Health Insurance
without the hassle

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Find the plan you need

We'll sort through the top rated plans to find the ones that best fit your budget and lifestyle, making it easy to choose the best plan to protect you and your family. Are you looking for Obamacare plans, short-term plans, or Medicare? Are you unsure about what you need? We can help! We understand that you’re an individual with unique needs and health plans are not one-size-fits all. You shouldn't have to overpay for coverage. That's why we developed our quoting engine to help you find the healthcare plan that’s right for you.

Get the government assistance you qualify for

You may qualify for government assistance to help lower monthly premiums and cost-sharing levels. By answering a few simple questions, we’ll check to see if you qualify and show you how much you could save per month.

Comprehensive coverage for pre-existing conditions

Rest assured, you no longer have to worry about pre-existing conditions affecting your health insurance costs or your coverage. The affordable care act (ACA) requires that all pre-existing conditions not only be covered but they cannot cause your health insurance premiums to increase. This means that your health insurance premiums and coverage will be exactly the same as someone without a pre-existing condition.

Leave the work to us

You no longer need to spend hours researching and comparing hundreds of plan options. By asking a few simple questions, we’ll calculate your quotes and determine the best options for your lifestyle. No hard to read plans or insurance jargon—just straightforward, need to know facts. It’s that simple.

A Simple, straightforward comparison of your best options:

  • Instantly view customized quotes that best fit your life
  • Use our filtering tool to narrow down your choices by what’s important to you and your budget
  • Select the plans you like the most and compare them side by side
  • Purchase your plans online or over the phone in minutes. Not ready yet? You can save your plans until you’re ready to buy.

Get your questions answered.

Our licensed experts are ready to answer your questions

Let’s get started!
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"I highly recommend TopHealthPlans.org. After seeing a big spike in my health insurance premium, I decided to explore my options to see if there was a better plan out there for me. In just minutes I was able to find the perfect plan much more suited to my needs."

–David, Phoenix AZ
Frequently Asked Questions
Where should I buy health insurance?

We’ll get you the plan you need. By asking only the important questions, we determine the top plans for you, providing customized quotes to ensure that you find the plan that best fits your budget and lifestyle. Whether you’re shopping for yourself or for the whole family, we’ll make sure that you find a plan tailored to your needs.

What kinds of plans do you offer?

We offer plans for individuals and families, nationwide. Whether you’re looking for an Obamacare approved plan or a short term plan to protect you from coverage gaps, we’ll help you get the coverage you need.

What's open enrollment? How does it work?

The Open Enrollment Period only happens once per year and is your yearly opportunity to sign up for a new major medical plan or change your existing health insurance coverage. If you do not enroll in a plan, you may be charged a tax penalty of up to $2,448 (per adult). Open Enrollment for 2017 ended on January 31st. You can still qualify for a Special Enrollment Period to enroll in an Obamacare plan if you’ve experienced a qualifying life event. You can learn more about Obamacare and qualifying life events here.

What is the Affordable Care Act (Obamacare)?

The Affordable Care Act, also known as Obamacare, created some big changes in health insurance. These changes are designed to give consumers increased protection and guaranteed minimum coverage for essential care. Plans that meet the criteria outlined by the ACA are known as Affordable Care Act compliant. All Obamacare approved plans provide coverage for:
1. Outpatient care
2. Emergency room care
3. Hospital inpatient care
4. Pre and post-natal care
5. Mental health and substance abuse treatment
6. Prescription drugs
7. Lab tests
8. Preventative services
9. Pediatric services
10. Rehabilitory services after an accident or due to a chronic illness or disability.
The ACA mandates that everyone have an Obamacare approved health insurance plan. In addition, the ACA also mandates that these plans must be available to everyone.
Click here
for more information about Obamacare.

Am I required to have health insurance? What happens if I don’t have it?

Health insurance not only protects you from large medical bills but also gives you access to a network of medical professionals in your area helping you find the best care possible. Additionally, the Affordable Care Act mandates that you must have health insurance. If you do not have health insurance, you may have to pay a tax penalty. Although some people may be exempt from this fine, the vast majority of people without health insurance will be subject to the penalty.

What are the different types of Obamacare plans?

Obamacare plans come in five different coverage levels, known as metal plans:

BRONZE plans: Pays around 60% of healthcare costs

SILVER plans: Pays around 70% of healthcare costs

GOLD plans: Pays around 80% of healthcare costs

PLATINUM plans: Pays around 90% of healthcare costs

CATASTROPHIC plans: the lowest level of coverage and are only available to people under 30 and those with a hardship exemption.

Click here for more information about Obamacare plans.

What is short-term health insurance?

Short-term health insurance provides coverage for a limited period of time. If you recently lost coverage, are looking to protect yourself from a coverage gap, or even just need a policy for a specific event, then a short-term plan is a great option. Click here to read more about short-term plans.

Do you have licensed agents that I can talk to?

Yes! We understand that shopping for health insurance can seem overwhelming, and although our online process is simple, sometimes it’s easier to talk it through. Our experienced agents are ready to answer all of your questions and walk you through the health insurance selection process. Give us a call to get started (855)906-5093.

What information do you need to get a quote?

We’ll ask some basic information about yourself such as your age and zip code, your household size, and a few questions about your lifestyle so that we can accurately calculate the best rates for you. Click here to get a customized quote.

Do I qualify for a subsidy or savings on healthcare coverage?

Your savings depend on your expected income for 2016. This year, about 8 in 10 of the uninsured who are eligible for Marketplace coverage qualify for financial assistance to lower the cost of their monthly premiums. But, don’t worry about doing the math, we’ll check to see exactly how much financial help you may be eligible for as part of our quoting process. Get started.

Can I sign up now?

Yes, you can instantly receive customized quotes for plans available in your area in minutes! Get started.