Health insurance quotes for 2020 havenever been easier to get your hands on
No matter the type of coverage you’re looking for.
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a month (per individual)
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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.
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.
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 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 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 to provide you with free instant health insurance quotes and a full breakdown of the costs you can expect. No more guessing – just all the information you need to make an educated choice.
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
Obamacare (the Affordable Care Act) has drastically changed the health care industry. In essence, the act has made health care more accessible and affordable for all. Even with Obamacare 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
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 by health insurance, so we’ve decided to explain the basics in detail.
What Is Health Insurance?
The concept may be self-explanatory, but health insurance helps pay for medical expenses incurred through illness, injury, emergency surgery, and general health problems.
Depending on your medical plan and scope of coverage, you might be required to immediately pay for these medical expenses at the hospital or doctor’s office. You then make a claim, and the insurance company provides a reimbursement.
When Was Health Insurance Created?
Health care insurance was established during the mid-1800s, as wealthy Americans wanted to protect themselves from extreme illness. 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.
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 your visit costs.
It’s standard practice for health insurance companies to charge an annual fee called a deductible. Furthermore, individuals are charged a monthly fee referred to as a premium.
What are the Types of Health Insurance Plans
Many Americans obtain medical insurance through their employer. This is called job-based health insurance, and most organizations in the US offer this to full-time employees. The employer covers a significant portion of the costs and the employee pays a small part of the premium every month through their paycheck.
The second option is through the Affordable Care Act, which provides coverage to all Americans who don’t have access to job-based insurance. When the bill was signed into effect in 2010, all 50 states had to choose between using the federal Marketplace or creating individual state-based exchanges.
What is the Affordable Care Act?
The Affordable Care Act (ACA) was created to provide affordable health insurance options to individuals and families unable to get coverage through an employer.
Before the ACA, health insurance companies could reject applications based on ‘pre-existing conditions’. The ACA outlawed these practices and ensured all Americans (regardless of their medical histories) could purchase an affordable medical plan.
When to Enroll for ACA
You can only purchase an Obamacare plan during the Open Enrollment Period. For 2021 coverage, the first day you can enroll, re-enroll or change an insurance plan is November 1, 2020 and ends December 15, 2020, providing 45 days for Americans to shop around and choose a plan. Coverage can start on January 1, 2021.
ACA Health Coverage Categories
The coverage options available within the ACA health insurance Marketplace are divided into four main tiers. Bronze plans have the least expensive premiums and Platinum plans are pricier but have extensive coverage and come with lower out-of-pocket costs.
- Bronze: Plans pay 60% of out-of-pocket costs.
- Silver: Plans pay 70% of out-of-pocket costs.
- Gold: Plans pay 80% of out-of-pocket costs.
- Platinum: Plans pay 90% of out-of-pocket costs.
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 essential to do some research before deciding. HealthQuoteInfo agents can explain your options and help you stay up-to-date with the latest news that may affect you.
How do I Compare Health Insurance Plans?
If you’ve recently had to purchase a health insurance policy or taken a look at the Health Insurance Marketplace, you may be confused by the available options. Finding the right health insurance policy takes some effort, but it doesn’t have to take long to find a policy that works for you.
To ensure you’re not 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.
1) Talk to Your Doctor
When looking for insurance policies, make sure your doctor is covered under the plan. Getting in-network coverage can reduce your health insurance copayments and rates, depending on the company you are working with. Going out of the 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 are comfortable with.
2) 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 about how your old insurance policy could have been better.
Remember what your deductible was with your previous policy and if you met that deductible. If you didn’t hit your deductible amount last year, you can consider increasing this part of a new insurance plan.
3) Health Insurance Marketplace
The health insurance Marketplace allows you to compare health insurance plans when searching for the right policy. Using this tool, you can look at health insurance plans 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 the past open enrollment periods, the number of Americans enrolling in a Marketplace has decreased year on year. Here are a few pointers on how you can find the best affordable health care insurance:
Lower Premiums May Not Be the Most Affordable Option
While it may feel like choosing the health insurance 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!
If you’re in optimal health, and need little care, a lower premium and higher deductible policy would be the best option. When considering a switch to another health insurance provider, take a look at the sum amount that you’ve spent during that term.
Be Wary of Your Health Care Costs
It’s not a secret that medical billing errors can happen. When you receive a medical bill you should:
- Check that the charges are for the services provided.
- Verify there’s nothing ambiguous listed on the statement.
- Verify 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.
Take Advantage Of Health Insurance Plan Discounts
Nowadays, companies are encouraging those on 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.
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.
Do Away With Unnecessary Perks
It’s often the case that if you seek 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 labeled 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 under the age of 26 or still attending university, it might be possible to receive coverage through their parents’ plan. Similarly, those under the age of 30 can benefit from different options, 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?
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, by not engaging in a health care plan, you leave yourself susceptible to high medical bills.
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, which 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 individuals. Each state has 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 with 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.
Glossary for Health Insurance
Out-of-pocket expense is the portion of medical expenses you are responsible for paying – not including the monthly premium.
The annual deductible is the amount you need to pay before the insurance company starts paying its share of the costs. If the deductible is $1,500, you must pay the $1,500 in health care before the insurance company starts paying its share.
A copayment (or copay) is a fixed monetary charge that your health insurance plan might require 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.
Coinsurance is a percentage of medical costs you are responsible for. This percentage depends on the individual insurance policy – plans with higher premiums typically have a lower coinsurance percentage.
Annual Out-Of-Pocket Maximum
The annual out-of-pocket maximum is the maximum amount of deductible, copays, and coinsurance you will be responsible for for the year. Once you reach this figure, the insurer will cover 100% of medical costs.
Continuation of Health Coverage: COBRA
What is COBRA?
The Consolidated Omnibus Budget Reconciliation Act (COBRA) allows you to continue group health coverage for a limited time. If you change jobs or become unemployed, instead of losing your employer health care benefits, COBRA lets you continue coverage but at your own cost.
Eligibility and How to Get It
To be eligible for COBRA, you must meet three basic requirements:
- COBRA must cover the group health plan.
- A qualifying event must occur (e.g. job loss or separation from spouse).
- You must be a qualified beneficiary.
Health Coverage for People With Disabilities
Those with disabilities have three options for health care coverage:
- Medicaid provides low-cost medical benefits to individuals with disabilities.
- Medicare is open to people under 65 if they have certain disabilities.
- Affordable Care Act Marketplace has coverage options for those who don’t qualify for disability benefits but need health coverage.
Top 10 Health Insurance Companies in the US
In the US, there are so many private health insurance providers. Based on the National Association of Insurance Commissioners’ (NAIC) data, the top 10 health insurance companies in the US include UnitedHealth, Kaiser Foundation, Anthem, Humana, CVS, HCSC, Centene, Cigna Health, WellCare, and Molina Healthcare.
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