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eHealthInsurance Review

In November of 2008, I quit my job to go full-time with running my business. Of course, being the financially conservative fellow that I am, there was absolutely no way that I was going to quit until I had a new health insurance policy already in place.

Like any self-respecting member of Generation Y would do, I began my research by Googling “self-employed health insurance.” After clicking around and looking at a few different sites, I came upon eHealthInsurance.

You won’t find it cheaper anywhere else.

Apparently, health insurance pricing is regulated by law so that all the different places that sell a given policy must charge the same price as each other. So, for example, a $1,250 deductible policy through Blue Cross Blue Shield will cost the same regardless of how you buy it.

Truth be told, I was completely unaware of that fact until I read it on eHealthInsurance’s site. With that knowledge in hand, I figured there would be no point in shopping around.

Comparing Policies

Of course, you’ll still want to do your research in terms of making sure that you get the policy that’s best for you and your family.

eHealthInsurance was very helpful here. They provide access to a large number of insurance providers, so you can choose between several different plans regardless of your price range.

Customer Service

I’ve only had 2 interactions so far with their customer service, but it was excellent both times.

Most recent example: In February, Kali–my wife–got her first full-time job with benefits (hurray!). Her employer provided very low-cost insurance for her, but did what appeared to be nothing in the way of subsidizing insurance for spouses.

So I called up eHealthInsurance to ask if we could keep the policy active but remove Kali from it. Not a problem at all, apparently. All we had to do was fax over a letter indicating that we wanted to remove her from the plan, and it was taken care of.

Summary: Would I recommend them?

Given our experience so far? Absolutely. They made it easy to shop for plans, provided plenty of different options for policies, and have had great customer service. (And, apparently, nobody’s going to have better prices than they do anyhow…)

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