Speak with a licensed insurance advisor for carrier and policy terms and conditions.
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YOU HAVE NEEDS, WE HAVE SOLUTIONS
Buying health insurance doesn’t have to be complicated.
Private Health Insurance
Get coverage for you or your family outside of the High-Deductible ACA Market.
Group Health Insurance
Get health coverage for your employees via SHOP or outside of the ACA.
Short-Term Health Insurance
If you just need temporary health insurance during your new job’s probationary period or while you wait for Medicare to kick in, short-term can help get you by.
Supplemental Health Insurance
Dental, Vision, Critical Illness, Accident insurance, and other policies can help fill the gaps that your standard health insurance does not cover.
Frequently asked questions
None. One dedicated insurance advisor will respond to your request and communicate with you via SMS or Email
If you don’t have major medical conditions, your policy may be approved in as little as 7 days. Your dedicated advisor will be proactive in responding to requests from the underwriter and communicating with you every step of the way in order to ensure there is no delay in getting a final decision on your application.
We take absolute care to ensure your personal information is protected at all times.
Most carriers require a medical exam for consideration. However, if you qualify, we can submit your application to a carrier that does not require medical exams. Speak with a licensed insurance advisor for more details that pertain to your specific circumstances.
Who Needs Health Insurance and Why?
Health insurance is beneficial for a wide range of individuals and groups. While specific needs may vary, the following are some common groups of people who often require health insurance:
Individuals and Families: Health insurance provides financial protection against the high costs of medical care. It is essential for individuals and families to have coverage to safeguard their health and well-being.
Employees: Many employers offer health insurance benefits as part of their compensation packages. Having health insurance through an employer ensures that employees have access to medical services and can address health concerns promptly.
Self-Employed Individuals: People who are self-employed or work as freelancers typically need to obtain their health insurance. It ensures they have coverage for medical expenses and safeguards their financial stability in case of unexpected health issues.
Students: Health insurance is crucial for students, whether they are enrolled in high school, college, or graduate school. It provides access to necessary medical services and protects against unforeseen health emergencies.
Seniors: Older adults often have unique healthcare needs, making health insurance vital for senior citizens. Medicare is a government health insurance program specifically designed for individuals aged 65 and older.
Low-Income Individuals: Health insurance is particularly important for individuals with limited financial resources. Government programs like Medicaid provide coverage for low-income individuals and families, ensuring they have access to necessary healthcare services.
Individuals with Pre-existing Conditions: People with pre-existing medical conditions require health insurance to cover ongoing treatments, medications, and preventive care. The Affordable Care Act (ACA) in the United States prohibits insurers from denying coverage based on pre-existing conditions.
Individuals Planning a Family: Health insurance that includes maternity coverage is essential for individuals or couples planning to start a family. It helps cover prenatal care, childbirth, and postnatal services.
Individuals with Chronic Illnesses: People with chronic illnesses or long-term medical conditions often require ongoing medical care and access to medications. Health insurance enables them to manage their conditions effectively without incurring significant financial burdens.
Everyone: In general, health insurance is crucial for everyone, regardless of their age or health status. Accidents and unforeseen illnesses can happen to anyone at any time, and having insurance provides financial protection and access to necessary healthcare services.
It’s important to note that the specific healthcare systems and insurance options vary from country to country. The above points are applicable in the context of countries where health insurance plays a significant role in healthcare access and financing, such as the United States.