You’ve come to the right place with this question! Yes, there are definitely free health insurance quotes online and you can find some of them right here! There are many online sites where you can find free health insurance quotes, whether from:
- A search engine-type site
- A site with insurance information such as this one
- The website for an independent health insurance agent
- Directly on the website of an actual health insurance company
For free health insurance quotes right now, just put your zip code into one of our free toolboxes on this page!
There are advantages and disadvantages to using each of these search methods, depending on your needs. If you have a specific insurance company in mind, whether you’ve had previous good experiences with it or have heard good things about it, then your best bet is to go to that company’s website and submit a free quote request there. If, however, you don’t want a particular insurance provider but are looking to see what type of health insurance plans are out there, then any of the other sites will work equally well.
How do I know whether a free health insurance quote is accurate?
Chances are that any online health insurance quote you receive will not be completely accurate. This is because most online quote request forms ask you only the most basic of information:
- Your age
- Your gender
- Your marital status
- Your zip code
- Your height
- Your weight
- Any medical conditions you may have
- Any prescriptions you may be taking
After that information, they then usually ask if you currently have health insurance and, if so, from which provider, as well as your current employment status.
Based on this basic information, many online health insurance quote sites will return basic health insurance quotes. These are usually the average cost of health insurance in your geographic area for people who share similar characteristics. However, your personal plan premium will also depend upon other factors such as:
- Tobacco usage
- The ages of any children
- Your spouse’s medical condition
- The type of health coverage you’re seeking
To get the most accurate free health insurance quote possible, you’ll need to go to a particular insurance company’s website and use their search engine or just call the company directly and speak to a customer service representative. The other way to get an accurate quote is to work with an independent insurance agent, who will shop around a selection of insurance companies to find you the lowest rates for the plan you want.
Will I have to pay an independent insurance agent to help me find a policy?
Absolutely not! You should never have to pay somebody to help you find the right health insurance policy for you and your family. Independent insurance agents receive their payment from the insurance companies that they represent. For instance, when you decide on a plan from a particular insurance company that the agent recommended and you purchase that policy through the agent, the insurance company whose plan you bought will pay a commission to the agent.
What happens if I decide I no longer want my health insurance plan?
As long as you’re not talking about a Medicare, or other government-issued health insurance plan, you can decide to cancel your health insurance policy at any time. You simply need to contact your independent insurance agent or the insurance company’s representative and let them know that you’d like to end your contract. While you can’t get money back for days that you were covered, you should be able to receive a refund of any unused portion of the insurance premium.
Be sure to choose another health insurance plan before you cancel your old one so that you’re not left without coverage, even for one day. It would be awful if something happened to you or your dependents on the one day between one coverage ending and another one beginning. Coverage is never retroactive and many health insurance companies do not cover pre-existing medical conditions.
A good method for switching health insurance plans is to let your agent know that you’re unhappy with your current policy and you’re looking to make a switch to a new one. Let them know specifically what aspect you’re unhappy about, whether it is the:
- Price of premiums
- Selection of network providers
That way your agent will have a good idea of any other policy that will fit your needs.
Get a general idea about the type of health insurance rates available in your zip code by entering it in the box below!