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Fill out one simple online questionnaire
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You have a choice - you can spend hours of your time calling and visiting your local insurance agencies, or
you can spend a few minutes with us and get numerous quotes from top-rated local agencies, and national
insurance companies in all 50 states. The quotes you’ll receive come from A-rated companies all bidding for
Many of our customers have saved 40% or more on their health insurance. Click on the "Get Quotes Now"
button above to see how much you can save. It's quick, it's easy, and it's free!
Health Insurance FAQs
Why do I need health insurance?
You may be in good health now, but if you contract a serious illness such as cancer or diabetes, or if you
need surgery for a heart condition or because you were in an accident, you’ll have huge medical bills to pay.
And if you don’t have health insurance you could end up going bankrupt.
You also need health insurance because it’s the law. Under the Affordable Care Act, also known as Obama
Care, if you don’t have insurance coverage, you’ll have to pay a penalty. For more information about the
Affordable Health Care Act, click on this link: https://www.healthcare.gov/
What does health insurance cover?
A typical insurance policy pays for the following …
Mental health care
X-rays and lab tests
Drug abuse rehabilitation
Emergency room visits
How can I get cheap health insurance?
Compare health insurance plans - Click “Get Quotes Now” button near the top of the page to get rate quotes
from A-rated health insurance companies. Then review and compare those quotes to find a plan with the
best rate and the best coverage that fits your needs.
Note: Before you purchase a plan be sure to ask your agent if it’s ACA (Affordable Care Act) compliant.
Get a managed care plan – Managed care plans include HMOs (Health Maintenance Organizations), and
PP0s (Preferred Provider Organizations). These plans are much cheaper than traditional fee-for-service
plans because you are restricted to using health care providers and hospitals within the plan’s network.
HMOs – With an HMO you pay a monthly fee for which you are assigned a network of health care
providers and hospitals you can use for your medical needs. Health care services include doctor visits,
emergency services, hospital stays, surgeries, physical therapy, x-rays, and lab tests.
PPOs – PPOs are similar to HMOs with the exception that you can use doctors that are not part of the
PPO network and still be reimbursed.
Increase your deductible – The deductible is the amount of money you have to pay before your insurance
kicks in. By increasing your deductible you can save hundreds of dollars on your premiums. Just make sure
you have enough set aside to pay the deductible.
Get on your parent’s health plan – If you’re under 26 years of age you may be able to get insurance with
your parent’s plan, even if you’re not currently living with them.
Get Medicaid – If you have a limited income, or are disabled, you may be eligible for Medicaid coverage. To
see if you’re eligible, visit your state’s department of health insurance, or go to https://www.healthcare.gov/.
Get CHIP (Children's Health Insurance Program) coverage - CHIP provides health care to children in
families with incomes that are too high to qualify for Medicaid, but can't afford private insurance. To see if
you qualify go to https://www.healthcare.gov/.
Get catastrophic health insurance – Catastrophic health insurance is designed to cover you for major
Illnesses or injuries. With these plans your premiums are cheaper than other plans, but your out-of-pocket
expenses for such things as doctor visits, and prescription drugs are more expensive. If you’re relatively
young and in good health these can be some of the cheapest health insurance plans available.
Join an association or group – If you belong to an association or group, or if you can join one, check to see
if they have an insurance plan. Group medical insurance is generally less expensive than individual medical
insurance because the insurer’s risk is spread across a number of members.
How do I tell if a health insurance company has a good reputation?
Go to your state’s department of insurance website to see if the company you’re wondering about is
licensed and if they have any complaints listed against them. You can find your state’s insurance site here:
Then visit Standard & Poor’s website - http://www.standardandpoors.com – to see the company's financial
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