The Fast and Easy Way

Instant Quotes:
Compare Carriers Most States

Enter your zip code: 

For all states except: Maine, Massachusetts, Rhode Island, and Vermont.   New Jersey, New York, and Washington are limited to the "visit website/ get help" button.

AFTER getting quotes, then complete the form on the right to apply or visit the website for more information.

There is usually no charge for more than four children. Enter the youngest four.

Tips to find what you want:

  • Click on the "Details" link in each quote to see the plan features. Use the tabs at the top in "Customize Search" to focus on your preferences.
  • All insurers, all plans
    If the list is too long, use Customize Search to narrow the selection
  • A particular insurance company
    Select the insurance company under Customize Search in the Carrier tab
  • Tax deduction for out-of-pocket expenses
    From the first dollar, what you pay in medical expenses before the deductible is met can be tax-deductible using contributions to a Health Savings Account (HSA)
  • Copays for doctor visits and prescriptions
    If the HSA tax deduction is not important, these plans with various copays may be preferred (tax law does not allow both)
  • 'Catastrophic' coverage
    The lowest premiums possible, with or without tax deductibility for out-of-pocket expenses

Who Gets Accepted

Generally, everyone in good health is accepted, but there can be other factors.

If you contact us, we can provide an advance indication of acceptance (not guaranteed).

There is no guarantee of acceptance. Do not cancel current coverage until written verification of new coverage is received.

*First Name:

*Last Name:

*Street Address:




*Cell Phone:

*Work Ph:*Ext/Dept:*Home Phone:

*Email Address:

*Repeat Email:

*Applicant *Tobacco*Date of Birth

  Spouse Tobacco  Date of Birth

  M/FDate of Birth  M/FDate of Birth

  M/FDate of Birth  M/FDate of Birth


Who Gets Rejected

Generally, any serious chronic medical condition is declined, unless mandated otherwise by law.

This list is not exhaustive, but the following conditions (especially in the last five years) are usually never accepted for non-group coverage:

AIDS/HIV, alcohol or substance abuse, bipolar, cerebral palsy, diabetes type 1, heart attack, stroke, rheumatoid arthritis, cirrhosis of the liver, coronary artery/heart disease, chrohn's, down's syndrome, emphysema, hemophilia, hepatitis C, lupus erythematosis, multilple sclerosis, muscular dystrophy, overweight, organ transplants, parkinson's, schizophrenia, ulcerative colitis.

Depending on the insurer, some conditions may be excluded from coverage or have a higher premium.

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