Review – Get Affordable Heath Insurance Quotes, All in One Place

Joy Wallet is advertiser-supported: we may earn compensation from the products and offers mentioned in this article. However, any expressed opinions are our own and aren't influenced by compensation. To read our full disclosure, click here.
Need to find new health insurance? was built help you with that.
The online service is built on offering instant, free quotes from many of the nation’s leading health care insurers. But how can you be sure that is worth your time and not setting you up to get scammed?
Below, I’ll walk you through everything you need to know about using to find the right health insurance plans.

What is

What originally started as a solution to help compare life insurance policies has grown into the insurance comparison heavyweight known as, whose mission is to use data science and personal metrics to improve insurance for everyone. is a health insurance aggregator that allows you to use their website to receive personalized health insurance recommendations from accredited insurance companies. You can also complete your application for individual health insurance online or over the phone.

How does work?

Not sure how to use to review insurance companies and get health coverage? Here’s how the process works. offers free quotes for a variety of insurance types like life insurance or home insurance.
Since you’re looking for health insurance quotes, you’ll want to first select health insurance from their home page. Then, you’ll have to choose between an “ACA Plan” or “Short-Term Options.”

Selecting an ACA Plan

An “ACA Plan” stands for the Affordable Care Act, also referred to as Obamacare. Select ACA Plan if this is what you’re looking for.
When you get redirected, select “See ACA Plans.”
You’ll then be redirected to a new page where you have to input your name, contact information and zip code to view plans and prices. Note that when you submit your information, you are consenting to be contacting by an agent about enrolling in a health insurance plan.

Selecting Short-Term Options

If you’re not looking to enroll in affordable care act plans but instead need short-term coverage, you'll want to follow these steps:
  1. You’ll want to select “Short-Term Options”
  2. Enter your zip code and select the countyou live in
  3. Once your location is verified, choose when you need to receive your insurance by
healthinsurance4 will then ask for your income, gender and date of birth and whether or not you’ve smoked tobacco products in the last 12 months.
After that, you’ll select whether or not you want to include a spouse or children on your health insurance plan. With each person you added to your plan, you'll have to answer similar questions on gender and age.
You will then have to indicate whether you weigh over 275 pounds, if you have any pre-existing conditions, or have been treated for a major medical condition in the last five years.
Here are some examples of pre-existing conditions, although this is not an exhaustive list:
Selectable Conditions
Insulin-dependent diabetes
Cancer or tumor, except basal-cell skin cancer
Crohn’s disease
Rheumatoid arthritis
Systemic lupus
Hepatitis C
Multiple sclerosis
Bipolar disorder or schizophrenia
Eating disorder
After indicating your pre-existing conditions, you’ll have to answer one more health question: are you pregnant? Following that, you’ll input your contact information to receive your health insurance quotes.

Understanding health insurance

There are four distinct health care plans offered by ACA, or
  • EPO Plans. Standing for Exclusive Provider Organization, this is a managed care plan that requires you use doctors and specialists in its network.
  • HMO Plans. Standing for Health Maintenance Organization, these plans limit coverage to the doctors and specialists in the HMO marketplace.
  • POS Plans. Standing for Point of Service, this is a plan that helps you pay less if you use providers in the network and will charge you more for out-of-network providers. You can only see those with a referral.
  • PPO Plans. Standing for Preferred Provider Organization, this is similar to a POS but you do not need a referral to see an out-of-network specialist.
All plans cover preventive wellness visits. also provides a Health Savings Account (HSA) that saves untaxed dollars for medical expenses, thereby giving you tax-free coverage for co-pays, prescription drugs, and other medical out-of-pocket medical expenses. They also provide reimbursement from the account if you pay for something with your own credit card.
These have an open enrollment period and you have to determine how much you think you will spend in a calendar year. Go over and you just have to pay for things with tax. Go under and you could lose your funds.

How much does cost? is a completely free service to help you compare insurance quotes. There are no upfront costs to the service and they don’t ask for your billing information at any point in the purchase process. Once you submit your information, you’ll receive quotes from their insurance partners. After choosing a quote, you’ll then provide payment details to obtain your health insurance coverage. features

What’s so special about Here’s why consumers like to shop for health insurance using their platform.

Source many quotes at once

Using an insurance marketplace like can cut down on the confusion and the amount of time it takes to find a health insurance quote that fits your budget.

