Frequently asked questions

No. EZ Health Quotes is an educational website and referral directory. We explain how individual, family, business, Medicare and related health coverage works and connect you with independent licensed agents — we don't sell insurance or decide your coverage for you.

It depends on your age, household size, income, state and the plan you choose, so we don't quote premiums or subsidy amounts on this site. A licensed agent can run an actual quote and check your eligibility for a premium tax credit.

Individual health insurance covers one person, while a family plan covers a spouse and/or dependents on one policy — family plans typically cost more in total but can be simpler to manage than separate individual policies.

Only employers with 50 or more full-time-equivalent employees are required under the ACA to offer coverage; smaller businesses can still offer group or level-funded plans voluntarily to attract and keep employees.

Yes. Self-employed people and 1099 contractors can buy an ACA Marketplace plan or an off-exchange individual plan, and may be able to deduct premiums as a business expense — a licensed agent can walk through the options.

Most people should enroll during their Initial Enrollment Period around their 65th birthday to avoid a late penalty; a licensed Medicare agent can explain how Medicare Advantage and Medicare Supplement plans differ.

Licensed agents can list for free, or reserve priority placement or an exclusive territory — a ZIP code, a state, or the whole country — so shoppers who ask for help in that area are connected to them.