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Frequently Asked Questions
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Looking for health insurance but not sure where to start?
You're not alone. More than half of Americans under age 65 -- about 158 million people -- get their health insurance through an employer, while about one-quarter either have a plan purchased through the individual insurance market or are enrolled in Medicaid. Although the ACA has expanded and improved coverage options for people without access to a job-based health plan, the law largely left the employer market alone. Today, 45 percent of U.S. adults ages 19 to 64 are inadequately insured -- nearly the same as in 2010 -- though important shifts have taken place.
At PolicySpring.com, we're using technology to help individuals quickly compare and find the best health insurance coverage.
We've helped thousands get insured, all online.
Find out what you qualify for completing our short quiz above.
If you're a pre-qualified candidate, we'll connect you with a health insurance expert that will walk you through the process of quoting and securing the perfect health insurance policy.
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Yes. We can enroll consumers in a new health plan year-round.
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As of this year, there is no longer a federal penalty for being uninsured. There was a penalty for the individual shared responsibility provision (individual mandate) that applied from 2014 through 2018. Enforcement of the penalty was not the same as it was for other taxes, but it was still enforced and millions of people paid it each year.
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The cost of health insurance depends on several factors. Costs vary based on your plan type, whether you have insurance through an employer or private insurer, what state you live in, and how much of the insurance you cover.
Additionally, if you purchase your coverage through the healthcare exchange, you may qualify for government subsidies based on your household income.
On average, individual policies cost anywhere from $150 to $200 per month and family policies can cost $350 to $425 per month. With some plans, you will pay these premiums entirely out of pocket and for others, the majority of premiums are covered by an employer.
You can adjust your premium based on your coverage amounts as well as your deductible amount. If you need more affordable healthcare but aren't sure where to start, you can shop for a lower cost plan through an independent agent in our network.
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No.
You're under no obligation to work with us or any of our partners if you don't want to.
After you complete the short quiz above, we'll connect you with health insurance specialist that will help you uncover the best policy for you budget and desired coverage..
The pre-qualification process takes about 30 seconds, and is a great way to find a ball-park estimate.
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Health insurance is tax deductible if you are self-employed or have a health savings account. If you are self-employed, the premiums that you pay for health insurance for yourself and your dependent can be deducted from your taxes. If your dependents are covered under another insurance plan, you cannot deduct that premium.
A health savings account (or HSA) is used in conjunction with a high deductible health plan. You typically must buy these plans from an employer, although they are also offered through private insurance companies. Any amount of money that you contribute to your HSA account, up to a certain limit, is tax deductible.
