Running Your Arizona Health Insurance Quote

You can receive an instant quote for Arizona Individuals - Families, Small Group and Medicare Supplements to the right..  For other states, you can receive your medical insurance proposal here.  Your instant quote for medical insurance will offer many options from the strongest carriers in Arizona.  There may be too many options so it's important to decide what is first important to you.  You can get your instant health insurance quote to the right or continue below for guidance. 

Key points for before receiving your Arizona instant quote.

Monthly Premium.  This is the most important consideration as the this amount is going out the door whether you use the plan or not.  In today's period of rapid premium inflation, it doesn't always make sense to choose the most expensive medical insurance with the best benefits.  Aim for low cost, comprehensive coverage.  You can find more information here:  Understanding Premium   Catastrophic coverage   Health Savings Accounts     Self-Employed Coverage

Doctor Networks  Most people have preferences for the type of doctor network they want.  Before getting your instant quote, consider the advantages and disadvantages of HMO's PPO's and EPO's.  You can find more detail on the difference here:  Health Insurance Networks

Covering the Catastrophic situation  This is what health insurance is really for.  As rates increase, it makes more sense to thing of health insurance in terms of covering the potential large bill at a lower monthly premium cost.  Before receiving your instant quote, you can find more information here:  Catastrophic coverage    Covering the Large Bills     Health Savings Accounts

Who does catastrophic coverage work for?  As rates increase more quickly each year for full benefit HMO and PPO plans, the catastrophic, high deductible insurance plans will make become even more beneficial.  It works very well for anyone in the 40's, 50's or 60's as premium increases with age.  It also tends to work well with families.  Again, the annualized premium savings vs potential out of pocket is the key comparison to make (read below).   

High Deductible plans  Since the insured person is both paying the premium and receiving the benefits, it usually makes sense to look at a low cost, high deductible PPO plan that is comprehensive.  Compare the annual savings in premium versus the Maximum out of Pocket possibility.  If your savings in premium accounts for a sizable amount the potential out of Pocket maximum, then it might be a good decision.  In a bad year (health wise), it's a wash.  In a good to average year, you stand to save the annual premium difference.  We would be happy to help with this health insurance comparison.   We would be happy to help with this health insurance comparison. 

You can get your Catastrophic health insurance quote for either option here:

Individual - Family Health Insurance          Small Business Health Insurance