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  Individual and Family Health Insurance  

How Does It Work ?

Health Insurance in America is something we all need. We all get sick, so we all need ways to pay for our health, both preventative and otherwise. Health Insurance in America comes in three flavors — individual health insurance, purchased by individuals and families, group health insurance, purchased by companies and Federal and state programs such as Medicare and Medicaid that cater to special populations.

At BuyMyPolicyOnline.com, our main focus is on providing health insurance to individuals and families across America. You may wish to purchase health insurance by yourself if:

  • You are not covered by an employer, federal or state health plan.

  • You are covered by your employer plan but your contributions are much higher than you would like and you want to shop around. This is most common when the employer plan is “too rich” in benefits that make the cost so high.

For consumers, the key issues in buying health insurance revolve around affordability, qualification and benefits. At BuyMyPolicyOnline.com, we specialize in understanding your needs deeply so that we can recommend the right decision to you. Whether you are self employed looking for low cost insurance, a student searching for cheap health insurance, unemployed and seeking short term alternatives to COBRA or the head of your family searching for the best value family health plans - you will find answers here.

If you are looking buy the best health insurance plan for you and your family, start with a health insurance quote on BuyMyPolicyOnline.com.

What Does it Take to Get a Health Insurance Quote?

Obtaining a health insurance quote is a simple process where you need to provide your age, zip code of where you live, and if you use any tobacco products. To get a quote that has much higher accuracy, a health insurance professional will seek to understand your health conditions and needs better and where applicable, provide you likely upward or downward adjustments to your price in advance. All websites will always quote the preferred rates.

Call (877) 769-7654 or click here to get your free health insurance quote »

Why Use BuyMyPolicyOnline.com for Health Insurance Quotes ?

At BuyMyPolicyOnline.com, we specialize in finding a health plan for you regardless of your budget or health conditions. Health insurance plans come in a range of premiums, deductible and health eligibility requirements — families have widely differing needs too. We provide guidance to ensure that everyone can find the very best health insurance options.  We also don’t sell your information to a third party, so that you will never get 3-4 calls from other agents.

It’s Quick, Easy, and Free

Working with our licensed health insurance agents is simple and productive. After understanding your health insurance needs, our expert agents act as your personal shopper, scanning the marketplace for the best medical insurance plans at the lowest price. What’s the cost to you for this research? Nothing. It’s free to you.

We’re Unbiased

At BuyMyPolicyOnline.com, your needs come first. We represent many companies and don’t play favorites. As long as we’ve found the right health insurance plan for your situation, we’ve done our job.

We Offer Expert Advice

Unless you know the health insurance industry inside and out, shopping can be confusing. You can spend a lot of time visiting websites of many health insurance companies or contacting multiple health insurance brokers, but it’s overwhelming without some advice. Our experienced health insurance agents talk to thousands of customers every day, so there isn’t a situation they haven’t seen or a plan they can’t find for you and your family. Best of all, the advice is free and there’s never any pressure to buy a thing.

Many Options and Guaranteed Low Cost Health Insurance Plans!

We represent the nation’s top insurance companies including Assurant, Aetna, BlueCross BlueShield, Celtic, Humana, and United HealthOne, which allows us to quickly find the most competitive health insurance plans in your area. And because prices are fixed by law, you won’t get a better price for our plans anywhere else! BuyMyPolicyOnline.com also provides health insurance options for people with pre-existing health conditions. BuyMyPolicyOnline.com also has a Guaranteed Issue plan for those with a more serious pre-existing health condition

Call (877) 769-7654 to talk to a friendly agent and Get expert guidance and FREE health insurance quotes. To compare medical insurance plans in your state, start here.

Your agent will use information you provide — a list of things you’d like covered in your health plan, medications that you or a family member is currently taking, pre-existing medical conditions — to research, review and present recommendations to you for the most appropriate health plans. The agent will be able to answer questions you have about the plans presented and further discuss the pros and cons of each plan choice.

What Should You Look for While Buying Individual Health Insurance?

When shopping for a health insurance plan, here are a few things to consider:

  • Is the premium an amount you are comfortable paying each month?
  • Do you have money set aside that will help cover your deductible?
  • Does the health plan cover the benefits you need such as prescription drug coverage, doctor visits and hospitalization?
  • If you have a regular doctor, is your doctor in the health plan’s network?

Have more questions? Call (877)-7MY-POLICY or (877) 769-7654 and talk to a licensed health insurance agent.

What Factors Affect Your Health Insurance Premiums ?

You’ll be paying for health insurance premiums whether you use any medical services or not, so how are monthly premiums determined? Insurance companies employ actuaries who calculate the framework for determining insurance premiums. Premiums are based on a variety of factors including your health status and history, lifestyle choices, where you live, your age and your height and weight. In addition to your profile, your premiums will also vary based on the benefit options you select:

In addition, your premium costs will vary based on several coverage variables:

  • Deductible amounts — your health insurance deductible is a set amount that you must pay out-of-pocket before receiving any reimbursement of expenses from the insurance company. Many insurance companies offer high deductible plan options, which will likely lower your monthly premiums.

  • Coinsurance — your coinsurance amount is a percentage of costs that you pay for covered services. For example, if you choose an “80/20 plan,” then your insurance company pays 80 percent of the covered expenses and you are responsible for 20 percent of the covered costs.

  • Co-payment — a co-payment (co-pay) is a dollar amount that is your responsibility and it is typically applied to items such as doctor office visits, emergency room visits and prescription drugs.

  • Out-of-pocket maximums — An out-of-pocket maximum is the dollar limit that you will be responsible for during the course of the policy year. This amount typically includes deductibles, co-payments, and co-insurance but not premiums.

  • Lifetime maximums — this is the maximum amount your insurance company will pay in your lifetime for your policy.

To find out how you can match your budget with each of these health insurance coverage options, call (877)-769-7654 and talk to a licensed agent today. To start a health insurance quote click here.

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