There is no one national "best of breed" when it comes to heath insurance. Health insurance is driven at the state level and therefore varies greatly from one state to the next. Even products and rates from the same national insurance carrier will vary from state to state.
People's definition of "best" vary from person to person as well. For some it's the plan with the lowest monthly premium cost for others it is the plan with the richest level of benefits. In that sense, only you can determine what private health insurance plan in your state are the best fit for you.
I would recommend you seek out the services of an experienced health insurance agent who is certified to sell health insurance both on and off of the government health insurance marketplace to help you determine what the answer to your question is for you specifically.
What is BEST is so subjective. Office Co-pays, Rx Co-pays, Low Deductible, High Deductible, & more all play into the flexible definition of BEST.... HOWEVER, I do see a growing trend that can put a more objective --- that is the TYPE of network you buy. PPO / HMO / POS / EPO. Do you know what these acronyms mean? Do you understand the impact on WHO YOU CAN SEE when you pick a different network.
In my area, Nashville TN, the difference in networks is HUGE between carriers. The top carrier has 2002 Family doctors in a 50 mile radius of down town... the #2 carrier for 2016 .... only 270. 86.5% LESS doctors to go see. Cardiologists: 201 vs 34... 83% LESS!!!
I will stand on the statement, "There ARE better plans. The better plan gives you greater access to doctors & hospitals in your area & possibly nationally."
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People's definition of "best" vary from person to person as well. For some it's the plan with the lowest monthly premium cost for others it is the plan with the richest level of benefits. In that sense, only you can determine what private health insurance plan in your state are the best fit for you.
I would recommend you seek out the services of an experienced health insurance agent who is certified to sell health insurance both on and off of the government health insurance marketplace to help you determine what the answer to your question is for you specifically.
In my area, Nashville TN, the difference in networks is HUGE between carriers. The top carrier has 2002 Family doctors in a 50 mile radius of down town... the #2 carrier for 2016 .... only 270. 86.5% LESS doctors to go see. Cardiologists: 201 vs 34... 83% LESS!!!
I will stand on the statement, "There ARE better plans. The better plan gives you greater access to doctors & hospitals in your area & possibly nationally."