Thursday, March 27th
2025 Health Insurance Plan Reviews
New Plan Options
- Available health insurance includes ACA/Obamacare, business, Medicare Supplement/Advantage, Short-Term, Healthcare Sharing, and Dental
- Insurers include United Healthcare, Cigna, BCBS, OneShare, National General, and Mutual of Omaha
- Licensed in 45 states (exceptions are Hawaii, Minnesota, New York, Oregon, and Rhode Island)
New Plan Options has a world of experience in all aspects of insurance. They are a family-run business, and they are set apart by their personal commitment to their clients. New Plan Options is part of CMS Insurance Agency, which is accredited by the BBB with an "A+” rating.
Straightforward questions
You begin by choosing a coverage type from the dropdown box and entering your zip code. Next, New Plan Options will ask you to choose who needs coverage. The next question involves your name and phone number. You won't be able to go further without giving this information to them. The website policies state that they do indeed give your personal information to third-party sources, so proceed with that in mind.
Routes you through Health Sherpa
On the next screen, New Plan Options passes you along to a third-party site, Health Sherpa. This is pretty much an industry-wide pass-off, so it's not a surprise. At that point, when you look at the top of the page, you'll see that you're looking for coverage through CMS Insurance Quotes and the name of one of the company owners as your licensed agent. This is the company that owns New Plan Options.
Quick response from support, no spam calls
One reviewer stated that the live chat was very responsive and helpful. The reviewer's questions were answered honestly and quickly. The best thing about this option, however, is that they don't have any complaints from people saying that their information was given to other health coverage search agencies to call and text relentlessly.
Outdated social media and website
When it comes to health insurance coverage, you want to ensure that your search is current with any new changes or less expensive alternatives. New Plan Options unfortunately feels very outdated, and social media channels have not been updated in years. This is not something we want to see in a health insurance marketplace.
Concerns about relevance, security, and lack of information
We love that New Plan Options is a family business, but we are concerned about the lack of information about this company or the parent company, CMS Insurance, and their relevance in the modern health insurance coverage landscape. We also worry that security may be compromised if the website is not updated frequently.
It's okay; there are better out there
Despite using the same database as many other health coverage marketplaces, New Plan Options' outdated design and neglected social media channels do not inspire confidence in its commitment to staying at the forefront of healthcare coverage. It seems to keep your private data truly private, but we do feel concerned about the safety of an outdated website. Even though the company seems fine, we'd prefer shopping for health insurance with a service that is forward-moving, not stuck in the past.
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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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