Health insurance quotes for 2020 havenever been easier to get your hands on

No matter the type of coverage you’re looking for.

  • Aetna Health Insurance 2019
  • Kaiser Permanente Health Insurance 2019
  • Anthem Blue Cross Blue Shield Health Insurance 2019
  • Cigna Health Insurance 2019
  • Humana Insurance 2019
  • Oscar Health Insurance 2019
Compare plans as low as

a month (per individual)

Compare plans as low as

a month (per individual)

Compare plans as low as

a month (per individual)

Individual Health

With so many options on the market and the confusion of Obamacare thrown into the mix, it can be hard to find the perfect individual coverage for you and your family. We got rid of the guess work.

Family health

Keeping your family safe and covered is your number one priority. We know this, and after digging into the new laws – we've found several great health insurance options for you to choose from.

Short-term medical

Life happens. Sometimes short-term medical insurance is what’s needed. This type of health insurance is meant to bridge the gap from completely uninsured to a full coverage health plan.


Medical expenses can destroy your financial security while your health reaches its low-point. Supplemental insurance was created to protect you when your major health insurance coverage does not.


Changing jobs is a common occurrence in today's economy. As such, individuals not working for a company can struggle to find coverage. COBRA coverage allows these people to receive group rates for a short time after employment ends.

Small business

Small business insurance is a necessity for owners in today's business climate. You can reduce your risks significantly, but there are a variety of other reasons this coverage is so important.

When confusion continues to keep you down, we’ve made finding a health insurance quote simple at HealthQuoteInfo. When all you need is a health insurance quote for 2020 – whether it be an individual or family plan, a small business health policy, or supplemental insurance – we have you covered. HealthQuoteInfo is your number one sources for all things insurance.

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Buying Health Insurance From HealthQuoteInfo

At HealthQuoteInfo, we strive to bring you the information you need to make an intelligent choice when buying health insurance. 

Our detailed research explores both private health insurance and cheap health insurance options to provide you with free instant health insurance quotes. These quotes ensure you understand a policy and know exactly what costs will be associated with the plan. No more guessing – just the detailed information you need to make an educated choice regarding your health care insurance.

Detailed Breakdown

We breakdown a variety of health insurance plans, supplemental insurance and more to ensure you understand the ins and outs of any policy you’re considering. Whether you’re looking for cheap or private health insurance, our free quotes lay out all of your options.

Understanding of Obamacare

The Affordable Care Act has changed things in the health care industry. Even with the act being in place for a few years, many are still struggling to understand the changes. That’s where we come in!

Affordable Health Insurance Quotes

Pricing tends to be vague online. By offering quick discount health insurance quotes for individuals and families, we don’t sell you on a policy that you could never afford. Our goal is to save you time and money.

Cost-Saving Information

It is easy to get roped into paying for insurance policies and medical plans you don’t need. With our expertise, you’ll find that paying for useless coverage is a wasteful habit of the past.

Millions of Americans are still confused about this topic, so we’ve decided to take the time and explain the basics in great detail. So sit back and get the answers to all of your burning questions.

What Is Health Insurance?

The concept may be self-explanatory, but health care insurance encompasses the medical expenses for an individual or household. The term medical expenses refer to the following: illness, injury, emergency surgery, along with general health problems that can occur at any given time throughout the year.

Depending on your medical plan and the scope of the coverage, you might be required to pay for these medical expenses immediately at the hospital or doctor’s office. You then make a claim, and the insurance company provides a reimbursement. Although some insurance companies these days don’t require you to pay upfront, saving you valuable time and money.

The term ‘provider’ is thrown around a lot and refers to a doctor, clinic, hospital, pharmacy, or a designated practitioner recognized under the regulations of the health insurance company. A great example of a designated practitioner is a midwife, which is not universally covered under every policy.

When Was Health Insurance Created?

Health care insurance was established during the mid-1800s, as wealthy Americans wanted to protect themselves from extreme illness. The invention also coincided with the development of insurance, which aimed at protecting an individual’s assets in exchange for a regular payment.

Fast-forward to the present day, the concept of health insurance remains intact. It’s no longer just for the ultra-wealthy, as middle class and low-income individuals and households now have access to some form of health coverage.

How Does Health Insurance Work?

The health care insurance process is quite simple. You pay a health insurance company regularly, and they pool your money with other individuals, creating a vast sum of capital. Whenever you need to go to the hospital or take a trip to see your doctor, the insurance company siphons a bit of money to cover the costs of your visit.

It’s standard practice for health insurance companies to charge an annual fee called a deductible. Furthermore, individuals are also charged a monthly fee referred to as a premium.

