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DISCLAIMER: ConsumersHQ.com is not connected with or endorsed by the US government or federal Medicare program. By clicking "GET MY QUOTE" (1) I provide my express written consent via electronic signature to receive emails, telephone calls, text messages (SMS), artificial or pre-recorded messages from Medicare Rates its affiliates, and/or any third-party partners (or their service provider partners on their behalf) regarding their products and services (Including Medicare Advantage plans, Medicare Part D Prescription Drug Plans or Medicare Supplement Insurance Plans, Final Expense Plans) at the email address and telephone number provided, including my wireless phone number (if provided) utilizing an automated telephone dialing system and I understand that I am not required to grant this consent as a condition of purchasing and property, goods or services from the foregoing companies and my consent can be revoked at any time. (2) I agree to this website's Privacy Policy and Terms of Use. Availability of carriers and products are dependent on your resident zip code. Not all plans or benefits available in all areas. Consult a licensed insurance agent to find plans available in your area. Limitations and exclusions apply. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. Message and Data rates may apply. Message frequency varies. I understand that this website collected my phone number, email, first name, last name, address, date of birth, income and zip code.

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ConsumersHQ.com is a leading provider of low cost health insurance quotes. Many people from all walks of life — small business owners and the self-employed, retirees, students, and people whose jobs don’t provide health insurance — have used this site to learn about health insurance, compare plans, get free health plan quotes, and lower their healthcare costs.

Here are some of the plans our network of brokers offer:

Preferred Provider Organization (PPO) Plans

With a PPO, most healthcare is provided by a network of providers who are partnered with the plan and offer a substantial discount to their normal rates. Members can also receive service from providers outside of the network for a higher out-of-pocket cost. The major advantages of a PPO are flexibility and choice; for example, with a PPO you can get specialist visits covered without a referral from your primary care doctor.

Health Maintenance Organization (HMO) Plans

HMOs are a lower cost alternative to PPOs, offering less flexibility but also lower premiums. Unlike a PPO, HMO members must receive care from doctors, specialists and hospitals that are within the HMO’s network. With an HMO, you select a primary care physician, or PCP, who serves as your primary contact for all of your healthcare needs. In addition to providing general medical care, your PCP must also be consulted in order to see a specialist.

Short Term Medical Insurance

Also known as temporary health insurance, Short Term Plans typically provide some level of coverage for major hospital, medical, and surgical expenses related to a covered illness or injury. Short Term Plans can be significantly cheaper than major medical plans, but they also offer less coverage. Short Term health insurance is ideal for people who are waiting for employer insurance to start, are between jobs, or who are just getting off their parents’ coverage.

Health Savings Accounts (HSA) Plans

Health Savings Account Plans allow you to put tax-free money away to cover healthcare costs. HSA Plans must be combined with a High Deductible Health Plan (HDHP), which is a plan that offers low premiums in exchange for a high deductible. HSAs and HDHPs complement each other because the income tax-free money that you put into your HSA can be used to pay for your deductible, should you ever require expensive medical care. HSAs are regulated by the IRS, and have similarities with other investment vehicles; for example, ownership can be transferred to a spouse tax-free if the account owner dies.

We know that health insurance can be confusing, and you probably have a lot of questions. That’s why we recommend speaking to a licensed health insurance agent before enrolling in a plan. Health insurance agents are licensed in their local state to provide advice and help people select the best plan for their unique needs. There is no obligation to get a free health insurance quote, and no cost at any time to use this service.

This website is operated by Mei Chan and is not the Health Insurance Marketplace website. In offering this website, Mei Chan is required to comply with all applicable federal law, including the standards established under 45 C.F.R. 155.220(c) and (d) and standards established under 45 C.F.R. 155.260 to protect the privacy and security of personally identifiable information. This website may not display all data on Qualified Health Plans being offered in your state through the Health Insurance Marketplace website. To see all available data on Qualified Health Plan options in your state, go to Health Insurance Marketplace website at HealthCare.gov. ConsumersHQ.com is an independent broker, Mei Chan, and is licensed. Licenses available upon request. This website is privately owned and operated by Mei Chan, a licensed insurance agent, NPN #19794287. License numbers are available upon request and are provided where required by law.

This website is not affiliated with the Affordable Cares Act program or any other government entity. The information provided on this website is for informational purposes only. It is not intended to be, nor does it constitute any kind of financial advice. Please seek advice from a qualified professional prior to making any financial decisions based on the information provided. PLEASE BE AWARE THAT THIS IS AN ADVERTISEMENT AND NOT AN ACTUAL NEWS ARTICLE, BLOG, OR CONSUMER PROTECTION UPDATE.

The information above has been fact-checked and updated for accuracy.