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Why Buy Online

Buying health insurance is an important decision for anyone to make

Before jumping into the purchase of any health insurance plan, it is important to know that the coverage you are buying will be there when you need it most. That is why we have developed the HI4.com network of websites - each designed to help people in different situations make the right decision for themselves when purchasing health insurance. We are the online home of Garity Associates, a company devoted to the specialty health insurance market since 1970. We're using our 30+years of experience in this market to provide you with the the information, education and security you need to make your online experience as safe - if not safer - than buying through any offline source.

The site is designed to put the answers in your hands at the click of a mouse. For example:

  • Browse through each Health Insurance Product to review important coverage highlights and policy details.

  • If you need more help, just click one of our convenient Help Tools to learn more about different insurance products, definitions, and reasons to buy.

  • After reviewing the site... if you are still not sure you have all the information you need - CALL or EMAIL HI4.com Customer Service and get your questions answered.

  • Once you have identified the plan that best fits your unique circumstance, you can access Quote & Buy Tools for every plan offered through the HI4.com site.

This is the area we typically exceed the expectations of most of our customers. Rate Quotes and Plan Enrollment can be processed online with IMMEDIATE RESULTS!  It is what we call:

Insurer Direct Linking

Many insurance sites do not offer this REAL-TIME response to your request for quotes and enrollment forms. HI4.com has created a direct link between you and our insurance carrier partners to provide you with fast and accurate rate quoting and secure online enrollment.

You benefit by receiving:

  •  Up to date rate quotes in seconds

  •  Complete confidentiality

  •  Secure credit card processing

  •   No delays in application processing

The best news is that working with HI4.com carries no additional cost to you. We pass on the lowest rates offered by our insurance partners - ensuring you get the best plan at the best price to meet your needs.


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Customer Service Assistance is Available from 9:00am-5:00 pm Eastern Standard Time
US Calls: 1-877-982-5200 | International Calls: 1-781-982-5200 |

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