How to Get the Best Individual Health Insurance Quote Online

Getting quotes for individual health insurance plans online is today's norm. All major health insurance carriers' websites allow individuals to obtain quotes. In addition to the carriers' sites, several websites allow access to multiple insurance plans that provide quotes within minutes.

Instructions

• 1

  Create a table to document information you receive about each of the health insurance plans. Each row will represent a health plan and columns should include premium quote, co-pays, co-insurance and deductibles. Consider your budget, how often you use medical services and the type of plan you may want -- HMO or PPO or something else. This will help narrow your online search.

• 2

  Go to the websites for national health insurance plans such as Aetna, Cigna and United Healthcare to obtain a quote. Enter your zip code and answer a brief questionnaire. Upon completion, the website should display a quote.

• 3

  Access websites that give you quotes from multiple health insurance carriers such as Ehealthinsurance or US Insurance Online. These websites can provide quotes from multiple health insurance plans after answering a few basic questions. The government's site Healthcare.gov is another resources of this type.

• 4

  Enter your zip code, birthdate of you and your dependents and the date you want coverage to start. Depending on which site you visit, there may be a few additional questions such as whether or not you are a smoker. Click "Get Quote" or a similar button and several health insurance quotes will display for you to complete a side-by-side comparison.

• 5

  Enter the information from the individual carriers' websites and the display of multiple plans onto your table to complete a comparison of quotes, deductibles, co-pays and co-insurance.

• 6

  Select the plan or plans that best match the coverage you prefer at the cost you wish to pay. Click "Apply" or a similar button to apply for the insurance online. Answer any additional questions and click "Submit." Within 24 to 48 hours, you should receive another quote. Final quotes are subject to application review by the health insurance underwriters.