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Health Insurance Quotes

To receive your free, no obligation online health insurance quote, please choose an individual quote, family quote, small business group quote, student quote or short term quote. You will be prompted to enter your zip code, followed by the least amount of infomration required to give you a quote for health insurance coverage. Then, compare rates and coverage from the top insurance companies providing coverage for your area. After you have found the best insurance plan, you can apply for health insurance online.

The health insurance quotes come directly from the health insurance carriers and are filed with and regulated by the Departments of Insurance in each state. As a result, the quotes you get are the same as those offered by other insurance agents and brokers. We provide a free service to consumers and do not add any fees to the insurance carrier's rates and fees. No one else can offer a lower premium for the same insurance plans.

Individual Health Insurance Quote

  • Free Instant Individual Health Insurance Quotes
  • Side-By-Side Plan Comparisons
  • The Lowest Premiums Available
  • Flexable Plans - Choose Your Deductables and Coverage
  • Health Insurance For The Self Employed
  • Apply Online - Fast, Simple and Secure
Get an affordable individual health insurance quote. Compare rates from leading insurance providers. Choose your deductable and the exact amount of coverage you want.

Family Health Insurance Quote

  • Free Instant Family Health Insurance Quotes
  • Side-By-Side Plan Comparisons
  • The Lowest Premiums Available
  • Flexable Plans - Choose Your Deductables and Coverage
  • Health Insurance For The Self Employed
  • Apply Online - Fast, Simple and Secure
Get an affordable family health insurance quote. Compare rates from leading insurance providers. Choose your deductable and the exact amount of coverage that's right for your family.

Small Business Group Health Insurance Quote

  • Free Instant Group Health Insurance Quotes
  • Side-By-Side Plan Comparisons
  • The Lowest Premiums Available
  • Flexable Plans - Choose Your Deductables and Coverage
  • Apply Online - Fast, Simple and Secure
Licensed professionals and online tools to help you compare and choose a health plan for your business, and to help you understand and use health plan benefits. Employee and owner coverage available.

Student Health Insurance Quote

  • Free Instant Student Health Insurance Quotes
  • Side-By-Side Plan Comparisons
  • The Lowest Premiums Available
  • No Denials For Pre Existing Conditions
  • Immediate Coverage
  • Apply Online - Fast, Simple and Secure
Student insurance is renewable individual health coverage designed for college students. Choose any doctor, year-round coverage, renewable for as long as needed, immediate coverage.

Short Term Health Insurance Quote

  • Free Instant Temporary Health Insurance Quotes
  • Flexible Temporary Coverage
  • The Lowest Premiums Available
  • Immediate coverage (often in less than 24 hours)
  • Health Insurance For The Self Employed
  • Apply Online - Fast, Simple and Secure
  • Perfect COBRA Replacement Coverage
Short-term medical insurance is an excellent solution for people if they are between jobs or waiting for coverage from another health plan to start. Compare coverage from top providers, and apply online.

Medical Coverage Providers

Health insurance coverage is available from the providers listed below. Please note that all providers are not available in all areas.

