Health Coverage
Made Simple.
Enter your ZIP code to explore medical insurance options and networks available near you—all in minutes.
Current Location
New York
Enter your ZIP code to explore medical insurance options and networks available near you—all in minutes.
Finding the right health coverage doesn't have to be complicated. Our streamlined process gets you quotes in minutes.
Start by entering your ZIP code above. We'll identify the health plans available in your area and tailor results to your location.
Tell us about your household size, estimated income, and coverage preferences so we can find plans that fit your needs and budget.
Review personalized quotes, check if you qualify for subsidies, and compare deductibles, copays, and networks to find your ideal plan.
Health insurance is one of the most important financial decisions you'll make, yet plan options and pricing can vary dramatically—even for the same coverage level. Two silver plans in your area might differ by hundreds of dollars per month.
Beyond premiums, you need to consider deductibles, out-of-pocket maximums, and whether your preferred doctors and hospitals are in-network. Many people also qualify for subsidies that can significantly reduce their monthly costs.
With Credit Haven, comparing is fast, free, and comes with zero obligation. See what options are available to you—you might be surprised by what you find.
Start Comparing Now
There are several ways to shop for health insurance. Here's how they stack up.
Healthcare.gov or your state exchange offers subsidized plans during open enrollment. Best for individuals and families seeking comprehensive coverage with potential tax credits.
Best for: Subsidized CoverageMany employers offer group health plans with shared premium costs. Often the most affordable option since employers typically pay 70-80% of premiums.
Best for: Lowest PremiumsBuy directly from insurance companies for off-marketplace plans. Good option if you don't qualify for subsidies or need coverage outside open enrollment.
Best for: FlexibilityLicensed brokers can help navigate options and explain plan differences. Especially helpful for self-employed individuals or those with complex health needs.
Best for: Personalized GuidanceReal feedback from people who found better health coverage through Credit Haven.
"I had no idea I qualified for a $400/month subsidy until I compared plans. My premium went from $650 to $250 for better coverage than I had before."
"As a freelancer, finding affordable health insurance felt impossible. Comparing plans showed me an HSA-eligible option that saves me money while building a health fund."
"My doctor wasn't covered by the cheapest plan. By comparing networks, I found an affordable PPO that includes all my specialists. Worth every penny."
Gather this information before you start comparing to get the most accurate quotes.
Health plans and pricing vary by location, so your ZIP code determines which plans are available to you.
The number of people in your household affects subsidy eligibility and the type of plan you'll need.
Your household income determines if you qualify for premium tax credits and cost-sharing reductions.
List your prescriptions to ensure any plan you choose covers them at an affordable cost.
If your household income is between 100% and 400% of the federal poverty level, you likely qualify for premium tax credits. Many people earning up to $60,000 (single) or $120,000 (family of 4) receive significant help. Don't assume you won't qualify—always check.
High-deductible health plans (HDHPs) have lower premiums and let you open a Health Savings Account. HSA contributions are tax-deductible, grow tax-free, and can be withdrawn tax-free for medical expenses. It's triple tax-advantaged—great for healthy individuals who want to save.
A low-premium plan might have a $7,000 deductible, meaning you pay that much before insurance kicks in. Calculate your likely total costs: premiums + deductible + copays + coinsurance. For frequent healthcare users, a higher-premium plan often costs less overall.
Before enrolling, search each plan's provider directory for your doctors, specialists, and preferred hospitals. Out-of-network care can cost 2-3x more or may not be covered at all. This is especially important with HMO and EPO plans that don't cover out-of-network care.
The ACA open enrollment period (typically November 1 - January 15) offers the most plan options and guaranteed coverage regardless of health status. Outside this window, you'll need a qualifying life event (job loss, marriage, new baby) to enroll in marketplace plans.
Plans have different formularies (lists of covered drugs) and tiers that affect your costs. A plan might be cheap but charge $200/month for your medication. Use each plan's drug lookup tool to compare costs for your specific prescriptions.
Health insurance comes in different types. Here's what each plan type offers.
How it works: You choose a primary care physician (PCP) who coordinates your care. Referrals are required to see specialists.
Network: Must use in-network providers except for emergencies. No coverage for out-of-network care.
Cost: Typically the lowest premiums and out-of-pocket costs.
Best for: People who want lower costs and don't mind getting referrals. Good if your preferred doctors are in the HMO network.
How it works: No PCP required. You can see any doctor or specialist without a referral.
Network: You get lower costs with in-network providers but can still use out-of-network doctors at higher cost.
Cost: Higher premiums than HMOs, but more flexibility.
Best for: People who want freedom to choose providers, see specialists without referrals, or need out-of-network coverage.
How it works: Like a PPO, you don't need referrals to see specialists.
Network: Like an HMO, you must stay in-network (except emergencies). No out-of-network coverage.
Cost: Usually less expensive than PPOs but more than HMOs.
Best for: People who want specialist access without referrals but are comfortable staying in-network.
How it works: You pay a higher deductible before insurance coverage begins. Often paired with a Health Savings Account (HSA).
2024 minimums: $1,600 deductible (individual) or $3,200 (family). Max out-of-pocket: $8,050 (individual) or $16,100 (family).
Cost: Lowest monthly premiums. You pay more when you need care until you hit the deductible.
Best for: Healthy individuals who rarely need care and want to save via HSA. Great for building long-term health savings.
Bronze: Lowest premiums, highest deductibles. Plan pays ~60% of costs on average. Best for healthy people who mainly want catastrophic coverage.
Silver: Moderate premiums and deductibles. Plan pays ~70%. Most popular tier—also qualifies for cost-sharing reductions if income-eligible.
