Thursday, March 27th
2025 Health Insurance Plan Reviews
HealthInsurance.com
- Offers a wide range of insurance products
- Provides a good work environment for employees
- ACA and short-term health coverage available
- Uses cookies to gather personal data so you don't have to input your zip code
- Lots of educational resources
HealthInsurance.com's goal is to help as many people as possible find coverage that fits their unique healthcare needs and lifestyle. Over the past 20 years, HealthInsurance.com has had over 1 million people come to the website looking for health insurance that is right for them. But, you should be aware that, in the past, their parent company (Benefytt Technologies) was required by the FTC to pay out over $100 million to people who they scammed using websites like HealthInsurance.com, but now the website has new ownership.
Lots of educational resources
HealthInsurance.com has a clean look and is easily navigable, which makes it nice if you just want to learn about health insurance coverage and get yourself familiarized with a general knowledge of what it's all about. It's actually a relatively quiet website, so the educational resources are easier to understand, and there are no real distractions. The resources are concise and well written.
Uses cookies, but no forms
To get a quote using HealthInsurance.com, you will have to make a phone call and talk to a live agent. That might not be as convenient as online enrollment, but you don't have to worry about any online forms collecting your data digitally. The only real data collected is spelled out in their terms and includes your general location. HealthInsurance.com does not hide that they use cookies and other data-gathering tools on their websites. It is likely that your information may be used for other purposes.
Troubled past
While the company may now be working on transparency and honesty, they were previously embroiled in a nasty bout of legal issues. According to an FTC lawsuit, Benefytt (HealthInsurance.com's owner) lied about their sham health insurance plans and used deceptive websites (primarily this one) to sell products and services that cost as much as hundreds of dollars per month but were not qualified under the Affordable Care Act and lacked key elements. The lawsuit also alleged that Benefytt tacked on add-ons, like life or accident insurance, and made it hard for customers to cancel. Benefytt was ordered to pay over $100 million in compensation to people they scammed. While HealthInsurance.com may be under new management, it's difficult to completely recover from the previous problems the website had.
Choose a higher-rated site for health insurance coverage
We'd love to see HealthInsurance.com, under new management, reach its current goal of transparency and honesty. We appreciate their educational resources and hope that the new owners make honest improvements. We will wait and see what happens, but for now, go with a higher-rated website to shop for health insurance coverage.
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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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