Health Insurance
Don’t leave your health to chance. Make sure you compare health insurance coverages so you’re covered when the unexpected happens.
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Medicare Insurance Quotes
Affordable Health Insurance Quotes for Free
Free Health Insurance Quotes from EINSURANCE.com
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:
- You can purchase an individual health insurance policy through a private insurance company at any time – EINSURANCE is a great place to compare plans.
- You can only purchase from a government-operated exchange during open enrollment or when a qualifying life event creates a special enrollment period.
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.
Dental Coverage
Most health insurance plans do not automatically include supplemental coverage such as Dental. Yet good dental health is essential to your overall well-being, and dental policies are surprisingly affordable. Plans typically cover preventative care (routine cleanings and x-rays) and pay a percentage of costs for restorative procedures. You can get free quotes for dental insurance and vision insurance by choosing the product above.
Small Business Health Plans
If you own a small business, the rules are changing for you too. Whether you must provide health insurance for your employees will depend on the number of full-time employees you have, as well as other factors. You may also qualify for tax credits and premium assistance if you purchase coverage through a government-run SHOP marketplace. As of now, the Employer Mandate provision of the Affordable Care Act has been delayed until 2015/2016. Of course, you can purchase small group health insurance at any time from a private insurer and provide your employees with a valuable benefit. EINSURANCE can help you find competitive quotes based on your needs.
What Kind Of Health Insurance Do You Need?
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.
Individual Health Insurance
Protect Your Families With Individual Health Insurance
Dental Insurance
Get Preventive Care with Dental Insurance
Short Term Health Insurance
Close Coverage Gaps with Short Term Health Insurance
Medicare Health Insurance
Get Fully Covered with Medicare Health Insurance for People 65 or Older
Small Business Health Insurance
Provide Health Coverage For Your Employees with Small Business Health Insurance
Student Health Insurance
Enjoy Your College Time with Student Health Insurance
A Word About Shopping For Healthcare
Health insurance is a very personal coverage. Since it relates to the specific issues and coverage needed by a given family or individual, it has a detailed health application. As you progress through this site, we will offer a number of solutions to your health care needs. When you have decided on one or maybe two offerings to pursue, you will be transported to that company’s website to complete the application. Keep the following in mind:
- Privacy: EINSURANCE.com collects no personal data from you so we remain unbiased in the presentation of possible products. Make sure you pick a partner of ours with good credentials.
- Registrations: If you register with us, we are able to keep track of your partner selections to assist you if need be in the future.
- Detailed information: In most cases you will receive a phone call or an email to confirm or clarify your shopping process. If you receive too many phone calls or emails, please let us know immediately. Sometimes insurance organization get overzealous in their desire to help.
State Guides to Health Insurance Coverage
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.
Find your State-specific Insurance Guidelines
Choose a state:
Frequently Asked Questions (FAQs)
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.
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.
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.
