We connect individuals with insurance providers and other affiliates to give you, the consumer, an opportunity to get information about insurance and connect with licensed insurance agents. By completing the quotes form or calling the number listed above, you will be directed to a partner that can connect you to an appropriate licensed insurance agent who can answer your questions and discuss plan options.

We assist in the confusing world of health insurance. Our services connects you with one of our partner insurance agents who will help determine your subsidy eligibility and provide you with quotes for private or state and federal exchange health insurance plans. These plans meet federal standards under the Affordable Care Act (ACA). Alternatively these partner insurance agents can offer short term medical plans, limited indemnity plans, and Christian health sharing plans… and many more!

Please note, that not everyone will qualify for a federal or state subsidy, or an Obamacare plan. Our site and partner agents are here to provide information & help in choosing the right plan for you.

When searching for the right health insurance plan you may consider looking into which health insurance carrier can provide you with a plan that gives you the best coverage for the price point that is affordable to you. When looking for a top health insurance carrier, you may consider looking into larger companies as they may have the best rates. Often a larger company is capable of giving you a much better rate than smaller companies because they have more resources available to them to aid in offering better pricing. There are many health insurance carriers to choose from  that can offer the highest quality service at an affordable price. The key to finding one you like is to spend some time in research looking for the best carrier and then getting some quotes from them as well.

Keep in mind there are health insurance carriers that offer major medical plans that are Affordable Care Act compliant, whilst others may have the minimum essential plans that are Affordable Care Act compliant. The minimum essential plans tend to be more on the affordable side but may come with a high deductible or limit as to how much they will cover for surgeries or out-patient.

There are also plans available that are limited medical plans and short term medical. These plans are not considered insurance and are called Limited Indemnity Plans. When purchasing these plans they will often have a set matrix where they will send you cash when a claim is filed. This means that when you visit a doctors office you will responsible for paying the doctor directly. However, the limited indemnity policy (also referred to as as Short Term Medical Plan or Limited Medical Plan) will send you a check for the doctors visit. These are called Cash Benefit programs.

If you are self employed or lost a job, health insurance plans that are affordable can be difficult to find. Speaking with a licensed health insurance agent can understand your scenario and help located a suitable plan for your situation. This makes it all the more important to shop around to help you find health insurance plan. If you get quotes from several different companies, you’ll be much more likely to find affordable heath insurance.

A licensed health insurance agent can also help you put together small business group insurance plans for you and your employees. These plans can range from major medical insurance with top insurance Carriers combined with dental and vision plans. If you business is not able to provide these plans they can also help put together a plan with Limited Indemnity products and/or the minimum essential Affordable Care Act compliant products.

Information we recommend you should have before speaking with a licensed health insurance agent about your small business group health insurance quote. You will need to provide your entity type (Corporation, LLC, Sole Proprietorship), number of owners (Shareholders, Members, etc.), and number of employees you are looking to cover. Once you select a plan you will also need to provide all your employees information so you may need to have their Payroll information quickly accessible to you.

A Health Maintenance Organization (HMO) is a health care plan that provides managed care. This means the HMO has specific rules that patients and doctors have to follow. When you join an HMO, you are usually required to choose a primary care provider, typically a doctor. Your primary care provider has overall responsibility for helping you stay healthy. In most HMOs, you must receive a referral from your primary care provider if you want to see a specialist. To control costs, HMOs set limits on the range of treatments available to members. Except in cases of emergency, most HMOs pay for treatment only if it is provided by doctors and hospitals who belong to the HMO’s network.

A Preferred Provider Organization (PPO) is similar to an HMO, but it typically offers members greater flexibility in choosing treatment. With a PPO, you can use any doctor or hospital on a list of preferred providers. If you want to receive treatment elsewhere, the PPO will pay a portion of the cost. Some PPOs do not require you to choose a primary care provider, and you often do not need a referral to see a specialist. Because PPOs have fewer restrictions on treatment than HMOs, they usually have higher premiums.

Point-of-Service (POS) plans are similar to HMOs and PPOs. Like an HMO, a POS plan requires you to choose a primary care provider, who will have overall responsibility for your care. You must get a referral from your primary care provider to see a specialist. If you see a specialist in the POS network, you pay no deductible and only a small copayment. (A copayment is a small amount you pay each time you obtain treatment.) You also have the option to see a physician outside the network, but if you do, the plan will pay only part of the expense. A POS plan has fewer restrictions than an HMO, but it does not provide as much flexibility as a PPO.

Major Medical Insurance provides coverage for most types of medical treatment. Your options are not limited to certain doctors or hospitals. Some major medical plans have a deductible. That is, you have to pay a certain amount for medical treatment each year out of your own pocket before the plan starts to pay for your care. Major medical plans have fewer restrictions than HMOs and PPOs, so they usually have higher premiums.

Medicare Supplement insurance supplements the coverage provided to senior citizens by Medicare. Medicare requires deductibles and copayments for many types of treatment. If your income is below a certain level, these expenses may be paid by Medicaid. If your income is above this level, you will have to pay the deductible and copayments out of your own pocket. Medicare Supplement policies cover most or all of these out-of-pocket expenses.

Supplemental Insurance plans provide benefits in addition to those you receive from other plans. For example, a supplemental insurance plan might pay you a certain amount every day you are hospitalized or disabled. This payment is in addition to coverage you have under health care plans.

There are hundreds of different health insurance companies participating in the Health Marketplace Exchange (Obamacare and Affordable Care Act) offering different plans. These companies are rated on a letter grading scale (A, B, C, etc.) based on their performance. Their grade is calculated by attributes such as financial stability, claim payments, and customer service. You might also want to ask around among friends, family members, and colleagues. If their plans are working for them, they could work for you too.

Here is list of some companies that our partners work with: Aetna, UnitedHealthCare, Humana, BCBS (Blue Cross Blue Shield), Cigna, Anthem, Molina Healthcare, AARP, and many others.

There are also Short Term Medical plan (also known as Fixed Indemnity). They work like traditional insurance except they give you cash (fixed amount) for every doctors visit. Fixed indemnity insurance pays a set benefit per specified medical expense, as opposed to a share of the total covered costs after a deductible, which is an approach you might be used to from major carriers like UnitedHealthCare, Humana, BCBS (Blue Cross Blue Shield), Cigna, Anthem, Molina Healthcare, AARP etc…

The Affordable Care Act established the Healthcare Marketplace.

There are two divisions – a state level health marketplace, and a federal level health marketplace. 37 states are members of the federal exchange, and 14 are limited to a state exchange. Unfortunately, not all insurance companies are required to provide information about their plans and prices to the Healthcare Marketplace, so be prepared to do some local searching for affordable plans in your area.

The Healthcare Marketplace may also be referred to as the Health Insurance Marketplace. It is a website managed by the federal government. When you visit, you can enter a few personal details about yourself and start shopping for plans in a matter of minutes.