How can you compare health plans?


Quick Answer

People can compare health insurance plans through a medical insurance marketplace, according to eHealthInsurance. These marketplaces ask for some basic information, including age, income and address, and return a list of insurance companies offering services in the area and price estimates for their plans.

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Full Answer

Consumers looking for health insurance during the open enrollment period for the Affordable Care Act may also use the government's insurance marketplace to compare prices and see if they qualify for subsidies to lower costs, according to HealthCare.gov.

  1. Go to HealthCare.gov
  2. Go to the HealthCare.gov website and click on Get Coverage. Look for Get Plans and Prices toward the bottom of the page and click on Get Started.

  3. Get policy pricing
  4. Enter a ZIP code and click on Get Started. On the next page, enter in the household income and press Enter. Enter in the age of each person to be covered by the insurance plan. Click Done with this step. If interested in learning more, click on the provided link to see how much they may qualify for in subsidies. Otherwise, click Continue to Plans.

  5. Review the available plans and pricing
  6. Scroll down the results page to see each policy, the estimated monthly premium, deductible, out-of-pocket maximum, co-payments and other information. Click on the link under each plan to find detailed information about what is covered and costs for individual services. When consumers see a plan they like they can create an account and fill out an application.

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