Tell us who needs coverage and what matters to you, whether that's keeping your doctors, covering prescriptions or staying within a budget. A verified health insurance professional will explain the options in plain language.
A verified professional will get in touch.
The names are confusing, but most plans come down to how much choice you get and how much you pay for it. What's offered depends on where you live.
Usually lower premiums. You choose a primary care doctor, stay within the plan's network, and typically need a referral to see a specialist.
More freedom to see doctors in or out of network, generally at a higher cost.
Network-only like an HMO, but often without needing referrals.
A mix of HMO and PPO features, with a primary care doctor and some out-of-network options.
Lower premiums with a higher deductible, which can be paired with a tax-advantaged savings account if you're eligible.
Often cost less but can exclude things regular plans cover, so read what they leave out before you decide.
A low monthly price isn't the whole story. These are the numbers and rules worth comparing.
What you pay each month to keep the plan.
What you pay for most services before the plan starts to pay its share.
Your share of the cost each time you get care, as a flat fee or a percentage.
The most you'd pay in a year for covered care, so it's worth knowing before you need it.
The doctors and hospitals the plan works with. Check yours are in it.
Which medications are covered, and at what cost to you.
Some of these can open a special enrollment window outside the usual period. A professional can tell you what applies to your situation.
Leaving or changing jobs means working out what replaces it.
Without an employer plan, you choose and manage coverage yourself.
Marriage or a new baby changes who needs to be covered.
Plans and prices are tied to where you live.
Young adults can usually stay on a parent's plan until 26, then need their own.
A new price or a changed network is a good moment to compare.
We'd rather connect you with the right provider once than flood your inbox with a dozen you'll never call back.
Premiums, deductibles and networks explained so you can see what each plan would really cost you.
Your doctors, your prescriptions and your budget decide which plan fits, not a one-size-fits-all list.
You get the options and what each would mean for you. Nothing changes unless you choose it.
Who needs coverage and their ages, your ZIP code, any doctors or prescriptions you want to keep, a rough budget, and whether you have coverage now. If you don't have everything, send the request anyway.
You'll get an explanation of the options and what each could mean for your costs. The decision is always yours.
Often, but not always. Certain life events can open a special window. Tell us what's happening and we'll connect you with someone who can explain what applies to you.
Whether you qualify depends on your income, household and state. A professional can explain what to check.
No. A verified professional contacts you, not a list of agents.
No. Namoye is free for you, and you're never obliged to buy.
Send your details and a verified health insurance professional will get in touch. Free, with no obligation.
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