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Health plans come in two forms, managed care plans and indemnity plans. An indemnity health plan is the traditional type of plan that generally requires you to pay for coverage and seek reimbursement. These are less popular than the more affordable health plans called managed care plans, which are explained below.

If you are in the market for an affordable health plan, then you need to visit eHealthInsurance, the online leader in cheap health plans. With eHealthInsurance, you can easily compare health plans from over 180 of the top health insurance carriers, instantly get no-obligation quotes, and even apply for coverage online. Shopping for health plans has never been easier!

Managed Health Plans Explained

The popular managed health plan comes in three varieties, as the following explains:

  • HMO (Health Maintenance Organization) health plans require you to pick a main doctor from their network of preferred doctors, and you will see this one physician for most of your healthcare needs and get referrals to specialists from him or her. An HMO is generally a cheap health plan compared to other types, usually not requiring an annual deductible or copayments; you tradeoff flexibility for affordability with an HMO.
  • PPO (Preferred Provider Organization) health plans are still affordable health plans but generally cost more than an HMO, they usually require you to pay copayments or coinsurance for certain medical care, and often have an annual deductible you have to satisfy. However, a PPO plan gives you the option to choose from any doctor from within their network to seek primary care, or specialized health services, giving you great flexibility to manage your healthcare needs.
  • POS (Point of Service) health plans combine both HMO and PPO features, trying to give you the best of both worlds. You can seek care from a wide variety of doctors and specialists and be subject to a deductible, or seek care from your primary care physician and not be subject to a deductible. Flexibility and low cost are the hallmarks of a POS plan.

Use eHealthInsurance to compare health plans to see if you would be better off with the flexibility of a PPO or the cost savings of an HMO.

Quotes for Affordable Health Plans

eHealthInsurance is the only destination on the Internet you need when it comes to finding affordable health plans. With eHealthInsurance, you can choose from over 10,000 health care products, many of which are cheap health plans that offer you the coverage you want, with premiums you can afford.

Health plan premiums are regulated by the Department of Insurance, which means that the quotes you get from eHealthInsurance are the lowest available for a particular plan. Use eHealthInsurance's comparison and research tools to find the right health plan for you. Apply for coverage directly from eHealthInsurance's interface and get the best rates for the best available health insurance.

Get your instant, no-obligation affordable health plan quotes today from eHealthInsurance!