Get Affordable Health Insurance Quotes

Compare reliable health insurance plans from top marketplace providers and find cheap, quality medical insurance that fits your needs and budget.

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Discover quotes from over 40 providers, including:

Moina Logo Cigna Logo Kaiser Permanente Logo
*These are insurance companies that may issue quotes to our users. Results may vary and are not guaranteed.

To shop over the phone call 1-855-601-2628

Get your free assessment from a licensed agent.

How to Get Health Insurance Quotes

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Step 1

Answer Simple Questions

Tell us about your health needs, budget, and coverage preferences in just a few minutes

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Step 2

Receive Multiple Health Insurance Quotes

Our system compares affordable health insurance quotes from 40+ top-rated marketplace providers to match you with reliable plans that meet your needs

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Step 3

Compare & Save on Medical Insurance

Review personalized health insurance plans with satisfaction ratings side-by-side and choose the cheap, reliable coverage that offers the best value

Compare Health Insurance Plans from Top Providers

Get affordable medical insurance quotes from America's most trusted and reliable marketplace health insurance companies

Based on 2024-2025 customer satisfaction ratings from J.D. Power, NCQA, and Insure.com

⭐ 4.2/5 NCQA Rating
Ranked #1 in 9 of 22 regions (J.D. Power 2024)

Industry-Leading Integrated Care

  • More 5-star and 4.5-star NCQA-rated plans than any other insurer
  • Coordinated care with in-house doctors and hospitals
  • 18 consecutive years as California's #1 health plan
  • All-in-one health system for seamless care
  • Electronic health records accessible 24/7
⭐ 4.17/5 Overall Rating
0.24 Complaint Index - Well Below Industry Average

Largest Provider Network

  • Tied for #1 best health insurer in 2025 (Insure.com)
  • Access to 1.3+ million physicians nationwide
  • Rated most trustworthy insurer by customers
  • 3.42/5 NCQA quality rating
  • Advanced mobile app and wellness programs
Top 10 Nationally Ranked
12% Market Share - 2nd Largest Insurer

Trusted National Network

  • Available in all 50 states
  • Locally operated, nationally connected
  • Won J.D. Power top rankings in multiple regions
  • Strong reputation and customer trust
  • Flexible PPO and HMO options
⭐ 3.84/5 Overall Rating
11% Market Share - 83% Would Recommend

Global Health Services

  • Extensive nationwide provider network
  • International coverage for travelers
  • Mental health and wellness programs
  • Telehealth services included
  • Ranked 8th nationally in 2025 customer satisfaction
Highest Customer Satisfaction Score
Ranked Best for Affordability

Affordable Medicaid & ACA Plans

  • Specializes in Medicaid and low-income coverage
  • Most affordable options for qualifying families
  • Top-rated customer satisfaction in its category
  • Multilingual customer support
  • Community-focused health programs
⭐ 4.14/5 Overall Rating
Ranked #3 Nationally - 12% Market Share

Comprehensive Health Coverage

  • Part of CVS Health for integrated pharmacy benefits
  • Top-ranked in East South Central region (J.D. Power)
  • Extensive network with 1+ million providers
  • Strong preventive care and wellness programs
  • Easy access to CVS MinuteClinic locations
⭐ 5/5 Member Experience (HealthCare.gov)
Best for Tech-Savvy Consumers

Virtual-First Care Model

  • Excellent digital platform and mobile app
  • Free virtual primary care included
  • Cheaper than average in most states
  • Chronic condition support programs
  • Ideal for affordable marketplace plans
Best ACA Marketplace Value
Available in 29 States

Affordable ACA Plans

  • Competitive pricing for budget-conscious families
  • Wellness reward programs included
  • Low out-of-pocket costs
  • Best for marketplace health insurance seekers
  • Chronic care benefits included
Industry-Leading 7.7% Denial Rate
Best for Seniors Under 65

Regional BCBS Excellence

  • Strong Quality Rating System scores (83.3)
  • HMO plans 16-26% below national average
  • Excellent customer service reputation
  • Part of Elevance Health network
  • Customizable Medicare Advantage plans
Ranked #2 in Forrester CX Index 2024
3.5 Million Mid-Atlantic Members

