Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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Best Health Insurance

Finding the best health insurance isn’t as easy as it sounds. You have so many different types of policies to look at, dozens of companies to choose from, and premiums to consider.

Start by entering your zip code and getting free insurance quotes now!

What’s more, you may be thinking that you can’t afford health insurance at all and in today’s economy, that isn’t unusual. The problem is, if you are like most people, you probably can’t afford a medical emergency. According to a study conducted by the New York Based Commonwealth Fund in 2010, nearly 1/3 of US adults don’t get the medical care they need because they can’t afford to pay for it.

Considering that the US is considered to be one of the richest countries in the world and people come from all over the world come to the US to get health care when they are seriously ill, this is an untenable situation and speaks to the need for more accessible health care.

Some argue that the 2010 health care reform bill that passed will solve these issues. Even with these changes many of the people who don’t receive the health care that they need actually have health insurance. The problem is that their plans don’t cover enough or have out of pocket costs that are too high.
The bottom line is that not only do you need health insurance, but you need to find affordable health insurance that meets all of your needs in such a way that you can get the care you need. This is what the best health insurance has to offer you.

The problem that many people face when they are looking for the health insurance is that they want someone to show them the best health insurance. It just doesn’t work this way because while Aetna’s Managed Choice Open Access 2000 plan might be the perfect plan for you, for your neighbor, this plan may be the worst possible option. What’s more, some plans aren’t available in every state.

The same thing applies to finding the best health insurance company. While there are companies that rank health insurance companies so that you can see who ranks high as far as customer service, claims paid and so on, these are national ranking systems. You are still faced with the possibility that ranked insurance companies may not offer insurance in your area or their reputation where you live isn’t nearly as good as their national reputation.

So, how do you find the best health insurance company and plan? This is going to require a bit of time on your part, but considering the cost of health insurance, you should be willing to spend some time on this issue to make sure your health insurance is exactly what you need.

Finding the Best Health Insurance Company

Finding the best health insurance company is going to be area specific. Every state has several insurance companies that sell health insurance, but not every insurance company sells health insurance in every state.

You can find a complete list of health insurance companies licensed to sell insurance in your state on your state’s Department of Insurance website. Your Department of Insurance is a place for you to learn about your insurance options, common misconceptions about health insurance and you will find a list of complaints against each health insurance company.

It is important to note that this list of complaints are only complaints made directly to the Department of Insurance. If someone complained to the insurance company, the Better Business Bureau, or on an online forum, this won’t be found on the Department of Insurance website. That’s why it is important for you to check all of these resources to determine the best health insurance company.

You should also use A.M. Best or Standard & Poor’s to check the financial situation of each company. You want to ensure that the health insurance company that you choose can afford to pay your claims when you have them and that they are financially sound.

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The Best Health Insurance Company Might be State Funded

Because of the economy in the US, many people find that they can’t afford health insurance at all, especially if they have lost their job. If this is the case, you may want to consider some state funded programs for your health insurance. Keep these facts in mind:

  • In order to qualify for programs like Medicaid you have to make under a certain amount of money and this amount is very low. However, if you don’t have any income coming in, it is well worth it to see if you can qualify for Medicaid.
  • In most states, Medicaid is available to children of lower income families at no charge. Even if you don’t qualify for it yourself, you owe it to your kids to apply for this health care for them.

Choosing the Best Health Insurance Plan

Choosing the best health insurance plan is as equally important as finding a health insurance company that you can be happy with. You will find that every company has their own plans for you to choose from and that they can vary widely between companies.

What you need to consider is what each plan offers you in terms of coverage:

  • HMO plans are the least expensive option, but don’t offer you any flexibility and there are many hoops you have to jump through if you need more than the most basic of care.
  • Traditional health insurance offers you the most options but is by far the most expensive option, sometimes costing hundreds of dollars more each month than an HMO. You do, however, have all of the freedom that you want when choosing your doctor and the care you receive.

What makes it so difficult to choose the best health insurance plan is that pretty much everyone would like to have the maximum amount of coverage possible, but this option is very expensive. What you need to consider is your budget and then determine how much care you can get on your budget.

You also need to shop around for your insurance so that you can be the best health insurance plan for the least amount of money possible. You don’t want to waste your time visiting a bunch of health insurance company websites, however, as it will take you forever to compare health plans this way.

Because every insurance company offers something different it makes it difficult for you to do an “apples to apples” comparison. This is where a quote tool comes in handy. You can compare rates between insurance companies without having to try to search out the most similar types of insurance; the quote tool does that for you.

All you have to do is answer a few questions about yourself and the type of insurance that you are looking for and the quote tool does the rest of the work for you. In just a few minutes you will be able to review quotes from multiple companies, all of which have good reputations and good financial standing.

Type in your zip code to start comparing health insurance quotes and benefits now!