Major Medical Health Insurance

Major Medical Health Insurance is the nation’s premier resource for affordable health insurance. Instantly, you can view, compare and apply for the best major medical health insurance plans at the guaranteed lowest allowable rate. Whether your need, is short-term or long-term, we’ll research all of the major health insurance companies to provide you with the coverage that meets your specific needs. And unlike many online websites, we will never share your information with any other person or company

When you buy health insurance, we simplify the process by making it easy to find the most affordable individual, family or self-employed policy in your area. Only the most reputable and highest-rated companies are considered to ensure you’re receiving top-quality coverage at the best available rate. With our state-of-the-art software combined with live personal support, the best major medical insurance is just moments away! When you click on the “Get Instant Quote” button at the top of the page, instantly, you’ll be able to view, compare or apply for the most affordable major medical health insurance plans in your state.

How To Use This Health Insurance Quote Website

As the premier resource for affordable major medical health insurance plans, our job is to provide the tools that allow you to easily choose the best plan for your specific needs. When you click on the “Get Instant Quote” button at the top of the page, the best plans from the major health insurers will be shown. You will be able to view plans side-by-side 24 hours per day, and pick the monthly premium that you want to pay. Of course, we’ll be available to help explain all of your options and guide you through the application process.

Since health insurance rates are fixed by law, we’re able to offer the guaranteed lowest allowable rates. But we believe it is equally important to make sure the company we recommend is offering quality coverage and benefits, that, if needed, you will be able to easily use. Please don’t hesitate to contact us if you have any questions regarding any plan you see.

Types of Health Insurance Coverage

Catastrophic major medical coverage is the least expensive form of coverage. Commonly known as “High Deductible Health Plans” (HDHPs), these types of policies were created to lower health insurance costs by offering a lower monthly premium in exchange for a higher annual deductible. Typically, catastrophic plans cover only major hospital and medical expenses after a specific deductible is met. Often, to keep the premium low, these deductibles are in the $2,500-$5,000 range. The most common buyers of catastrophic health plans are persons between the ages of 22-28 and 50-64.

Comprehensive major medical coverage is the most expensive form of coverage. In addition to the typical catastrophic benefits, additional coverage is often included, such as primary physician and specialist office visits, generic and non-generic prescriptions, preventive services and maternity. Physical therapy, skilled nursing and home health care are additional common benefits. However, comprehensive health care often costs twice or three times the premium of traditional catastrophic major medical coverage. Employer-provided major medical benefits are often comprehensive coverage, but premiums are often partially paid as part of a benefit package.

Health Savings Accounts (HSAs) are an affordable alternative to traditional major medical health insurance. It is a tax-favored medical savings account that offers a different way for consumers to pay for their health insurance. HSAs allow you to pay for current medical expenses and save for future qualified health expenses on a tax-free basis. To take advantage of an HSA, you must have a High Deductible Health Plan (HDHP). An HDHP is a catastrophic major medical health plan that costs much less than traditional health care. The money you save can be deposited into the HSA, and used for qualified expenses. You also completely control the money in your HSA and decide which type of investments to use.

Whether you choose a catastrophic, comprehensive or HSA plan, we’ll help you find the most affordable option at the guaranteed lowest allowable rate. We never charge any fees for our service and our always available to discuss the specific major medical health insurance plans that are most suitable for you.

Instantly View, Compare or Apply For The Most Affordable Health Insurance Plans

Our website uses state-of-the-art technology (and LIVE persons waiting to help you!)  that allows you to easily and instantly view different major medical health care plans from the top US health insurers. Your rate is guaranteed to be the lowest allowable in each state and only the top-rated companies are shown. We will never use “medical discount plans,” which often contain limited coverage with high enrollment fees.

You’ll find that most of the companies we recommend are the trusted names that you recognize, such as Blue Cross, Aetna, Humana and UnitedHealthOne (formerly UnitedHealthCare). We carefully review all of the major medical health insurance available plans from each company, and recommend the plan that fits your particular budget and needs. Unlike many websites that simply provide only quotes, we feel it is important to understand the exact type of coverage you need, so that we can present the most affordable policy options at the best available prices.

Individual, Family or Self-Employed Major Medical Health Insurance Coverage

Individual health insurance plans are designed to cover one person. Naturally, premiums can be very inexpensive, especially, if it is a “catastrophic” policy. Rates can greatly vary with different companies, so we will study all of the available options before recommending the plan that best meets your needs.

Family health insurance plans provide coverage for two or more persons. Usually, office visit, prescription and preventive benefits are included along with the catastrophic coverages. To keep out-of-pocket expenses down, office visit and prescription copays are often low and not subject to a deductible. Rates are higher than individual plans, but raising the major medical deductible will help keep the rate affordable.

Self-employed health insurance plans feature tax-saving benefits that allow you to pay for many qualified medical expenses on a tax-free basis (HSA). When preparing recommendations for the self-employed, we feel it is important to understand what coverages you have used the most in the past, and then tailoring a major medical health insurance plan that meets your specific needs. Often, the policy is a combination of catastrophic and comprehensive coverages.