Our Mission: Honest Health Insurance Guidance
We believe everyone deserves straightforward, expert guidance on finding the right health coverage - without the confusion of insurance industry jargon.
The average American family spends over $22,000 per year on health insurance and out-of-pocket medical costs. Yet most people don't fully understand their plan - what's covered, what isn't, and whether they're getting good value for their premium dollars.
We started Health Plan Rate Quotes to fix that. Our editorial team includes former insurance brokers, healthcare policy analysts, and patient advocates who understand both the financial and human side of health coverage.
Every plan on our site is evaluated based on real premium data, network breadth, claims satisfaction, out-of-pocket cost structures, and feedback from actual plan members.
We earn commissions through affiliate partnerships - that's how we keep the site free. But our editorial decisions are made independently, and no insurer can pay for a higher ranking. If a plan doesn't deliver real value, it doesn't make our list.
What We Stand For
Data-Driven Ratings
We analyze real premiums, deductibles, copays, and out-of-pocket maximums across hundreds of plan options in every state.
Editorial Independence
No insurer can buy a spot on our list. Rankings are based on coverage value, network quality, and member satisfaction.
Plain-Language Explanations
We translate insurance jargon into clear, actionable guidance so you understand exactly what you're buying.
Annual Updates
We refresh plan data and rankings during every Open Enrollment period as premiums, networks, and benefits change.
Meet the Team
Dr. Amanda Lewis
Editor-in-Chief
Former healthcare policy analyst with 15 years in health insurance. Licensed broker in 8 states.
Kevin Tran
Lead Plan Analyst
Actuarial background specializing in health plan pricing. Evaluates every plan's true cost structure.
Rachel Simmons
Member Experience Specialist
Former patient advocate who evaluates plans based on what matters most - the claims and care experience.
Our Editorial Standards
Every piece of content on Health Plan Rate Quotes goes through a rigorous editorial process. Our reviews are written by subject matter experts, fact-checked by editors, and updated regularly to ensure accuracy.
We participate in affiliate programs which means we may earn a commission when you click through our links and make a purchase. However, this never influences our rankings or recommendations. Our editorial team operates independently from our business partnerships.
If you ever spot an error or believe one of our reviews needs updating, please don't hesitate to contact us. We take accuracy seriously and will investigate promptly.