How to Select best Individual Health Insurance Quotes

How to Select best Individual Health Insurance Quotes

As an individual shopping for health insurance online --Follow these tips for a hassle free experience.

Individual or private health insurance plans are not guaranteed issue like group health insurance. The coverage and rates you will be offered at the end of the day, are completely based on your health history. Online health insurance rates are based on your ZIP code, date of birth, and tobacco status. With anonymous information, you are shown the best possible rate you could qualify for until you submit an application.

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The good news though is that historically over 75% of my clients have qualified for the rate I show them because I take the time to ask about their health history so I can show potential customers what their real rate is and not a "Bait and Switch" like many online companies.

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If you are used to having group health insurance quotes provided through an employer, and the prospect of shopping for your own individual plan is a little daunting, that's 100% normal we all need a knowledgeable expert to help us make an informed decision. If you are fairly healthy individual , this truly is a buyers market the health insurance companies need healthy individuals to make their premium payments on time to offset those folks who unfortunately have health issues.

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Usually, every quarter every health insurance company in your local market will lower their rates for new applicants to gain an even greater market share. It's evident that it's always in your best interests to check the carriers for new rates every three months.