Health Insurance

Insurance Policies for You and Your Family

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The information contained in FinSpot.guide should not be conceived as legal, financial or investment advice nor as an endorsement of any of the products or services referenced in FinSpot.guide. As disclosed in the Terms and Conditions all information on FinSpot.guide is subject to change. FinSpot.guide does not contain an exhaustive list of all lending or insurance partners in each category.

FinSpot researches the best financial options available in the US today so that you don’t have to! Our team of dedicated researchers scour the internet to give you the advice and assistance you need to make an informed decision. The following list of health insurance providers have been reviewed by our editors and meet FinSpot standards for coverage and reliability.

Find Your Match

Last Updated:
December 2024

Our rating system - FinSpot Star Ratings are based on editor research and expertise. Please do your own research before making any financial decisions.

Audience Favorite
1
9.7
FinSpot Rating
Ready to enroll in an individual vision plan?
  • Save up to $300 annually with a VSP plan
  • Ideal for seniors & retirees or self-employed and part-time workers
  • Get exclusive member-only deals on popular eyewear brands
2
9.4
FinSpot Rating
International Health Insurance
  • For individuals and families living abroad
  • Get a free quote in just 2 minutes
  • Full Cancer Care and Global Care on Demand
Healthcare Crowdfunding
3
9.3
FinSpot Rating
Pay large health care bills ‍without insurance
  • Subscribe for $50/Month
  • Get access to a suite of health care tools and dedicated team of Personal Care Advocates
  • Members contribute to cover your costs, and our platform handles the transfers
Sign Up
Scroll to Learn More
4
9.1
FinSpot Rating
Ready to take the next step to protect your future?
  • Supplemental Insurance to fill the gaps
  • An additional layer of protection for your employees and their families
  • When a person gets sick or hurt, Aflac pays cash benefits fast

Our Methodology: How we found the best insurance options for you

Research. Research. More research. It’s really that simple. Our dedicated team of online experts scour the internet every single day to find the best options available for our audience. We want to help save you money, and we want the process of saving to be easy for you to complete. The recommendations we provide are selected based on the following criteria; reliable service, ease of application, and trusted source. FinSpot wants you to be able to select the best option for you, and then move on with your life to focus on the things that matter, like family, friends, and a healthy life. Take a look at the following list and do your own research as well. We’re confident you’ll be satisfied with our selections.

2024 Health and Vision Insurance Recommendations
1
VSP Individual Vision Plans
Ready to enroll in an individual vision plan?
  • Save up to $300 annually with a VSP plan
  • Ideal for seniors & retirees or self-employed and part-time workers
  • Get exclusive member-only deals on popular eyewear brands

Over time, your eyesight can change. So, it’s important to get your eyes checked every year to make sure you’re seeing your best. The good news is that you can get affordable vision coverage on your own with VSP® Individual Vision Plans.

Plans start as low as $13 a month, with typical savings up to $300 a year on the vision care and eyewear you need. There are several full-service plan options to choose from, so you can get the personalized coverage you deserve.

  • Ideal for:
    • Seniors & Retirees
    • Self-employed or part-time individuals
    • Those changing jobs

Why enroll in a VSP Individual Vision Plan? It takes less than 10 minutes to enroll in a plan on your own, but better sight can last a lifetime. Vision is at the heart of how we experience the world. Even a small change in the quality of our vision can be immediately noticeable, with big consequences that can affect our daily routine. A personalized plan from VSP can help you save on your next eye exam and glasses. Plus, you’ll get access to over $3,000 in savings on other member-exclusive offers, including contact lenses, LASIK, and more!

Why we chose VSP Individual Vision Plans: With the price of your vision insurance policy, you can save on lenses, frames, or contacts up to the allowance listed in the plan you choose. VSP Individual Vision Plans cover annual eye exams in full after a small copay. The savings don’t stop with exams and frames, though. If you prefer upgrades that cost more than the standard covered allowance, you also get discounts on enhancements you may choose when selecting your glasses or contacts. Progressives, bifocals, trifocals, and tinted lenses are also covered or discounted with your coverage. When you choose a vision insurance plan from VSP, you get great value for eye care without changing the quality of your coverage. They also offer a 100% Satisfaction Guarantee, meaning if you’re not happy, they’ll make it right. It’s no wonder they have a Member Satisfaction rate of 93%.