Mid-Atlantic Leader

  • Only US insurer to increase CX score in 2024
  • Serves Maryland, DC, and Northern Virginia
  • Not-for-profit healthcare organization
  • Comprehensive ACA and Medicare options
  • Strong community health focus
Top Rated in Florida
Coverage in All 67 Florida Counties

Florida's Health Insurer

  • Local BCBS licensee since 1940
  • Strong financial stability (AM Best "A")
  • Comprehensive ACA and Medicare plans
  • Broad provider access statewide
  • Ranked #4 in Florida for Medicare (J.D. Power)
Continuation Coverage Option
Federal Law - Not an Insurance Company

Our Agents Can Help You Keep Your Employer Plan Temporarily

  • Fill out the quote form to continue coverage or explore other options
  • Continue same coverage for 18-36 months after job loss
  • Average cost: $584/month individual, up to $2,000 family
  • 60 days to elect after receiving notice

Important: COBRA often costs more than marketplace plans. Compare your options - you may qualify for subsidies that make marketplace coverage cheaper.

Why Trust Our Health Insurance Quotes?

Our affordable medical insurance recommendations are based on comprehensive analysis from the nation's leading independent rating organizations

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J.D. Power Study

Based on 39,797+ customer responses evaluating health plans across 22 regions on satisfaction, access to care, and trust

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NCQA Ratings

The National Committee for Quality Assurance rates plans on 50+ clinical quality measures, patient experience, and outcomes

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Independent Surveys

Rankings from Insure.com, ValuePenguin, and other consumer advocacy sites surveying 1,500+ actual policyholders

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Complaint Index Data

NAIC complaint data shows which insurers receive fewer complaints relative to their market share - a key trust indicator

227M+
People Covered by NCQA-Rated Plans
1,000+
Health Plans Independently Rated in 2024-2025
40+
Insurance Providers in Our Comparison Network

Ways to Get Cheap Health Insurance & Save Money

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Consider a High-Deductible Plan

If you're generally healthy, a high-deductible health plan (HDHP) can significantly lower your monthly premiums. Pair it with a Health Savings Account (HSA) to save tax-free for medical expenses.

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Check for Marketplace Subsidies

You may qualify for government subsidies through the health insurance marketplace based on your income. These premium tax credits can dramatically reduce your monthly costs and help you afford better coverage.

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Shop During Open Enrollment

Compare health insurance plans every year during open enrollment. Insurers change their offerings and prices annually, and you may find better deals or more reliable coverage options.

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Use Preventive Care Services

Take advantage of free preventive care like annual checkups, screenings, and vaccines. Catching health issues early can save thousands in treatment costs.

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Explore Employer Options

Employer-sponsored health insurance is often cheaper than individual marketplace health insurance plans due to group rates. Check if your employer offers health benefits before shopping elsewhere.

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Compare Multiple Health Insurance Quotes

Choose a plan from a reliable insurer with a network that includes your preferred doctors and hospitals. Get quotes from multiple providers to find the best combination of price and coverage. Staying in-network can save you 50% or more on medical costs.

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Review Prescription Coverage

If you take regular medications, compare each medical insurance plan's prescription drug coverage. Switching to generic drugs can also save you hundreds annually.

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Bundle Family Coverage

Family health insurance plans are usually more cost-effective than individual policies for each family member. Look for affordable health insurance plans that offer the best family deductible and out-of-pocket maximum.

What Our Customers Say

★★★★★

"I was comparing Kaiser and UnitedHealthcare after seeing their 4+ star ratings. Health Market Advisor made it so easy - I got personalized quotes from both plus 3 other providers in under 10 minutes. Ended up saving $200 per month!"

Sarah Martinez

Phoenix, AZ

★★★★★

"As a self-employed freelancer, I needed affordable insurance. The advisor explained how Molina's plans are perfect for my situation and showed me the customer satisfaction ratings. Found a plan that actually fits my budget!"

