Insurance for $30 a Month

New just-in-case policies aren't perfect, but they'll do in a pinch

Illustration by Daniel Horowitz for TIME

Buying your own health insurance has never been cheaper. No, really. Amid promises from presidential candidates to make health care more affordable, WellPoint, the nation's largest insurer, has quietly rolled out plans that start at a mere $55 per month. Aetna's individual coverage begins at $40, and Humana's Monogram line, perhaps the best bargain, can cost as little as $30 a month.

All offer basic medical coverage, including, in some cases, dental, vision and prescription-drug benefits. A few even throw in fancier perks like teeth-whitening or gym-membership discounts. So what's the catch? Not surprisingly, there's some fine print.

For starters, your...

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