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Individual Health Insurance Quote

Anyone who is not fortunate enough to receive free group health insurance benefits through their employer needs to get an individual health insurance quote.  If you don’t do your homework then health insurance can at times be costly and difficult to find. So if you are in the market for individual health insurance, quotes from companies are simple to get and priceless for your needed comparisons.

Let us help you with some of the busy work. Enter your information in just one time into our free health insurance quote tool at the top of the page and then you can comparison shop quotes from top insurance companies like United Healthcare, Aetna, Blue Cross Blue Shield, Humana, and many more!

Here’s some information on what you need to look for in an individual health insurance quote.

What You Need To Know About Finding Quotes For Individual Health Insurance Plans

When it comes to health insurance, most people would like to be covered under a group plan offered by their employer – especially if they can get their employer to foot the bill.  Group insurance plans guarantee coverage, most of the time with no questions asked.  You don’t get the same benefit when shopping for individual health insurance.

However, there is one very big benefit to choosing an individual health insurance plan. If you compare individual health insurance quotes against group health insurance quotes you will find that individual health is much cheaper than group health for the same amount of coverage. The very fact that not everyone is accepted onto an individual health insurance plan (approximately 80% of applicants are accepted onto a regular individual health insurance plan and approximately 90% of people are accepted onto a short term individual health insurance plan) makes the cost of individual health insurance much cheaper than group health insurance. Individual health insurance is approximately 1/3 of the cost of a similar group health plan.

Not only that, when comparing individual policies they will differ not only between companies, but by what you are looking for and can often be complicated and spell out many limitations and exclusions.  It can take time to gather enough information and quotes to make the best decision.  Individual health insurance is not something you are going to be able to purchase overnight with minimal research. Here’s what to expect.

  • You have to provide evidence of insurability.  This often includes filling out a health questionnaire and undergoing a medical examination (unless you qualify for a guaranteed issue HIPAA health insurance plan).

  • Before granting an individual health insurance policy many health insurance companies will go back as far as ten years to determine if you have any pre-existing conditions that would disqualify you for individual health insurance.

  • You may be denied coverage due to your personal habits, your age, health, medical history, or other “high risk” factors.

  • If you have “high risk” factors and are not denied individual health insurance you may be issued a policy with limitations or given a higher premium.

How To Find Cheap Individual Health Insurance Quotes

When shopping for individual health insurance and collecting quotes there are some things to keep in mind that can lower your costs.

  • If you are in good health and rarely visit the doctor consider going with a higher deductible.  A higher deductible can help to lower your premium substantially.

  • If you are taking a long term daily medication check to see if the policy offers the option of buying drugs through the mail.  There is often a great discount to be had in purchasing your medications this way.

  • If you have a serious pre-existing condition, do not drop any coverage that you currently have before finding a new one.  Individual health insurance plans more often than not have waiting periods before they will cover a pre-existing condition.  Having to pay out of pocket costs for doctor’s visits and medications can often times cost more than a high individual health insurance premium.

  • Look for family rather than per-person deductibles, especially if you have a large family because most of your medical costs will be coming out of your pocket.

  • Consider supplemental health insurance.  These are designed to be used in conjunction with a high deductible plan and they are more cost effective than buying a low deductible heath insurance plan.  Sometimes the supplemental insurance will cover things that your primary insurance will not.

  • Start a health savings account.  These allow you to use before tax money in a special savings account to pay medical claims until your deductible is met.  Depending on your health savings account, you can often use those funds to pay for co-pays and some over the counter medications and bandages.

Types Of Plans That Offer Individual Health Insurance Quotes

  1. Government Funded - If you can not find traditional individual health insurance, depending on your age, income, and other factors you may be eligible for government Medicare or Medicaid.

  2. HMO – (Health Maintenance Organization) - This is a pre-paid plan where a fixed monthly fee is paid for medical services instead of per visit.

  3. PPO – (Preferred Provider Organization) - You receive a discount on medical services by going to pre-selected doctors (although you can choose any doctor to go to for services).

  4. POS – (Point Of Service) – These plans are hybrids or PPO and HMO plans and differ in their specifics depending on the insurance company that you choose.

  5. Indemnity – These plans are typically cheaper than full comprehensive major medical plans but often pay out only a limited benefit. Avoid these types of plans unless you cannot afford a full coverage plan or are unable to be accepted onto a full coverage plan due to health reason.

Compare Individual Health Insurance Quotes Now!

Now you can use individual health insurance quotes to make an informed decision on your insurance needs.  Get started comparing individual health insurance quotes now!