14 Top Health Insurance Companies

What to check before choosing a health plan

The monthly premium is only part of what a health plan costs. Look at the whole picture before you enroll, and confirm that the company selling the plan is the one that will pay your claims.

• Network: check that your doctors, hospitals and pharmacies are in network. Out-of-network care can cost far more or not be covered.
• Total yearly cost: add premiums, the deductible, copays and coinsurance, and note the out-of-pocket maximum.
• Prescriptions: look up your regular medicines in the plan's drug list and see which price tier they fall in.
• What the product actually is: some arrangements sold alongside insurance, such as cost-sharing groups, discount cards and short-term plans, do not offer the same protection or guarantee payment.
• Enrollment windows: many plans can only be bought or changed at set times of year unless you have a qualifying life event.

Common problems and ways to reduce them

People most often report denied claims, surprise bills from out-of-network providers and sales calls after visiting a quote website that looked official. Ask for a written explanation of any denial and use the appeal process, which plans are generally required to offer. Get plan documents before paying and read the exclusions. CandorRated company pages list who runs the website, how long the domain has existed, contact details found and reviews from members.

Frequently asked questions

Is a health cost-sharing plan the same as insurance?

No. Members share costs under the group's own rules, and payment is not guaranteed the way an insurance contract is.

How do I appeal a denied claim?

Request the reason in writing, collect records from your doctor and follow the appeal steps in your plan documents within the deadline.

Why am I getting calls after asking for a quote?

Some quote sites share your details with several brokers. Check the consent wording before you submit a form.