Top 10 Health Insurance

Save money on your next trip to the doctor's clinic. We compare and review the Best Health Insurance companies.

Disclosure: We receive advertising revenue from some partners. Learn more.
  • Plans starting at $104 per month
  • Over 180 carriers to choose from
  • Interim Coverage for $0.59 a day
  • A- BBB Accredited
  • Featured on CNN, Wall Street Journal, The New York Times, and Kiplinger’s
  • Partnered with health insurance providers including Anthem, Kaiser Permanente, and Cigna
  • Get Instant Health Insurance Quotes at healthinsurance.net
  • Explore Health Coverage Options by Submitting Your Zip Code
  • Licensed insurance Agents Available In All 50 States
  • Compare Quotes From The Leading Healthcare Providers
  • Talk To Healthcare Experts Through Their Toll-Free Telephone
  • Plans for seniors, young adults, individuals, and families
  • Get free quotes through  one simple online form
  • Be connected with leading health insurers nationwide
  • Shop on your own schedule
  • Compare options and prices
  • Plans for seniors, young adults, individuals, and families
  • Get free quotes throughone simple online form
  • Be connected with leading health insurers nationwide
  • Shop on your own schedule
  • Compare options and prices
  • Accident Protection Plan
  • Health and Wellness App
  • Critical Illness Protection
  • Hospital Indemnity Plan
  • Low Cost Health Protection
  • Online Physician Finder
  • Free, no obligation matching service
  • Wide network of well-known health insurance providers
  • Start receiving health quotes by entering your information online
  • Compare health insurance policies from leading health insurance providers
  • Low cost health insurance for individuals
  • Partner with well-known insurance providers
  • Individual and group health plans available
  • Compare health insurance prices
  • Subsidy calculator
  • Fast approval
  • Extensive network of doctors and hospitals
  • Supplemental coverage and self-funded program
  • URAC Accredited
  • Fixed benefit plans
  • Online cost estimator
  • Blue365 Healthy Discounts
  • Doctor and Hospital Finder
  • Accepted by 90% of doctors and specialists
  • Benefits Accessibility
  • Preventive Care Coverage
  • Find a doctor online
  • Multiple health insurance plans offered
  • Electronic health record
  • Appointment scheduler
  • 24/7 advice nurses  
  • Live chat
Don't see the business you are looking for?

Best Health Insurance: Summed Up

Company Name Strengths
1eHealth InsuranceBest Overall
2Healthinsurance.netPatient Expenses
3Health Plans AmericaTypes of Plans, Coverage
4HealthPlansNetwork, Coverage

How We Compare Health Insurance

Select 2 health insurance companies to compare
vs

Network - 20%
Types of Plans - 15%
Annual Maximum - 20%
Coverage - 20%
Patient Expenses - 25%

Network

When shopping for health insurance, one of the first things that consumers should consider is the size and availability of in-network providers. This is because in-network providers or partners determine the amount your health insurance covers. Costs are lower because preferred providers work at negotiated rates. It is also important to choose a health insurance provider with preferred providers in your area.

  • PPO – Preferred Provider Organization. Offers wide selection of providers without required referrals for visits.
  • HMO – Health Maintenance Organization. For lower out-of-pocket costs with more guided health care experience.
  • POS – Point Of Service.  Offers more provider options and guided health care experience.
  • EPO – Exclusive Provider Organization. Lower out-of-pocket costs without required referrals for visits. 

Types of Plans

Basically there are four different health insurance types. Each with its own level of covered health services, maximum benefits and out-of-pocket costs. Basic or entry level plans have lower monthly premiums. This however, have higher out-of-pocket costs and lower annual maximum limits. The amount of premiums you can afford and covered health services needed are two important factors you should consider when choosing a health insurance plan. Below are the four common types of health plans and what it would commonly cost you. 

 

Cost Covered By Plan

Cost Consumers Will Pay

Monthly Premium

Bronze

60%

40%

Lowest monthly premium

Silver

70%

30%

Lower premiums and average out-of-pocket costs

Gold

80%

20%

Higher premiums and lower out-of-pocket costs

Platinum

90%

10%

Highest premiums and lowest out-of-pocket costs

 

Annual Maximum

Annual Maximum Limit refers to the total amount your health plan covers in a policy year. Each specific health service comes with a corresponding maximum limit. After this is reached, the policyholder is responsible for health care costs for the remainder of the policy year.

Coverage

Health insurance coverage includes the services that are covered by the insurer which pays for the medical and surgical expenses needed by consumers. Coverage may vary per state which also includes other features such as out-of-pocket limits, premiums, deductibles, co-insurance, and co-payments. Health plans have a standard essential health benefits which are:

  • Maternity and new born care
  • Rehabilitation and habilitation services
  • Laboratory services
  • Emergency services
  • Outpatient care
  • Prescription drugs
  • Preventive care services and chronic disease management
  • Mental health and substance use disorder services
  • Pediatric care services 

Patient Expenses

While having your health insurance plan cover all your health service costs is ideal, plans only provide coverage for most of the costs of treatment. Basic health insurance plans on average for example only covers 60% of the cost while the rest is shouldered by the policy holder.

  • Deductible Policyholders are obliged to pay corresponding deductibles before the insurance company begins to pay for covered services.
  • Co-payments Fees paid by consumers to health care providers are called co-payments. It is another form of co-insurance in which the insurance company pays the remaining cost for the service rendered as the consumer pays its out-of-pocket expenses.
  • Co-insurance As a policyholder reaches his deductibles, they pay a percentage of the remaining cost which is referred to as the co-insurance amount. The insurance company pays a percentage of its covered service after deductibles.