Under 65 Health Plans
Individual and family coverage for people who are not yet eligible for Medicare, including private and Marketplace options.
Understand your options
Health coverage for different stages of life.
Explore the main types of individual and Medicare coverage we can help you compare. Each option serves a different need, so the right starting point depends on your age, eligibility, budget, and preferred care.
Coverage overview
Start with the type of plan you need
Health insurance is easier to evaluate once you know which category applies to you. Below is a practical overview of the five plan types offered through Covered Quotes.
Plan availability, benefits, networks, and costs vary by location and eligibility. A licensed insurance professional can help you check the details before you enroll.
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Medicare Advantage
Private Medicare plans that provide Part A and Part B benefits and may include prescription drug coverage and added services.
Medicare Supplement
Plans designed to help pay certain out-of-pocket costs left by Original Medicare, such as deductibles and coinsurance.
Short-Term Plans
Temporary medical coverage for qualifying gaps between longer-term plans. Benefits and availability vary by state.
ACA / Marketplace
Qualified health plans with essential health benefits and possible premium savings based on household income.
What to compare
Look beyond the monthly premium
A lower premium does not always mean lower overall costs. These four details deserve careful attention.
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Provider network
Check whether your preferred doctors, hospitals, and pharmacies participate.
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Prescription coverage
Review the plan formulary, drug tiers, restrictions, and pharmacy network.
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Out-of-pocket costs
Compare deductibles, copays, coinsurance, and annual spending limits.
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Plan benefits
Understand what is covered, what is excluded, and which rules apply.
Personal guidance
Not sure which plan type applies to you?
You do not need to sort through every option alone. Tell us about your situation and we will help you identify the right place to begin.