Top 10 Health Insurance

Check out the top health insurance companies today. We researched, compared, and evaluated the top insurance providers to help you pick the best one that will fit your needs.

✔ Last updated: 2020-10-19

Picking the best health insurance can be difficult. It has different plan price with different prices that will depend on your needs. However, we have collected data to help you pick the best health insurance plans available.

Rank

Insurance Provider

Features

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★★★★★
100+ Ratings

✔ Made up 37 different local companies that operate independently
✔ Largest insurance in many rural areas
✔ High deductible plan

★★★★★
100+ Ratings

✔ High customer satisfaction ratings
✔ Rated A+ by ratings companies

★★★★★
100+ Ratings

✔ Offers plans at lower cost than many other insurance companies
✔ Dental insurance
✔ Vision insurance
✔ Home health care insurance

★★★★
100+ Ratings

✔ Low-cost insurance plan
✔ Offers different plans across the US
✔ Offers add-ons like vision and dental coverage

★★★★
100+ Ratings

✔ Have higher premiums but offer more benefits and coverage other than other insurance providers

★★★★
100+ Ratings

✔ Offers healthcare insurance in several states
✔ Had highest registered intention to renew on insure.com

★★★★
100+ Ratings

✔ Extensive online support
✔ Online helathcare

★★★
100+ Ratings

✔ Long-term insurance
✔ Short-term insurance
✔ Dental insurance

★★★
100+ Ratings

✔ Largest insurance company in the country
✔ Deductibles are often lower than other plans
✔ HMO-only

★★★
100+ Ratings

✔ Offers regular plan, Medicare, Medicaid and CHIP plans
✔ Low to no copays and no deductibles
✔ Homegrown and local to the areas it serves

What are the Benefits of Health Insurance?

Nobody plans to get sick or hurt, but everyone will need medical care at some point in their life. You would be visiting a doctor or would need a prescription drug. You might also find yourself needing a lab test, physical therapy, or even counseling. These types of services can be costly.

And if something happens, that will require surgery or even emergency medical care, having coverage could come in handy. These surgeries can be really expensive, and the average cost of a 3-day hospital stay is $30,000.

But if you have health insurance, you won’t worry about paying a lot for hospital bills, and it could actually give you peace of mind.

There are even health insurance benefits even before you meet your deductible. Here are some:

1. All health insurance plans cover some services like preventive care and well-woman visit for free.
2. Some health insurance plans will offer other health insurance benefits like the reduced price of generic drugs, and they can also provide disease management programs.
3. If you have medical services from a provider in your plan’s network, you will pay lower prices than you usually would without insurance. That alone can save you hundreds of dollars every year.

Should I Get Health Insurance?

Health insurance can be really expensive, and it can be tempting to go without any coverage, especially if you do not get sick often.

A lot of people in their early twenties feel that they are healthy enough to skip out on health insurance. When you do not visit doctors frequently, and if you are tight financially, it might seem like it is a good idea to cut the health insurance expense entirely from your budget.

But this is not recommended. Having medical insurance is a necessity. You can never tell when you would be needing hospital care. Also, accidents happen when you least expect it. The cost of emergency surgeries can be very expensive, especially if you do not have health insurance.

Medical Emergencies Can Bankrupt You

As we have said above, medical emergencies can be costly. If you met the misfortune of undergoing a medical emergency without health insurance, it is easy to find yourself with a significant amount of medical debt, and it would be so hard to get out of that mess.

Final Words

No matter how healthy you think you are, do not skip on health insurance. You would be needing its coverage sooner or later, and it would be nice to know that you are fully covered.