Free Health Insurance Quotes from EINSURANCE.com
Reviewed by Dale Williams – COO, EINSURANCE
Having health insurance is no longer an option. Under the Affordable Care Act (ObamaCare), almost everyone in America, including children and legal alien residents, is required by law to purchase a basic health plan that covers essential mandated benefits. If your employer or a spouse’s employer provides health insurance, you’re covered. However, if you’re self-employed, between jobs, or work for a company that doesn’t offer coverage, you need to purchase your own personal insurance policy.
You have a couple of options:
In either case, the good news is that you can no longer be denied coverage because of a preexisting condition, or charged a higher premium because of your gender.
If you want to wait for the government Open Enrollment Period (OEP), or if you need coverage while waiting for an employer-provided plan or a life-qualifying event, you can also purchase short-term health insurance — a temporary policy that can provide valuable stop-gap coverage and peace of mind in the event of an illness or accident.
No matter what type of health insurance coverage you need, you can get competitive quotes and compare benefits and features just by selecting the type of policy you want below.
Health insurance shopping looks different depending on what you’re comparing. Major medical and Medicare plans typically involve eligibility and enrollment period questions, while coverage like vision or pet insurance usually has a quicker application process. As you compare options on this page, you’ll be routed to the carrier’s own site to complete the appropriate application.
When comparing the health insurance plans we present to you, look beyond the monthly premium. Review provider networks, deductibles, and covered services side by side so you understand exactly what each health insurance quote and coverage option includes. A side-by-side comparison helps you spot the plan that actually fits your budget and health needs, not just the cheapest sticker price.
A few notes on the process:
Health insurance premiums vary by age, location, plan type, deductible, tobacco use, and household size.
Let’s look at some examples of what you might expect to pay on average for different plan levels in 2026.
According to KFF (Kaiser Family Foundation), the average 40-year-old is going to pay $639 per month for the second-lowest-cost silver plan on the marketplace. This number is considered the benchmark health insurance premium and can still vary widely by state. For example, the same 40-year-old will pay an average of $1,299 in Vermont, but only $401 in New Hampshire for that same plan.
Let’s break it down by plan level and look at the average lowest premium cost for each. Meaning, if you are 40-years-old and choose the cheapest health insurance plan on one of these levels, this is what you can expect to pay on average. We’ve also included the highest- and lowest-cost states to show the variance.
Data Source: KFF
As you can see, different states have wildly different costs. The reasons for this vary as much as the premiums.
Vermont has higher costs because of low competition in the market, no premium age rating (they can’t charge older citizens more than younger, which brings the cost up for everyone), a smaller, older population, and high hospital costs.
Maryland, on the other hand, has a large number of competing commercial insurers, an “all-payer” model where hospital procedures have fixed rates that prevent price gouging, and a reinsurance cushion that covers most catastrophic medical cases.
The most common health plan types differ in how much flexibility you get to choose doctors and specialists, and what you pay for it:
Still not sure what’s right for you? Read: How To Choose the Right Health Insurance Plan for You
Your rights to health care coverage and mandated benefits are subject to individual state and federal laws and regulatory guidelines. These state guides are designed to help you understand your health insurance coverage options. You’ll find information about eligibility, waiting periods, special programs available for insuring those with pre-existing health conditions and more for individual and small group health insurance plans.
Explore your options and the healthcare coverage plans available in your home state. A few minutes can make a help you get the health insurance you need at a cost you can afford.
Get clear answers to common insurance questions and important details to guide your coverage decisions.
What types of health insurance plans are available through EINSURANCE?
You can compare individual and family medical, short-term, and supplemental health insurance plans. The platform provides access to licensed partners who offer different plan types—HMO, PPO, HDHP, and more.
How do I receive health insurance quotes via EINSURANCE?
Start by visiting the health insurance section on EINSURANCE’s website, enter your ZIP code, answer questions about your coverage needs, then submit the form to get matched with partner insurers.
What factors determine my health insurance premium?
Premiums are influenced by age, location, plan type, deductible structure, tobacco use, and household size. Some plans may also consider underwriting or group eligibility.
What is a deductible, and how does it affect my health plan cost?
A deductible is the amount you pay out-of-pocket before insurance kicks in. Higher deductibles generally lower your premium but increase out-of-pocket costs when you need care.
What is the out-of-pocket maximum and why does it matter?
The out-of-pocket maximum limits how much you spend in a plan year on covered in-network services. Once reached, your insurer pays 100% of covered expenses for the rest of the year.
What’s the best way to do a health insurance comparison before I buy?
Compare each plan’s premium, deductible, out-of-pocket maximum, and provider network side by side. A thorough health insurance comparison should also account for prescription drug coverage and whether your preferred doctors are in-network. Don’t focus solely on the premium; dig deep to make sure you’re getting the most effective coverage.
How do I choose the right health insurance plan on EINSURANCE?
Compare provider networks, drug coverage, total costs (premium, deductible, co-pays), and whether the plan fits your routine or high-risk healthcare needs.
What coverage options are required under the Affordable Care Act (ACA) and what does EINSURANCE offer?
ACA-compliant plans must cover essential health benefits like hospitalization, prescription drugs, mental health, maternity care, and preventive services. EINSURANCE partners provide access to these plans.
What are “pre-existing conditions” and how do they affect my health insurance options?
A pre-existing condition is any health issue present before coverage begins. ACA rules prevent insurers from denying or upcharging based on these conditions for most plans.
What’s the difference between an HMO and a PPO?
An HMO generally costs less but limits you to an in-network provider list and requires referrals for specialists. A PPO costs more but lets you see out-of-network providers and specialists without a referral.
Can I change my health insurance plan outside of the annual Open Enrollment period?
Yes, qualifying life events such as losing coverage, moving, or having a baby allow for a Special Enrollment Period outside of the standard Open Enrollment.
What happens if I travel or relocate out of state—does my plan still cover me?
Emergency services are typically covered during travel. If you move states, you may need a new plan that covers your new location. Always check your policy’s network.
What is the difference between a Health Savings Account (HSA) eligible plan and a regular plan?
HSA-eligible plans are high-deductible health plans that let you contribute pre-tax money to a Health Savings Account for medical expenses, offering tax advantages.
How do I file a claim or get help if I have questions about my health insurance via EINSURANCE?
Claims and support are managed by the insurer you select through EINSURANCE. Contact your insurance provider directly for questions about benefits, claims, or billing.
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EINSURANCE is only a referral agent that provides you with health insurance quotes from multiple carriers. Once you need to file a claim on the policy you purchase, you will file directly through the health insurance company that you bought the policy from. You will also need to speak with them directly if you have any questions about your policy documents, policy details, or billing. Since EINSURANCE is only responsible for providing you with health insurance quotes, it is important to be aware of which company you get your policy from so that you know how to contact them with any claims or to get any information you need about your coverage.
