Affordable Health Insurance | Free Health Insurance Quote

eHealthInsurance is the #1 source for Individual and Family health insurance plans nationwide, online or offline. Unless you get your health insurance through an employer, an Individual and Family health insurance plan is your standard private market option. If you need to purchase individual health insurance, it can be expensive. Unlike group plans, in which the costs and risks associated with health care are spread among many people; individual health policies are "medically underwritten" to take into account your personal health history. Any "pre-existing" condition such as heart disease, diabetes, and even pregnancy, can nix your chances of acceptance or boost your premiums.Though your choice of plans will differ from state to state, there’s a great deal of variety in the Individual and Family market and you may be surprised by the affordable options available. These plans typically provide both preventive and emergency care coverage for families and individuals and generally fall into two main categories: indemnity plans, or managed-care plans.

In many states, Individual and Family health insurance plans are underwritten by the insurance company and you may be denied coverage -or your coverage may be limited- due to your medical history or conditions.

Individual and family health insurance plans are usually described as either "indemnity" or "managed-care" plans. Put broadly, the major differences concern choice of healthcare providers, out-of-pocket costs and how bills are paid. Typically, indemnity plans offer a broader selection of healthcare providers than managed care plans. Indemnity plans pay their share of the costs for covered services only after they receive a bill (which means that you may have to pay up front and then obtain reimbursement from your health insurance company).

There are several different types of managed-care health insurance plans. These include HMO, PPO, and POS plans. Managed-care plans typically make use of healthcare provider networks. Healthcare providers within a network agree to perform services for managed-care plan patients at pre-negotiated rates and will usually submit the claim to the insurance company for you. In general, you'll have less paperwork and lower out-of-pocket costs with a managed care health insurance plan and a broader choice of healthcare providers with an indemnity plan.

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