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Everything you need to know about applying for health insurance.
Thanks to the Affordable Care Act, shopping for, applying, and purchasing health insurance is now easier than ever. Everyone can now shop for health insurance online using Healthcare.gov, their state exchange, or websites like Policygenius, which can help you narrow down the plans available and make the best choice for you.
To start shopping for health insurance, make sure it's either during the Open Enrollment Period (November 1, 2018 - December 15, 2018) or that you qualify for a Special Enrollment Period. You may qualify for a Special Enrollment Period if you recently got married, had a child, or changed jobs.
No matter where you buy health insurance from, you'll start with a short application. In this application, you'll lay out some basic information about yourself and your family. This includes information about your projected income for the next year, whether or not you use tobacco, and your address.
Based on this information, Policygenius and other sites, like Healthcare.gov or your state exchange, will show you the health insurance plans in your area and how much they cost based on the personal information you provided. Policygenius will also offer additional guidance based on your preferences, such as how much you can afford to pay per month, how much you can spend in an emergency, and whether or not your plan needs to cover specific doctors or prescriptions.
Once you've found the plan you want, it's pretty painless to apply. A quick check of your Social Security Number and projected income estimate against a government database will indicate whether or not you qualify for a premium tax credit. After that check, you'll fill out a quick application with additional personal information and take a short phone call with a qualified agent. Once you've been approved and you make your first payment, that's it – you're officially covered as of the effective date of your plan.
Policygenius’ editorial content is not written by an insurance agent. It’s intended for informational purposes and should not be considered legal or financial advice. Consult a professional to learn what financial products are right for you.
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Yes, we have to include some legalese down here. Read it larger on our legal page. Policygenius Inc. (“Policygenius”) is a licensed independent insurance broker. Policygenius does not underwrite any insurance policy described on this website. The information provided on this site has been developed by Policygenius for general informational and educational purposes. We do our best efforts to ensure that this information is up-to-date and accurate. Any insurance policy premium quotes or ranges displayed are non-binding. The final insurance policy premium for any policy is determined by the underwriting insurance company following application. Savings are estimated by comparing the highest and lowest price for a shopper in a given health class. For example: for a 30-year old non-smoker male in South Carolina with excellent health and a preferred plus health class, comparing quotes for a $500,000, 20-year term life policy, the price difference between the lowest and highest quotes is 60%. For that same shopper in New York, the price difference is 40%. Rates are subject to change and are valid as of 2/17/17.
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