How to Get Online Health Insurance Quotes

Buying health insurance can be a daunting process. If you are starting a new job, facing an adjustment in company health insurance plans or starting a new business, you may need to research health insurance options carefully. One of the easiest places to learn about health insurance is online. Comparing health insurance plans requires thorough investigation. Online health insurance quotes can help you determine which health care plan is right for you.

Instructions

• 1

  Research which type of health insurance plan you want and need. Health insurance plans are generally divided into individual coverage and family coverage. Individual coverage provides coverage for a single person. Family health care plans provide coverage for an entire family. An individual health care plan is cheaper than a family plan. However, if you have more than one household member, a family plan can help you insure everyone in your household at less cost.

• 2

  Investigate where you can buy health insurance. In general, health insurance policies can be purchased via an employer, through associations, from individual companies and from the government. The employer often subsidizes a health insurance policy as part of your benefits package. Many small-business owners opt for private insurance to help cover themselves and their employees. If you meet certain guidelines, you can buy into government-sponsored health insurance plans. Many health insurance providers maintain websites where you can get health insurance quotes online.

• 3

  Visit individual company websites. Many health insurance companies allow people to get a rough estimate of their health care costs online. You should have information on hand before you start. This includes your Social Security number, ages of any people covered under the plan, any pre-existing conditions and the type of services you want. Many health insurance companies will offer you heath insurance quotes for multiple plans. The health insurance quote should indicate how much you can expect to pay each year as well as the type of plan offered. For example, a catastrophic health care plan offers coverage only for serious illnesses. The insured is expected to pick up the costs for more minor medical problems.

• 4

  Work with websites that offer health insurance quotes. Many websites allow you to obtain health insurance quotes from several different insurers at one time. You can compare health care costs from each plan and see which one offers the best health insurance options for your medical needs.

• 5

  Contact each individual health insurance company to confirm the price and terms you were quoted for any health insurance plan. The estimate you see online is only a rough estimate and not a direct guarantee of coverage.