The concept of health insurance was first proposed in 1694. Hospital and medical expense policies were introduced during the first half of the 20th century. People have been trying to understand health insurance for at least the last one hundred years!

Health insurance plans are usually described as "comprehensive" or "catastrophic" plans.

• Comprehensive plans are wide-ranging, covering most medical expenses both in the hospital and out. These plans usually provide coverage for hospital and physician charges subject to deductibles and coinsurance. This coverage combines basic medical expense policy and major medical policy. These types of plans are generally the more expensive of the two. By choosing higher deductibles one can substantially reduce rates.

• Catastrophic plans generally cover only the major medical expenses, and rates tend to be lower. Sometimes referred to as a "high deductible health plan", "value plan" or "economical plan" - out of pocket expenses are higher, with limitations on office visit and prescription coverage. Some plans include preventive benefits which are not subject to a deductible. When a "network" provider is used, out-of-pocket costs are often discounted.

There are typically two kinds of insurance plans - indemnity plans (known as reimbursement plans) and managed care plans such as health maintenance organizations (HMO), preferred provider organizations (PPO), and point of service (POS) plans.
 
Health insurance quotes for individuals and families are available - click here to see your quoting options.  The key is to remember that these quotes are guidelines and not absolutes in some instances. Realistically speaking, one's heath is a very personal topic and each person's needs are different from the next.  This means that applicants for individual insurance will need to complete a brief medical questionnaire when applying for benefits and, unlike a group insurance policy, in most states a company can decide to rate up the premiums or not to cover people with serious medical conditions. The quotes usually provide information regarding any exclusions. Please note that the instant quotes reflect standard rates.

Health insurance is probably the most difficult type of insurance to purchase. Everyone's situation is different and when seeking quotes, it is crucial to understand one's own circumstances. Health insurance quotes are the first step toward getting your own personalized health insurance plan. A great benefit of using our quoting engine system is that it is free to you. Our experienced licensed agents are readily available to assist you. We understand your time is very important and we value your trust in us to be your online source for your health insurance needs.