Best Health Insurance 2025
Navigating health insurance can be overwhelming. We've reviewed the top health insurance marketplaces and providers to help you understand your options and find a plan that fits your needs and budget.
Pro Tip: Check if you qualify for ACA premium subsidies — many people earning up to $60,000+ can get significant discounts on marketplace plans.
Quick Comparison
| Provider | Best For | AM Best | Est. Cost | Rating | |
|---|---|---|---|---|---|
| Healthcare.gov | Best Official Marketplace | N/A (Government) | Varies (subsidies available) | 4.0 | Get Quote |
| eHealth | Best for Plan Comparison | N/A (Marketplace) | Varies by plan | 4.0 | Get Quote |
| Oscar Health | Best Digital-First Insurer | B++ (Good) | $300–$700/mo | 4.0 | Get Quote |
| HealthMarkets | Best for Agent Support | N/A (Brokerage) | Varies by plan | 3.5 | Get Quote |
Detailed Reviews
Healthcare.gov
AM Best Rating
Est. Cost
Varies (subsidies available)
Our Rating
Pros
- Access to subsidies & tax credits
- Standardized plan categories
- Special enrollment periods
- Free to browse plans
Cons
- Can be confusing to navigate
- Limited outside open enrollment
- Plans vary by region
Who It's Best For: Anyone eligible for ACA marketplace plans, especially those who qualify for premium subsidies or cost-sharing reductions.
*Rates may vary by state, driving record, and other factors. Quote is not guaranteed.
eHealth
AM Best Rating
Est. Cost
Varies by plan
Our Rating
Pros
- Compare plans side-by-side
- Licensed agents available
- ACA & non-ACA plans
- Free to use
Cons
- May push higher-commission plans
- Not available in all areas
- Phone wait times
Who It's Best For: People who want help comparing both marketplace and off-marketplace health insurance plans with agent support.
*Rates may vary by state, driving record, and other factors. Quote is not guaranteed.
Oscar Health
AM Best Rating
Est. Cost
$300–$700/mo
Our Rating
Pros
- Free telemedicine visits
- User-friendly app
- Concierge team
- Step-tracking rewards
Cons
- Limited network in some areas
- Only in select states
- Higher premiums in some markets
Who It's Best For: Tech-savvy individuals who want a modern, app-driven health insurance experience with virtual care built in.
*Rates may vary by state, driving record, and other factors. Quote is not guaranteed.
HealthMarkets
AM Best Rating
Est. Cost
Varies by plan
Our Rating
Pros
- Access to 200+ carriers
- Local licensed agents
- ACA, Medicare & supplemental
- Free consultations
Cons
- Agent quality varies
- May not find lowest rates
- Follow-up calls can be persistent
Who It's Best For: People who prefer working with a local agent to navigate health insurance options, especially Medicare-eligible individuals.
*Rates may vary by state, driving record, and other factors. Quote is not guaranteed.