Which are the best health insurance companies available today? If you have an employer that offers a group policy, then the best company is likely to be the one your employer chose because that policy is going to be your cheapest option.

However, if you can't get employee health insurance you can still find low cost insurance with a private plan.

The Choice is All Yours

The advantage of a private health insurance plan for your family is that you do have the option to choose your own insurance company and your own type of plan.

For the cheapest plans, you should consider HMO and PPO plans. With these types of plans, you must choose your health care provider from an approved list. However, in exchange, you can save thousands of dollars on insurance premiums every year.

Individual or Family?

When you're buying your own plan, you also have the option of choosing separate individual plans for each family member or one plan that covers everyone.

If everyone in the family is in good health, one plan is probably your best option. But if someone in the family has a chronic illness, a separate plan with a company that specializes in that illness may be your best choice.

Look Online for More Choices

Shopping online for your family health insurance gives you wide access to numerous health insurance companies. You can use an insurance comparison website to compare the quotes offered by a variety of companies to get the best plan at the best price (see link below).

You can also use websites from your state's Department of Insurance and from rating companies such as A.M. Best (ambest.com) to check an insurance company's customer service record and financial stability.

Best Companies, Best Rates


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