Best Companies With Affordable Health Insurance Plans

Truth be told, every healthcare company will say that they provide affordable health insurance to their customers. In reality though, the only time you are really getting such coverage is if you don't pose much risk to the company. On the contrary, if a health insurance company has reason to suspect you might be a significant risk for them, they will give you a correspondingly higher insurance premium,

Other companies that claim to give you affordable coverage are just offering you low monthly premiums with extremely high deductibles. Such coverage may also include high co-pays when going to see a doctor or being admitted into the emergency room.

Despite these tactics, here is a list of the top 10 health insurance companies that have the best reputation for offering the most reasonable plans according to U.S. News & World Report. The list was based on data collected and analyzed by the National Committee for Quality Assurance.

	Best Commercial Plans	Best Medicare Plans	Best Medicaid Plans
#1	Harvard Pilgrim Health Care (HMO/POS) Maine and Massachusetts	Preferred Care (HMO) New York	Fallon Community Health Plan (HMO) Massachusetts
#2	Tufts Associated Health Maintenance Organization (HMO/POS) Massachusetts, New Hampshire, and Rhode Island	Kaiser Foundation Health Plan of Southern California (HMO) California	Neighborhood Health Plan (HMO) Massachusetts
#3	Harvard Pilgrim Health Care of New England (HMO/POS) New Hampshire	Geisinger Health Plan (HMO) Pennsylvania	Excellus BlueCross BlueShield (HMO) New York
#4	Grand Valley Health Plan (HMO) Michigan	Blue Cross and Blue Shield of Massachusetts (HMO) Massachusetts	Neighborhood Health Plan of Rhode Island (HMO) Rhode Island
#5	Geisinger Health Plan (HMO/POS) Pennsylvania	Security Health Plan of Wisconsin (HMO) Wisconsin	Kaiser Foundation Health Plan of Hawaii (HMO) Hawaii
#6	Health New England (HMO/POS) Connecticut and Massachusetts	Blue Cross and Blue Shield of Rhode Island (POS) Rhode Island	Capital District Physicians' Health Plan (HMO) New York
#7	Anthem Blue Cross and Blue Shield - Connecticut (HMO/POS) Connecticut	Capital Health Plan (HMO) Florida	Independent Health Association (HMO) New York
#8	Group Health Cooperative of South Central Wisconsin (HMO) Wisconsin	Kaiser Foundation Health Plan of Colorado (HMO) Colorado	Blue Cross and Blue Shield of Rhode Island (POS) Rhode Island
#9	Blue Cross and Blue Shield of Massachusetts (HMO/POS) Massachusetts	Capital District Physicians' Health Plan (HMO) New York	Passport Health Plan (HMO) Kentucky
#10	CIGNA HealthCare of New Hampshire (HMO/POS) New Hampshire	Tufts Associated Health Maintenance Organization (HMO) Massachusetts	UnitedHealthcare of New England (HMO) Rhode Island

Notably, the best companies are mostly in the northeastern part of the United States - with the exception of Colorado being the only one in the midwest, California being the only state on the west coast, and Hawaii being the only state overseas. However, when you consider the commercial plans only - all of the ones in the top 10 are all on the east coast.

Believe it or not, but many people will move to a different state in order to get a more affordable health insurance plan. Doing so can be suitable for some families, but of course not for all. Many have to settle with mainstream companies such as Aetna, State Farm, UnitedHealthCare, and many others who are well-known - but don't necessarily offer the best plans.

For the full analysis of the study, visit:
http://health.usnews.com/articles/health/health-plans/2008/11/07/americas-best-health-plans-honor-roll.html