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Live Help from Health Insurance Agents

Questions about Health Insurance Plans, Dental Plans or Vision Plans? Our goal is to help Americans find health insurance plans that are affordable and provide reliable coverage. Call to speak with a live health insurance agent whose goal it is to find a health insurance plan that suits your needs and budget.

We’ve made the process easy so that you can save on health insurance by comparing multiple plans at once. With so many options, you can find the perfect heal6h insurance plan for you. Start comparing rates and save money!

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Health Insurance Plans

When shopping for a health insurance plan, there are a variety of plans to choose from and each may have different rules, deductibles, copayments and premiums. The types of plans offered may vary depending on the company and can include the following:

  • Health Maintenance Organizations (HMOs)
  • Preferred Provider Organizations (PPOs)
  • Exclusive Provider Organizations (EPOs)
  • Point-of-Service Plans (POS)
  • High-deductible Health Plans (HDHPs)
  • Health Savings Accounts (HSAs)
  • Catastrophic Plan

If you are interested in a Health Insurance plan, or have questions about Health Insurance, call 1-888-674-3807 TTY:711 to speak with a live agent.

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Health Insurance Plans

Call to compare plans and prices with a live agent to find a plan that suits your needs. Explore your options and have your questions answered. Which health insurance plan is best for you? How much will you pay in deductibles? Does this plan provide coverage for prescription drugs? Every individual has unique needs and questions, call now to speak to an agent.

Find a plan that provides the coverage that you need while reducing out of pocket expenses, especially during difficult times. Learn more about what is covered under certain plans, and find a plan in which you feel confident.

Understanding the Different Types of Health Insurance Plans

Health Maintenance Organizations (HMOs)

Health Maintenance Organization plans (HMOs) are health insurance plans that provide services through a network of HMO registered doctors. Those who use HMOs are limited to using only these doctors and if treated by a doctor who is not in the network, the cost will not be covered, except in an emergency situation where a network doctor is not available. An HMO may also require that you live or work in its service area to be eligible for coverage.

HMOs often provide integrated care and focus on prevention and wellness. The lack of freedom to choose your own doctor is offset by the fact that there are no claim forms to fill out. If your care requires a specialist, your HMO doctor must refer you to them in order to be covered by the health plan. Plan members pay a monthly Premium and may require you to pay a deductible in some cases. Copays and co-insurance options are available as well. A Copay is a flat fee that you would pay each time you receive care while co-insurance is where you pay a percentage of the charges for care.

Preferred Provider Organizations (PPOs)

Preferred Provider Organizations Plans (PPOs) are health insurance plans that contract with medical providers, such as hospitals and doctors, to create a network of participating providers. By using doctors that belong to the PPO network you pay less than you would otherwise. Using doctors not in the network would result in higher costs for treatment.

PPOs offer a bit more flexibility in choosing your healthcare provider and, unlike HMOs, you do not need a referral from a network doctor to see a specialist. Plan members pay a monthly Premium and may require you to pay a deductible in some cases. Copays and co-insurance options are available as well. Paperwork is minimal when using network doctors but the use of out-of-network doctors results in additional costs and red tape. You are required to pay the out- of-network doctor up front and then file a claim with the PPO to be reimbursed.

Exclusive Provider Organizations (EPOs)

Exclusive Provider Organizations Plans (EPOs) are managed health care plans that only cover you for services when you see doctors, specialists, or hospitals in the plan’s network. If you see a doctor outside of the network, you are responsible for the entire cost. The exception being in the case emergency where a network provider is not available.

EPOs offer some flexibility in choosing your healthcare provider and do not require a referral from a network doctor to see a specialist. Plan members pay a monthly Premium, but they are much lower than a PPO or HMO. They may require you to pay a deductible in some cases and Copays and co-insurance options are available as well. There is little to no paperwork with an EPO.

