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Health Insurance Quotes

Find the right health plan for you and your family.

  • ✓Compare plans from top-rated carriers
  • ✓See if you qualify for premium subsidies
  • ✓Coverage for pre-existing conditions on ACA plans
  • ✓Free help from licensed agents

How to choose the right health insurance plan

The best health insurance plan balances your monthly premium against what you'd pay when you actually use care. Before you pick a plan, check four things: whether your doctors are in-network, whether your prescriptions are on the plan's drug list (formulary), the deductible and out-of-pocket maximum, and whether you qualify for financial help.

Premium tax credits and cost-sharing reductions

If you buy coverage through the Health Insurance Marketplace, your household income and size determine whether you qualify for premium tax credits. Silver-plan enrollees with lower incomes may also get cost-sharing reductions that lower deductibles and copays. Our agents can estimate your savings in minutes.

HMO vs. PPO vs. EPO

HMOs typically have lower premiums but require you to use in-network providers and get referrals for specialists. PPOs cost more but let you see out-of-network doctors. EPOs sit in between: no referrals needed, but no out-of-network coverage except emergencies.

Want to dig deeper? Browse our health insurance guides.

Frequently Asked Questions

How much does health insurance cost per month?

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Costs depend on your age, ZIP code, household size, income, tobacco use, and the plan's metal tier. Many people who buy ACA Marketplace coverage qualify for premium tax credits that lower the monthly premium — some to $0 for a Bronze plan. Comparing quotes from several carriers is the fastest way to see your actual price.

Can I get health insurance outside of Open Enrollment?

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Yes, if you qualify for a Special Enrollment Period (SEP). Common qualifying life events include losing other coverage, getting married or divorced, having or adopting a baby, and moving to a new ZIP code. SEPs usually give you 60 days from the event to enroll. Some low-income households can also enroll year-round. Short-term medical plans may be available any time in many states.

What is the difference between Bronze, Silver, Gold, and Platinum plans?

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Metal tiers describe how you and the plan split costs, not the quality of care. Bronze plans have the lowest premiums and highest out-of-pocket costs; Platinum plans have the highest premiums and lowest out-of-pocket costs. Silver plans are the only tier eligible for cost-sharing reductions if your income qualifies.

Will a pre-existing condition stop me from getting covered?

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No. ACA-compliant major medical plans cannot deny you coverage or charge you more because of a pre-existing condition. Non-ACA options such as short-term plans may use medical underwriting, which is why we ask a few health questions — so an agent can point you to the right type of plan.

Is Fast Health Benefits an insurance company?

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No. Fast Health Benefits is a free comparison service. When you request quotes, we connect you with licensed insurance agents and carriers who can explain your options and help you enroll. There is no cost or obligation to request quotes.

How long does it take to get a quote?

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Our quote form takes about two minutes. A licensed agent typically follows up quickly to review plans, prices, doctor networks, and prescription coverage with you.