Where to Look for Health Insurance Quote Online

With power of the internet you can be your own insurance agent. With hundreds of website offering health insurance quotes instantly, knowing which one to choose make a big difference. Knowing which website to go to, to get a quote can be difference between having your information sold all over the internet or actually getting instant health insurance quotes. Most of the websites that claim to offer free health insurance quotes are out there to just collect your information and sell it on the internet. There are ways of determining if you are going to get your instant quotes.

First let’s address specifically health insurance shopping and comparison on the internet. The one main thing you have to know is that in the United States you absolutely cannot find a better deal on the same plan somewhere else. What I mean is if you got a quote for a specific medical insurance plan on one website and you want to see if you can get a better deal for the same health insurance plan on the different website that is impossible. The reason for that is when health insurance company comes out with a medical coverage plan they have to submit those rates with states insurance commissioner. That means that the quote that you get from one website has to be identical to what you would get from another website, or get it from your insurance agent, or directly from the insurance company. The health insurance premiums vary because of the plan design. Things that come in to plan design are, deductible, copays, prescription drug coverage and many other factors.

The number one giveaway if the website you are trying to get a quote from is going to provide you with instant quote or just going to collect and sell your information is quite simple. If you are looking at getting a health coverage quote the only thing that insurance company needs to provide you with accurate quote is your age or date of birth, your zip code, your affective date (when you would like your coverage to start), if you are a smoker and if you have a family (that includes same information for them). If website is asking for more information chances are that website is collecting your information and is going to sell it. Who is it going to sell your information to? Your information is sold to insurance agents and insurance companies. Some website will collect your information and then redirect you to a website that will provide you with instant quotes. In most cases they are still going to sell your information in form of a lead.

Next time you are getting a health insurance quote online look for the websites that are just asking you for the most basic information. If a website is asking you for your address, your weight, your hight then it is for sure a website that is just going to collect your information and sell it as a lead. Good luck with health insurance shopping online for website that provides you with instant quote online see below.