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The Best Health Insurance Plans

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.

Thursday, July 18th

2024 Health Insurance Plan Reviews

Health Markets Review Top Consumer Reviews Best-In-Class Blue Ribbon Award 5 Star Rating

Health Markets

5 Star Rating Top Consumer Reviews Best-In-Class Blue Ribbon Award

Health Markets has enrolled more than six million people in health insurance coverage since 2010. This service is available in all 50 states plus DC, offers policies from over 200 carriers, and has options for getting your plan with an agent in person, over the phone, or completely online. Over 90% of Health Markets' users give the platform a five-star rating, keeping this service in our #1 spot among providers offering health insurance quotes online.

Health Insurance.org Review 4.5 Star Rating

Health Insurance.org

4.5 Star Rating

Health Insurance.org is one of our favorite resources. Start by becoming a better-informed consumer through all of the helpful articles on the site, then use the linked quote platform to get a plan that matches what you need. You'll be assigned a licensed agent who can answer your questions, or simply go through the steps to get signed up directly through the website. This service has some advantages over most rival sites, and it's a great place to go for health insurance.

Healthcare Marketplace  Review 4 Star Rating

Healthcare Marketplace

4 Star Rating

Healthcare Marketplace, not to be confused with the federal website for getting insurance, makes it easy to see quotes for numerous policy options in your state. You won't have to enter any contact information to view them, and you only have to talk with a licensed agent when you're ready to complete the enrollment process (but you can call anytime to ask questions or get recommendations). You'll probably get more policy choices here than just about anywhere else, so we highly recommend giving Healthcare Marketplace a try if you're searching for the right health insurance.

eHealth Insurance Review 3.5 Star Rating

eHealth Insurance

3.5 Star Rating

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.

New Plan Options Review 3 Star Rating

New Plan Options

3 Star Rating

New Plan Options works like many of the health insurance platforms in our review: enter your information and get connected to a third-party service to view numerous matching plans in your area. Customer service is right at hand if you need help via live chat or toll-free number, and the agency is licensed in most of the 50 states. But, with little feedback from clients of New Plan Options and nothing that really makes this service stand out, you might want to look at the higher-ranked companies in our review first.

Insurance Quotes Review 2 Star Rating

Insurance Quotes

2 Star Rating

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.

Health Insurance.com Review 2 Star Rating

Health Insurance.com

2 Star Rating

Health Insurance.com bills itself as the one-stop shop for all things insurance: ACA plans, non-subsidized plans, Medicare, dental, short-term and more. It's not a bad site to use to get some information, and the quote process itself was satisfactory. However, when you see that the site passes you along to one of the higher-rated platforms in our review, and that the company behind Health Insurance.com gets a near-failing grade from the BBB, you'll understand why this is one of our lowest-ranked options for getting health insurance.

Agile Health Insurance Review 1.5 Star Rating

Agile Health Insurance

1.5 Star Rating

Using the Agile Health Insurance website to get medical coverage feels like a maze: at every turn, you'll find a different partner in the process - potentially leaving you unsure where to go for help if you have a question or concern. Not only does this platform offer nothing noteworthy compared to other health insurance sites, but the company also has a bad reputation with the Better Business Bureau. Look elsewhere when shopping for health insurance.

First Quote Health Review 1 Star Rating

First Quote Health

1 Star Rating

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.

CoverPlus Health Review 1 Star Rating

CoverPlus Health

1 Star Rating

CoverPlus Health should be the last place you look for health insurance. You won't be able to reach anyone at the company if you have questions, and your application will undoubtedly be passed along to a third-party service (or more than one) that you could just as easily use from the start. This site is unprofessional, and that's being generous. CoverPlus Health gets our lowest possible rating.

Compare the Best Reviews

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.

The Best Health Insurance Plans Compare Health Insurance Plans Compare Health Insurance Plan Reviews What are the best Health Insurance Plans Best Health Insurance Plan Reviews

Health Insurance Plan FAQ

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.
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.
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.
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.
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.
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.
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.
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 Health Insurance Plans

Select any 2 Health Insurance Plans to compare them head to head

  • Health Markets
  • Health Insurance.org
  • Healthcare Marketplace
  • eHealth Insurance
  • New Plan Options
  • Insurance Quotes
  • Health Insurance.com
  • Agile Health Insurance
  • First Quote Health
  • CoverPlus Health
Health Markets vs Health Insurance.org Health Markets vs Healthcare Marketplace Health Markets vs eHealth Insurance Health Markets vs New Plan Options Health Markets vs Insurance Quotes Health Markets vs Health Insurance.com Health Markets vs Agile Health Insurance Health Markets vs First Quote Health Health Markets vs CoverPlus Health Health Insurance.org vs Healthcare Marketplace Health Insurance.org vs eHealth Insurance Health Insurance.org vs New Plan Options Health Insurance.org vs Insurance Quotes Health Insurance.org vs Health Insurance.com Health Insurance.org vs Agile Health Insurance Health Insurance.org vs First Quote Health Health Insurance.org vs CoverPlus Health Healthcare Marketplace vs eHealth Insurance Healthcare Marketplace vs New Plan Options Healthcare Marketplace vs Insurance Quotes Healthcare Marketplace vs Health Insurance.com Healthcare Marketplace vs Agile Health Insurance Healthcare Marketplace vs First Quote Health Healthcare Marketplace vs CoverPlus Health eHealth Insurance vs New Plan Options eHealth Insurance vs Insurance Quotes eHealth Insurance vs Health Insurance.com eHealth Insurance vs Agile Health Insurance eHealth Insurance vs First Quote Health eHealth Insurance vs CoverPlus Health New Plan Options vs Insurance Quotes New Plan Options vs Health Insurance.com New Plan Options vs Agile Health Insurance New Plan Options vs First Quote Health New Plan Options vs CoverPlus Health Insurance Quotes vs Health Insurance.com Insurance Quotes vs Agile Health Insurance Insurance Quotes vs First Quote Health Insurance Quotes vs CoverPlus Health Health Insurance.com vs Agile Health Insurance Health Insurance.com vs First Quote Health Health Insurance.com vs CoverPlus Health Agile Health Insurance vs First Quote Health Agile Health Insurance vs CoverPlus Health First Quote Health vs CoverPlus Health
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