For over 20 years we've helped more than 5 million customers find affordable health insurance.
eHealth is an authorized federal government partner.
Individual & Family
Medical Insurance Packages
Individual & Family
If something unexpected happens to you – like a car accident or a serious illness – hospital expenses can quickly rack up. Individual health insurance can help prevent staggering expenses if you face a medical emergency. Major medical insurance is a type of coverage that provides benefits for a broad range of health-care services, both inpatient and outpatient. This health insurance can save you money on routine doctor's visits, prescription drug coverage, preventative care and other medical services. The plan will typically come with costs such as a monthly premium, an annual deductible, copayments, and coinsurance.
Some of the factors that may influence the cost of your plan are your age and your tobacco use. Almost anyone can purchase an individual or family health insurance plan, and it is no longer possible to be declined based on your medical history.
Medical Insurance Packages
If you can’t afford or don’t qualify for traditional major medical health insurance, you may want to consider packaged medical insurance to help protect you from unexpected medical costs. Packaged medical insurance is a way of conveniently bundling together several different insurance products which may also be purchased separately.
Medical Insurance Packages are designed to function as an affordable alternative to major medical health insurance (Obamacare) plans. Medical insurance packages have limitations and don’t meet all of the requirements of the Affordable Care Act.
A short-term plan is temporary health insurance designed to help you bridge the gap between coverage by major medical plans. These provide much less comprehensive coverage than major medical plans and do not satisfy the requirements of the ACA or help avoid any ACA tax penalty.
You may want to enroll in a short-term health insurance after experiencing a job loss to get coverage while between jobs and employee benefits. You may also want a short-term plan if you are waiting for coverage to start and want protection in the meantime. Short-term plans usually have low premiums compared to other plans, and you can be approved quickly, sometimes on the spot. Short-term plans feature flexible terms and can cover you for any period between 30 days and 12 months. Short-term plans don’t cover pre-existing conditions and are not guaranteed-issue.
What You Get With eHealth
Whether you need health insurance for yourself, your business, or your family, eHealth has a wide range of choices. Let our experts help you find the health insurance you need.
Compare plans and premiums in just a few clicks. You can even find which health plans in your area cover your prescriptions, and how much they cost.
Our licensed insurance agents are just a phone call away during business hours, and you can ask questions by "chat" 24/7. You can count on eHealth.
Yes! You can enroll for health insurance during Open Enrollment starting November 1st until December 15th, 2017.
Outside of that time, you can qualify for Special Enrollment Period with “qualifying life events”. Some of these events include divorce, loss of employment, income change, new dependents, or moving to a new area. You will have to prove that you had a qualifying life event, and find health insurance within a certain window of time. Shopping with the help of resources at eHealth helps make this process faster, and get you covered as soon as possible.
Health insurance costs vary in many ways. Deductibles, premiums, and copayments all play into what your health insurance costs will come out to. eHealth studies have shown that in 2017 the average individual premium was $393 without any subsidies. By comparing quotes, and speaking with a licensed agent, you might be able to find prices significantly lower than this, that still meet your needs. Taking the time to shop around and compare can make a huge difference in what you’re paying for your health insurance.
Prices are fixed by law, so you will not find better prices for the same plan anywhere else. But comparing your options might help you find low-cost health insurance. You can shop around online and use free quotes from eHealth to find providers that offer high-quality, low-cost individual and family health insurance plans. Seeing all your options could make finding low-cost health insurance easier.
Coinsurance is the percentage of healthcare costs you pay after you have met your deductible. Essentially, coinsurance is anything that comes out of your own pocket while sharing costs with your health insurance provider. If your coinsurance is 20%, that means insurance is paying for 80% of the costs for your healthcare.
A high deductible health insurance plan has higher deductibles and lower premiums than most other health insurance plans. This means you pay a smaller fixed amount every month, but it will take a longer time for insurance to kick in and begin cost-sharing (meaning you will pay your percentage of coinsurance for every bill). You might benefit from this plan if you don’t require many doctor’s visits or other healthcare benefits. Look at quotes for high deductible health insurance plans to figure out if this plan is right for you.
If you are looking for individual or family health insurance, it helps to get advice and ask questions. Licensed insurance agents at eHealth are here to help you make the right decisions for you and your family. They can give personalized opinions on what plans will work best for you based on budget and medical needs. Enrolling in a health insurance plan with the help of an agent comes at no extra cost to you.
AS SEEN ON