Free Consumer Health Insurance Search Engine is a free health insurance search engine for all US states. Our mission is to help you in your search for your Individual and small group health needs. We are committed to provide you with a simple way in which you are able to get instant on-line insurance quotes from a variety of insurance agents in the comfort of your home. We are not an insurance agent, broker, or carrier.

Ever Changing Entity
Health care in America is an ever-changing entity. Twenty-five years ago, most people in the United States had traditional insurance coverage called indemnity insurance coverage. A person with indemnity insurance could go to any doctor, hospital, or other provider, and the insurance and the patient would each pay part of the bill as defined by the guidelines of the policy.

In todays world of Insurance it is very different. More than half of all Americans who have health insurance are enrolled in some kind of managed care plan, an organized way of both providing services and paying for them. There are many Different types of managed care plans work differently and include preferred provider organizations (PPOs), health maintenance organizations (HMOs), and point-of-service (POS) plans.

The majority of people today understand these terms or at least have probably heard these terms before. What do they mean and what are the differences between them? And what do these differences mean to you? What are your needs for Insurance Coverage?

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