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Health Insurance Quotes

We are here to help you apply, select, and enroll in health insurance

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Health Insurance Quotes are Available Now

Due to the COVID-19 health emergency, you may qualify for a special enrollment period even after open enrollment has ended. Find out today if you meet the qualifications to get affordable individual or family health insurance plans.

Depending on your income level, you and your family may qualify for very low-cost, or even free, medical coverage through the plan’s subsidy assistance. Freeway Insurance licensed health agents can help you get free quotes for individual or family plans.

What is the Health Insurance Marketplace?

The Health Insurance Marketplace is an online center where people and families can find coverage. The Marketplace is a result of the Affordable Care Act (ACA), signed into law by President Obama in 2010. Some states have their own marketplace health insurance centers, while other states direct their residents to the federal government site, healthcare.gov.

Some people use the term “Obamacare” to describe the marketplace. The marketplace has Open Enrollment during specific times in a 12-month period, which is open to anyone who qualifies to apply for a health insurance plan through the ACA. During the rest of the year, people who meet a qualifying event may be able to enroll during Special Enrollment.

Happy doctor in her office with a laptop

The marketplace consists of plans from many different insurance companies and is divided into 4 tiers (Bronze, Silver, Gold and Platinum) based on cost and coverage. Additionally, insurers in the marketplace may not consider pre-existing conditions when issuing health coverage.

Freeway Insurance has bi-lingual agents who can walk you through the steps it takes to apply, pick a plan and enroll if you are a resident in California, Arizona, Washington, Florida, Idaho, Oregon or Texas.

Are There Different Types of Health Plans?

Yes. You can find different types of health insurance plans, including HMO, PPO, POS, Medicare and more. These plans are based on variables specific to different groups of people and offer different options to meet healthcare needs. If you need help deciding what type of health plan works best for you, ask your Freeway agent for recommendations.

Can I Find Affordable Health Coverage?

Most people can find health insurance they can afford through the Health Insurance Marketplace. You may qualify for a federal subsidy to help you pay for the plan you choose. If you do not have access to health insurance through your job, you should explore your options in the Marketplace. Most states direct their residents to access the Marketplace at the government site here. The following states have their own Marketplace portals where their residents can access ACA plans.

States That Have Their Own Health Insurance Portals

Some states have elected to manage their own version of Marketplace Healthcare Insurance. Here is a look at those states with links to the appropriate website to apply for Marketplace health insurance.

How Much Does Marketplace Health Insurance Cost?

It varies a great deal. What you pay will depend on your family size, your income, your deductible, the state you live in and what health insurance plan you choose, plus other factors. The average cost for a plan for an individual on the healthcare marketplace was somewhere between $273 and $648 monthly. You can use this tool from Healthcare.gov to estimate your payment.

What is Open Enrollment?

It’s the three to five months each year that the ACA Health Insurance Marketplace is open for everyone to pick a apply and pick a plan or change their current plan. It’s typically from November to sometime in the early months of the next year, although in some states it closes at the end of December.

What is Special Enrollment?

The Special Enrollment period for the Healthcare Marketplace is the rest of the year after Open Enrollment is over. In most cases, applicants for health insurance during Special Enrollment must meet at least one qualifying factor. However, COVID-19 has made it fairly certain that anyone who has been impacted by the pandemic may apply during Special Enrollment. Additionally, states with their own healthcare marketplaces may have qualifying events that go beyond the federal marketplace standards.

For example, California imposes a tax penalty on its residents who are not covered by health insurance. If you are a California resident who received such a tax penalty, you are eligible to enroll through Covered California during the Special Enrollment period.

Affordable Health Care for You and Your Family

Pediatrician checking up on a girl while her mom stands on the side.

Purchasing health insurance on your own can be complicated and expensive, but Freeway Insurance can help you save time and money. And if you can’t afford health insurance, we’ll let you know if you qualify to have some or all of your coverage paid for by the government. There are penalties for not having health insurance in some states, but even more importantly, you and your family will have peace of mind knowing you are covered.

Give us a call to talk to an expert insurance agent who can answer your questions and help you find the health insurance plan that fits your needs and budget.

Having a Health Insurance Plan Makes Sense

When you have health insurance coverage, you’re more likely to get routine checkups and preventive care, which helps you stay healthy and saves money on medical costs in the long run. Without health insurance, a short hospital stay could be costly if you become sick or injured, and you could be responsible for the entire bill.

A health plan can help protect your finances if you have a major medical incident. Serious diseases or accidents often require surgeries, treatments, and medications that can result in hundreds of thousands of dollars in medical expenses. Don’t get stuck without health insurance the next time you need medical care, let Freeway Insurance help you find an affordable health plan.

Freeway Can Help You:

  • Enroll during Open or Special Enrollment if you are eligible
  • Compare plans
  • Explore any free or low-cost programs for which you may qualify
  • Get a clear picture of what premiums you’ll pay and what benefits you’ll receive before you enroll
  • Apply for financial assistance from the federal government to help pay for the costs of your medical care and coverage
  • Avoid costly penalties
  • Get outstanding service all year round: before, during, and after the enrollment period, we’re here to help!

View of Covered California and Kaiser Permanente logos.

Get a Free Health Insurance Quotes Today

Get the peace of mind that comes with knowing you’re protected if you become sick or injured by signing up for a health insurance plan through Freeway Insurance. Find an affordable health care plan that fits your needs and budget through Freeway Insurance. Get a free health insurance quote online or give us a call to get started.

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