Health Insurance Plans Reviews

Best Health Insurance Plans of 2026

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

2026 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

Healthinsurance.org is our top pick for finding health insurance options. Established in 1999, the website offers a wealth of information and educational resources on health insurance. It's easy to navigate and doesn't require contact information to get quotes. We're happy to give Healthinsurance.org our highest recommendation.

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

In the realm of government healthcare marketplaces, things typically don't run smoothly and predictably. This is not the case with Stride. The founder of this company saw a need for people who are independent contractors to have help in navigating the complicated world of insurance - health insurance coverage and beyond. He nailed it with Stride - a company that has millions of happy customers who've saved an average of about $500 a month on healthcare coverage. Stride is a brightly-colored star in a constellation of beige and vanilla health insurance coverage marketplace websites.

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

Healthcare Marketplace has been used by over 18 million people to shop for healthcare coverage. With its easy-to-use online platform and a painless quote process, we can see why people like it. The website is streamlined, featuring a straightforward layout that facilitates effortless navigation. You have the option to look at all kinds of plans without entering your personal contact information, or to receive plan recommendations by calling an agent. Although waiting for an agent to call back is somewhat a hassle, we still think this is an above-average pick when shopping for health insurance coverage.

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

Health Markets offers a visually appealing and user-friendly website that simplifies the process of selecting health insurance. The website is so easy to follow that in less than the time it takes to watch a movie, you can have chosen and enrolled in health insurance from the comfort of your own home. Health Markets boasts a network of over 3000 agents, making it effortless to speak with someone in your local area. You can also compare your current plan to see if you could get something better. However, be aware that your private data may be shared, and you may be called by other insurance agents - sometimes many times per day - if you give out any personal information on the 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

Short: New Plan Options is another option in a sea of health insurance coverage marketplaces online that offers health care plans through a database. It is owned by CMS Insurance Agency and has been a family-owned business since 1985. The company offers several different insurance types and claims to give excellent customer service. Due to a lack of current social media presence and an outdated-looking website, New Plan Options seems more stuck in the past than forward-thinking into the future of health care coverage options. It's okay, but there are better out there.

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

In spite of its troubled past, HealthInsurance.com is trying to come back as a transparent and honest player. With a long history in healthcare, HealthInsurance.com has built up a good repository of educational resources for consumers. However, Healthcareinsurance.com has not had enough time to prove that they can be trusted as an assistant in finding a quality and affordable healthcare plan.

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

Upon initial inspection, eHealth appears to be a straightforward website that assists individuals in selecting a healthcare plan. They seem to be overselling a little with their claims of "online resources," which amount to a few outdated articles about healthcare and a customer service promise that agents will look out for the customer and do follow-up care to ensure that everyone finds the plan that fits them. There have been complaints that the company harasses people in the form of near-constant text messages and phone calls and continues to do so even after customers ask to be placed on a do-not-call list. We can't recommend eHealth as a good company to use when shopping for health insurance plans.

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

insuranceQuotes is owned by All Web Leads and, as such, serves as a lead generator for health and auto insurance along with other kinds of coverage. Getting a quote from insuranceQuotes means you will give your personal information away to be sold to other companies. You will receive quotes from providers, but it may not be easy to stop calls, texts, and emails from continuing from all of the third-party companies who bought your contact info from insuranceQuotes. We can't recommend this website to anyone for legitimate help in finding health insurance coverage.

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

Find Health Insurance is a great example of a questionable website. With no information about the company or its founders, misleading information on forms that require personal data sharing, and a bare-bones website that is nothing more than a placeholder for a form, these are all giveaways. The addition of including a graphic proclaiming an "A" rating and accreditation from the Better Business Bureau without a link to that rating appears to be a little fishy. Overall, we cannot recommend Find Health Insurance as a legitimate and safe way to find health insurance coverage.

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

If there's a health insurance website we'd tell you to run far away from, it would be First Quote Health. Why? This company only serves to generate leads that are shared and sold with "partner" companies. First Quote Health has not been able to show trustworthy behaviors, and we do not recommend it as a health insurance coverage finder.