Gold: Higher premiums, lower deductibles. Plan pays ~80%. Good for those with regular medical needs.
Platinum: Highest premiums, lowest out-of-pocket costs. Plan pays ~90%. Best for frequent healthcare users or those with chronic conditions.
Understanding these terms will help you compare plans and choose the right coverage.
The monthly amount you pay for your health insurance coverage, regardless of whether you use medical services. Due every month to keep your plan active.
The amount you pay out-of-pocket for covered services before your insurance starts paying. A $2,000 deductible means you pay the first $2,000 of care each year.
A fixed amount you pay for a covered service, like $25 for a doctor visit or $15 for a prescription. Copays often apply even before meeting your deductible.
Your share of costs after meeting your deductible, expressed as a percentage. With 20% coinsurance, you pay $200 of a $1,000 bill; insurance pays $800.
The most you'll pay for covered services in a year. After reaching this limit, insurance covers 100%. Includes deductibles, copays, and coinsurance.
The doctors, hospitals, and facilities that have contracted with your insurance plan. Using in-network providers costs significantly less than out-of-network care.
Credit Haven partners with leading health insurers to bring you competitive options.
Consistently earns top NCQA ratings. Integrated healthcare system with its own doctors and hospitals. Known for preventive care focus and digital tools.
Available in all 50 states with the largest provider network nationwide. Multiple regional companies offer varied plan options and competitive pricing.
Largest health insurer in the U.S. by membership. Extensive network, strong digital health tools, and wide variety of plan types.
Known for global coverage and behavioral health resources. Strong customer service ratings and comprehensive wellness programs.
Part of CVS Health, offering integrated pharmacy benefits. Popular for PPO plans with broad networks and MinuteClinic access.
Strong in Medicare Advantage and prescription drug plans. Growing presence in ACA marketplace with competitive individual and family plans.
Insurance companies consider several factors when calculating your premium. Understanding these can help you find ways to save.
Under ACA rules, insurers can charge older adults up to 3 times more than younger enrollees. A 64-year-old may pay nearly triple what a 21-year-old pays for the same plan.
Healthcare costs and plan availability vary significantly by region. Rural areas often have fewer plan options and potentially higher costs due to limited provider competition.
Bronze plans have lower premiums but higher deductibles. Platinum plans cost more monthly but cover more when you need care. HMOs typically cost less than PPOs for similar coverage levels.
Under ACA rules, insurers can charge tobacco users up to 50% more than non-users. Some states prohibit this surcharge. Quitting tobacco can significantly lower your premiums.
Family plans cost more than individual plans, but the per-person cost often decreases as you add more family members. Children under 21 are charged the same rate regardless of age.
Note: Under the ACA, insurers cannot charge more based on health status, gender, or pre-existing conditions.
Monthly premiums for individuals (2024 national averages, before subsidies)
Many qualify for significant premium reductions based on household income
*Subsidy amounts are estimates based on Silver plan benchmarks. Actual subsidies vary by location, age, and income.
Open enrollment is the annual period when you can sign up for or change your health insurance plan through the ACA marketplace. For 2024 coverage, it typically runs from November 1 to January 15. Outside this window, you can only enroll if you have a qualifying life event like losing other coverage, getting married, having a baby, or moving to a new area.
You may qualify for premium tax credits if your household income is between 100% and 400% of the federal poverty level and you're not eligible for Medicare or affordable employer coverage. For 2024, this means roughly $14,580-$58,320 for an individual or $30,000-$120,000 for a family of four. Many people with higher incomes also qualify due to recent policy changes. Use our comparison tool to check your eligibility.
Neither is universally better—it depends on your needs. Choose an HMO if you want lower costs, have doctors you like in the network, and don't mind getting referrals for specialists. Choose a PPO if you want flexibility to see any doctor, need access to out-of-network specialists, or travel frequently and want coverage anywhere. PPOs cost more but offer greater freedom.
If you miss open enrollment, you'll need a Special Enrollment Period (SEP) triggered by a qualifying life event. This includes losing health coverage, moving, getting married or divorced, having a baby, or turning 26 and losing parent coverage. You typically have 60 days from the event to enroll. Without a qualifying event, you may need to wait until the next open enrollment or consider short-term health insurance.
Yes. Under the Affordable Care Act, health insurers cannot deny coverage or charge more based on pre-existing conditions. This includes chronic illnesses like diabetes, cancer history, pregnancy, mental health conditions, and any other health issues. All ACA-compliant plans must cover treatment for pre-existing conditions starting from day one of coverage.
Each insurance plan has a provider directory on their website where you can search for in-network doctors, specialists, and hospitals. Before enrolling, look up your current doctors by name to confirm they're in-network. You can also call your doctor's office directly and ask which insurance plans they accept. Provider networks can change, so verify before each plan year.
A qualifying life event (QLE) is a change in your life that lets you enroll in health insurance outside open enrollment. Common QLEs include: losing health coverage (job loss, aging off parent's plan), moving to a new state or coverage area, getting married or divorced, having or adopting a baby, household income changes affecting subsidy eligibility, and becoming a U.S. citizen. Each QLE gives you a limited window (usually 60 days) to enroll.
An HSA is a tax-advantaged savings account for medical expenses, available only if you have a high-deductible health plan (HDHP). Contributions are tax-deductible, the money grows tax-free, and withdrawals for qualified medical expenses are tax-free. For 2024, you can contribute up to $4,150 (individual) or $8,300 (family). Unlike FSAs, HSA funds roll over year to year and can be invested for long-term growth.
