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Get cheap health insurance quotes online and apply for immediate individual & family health insurance coverage.

500,000 Families Quoted Since January 2017 

  • Compare Policies Side By Side
  • Coverage That Starts Immediately
  • Companies Are A+ Rated By A.M. Best
  • Short-term Health Insurance Available
  • Several Co-Pay & Co-Insurance Options
  • Multiple Deductible Options Available

Get Instant Individual Health Insurance Quotes Online!

  • Compare Policies Side By Side
  • Coverage That Starts Immediately
  • Companies Are A+ Rated By A.M. Best
  • Short-term Health Insurance Available
  • Several Co-Pay & Co-Insurance Options
  • Multiple Deductible Options Available

500,000 Families Quoted Since 2017 

What Is Individual Health Insurance?

"in Plain English” 

Individual health insurance is insurance coverage that you buy for yourself or a family member.  You can purchase this coverage online through an insurance broker, or the insurance exchange during open enrollment.

Now, there are two primary instances where your health insurance isn't considered "individual" and that is if you have coverage through your employer or through the government. 

How Does Health Insurance Work?

Pick Your Options

Your first step is to determine your monthly budget.  From there you need to decide on co-pay, co-insurance, deductibles, prescriptions & out of pocket maximums before you apply.

Make Payments

Once your policy has been approved you will need to make monthly payments on your policy to keep it in-force.  You will probably see an increase in your health insurance premiums every year.

File A Claim

It's usually easy to file a claim for health insurance, most of the time the doctors office will file them for you to make sure they get paid on time.  

What Are The Different Types Of Health Insurance?

The 4 Different Types Of Health Insurance

"in Plain English” 

There are four different types of health insurance that you can choose from and they are HMOs, PPOs, POS plans, and EPOs.

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HMO

A Health Maintenance Organization (HMO) is a type of insurance policy that limits your provider network to local facilities and usually requires a referral to see specialist. If you have an HMO Plan you should be sure to stay in-network or it could cost you.

PPO

A Preferred Provider Organization (PPO) is a type of health plan where you can use any doctor, hospital or provider. However, if you use "in-network" doctors you will pay much less for care. 

These networks are huge so you will have a lot of doctors to choose from. 

POS

A Point Of Service Plan (POS) have a smaller network than a PPO plan; however, their costs for in-network care are usually lower, like that of an HMO.  You must choose a primary care provider and any other provider from within the network of doctors. You must also get a referral to see a specialist as well.

EPO

An Exclusive Provider Organization (EPO) only covers you if you use an in-network doctor and while you won't need a referral to see a specialist, you will pay full cost if you use an out of network doctor.  Depending on the company you choose this plan might require you to pick a primary care physician.

How To Compare Health Insurance Plans (PPO vs HMO)

What Is The Difference Between HMO And PPO? 

The differences between an HMO (Health Maintenance Organization) and a PPO (Preferred Provider Organization) is that an HMO is going to have lower monthly premiums compared to a PPO. However, an HMO will require you to stay in-network for your providers. With a PPO you can visit doctors both in and out of network and it doesn't require you to have a referral to see specialists. 

HMO (Health Maintenance Organization)

  • Lower monthly premiums compared to PPO
  • Must use a specific primary care physician PCP
  • You have to get a referral to see a specialist
  • You aren't covered for out-of-network providers
  • You won't have to file a claim

PPO (Preferred Provider Organization)

  • Higher monthly premiums compared to HMO
  • You don't have to choose a primary doctor
  • You don't need a referral to see a specialist
  • You can visit out-of-network doctors (at a cost)
  • In some cases you might have to file a claim

THE SIMPLY INSURANCE WAY

Health Insurance made easy.

Agents not required.

Get quotes and sign up online all without an agent. However, as licensed agents we are here if you need us. 

Unbiased, expert advice.

Get unbiased insurance education from licensed experts and also avoid dodgy sales calls.

Coverage in minutes.

You can get health insurance coverage within minutes of getting your quotes and applying online.

What Does Health Insurance Cover?

What Does My Health Insurance Cover? 

Your health insurance coverage will help with most hospital and doctor visits, mental health, wellness care, preventative care, prescriptions and medical devices. Each of these things are covered under different parts of your policy which we discuss below: 

Deductible

Your deductible is how much you must pay out of pocket (per year) before the insurance company will start covering you (co-insurance). Deductibles can range from $0 to $10,000. The lower the deductible the higher the monthly premium. 

Co-Insurance

Once your annual deductible has been met your co-insurance will kick in to assist you with covering health care costs.  Usually you see this as 80/20 or 70/30.  The first amount is covered by the insurance company (80%) and the second amount is covered by you (20%)

Co-Pay

Your co-pay is a set amount you will pay to visit your doctor. They can range depending on if you are visiting your primary doctor or a specialist. This amount is separate from your co-insurance and usually must be paid on a per visit basis.

