How To Buy Aetna Health Insurance (2026)

Aetna offers several plan structures that balance cost and flexibility:

: Aetna provides specialized coverage for students and international travelers through Aetna International . 2. Compare Plan Types

: This is the most common path. You typically enroll during your company's Open Enrollment period or after a Qualifying Life Event (e.g., marriage, birth of a child). how to buy aetna health insurance

: If you are 65 or older or have certain disabilities, you can shop for Aetna Medicare plans (Advantage, Supplement, or Part D) during the Annual Enrollment Period (October 15 – December 7).

: Provides the most flexibility, allowing you to see any doctor or specialist, even out-of-network, without a referral, though at a higher premium cost. Aetna offers several plan structures that balance cost

Buying Aetna health insurance involves selecting a plan through an employer, the Affordable Care Act (ACA) marketplace, or directly through Aetna's senior and international programs. Since being acquired by CVS Health, Aetna offers integrated benefits like MinuteClinic access and streamlined digital tools for managing care.

: Paired with a Health Savings Account (HSA), these plans have low monthly premiums but higher out-of-pocket costs before insurance kicks in. HMO, PPO, POS, EPO, & HDHP: What’s the Difference - Aetna You typically enroll during your company's Open Enrollment

The method for purchasing Aetna coverage depends on your current situation: