Thursday, February 2nd
2023 Health Insurance Plan Reviews
eHealth Insurance
- Choose from more than 10,000 health insurance plans from 180+ companies
- Customer service with licensed agents is available 24/7, even after you purchase a plan
- Plans available for Individuals/Families, Small Business, Medicare, Short-Term, Dental, Vision, and GAP
- "A+" rated by the BBB
eHealth has been around for over 25 years, connecting Americans with health insurance over the internet. This platform can help you get the coverage you need, subsidized or not, plus options for short-term insurance, vision/dental, and so on. Most people have a fantastic experience with this platform and appreciate the 24/7 customer service from licensed agents. However, the severity of the small amount of negative feedback we found keeps eHealth from landing one of our highest ratings.
First Quote Health
- Founded in 2014
- Connect with multiple insurance partners
First Quote Health isn't a site you should rely on to get health insurance. They require you to take a phone call to even see quotes, and the company is just a lead generator: there's no one on staff that's a licensed insurance agent. Previous users of this service would advise you to stay well away from First Quote Health unless you're a glutton for punishment and like getting spam.
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Where Can You Get the Best Health Insurance?
About half of Americans have health insurance from their employer. But what if you're not one of them? Not only can it be risky to go without insurance - one trip to the ER for kidney stones can easily result in a bill of $75,000 or more - but the IRS will also penalize you for not having qualifying health coverage. Ouch.
The good news is that you have coverage options that might come with a tax credit used to reduce your monthly premiums, if you need to find health insurance on your own. Those plans come through the federal Health Insurance Marketplace, but if you've tried to navigate the government site on your own, you already know it can be confusing at best.
Health Insurance Plan FAQ
Continued from above...
Don't worry, there's more good news: 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 PPO and HMO 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 websites promising to help you with your health insurance are trustworthy. While some are exactly as they appear - services staffed by licensed agents, authorized to act on your behalf to enroll you in a plan - others are just lead generators who get paid to pass along your information to any number of insurance agencies, marketing companies, and who knows where else.
How can you tell which health insurance websites are on the up-and-up? Keep an eye on these criteria as you decide where to start shopping for coverage:
- Licensed Agents. As we mentioned, the reputable platforms offering health insurance will always have an option to work with a licensed agent - usually well before you ever provide any personal information.
- Upfront Quotes. Do you have to enter a lot of details before you can see quotes for policies in your area? That can be a red flag. We prefer health insurance sites that let you enter a zip code and some limited demographic info (usually male/female, age, and income range), then show you a preliminary set of matching plans.
- Support Available. How easy is it to get help if you get stuck in the application process? Will the company advocate for you after you've purchased a health insurance policy? Can you reach someone via phone, live chat, or even in person? Is help offered only during business hours or round-the-clock?
- Ease of Use. How quickly can you see quotes? Can you easily sort out health insurance coverage by premiums, insurers, or any other criteria? Can you apply online and get coverage right away or will a phone call be required to finalize your enrollment?
- Reputation. Lots of health insurance sites talk big, but which ones actually come through? You can determine that by looking at the company's Better Business Bureau rating and any complaints filed there, along with client reviews on third-party sites.
To help you get the medical coverage you need, TopConsumerReviews.com 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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