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Getting free health insurance quotes is fast and easy when you take your search online. But before you get a quote for health insurance, you need to know if the health plan is right for you. Ask the questions below for every plan you are interested in and when you find the right plans to compare, it is time to get a private health insurance quote.

Your online destination to compare health insurance quotes is eHealthInsurance. With the ability to compare health plans from over 180 of the leading health insurance providers,, is the only destination you need to find the health coverage you and your family require. Without needing to leave your computer, you can research, compare, and get a FREE health insurance quote for the plans you are interested in.

Before You Compare Health Insurance Quotes, Ask These Questions

The first step to accomplish before you compare quotes for health insurance is to ask the following questions about each health plan:

  • What will the plan cost you out-of-pocket? Besides the monthly premiums you have to pay, what other expenses are you responsible for? Is there a deductible, copayments, or other charges that you will be responsible for? If you seek care outside of your network, will your plan even pay? If so, how much?
  • Does the plan offer the benefits you need? Are you covered for prescriptions, normal medical procedures, and other treatments that are less common? What physicians and medical facilities are part of the network? Is there a maximum the plan will pay for procedures, and is there a lifetime maximum for the plan?
  • How do other people feel about the coverage? Read reviews from actual customers to get a feel for how good the policy and provider are. Sites that offer health insurance quote comparison often times have a place for consumer reviews., make sure that you are choosing the right plan before you even worry about getting the best health insurance quote. Use eHealthInsurance's free service to narrow down your choices and then they will provide you with the private health insurance quotes you need.

Compare Free Health Insurance Quotes

When it comes time to research medical plans and compare health insurance quotes, eHealthInsurance is the only website you need. They offer the widest selection of top-rated health insurance plans and offer the best rates for coverage. Because health plan premiums are regulated by each state, you will not find lower rates for a particular plan than what eHealthInsurance offers.

Use eHealthInsurance's no-fee service to find the health insurance coverage you need, at a cost that you can afford. With the ability to get free health insurance quotes from your computer, there is no need to go anywhere else.

Get FREE health insurance quotes from,, today!

How Health Insurance Works

Below is a video from eHealthInsurance using a hypothetical scenario to help explain how health coverage works.

Managed Care Plan Types Compared

Low Flexibility - HMOs (Health Maintenance Organizations) have the least amount of flexibility of the three managed care plan types as they require the insured to have a primary care physician who refers them to any other medical professionals. Care is all within the network of doctors that have contracted with the health insurance provider - this limits the provider options. If a medical professional or facility is not within the network, the insured will not have medical coverage if they choose to use them (unless it is an emergency).checkmarkno-xno-x
Moderate Flexibility - POS (Point of Service) plans are more flexible than the HMO plans, but not as flexible as the PPO plans. POS plans are a hybrid of both HMO and PPO, with the main component being a referral and co-pay based plan like an HMO where a primary care physician is picked, who then refers the insured to in-network medical professionals, and the insured is responsible for co-pays up to an annual out-of-pocket amount. A POS has an out-of-network option that is deductible, non-referral based that allows the insured to choose where to receive care, but expenses are out-of-pocket until the annual deductible limit has been met. This gives an option to a person that doesn't want to be locked into a totally referral based structure that an HMO
High Flexibility - PPO (Preferred Provider Organization) plans are the most flexible of the three managed care plan types. There is no referral necessary to see a medical professional, which means the insured can seek care from whomever they wish, including both in-network and out of network providers. Costs will generally be lower for in-network providers, as the medical professionals have a contractual obligation to provide care at a negotiated rate. While care can be sought outside of the network, the insured will be faced with higher annual deductible amounts, possibly higher co-insurance amounts, and generally overall higher
In-Network Only - Healthcare must be received from a medical professional that is part of the network that contracts with the insurance provider. This network of medical professionals has a contract with the insurance company that states they will provide services for a set rate (depending on the service rendered), thus providing care at a discounted rate. If care is received from a medical professional outside of the network, the insurance provider most likely will not pay for the coverage (except for cases of emergencies).checkmarkno-xno-x
In & Out of Network - The insured may seek medical care within a network of healthcare professionals that have contracted with the insurance provider to provide care at a reduced cost. The insured may also seek medical care outside of the network, but their out-of-pocket expenses will be higher as care is not provided at a reduced rate. Maximum annual deductibles will be higher for out of network providers, greatly increasing the costs to the insured, giving them incentive to only seek care from an in-network
Referral Based - The insured must pick a primary care physician who provides referrals to other medical care professionals as needed. If you see a specialist without a referral, your costs most likely will not be covered by the insurance provider.checkmarkcheckmarkno-x
Non-Referral Based - The insured does not need a referral to seek medical treatment from a healthcare professional. They may see whomever they wish, though it is in their best interest to see in-network providers to keep their costs
Co-Pay Based - The insured is responsible for co-pays (for office visits and medical procedures) until an annual maximum out-of-pocket expense limit is reached, at which time coverage is paid for 100% by the insurance provider.checkmarkcheckmarkno-x
Deductible Based - The insured pays for care out-of-pocket (at rates negotiated by the insurance company) until an annual deductible is met, at which time the insurance company starts to pay. Once the deductible is met, there may be a co-insurance amount (up to an annual maximum), which is a percentage of the bill the insured pays, such as 20%, where the insurance company picks up the tab for the rest. Depending on the plan, you may have a co-pay for certain things such as doctor office visits, though many PPOs don't use a
Low Cost - An HMO typically is the least expensive health coverage option, but gives you the least flexibility.checkmarkno-xno-x
Moderate Cost - A POS plan's price usually comes in somewhere between that of a comparable HMO and PPO. This is because it offers a bit of the benefits of both, while trying to contain costs. People looking for the low cost benefits of an HMO, yet a bit more flexibility (like a PPO) should consider a POS
Higher Cost - A PPO plan is the most flexible, but is usually the most expensive. You pay for the ability to pick and choose your medical professional, without being locked down to a primary care provider. If flexibility is what you want, you will pay a higher monthly

*POS Plans - The most popular type of managed care plans are HMOs (Health Maintenance Organizations) and PPOs (Preferred Provider Organizations). POS plans, while available, are not as common as the other two, so as you are comparing plan benefits and costs via eHealthInsurance's website, don't be surprised if all you see are HMOs and PPOs.

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