Insurance for One: Individual Insurance and Health Savings Accounts
What you need to know
Frequently Asked Questions

About Health Insurance, Carriers, and Insurance for One

Why do I need health insurance?

I am young and healthy. Why do I need health insurance?

What will happen if I need medical care and I don’t have health insurance?

What is Insurance for One?

Why should I purchase health insurance from Insurance for One?

What health insurance company will provide my health insurance if I purchase it from Insurance for One?

Cost

How much does it cost to get health insurance through Insurance for One?

Can I get a better price for health insurance somewhere else, instead of purchasing it through Insurance for One?

Coverage

I have been covered under my parents’ health insurance. Why do I need my own health insurance?

I am self-employed. Can I get health insurance for myself?

Can I get health insurance for my entire family through Insurance for One?

Can I get health insurance for only one family member?

Can I get health insurance for only a few months?

I am on Medicare, and I need insurance to fill the gaps in Medicare plan coverage. Can Insurance for One help me?

Why do I need health insurance?

Like other insurance, health insurance protects you financially. With health insurance, you protect yourself and your family in case you or a loved one needs medical care, which could be very expensive.

Whether you are married or single, have children or no children, it is important to invest in affordable health insurance. It gives you the peace of mind of knowing you and your loved ones will receive the care you need.
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I am young and healthy. Why do I need health insurance?

Many recent graduates and young adults don't understand why they need health insurance. They view themselves as "healthy," and insurance plans as an unnecessary cost. This is a very dangerous mindset with possibly devastating financial consequences

At no time in our lives are we immune to accident and injury. This is true even when you are young. Sports-related injuries, auto accidents, and illnesses requiring medical attention can happen at any age. As you are starting out in your career, you shouldn’t take the risk of having the burden of a huge hospital bill because you got injured or sick and didn't have health insurance.
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What will happen if I need medical care and I don’t have health insurance?

If you don’t have health insurance, you must pay for your healthcare out of your own pocket at the time of service. Health care can be costly—often many thousands of dollars for a serious illness. A basic health plan helps make sure that, if you or a loved one needs medical care, it does not cause a financial crisis. It also helps assure that you will receive the quality healthcare that you need, when you need it.

It’s impossible to predict your medical bills. Some years, your medical costs may be low. But if you become ill, your bills could be very high. If you have health insurance, many of your costs are covered by the health insurance company (a third party payer), not by you. Get a free, no-obligation quote on health insurance for yourself, your family, or a loved one, and you may be surprised at how affordable it can be.
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What is Insurance for One?

Insurance for One is a convenient, on-line service that enables you to find the health insurance you need at a price you can afford. Through Insurance for One, you will reach licensed health insurance agents who will help you purchase health insurance every step of the way. They will research policies from a variety of companies and identify what seems to be best for you. You then can choose the policy you wish to buy.

Insurance for One makes it easy for you to find the right health insurance. You need health insurance that you can afford, and that’s important to us too. You want choice, and we offer you a selection of policies from many of the top-rated health insurance companies in the U.S.  Sometimes health insurance can be confusing, but our licensed agents will answer all your questions and do our best to get the right insurance for you.
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Why should I purchase health insurance from Insurance for One?

Insurance for One offers you the convenience of obtaining health insurance with the assistance of licensed health insurance agents who personally want to help you find the health insurance you need—the insurance that’s right for you. At Insurance for One, you aren’t just an insurance applicant or a number. We truly want to help you decide on what’s best for your situation.

Because we work with many top-rated health insurance companies, you don’t have to be locked into purchasing health insurance with a single carrier or health insurance company. We do the homework to identify policies that suit your need, regardless of the insurance company. This gives you a broad selection of health insurance policies and companies from which to choose. Meanwhile, our agents will answer all your questions and provide unbiased guidance on which policy to choose.

With Insurance for One, you get convenience plus the peace of mind of working with people who know health insurance. We are eager to make your experience as easy as possible, and we are committed to serving you as a trusted advisor.
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What health insurance company will provide my health insurance if I purchase it from Insurance for One?

Through Insurance for One, you will be able to choose from a wide selection of the top-rated health insurance companies in the nation, as well as from a wide variety of plans. Some of the carriers whose coverage is available through Insurance for One include Anthem Blue Cross & Blue Shield Plans, Golden Rule, Humana, Medical Mutual of Ohio, and Nationwide.
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How much does it cost to get health insurance through Insurance for One?

Aside from the premium payment that you make directly to the health insurance company for your health insurance, there is no cost for the convenience of obtaining health insurance through Insurance for One. Our fees are paid by the insurance companies as commissions that are included in the premium cost.
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Can I get a better price for health insurance somewhere else, instead of purchasing it through Insurance for One?

Every state has a Department of Insurance, which regulates all health insurance rates. As a result, it doesn’t matter if you buy your policy through Insurance for One, from a local agent, or from a health insurance company directly. For the same plan, you will always pay the same monthly premium. 
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I have been covered under my parents’ health insurance. Why do I need my own health insurance?

Recent college graduates usually are not covered by parents’ health insurance after a brief grace period of a few months or so following graduation. It is important to purchase health insurance—even a short-term policy until you are covered under an employer’s plan—in order to protect yourself and your family and make sure you can afford the care you need, at least in case of an accident or serious illness. Get a free quote, and find out how affordable it can be.
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I am self-employed. Can I get health insurance for myself?

Individual health insurance is available—and can be very affordable—for someone who is self-employed, between jobs, or perhaps a recent college graduate.  Take a moment to get a free quote and find out how affordable individual health insurance can be.
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Can I get health insurance for my entire family through Insurance for One?

Health coverage for families is available—and can be very affordable—through Insurance for One. A wide variety of plans, features, options, deductibles, and monthly payments are offered. It is important to protect your family in case of accidents or serious illness, which can be financially devastating if members of your family are not insured. Even if you receive health insurance coverage for yourself from your employer, make sure that other members of your family are covered by affordable health insurance, too. Take a moment to get a free quote and find out what health insurance coverage is available for you and your family.
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Can I get health insurance for only one family member?

Individual health insurance is available—and can be very affordable—for individual members of your family. For example, some parents purchase individual insurance to cover a child or a recent college grad. Some people may receive health insurance coverage for themselves from their employer, but they must purchase affordable health insurance for other members of the family on their own.  Take a moment to get a free quote and find out how affordable individual health insurance can be.
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Can I get health insurance for only a few months?

Short-term health insurance is often a good choice for someone who is just starting a job and needs coverage, or for someone just out of school or in between jobs. It is available through Insurance for One. It is important to protect yourself from accidents or serious illness that happens unexpectedly, even if only for a brief period of time. Please request a free quote, and our licensed agents will help find an affordable policy that’s right you.
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I am on Medicare, and I need insurance to fill the gaps in Medicare plan coverage. Can Insurance for One help me?

Yes. You can purchase affordable Medigap, or supplemental insurance, through Insurance for One. You Medigap policy will help pay for some of the health insurance costs that the original Medicare plan doesn’t cover. You and your spouse must each purchase Medigap policies. Your Medigap policy will not cover your spouse’s healthcare costs. Insurance for One will provide you with a free quote on supplemental health insurance. Just ask us.
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Get a free quote now on affordable health coverage through Insurance for One. There's no obligation.

“When my COBRA insurance ran out, I dreaded having to find insurance. I... figured any insurance policies I could get would be prohibitively expensive. Insurance for One not only "saved the day," but my sanity and pocketbook as well.” (B. Stringer)

 


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