Compare Health Insurance Quotes From Top Carriers

ACA marketplace plans, off-exchange coverage, and short-term health insurance from carriers you trust. Get your personalized quotes in under 2 minutes.

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Licensed in all 50 states
Carriers We Work With
MassMutualMassMutual
AetnaAetna
CignaCigna
HumanaHumana
UnitedHealthcareUnitedHealthcare
PrudentialPrudential
Blue Cross Blue ShieldBCBS
GuardianGuardian

What is health insurance and why do you need it?

Health insurance is a contract between you and an insurance company that helps pay for medical expenses. In exchange for monthly premiums, your insurer covers a significant portion of your healthcare costs including doctor visits, hospital stays, prescription drugs, preventive care, and emergency services.

Under the Affordable Care Act, most Americans are required to carry minimum essential coverage or may face tax implications. ACA-compliant plans cannot deny coverage based on pre-existing conditions and must cover ten categories of essential health benefits.

Whether you are shopping during Open Enrollment, experiencing a qualifying life event, or looking for short-term coverage to bridge a gap, comparing quotes from multiple carriers ensures you find the best combination of premium, deductible, network, and benefits for your specific situation.

  • ACA marketplace and off-exchange plans available
  • Subsidy eligibility calculated automatically
  • Individual and family coverage options
  • Short-term plans for temporary gaps
  • PPO, HMO, and EPO network options
  • Dental and vision add-on coverage
  • Pre-existing conditions covered on ACA plans
  • Preventive care at $0 out of pocket

Why compare health insurance quotes?

The right plan saves you thousands per year

Find hidden subsidies

Many households qualify for premium tax credits that can reduce monthly costs to $0. Our advisors help you determine your exact subsidy amount based on income and family size.

Compare networks

Not all plans cover your preferred doctors and hospitals. We help you compare carrier networks side by side so you can keep your providers without surprise out-of-network bills.

Licensed guidance

Our Series 215 licensed advisors help you understand complex plan details like deductibles, copays, coinsurance, and out-of-pocket maximums so you make an informed decision.

Get your health insurance quote now

Takes less than 2 minutes. No obligation.

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How it works

Three steps from question to coverage

1
Select your coverage
Choose from 9 insurance product lines. Tell us your ZIP and what you need.
2
Answer a few questions
Our smart 4-step form takes under 2 minutes. No junk questions, no hidden fields.
3
Get your quotes
A licensed advisor contacts you within minutes with real quotes from top carriers.

Frequently asked questions

ACA marketplace plans are sold through the federal or state health insurance exchange and may qualify for premium tax credits and cost-sharing reductions based on your household income. Off-exchange plans are purchased directly from carriers or brokers and follow the same ACA rules for benefits and protections but do not qualify for subsidies. Some consumers prefer off-exchange plans for faster enrollment or access to specific carrier networks not listed on the marketplace.
Premium tax credits are available for households with incomes between 100% and 400% of the federal poverty level, and enhanced subsidies extended under recent legislation may expand eligibility further. Your subsidy depends on income, household size, age, and benchmark plan costs in your area. A licensed advisor can help you estimate your subsidy accurately before you enroll.
The annual Open Enrollment Period for ACA marketplace plans typically runs from November 1 through January 15. Outside of open enrollment, you may qualify for a Special Enrollment Period if you experience a qualifying life event such as losing coverage, getting married, having a baby, or moving. Short-term health plans can be purchased year-round.
A deductible is what you pay out of pocket for covered services before insurance kicks in. For example, with a $2,000 deductible, you pay the first $2,000 of costs. After that, you share costs through copays or coinsurance until reaching your out-of-pocket max. Preventive care is typically covered at $0 before your deductible under ACA plans.
During Open Enrollment, signing up by December 15 gets you coverage starting January 1. Enrollment between December 16 and January 15 starts coverage February 1. Special Enrollment coverage can begin the first of the following month. Short-term plans may offer next-day coverage after approval.

What our health insurance clients say

SM
Sarah M.
Florida
★★★★★
"I got 4 ACA quotes in literally 90 seconds. The advisor called me within 5 minutes. Signed up same day."
JC
James C.
California
★★★★★
"My family was paying $1,800/month. The advisor found us a marketplace plan with a subsidy that brought it down to $400. Exact same doctors."