health insurance company regulations vary.  A health insurance company can set their own terms and conditions, but they are governed by state and federal law.

Most health insurance companies offer multiple policy types.  Use each health insurance companies web site to learn more about them.

When you've identified a few health insurance companies you think you might like to deal with, then go into more detail.  Fill in their online quote forms.  Check the small-print of their policies.  Search the internet for reviews on each health insurance company.

As an example of individual state regulation, here's an example from California.

A health insurance company must offer you cover in certain circumstances.  If you're federally eligible, a health insurance company can still turn you down for certain plans, but must offer you a choice of two of the individual health insurance plans they sell.

See our partner links for more health insurance company information