Thursday, March 27th
2025 Health Insurance Plan Reviews
Health Markets
- More than 7 million policy enrollments since 2010
- Available to residents of all 50 states and DC
- Policies available from 200+ carriers
- Over 3,000 agents available
- User-friendly, easy process
- Available insurances include Medicare, short-term, ACA, dental, vision, and supplemental
In 2019, UnitedHealthcare acquired Health Markets Insurance Agency, allowing UnitedHealthcare to focus on greater access to health care options for individuals and families. Health Markets' position as a leading distributor of health insurance, Medicare Advantage and Part D, and other life insurance products now helps UnitedHealthcare provide for the insurance needs of more people.
Find the best insurance for you without being on hold
At Health Markets, you can browse plans, compare premiums, and see what's available in your area without having to listen to hold music, all while in your pajamas. Curl up with your laptop and a hot cup of coffee, and go at your own pace without having to rush. When you find the right fit, most of the time you can complete the entire enrollment online.
Agents are readily available
You also have the option of calling an agent - and you can even find a local agent near you. With over 3,00 in-person agents, there is most likely someone near you who can answer your questions. On the flip side, with over 3,000 agents all getting commissions and having to find good leads, you may run into more than one agent calling you - maybe a lot more.
Easy-to-use website
The Health Markets website is nicely organized and makes it easy to enroll. You can shop plans immediately, and Health Markets gives you a series of questions that help to match you to the best insurance fit for you.
Compare your current plan
Health Markets also has a way for you to go online and compare your current healthcare plan to other available plans to see if yours still really is the best fit for you. If you find something that you like better, they can help you make the switch.
Confusing information regarding personal information
Health Markets states on the website that it uses the information you provide to compare plans and show accurate quotes for insurance products - they state that they never disclose personal information to third parties. However, in their online privacy policy, it states that the company "may also share information…among affiliates or with our parent company or subsidiaries. We may also share information with other third-party companies with which we have a business relationship…” At the bottom of their website, there is a link to a form you can fill out to request that your data not be shared or sold. It doesn't make a lot of sense, but just be aware that your data may be shared within the UnitedHealthcare group of companies and subsidiaries and anyone with whom they do business.
Recent issues with customer reviews
Since the time that UnitedHealthcare acquired Health Markets, there seems to have been a shift in the customer experience. Where before there were thousands of amazing online reviews, now some of the higher-starred reviews have been mismarked, and some don't even make coherent sense. One thing that has risen to the forefront is more and more reviews complaining of being called mercilessly within minutes of giving personal information and phone numbers to Health Markets agents or the website. Some people reported over 30 calls from different insurance agents within a few hours. These complaints seem to have been resolved.
Not the best, but far from the worst
Despite the website's beauty and ease of use, and Health Markets' extensive history in the insurance industry, the acquisition by UnitedHealthcare seems to have led to issues with personal data being shared more frequently. Because of these few issues and the larger group of subsidiaries personal information is being shared with, it serves to knock Health Markets down from its previous number one position on our list. It's still a decent way to shop for health insurance, but there are a few sites we'd recommend that you consider first.
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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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