Point-of-Service Plans (POS)

Point-of-Service Plans (POS) are health insurance plans that blend the features of an HMO with a PPO. With these plans you pay less when using doctors, hospitals, and other health care providers that belong to the plan’s network. You can see out-of-network doctors, but you will pay higher costs.

POS plans give you more freedom in choosing your providers than HMOs but they also require you to get a referral from your primary care doctor in order to see a specialist and be covered. Plan members pay a monthly Premium and may require you to pay a deductible in some cases. Copays and co-insurance options are available as well. There is no paperwork when using network doctors but the use of out-of-network doctors requires you to pay them up front and then file a claim with the POS to be reimbursed.

High-deductible Health Plans (HDHPs)

High-Deductible Health Plans (HDHPs) are healthcare plans with a higher deductible than traditional insurance plans. With these plans you choose the health coverage from one of the other plans (HMO, PPO, EPO) but pay less of a monthly premium. The trade-off being that you are required to pay more of the costs for treatment yourself.

HDHPs are defined as any plan with a deductible of at least $1,400 for an individual or $2,800 for a family. The total annual out-of-pocket expenses cannot exceed $6,900 for an individual or $13,800 for a family. As with other plans, if you reach the maximum out-of-pocket amount, the plan pays 100% of your care. HDHPs can be combined with a Health Savings Account (HSA), allowing you to pay for certain medical expenses with money free from federal taxes.

Health Savings Accounts (HSAs)

Health Savings Accounts (HSA) act similarly to a personal savings account but can only be used for qualified healthcare expenses. You must be enrolled in a HDHP in order to qualify but these plans aren’t always the best option for all patients, specifically those expecting significant health expenses in the future. An HSA can help patients with high-deductible health insurance plans cover their out-of-pocket costs while also providing some important tax advantages.

Average Cost of Health Insurance

The average cost of health insurance in the U.S. currently stands at approximately $403 per plan. Prior to the Affordable Care Act being enacted, Health Insurers would base their premium prices on a number of factors which caused rates to be much higher and, in many cases, unaffordable. The ACA was created to change this and give more people access to health coverage at a reasonable rate.

Which Factors Impact Health Insurance Quotes?

Health Insurance rates vary depending on the plan you choose, the extent of coverage you choose within that plan and what state you reside in as some states are cheaper than others. Other factors that impact health insurance costs include your age, the number of people insured, and whether you are a smoker or tobacco user.

Health Insurance Rates By Plan Type

Monthly and annual health insurance rates by plan type:

Type Monthly Rate Annual Rate
HMO $479 $5,742
POS $508 $6,093
PPO $561 $6,732
EPO $492 $5,899

*Policy premiums are for a 40-year-old applicant.

Understanding Health Care Reform

In the United States, the mixed public-private health care system was the most expensive in the world. The cost of having health care became so high that many Americans could not afford it. Bankruptcies resulting from Medical costs were rising and it was clear that Healthcare Reform was needed.

In 2010, the Affordable Care Act (ACA) was enacted in the U.S. with the intention of making sweeping changes to the healthcare system. The goal was to provide universal care for all Americans while improving the overall quality of care, managing the increasing costs it took to do so and regulating the private health insurance industry as a whole.

The system is not perfect but is ever-evolving and more Americans than ever now have access to affordable, quality healthcare that they did not have access to in the past.


Shopping for health insurance and comparing plans from providers can be time consuming. Lucky for you, we’ve made it simple. We connect you to our trusted partners that are ready to compare multiple plans at once. By comparing quotes, you will know exactly how much you are saving. You’ll be able to find the best plans for your needs, at an affordable price.

Health insurance provides coverage for medical expenses such as illnesses and injuries. Accidents and illnesses can occur at any time, and that’s why it’s important to ensure that you are covered. Medical expenses can be costly, but health insurance can help protect your family’s physical and financial wellbeing.

Health insurance can help reduce the costs of medical care during difficult times. Whether it is an emergency visit or a routine checkup, health insurance can help avoid large amounts of debt. Often, medical emergencies may even result in bankruptcies if you do not have health insurance.

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