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Get Your Free Quotes Now
The Fastest & Easiest Way to Compare Health Insurance Plans!



How It Works
Choose the perfect health plan coverage for you
How Much Coverage Do I Need?
An individual health insurance plan will generally cost less than a plan that covers an entire family. Other factors like family size, ages and gender can affect cost as well.
When Can I Choose A New Health Plan?
Open enrollment starts from Nov. 1 to Jan. 31, and is usually, besides a qualified “life event”, the only time you are allowed to change health insurance providers and/or coverage.
Compare Plans & Save On Health Coverage
Find the best health plans and pricing based on your health insurance needs.
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Go to articleHow to Choose Your Health Insurance
Compare Top Health Coverage Plans Today
Step: 1
Find your marketplace
The first step in choosing the proper health insurance is determining where you are going to get your insurance. You can use your employer, a government run exchange, or a different marketplace.
Step: 2
Compare the types of health insurance plans
Health insurance plans come in many different styles.
- Health Maintenance Organization (HMO) With an HMO plan, you pick a single primary care physician who manages all your health care. That means you need a referral before seeing any other health care professional, except in an emergency. HMOs give you access only to doctors and hospitals which are in their network. If you see a physician outside the network, you’ll have to pay the entire cost. HMO plans generally have lower premiums, and there is usually no deductible or a low one.
- Preferred Provider Organization (PPO) PPOs also use a network of providers like HMOs do, but there are fewer restrictions on seeing non-network providers and you don’t need to choose or get referrals from a Primary Care Physician. Reimbursement for out-of-network care is usually at a lower rate than for in-network care. Premiums tend to be higher, and it’s common for there to be a deductible.
- Exclusive Provider Organization (EPO) EPOs are similar to PPOs. You won’t need referrals to see a specialist or need to choose a primary care physician. But you will have a limited network of hospitals and doctors to choose from. EPO plans don’t cover care outside your network unless it’s an emergency.
- Point of Service (POS) Point of Service (POS) plans combine elements of HMOs and PPOs. Like an HMO, you are required to choose a primary care doctor and to get a referral before visiting a specialist. In-network care usually has a low co-payment and no deductible. Like a PPO, you can also use physicians who are not in the network, but you will reimbursed at a lower rate.
Step: 3
Compare health plan networks
The vast majority of insurance plans offer in-network provider services at lower cost, so if you want to continue to see a specific doctor you need ensure they are in your coverage network. A larger coverage network increases the number of doctors available for you to see, which can make getting health care easier.
Step: 4
Compare out-of-pocket costs
Plans that pay a higher portion of your medical costs, but have higher monthly premiums, are better if:
- You see a frequently see a doctor, whether a primary physician or a specialist
- You need emergency care frequently
- You take brand-name or expensive medications on a regular basis
- You plan to have a baby, are expecting a baby, or have small children
- You have surgery planned
- You’ve been recently diagnosed with a chronic condition such as cancer or diabetes
- You can’t afford higher monthly premiums for a plan with lower out-of-pocket costs
- You are in good health and rarely see a doctor
Step: 5
Compare benefits
- Bronze plans cover 60% of estimated typical annual medical costs
- Silver plans cover 70%
- Gold plans cover 80%
- Platinum plans cover 90%
Important Healthcare Terminology and Costs
Common expressions & terms related to health insurance
Deductible
The amount of money you have to spend for health services before your insurance company pays anything (except free preventive services)
Copayments and coinsurance
Payments you make each time you get a medical service after reaching your deductible
Out-of-pocket maximum
The most you have to spend for covered services in a year. After you reach this amount, the insurance company pays 100% for covered services.
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