Compare health insurance quotes

Find a plan that fits your family and your budget. Open enrollment for 2017 Affordable Care Act plans is closed, but you can buy a plan any time of year if you have a qualifying life event, such as getting married or having a baby. Open enrollment for 2018 health insurance marketplace plans is Nov. 1 to Dec. 15, 2017.

Partnered with HealthSherpa

About this tool

This tool provides an easy way to compare health insurance quotes for individual health plans. Individual health insurance plans are policies you buy on your own, rather than through work. This tool shows plans that are offered through state and federal health insurance marketplaces. If you qualify for tax subsidies to lower your monthly payments, you must buy one of these plans to receive a subsidy.

When to buy health insurance

You can only sign up for health insurance during open enrollment. Open enrollment for 2018 health insurance marketplace plans is Nov. 1 to Dec. 15, 2017. Outside of that time window, the only way to buy individual health insurance is to qualify for a special enrollment period.

Why buy health insurance

The federal Affordable Care Act requires that all Americans (with few exceptions) buy health insurance, or be subject to a tax penalty. For 2018, that penalty could be 2.5% of your household income or more. If Congress changes or repeals the law, that could all change, but for now the ACA is in effect.

But also, having health insurance is the best way to protect your family from high medical bills. If someone in your family gets sick or is injured, hospital costs could quickly reach thousands — or hundreds of thousands — of dollars. 

How to compare plans

Finding the right plan for you and your family is just as important as getting covered in the first place. You may have several plans to choose from, depending on where you live. To make comparing medical insurance plans easier, policies are grouped into metal tiers: bronze, silver, gold or platinum.

You can think of the metal tiers similarly to how you think of the actual metals. The tiers relate to value, so the more valuable the metal, the more richly it reimburses your medical expenses.  Metal tiers are based on average medical expenses for a population, so your actual portion of costs may be different than the percentages below.

Health insurance plan cost breakdown by tier

Metal tier Portion you pay out of pocket Portion of bills your plan pays
Bronze 40% 60%
Silver 30% 70%
Gold 20% 80%
Platinum 10% 90%

Within those tiers, the monthly premiums — how much you pay to have health insurance — should be relatively similar. The most popular health insurance marketplace plans are silver plans, with 71% of consumers choosing a silver plan.

What to look for in a health insurance plan

There’s more to comparing health insurance quotes than looking at premiums. Deductibles, copays and coinsurance might all be different, so you’ll want to take a close look at those out-of-pocket costs while you compare. 

Look at the plan’s deductible — how much you must pay out of pocket before the plan starts to pay a portion of the costs. This will appear next to the premium of any plan you look at. If someone on the plan goes to the emergency room or needs a lot of health care services, you’ll likely have to pay that amount toward care in 2018. For an emergency room visit or expensive treatment, you could be charged the deductible all at once, so there is a risk if you choose a plan with a high deductible.

Pay special attention to prescription coverage if someone in your family relies on a prescription medication. If that drug is an expensive one, you may have to pay full cost for it until the deductible is met, and a coinsurance percentage after that. Ask yourself: Would it be a better deal to pay a higher monthly premium in exchange for a flat copay each time you need to refill at the pharmacy? 

Check the plan’s provider network to make sure there are doctors and hospitals near you who take that plan. If you go out of the network to receive care, you might have to pay full price, whether you knew you went to a non-network provider or not. If you have a doctor you like, also make sure he or she accepts your medical insurance plan.

How much you pay when you go out of network and how many doctors are in your network will depend on which type of plan you get. Your plan type will also determine whether you need a referral from your primary doctor before you see a specialist. Here’s more about how to choose among HMO, PPO, POS or EPO health plans