Einsurance Health Insurance Rates Online – Free Instant Quotes

Einsurance health insurance is affordable medical coverage that is offered online to consumers. By purchasing individual or family plans over the internet, company expenses are lower, which often translates to lower prices and improved customer service. You can easily enroll for a Marketplace plan in minutes, and have your federal subsidy applied directly to help pay your premium.

Recently, small business owners, along with many individuals and families, have discovered that all of the biggest health insurance companies (Blue Cross, Aetna, Cigna, UnitedHealthcare and Humana) conduct a large volume of their business in the Einsurance manner. Quality  increases and buyers often pay less. At your fingertips is the latest information regarding which doctors and hospitals are in your network, projected rate increases or decreases, and formulary drug lists for each carrier.

State and federal Marketplaces offer budget-friendly plans, especially if you qualify for a large federal subsidy. Although it’s possible to review options over the phone, and in some areas, in person, viewing, comparing and enrolling online is much quicker and simpler. Of course, we provide all of the specific plan details (deductibles, copays, out-of-pocket expense maximums etc…) along with a quick 10-minute online enrollment link.

Instantly Compare Multiple Companies

The comparison process is much easier than before the Affordable Care Act legislation was passed. Typically, you are asked to provide only your zip code along with some other non-personal questions, and you can find the cheapest rates in the area where you live. Since there can be large fluctuations in prices in the same state, it makes it more important to properly “shop” so you are considering all of the best carriers. It’s also important to review options each year since a new Open Enrollment period may include new carriers along with the departure of other companies.

Within a short period of time, you can view hundreds of different plan options for both temporary and long-term plans. If there are existing pre-existing conditions, an Exchange or guarantee-approval option can be used. You can also request different riders to be added, including dental, vision, enhanced accidental injury, and additional office visit coverage on short-term contracts. Just as importantly, you’ll be able to understand your plan, benefits and possible out-of-pocket costs.

Cheap maternity health insurance no longer has to be added as a rider to any qualified Exchange or Off-Exchange policy. Since it is considered one of the 10 required “essential health benefits,”  new plans purchased through Open Enrollment must contain maternity and prenatal benefits. However, if you have an existing grandfathered policy (generally issued before April 2010),  maternity was not required and often is excluded.

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We realize that there are very few consumers that will be thrilled about viewing, and ultimately choosing their medical coverage from hundreds of options. If you prefer to do all of the research and investigating yourself, you will have plenty of unbiased resources to use on our website. You can also apply directly to the insurer and still receive the lowest pricing. If you are eligible for government financial aid, we will help you maximize the amount you are entitled to receive.

But you can also receive the lowest rates with the help of our experienced staff. The assistance is free but you may easily save hours of your time. We can quickly find the most suitable policies and greatly simplify the application process. Our unique marketplace allows you to find the best offer in minutes and apply directly to the carrier.

It’s old news now, but the  Department of Health and Human Services has implemented the Affordable Care Act (Obamacare) and you now apply for coverage differently than prior to 2014. The process is much easier, and if you have a chronic condition, or have been denied coverage in the past, you will be helped instead of declined. Waiting periods, surcharges and pre-existing condition exclusions are no longer applied to Marketplace plans during Open Enrollment. Outside of the Open Enrollment period, affordable options are still available.

Applying (Enrolling) For A Policy

Most applications will be submitted online although hard-copy applications will probably be offered to persons that do not have a computer, do not have access to the internet or are uncomfortable with handling financial transactions online. Special “navigators” or community outreach programs may be able to assist consumers that fall into that category.  This may be especially helpful to persons that don’t own a computer or are not comfortable using one.

Persons without convenient modes of transportation, or chronic health conditions that lead to lack of immobility, are good candidates for navigator assistance. Otherwise, our website, with more than three decades of experience, is one of the best resources to use for comparing plans and easily enrolling.

Don’t Forget About Your Free Subsidy

One of the biggest often-forgotten components in buying Einsurance medical benefits is the application of instant tax credits  (your federal subsidy) at the time of purchase. For example, these “subsidies,” are based upon income, and naturally, the less money you earn, the larger your subsidy will be. Larger families are eligible for increased financial assistance. Shown below are several  general examples of annualized subsidy eligibility amounts. NOTE: Exact figures will slightly vary, depending on your zip code.

Age 25 And Household Income Of $20,000 – $1,188

Age 35 And Household Income Of $25,000 – $972

Age 45 And Household Income Of $35,000 – $0

Age 55 And Household Income Of $35,000 – $1,536

 

Ages 25 Couple And Household Income Of $30,000 -$2,616

Ages 40 Couple And Household Income Of $40,000 -$2,304

Ages 50 Couple And Household Income Of $40,000 -$4,524

 

Ages 35 Couple With One Child And Household Income Of $45,000 -$4,668

Ages 45 Couple With One Child And Household Income Of $55,000 -$3,984

Ages 50 Couple With Two Children And Household Income Of $55,000 -$8,112

 

The initial Open Enrollment for 2016 Exchanges begins on November 1st, although you can apply for short-term or qualified SEP coverage at any time between now and that time through our website. Einsurance is the easiest way to purchase health insurance online in minutes. We simplify the comparison and enrollment process, so you can customize your benefits to match the cost you can afford.