Health Insurance Quotes
As a self-employed person, finding an affordable individual or small business health insurance plan can be a challenge. However, I'm completely prepared to purchase insurance as I've done some diligent research and amassed a large number of saved insurance quotes-- the key to finding an insurance plan for any budget
An insurance quote, whether for individual, group, family or business coverage begins with a short application/questionnaire about you-- your job, your lifestyle, your health and your familial/domestic living situation, giving the insurance company a snapshot of who you are so they can create an array of insurance plans for you to choose from.
Unless you're a large business with many employees and locations all over the world, chances are your instant quotes will be free, letting you build a folder of quotes from various companies both on line an via telephone-- making you prepared for an informed decision when the time comes.
Below we've listed the three best places to find instant, free online quotes for almost any type of insurance you might need. Just remember to keep accurate records off all research-- we suggest having a folder in your computer for each, organized by company, kind of insurance or method of finding the quote. You can also bookmark web pages you've gotten quotes through and access your insurance quotes that way. If you're old school, a records notebook works well too-- and having a hard copy doesn't hurt either.
- Start with the the Health Insurance Resource Center, an online compendium of all things health insurance oriented. The center has been providing understanding of the insurance world for consumers since 1994. From available articles, blogs, FAQ's and chats to offering free instant online quotes that are tailored for the state you live in, whether its California or Maine, HIRS is the best place to start.
- If you want to cross-check quotes from HIRS or are simply trying to find some cheap or low cost health insurance, be sure to go right to the internet ND examine one of the big insurance roundup companies (like eHealthInsurance.org or QuickQuote.com) who gather information from many companies and many people and distill them into one easy to use search engine. Here you can play with things like how much you'd like your premium or your deductible to be and produce a slightly different instant online quote for comparison's sake. It's here that you can "try on" a few different specific companies and see which one fits you the best, which brings us to number three.
- If you're a research monkey like myself or just extra thorough, you may want to consider simply looking at what each health insurance quote looks like when seen directly through the specific companies eyes. Some companies, like Blue Cross and Blue Shield, or Aetna, offer special opportunities depending on the state you live in. And remember, you can always call each company directly and speak to a representative if you have special requirements or questions.