How To Evaluate Health Insurance Companies? 
A lot of it depends on personal preference and what your concerns are . If you want to make sure it 's with a top-rated company who is financially strong and stable , you want to look at what their rating is -LRB- e.g. A.M. Best ratings : A , A + , and A + + indicate superior financial ratings -RRB- It can also be helpful to look into reviews that people say about the company - positive aspects , any major continuous issues with claims , etc. ? Another major comparative item to look at is , on average , how quickly the carrier pays claims . There 's no one company that offers the `` best '' health insurance plan . The health plan that 's going to offer you the lowest rates may not be the most suitable plan for you . Make sure to compare the benefits covered under the plan . I always recommend consulting with an experienced health insurance broker . We can compare health plans from multiple carriers to help determine which program is going to best serve your needs . Please let me know if I can be of further assistance . Thanks very much . 