James Thompson

Austin, TX

★★★★★

"I researched the J.D. Power rankings and wanted a top-rated plan. The comparison tool showed me Kaiser's 18-year streak as #1 in California alongside other options. Got better coverage for my family at a lower price."

Linda Peterson

Denver, CO

★★★★★

"I appreciated seeing the NCQA quality ratings right in the comparison. UnitedHealthcare's low complaint index gave me confidence. The representative explained everything clearly with no pressure."

Michael Chen

Seattle, WA

★★★★★

"After losing my job, I needed insurance fast but wanted a quality plan. They showed me Blue Cross Blue Shield's ratings and helped me find an affordable plan with a provider I could trust within one day."

Robert Johnson

Miami, FL

★★★★★

"I compared the actual satisfaction scores from multiple rating agencies before choosing. Switching during open enrollment was painless and I got better coverage while reducing my premium by $150!"

Emily Wilson

Boston, MA

Frequently Asked Questions

How do I find reliable health insurance?
Finding reliable health insurance means looking beyond just price to evaluate an insurer's track record. Check independent ratings from J.D. Power (customer satisfaction), NCQA (clinical quality), and NAIC complaint data. Look for insurers with 4+ star ratings, low complaint indexes, and strong financial stability ratings from AM Best. The most reliable insurers consistently deliver on claims, maintain accessible provider networks, and score high in customer trust surveys. Consider companies like Kaiser Permanente, UnitedHealthcare, and Blue Cross Blue Shield that have demonstrated reliability through years of high ratings and low complaint rates. You can compare affordable health insurance quotes from multiple reliable providers through the health insurance marketplace to find the best coverage for your needs.
What is the health insurance marketplace?
The health insurance marketplace (also called the Health Insurance Exchange) is a service where individuals, families, and small businesses can shop for and purchase affordable health insurance plans. Created by the Affordable Care Act, the marketplace allows you to compare health insurance plans side-by-side, check if you qualify for premium subsidies based on your income, and enroll in coverage that meets your needs. You can access the federal marketplace at HealthCare.gov or through your state's marketplace. When you shop through the marketplace, all plans must cover 10 essential health benefits and cannot deny you coverage due to pre-existing conditions. Many people find they qualify for financial assistance that makes marketplace health insurance more affordable than expected.
What is health insurance?
Health insurance (also called medical insurance) is a contract between you and an insurance company where you pay monthly premiums in exchange for coverage of medical expenses. When you need healthcare services, your insurance helps pay for costs like doctor visits, hospital stays, prescription medications, preventive care, and emergency services. Having reliable health insurance protects you from high medical bills and ensures access to quality healthcare when you need it most. You can find affordable health insurance plans through the health insurance marketplace, your employer, or directly from insurance companies.
How can I get cheap health insurance?
Getting cheap health insurance starts with shopping the health insurance marketplace during open enrollment, where you can compare health insurance quotes from multiple providers. Check if you qualify for premium tax credits or subsidies based on your income - many people earning up to $60,000 (individuals) or $124,000 (families of four) qualify for financial help that significantly reduces costs. Consider high-deductible health plans paired with Health Savings Accounts if you're generally healthy. Look at providers known for affordable rates like Ambetter, Oscar, or Molina. Compare marketplace health insurance plans carefully, as the cheapest monthly premium isn't always the best value when you factor in deductibles and out-of-pocket costs. Some states also have expanded Medicaid programs that provide free or very low-cost coverage if you qualify.
How much does health insurance cost?
The cost of health insurance varies widely based on factors like your age, location, plan type, coverage level, and whether you receive subsidies. On average, individual plans range from $200 to $600 per month, while family plans can cost $500 to $1,500 monthly. However, many people qualify for government subsidies that can significantly reduce these costs. The best way to know your exact cost is to get personalized health insurance quotes based on your specific situation. When comparing affordable health insurance options, remember to look at both the monthly premium and the total out-of-pocket costs including deductibles and copays.
What's the difference between HMO and PPO plans?
