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Health insurance is a major expense for many people. Purchasing health insurance can be confusing and difficult, but it doesn’t have to be. This article will present you with top ways to find health insurance that fits your needs. You’ll also learn how to compare quotes online in order to get the best deal possible.

1. Get Quotes From Your Employer

Your employer may offer you health insurance as a benefit. If so, this is usually one of the best ways to get affordable and high-quality coverage for yourself and your family. Many employers will even contribute some or all of the premium expenses on behalf of their employees. This option is especially advantageous if you have little or no income outside of your job.

Your employer is also in a good position to offer you coverage for pre-existing conditions, meaning that you won’t have to wait before being covered when it comes time to sign up. Additionally, some employers will provide dental insurance coverage as part of their health plan package, which can help take the pressure off of your monthly expenses.

2. Get Quotes From Your State Marketplace

If your employer doesn’t offer you any coverage options, or if you can’t afford their premiums and deductibles, then it’s time to check out the health insurance marketplace. Although not all states have them yet (check this map for more information), many people are finding that these marketplaces provide a number of advantages.

One of the biggest benefits is that you can immediately get quotes and compare plans on a state-by-state basis, so there’s no more need to shop around town or wait for mail-order catalogs in the hope of finding coverage. Additionally, many states have subsidies available through their marketplaces which will help families who are struggling financially to afford coverage.

3. Get Quotes From a Direct Insurance Provider

Nothing beats getting quotes from an insurance provider when it comes to affordability. By directly contacting companies such as Aetna, Cigna, and Blue Cross/Blue Shield, you will be able to get personalized plans that fit your specific needs and budget constraints. You can also specify the amount of coverage you need, which can help you to avoid spending money on unnecessary add-ons.

In addition, many direct insurance providers will let you purchase supplemental coverage for your spouse and children if desired. This “extended family” plan is a great way to ensure that the whole family has peace of mind when seeking medical treatment. You’ll also be able to place your entire family on the same plan, which can help you save money by bundling all of your premiums.