Get Online Health Insurance Quotes

Do you need to obtain new or different health insurance coverage? Whether you are seeking individual health insurance, a family health insurance plan or even a single-plus-one policy - it is definitely in your best interest to compare a few offers before you decide to sign on the dotted line. There can be huge differences in the price quotes from different providers, so make sure to review a few different quotes to ensure you are getting the best deal for your personal situation.

To get started, simply enter your zip code up above in the blue next to the lady - within minutes you will be able to review free, no-obligation health insurance quotes from a number of potential providers.

Popular Questions Related To Health Insurance Quotes

A health insurance quote denotes the rate you are being assessed to pay by a particular health insurance company or insurance agent.

A health insurance quote will be based on the type of plan that you elect to use through a particular health insurance company. Each state has its own provision for plans and healthcare insurance can vary from state to state but all companies must conform to federal law. The quote will also be dependent on your earning capacity and other factors which will be described below.

Obamacare can affect the cost of health insurance premiums and the quotes you receive in one of two ways. As a general rule of thumb, Obamacare has been designed so that low income earners will pay less for premiums and high income earners will have to pay higher premiums.

Another main area which Obamacare addresses is to help lower income individuals with out of pocket expenses which might have been unaffordable such as deductibles, copays and coinsurance.

There are a variety of factors that affect the quote you will receive for healthcare coverage. The first is the type of plan you elect to be covered under which include:
  • Bronze
  • Silver
  • Gold
  • Platinum
  • Catastrophic
These different plan categories reflect how you and the plan share costs. A bronze plan generally has lower premiums but has higher out-of-pocket costs while a platinum plan generally has the highest premiums but has much lower out-of-pocket costs.

The other 4 factors which can affect you health insurance quote include:
  • Age
  • Geographic location
  • Tobacco Use
  • Individual vs. family enrollment
Age and location are 2 of the biggest areas that impact a health insurance quote. Younger people will generally pay far low premiums than older individuals, largely because older individuals are likely to experience a higher risk due to a potential decline in their health as they age. Older individuals may pay as much as 3 times what a younger person be assessed for a premium.

Location also impacts your health insurance quote because where you reside can have a big impact on what you might be assessed for the cost of your premium. This can be due to a variety of factors such as the level of available competition for the provision of health services and availability of local insurers, local and state regulations, along with what you might be paying for the cost of living where you reside.

Individuals which are considered high risk by insurers do have some options available to them when it comes to obtaining health insurance. Previously, people with pre-existing conditions could be denied coverage but are now mandated to be included and covered under Obamacare as of 2014. As such, high risk individuals are now required by law to be covered regardless of their medical condition.

The main factors that can result in a health insurance quote being high include the following:
  • High income individuals are expected to pay more for premiums
  • The type of plan such as Platinum plan has higher premiums than a bronze plan
  • People who are older are likely to be assessed a higher quote than younger individuals
  • Smokers will also be assessed a higher premium quote than non-smokers
  • Your location will also impact your premiums and can vary considerably depending where you live
  • Whether you are buying an individual plan for just yourself or whether you intend to include your spouse or additional dependents will also impact your health insurance quote.