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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Health Insurance.org vs Stride HealthHealth Insurance.org vs Healthcare Marketplace Health Insurance.org vs Health MarketsHealth Insurance.org vs New Plan OptionsHealth Insurance.org vs HealthInsurance.comHealth Insurance.org vs eHealthHealth Insurance.org vs Insurance QuotesHealth Insurance.org vs Find Health Insurance CoverageHealth Insurance.org vs First Quote HealthStride Health vs Healthcare Marketplace Stride Health vs Health MarketsStride Health vs New Plan OptionsStride Health vs HealthInsurance.comStride Health vs eHealthStride Health vs Insurance QuotesStride Health vs Find Health Insurance CoverageStride Health vs First Quote HealthHealthcare Marketplace vs Health MarketsHealthcare Marketplace vs New Plan OptionsHealthcare Marketplace vs HealthInsurance.comHealthcare Marketplace vs eHealthHealthcare Marketplace vs Insurance QuotesHealthcare Marketplace vs Find Health Insurance CoverageHealthcare Marketplace vs First Quote HealthHealth Markets vs New Plan OptionsHealth Markets vs HealthInsurance.comHealth Markets vs eHealthHealth Markets vs Insurance QuotesHealth Markets vs Find Health Insurance CoverageHealth Markets vs First Quote HealthNew Plan Options vs HealthInsurance.comNew Plan Options vs eHealthNew Plan Options vs Insurance QuotesNew Plan Options vs Find Health Insurance CoverageNew Plan Options vs First Quote HealthHealthInsurance.com vs eHealthHealthInsurance.com vs Insurance QuotesHealthInsurance.com vs Find Health Insurance CoverageHealthInsurance.com vs First Quote HealtheHealth vs Insurance QuoteseHealth vs Find Health Insurance CoverageeHealth vs First Quote HealthInsurance Quotes vs Find Health Insurance CoverageInsurance Quotes vs First Quote HealthFind Health Insurance Coverage vs First Quote Health First Quote Health vs Find Health Insurance CoverageFirst Quote Health vs Insurance QuotesFirst Quote Health vs eHealthFirst Quote Health vs HealthInsurance.comFirst Quote Health vs New Plan OptionsFirst Quote Health vs Health MarketsFirst Quote Health vs Healthcare Marketplace First Quote Health vs Stride HealthFirst Quote Health vs Health Insurance.orgFind Health Insurance Coverage vs Insurance QuotesFind Health Insurance Coverage vs eHealthFind Health Insurance Coverage vs HealthInsurance.comFind Health Insurance Coverage vs New Plan OptionsFind Health Insurance Coverage vs Health MarketsFind Health Insurance Coverage vs Healthcare Marketplace Find Health Insurance Coverage vs Stride HealthFind Health Insurance Coverage vs Health Insurance.orgInsurance Quotes vs eHealthInsurance Quotes vs HealthInsurance.comInsurance Quotes vs New Plan OptionsInsurance Quotes vs Health MarketsInsurance Quotes vs Healthcare Marketplace Insurance Quotes vs Stride HealthInsurance Quotes vs Health Insurance.orgeHealth vs HealthInsurance.comeHealth vs New Plan OptionseHealth vs Health MarketseHealth vs Healthcare Marketplace eHealth vs Stride HealtheHealth vs Health Insurance.orgHealthInsurance.com vs New Plan OptionsHealthInsurance.com vs Health MarketsHealthInsurance.com vs Healthcare Marketplace HealthInsurance.com vs Stride HealthHealthInsurance.com vs Health Insurance.orgNew Plan Options vs Health MarketsNew Plan Options vs Healthcare Marketplace New Plan Options vs Stride HealthNew Plan Options vs Health Insurance.orgHealth Markets vs Healthcare Marketplace Health Markets vs Stride HealthHealth Markets vs Health Insurance.orgHealthcare Marketplace vs Stride HealthHealthcare Marketplace vs Health Insurance.orgStride Health vs Health Insurance.org
See the Best Health Insurance Plans in Your State
Only the Best Reviews

Forbes

Oz Pushes Catastrophic Health Plans, Which Critics Call Junk Insurance

The main criticism of high-deductible health plans has been that people with such coverage typically must pay thousands of dollars out-of-pocket when they do get sick.

Mon, 02 Mar 2026

Only the Best Reviews

Money Talks News on ...

Why health insurance premiums are rising — and what you can do ...

Health care premiums are on the rise this year. Find out what your options are now.

Fri, 20 Feb 2026

Only the Best Reviews

India Today on MSN

Health insurance | Take more care

Health insurance is a crucial financial cushion when you need hospitalisation or face a health condition that requires treatment in a hospital ...

Fri, 20 Feb 2026

Only the Best Reviews

Moneycontrol

You exercise regularly, but annual check-ups flag cholesterol or ...

A well-designed comprehensive policy with adequate sum insured, strong hospitalisation coverage, and preventive health benefits is generally sufficient when you’re healthy.

Wed, 04 Mar 2026

Only the Best Reviews

The Philadelphia ...

‘Kind of morbid’: Health premiums threaten their nest egg. A ...

The end of enhanced federal subsidies raised one couple's health insurance premiums from $540 to $3,899 a month. A diagnosis of ALS eases the burden.

Wed, 04 Mar 2026

Only the Best Reviews

CNBC

Millions may drop ACA coverage — and raise health insurance costs ...

Some experts warn of a potential "death spiral" in the Affordable Care Act marketplace if young, healthy consumers drop coverage amid soaring costs.

Wed, 04 Feb 2026

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