eHealthInsurance.com Review

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Compare free quotes for health insurance online!For those who purchase health insurance through an employer, the process involves selecting medical coverage from a few options. If your employer does not offer health insurance, you’re unemployed or your self-employed, finding quality, affordable health insurance can be overwhelming. Fortunately, there are resources available to help find individual health insurance.

In this article, we’ll look at one of the best online resources that will enable you to quickly and conveniently compare online the cost of several individual health insurance options. Best of all, you can compare health insurance options with no obligation and without providing any personal information

Online Health Insurance Quotes

One of the top online resources for health insurance quotes is eHealthInsurance.com. The company was founded in 1997 and was the first to sell health insurance policies via the Internet. eHealthInsurance is headquartered in Mountain View, California and is licensed to market and sell health insurance in all 50 states and the District of Columbia. eHealthInsurance has developed partnerships with more than 180 health insurance companies, including Aetna, Blue Cross and Blue Shield, AARP, Coventry Health, Humana, and Kaiser Permanente.

Using eHealthInsurance to get free no obligation health insurance quotes is easy. From the main page of eHealthInsurance, enter your zip code. From there you’ll enter just four pieces of information about yourself and any family members you want included in the policy: gender, date of birth, whether you or family members used tobacco products in the last 12 months, and whether you or family members are full-time college students.

With just this information, eHealthInsurance will present you with multiple health insurances plans for you to review. Based on my family’s information, including our two children, here is just a portion of what eHealthInsurance offered online in a matter of seconds:

ehealthinsurance

Benefits of eHealthInsurance

There are several really important features offered by eHealthInsurance.

  1. Many Options: While the image above lists just three options from my search for medical coverage, eHealthInsurance actually presents about 100 options to choose from, depending on where you live.
  2. Easy to Search: The various options can easily be sorted based on a number of factors, such as eHealth’s top pics, by price, by deductible, by ratings, or by the health insurance company.
  3. Easy to Compare: eHealthInsurance makes comparing policies a snap. Once you’ve sorted the options based on the factor that’s most important to you, eHealth allows you to compare side-by-side up to four plans at a time.
  4. Tons of Information: Like it or not, health insurance is a complicated subject. From deductibles to co-pays, co-insurance to doctor networks, there is a lot to consider when purchasing medical coverage. eHealth lays out all of this information for each insurance offer in an a way that’s easy to follow and understand.
  5. Search by Your Doctor: This is one of the most important features eHealth offers. If you already have a doctor, you can search for plans accepted by your doctor. After entering our family physician’s name, eHealth produced 38 medical plans accepted by him.

In addition to all of the above features, eHealth can further refine your search for health insurance by a number of factors, including:

  • Premium Range: You can search for available plans based on a minimum or maximum premium.
  • Plan Features: Whether the plans are HSA eligible or include prescription coverage.
  • Plan Type: Whether the plan is a network or PPO.
  • Office Visits: Whether the plan covers office visits at all, and if so, after the deductible is met or before.
  • Deductible Range: You can search for available plans based on a minimum or maximum deductible.
  • Coinsurance Range: You can search for available plans based on the amount of coinsurance, ranging from 0% to 40%.

If you’d like to review your medical coverage plan options, you can do so by visiting eHealthInsurance.com.

Published or Updated: March 7, 2013
About Rob Berger

Rob founded the Dough Roller in 2007. A litigation attorney in the securities industry, he lives in Northern Virginia with his wife, their two teenagers, and the family mascot, a shih tzu named Sophie.

Comments

  1. This is really great. I went over to the site, plugged in my info and had 30 quotes to compare. Thanks for the tip!

    • DR says:

      Nicki, I was pleasantly surprised by the site. When I began evaluating it, I had low expectations. Not sure why. But it really does provide a wealth of information for those needing individual health insurance.

  2. chris says:

    E-health insurance & all the others provide the worst insurance for anyone who lives in the NYS. They play games by giving you low monthly premiums but when you read coverage details, the copays are high, the deductibles are high, & they offer insurance companies that no doctor takes. there is one primary doctor in all of richmond county that takes “Atlantis” & “HIP” isnt any better. Then theres no out of network coverage so your left paying out of pocket for every doctor you use to see when you had coverage under an employer. All the others are the same no out of network coverage, high copays, paying 50% for brand name prescriptions, they require 20-50% co-insurances on top of your copays, & the HSA is a farce. HSA is a nice way of saying empty your checking/savings account between $10-15 thousands dollars & then the insurance company will pay: by that time the years is up, ur broke & and the plan starts all over again. Oxford, GHI, Aetna provide poor HMO & if your lucky they may offer an equally poor EPO, PPO, or POS system & the only benefit with that is you wont have to see your primary to see your specialist & have to shell out 2 copays for a problem your specialist should be caring for anyway. THE ONLY & I mean ONLY GOOD INSURANCE PLAN is BCBS & they only offer an HMO FOR INDIVIDUALS. IN NEW YORK & YOU WILL PAY $1100 A MONTH JUST FOR THE PREMIUM.

  3. Carol James says:

    Great article,
    It is very important for everyone to have health insurance.If you don’t have insurance and you have to go to hospital, you’ll have to pay over $20,000.That happened to a friend of mine.I know a site that offer the cheapest possible price for health insurance, free quotes and a lot of benefits.

  4. Cookie Bun says:

    ehealthinsurance.com is useless.

    Their quotes are inaccurate. Actual price of the policies listed on their site will be about fifty percent higher AT LEAST.
    I’m talking high deductible plans for people with no health issues what so ever.
    Wish I’d never bothered.
    Don’t waste your time.

    • Peter Franks says:

      Ehealth has very limited customer support. You need an agent to get a policy. It’s free to work with an agent.

  5. Ken the insurance guy says:

    To be fair even though EHealthInsurance.com is a major competitor of ours, they do offer the most informative useful quoting tool for consumers.
    I agree that when you run a quote the top three plans you see are always with their highest available deductibles that make these plans unusable to the average counsmer. On the other hand, if they listed their lowest deductable plans first, no one would give them another look.

    The compromise we have found to remove these high deductable plans to lower the insurance premiums is to look at Assurant Health to see if they offer their Healthly Access limited defined medical plan in your area.

    Covers doctor visits, RX benefit, surgery and hospital without a deductable. Consider this as an aforadable altunitive to a comp major medical plan.

  6. DIANNE Eberhardt says:

    Can i please make a payment this one time with a check or money order until my new pin number comes in the mail?

    • Rob Berger says:

      Dianne, you’ll need to contact your health insurance provider directly with your question.

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