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1. Health Insurance 101
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3. What does it mean that the U.S. is rated 37th in the world in health care?
4. Insuring Your Student

Q. My health insurance company is nonrenewing my individual policy. Can they do this?

If your policy is not guaranteed renewable, the company can exercise its right to nonrenew your policy. Nonrenewal refers to the termination of a policy at the expiration date. If an insurer decides it does not want to renew your policy, it must mail or deliver to you a nonrenewal notice at least 60 days before the policy's expiration date. The nonrenewal notice must provide the reason for the nonrenewal.

Even if your policy is guaranteed renewable, the company can nonrenew your individual policy with 90 days notice if it nonrenews all policies of that type in the state and offers you any other type of individual health policy that the insurer offers individuals. The company can also nonrenew your individual policy with 180 days notice if it nonrenews all individual health policies in the state.

Q. It looks like I can save a lot of money by switching my health insurance. Are there any differences between health insurance policies?

Yes, there can be substantial differences in the benefits offered between policies. If the premiums are significantly different there is a strong likelihood that the cheaper policy provides much less coverage. The old adage, you get what you pay for, is often true with health insurance. When comparing the price of insurance policies it is important to carefully analyze the benefits between policies. If you have difficulty interpreting the differences, you may wish to have someone who is knowledgeable assist you in making this very important decision.

Q. My health insurance policy includes a deductible and coinsurance. What does this mean?

A deductible is the initial dollar amount you must pay out-of-pocket before an insurance company pays its share. It is usually a flat dollar amount. Usually the higher the deductible, the lower the premium. Coinsurance is the share or percentage of covered expenses you must pay in addition to the deductible. For example, your policy may pay 80% of covered charges after you pay the deductible. You would then pay the remaining 20% as coinsurance until a maximum out-of-pocket expense is reached.

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OUR MISSION

You could spend hours calling all the top insurance companies looking for the best policy at the best price. Or, let us do the work for you in minutes! We give you only the best quotes considering cost, coverage, and your individualized needs.

 Let insurance companies compete for your business:

1. Start saving by entering your zip code in the box to the left.
2. We instantly survey our network of all the top insurance companies.
3. You receive up to 5 of the BEST quotes, matched to your needs.

How do we find you the lowest rates?

The key to our unique system lies in our vast network of top insurance companies all linked together electronically. Every insurance company in America has a specific target market. If you fit into that specific "box" you get a great rate. However if your needs fall outside that box they will still give you a quote, but you will be paying much more than you should.

What we do best is instantly survey the entire health insurance industry for you. We get hundreds of quotes electronically based on your specific needs, and pass along only most competitive rates to you. In other words we find the companies that want your business the most and are willing to provide discounts to obtain it.

Providing you up to date information:

What kind of policy do you need? How much coverage should you buy? What affects the cost of my policy? These questions and many more are ones we can help you get answers to. Visit our health insurance frequently asked questions (FAQ) page for the latest information. 

Fast Custom Quotes  partners with InsureMe, the most experienced online insurance shopping service, to help you find the affordable health insurance you need. Together we connect you with knowledgeable insurers, who can answer your questions, listen to your concerns, and provide you the most competitive health insurance quotes in the industry.  

Finding the right health insurance policy has never been easier! 

We focus on you:

Whether you need low-cost health insurance for yourself, your teenager or your entire family, FastCustomQuotes cares. We’ll focus on your needs and work hard to find you just what you need—at a price you can afford. 

Don’t spend an arm and a leg on health insurance! Let FastCustomQuotes save you money with free quotes, affordable coverage—and a healthy, productive life. Complete our quote box now!

Questions? Visit our Resource Center or browse through the articles listed on the left.