Summary of Health Insurance Sites
A total of 11 features are shared among most of the sites inventoried:
|COMMON FEATURES||BENEFITS TO USERS|| % OF SITES WITH FEATURE|
|P 33||View Results Without Contact from Telemarketers||Instant access to information and fewer barriers to viewing results|
|P 4||Filter Insurance Carriers by Postal Code, City or State ||Makes results more targeted, meaningful, and relevant|
|P 5||Enter the Ages of Household Members||Provides users with more personalized, accurate information|
|P 9||Shows Cost of Insurance Plan||Easier for users to comparison shop and make budget-based decisions|
|P 7||Uses Household Income to Determine Net Cost of Insurance||Provides users with more personalized, accurate information|
|P 12||Shows In-Network/Out-of-Network Deductibles, Co-Pays and Out-of-Pockets||Provides users with more personalized, accurate information and makes it easier to comparison shop|
|P 32||Customer Service Center Available via Telephone or Chat ||Live support makes it easier for users to get answers to specific questions |
|P 3||Information is Two Years Old or Less (from 2015, 2016, or 2017)||Recent data is more relevant for making health care decisions, and instills confidence and credibility in the data and the sponsoring organization|
|P 13||Shows Cost-Sharing Percentages and Dollars for Various Prescription Drug Tiers ||Allows users to drill-down to detailed information and avoid unexpected financial surprises for regularly used prescriptions |
|P 23||Filter Results by Metal Level (Platinum, Gold, Silver, Bronze)||Easier for users to comparison shop|
|P 14||Links to Detailed Insurance Plan Information ||Offers users the ability to drill-down for more detailed information |
Health Insurance Sites with the Most Features
Of the 36 sites and 33 features inventoried, Covered California and MNsure incorporated the most features, 29 and 25 respectively.
From a broad perspective, these tools are available in Spanish, allow sorting and filtering by various criteria, and provide online sign-ups for insurance and other important alerts.
However, they distinguish themselves from other tools by showing in-network providers; displaying costs with estimated costs of doctor visits and treatments, and costs of insurance plans after government subsidies; and providing quality ratings per insurance carrier. The tools also allow users to enter prescription drugs used to determine costs after insurance and see the cost of insurance with the net cost of prescription drugs. On the contrary, neither of these tools have iOS/Apple or Android mobile apps.