There are basically three ways to accomplish this with us. First, when you apply for health insurance online, information is input into the computer system to determine the street rate. The street rate is the floor or lowest level within a rate band in which an individual can be charged. After the street rate is determined certain indicators such as health status, height, weight, age, and geography are added consequently the insurer can legally charge up to 186% of the upper end of the rate band. These systems normally used online will surcharge or rate you up to the ceiling of the legal limit by defaulting on purpose to demonstrate to underwriters that you are willing to pay the maximum amount of money for issuing and placement of a policy. It is the same principal of the “he who has the gold makes the rules”, however in addition to that once you go through the approval process most likely there will be other expenses and you will receive a counter offer asking you to pay more once again. With our proprietary system quotes are generated using the floor of the lower band. The second method of receiving discounted reduced premium rates can happen if an applicant purchasing health insurance meets criteria entitling him or her to savings by special situations or exceptional circumstances which is discussed in detail within this link. Finally, the third method of discounting rates is actually a surprise to most of the public in which consumers are quoted only on what they need or want. Let us explain, when you receive quotes from other quoting engines or if you speak to other insurance agents not utilizing the Health Insurance Buyer patented system in most cases you are paying extra for optional riders as an add on such as Accidental Death and Dismemberment, Accident Plans, Critical Illness, Term Life Insurance and many more additions just to name a few. Our patented system does not allow insurance agents to quote you on those extras unless you specifically ask for and request additional coverage. The reason other websites and quoting engines or agents automatically add these by default is to earn more commission however in most cases you don’t really need it.    

The only price regulation at present is the amount insurers can charge on renewable premium increases at policy anniversary date.  

Health-insurance-buyer.com only contracts with major medical insurers such as Blue Cross Blue Shield, United Health Care, Humana, and Aetna just to name a few of the companies we can provide you with a reduced discounted premium rate quote. There is no catch and you are under no obligation to purchase a plan, however we encourage you to at least receive a quote from us so you can compare for yourself.

During the application process with the United States Patent Office officers investigating our proprietary system discovered an accuracy rate of 99.9% which is considered remarkable considering the innovation and possible widespread deployment of it.

There is always a possibility for an underwriter to circumvent from the quoted rate with a counteroffer based on medical history, however the baseline used for any surcharge will be the discounted reduced rate not the normal or usual rate.

With our patented proprietary information technology the initial quote you will receive is retrieved without implementing community rating principles and in addition you maybe subject to further entitlement of a reduced discounted premium rate through special situations or exceptional circumstances. If you do receive a counter offer from an underwriter they will use these rates as the baseline not the usual or normal monthly prices. .

The discounted rate or reduced monthly premium will at the very least be for an initial 12 month rate guarantee.

Once you get approved for a health insurance plan you will be provided and honored with an initial 12 month rate guarantee which cannot legally be subject to change. After your initial 12 month rate guarantee insurance companies by law cannot raise your premium by more than 15%, however if at policy anniversary date your premium increases it will be from the reduced discounted premium rate not the usual or normal rate.

The algorithm will quote based on the lowest level of the rate band and if certain data elements are entered and meet the criteria for special situations or exceptional circumstances then all parameters will subtract pricing cumulatively so it is possible to receive a discounted reduced premium rate by a very wide margin in contrast to the normal or usual price used online on other websites.  

Certain qualifying events such as divorce, loss of employment, death of a spouse or dependant, reduction in wages and earnings are some of the eligibility criteria regarding qualifications for discounted premium rates in lieu of special situations. As far as exceptional circumstances particular attention is especially made for reducing or discounting premium rates for selected occupations, self employed, small businesses, religious entities, non-profit organizations, association groups, educational scholars including students, as well as former Medicare and Medicaid recipients.

We only need identifiable sensitive personal information in the case you wish to formally apply and pursue the application process for obtaining or purchasing health insurance. Our patented technology was created for calculating actuarial estimations  based on basic data inputs such as medical condition, prescription medication usage, geography, demographics, occupation, income, and certain lifestyle questions, of course the criterions would have to be verified if an applicant is applying for coverage which is standard in the industry.

We actually encourage you to receive quotes from other popular sites that use the normal or usual quoting engine so you can compare the difference and see for yourself how much you will be saving with health-insurance-buyer.com.

Absolutely, if you meet certain criteria making you eligible for the discounted reduced rate you can have the same plan for less.

Yes, health-insurance-buyer.com also provides specialty coverage for benefits regarding maternity, tubal ligation reversal, in vitro fertilization, as well as bariatric surgery such as Lap Band or Gastric Bypass to name a few examples.

Absolutely not.  

Heath-insurance-buyer.com utilizes its own patented and proprietary information technology. If you would like to use the same quoting software please contact us to discuss license agreements.