It almost seems an oxymoron to say "best priced" with where premiums for health insurance plans have risen in the last 5 years. Having said that, if small businesses are looking for the lowest premium on the market, Health Net and Emblem Health have the best community rated products right now. Empire BCBS has introduced some new EPO plans as well that are also quite competitive. If employers are looking for high-deductible health plans to couple with HSA or HRAs, Emblem Health has plans are that below 200/person.
Oxford Health Plans and Aetna are priced similarly to each other, as such, their products and prices are the next tier up. Cigna now has also introduced an EPO plan that is also quite competitive.
For folks over the river in to New Jersey, Horizon BCBS has the best price/product mix right now, followed by Health Net and others including Oxford and Aetna as well.
For free quotes, visit www.healthinsurancegeeks.com, for New York companies there is a real time quote engine, for NJ, folks must submit a census document to get a quote right back as the carriers rate based on census.
Monday, July 13, 2009
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