Before the Affordable Care Act, health insurance companies could reject applications based on their ‘pre-existing conditions.’ This encompassed the elderly population and those who had recovered from a life-threatening illness. The insurance company viewed these individuals as a liability and refused them coverage. The Affordable Care Act outlawed these practices and made sure all Americans (regardless of their medical histories) could purchase an affordable medical plan.

How To Get Health Insurance?

There are two main ways most Americans access an insurance program. 

Through Your Employer

Many Americans obtain a medical insurance plan through their employer. This is called job-based health insurance and most organizations in the US offer this to full-time employees. The way it works is that the employer covers a significant portion of the costs and the employee pays a small part of the premium every month through their paycheck.

Through the Affordable Care Act

The second option is through the Affordable Care Act, which is meant to provide coverage to all Americans who don’t have access to job-based insurance. When the bill was signed into effect seven years ago by President Barack Obama, all 50 states had to choose between using the federally facilitated marketplace or creating individual state-based exchanges.

You can only purchase an Obamacare plan during the Open Enrollment Period. For the 2020 period, the first day you can enroll, re-enroll or change an insurance plan is November 1, 2019 and ends December 15, 2019, providing 45 days for Americans to shop around and choose a plan. Coverage can start on January 1, 2020.

How Much Is Health Insurance?

The cost of medical insurance depends both on your needs and your location. Prices vary between counties and state boundaries, so it’s important to do some research beforehand before making a decision. We suggest speaking to one of our agents here at HealthQuoteInfo so you can fully understand all of your options and stay up-to-date with the latest news that may affect you.

What Is The Penalty For Not Having Health Insurance?

Up until 2019, those who refused to purchase a health insurance plan during the Open Enrollment Period were penalized. 

This penalty has now been eliminated because of recent changes by the Trump Administration. 

Those who received a tax penalty for not having health care insurance in 2018 still have to pay the penalty on their 2019 tax forms. The penalty amount varies depending on your state and the size of your household, although most states use the following model:

Percentage of income

  • 2.5% of your household income
  • The maximum equates to the total annual premium for the national average price of a bronze plan sold through the marketplace.

You’ll pay whichever option is higher, and the fee rises according to inflation.

Per person:

  • $695 – per adult
  • $347.50 – per child under 18
  • Maximum – $2,085

How do I Compare Health Insurance Plans? 

If you’ve recently had to purchase your own health insurance policy or you have taken a look at the Health Insurance Marketplace, you may be confused by the options that are available. Finding the right health insurance policy takes some effort, but it doesn’t have to take a lot of time for you to find a policy that works best for you.

When looking at so many different options, the details can be hard to keep track of when comparing medical plans. To not be underinsured or over-insured, it’s helpful to compare health insurance plans. Here are a few ways to sift through applicable health insurance policies quickly and effectively.

Talk to Your Doctor

When looking for insurance policies, make sure the doctor you go to the most often is covered under the plans you are looking at. Getting in-network coverage can reduce your health insurance co-pays and rates, depending on the company you are working with. Going out of network could cost you more.

Comparing medical plans allow you to find a health insurance plan that is within your network, so you can keep going to the doctors you already are comfortable with. Once you find insurance plans that are in the network, you can pick and choose the plan that fits your needs best.

Evaluate Your Health Care Needs

Think about the last health insurance policy you had. Did it meet your needs? Did you have trouble making claims? Were your doctors in the network? 

Before you pick a new health insurance plan, think of the ways that your old insurance policy could have been improved.

Remember what your deductible was with your previous policy and if you met that deductible. A higher deductible usually means you’ll pay lower monthly premiums. If you didn’t hit your deductible amount last year, you can think about increasing this part of a new insurance plan. Of course, you’ll want to make sure you have the money to pay a higher deductible should an accident or illness happen.

If you have had higher health care costs in the past, choosing a plan where you pay more might be a better option for you. Of course, if you have health insurance through your employer, they may contribute money to a health savings account that you can use for any medical emergencies you may have.

Health Insurance Marketplace

The health insurance marketplace has a feature that allows you to compare health insurance plans when you are searching for the right policy. Using this tool, you can compare health insurance plans you are interested in side by side to compare deductible amounts, out of pocket costs, exclusions and limitations, and other details regarding individual policies.

Tips on How to Buy Health Insurance

In 2018, the National Patient Advocate Foundation revealed that “1 in 5 American Families will struggle to pay a medical bill this year.” As reported by the 2019 enrollment report, 11.4 million Americans selected or were automatically re-enrolled in an Exchange plan during the 2019 Open Enrollment Period in the 50 states, plus DC. This is a decrease from 11.8 million consumers during the 2018 OEP. 

