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Top Health Insurance

Velapoint Insurance

Founded in 2006, VelaPoint is an insurance brokerage agency that is licensed in all 50 states and has access to all major carriers nationwide. They are a reliable place to shop for the best insurance plans available to fit your needs. Specializing in personalized consultations, they cover health, group health, dental, vision, accident, critical illness, and more.

  • Licensed in all 50 states
  • Specialize in personalized consultations
  • Access to a wide variety of available plans
  • Works with an affiliated network of the industry’s top insurers
  • Live agents available for free consultations
  • Broker not carrier
Insurance Types Offered

American Select Health

American Select Health is an online marketplace that allows consumers to compare various health insurance and medical insurance plans at once. You can even get plans that provide coverage for specific circumstances such as hospitalization, dental issues, vision issues, accidents, and even cancer. The company strives to offer plans that are affordable yet suitable for your specific needs.

  • Free consultations by phone
  • Access to a wide variety of available plans
  • Works with top insurers in the industry
  • Live agents available to offer ongoing support
  • Broker not carrier
Insurance Types Offered

Insurance Match Experts is an online savings referral service that connects consumers with health insurance providers with competitive rates. Compare multiple quotes at once from trusted insurance providers to find coverage that is affordable and accommodates your needs. can help you save time and money by disqualifying companies that do not align with your needs.

  • Free consultations by phone
  • Access to a wide variety of available plans
  • Finds quotes based on your insurance profile and consumer alignment technology
  • Licensed agents available to offer ongoing support
  • Broker not carrier
Insurance Types Offered is a privately-owned company that helps you make well-informed healthcare decisions. They focus on improving the way in which you shop for and enroll in health insurance coverage, offering you the ability to Instantly Compare Over 4,000 Insurance Plans.

  • Provides lots of different options
  • Helpful live agents
  • Offers free quotes by phone
  • Informative website content
  • Some reviews complain about multiple follow-up sales calls
  • Consumers sometimes get them confused with Note:They are a non-government resource.
  • Broker not carrier
Insurance Types Offered


eHealth partners with over 180 top insurance carriers to help you find the right health coverage for your needs. Whether you're looking for health insurance for yourself, your family or your business, ehealth can help protect your well-being for life - including your dental and vision needs.

  • More than 20 years of service
  • Wide range of options
  • Knowledgeable agents
  • Easy process
  • A+ rating with the Better Business Bureau
  • Broker, not direct insurance carrier
Insurance Types Offered

Health Insurance Overview

With so many options, finding a health insurance plan can be a time consuming task. Our goal is to assist you in finding health insurance plans that are reliable yet affordable. Whether this is your first time enrolling in a plan or you are looking to switch from your existing plan, we’re here to tell you about your many options.

Luckily, we’ve made the process easier by researching various health insurance companies so that you don’t have to! Compare the facts below and determine which brand or brand you want to call.

Health Insurance Plan Options

Health Maintenance Organization Plans (HMOs)

Health Maintenance Organization Plans (HMOs) allow consumers to access services through a network of registered physicians. If you are enrolled in a health insurance plan that is a HMO, you are limited to seeking care from doctors within the network. For those that decide to get care outside of the network, additional costs may be incurred. The only time care may be covered when visiting a professional outside of the network is in the case of an emergency when a network doctor is unavailable. To be eligible for HMO services, often you must be employed or reside in the service area.

While you may not have the freedom to visit any doctor, there is the positive aspect of not having to file a claim. To receive care from a specialist, you must be referred by your HMO doctor.

If you are enrolled in a plan, you may pay a monthly premium and even a deductible. You may also have the option for copayments and coinsurance.

Preferred Provider Organizations (PPOs)

Preferred Provider Organizations Plans (PPOs) are health insurance plans in which you can receive care from health care professionals both within the network and outside of the network. With a PPO, it is possible to get care from any physician without a referral. However, the benefit of seeking care from within the network is that you will pay less. Physicians outside of the network generally have higher costs.

Those enrolled in a PPO pay monthly premiums and sometimes must pay deductibles. You may also have the option for copayments and coinsurance. When you receive care from a physician outside of the network, you can expect additional paperwork and costs. Plan members may have to pay upfront and file a claim.

Exclusive Provider Organizations (EPOs)

Exclusive Provider Organizations Plans (EPOs) only provide coverage for plan holders when they visit professional healthcare providers within the network. When you visit any physician outside of the plan’s network, you are expected to pay the full cost of care. The only time you may not be responsible for making the full payment is if it is an emergency and a physician within the network is not available.

When it comes to an EPO Plan, you may pay a premium on a monthly basis however, the costs are comparatively lower than a PPO or HMO. In some situations, you may be required to pay a deductible, copayment or coinsurance. With an EPO, you are not required to fill out paperwork.

Point-of-Service Plans (POS)

Point of Service Plans (POS) combine aspects of a Health Maintenance Organization Plan (HMO) and Preferred Provider Organization Plan (PPO). The coverage benefits depend on whether the individual uses a healthcare provider that is within the network or outside of it. A Point-of-Service Plan is not common amongst policyholders as most consumers enrol in a HMO or PPO.

When you enrol in a POS, you are required to select an in-network primary care physician. The plan is similar to a PPO because individuals may still be covered for out-of-network services. However, when the policyholder seeks out services outside of the network there may be higher rates. If you visit a provider that is not within the network, you are responsible for completing all paperwork.

High-deductible Health Plans (HDHPs)

High-deductible Health Plans (HDHPs) have lower premiums but higher deductibles. Prior to the insurance provider covering costs, you must pay an agreed upon amount out of your own pocket. A High-deductible Health Plan is one of the only ways to become eligible for a tax-advantaged Health Savings Account (HSA).

Generally, individuals who only expect to use their healthcare insurance in case of an emergency enrol in a HDHP. Moreover, it can be a good solution if you can afford to pay high deductibles.

Health Savings Account (HSAs)

A Health Savings Account (HSA) is similar to a personal savings account. However, it can only be used for certain healthcare expenses. To be eligible for a HSA, you must have a HDHP which may only be suitable for individuals who can afford to pay high deductibles or those that are expecting to incur very few healthcare expenses. Health Savings Accounts offer tax advantages and assists patients in covering their healthcare costs.

Average Health Insurance Costs in the United States

In the United States, the health insurance cost on average is $403 per plan. Rates were higher prior to the Affordable Care Act (ACA) being enacted because premiums were determined by various factors. The ACA has allowed individuals to get coverage for affordable rates.

What is Open Enrollment (OEP)?

The Open Enrollment Period provides individuals and employees with a yearly opportunity to enroll in health insurance plans. During OEP you can enroll in plans or switch plans depending on your needs and eligibility. In certain cases, you may be able to enroll outside of OEP.

When is the Open Enrollment Period?

The Open Enrollment Period for health insurance is from November 1 to December 15. If you do not enroll during this time, you cannot get coverage unless you qualify to enrol during the Special Enrollment Period.