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Individual coverage Just you. All your possibilities.
Starting a new job, leaving an employer plan, or simply exploring your options? Make room for coverage that fits your everyday life.
Explore individual coverage INDIVIDUAL & FAMILY HEALTH INSURANCE
Health insurance.
Health insurance.
For real life.
For the everyday checkups. The unexpected turns. And the people who make it all matter. Find your next step toward health coverage that fits.
A simpler way to shop
For the life you’re living.
And everything that comes next.
Built around real life Individual and family health coverage
A little more clarity Understand your options before you choose
You’re in the driver’s seat No cost to use. No obligation to enroll.
COVERAGE, ON YOUR TERMS
Different lives.
Different lives.
One good place to start.
There’s no one-size-fits-all life.
Your search for health insurance can start with what’s happening in yours.
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Family coverage For your favorite people.
From checkups to life’s little surprises, there’s a lot to think about. Start with the people you need to cover, then explore your next step.
Explore family coverage 03
Self-employed & independent Your own boss. Your own plan.
Building something of your own? Individual and family health insurance can be a way to get coverage outside an employer’s plan.
Find coverage on your terms LESS GUESSWORK. MORE DIRECTION.
Let’s make the first step
Let’s make the first step
the easy part.
You don’t need to have all the answers.
Just a place to begin.
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Start where you are.
Enter your ZIP code. Insurance options depend on where you live, so that’s our starting point.
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Tell us what matters.
A few simple questions about who needs coverage and your household help guide your search.
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Explore your next step.
Continue with an insurance shopping service to review options, ask questions, and decide what fits.
THE BIG PICTURE
Health coverage for
Health coverage for
more of your life.
ACA Marketplace plans cover a set of essential health benefits. Here are a few of the ways that coverage can show up for you.
Explore all essential benefits at HealthCare.govEveryday doctor visits
Outpatient care for the ordinary days and the days you need a little more help.
Prescription medicines
Drug coverage, with covered medicines and costs that vary by plan.
Hospital & emergency care
Coverage for bigger health needs, including hospital stays and emergency services.
Preventive care
Screenings, vaccines, and other preventive services to help you stay on top of your health.
Mental health care
Mental health and substance use disorder services are part of essential coverage.
Pregnancy & newborn care
Care during pregnancy and after birth, for an important new chapter.
These benefits describe ACA Marketplace coverage. Specific services, provider networks, prescription lists, and your share of costs vary by plan. Review the plan documents before enrolling.
LOOK BEYOND THE MONTHLY PRICE
A good fit is in
A good fit is in
the details.
A plan is more than a premium. Keep these four things close when you compare your options.
Find my next step
Your health.
Your budget. Your choice.
Your budget. Your choice.
Your monthly budget
Look at the premium alongside the deductible, copays, and out-of-pocket limit. Think about both an ordinary year and one when you need more care.
Your doctors & hospitals
Check the provider network for the people and places you trust. Ask about referrals, specialists, and what happens if you go out of network.
Your prescriptions
Find your medicines on the plan’s drug list. Check the cost, preferred pharmacies, and any approval requirements or quantity limits.
Your life ahead
Consider the care you use today and what might change, from regular appointments to a growing family. Read the Summary of Benefits and Coverage.
INSURANCE, IN PLAIN ENGLISH
Fewer unfamiliar words.
Fewer unfamiliar words.
More informed decisions.
You don’t need to become an insurance expert. A few basics can help you compare with confidence.
BEFORE YOUR PLAN SHARES SOME COSTS
What you may pay before coverage kicks in.
A deductible is the amount you pay for certain covered services before your plan starts to pay. Some services may be covered before you meet it, so check the plan details.
Ask yourself Could I manage this amount if I needed care early in the year?
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You pay toward the deductible
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Your plan begins sharing eligible costs
Plans can have different deductibles for medical care, prescriptions, or family members.
YOUR SHARE WHEN YOU GET CARE
The part of a covered bill you pay.
A copay is a set dollar amount for a covered service. Coinsurance is a percentage of the cost. The amount you owe depends on the plan, service, and whether your deductible applies.
Ask yourself What would my usual visits and prescriptions cost?
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A fixed amount: copay
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A percentage: coinsurance
Check costs for primary care, specialists, urgent care, and the medicines you take.
A LIMIT ON CERTAIN YEARLY COSTS
The most you pay for covered in-network care.
After you reach your plan’s out-of-pocket limit through deductibles, copays, and coinsurance, the plan pays 100% of covered in-network benefits for the rest of the plan year.
Ask yourself What is my financial exposure in a year when I need more care?
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Your covered in-network spending
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Your plan pays after the limit
Premiums, services your plan doesn’t cover, and most out-of-network costs don’t count toward this limit.
NEW CHAPTER, NEW POSSIBILITIES
Life changed?
Life changed?
Your options might, too.
Marketplace plans generally have an annual Open Enrollment period. Certain changes—like losing qualifying coverage, moving, getting married, or having a baby—may open another window to enroll.
Learn about Special Enrollment at HealthCare.govEligibility, deadlines, and required documents depend on your situation.
GOOD QUESTIONS. CLEARER ANSWERS.
A little clarity
A little clarity
goes a long way.
Here’s what to know before you take the next step.
What kind of health insurance can I explore here?
Quick Healthcare is focused on individual and family health insurance, including coverage for people who are self-employed or shopping outside an employer’s plan. Our form helps connect you with insurance shopping services. The specific plans available depend on your location and circumstances.
Is Quick Healthcare an insurance company?
No. We’re an insurance referral service. We help you take the next step by connecting you with third-party insurance shopping services. We may be compensated when you connect, and we don’t offer every plan available in your area.
Does it cost anything to use this website?
There is no charge to use Quick Healthcare and no obligation to enroll. If you choose a health insurance plan, its premiums and other costs will depend on the coverage and insurer. Review those details before enrolling.
Could I get help paying for health insurance?
You may qualify for savings on an ACA Marketplace plan. Eligibility depends on your expected household income, household size, and other factors, such as access to other coverage. An official Marketplace application determines what help you qualify for.
Learn about Marketplace savingsCan I get coverage with a pre-existing condition?
ACA Marketplace plans can’t reject you, charge you more, or refuse to cover essential health benefits because of a pre-existing condition. These protections don’t apply to every kind of insurance product, so confirm the type of coverage you’re considering.
Read about pre-existing condition protectionsHow do I know if my doctor and prescriptions are covered?
Check the plan’s current provider directory for your doctor and preferred hospital, and confirm participation with the provider. Review the plan’s drug list, sometimes called a formulary, for your medicines, costs, and any restrictions. Don’t assume two plans from the same insurer cover the same providers or drugs.
Can I enroll at any time of the year?
Marketplace plans generally have an annual Open Enrollment period. Certain life changes, such as losing qualifying health coverage, moving, getting married, or having a baby, may qualify you for a Special Enrollment Period. Rules, deadlines, and documentation vary.
Check Special Enrollment guidanceWill filling out the form enroll me in a plan?
No. Our form starts your search and connects you with a next step. Enrollment happens separately through the insurance provider, Marketplace, or other authorized enrollment service. You can review the details and decide whether to proceed.
YOUR NEXT CHAPTER STARTS HERE
A little less searching.
A little less searching.
A little more living.
Let’s find your next step toward individual or family health coverage.