Compare health insurance plans for individuals and families
Find individual, family, marketplace, dental, vision, and Medicare coverage from top-rated U.S. carriers in one place. Dean Insurance lines up your options and connects you with licensed agents who can check your subsidy eligibility — one short form, real plans side by side, no obligation.
Enrollment windows matter. Marketplace plans are usually bought during Open Enrollment, but losing coverage, moving, marriage, or a new baby can open a Special Enrollment Period so you can sign up right away. We’ll help you check if you qualify.
Health coverage we compare
Click any plan type to learn how it works, what it costs, and how to get a quote.
Major medical coverage for you and your household, on or off the marketplace, with subsidies if you qualify.
Bronze, Silver, Gold, and Platinum plans with income-based subsidies that can significantly lower your premium.
Medicare Advantage, Supplement (Medigap), and Part D guidance for those turning 65 and beyond.
Standalone dental plans for individuals and families, with options that skip waiting periods.
Coverage for eye exams, glasses, and contacts — affordable on its own or alongside dental.
Temporary coverage to bridge a gap between plans. Lower cost, but limited — not ACA-compliant.
Accident, critical illness, and hospital indemnity plans that pay cash to cover what major medical doesn’t.
Answer a few questions and we’ll point you to the right plan type — and check what you qualify for.
How it works
Three simple steps to compare plans and get covered.
Tell us about your household
Share a few details — who needs coverage, your ZIP code, and an income estimate so we can check for subsidies. About two minutes.
Compare your plans
We line up plans from top-rated carriers and licensed agents — premiums, deductibles, networks, and benefits, side by side.
Enroll with a licensed agent
A licensed agent confirms your eligibility, applies any subsidy, and helps you enroll. No pressure, no obligation.
Find coverage for your situation
Life changes are often what open the door to enroll. Tell us yours and we’ll match you to the right plans.
Left a job or aging off a plan? Losing coverage usually opens a Special Enrollment Period — you can sign up now.
No employer plan? Compare individual marketplace options and see if you qualify for a subsidy.
Cover the whole household and add dental and vision for the kids in one place.
Coming off a parent’s plan? That’s a qualifying event — compare your own coverage before it lapses.
Retired before Medicare age? Bridge the gap with a marketplace or short-term plan until you turn 65.
Approaching Medicare eligibility? Compare Advantage, Supplement, and Part D options for your area.
Offer health benefits to your team — compare small-group plans and see what fits your budget.
Already have medical? Add affordable standalone dental and vision coverage on its own.
Why Dean Insurance for health coverage
An independent marketplace built to make health coverage simple — compare once, check subsidies, get matched.
How much does health insurance cost in 2026?
Premiums depend on your age, location, plan tier, and who’s covered — but here are the typical ranges before any subsidy. These are illustrative averages, not quotes; income-based subsidies can lower marketplace premiums substantially.
| Plan type | Typical monthly cost | Notes |
|---|---|---|
| Vision | $10 – $30 | Standalone plan |
| Dental | $20 – $50 | Individual plan |
| Short-term health | $50 – $150 | Limited; not ACA-compliant |
| Medicare Advantage | $0 – $50 | Plan premium; you still pay Part B |
| Medicare Supplement (Medigap) | $100 – $200 | Plan G / N, varies by area |
| Individual health (pre-subsidy) | $300 – $600 | Benchmark Silver, varies by age |
| Family health (pre-subsidy) | $1,000 – $1,800 | Subsidies can lower this significantly |
💡 Tip: Many households qualify for a premium tax credit that lowers the marketplace price based on income and family size. The only way to know your real cost is to compare with your eligibility applied.
A plain-English guide to health insurance
The main types of health coverage
Most Americans get health coverage one of a few ways: through an employer, through the ACA marketplace (individual and family plans), through Medicare (age 65+ and certain disabilities), or through Medicaid (income-based). If you don’t have an employer plan, the marketplace is usually where you’ll shop — and that’s where subsidies live.
How marketplace plans and subsidies work
Marketplace plans come in metal tiers — Bronze, Silver, Gold, and Platinum. Bronze has the lowest premium and highest out-of-pocket costs; Platinum is the reverse. Many households qualify for a premium tax credit based on income and family size, which lowers the monthly premium. Some also qualify for cost-sharing reductions on Silver plans that lower deductibles and copays. A licensed agent can apply your eligibility so you see your real price, not the sticker price.