HMO (Health Maintenance Organization) plans typically have lower premiums but require you to choose a primary care physician and get referrals to see specialists. You must use doctors within the HMO network. PPO (Preferred Provider Organization) plans offer more flexibility - you can see any doctor without referrals and have out-of-network coverage, but they usually have higher premiums and deductibles. Choose an HMO if you want lower costs and don't mind the restrictions, or a PPO if you value flexibility and choice.
What is COBRA and should I use it?
COBRA (Consolidated Omnibus Budget Reconciliation Act) is a federal law that allows you to continue your employer-sponsored health insurance for 18-36 months after leaving your job. While COBRA lets you keep the same doctors and coverage with no waiting periods, it's often expensive - you pay the full premium (your portion plus what your employer was paying) plus a 2% administrative fee. The average COBRA cost is $584/month for individuals and can exceed $2,000/month for families. Before choosing COBRA, compare it with marketplace health insurance plans where you may qualify for subsidies that significantly reduce costs. COBRA makes sense if you have ongoing treatment with specific doctors, high medical needs where you've already met your deductible, or need short-term coverage (1-3 months) until other insurance starts. For most people leaving a job, marketplace plans offer more affordable health insurance options with similar quality coverage.
What is a deductible?
A deductible is the amount you must pay out-of-pocket for healthcare services before your insurance begins to pay. For example, if you have a $2,000 deductible, you'll pay the full cost of medical services until you've spent $2,000, then your insurance starts covering costs according to your plan's benefits. Plans with higher deductibles usually have lower monthly premiums, and vice versa. Preventive care services are typically covered before you meet your deductible.
When can I buy health insurance?
You can buy health insurance during the annual Open Enrollment Period (typically November 1 - January 15) or during a Special Enrollment Period if you experience qualifying life events like losing job-based coverage, getting married, having a baby, or moving to a new state. Some plans like short-term health insurance or Medicaid may be available year-round depending on your circumstances.
Do I qualify for financial help with insurance costs?
You may qualify for premium tax credits (subsidies) if your household income is between 100% and 400% of the federal poverty level. For 2024, this means individuals earning up to about $60,240 or families of four earning up to about $124,800 may qualify. These subsidies can dramatically lower your monthly premium. You may also qualify for cost-sharing reductions that lower your deductibles and copays. Use the Health Insurance Marketplace to check your eligibility.
What does health insurance typically cover?
All marketplace health plans cover 10 essential health benefits: ambulatory services, emergency services, hospitalization, maternity and newborn care, mental health and substance abuse treatment, prescription drugs, rehabilitative services, laboratory services, preventive care and wellness, and pediatric services including dental and vision for children. Preventive care like annual checkups, screenings, and vaccines are covered at 100% with no cost to you.
Can I keep my current doctor?
Whether you can keep your current doctor depends on the insurance plan's provider network. Before choosing a plan, check if your preferred doctors, hospitals, and specialists are in-network. You can usually find this information on the insurer's website or by calling them directly. If your doctor isn't in-network, you may face higher costs or need to choose a new provider. PPO plans typically offer more flexibility in choosing providers than HMO plans.
What happens if I don't have health insurance?
While there's no longer a federal penalty for not having health insurance, some states (like California, Massachusetts, and New Jersey) do impose penalties. More importantly, going without insurance means you're responsible for 100% of your medical costs, which can be financially devastating - even a simple emergency room visit can cost thousands of dollars. You'll also miss out on preventive care and may delay necessary treatment, potentially worsening health conditions.
How do I choose the right health insurance plan?
Start by finding a reliable health insurance company with strong ratings and low complaint scores. Then consider these factors: your budget (monthly premium vs. potential out-of-pocket costs), your health needs (chronic conditions, regular medications, expected medical use), your preferred doctors and hospitals, prescription drug coverage, and plan type (HMO, PPO, EPO, POS). If you're generally healthy, a high-deductible plan with an HSA might save money. If you have ongoing medical needs, a plan with higher premiums but lower deductibles and copays might be better. Compare multiple quotes from reliable insurers to find the best balance of cost, coverage, and trust for your situation.

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