that members can receive necessary diagnostic care without additional financial burden.
Urgent care visits are also priced at $15 each, making it easier for members to access immediate care when needed.
Emergency room visits under the 2025 Basic Plan are charged at $50, but this fee is waived if hospitalization is required. The annual out-of-pocket maximum for individuals is set at $1,500, while the family maximum is $3,000.
These features make the 2025 Basic Plan an excellent choice for those seeking comprehensive yet affordable health insurance coverage.
Enrollment Periods and Special Conditions

Open Enrollment for health plans typically occurs from November 1 to January 15 in most states, although some state-run exchanges may have different schedules.
This period is your annual opportunity to enroll in a new health plan or make changes to your existing coverage. Mark these dates on your calendar to ensure you secure your health insurance coverage for the year.
Qualifying life events, such as marriage, loss of coverage, or a permanent move, can trigger a Special Enrollment Period, allowing individuals to enroll outside the standard open enrollment window.
If you experience one of these events, you generally have a 60-day window to enroll in a new health plan or change your existing coverage.
Proof of eligibility may be required in most cases, particularly for events like loss of other coverage or marriage. Coverage typically takes effect on the first of the month following the submission of an application during a Special Enrollment Period.