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The Self-Employed and Freelancers

If you make too much for subsidies, Marketplace plans are astronomically expensive. Private insurance offers a rational, immediate price point. 

How can I buy health insurance now online?

Yes, you can start immediately online, but we urgently recommend speaking with our licensed agents. A brief conversation ensures you build a safety net that fits perfectly. You can buy health insurance now through us with expert guidance to ensure zero gaps in coverage. 

Is private health insurance expensive?

Actually, it is often much cheaper instantly. Clients see rapid savings of up to 50% compared to unsubsidized Marketplace plans. You only pay for what you urgently need.

I have a pre-existing condition. Can I still get covered with Private Health Insurance? 

Absolutely. While some private plans have underwriting, many offer guaranteed issue provisions. We have immediate access to a wide variety of carriers to find a rapid solution ensuring you have access to care.

What is the difference between an HMO and a PPO Network?

Marketplace plans are usually restrictive HMOs requiring referrals. The private PPO networks we recommend generally offer immediate nationwide coverage, allowing you to see any specialist instantly without a referral.

Do I have to wait for Open Enrollment to sign up?

No! You can get health insurance now. You can enroll anytime without waiting for a “Qualifying Life Event.” You can get fully covered starting as early as tomorrow.

Why should I use Health Insurance Now instead of a specific insurance company?

Specific companies only show you their own limited plans. At Health Insurance Now, our proprietary software instantly compares over 25 carriers. We work urgently for you to secure the absolute best price and coverage available today.

Don't Risk Another Minute: Get Health Insurance Now

Don't Risk Another Minute: Get Health Insurance Now

$7,500+

$30,000

$100,000+

137M

Early Retirees

If you’re retired but not yet 65, you need a rapid bridge to Medicare. Private plans are the perfect fast solution.

Small Business Owners

You must protect your bottom line today. We can instantly structure plans that keep your business healthy.

Families and Students

Whether a child is going out of state or you travel frequently, the nationwide networks found in private PPO Network plans are essential right now.

The Consultation

You call our hotline or request an urgent quote. You speak to a live, human expert—not a slow, automated robot.

The Match

We quickly input your needs into our proprietary software, scanning 25+ top-rated carriers in seconds.

The Selection

We present you with the absolute best options. You compare them side-by-side with our rapid guidance.

The Enrollment

We handle all the paperwork immediately. You can often be approved and fully covered in just 24 to 48 hours.

Massive Immediate Cost Savings

You can expect to save around 30-50% on a private plan compared to a Marketplace plan with a similar deductible. Because private plans base rates on a wider set of criteria, healthy individuals aren’t forced to subsidize high-risk pools. This keeps cash in your pocket every single month.

Superior Doctor Access (PPO Networks)

Have you ever been told your doctor “doesn’t take your insurance”? It’s a terrifying feeling when you urgently need care. Marketplace plans often rely on restrictive HMO networks, locking you into a small list of local providers.

In contrast, 90% of all doctors readily accept private plans. With a private PPO network, you generally have nationwide coverage. You can see the specialists you desperately need, wherever you want, without wasting time waiting for a referral.

Unmatched Flexibility and Speed

Government plans strictly lock you into an “Open Enrollment” window. If you miss it, you are entirely out of luck for the year unless you suffer a “Qualifying Life Event.”

With us, you can enroll instantly! Private health insurance is available year-round. You do not have to wait for a specific time of year to buy health insurance now and protect your family

Coverage Solutions for Pre-Existing Conditions

Many people fear leaving the Marketplace due to health history. However, the private market has rapidly evolved. Today, pre-existing conditions are not always a barrier to entry. While a plan might not cover the specific pre-existing condition you already had, it will cover anything new that occurs after enrolling. We can quickly find the right policy so you won’t be turned away.

Comparison shopping.

If you call an insurance carrier directly, their agents are paid to sell you their specific product, whether it is the best fit for you or not. They have a limited menu. At Health Insurance Now, we are not bound to just one carrier. We don’t force specific carriers on you. We work for you, not the insurance companies.

We hold your hand, even after you sign up!

We provide a true “hand-holding” customer experience. From the moment you call our hotline to the moment your policy is issued—and even after your enrollment—we are here to help. We are your advocates in a complicated system.

We Are Cheaper

By rapidly comparing the top 25 carriers, we find rates that single-carrier agents simply can’t match.

We Offer More Coverage

We ensure you get exactly what you need immediately. Pay only for what you require!

We Are Faster

We value your urgent timeline. Our streamlined process gets you covered without the headache.

Our expert brokers have been helping families navigate healthcare for over 25 successful years. As your trusted advisor, we use proprietary software to instantly search over 25 carriers to custom-build policies based on your immediate health and budget needs.