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About Health Insurance Now: Your Dedicated Health Enrollment Agency

For over 25 years, Health Insurance Now has served as a premier Health Enrollment Agency, helping individuals and families nationwide navigate the often-confusing world of healthcare coverage. We believe that when life changes, your health coverage shouldn’t disappear or become a financial burden. Our mission is simple: to help you secure meaningful protection at a price that works for your specific situation.

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  • Licensed Agents
  • Coverage in 24 Hours
  • 25+ Years Experience

Our Methodology: Technology Meets Human Expertise

What sets us apart is our unique blend of proprietary matching technology and real human support. We recognize that there isn’t a “one-size-fits-all” structure that works for everyone. Instead of forcing you into a standardized plan, we use our software to search over 25 different carriers (or whatever is available in your specific state) to custom-build policies based on your health needs and affordability.

We prioritize speed and simplicity. When you contact us, you won’t be met by bots or confusing online portals. Instead, you speak with a licensed specialist who can provide a custom quote in just 5 minutes over the phone. Our streamlined enrollment process is designed to get you covered quickly—often with coverage beginning in as little as 24 hours.

Smart Matching

Proprietary tech searches 25+ carriers

Human Support

Real licensed specialists, not bots

5-Minute Quotes

Fast, personalized over the phone

24-Hour Coverage

Protection starts within a day

Why Choose a Broker Over a Carrier?

A common question we hear is: “Why use your service instead of going straight to an insurance carrier?” The answer lies in unbiased comparison shopping.
  • No Captivity
We are not captive to any single carrier; we work for you, not the insurance company.
  • Wider Selection
If you call a carrier directly, their agents are only permitted to sell you their specific products. At Health Insurance Now, we compare the top 25 most affordable carriers to find rates that single-carrier agents simply cannot match.
  • Customization
We ensure you pay only for what you need and nothing you don’t. By shopping the entire market, we find the best fit for your means and medical requirements, rather than just selling you the “plan of the month” from a single provider.

Our Core Specialties

We specialize in a broad spectrum of health insurance solutions, ensuring we have a bridge for every gap:

1. Private Health Insurance & PPO Networks

We provide access to Private Health Insurance plans that are often 30% to 50% cheaper than Marketplace (ACA) plans for those who do not receive government subsidies.

One of the greatest advantages of our private options is superior doctor access. While many Marketplace plans rely on narrow HMO networks that restrict you to a small list of local providers, our private plans often feature nationwide PPO networks. This means you can see the specialists you want, anywhere in the country, generally without needing a referral to get in the door. Furthermore, you can enroll anytime; you do not have to wait for an “Open Enrollment” window or a “Qualifying Life Event” to protect your family.

2. Short Term Medical Plans

Life is full of transitions, and Short Term Health Insurance provides an inexpensive, flexible bridge when you need it most. These plans are ideal for individuals between jobs, recent graduates, or those waiting for employer benefits to begin. Short term plans offer:
  • Year-round enrollment with no open enrollment delays.
  • Flexible durations, with coverage available for a few months or up to 36 months in many states.
  • Lower premiums, often 30–50% less than unsubsidized Marketplace coverage. While these plans are not ACA-compliant and generally do not cover pre-existing conditions, they provide essential financial protection against new, unexpected illnesses or injuries

3. Solutions for the Self-Employed

As a freelancer, contractor, or small business owner, your income depends on your ability to work. We specialize in Self-Employed health insurance that protects both your health and your income.
Because independent professionals don’t have an HR department, we act as your personal benefits team. We help you structure plans that include Private PPO Network options.

4. COBRA Alternatives

Losing employer coverage can be overwhelming, and many people default to COBRA because they assume it is their only option. However, COBRA premiums are often shockingly high because you are suddenly responsible for 100% of the premium plus administrative fees.

We help families compare COBRA to alternative private plans that can cost 30–60% less. Before you commit to paying thousands per month for continuation coverage, we provide a free COBRA comparison to see if a private PPO Network or short-term plan makes more financial sense for your budget.

Beyond the Enrollment: Your Long-Term Advocate

At Health Insurance Now, our relationship with you doesn’t end when you sign the paperwork. We provide a true “hand-holding” customer experience. Whether you have billing questions, need coverage clarification, or require assistance with a claim, our licensed agents remain by your side as your dedicated advocate.

Medical debt is a leading cause of financial hardship in America, with a single three-day hospital stay potentially exceeding $30,000. The risk of waiting is simply too high. Let us use our 25 years of experience and proprietary technology to build the safety net you and your family deserve.

Ready to save on health insurance? Call our hotline today and get a custom quote in 5 minutes. We are available nationwide and ready to help you find the best coverage for your needs and means.

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