Looking for Cheap, Affordable Health Insurance?
Shop Quotes from up to 7 Prequalified Companies!
Are you in need of a major medical policy? Has your employer reduced or even dropped your coverage? If so, you are no doubt looking for an affordable, individual or family health care plan.
Start your search here! Browse our listing of prequalified companies that provide health insurance in your State and local area. It's easy! Simply enter your zip code and then click the 'get quotes' button. We will see that you get connected with a licensed agent who knows how to navigate the insurance market and find an alternative that will meet both your needs and your pocket book. He/she will also give you an overview of how everything works in today's health insurance market.
Find the Best Health Insurance
Enter your ZIP code below and be sure to click at least 2-3 companies to find the very best rate.
How the Current Plans work
Prior to the Affordable Care Act, you shopped for individual insurance on the basis of benefits you wanted and could afford. You might have had an option to choose an office visit copay that was exempt from the deductible, prescription drug coverage, or coverage for pregnancy, just to name a few. Your premium was based on your coverage, your age, and your pre-existing conditions. Today, premiums are still determined by your age and pre-existing conditions, but the third factor is your income. Basic benefits are the same across all major medical plans. They must all include the following to be compliant with ACA requirements.
- Hospital care
- Emergency treatment
- Lab work
- Maternity
- Outpatient care
- Pediatric care
- Mental Health Care
- Preventative care
- Rehabilitative treatment
- Prescription drugs
Your health insurance premium can be controlled by choosing your level of coverage. Whether you go to Healthcare.gov or work directly with a carrier yourself, a lower deductible and lower out of pocket max means a higher premium. Choosing a bronze level plan could mean a $10,000 to $12,000 deductible, but your premium will be lower. Such an option might work for people who are in good health and really only need catastrophic coverage. The Platinum level will give you the most coverage with your provider, but will also have the highest premium.