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Health Insurance


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Low premiums that fit your unique budget.


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By comparing premiums from different insurance providers, Guardian Insurance is guaranteed to save you $1,600 or more per year! This is because our agents are licensed with all the top insurance providers in the country and will shop around for the best coverage and the lowest premium.

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Frequently Asked Questions

Why do I need health insurance?

Health insurance is essential because it provides financial protection against the high costs of healthcare. It ensures that you have access to necessary medical services and treatments without incurring significant out-of-pocket expenses. It also helps you maintain your physical and financial well-being by covering preventive care, managing chronic conditions, and protecting against unexpected medical emergencies.

How do I choose the right health insurance plan?

Choosing the right health insurance plan depends on several factors, including your budget, health needs, and preferences. Consider factors such as premiums, deductibles, copayments, networks of providers, coverage for prescription medications and specialty services, and out-of-pocket maximums. It's important to carefully review plan documents and compare options to ensure that the plan meets your specific needs.

Can I get health insurance if I have pre-existing conditions?

Yes, under the Affordable Care Act (ACA), health insurance companies are required to cover individuals with pre-existing conditions. It means that you cannot be denied coverage or charged higher premiums based on your health status or medical history. However, it's important to review plan details and understand any waiting periods or limitations related to pre-existing conditions.

What is an open enrollment period?

Open enrollment is a period during which individuals can enroll in or change their health insurance coverage. It usually occurs once a year and allows individuals to sign up for health insurance plans or switch plans outside of the normal enrollment period. It's important to be aware of the open enrollment deadlines to ensure that you have ample time to enroll or make changes to your coverage.

What if I miss the open enrollment period?

If you miss the open enrollment period, you may still be eligible for a special enrollment period (SEP) if you experience a qualifying life event, such as getting married, having a baby, losing coverage, or moving to a new state. You may also be eligible for Medicaid or the Children's Health Insurance Program (CHIP) outside of the open enrollment period. It's important to check with Guardian Insurance or the healthcare marketplace to determine your options.

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What our client's say

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Health Insurance

"Thanks to Guardian Insurance, I was able to find the perfect health insurance coverage. The process of finding the right coverage was made easy and efficient with the agent from Guardian Insurance. I am grateful for their expertise and support in securing the best health insurance plan for me."
Marlene Howard
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Health Insurance

"At 84 years old, having reliable health insurance coverage through a reliable and credible insurance carrier is crucial for me. Guardian Insurance has helped me navigate the complex world of health insurance and find the right plan that meets my unique needs. I am grateful for their dedication and assistance in securing the best health insurance coverage for my age and health condition. It has provided me with peace of mind and financial protection during my golden years."
Charlotte Turner
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Health Insurance

"As a young African American mother with an 8-month-old baby, Guardian Insurance has been invaluable in helping me obtain health insurance coverage for my baby and myself. The process of finding the right coverage was simple and easy with Guardian Insurance. I am grateful for their support in securing a comprehensive health insurance plan that covers my baby's vaccinations, regular check-ups, and any unexpected medical needs. Having access to quality healthcare has given me peace of mind knowing that my baby and I have the necessary coverage to stay healthy and protected."
Jenna Ruiz-Santiago

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