2019 Affordable Health Insurance Quotes

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Ensurance Finder makes buying health insurance easy

EnsuranceFinder.com connects consumers with variety of health insurance plans which include individual and family health insurance, HMOs, PPOs, POS, Indemnity plans, short-term health insurance plans, limited medical plans, dental health insurance.

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  • Purchase a Health Policy on the Phone

Licensed Agents With Access to Multiple Insurance Carriers

Affordable health and medical insurance plans for your family.

PPO Insurance

Preferred Provider Organization (PPO) plans offers a network of healthcare providers you can use for your medical care. These providers have agreed to provide care to the plan members at a certain rate which makes these health insurance plans attractive. 

Individual Health Insurance

Individual health insurance is coverage that you purchase on your own, on an individual or family basis, as opposed to obtaining through a group plan that is often provided by an employer. Going through a Carrier or Broker can often help you find the right plan that fits your lifestyle and budget. 

Short Term Health Insurance

Short term health plans provide coverage as early as tomorrow. These plans are cheaper than ACA plans with a quick application process. May let you keep your existing doctors and initial term coverage from 1 to 12 months. These plans tend to be guaranteed issue, meaning that you cannot be denied coverage.

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Compare Multiple Health Insurance Options

Current healthcare marketplace offers several options:

HMOs (Health Maintenance Organizations) – restricts you to doctors, other health care providers, or hospitals on the plan’s list, and will not cover out-of-network care except in an emergency. The plan may require you live or work in a specific service area in order to be eligible for coverage.
PPOs (Preferred Provider Organizations) – PPO plan contracts with medical providers, such as hospitals and doctors, to create a network of “participating providers.” Most often you pay less if you use doctors, hospitals, and other health care providers that belong to the plan’s network, and pay more if you go outside the network.
POS (Point of Service) Plans – participants pay less when they use doctors, hospitals, and other health care providers that belong to the plan’s network.

Based on your health and current/future prescription medication requirements, monthly budget, and doctor/facility preferences will each play a role in determining which plan is best for you.

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Buying Health Insurance is Simple!

Buying health insurance (health care plan) can be a confusing and overwhelming process. Where do you go? What is the health insurance marketplace, Obamacare and affordable care act? Is there a place I go to buy a health insurance plan from my state? Top it off, what’s up with Medicare and Medicaid?

First-thing-first: Find a health insurance plan within your budget. Then you have to contact the company or an insurance agent in order to get a quote. Once you have all of that information, you can evaluate your options. It is a very personal and complicated process, but there are ways to simplify it.

Affordable Care Act (sometimes referred to as “Obamacare”) is in place, it is much easier to find a health insurance plan based on your income and personal health needs.

Before you settle on a plan, you should first get a quote, find a price, and discover any out-of-pocket expenses your plan will expect you to pay (such as deductibles, co-insurance, and copay charges). Once you have all of this information together, it will be easier to find coverage which fits your needs. Also you can quickly and easily apply for coverage through the new Healthcare Marketplace.

What is the Healthcare Marketplace?

The Affordable Care Act established the Healthcare Marketplace.

There are two divisions – a state level health marketplace, and a federal level health marketplace. 37 states are members of the federal exchange, and 14 are limited to a state exchange. Unfortunately, not all insurance companies are required to provide information about their plans and prices to the Healthcare Marketplace, so be prepared to do some local searching for affordable plans in your area.

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Health Insurance Exchange

The Health Insurance Exchange is the pool of health care plans and providers which are cooperating with the federal government in order to provide affordable health insurance to Americans in many states.

37 states are members of the Exchange on the federal level: AL, AK, AZ, AK, DE, FL, GA, HI, IL, IN, IA, KS, LA, ME, MI, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, PA, SC, SD, TN, TX, UT, VA, WV, WI, and WY.

To see if you qualify for a tax subsidy, you need to enroll on the Healthcare Marketplace website (either the federal one, or your state’s website). If you do not qualify for a subsidy for whatever reason, you have the option of shopping through the Exchange or in your state’s private marketplace.

We can help you navigate the perfect health insurance plan. We are a phone call away. If you are looking for an alternative to the phone number for Obamacare, HealthEnsurace can definitely help. We work with several premier partners who are licensed in your state. They are qualified to go over several plans so you can make the right choice. In the end if you still need the phone number for Obamacare just ask one of our premier partners.

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When Do I qualify to sign up for health insurance?

Obamacare – a nickname for the Affordable Care Act. Its full name is the Patient Protection and Affordable Care Act. Obamacare was signed into law by President Barack Obama in March of 2010.
Healthcare (insurance) Marketplace – a resource for those without health insurance to find affordable coverage through either a state or federal exchange. Again in his marketplace are the Obamacare (e.g. Affordable Care Act) plans that are available. Obamacare is best for those who are eligible for the subsidies (see below more on Obamacare subsidies).
Subsidized Health Insurance – The passing of the Affordable Care Act (Obamacare) began the process of subsidizing (offering at a lower cost) health insurance plans for those who cannot otherwise afford health insurance and medical care.
Medical Insurance – another term for health insurance. Also synonymous with healthcare plans and medical coverage.
Health Insurance Companies – companies which underwrite (provide) health insurance plans. They are responsible for paying out claims when their beneficiaries (customers) receive medical care.
Health Insurance Quotes – most health insurance companies are required to give you an accurate estimate of what you should expect to pay as well as the terms of your health insurance plan, should you decide to do business with them. These estimates are commonly referred to as a “quote”.
Premium – the monthly cost you must pay to maintain your health insurance coverage. Also sometimes referred to as a “monthly premium”.
Deductible – a fixed dollar amount your insurance company will require you to pay out-of-pocket for your medical care before they will pay out any claims. The deductible and monthly premium are inversely related: the higher the premium, the lower the deductible, and vice versa.

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Top Rated Health Insurance Providers

Aetna
UnitedHealthCare
Humana
BCBS (Blue Cross Blue Shield)
Cigna
Anthem
AARP
Molina Healthcare

Looking to purchase health insurance?

There are hundreds of different health insurance companies participating in the Health Marketplace Exchange (Obamacare and Affordable Care Act) offering different plans. These companies are rated on a letter grading scale (A, B, C, etc.) based on their performance. Their grade is calculated by attributes such as financial stability, claim payments, and customer service. You might also want to ask around among friends, family members, and colleagues. If their plans are working for them, they could work for you too.

Here is list of some companies that our partners work with: Aetna, UnitedHealthCare, Humana, BCBS (Blue Cross Blue Shield), Cigna, Anthem, Molina Healthcare, AARP, and many others.

Many doctors don’t accept patients without insurance and hospitals have the tendency to charge higher rates to customers without insurance. In emergency situations you will be treated, but you will have little protection from the bills that the hospital charges you.

There are also Short Term Medical plan (also known as Fixed Indemnity). They work like traditional insurance except they give you cash (fixed amount) for every doctors visit. Fixed indemnity insurance pays a set benefit per specified medical expense, as opposed to a share of the total covered costs after a deductible, which is an approach you might be used to from major carriers like UnitedHealthCare, Humana, BCBS (Blue Cross Blue Shield), Cigna, Anthem, Molina Healthcare, AARP etc…