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What Is Health Plan Ninja?
We shop your coverage options, make them easy to understand, and let you decide.
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HealthPlanNinjaCall (985) 381-6893The Ninja knowledge base
Clear answers.
Real help.
Start with the question that sounds like yours. Every guide uses plain language and is reviewed by a licensed insurance agent.
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Start Here
See how free, no-pressure help works.
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How Health Plan Ninja Works
We learn what you need, shop the options, explain the choices, and leave the final decision to you.
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How Much Does Health Plan Ninja Cost?
You pay $0 for our help. There is no shopping fee, consultation fee, or pressure to buy.
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We Make Finding Coverage Easier
Marketplace, off-market, dental, vision, accident, critical illness, hospital indemnity, and life coverage—all made easier.
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One Place to Shop for Coverage
You have choices. Health Plan Ninja helps you find and understand them for free.
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Insurance Words Made Simple
Clear answers without the insurance-language headache.
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What Is Health Insurance?
Health insurance helps protect your health, savings, and family from large covered medical bills.
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What is a Deductible?
A deductible explained with one definition and one simple math example.
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What is Coinsurance?
Coinsurance explained by continuing the same $20,000 medical-bill example used in the deductible guide.
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What is an Out-of-Pocket Maximum?
The out-of-pocket maximum explained by completing the same $20,000 medical-bill example.
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What is a Copay?
A copay explained with three simple examples: a doctor visit, urgent care, and a prescription.
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Help for Real-Life Situations
Lost coverage or dealing with a change? Start here.
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Marketplace and Off-Marketplace Health Plans
We shop Marketplace and off-market options, explain them in plain language, and let you decide.
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Have a Pre-Existing Condition? We Can Help.
Marketplace plans cover pre-existing conditions. We help you find the coverage that fits your needs.
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Extra Protection Explained
Understand what added protection does—and what it does not do.
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What Is Hospital Indemnity Coverage?
Hospital indemnity coverage pays cash directly to you after a covered hospital event.
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What Is Critical Illness Coverage?
Critical illness coverage pays cash directly to you after a covered diagnosis.
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Critical Illness Can Happen to Anyone
More than 1 in 3 Americans will be diagnosed with cancer. Critical illness coverage protects more than your health.
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What Is Accident Coverage?
Accident coverage provides cash directly to you after a covered accident.
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What Is Dental Insurance?
A simple look at Preventive, Basic, and Major dental benefits.
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What Is Vision Insurance?
Vision insurance helps pay for eye exams, glasses, and contact lenses.
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What Is Life Insurance?
Life insurance is for the loved ones you leave behind.
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Useful News and Savings
Current information with a clear reason it matters to you.
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New Ways to Pay Less for GLP-1 Medications
How TrumpRx and Cost Plus Drugs may help consumers find lower cash prices for GLP-1 medications and many other medications.
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