How to Find Health Care Insurance Without Deductibles

You can find health care insurance plans with no deductibles; however, prepare to may more on your monthly premiums. Typically, with individual insurance, the lower the health plan's deductible, the higher the monthly premium. This may work to your benefit if you a high utilizer of health care services. However, if you are healthy and rarely see a doctor, you may prefer to purchase a plan with a deductible and enjoy a lower monthly cost.

Instructions

• 1

  Complete a search on a website such as eHealthInsurance for health insurance. After answering some basic questions including your date of birth, gender and ZIP code, the site will display available health insurance options. eHealthInsurance allows you to sort by deductible, so that the plans with no deductible display first.

• 2

  Visit the websites of national insurance carriers such as Aetna, United Healthcare, Cigna, and your regional Blue Cross and Blue Shield plans. These large insurers have a variety of individual insurance plan options that include plans with no deductibles. You can search for plan options and enter your information to obtain plan details and obtain a premium quote.

• 3

  Work with an insurance agent who can assist you in finding health insurance without deductibles. An agent can search for insurance on your behalf and present you with quotes and options. They can also help you through the application and enrollment process. If you don't have an agent, go to the National Association of Health Underwriters website and complete the "Find an Agent" search to locate one in your area.

• 4

  Explore resources within your state if you are unemployed, underemployed or have pre-existing conditions. Visit Benefits.gov to find your state's department of insurance contact information. Learn about the medical assistance programs offered at no or low cost to eligible individuals. The health insurance plans offered likely have no deductibles and very little out-of-pocket costs.

• 5

  Compare information about the different types of plans, premium and deductible costs, and consider how much you are willing to pay out of pocket. You may find that having lower premiums and a deductible makes more sense, depending on your health.