2
Cigna Healthcare
International Health Insurance
  • For individuals and families living abroad
  • Get a free quote in just 2 minutes
  • Full Cancer Care and Global Care on Demand

An international health insurance plan gives you access to private health care services across the globe. Cigna's health insurance policies are flexible to suit your needs and budget: you can choose from a range of cover levels and personalization options to find the right plan for you. Our plans cover treatment for both emergency and routine healthcare, and provide you with flexibility in terms of choice of doctor and treatment facility.

With Cigna's international health plans, you can access private healthcare providers anywhere within your region of travel. This means you don't have to rely on local, public health care systems, which may not meet your needs. You also avoid surprise health care bills and instead pay a regular, predictable premium. If you do need to claim, we can often pay the provider directly.

Why we chose Cigna: Complex Case Management / Medical Second Opinion Service. Cigna offers a dedicated nurse to manage any chronic conditions you may have, throughout the lifetime of the policy. They also offer a medical second opinion, for that extra piece of mind.

3
CrowdHealth
Pay large health care bills ‍without insurance
  • Subscribe for $50/Month
  • Get access to a suite of health care tools and dedicated team of Personal Care Advocates
  • Members contribute to cover your costs, and our platform handles the transfers

CrowdHealth is not an insurance company, but a platform & community that empowers you with a crowdfunding tool and a wealth of resources to efficiently manage your health care costs.

Step 1: Subscribe for $50/Month - Join the CrowdHealth community with a $50 monthly subscription. This fee provides you access to a suite of health care tools and a dedicated team of Personal Care Advocates, ready to guide you through health care decisions and bill negotiations.

Step 2: Help Other Members - Every month, you'll assist another member with their health event based on age or family size. Our platform effortlessly distributes costs among the crowd, making it easy to support others:

  • AGES 0-54: Up to $135/month
  • AGES 55-64: Up to $270/month
  • FAMILIES OF 4+: Up to $405/month.

Step 3: Receive Support from the Crowd - When facing health care expenses from injury, illness, pregnancy, or other health events, the CrowdHealth community steps in. Members contribute to cover your costs, and our platform handles the transfers. Use this support for any medical expenses.

Why we chose CrowdHealth: Each month, you'll have the opportunity to support another member of the community with their medical expenses. If you agree, money will be transferred from your bank account to the member who requires assistance. They will then use this money to handle their medical costs. 5000+ members have already signed up. Join the growing network today!

4
Aflac Supplemental Insurance
Ready to take the next step to protect your future?
  • Supplemental Insurance to fill the gaps
  • An additional layer of protection for your employees and their families
  • When a person gets sick or hurt, Aflac pays cash benefits fast

For over 60 years, we’ve focused on giving customers the best supplemental insurance experience possible. When a person gets sick or hurt, Aflac pays cash benefits fast.

Supplemental insurance is additional coverage that you can use to help with the out-of-pocket expenses that may not be covered by your major medical insurance. Have you ever had expenses not covered by your major medical plan? That’s where Aflac comes in.

Aflac is voluntary insurance, or an optional layer of financial protection. And with healthcare costs on the rise, more Americans than ever are seeking an extra financial safety net for unexpected medical expenses. Aflac supplemental insurance policies offer a full suite of products for individuals, families, and businesses. Our policies help with everything from routine preventative care to critical illnesses.

Why we chose Aflac: Technically, supplemental insurance is optional, as it’s additive to your current coverage. Major medical covers an average of 60% of total medical costs, and supplemental insurance helps cover the remaining 40% of any medical bill.

Major medical coverage only goes so far, and even with it, you can still be left with tremendous out-of-pocket costs. The average cost of a broken leg is $7,152. After major medical, you could still be left with $2,861 in medical expenses that may not be covered by your work’s health insurance plan. A plan like Aflac Accident Insurance pays you cash (unless assigned otherwise) that can be used to help with the out-of-pocket expenses that may not be covered by major medical in the event of a qualifying accident.

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