Browse online or call

If you’d prefer to talk to a person about your health insurance coverage options, you can opt to call instead at 844-334-1948 and a licensed agent will assist you in reviewing offers and making an application. It's nice they provide both a phone number to a real person and online options.

Who is best for?

Trying to decide if is best for you? Here are some scenarios in which people are likely to benefit from the service.

If you need multiple policies

Looking for more than just health insurance? Through you can review policies for multiple types of insurance such as pet insurance, auto insurance, life insurance and home insurance. Get all your insurance shopping done in the same place to save time and potentially get discounts on insurance by bundling policies with the same insurer.

If you want to buy online offers many insurance policies that are available for purchase online. Once you receive your quotes online you also have the option to apply digitally. If you prefer a streamlined approach, could be right for you.

If you’re in a hurry to get coverage

Not only can you source quotes and apply online, but works to get most customers covered within 24 hours. If you’re in a time crunch to obtain health insurance, this could be one of the most convenient ways to select your coverage.

Who shouldn’t use isn’t the right digital marketplace for everyone. Here are some circumstances that could turn people off.

If you want transparency on how your personal information will be used

Before receiving quotes with you’ll need to hand over your personal contact information and consent to being contacted through phone, SMS and email by and their numerous partners. isn’t clear about how to opt-out from receiving messages from their partners, which could present a problem, especially if you are careful with your data and personal information.

If you’re just looking for a list of insurers in your area

If you’d prefer to reach out to insurers directly for quotes, there are other websites you can use to obtain a list of insurers in your area. For example, will list all insurers in your zip code with point form information about each one. You can then decide which insurers to give your personal information to if you’d like to move forward with a quote.

Pros & cons

Want to compare the advantages and disadvantages of Read on below – here are the pros and cons summarized:
  • Compare rates in one place: Cut down your shopping time by comparing all your rates at once.
  • Apply and purchase online: If you like to do everything digitally, Assurance makes that easy.
  • Get coverage fast: tries to get you covered as soon as possible, in most cases they are able to help people obtain insurance coverage within 24 hours.
  • Unclear data policy: doesn’t say how often their many partners will contact you with offers, or how to opt-out. They require you to consent to contact from their partners before they will show you rates.
  • Many upfront questions: If you’re looking for short term coverage you’ll have to answer many personal questions about your health and income before seeing possible providers.


Got questions about health insurance coverage? Here are answers to the most common queries.
What are the two major types of health insurance?
In the United States you can get public health insurance, which is provided through the government if you qualify — think Medicare. Or, you can get private health insurance — which is provided through your employer or purchased individually via a marketplace.
How do I choose a health insurance plan?
To choose your health insurance, you’ll first need to understand when to enroll— and where. Then, review your options. Compare monthly premiums and added costs such as copays before dedication on a plan that matches your values and will help you best look after your individual health and financial needs.
How can I get low-cost health insurance?
To reduce your health insurance costs you can try reviewing your coverage— can you get away with less coverage or different coverage? Compare rates online, looking for discounts with health care companies. Also, ask about ways to receive additional discounts on your quoted rate such as by paying annually or signing up for automatic payments.

The bottom line

Comparing quotes online for health insurance coverage is a smart way to shop, especially if you want to get the best quote in a short amount of time. However, be smart about who you are giving your personal information to. Make sure the data policy of the website you are working with is in line with your values so you don’t have to deal with any unnecessary headaches — like spam calls — in the future.

Reclaim Up to $610/Year in Car Insurance

Here’s the thing: your current car insurance company is probably overcharging you. But, who has the time to look around for around a new company?

A website called makes it super easy to see if you’re getting the lowest price. All you have to do is enter your ZIP code and your age, and it’ll show you your options.

Using, people have saved up to $610 a year.

It takes just a few minutes to see how much could put back in your pocket. And the best part? Because we’re driving less, some insurers are slashing prices this month.

Share this article

Millennials: You really do need insurance. Here’s why.
July 19, 2021
Millennials: You really do need insurance. Here’s why.
Chubbs Life Insurance Review – Life Insurance (and Anything Else You Can Think Of)
June 29, 2021
Chubbs Life Insurance Review – Life Insurance (and Anything Else You Can Think Of)
Phoenix Life Review – Lesser Known for Insurance But Has History on Its Side
April 22, 2021
Phoenix Life Review – Lesser Known for Insurance But Has History on Its Side
How Much Life Insurance Do You Need? (And You Do Need It)
April 10, 2021
How Much Life Insurance Do You Need? (And You Do Need It)
Start Making Money Moves