Health Insurance Plans Reviews

Best Health Insurance Plans of 2025

We've analyzed the best Health Insurance Plans to help you find the right solution for your needs.

2025 Health Insurance Plan Reviews

Where Can You Find the Best Health Insurance?  About half of Americans have health insurance from their employer. But there are lots of small businesses, independent contractors, and freelancers who don't get insurance from an employer. Maybe you are an influencer who now makes money as a YouTuber - how can you navigate the complicated world of health insurance coverage? From small business owners to hoping-to-trend influencers, everyone wants to feel the security of help with costs if they have a medical situation.

5.0

EXCELLENT

1

Best Option

  • Helping people find insurance since 1999
  • Quote finder is easy to use
  • Get multiple quotes without giving out your contact information

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EXCELLENT

5.0

On the Health Insurance.org website

4.5

GREAT

2

Great

  • Easy-to-navigate website
  • Offers customized solutions for contractors
  • Your information stays with them

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GREAT

4.5

On the Stride Health website

4.0

VERY GOOD

3

Very Good

  • More than 18 million people have shopped here
  • Easy-to-use online platform
  • No personal data needed for a quote

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VERY GOOD

4.0

On the Healthcare Marketplace website

3.5

GOOD

4

Good

  • More than 7 million policy enrollments since 2010
  • Available to residents of all 50 states and DC
  • Policies available from 200+ carriers

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GOOD

3.5

On the Health Markets website

3.0

AVERAGE

5

Average

  • Available health insurance includes ACA/Obamacare, business, Medicare Supplement/Advantage, Short-Term, Healthcare Sharing, and Dental
  • Insurers include United Healthcare, Cigna, BCBS, OneShare, National General, and Mutual of Omaha
  • Licensed in 45 states (exceptions are Hawaii, Minnesota, New York, Oregon, and Rhode Island)

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AVERAGE

3.0

On the New Plan Options website

2.0

SUBPAR

6

Subpar

  • Offers a wide range of insurance products
  • Provides a good work environment for employees
  • ACA and short-term health coverage available

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SUBPAR

2.0

On the HealthInsurance.com website

1.5

WEAK

7

Weak

  • Quick access to quotes of plans matching your needs
  • Complete the process online or over the phone
  • Choose from more than 10,000 health insurance plans from 180+ companies

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WEAK

1.5

On the eHealth website

1.4

WEAK

8

Weak

  • Get quotes for health, auto, home, or life insurance
  • Will connect you with lots of companies and agents

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WEAK

1.4

On the Insurance Quotes website

1.0

POOR

9

Poor

  • Offers quotes only after personal information is captured
  • Website looks professional
  • Quotes come from major healthcare providers

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POOR

1.0

On the Find Health Insurance Coverage website

0.9

POOR

10

Poor

  • Founded in 2014
  • Connect with multiple insurance partners and agents

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POOR

0.9

On the First Quote Health website

Continued from above...

Where Can You Find the Best Health Insurance?

About half of Americans have health insurance from their employer. But there are lots of small businesses, independent contractors, and freelancers who don't get insurance from an employer. Maybe you are an influencer who now makes money as a YouTuber - how can you navigate the complicated world of health insurance coverage? From small business owners to hoping-to-trend influencers, everyone wants to feel the security of help with costs if they have a medical situation.

The good news is that you have coverage options that might come with a tax credit that can be used to reduce your monthly premiums if you need to find health insurance on your own. These plans are funded through the government, and if you've ever tried to navigate a government website or program, it can be time-consuming and confusing. And that's a best-case scenario.

Fortunately, there's good news on that front. There are a number of health insurance platforms that can help you sort through your options and get coverage. You won't pay extra for using one of these resources, and you'll often get the benefit of knowledgeable guidance from a licensed insurance agent. If you don't understand the difference between PPOs and HMOs or between deductibles and coinsurance, you should make sure you have an expert on hand to walk you through the process of picking a plan.

However, not all of these companies are made equal. While some do exactly what they say they will, others are fronts disguising lead-generating agencies. They get paid to collect your personal information, which is then sold to anyone with the cash - marketing companies, other insurance agents, health insurance providers, and who knows who else.

How can you tell which health insurance websites are legitimate? Consider the following criteria when deciding where to begin your coverage shopping:

To help you get the medical coverage you need, Top Consumer Reviews has evaluated and ranked the best resources for finding health insurance plans. We're confident that this information will make it easy to navigate the often-tricky world of healthcare and buy the right plan for your needs.

