Assessing Health Insurance Companies

Making a wise health insurance purchase entails an assessment of the health insurance companies.

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Assessing a health insurance company should include an investigation of the following:

  • the company's financial rating
  • the quality of care the company provides
  • the company's customer-satisfaction

Health insurance companies: financial rating

Moody's, A.M. Best and Weiss publish health insurance company ratings.

eHealthInsurance, provides ratings as you shop. Read more about their health insurance providers.)

Health insurance companies: quality of care

Check the educational and employment histories of the network doctors. The American Medical Association and the Directory of Medical Specialists are both good resources.

Health insurance companies: customer satisfaction

Call the health insurance company's customer service representative with a question, request information be sent to you. Taking too long to respond may be a sign of poor customer service.

Consumer Check or Consumer Reports are two resources offering heath insurance company and health policy evaluations for a fee.

Or try an easier way:


eHealthInsurance provides a financial rating when you request a free quote. Simply choose a policy, apply online, and compare the policy satisfaction numbers once you're approved.


Next: Must-haves of health insurance

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