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Tom Nutile

Guide to Health Insurance Shopping Web Sites

The best sites to help you compare health care plans and prices

By Tom Nutile, Principal, TN Communications Group

With a seemingly endless array of health care options, trying to zero in on the right plan for your business can be achingly time-consuming. However, several health insurance shopping Web sites have emerged to help you narrow down your options. With a few clicks of the mouse, you can get a list of health insurance plans from a variety of major carriers that are geared to small businesses — usually with two to 50 employees. With these sites, you can:
  1. Compare plans and rates.
  2. Apply online.
  3. Receive notification of approval in a matter of days.
  4. Pay no fees.

Action Steps
The best contacts and resources to help you get it done


eHealthInsurance.com

ehealthInurance.com lets you choose small business health insurance plans from major carriers and offers managed care plans (HMO, PPO and POS) as well as indemnity, or fee-for-service (FFS), plans in some areas. The site promises to serve as an advocate with the insurance company and to shop for competitive quotes when it's time to renew your policy.
I recommend: Visit eHealthInsurance.com.

HealthInsurance.com

HealthInsurance.com offers all types of small business group health insurance plans, including managed care, indemnity plans and health savings accounts (HSAs). It offers explanations of rating tools used to help you decide which carriers are best. A number of cost-containment strategies are especially useful for small business owners.
I recommend: Go to HealthInsurance.com.

MedHealthInsurance.com

This health insurance shopping site focuses on small businesses and offers managed care plans and HSAs from major carriers. The site offers cost-saving tips, such as information on joining with other small businesses to form a pool to purchase group health insurance.
I recommend: Go to MedHealthInsurance.com.

Major carrier sites

Health care providers also have Web sites that allow you to review and compare plans. Of course, you can only compare among each provider's own plans.
I recommend: Visit Blue Cross, Aetna and Cigna for a look at their small business plans.

Tips & Tactics
Helpful advice for making the most of this Guide

  • To simplify the health insurance process, choose a site that offers follow-up service or will act as an advocate on your behalf.
  • Re-examine your health care policy and review rates when it's time to renew.
  • Most health insurance shopping sites don't charge a fee; instead they're paid a commission by the health insurance provider.

The official source of Health Insurance Shopping Web Sites is
the Health Care page at Business.com

Free Quotes On Health Insurance Plans
Provides Free Instant Quotes and Comparisons on Individual and Family Health, Life, Dental, and Temporary Health Insurance From Multiple Providers.
Individual | Family | Instant Quotes | Live Help
MyInsuranceExpert.com
Compare Health Insurance Quotes
Compare health quotes from top health plans. Blue Cross, Blue Shield, Aetna, and more. Online or via health insurance agent/broker.
Short Term | Individual Health | HSA | PPO
www.healthinsurancesort.com
Health Insurance Brokers
Offers access to health insurance quotes from carriers nationwide and ability to submit requests to up to 4 companies with one form.
www.4freequotes.com
Health Insurance Agents & Brokers
Learn the ropes, find an agent, get a quote, and apply online!
www.einsurance.com

Recommended Solution Providers

Insurance.com: Small Business Health Insurance Quotes
This online broker allows a user to search for small business health insurance by zip code.

Bank of America: Small Business Health Insurance
This site by a large American bank allows the user to choose a state, and the browser will return small business insurance packages for that geography.

eHealthInsurance
This internet-based agent sells insurance packages for small business owners.

Wells Fargo Small Business: Group Health Insurance Overview
The small business health insurance site of American banking giant Wells Fargo.

HealthInsurance.com: Business Owners
This is an online insurance site that is a collaboration by two of the largest insurance firms in the industry.

MostChoice: Group Health Insurance
This broker will find the best insurance deal based on your needs.

MedHealthInsurance: Small Business Health Insurance
Another broker that collects information from the potential customer, and than finds the best value out their portfolio of vendors.

BuyerZone: Group Health Insurance Price Quotes
On this site, the shopper answers some basic insurance questions, and the engine will return 5 different small business insurance quotes.

Blue Cross/Blue Shield: Employer Health Care Coverage Information
Blue Cross is one of the better known health insurance providers. This site has their business information and products.

Aetna
A health insurance industry giant's site, regarding small business.

AIG: Accident & Health Insurance for Business
The health insurance site specific to business, of insurance industry leader AIG.

Best Sites to Learn More

Entrepreneur.com: Insurance Center
A long list of articles related to health insurance issues for small businesses.

AllOptions.com: Small Business Health Insurance
This site will find multiple quotes from different vendors based on the prospective customer's inputs.

Website 101: Small Business Health Insurance & Healthcare Article Library
A site with dozens of articles that are specific to small business health insurance issues.

HealthDecisions.org: Agents & Brokers
In depth tools for consumers and industry professionals to help with healthcare coverage decisions.

MedlinePlus: Health Insurance
A government site that helps educate prospective health insurance buyers.



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