Perhaps it’s due in part to the many reports about how healthcare is changing under Trumpcare or the rising costs of proper coverage. No matter who is in office come next year, people are thinking twice about their future health care plans, and how they can lower costs. Here are a few pointers on how you can find the best affordable health care insurance, no matter what happens next election! 

Lower Premiums May Not Be the Most Affordable Option

While it may feel like choosing the health care plan with the lowest premium will give you the most bang for your buck, you shouldn’t base your decisions on the premium; base your decision on how much you’re getting out of your plan! 

For example, if you’re in optimal health, and need little care, a lower premium and higher deductible policy would be the best option for you. When considering a switch to another health insurance provider, take a look at the sum amount that you’ve spent during that term. This can include everything from appointments and medications to preventative care and emergency visits. 

Tip: You can get an idea of what kind of subsidy you may qualify for by using a tool like the Online health care subsidy calculator. 

Be Wary of Your Health Care Costs

Before you pay that medical bill, you may want a second opinion. In March 2016 CNBC reported that “While the American Medical Association estimated that 7.1% of paid claims in 2013 contained an error, a 2014 NerdWallet study found mistakes in 49% of Medicare claims. Groups that review bills on patients’ behalf, including Medical Billing Advocates of America and CoPatient, put the error rate closer to 75 or 80%.” It’s not a secret that errors in medical billing can happen, but did you have any idea that it happened so often? 

When you receive a medical bill you should: 

  • Check that the charges are for the services provided.
  • There’s nothing ambiguous listed on the statement.
  • That the claim was submitted and processed by your health insurance company.
  • Compare the cost you’re billed versus the insurance claims.
  • File it away in case needed in the future.

Tip: Check if your doctor is charging you for the balance left over after they’ve been reimbursed from the health insurance company. This act is called ‘balance billing,’ and certain states have laws against it. Always check to see if you legally have to pay.

Take Advantage Of Health Insurance Plan Discounts 

Nowadays, companies are encouraging those on their health insurance plans to utilize fitness trackers. Ask a licensed insurance agent or your employee benefits manager about plans that give discounts for these types of incentives. 

Tip: You might be able to access a discount through many different routes, such as through your employer, any clubs or associations that you belong to, or your bank. Never hurts to educate yourself on what you can get for a discount! 

Do away with Unnecessary Perks

It’s often the case that if you seek out a good quality base plan, you don’t need to add on all of the costly extras that can end up contributing a large portion of the final price. When something is labelled as an ‘extra’, it is probably non-essential, and will only come in handy in specific situations.

See If Your Household Qualifies For Advantages

For those who are under the age of 26 or are still at university, it might be possible to receive coverage from their parents’ health coverage plan. Similarly, those under the age of 30 can benefit from different options that are open to them, usually done to attract them as valuable lifetime customers. Otherwise, families and those with long term spouses receive certain advantages, with many premiums tailored to their needs.

Is Health Insurance Mandatory?

With growing medical costs and aging populations, many governments are introducing mandatory health care insurance to cope with the pressures. Until recently, health care insurance in the US was mandatory but from 2019, there is no requirement for the public to obtain health insurance. 

Although it’s no longer mandatory, and there are no penalties for not having a health care plan, it is still highly recommended to get covered. By not engaging in a health care plan, you leave yourself susceptible to high medical bills.

What is copay in Health InsuranceÉ

A copay (or copayment) is a fixed monetary charge that your health insurance plan might require you to pay when you receive a specific medical service or supply. Copayments are typically for small amounts up to $30 and are for services such as appointments and prescriptions. 

The copayment amount will vary depending on the service and your health care plan. 

Can’t Afford Health Insurance – What are My Options?

There are plenty of cheap health care insurance options available. Chances are, you just haven’t found them yet. Request free instant health insurance quotes and our team will supply you with a list of affordable options to choose from. 

Options for those who can’t afford health care insurance include:

Catastrophic health plans

The low monthly cost will protect you should more serious problems arise – something that could otherwise put you financially at risk. The plan likely won’t include doctor visits but may cover you in the event of a misdiagnosis or accident.


Medicaid provides free or low-cost health coverage to millions of Americans under 65, including some low-income people. Each state has its own guidelines for eligibility but it is possible to qualify should your income be below a certain level.

Children’s Health Insurance Program

The Children’s Health Insurance Program (CHIP) provides health coverage to children in families that have an income above the level to qualify for Medicaid but can’t afford private coverage. The individual must be below 18 years of age and meet their state’s unique requirements. 


Removing waste within health care - we strive to save you time and money when investigating coverage, getting affordable health insurance quotes and paying premiums.

Request your free quote and find out the exact prices of coverage you need.