  • Aetna U.S. Healthcare
  • Anthem Blue Cross and Blue Shield
  • Arkansas Blue Cross and Blue Shield
  • Bankers Fidelity Life Insurance Co.
  • Blue Cross Blue Shield of Florida
  • Blue Cross Blue Shield of Illinois
  • Blue Cross and Blue Shield of Minnesota
  • Blue Cross of California
  • Blue Cross of Idaho
  • Blue Shield of California
  • BlueCross BlueShield of Georgia
  • BlueCross BlueShield of Kansas City
  • BlueCross BlueShield of Michigan
  • BlueCross BlueShield of Missouri
  • BlueCross BlueShield of Nebraska
  • BlueCross BlueShield of New Mexico
  • BlueCross BlueShield of South Carolina
  • BlueCross BlueShield of Tennessee
  • BlueCross BlueShield of Vermont
  • CHA Health
  • CNA / Highway to Health
  • CPIC Life a Blue Shield of CA Subsidiary
  • CareFirst BlueCross BlueShield
  • Celtic Insurance Company
  • Cigna
  • Clarendon National Insurance Company
  • Cole Vision
  • Empire Blue Cross Blue Shield of New York
  • Fortis Health
  • Golden Rule
  • Group Health Cooperative
  • Group Health Incorporated
  • Guardian
  • Guardian/Health Net
  • HIP
  • Health Net of Arizona
  • Health Net of California
  • Health Net of Oregon
  • Health Plan of Nevada
  • HealthPartners
  • Horizon Blue Cross Blue Shield
  • Humana
  • Kaiser Permanente of California
  • Kaiser Permanente of Colorado
  • Kaiser Permanente of Georgia
  • Kaiser Permanente of Ohio
  • Kaiser Permanente of Oregon
  • Kaiser Permanente of the Mid-Atlantic States, Inc.
  • LifeWise Health Plan of Oregon
  • LifeWise Health Plan of Washington
  • Medica
  • Medical Mutual of Ohio
  • Midwest Security
  • Monumental Life
  • Oxford Health Plans
  • PacifiCare Vision
  • PacifiCare of Arizona
  • PacifiCare of California
  • PacifiCare of Oregon
  • Pacificare of Colorado
  • Principal Life Insurance Company
  • Regence BlueCross BlueShield of Oregon
  • Regence BlueShield
  • Security Life Insurance Company of America
  • UNICARE Life & Health Company
  • United Wisconsin Life Insurance/American Medical Security
  • Vista Health of South Florida

What sort of health insurance coverage is available?

  • HMO (Health Maintenance Organization): As a member of an HMO, you choose a PCP (Primary Care Physician) from a list of doctors within the HMO's network. Your primary care physician is the first health care provider you call or see for a medical condition. They will make any needed referrals to a medical specialist. Typically, specialists will be part of the HMO network. If you obtain care without your primary care physician's referral or obtain care from an out of network provider, you may be responsible for paying the entire bill, with exceptions made for emergency care. Some HMOs allow you to pay nothing when you visit in-network doctors, while with other HMOs there may be a small copayment for the visit or service. With the majority of HMOs, there is no deductible. If you join an HMO, you will find that you have few out-of-pocket expenses for health care as long as you use doctors or hospitals that are part of the HMO's network of providers.
  • PPO (Preferred Provider Organization): As a member of a PPO, you can choose to use the hospitals and doctors within the PPO network or go outside of the network for care. No referral from your primary care physician is required to see a specialist. If you obtain care from a medical provider outside of the PPO network, you will pay more for the service. For example, the PPO might pay 90% of the cost for a visit with an in-network doctor but only 70% of the cost for a visit to a non-network health care provider. You will usually pay a copayment for each visit and service. PPO copayments are typically higher than an HMO copayment but not always. You will usually have to pay an annual deductible. If you join a PPO, you will find more flexibility than an HMO, but total out of pocket costs are most likely going to be somewhat higher.
  • POS (Point Of Service Plan): A managed care health plan combining the best features of HMOs and PPOs. You can decide whether to visit a network health care provider and pay a set amaount, or to visit an out-of-network medical care provider and pay a deductible and/or a coinsurance charge.
  • Indemnity Plans: An indemnity health coverage plan is commonly known as a "traditional" or "fee for service" plan. If you select an indemnity plan, you can visit any medical provider of your choice. Referrals or authorizations are not required, however some plans may require you to precertify for certain procedures. Comonly, indemnity plans require you to pay a deductible. After you have paid your deductible, indemnity policies usually pay a percentage of "usual and customary" charges for services covered. Typically the insurance company pays 80 percent and you pay 20 percent. Almost all plans have an annual out of pocket maximum and once you've reached this they will pay 100 percent of all "usual and customary" charges for services covered. Lots of health insurance companies have stopped offering indemnity plans and are now offering managed care plans such as PPOs and HMOs. You may have few or no indemnity health coverage plan choices in your area.

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