An Easy Step-by-step Process to Choosing a Plan and Getting Signed Up

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We believe that health care and health insurance is way more expensive and complicated than it should be, especially for people who purchase their own coverage and are not covered by an employer or the government.

consumer guide know your options

1. Know your Options

You can choose an HSA-qualified plan that is approved under the Affordable Care Act, and covers all pre-existing conditions and preventive care. You may receive a subsidy if your income is below 400% of the federal poverty level.

Or you can join a health sharing program that works with a group offering HSA-qualified Minimum Essential Coverage. These programs are generally much less expensive than conventional health insurance.

consumer guide compare options

2. Compare Plans and Rates

First get an Instant Quote and compare health insurance plans. Note that if you earn less than 400% of the Federal Poverty Level, your premium may be substantially less.

Always remember to check the physician list to make sure your doctor is in the network.

If you are in relatively good health, compare these rates with what it would cost to join a health care sharing plan.

Information on how the health insurance plans work is on our Understanding the Coverage and Costs page.

If you are outside of open enrollment and don’t qualify for a special enrollment period, you can also sign up for a short-term medical plan.

consumer guide sign up

3. Sign up!

You can enroll in a health insurance plan any time during Open Enrollment, in most states from November 1 – December 15, or if you qualify for a special enrollment period (due to a birth, marriage, divorce, move, change in income, or loss of existing coverage.)

If you sign up for an plan by the 15th of the month, your coverage will be effective as soon as the first of the following month.

You can sign up for a health care sharing plan any time of the year.

Want to know more about how you can benefit from a Health Savings Plan?
Click below to get an instant quote.


Health insurance plans that are HSA qualified can be viewed in our health insurance instant quote results. HSA-qualified plans will have a blue HSA symbol.
Choose your state below to get a free individual health insurance quote for both HSA-qualified and non-HSA health insurance plans. For a quote on a group, please fill out this Census Form, or schedule a consultation with one of our small business experts.

Learn more about available health insurance plans


Health sharing plans are not insurance but a more affordable way to make sure your family is protected from unexpected medical expenses. Health sharing means that the group is helping to cover each other's medical bills.
Choose your state below to get a free individual quote on our low-cost health sharing plans. For a quote on a small group, please fill out this Census Form, or schedule a consultation with one of our small business experts.

Learn more about healthshare programs

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Disclaimer: All information on this website is relayed to the best of the Company’s ability, but does not guarantee accuracy. Information may be out of date. The content provided on this site is intended for informational purposes only and does not guarantee price or coverage. This site is not intended as, and does not constitute, accounting, legal, tax, and/or other professional advice. Determination of actual price is subject to Carriers.