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Saturday, February 4th
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.
Insurance Quotes isn't our favorite site for getting health insurance - or any other kind of coverage. This site, along with several other URLs, is just a "storefront" used by All Web Leads, a lead-generation company that doesn't specialize in anything it offers and that isn't a licensed insurance agency. This platform will likely make it take twice as long to get a policy, and you won't be connected with as many insurers as you'll find elsewhere.
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.
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:
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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