Trusted Health Quotes Compare Affordable Individual Health Insurance Health Plan Service United States
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There are some key advantages of individual health insurance over an employer-sponsored health plan. For example, individual plans can provide coverage that is much more affordable, portable and customized than a health plan from an employer.
Individual health insurance can provide coverage for single individuals, families, those who are self-employed, students, seniors, or even if you're paying too much for your current plan.
Compare all your health insurance options with the advice of a licensed agent who serves your area. The service is free of charge and you have no obligation to buy anything. There are different options when it comes to individual health insurance. We all have unique needs and require unique health coverage.
Managed care health insurance plans
They were designed to solve rising health insurance costs problem and is the most common type of health coverage in USA — for both employer coverage and individual health insurance. Some of the most popular managed care plans: HMO (Health Maintenance Organization) plans, PPO (Preferred Provider Organization) plans and POS (Point of Service) health plans.Managed care plans create agreements with hospitals, doctors and other health care professionals to form a vast network of medical care providers. Those in the network discount the cost of their services in exchange for patient referrals. The result is lower health insurance premiums.
Traditional indemnity coverage plans
Also known as Fee-For-Service (FFS) plans, were the most popular type of coverage before managed care was created. FFS plans don't have any specific agreements with doctors or hospitals — these plans simply cover certain medical services. In other words, one medical service is covered equally by every health care provider.Comparing Plans from Multiple Health Insurance Companies
When you start shopping for an individual health insurance plan, it might seem overwhelming. There are hundreds, if not thousands, of different plans with varying premiums, deductibles, copayments, coinsurance rates and benefits.Compare health plan options from some of the largest insurance companies in the United States: including Assurant, UnitedHealthOne, many Blue Cross and Blue Shield companies, Time, PacifiCare, Kaiser Permanente, Aetna, Humana, Vista Health Plans, World Insurance, Mega Life and Health. Have a licensed advisor to help you find the plan that best fits your needs.