Out Of Pocket Maximum

Each policy will have an out of pocket annual maximum.  This is the most you can spend out of pocket in a year before you are essentially completely covered. These amounts will depend on your deductible, co-insurance and prescription drugs.

Prescription Drugs

Usually prescription drugs are going to be covered based on formulary tiers. Like Tier 1, Tier 2, Tier 3 and so on. The higher the tier the higher the cost for the prescription . You could also have a separate prescription drug deductible from your primary plan. 

Preventative Care

Most policies come with a free annual checkup when you first get your policy and then 1 free check-up yearly.  Some insurance companies are focusing more on preventative care in the beginning to help people have better long-term health care. 

What Does Health Insurance NOT Cover?

Health insurance does not cover cosmetic procedures, fertility treatments, off-label prescriptions or new technologies and products. Usually because most cosmetic procedures and fertility treatments are considered elective by the insurance companies. And, since prescription drugs are tested and approved for certain disorders, insurance companies won't cover your prescription costs if your disorder isn't listed on the "label."

THE SIMPLY INSURANCE WAY

Health Insurance made easy.

Agents not required.

Get quotes and sign up online all without an agent. However, as licensed agents we are here if you need us. 

Unbiased, expert advice.

Get unbiased insurance education from licensed experts and also avoid dodgy sales calls.

Coverage in minutes.

You can get health insurance coverage within minutes of getting your quotes and applying online.

How Much Does Health Insurance Cost?

What Is The Average Health Insurance Cost?

The average cost of health insurance is $388 per month or $4,656 per year for an individual according to recent data gathered by AARP.  For a family of four the costs were about $1,520 per month or $18,240 per year. 

So, what factors determine the average cost of health insurance? 

Your Age

Like most insurance, your age will help determine what your premiums will be. The younger you are when you purchase health insurance the more affordable it will be. 

Gender

All things being the same, women will pay higher premiums than men because women usually visit the doctor more often and take more prescriptions than men. 

Tobacco Use

Tabaco use is probably the one item on the list that will give you the largest increase in your premiums. Upwards to 60% or more per month when it comes to health insurance.

Health

Your health is the one factor that makes everyone's premiums different. While you can no longer be declined for insurance due to pre-existing conditions your premiums can be higher.

Your Deductible

The lower your deductible the higher your monthly premium.  Premiums can vary wildly depending on the amount of your deductible.  If you want the lowest premium, you will need a higher deductible. 

Your Co-Insurance

The more coverage or co-insurance you purchase the higher your premiums. An 80/20 policy is more expensive than a 60/40 policy, but it also gives more coverage. It's best to pick the policy based on needs and affordability.

THE SIMPLY INSURANCE WAY

Health Insurance made easy.

Agents not required.

Get quotes and sign up online all without an agent. However, as licensed agents we are here if you need us. 

Unbiased, expert advice.

Get unbiased insurance education from licensed experts and also avoid dodgy sales calls.

Coverage in minutes.

You can get health insurance coverage within minutes of getting your quotes and applying online.

How To Buy Health Insurance Online Fast!

Consider Open Enrollment Before You Buy!

Before you buy coverage you need to make sure that you either qualify for a special enrollment period (such as job loss or getting married) or that it is during an open-enrollment period.  According to Healthcare.gov due to COVID-19 you can enroll in marketplace health coverage February 15 through May 15 2021. 

Get Some Quotes

Don't be shy, click through to get some immediate quotes for individual health insurance.  You can work with an agent or just get your quotes online and avoid an agent all together. 

Apply For A Policy

Once you have viewed the quotes you can apply online for coverage. The application process is fast and can usually be done in one sitting.  An answer on your approval is usually immediate.

You're Covered

Within a few minutes of your application you will usually have an approval, at that point all you need to do is pay for your policy and you're covered.

Quick Policy Approvals

We are seeing customers get approved for their policy within minutes and having an active policy with immediate start dates.

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Individual Health Insurance By State

The Best Health Insurance Companies

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Our Golden Rule United Healthcare Insurance review is coming soon!

Top Companies 

"in Plain English” 

We are putting together a post that will cover the top health insurance companies in much more detail. 

Check out the top health insurance companies

Frequently Asked Questions


How much is health insurance a month for a single person?

Across all metal tiers, the average cost of health insurance per month for a single person aged 40 is around $495.  This is a decrease in premiums of around $79.00 per month when you compare it to 2018 when the monthly cost was $574.00

What are the cheapest health insurance plans?

The cheapest health insurance plans are the bronze plans in the insurance marketplace.  While they are the cheapest, they also offer the least amount of benefits. You may also qualify for a health insurance subsidy through the marketplace.

Can I buy health insurance on my own?

Yes, you can buy health insurance on your own through either the HealthCare.gov site or through an online insurance agency like Simply Insurance.  However, if you have coverage through your employer you probably won't find a more affordable health insurance plan.

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