What Is The Most Ethical Health Insurance Company? 
That 's a tough one to gauge , because not all health insurers are in every state or every county of the states they are in . And most of the data that is compiled is based off of a limited range of surveying . But , to me , you grade a health insurer 's ethics on several factors : the number of people they serve , the number of complaints ruled against them -LRB- not # of filed , because most complaints that are filed are dropped due to consumer 's misrepresentation -RRB- , their financial stability rating to pay claims , and the strictness of underwriting guidelines and # of denied applications -LRB- though you wo n't have to worry about that for the most part starting Jan 1 , 2014 -RRB- . Those are most important , but you secondly should look at their quality of customer service , their rates , number and quality of providers in their network , and type of plan it is -LRB- HMO , PPO , POS , FFS , ACO , etc. -RRB- . It all depends on how each individual defines ethical . Because you might find a company most ethical because they have the best doctors and hospitals in your area , pay their claims fast , have the best customer claims and billing service , and have the lowest complaints . But to another they 're unethical because their rates are 23 % higher , they do n't cover them across state lines , and they would n't insure their wife because she has diabetes . So , it 's really what you value as ethical . But , the best way to find the best company for you , is to find a good local health insurance broker that represents all insurers in your area and ask them those questions . Because , they will know better than anyone which company is best for you and the most ethical because they have dealt with all aspects with most of them on a regular basis . Plus , having a broker or agent on your side , fighting for you on any wrongdoing by the insurance company , will help your case and make your life a whole lot easier and save you time ... You wo n't just be a policy # in a computer , we help you put a face and story to their considerations ! And , even if after a chat with the broker and them recommending some plans , do your own research on those plans . Here are some good resources to look up plans and companies in your area , and how they stack up . Your State Insurance Department is a good start : WEBSITELINK WEBSITELINK WEBSITELINK WEBSITELINK WEBSITELINK WEBSITELINK WEBSITELINK 