Compare
Real trade-offs, not marketing blurbs.
Side-by-side comparisons on cost, coverage and eligibility, with the sources behind every claim. Start with your situation, or pick a head-to-head.
Best for your situation
Start where your life is today.
Each page ranks the main options for one situation and explains why, with the trade-offs.
- Self-employedCompare the smartest coverage options for freelancers, contractors, and 1099 workers who buy their own health insurance.
- FamiliesThe strongest coverage options for households with children — balancing comprehensive benefits, pediatric care, and cost.
- Under $300/monthRealistic coverage options that can come in under $300 per month for an individual — and the trade-offs of each.
- Small business ownersCoverage strategies for small business owners and their teams, from group plans to individual-market approaches.
- Chronic conditionsFor anyone managing an ongoing condition, the coverage that protects access to specialists, medications, and predictable costs.
- Healthy individualsIf you rarely see a doctor, the lowest-cost ways to stay protected against a major, unexpected medical event.
- Early retireesBridging the gap to Medicare at 65 — the coverage options that work best for people who retire early.
- Remote workersNationwide-friendly coverage for people who work remotely, travel often, or move between states.
- StudentsAffordable coverage options for college students, from staying on a parent’s plan to catastrophic and campus plans.
Health sharing
Cheaper per month. Not insurance.
Sharing programs trade a lower monthly cost for real limits: pre-existing conditions wait, and no bill is guaranteed. See how they compare with insurance, then see every program ranked for your answers.
Head-to-head
Popular comparisons, side by side.
- ACA plan vs Health sharingComprehensive, subsidy-eligible major-medical insurance sold on the government exchange.
- PPO vs HMOA flexible plan that lets you see any provider, with the best pricing in-network and no referrals needed.
- PPO vs HDHP + HSAA flexible plan that lets you see any provider, with the best pricing in-network and no referrals needed.
- ACA plan vs Short-termComprehensive, subsidy-eligible major-medical insurance sold on the government exchange.
- ACA plan vs DPCComprehensive, subsidy-eligible major-medical insurance sold on the government exchange.
- Medicare Advantage vs MedigapPrivate all-in-one Medicare plans that often bundle drug, dental, and vision — with networks and an out-of-pocket cap.
- Sedera vs ZionA non-faith-based medical cost-sharing community built around a per-incident "Initial Unshareable Amount."
- Medi-Share vs SamaritanOne of the largest Christian medical cost-sharing programs, organized around an Annual Household Portion.
- Sedera vs CrowdHealthA non-faith-based medical cost-sharing community built around a per-incident "Initial Unshareable Amount."
- ACA plan vs CatastrophicComprehensive, subsidy-eligible major-medical insurance sold on the government exchange.
Before the rush
Narrowed it down? Check it with a person.
A licensed advisor can price the options you are weighing for your household and state. Free, no obligation.
- Free to use
- No account needed
- Every card says if we earn a fee