When can you enroll?
Marketplace coverage is usually purchased during Open Enrollment (typically late fall). Outside that window, a Special Enrollment Period opens after a qualifying life event — losing other coverage, moving, getting married, having a baby, or turning 26 and aging off a parent’s plan. If one applies to you, you can enroll right away.
The numbers that matter
- ✓Premium — what you pay each month for the plan.
- ✓Deductible — what you pay before the plan starts sharing costs.
- ✓Copay / coinsurance — your share of a visit or service.
- ✓Out-of-pocket maximum — the most you’ll pay in a year; the plan covers 100% after that.
- ✓Network — the doctors and hospitals covered. Check that yours are in-network.
Dental and vision are usually separate
Most major medical plans don’t include adult dental or vision, so people buy those as standalone plans. They’re inexpensive and easy to add — see our dental and vision pages.
A quick word on Medicare
If you’re turning 65, Medicare has its own parts — Part A (hospital), Part B (medical), Part C / Medicare Advantage (an all-in-one alternative), and Part D (drugs) — plus Medigap supplements that fill the gaps in Original Medicare. It’s a different system with its own enrollment rules, so we’ve put the details on our Medicare page.
Medicare disclaimer: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
How Dean Insurance helps
We’re an independent marketplace, so we shop multiple carriers instead of selling one company’s plans. You answer a few questions once; we match you with the carriers and licensed agents best suited to your situation, and check whether you qualify for a subsidy. The agents and carriers you connect with are licensed and authorized to sell in your state — they handle the advice, enrollment, and paperwork. Using Dean Insurance is free; we’re paid by our partners only when you enroll, and your information is never sold to unrelated third parties. See our Privacy Policy for details.
What our customers say
Real people who compared and got covered with Dean Insurance.
“I left my job and panicked about losing health coverage. Turned out I qualified for a subsidy I had no idea about — my premium ended up lower than my old payroll deduction.”— [PLACEHOLDER] Renee F., Sacramento, CA
“As a freelancer I’d been guessing at plans for years. The agent compared Silver options side by side and explained the deductible in plain English. Finally made sense.”— [PLACEHOLDER] Omar H., Houston, TX
“Added dental and vision for the kids in about five minutes. Simple, cheap, and done without a single sales call I didn’t ask for.”— [PLACEHOLDER] Beth A., Minneapolis, MN
Health insurance FAQs
The answers shoppers ask for most.
When can I enroll in a health plan?
Marketplace plans are usually bought during Open Enrollment in late fall. Outside that, a Special Enrollment Period opens after a qualifying event — losing coverage, moving, marriage, a new baby, or turning 26. We’ll help you check if one applies.
How do subsidies work?
Many households qualify for a premium tax credit based on income and family size, which lowers the monthly marketplace premium. Some also qualify for lower deductibles on Silver plans. A licensed agent applies your eligibility so you see your real price.
Are pre-existing conditions covered?
Yes. ACA-compliant marketplace plans cannot deny you or charge more for pre-existing conditions. (Short-term plans are an exception — they aren’t ACA-compliant and may exclude them.)
Is dental and vision included?
Usually not for adults. Most medical plans don’t include dental or vision, so people add affordable standalone dental and vision plans.
What’s a short-term health plan?
Temporary coverage to bridge a gap between plans. It’s cheaper but limited — not ACA-compliant, and it may exclude pre-existing conditions and essential benefits. Useful as a stopgap, not a long-term plan.
What about Medicare?
If you’re turning 65, Medicare has its own parts and rules. See our Medicare page for Advantage, Supplement, and Part D options. We do not offer every plan available in your area; for all options, contact Medicare.gov or 1-800-MEDICARE.
Will I get spam calls?
No. We share your details only with the agents and carriers needed to prepare your quotes, and you’ll only be contacted about the request you submitted. You can opt out at any time.
How do I get started?
Click Get my free quote, tell us about your household, and compare your plans. It takes about two minutes and there’s no obligation.
Find a plan that fits
Compare health insurance plans from top-rated carriers in minutes — with any subsidy you qualify for applied. Free, no obligation.
Get my free quote100% free • No obligation • Subsidies may apply