As you view the online quotes, be aware that very different types of health plans, i.e. Temporary Medical, Basic Medical, and Major Medical, are often grouped together for simple comparison purposes. Also be aware that no matter what rate appears online, your final premium rate is actually determined by the insurance company based on medical underwriting. We suggest you check out Tips I and Tips II below prior to browsing. For quicker or next-day coverage, please see our Temporary page. Why Some Insurance Is Cheaper One way to generate interest in a product is to have a lower price.
Health insurance is no exception.
While comparing price is easy, you should always be aware of the differences in coverage which account for the differences in price. There is nothing wrong with trading some benefits for a lower premium. Here are some ways that cheaper health insurance is created. Fewer limits on medically necessary treatment. More overall coverage , including mental health, etc.