The Best Health Insurance plans in America – Do affordable rates exist?

Americans from across the nation are deep in search of the best health insurance plans.  While determining what is “best” for you is an individual process, media outlets have been closely following available coverages.  US News & World Reports ranks the Harvard Pilgrim HMO/POS Health Care Plan as the number 1 overall plan in America.  The magazine scores plans on the basis of member satisfaction, illness prevention, treatment and their accreditation from the National Committee for Quality Assurance.

Like many of the top plans the Harvard Pilgrim plan is only available through employers in select states.  Many Americans do not receive health coverage through their employer or have recently found themselves unemployed.

The Best Health Insurance Plans in America – do affordable rates exist?

Before beginning your searching for private health insurance first check if you are eligible through COBRA to receive your previous employer’s health insurance,  are eligible for Medicare or Medicare or can join a State High Risk Health Insurance Pool.

If you do not fall into one of the above categories experts recommend first understanding the type of coverage that best fits your need.  Don’t be fooled by plans with super low premiums that don’t cover a broad enough range of your health care requirements.  Even though the upfront costs may seem lower you may end up paying more out of pocket.

The top health insurers like Aetna, Anthem Blue Cross, CIGNA Corporation, UnitedHealth Group, and Wellpoint all have a large variety of HMO, PPO and POS options.  Providers like Anthem Blule Cross with their Tonik plan are offering a newer type of coverage directed at young healthy individuals.

Finding heath care plans online has also become a popular trend.  Online agents are able to collect your information in one place and reach out to several providers to shop for the lowest quotes and rates for you.  Though, if you do not consider yourself internet savvy it may be recommended to use a traditional agent or to call the insurer directly.

Let us know where you found cheap and low cost plans as well as what you think is the best health insurance plan.