RichDayHealthPlans

Am I obligated to buy if I get a quote from you?

You are under NO obligation to purchase any plans. We can go through the quoting procedure, the education process, and the applicaton process, and you may decide, for whatever reason, that you don't want to proceed.
Typically, the insurance company will request a credit card for the first month's premium. Subsequent monthly premiums will be debited from your checking account. If you provide this information and the insurance company provides a rate that is substantially higher than you expected, you can get you money refunded. If you don't want the company to debit your checking account, you can pay for your health benefits quarterly. Blue Cross Blue Shield will bill you monthly...they are the exception.
In rare cases, the insurance company denys coverage to you for some reason, usually health problems. Even after you have given this information to the insurance company, you may decide that you don't want to proceed further. Your money will be refunded.
Blue Cross Blue Shield has a Blue Advantage plan. With this plan, we can insure anyone regardless of their health history. This is a guaranteed issue plan. Of course, if you have a troubled history, the premium will be high to reflect the risk to Blue Cross and Blue Shield.
Some companies will charge an unrefundable application fee. This is usually in the range of $20 to $50 for a final application. This is not paid the RichDayHealthPlans. We don't charge for our services.