A personal health insurance quote is a free non binding way to price different types of insurance plans. There are many reasons a person might need a personal health insurance quote. I will outline what I think are the top 3 reasons to get a personal health insurance quote.
Price Comparison - Just like any other business, insurance companies must be competitive in order to stay in business. A smart consumer can take advantage of this by getting a free quote. Just like we shop around for savings on everything from long distance service to car insurance, we should also not be afraid to shop around for savings on health insurance by getting an insurance quote. There are a few things to consider when doing this. Like making sure that any pre-existing conditions you have will be covered if you switch. Getting a free quote doesn't mean that you have to switch though, there is no harm in just doing a little window shopping.
Job Loss - Losing your job is one of the most traumatic experiences a person can go through. Along with the loss of income comes the loss of health coverage for you and your family. The majority of bankruptcies come from unexpected health issues. So getting a quote is definitely necessary in this situation. While you might not get the coverage you had through your employer, you can certainly find an adequate health plan to fill the gap until you are back at work.
Job Change - One of the dilemmas that comes with changing jobs is the loss of your employer health plan. There is often a waiting period before you are eligible for a plan through your new employer. There is the option to "COBRA" your current plan, but this is quite expensive. this is where a personal health insurance quote can help. you might find that getting a personal health insurance quote could save you a lot of money.