Compare Individual Health Insurance Policies

From a single application, ComparePolicies.com prepares multiple quotes for affordable individual health insurance plans, family health insurance plans, and self employed health insurance plans. We understand how important it is to choose the right health insurance plan, and work with you one on one to make sure you receive and understand the pros and cons of each available option.

Health insurance provides protection against potentially large financial expenses, and helps cover services, prescriptions, and other benefits that keep you and your family healthy. Most Americans obtain their health insurance through an employer or government program, but five percent of the population purchases private health insurance on an individual basis. If you fall into this category, ComparePolicies.com can help you choose the best individual health insurance plan for yourself and your family. We work with numerous carriers to provide a variety of plan options at an affordable price. Our partners include:

• Aetna
• Assurant
• Blue Cross Blue Shield
• Humana
• John Alden
• Unicare
• United Healthcare

A certified health insurance agent will help you compare all individual health insurance options to make sure you get the right coverage at the lowest cost. After you choose a plan, your dedicated agent will walk you through the application and enrollment process, and help you manage claims and policy changes on an ongoing basis.

Understanding Individual Health Insurance

Individual health insurance is very different than group health insurance, which is the type of insurance that is offered through an employer. Benefits are generally less extensive on an individual policy compared to a group policy. Some benefits that may be considered "standard" in a group policy, such as maternity coverage or substance-abuse treatment, may not be included in an individual plan. However, excluded coverages are sometimes available for purchase on an individual policy, which is referred to as an optional rider.

The laws governing individual health insurance differ from state to state, since individual health insurance companies are much more limited than group insurance companies in their ability to spread risk. Applicants for individual insurance therefore must complete a brief medical questionnaire, and unlike a group policy, an insurance company can decline to cover individuals with significant medical conditions.

Although each state has its own regulations on how individual policies may be marketed and sold, all individual health insurance applications contain questions about the medical history of you and any family members to be covered. Sometimes insurance companies will request additional medical information from the applicant’s physician, or ask applicants themselves for clarification. Insurance companies use the medical information on these applications to determine premium rates.

After the medical review, applicants are assigned a rate class, and put into a pool of other insured individuals with similar health status. All customers in a given "pool" are charged the same premium rate. Subsequent annual renewal premium rates are determined not by your individual claims, but by the claims experience of the entire rating class pool.

Get Individual Health Insurance Quotes

ComparePolicies.com is committed to helping individuals, families, and the self employed get the right individual health insurance coverage at the most affordable price. To receive multiple customized quotes on individual health insurance, family health insurance, or self employed health insurance, call 1-877-720-9595 or submit an online individual health insurance quote request below. A certified health individual health insurance specialist will be in touch with you soon to help you choose and manage the best individual health insurance plan for yourself and your family.

Request Individual Health Insurance Quotes