Health insurance doesn't have to be this confusing

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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Carriers We Work With
AetnaAetna
CignaCigna
HumanaHumana
UnitedHealthcareUnitedHealthcare
Blue Cross Blue ShieldBCBS
PrudentialPrudential
GuardianGuardian

Here's the deal with health insurance

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 bother comparing?

Because the wrong plan costs you thousands

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.

Ready to see what's out there?

Takes less than 2 minutes. No obligation.

Health / ACA Term Life Medicare
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Dead simple process

No account needed. No credit card. Just answers.

1
Tell us what you need
Pick your product and ZIP code. That's it to get started.
2
Quick qualifying info
A few basic questions so we don't waste your time with plans that don't fit.
3
Advisor calls you back
A real licensed advisor reaches out with actual quotes. Not a bot, not a call center.

Common 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.

Why use InstantHealthQuote

Actually licensed
Series 215 licensed agency operating in all 50 states. Not a lead farm — a real insurance operation.
TCPA certified
Every quote request gets a TrustedForm certificate. Your consent is documented, timestamped, and stored.
Subsidy experts
We help you figure out if you qualify for ACA subsidies that could drop your premium to $0. Most people leave money on the table.