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Health Insurance Plan FAQ

What is health insurance?
Health insurance helps you manage the costs of your health care, from annual wellness checkups to major medical needs like surgery or cancer treatments. You pay a monthly premium to the insurance company, in addition to any co-pays or annual deductibles that need to be met.
What is covered by health insurance?
That depends on the insurer and the specific plan. Most policies include regular checkups and basic office visits, hospital stays (including visits to the ER), and maternity care. Your policy may or may not cover other services like chiropractic care, imaging (like X-rays and MRIs), vision and dental. It's important to get familiar with any plan you're considering, to avoid any nasty - and expensive - surprises later.
Can I get coverage if my employer doesn't provide it?
Absolutely. Many Americans find themselves in this situation, particularly those who own their own businesses or who work as freelancers. You can consult with an insurance broker to find the insurer and plan that makes the most sense for your situation.
Am I required by law to have health insurance?
No, but you could face tax penalties for not having health insurance. Because such requirements have changed several times in recent years, it's wise to check with an insurance agent to see what mandates are currently in place before you make a decision.
Are my health insurance premiums tax deductible?
Only if you are self-employed or have a Health Savings Account (HSA) with a high-deductible health plan (HDHP). If your health insurance comes through your employer, your premiums aren't tax deductible.
Can I buy health insurance online?
Yes! It's usually the easiest way to get an idea of what your options are and how much you'll pay each month. You can either buy a plan directly from an insurer or work with a referral service or broker who can provide multiple options to choose from.
What does health insurance cost?
Unfortunately, the answer to that is usually "a lot". Premiums for an individual typically start around $150/month and at $500/month for families. However, those plans usually have very high deductibles: an annual amount you have to spend before your insurance will start covering your medical costs. It's not uncommon for people to pay over $10,000 before their policy even kicks in.
Can I see any doctor I want?
Most health insurance policies have doctors and facilities that are considered in-network or out-of-network. If you choose to see a provider that isn't in your plan's network, you may have reduced benefits - or no coverage at all. For those who have established relationships with health care providers, it's usually possible to start a search for coverage by entering the doctor's name and seeing which insurance policies include him or her as an in-network option.

Compare Any 2 Products

Health Insurance.org
Stride Health
Healthcare Marketplace
Health Markets
New Plan Options
HealthInsurance.com
eHealth
Insurance Quotes
Find Health Insurance Coverage
First Quote Health
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HIPAA Home | HHS.gov

HIPAA Home | HHS.gov

Civil Rights HHS enforces federal civil rights laws that protect the rights of individuals and entities from unlawful discrimination on the basis of race, color, national origin, disability, age, or sex in health and human services.

Fri, 18 Jul 2025

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Rescission of Guidance on Heal

Rescission of Guidance on Health-Related Social Needs | Guidance ...

The first, Coverage of Services and Supports to Address Health-Related Social Needs in Medicaid and the Children’s Health Insurance Program, was released on November 16, 2023 (November 2023 CIB), and discusses opportunities available under Medicaid and CHIP to cover certain services and supports that purport to address HRSN.

Wed, 16 Jul 2025

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Department of Health & Human S

Department of Health & Human Services | HHS.gov

U.S. Department of Health and Human Services protects the health and well-being of all people living in the United States and provides essential human services.

Sun, 22 Jun 2025

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Your Rights Under HIPAA | HHS.

Your Rights Under HIPAA | HHS.gov

Health Plans, including health insurance companies, HMOs, company health plans, and certain government programs that pay for health care, such as Medicare and Medicaid.

Tue, 24 Jun 2025

Only the Best Reviews

Summary of the HIPAA Security

Summary of the HIPAA Security Rule - HHS.gov

This is a summary of key elements of the Health Insurance Portability and Accountability Act of 1996 1 (HIPAA) Security Rule, 2 as amended by the Health Information Technology for Economic and Clinical Health (HITECH) Act. 3 The summary addresses who is covered, what information is protected, and what safeguards must be in place to ensure appropriate protection of electronic protected health ...

Tue, 24 Jun 2025

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Complaints & Appeals | HHS.gov

Complaints & Appeals | HHS.gov

Find out how to file a complaint or appeal a decision related to health information privacy, civil rights, Medicare, and more.

Fri, 18 Jul 2025

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