Our reviewers evaluate products and services based on unbiased research. Top Consumer Reviews may earn money when you click on a link. Learn more about our process.

Agile Health Insurance Review

Saturday, March 25th

2023 Health Insurance Plan Reviews

Agile Health Insurance Review 1.5 Star Rating

Agile Health Insurance

1.5 Star Rating
  • Offers a wide range of insurance products
  • ACA and short-term health coverage available

Agile Health Insurance is the ecommerce division of Health Pocket Inc. and part of the Benefytt Technologies brand family. Agile is a licensed agency that is able to offer a wide variety of insurance plans, from ACA coverage to short-term medical insurance, limited medical insurance, dental insurance, and more.

No unpleasant surprises in the application process

Let's assume you're looking for an ACA plan. Here's what you can expect from the process at Agile Insurance when you click on the "Find a Plan" button. First, you'll be asked for your zip code - at this stage, your name, email and phone number are optional (We always prefer to withhold as much information as possible while we're browsing health insurance plans and platforms). Next, you'll enter the age and sex of the person you're trying to insure, along with any dependents (such as spouse or children), and then indicate if they're a tobacco user and if they're eligible for any other coverage (job, Medicaid, CHIP). This platform also lets you enter the name of a particular doctor, specialist, or hospital if you need to know which insurers they accept before you choose. Ditto that for any prescription drugs you're taking.

See quotes without disclosing personal info

We like that consumers can see all of the plan options without entering their personal information, although you'll have the option of entering your email address to save your progress. When we entered a 25-year-old male, nonsmoker, in the state of Florida, we got just over 200 plans to choose from, with monthly premiums ranging from $29.03 to a staggering $807.34. United Healthcare, Blue Cross Blue Shield and Cigna were the three big-name insurers we spotted in the list, with smaller companies like Oscar and Ambetter as well.

Too many hand-offs

Once you've chosen a plan, you'll be walked through the enrollment process. Essentially, you'll be using Agile's platform to represent you while setting up your Obamacare coverage. However, you're going to see a lot of name changes as you use this platform to find health insurance. It starts out as Agile, then clicking to get an ACA quote takes you to the Health Sherpa website, and then even there it was labeled as American Service Insurance Agency. There's nothing straightforward here: you could get lost trying to keep track of who, exactly, is getting your personal information and where you should turn if you have a question or problem along the way.

Best Health Insurance

Low grade from the BBB

We also weren't happy to learn that Agile Health Insurance had a "D+" rating from the Better Business Bureau at the time of this review. According to the BBB's explanation on the listing for Agile's parent company, Benefytt Technologies, the "business has failed to resolve underlying causes of a pattern of complaints" . On the BBB site, there were 75 complaints filed in the most recent three-year period, describing some of those frequent issues: misrepresentation during the insurance purchasing process, billing disputes, and denial of claims for what customers were led to believe would be covered expenses.

Whose fault is it, anyway?

This service tries to remove any blame from itself by saying that it's "the other guy's fault" , more or less. Their response to the BBB asserts that they're just a technology platform that connects clients with health insurance carriers, and so if there's a problem with overselling and under-delivering, consumers should be mad at the insurance company. But, given that there are plenty of rival health insurance platforms who aren't getting dozens of complaints (or a bad grade from the BBB), we don't buy Agile's reasoning here.

Not recommended for health insurance

Agile Health insurance has nothing to beat out the competition. There are lots of ways you can get your medical coverage online, so why would you choose a platform with a poor reputation with the Better Business Bureau, too many names to keep track of, and a disappointing history with respect to customer service? We don't recommend using Agile Health (or any Benefytt company) to buy health insurance.

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.

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 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.

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
Compare the Best Health Insurance Plans
- VS -
Review the Best Health Insurance Plans
See the Best Health Insurance Plan
The Best Reviews of Health Insurance Plans