Thursday, March 27th
2025 Health Insurance Plan Reviews
First Quote Health
- Founded in 2014
- Connect with multiple insurance partners and agents
First Quote Health says that they put you in touch with licensed, independent agents to get free quotes on different types of health insurance plans "in just a single phone call”. The company has been in business since 2014.
Sleazy way to get leads
When you enter your zip code and then click on "Complete My Quote”, you'll be taken to a form that asks for your gender, birthdate, height and weight (?), household size and income, and so forth. You then are required to give your contact information, including a phone number. The next screen will let you know that an agent is calling right then to talk to you.
100% lowest possible reviews
Among all of the reviews we found for First Quote Health, 100% gave this service the lowest possible rating of just one star - and most people said they'd give it zero stars if they could (we had to laugh when we saw one lead-generating reviewer describe the company as a "clown factory”). Numerous individuals referred to First Quote Health as a "scam" and expressed that the company was so aggressive that many users would receive 50 calls or more per hour after they gave their information via this website. Upon further digging, we found that First Quote Health is operated by a lead-generating company founded by a man who worked in advertising at Google.
Legal problems in California
First Quote Health got in hot water in California for allegedly violating the TCPA, which protects consumers from getting spammed with phone calls if they are on the Do Not Call Registry, from auto phone dialing, and other problems. Thousands of people have complained that First Quote Health continues to violate the TCPA in all of those ways.
More complaints from consumers reveal major problems
Users complain of the following patterns of behavior from First Quote Health, saying the company has been guilty of:
- Collecting personal information, including social security numbers
- Selling leads of individuals who gave false identities or who already received insurance from other providers
- Calling victims as much as 50 times per day from various numbers
- Calling victims who pressed 9 to be "added to their do-not-call list”
- Calling victims under the guise of the "Health Registration Company”
First Quote Health exists solely to generate leads
First Quote Health exists for the sole purpose of making money for NextGen, not for helping you get good health insurance coverage. You'll find all of that in the Terms page.
Your information will be sold
If you look in the terms further down, you will see that First Quote Health has an exhaustive list of partners that will happily pay for your personal information. It's easy to see how some people get hundreds of spam calls a day after handing their contact information over to First Quote Health.
Don't give your information to First Quote Health
Unless you enjoy being called and texted 200 times a day, it is a good idea to stay far away from First Quote Health. Go with a health insurance marketplace that has licensed agents and is very transparent about who they are. Stay away from this walking violation of TCPA.
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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.
Health Insurance Plan FAQ
Continued from above...
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:
- Licensed agents. As we mentioned, the reputable platforms offering health insurance will always have an option to work with a licensed agent - without having to first 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? This could potentially raise concerns. 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.
- Ease of use. How quickly can you see quotes? Can you apply online and get coverage right away, or will a phone call be required to finalize your enrollment?
- Support available. How easy is it to get help if you get stuck in the application process? Will the company continue to care and advocate for you after you've purchased a health insurance policy? Does the company offer year-round support? Do they offer more than one way to contact them - phone, live chat, and email, for example. Do they have limited service hours?
- Reputation. While many health insurance websites boast impressive claims, which ones truly deliver? You can determine that by looking at customer reviews on third-party sites or reading reviews like the ones here at TopConsumerReviews.com.
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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