Why Choose Private Health Insurance?

A generation ago, people expected their employer to provide them with health insurance. But times have changed.

These days, people are buying their own plans. And as more people enter the private health insurance market, plans get more and more affordable.

Get free quotes on affordable health plans…

* First Name: * Last Name: * Address: * City: * State: Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Dist. of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming * Zip: * Phone:      * Email:   Gender* Date of birth*   Height*  Weight* Smoker* Applicant M F / / Ft 0 1 2 3 4 5 6 7 In 0 1 2 3 4 5 6 7 8 9 10 11 Spouse -- M F / / Ft 4 5 6 7 In 0 1 2 3 4 5 6 7 8 9 10 11 Children 0 1 2 3 4 5 6 Children  -- M F / / Ft 0 1 2 3 4 5 6 7 In 0 1 2 3 4 5 6 7 8 9 10 11 Children  -- M F / / Ft 0 1 2 3 4 5 6 7 In 0 1 2 3 4 5 6 7 8 9 10 11 Children  -- M F / / Ft 0 1 2 3 4 5 6 7 In 0 1 2 3 4 5 6 7 8 9 10 11 Children  -- M F / / Ft 0 1 2 3 4 5 6 7 In 0 1 2 3 4 5 6 7 8 9 10 11 Children  -- M F / / Ft 0 1 2 3 4 5 6 7 In 0 1 2 3 4 5 6 7 8 9 10 11 Children  -- M F / / Ft 0 1 2 3 4 5 6 7 In 0 1 2 3 4 5 6 7 8 9 10 11 Currently Insured? Yes   No Have conditions? Yes   No HIV/AIDS Diabetes Cancer Heart attack High blood pressure Asthma Stroke Depression requiring medication Other major illness

Modern medicine has made some huge advances in the last 50 years. And those advances have come bigger and bigger price tags. Many employers just can't keep up with the increases. When a company needs to cut costs, one of the first places they look is their benefits program. That means more and more people are left with employer-sponsored benefits that don't fit their needs — or they don't have health coverage at all.

As people lose their employer-sponsored coverage, they turn to the private health insurance market. With more people buying their own coverage, insurance carriers keep introducing new affordable health plans.

What Are The Benefits of Private Health Insurance?

For years, most people assumed that private health insurance was only for self-employed people and small business owners. But private health insurance can be a good deal for many — if not most — people.

Here are some of the benefits of having your own plan:

Lower cost. Depending on where you live and your health status, a private plan could cost less than many of the plans employers are offering today. One of the most affordable options to explore is the combination of a high-deductible health plan and a Health Savings Account.

Custom benefits. With an employer-sponsored plan, the benefits have to meet the needs of all the employees. That means that everyone is paying extra for coverage that they'll never need. And many times, the kinds of care people do need aren't covered. With a private plan, you can choose the kind of coverage that makes the most sense for you.

Portable coverage. When you have your own plan, it follows you from job to job. As long as you continue to live in your plan's coverage area, your health will stay protected. This is a big advantage over waiting the 3 or more months most employer-sponsored plans make you wait when you change jobs.

Want to learn more? Use our free service.

Fill out our short form, and we'll match you with as many as 5 health insurance agents licensed in your state. You'll be contacted with free quotes — making it easy to see which plans have the best rates and benefits.