One of the best strategies to find the best health insurance at an affordable rate is to compare different plans. Also, check to see if you qualify for ACA subsidies which can allow for much lower health insurance plans. Based on your family size, if you earn between 100% and 400% of the federal poverty level, you may qualify. In 2021, the FPL for a family of four works out to $26,400 and $106,000 on an FPL for 400%.