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eHealthInsurance Review

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UPDATED: Nov 30, 2018

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eHealth is a not an insurance company, but a broker that allows visitors to the site to shop for insurance plans from a variety of big-name insurance companies in one place. They are one of a few such online services that partner with the government health insurance exchanges in order to assist individuals in purchasing health insurance under the Affordable Care Act (ACA).

About eHealth

Founded in 1997, eHealth was a frontrunner in online shopping for health insurance; it was through eHealth technology that the first online sale of a policy took place. The company allows customers to compare details of coverage and prices for health insurance policies ranging from major medical to supplemental coverage.

In 2013 they joined several other similar online services in partnering with Healthcare.gov to enroll those applicants eligible for subsidies under the ACA in health care plans. The eHealth site allows insurance shoppers to look at and purchase plans both on and off of the healthcare exchange.

In addition to individual major medical coverage, eHealth also brokers plans for short-term medical, travel insurance, dental and vision plans, Medicare, and even pet insurance. They also assist small businesses with group health plans. eHealth is licensed in all 50 states and the District of Columbia. They offer more than 10,000 plan options representing over 180 insurance companies, which means a lot of plans to choose from.

In addition to assisting people with buying health insurance, eHealth has funded and published multiple studies on health care costs and have also been active in pushing for affordable health care options.

eHealth is headquartered in Mountain View, California and operates under both the eHealth and eHealthInsurance names.

Products Sold Through eHealth

eHealth is a broker and does not actually write or administer any insurance policies. As a result, we are unable to provide any details on plan options or pricing in this review. Instead we will provide an overview of what types of plans are sold through the site.

Major Medical Health Insurance

eHealth offers a wide range of major medical health insurance plans, which will vary depending on the state in which you live. Among the big names with plans available through the site are Aetna, Cigna, Humana, Kaiser Permanente, and United HealthCare.

As of the time of this review, eHealth is able to assist customers with finding plans under the cost-sharing reduction subsidies (CSR) rules through the ACA. With changes taking place in the healthcare laws, however, it remains unclear whether or not these plans will be available in the future.

eHealth also assists with the setting up of a Health Savings Account (HSA) that can be paired with an HSA-compatible health insurance plan.

Other Health Insurance

In addition to the main plan that covers individuals and families for annual and emergency health care costs, eHealth can help with shopping for temporary health insurance plans. That includes short-term medical that provides coverage for gaps in major medical coverage. Short-term coverage is offered by companies like UnitedHealthOne, The IHC Group, and Tokio Marine.

They also assist with purchasing of travel medical insurance to provide coverage while traveling abroad. Travel and international health insurance coverage are offered in partnership with another website, Insuremytrip.com.

Small Business Group Plans

Among the providers available through eHealth are Anthem, Humana, and UnitedHealthCare to set up a group health insurance plan for small businesses. eHealth can assist companies with as little as one employee to provide health coverage.

They also offer group dental and group vision plans from some of the biggest names in the business, including large insurers like BlueCross BlueShield and focused vision insurance companies like VSP.

Medicare

eHealth offers broker services for all types of Medicare insurance coverage. That includes Medicare Advantage, Medicare Supplement, and Part D prescription drug plans.

In recent years eHealth has been making major strides into the Medicare market most recently acquiring GoMediGap, an online platform tailored to those seeking Medicare Supplement Insurance.

Supplemental Insurance

eHealth has a long list of supplemental policies as well, allowing shoppers to compare rates as well as coverage options from multiple different companies. Among the choices available are:

  • GAP Insurance
  • Accident Insurance
  • Critical Illness Insurance
  • Medical Indemnity Insurance
  • Telemedicine
  • Discount cards for prescriptions and more

Other Insurance

In addition to medical insurance, shoppers can price out and compare life insurance and even pet insurance on the eHealth website.

Again, eHealth acts as a broker and helps customers check out their options before buying.

eHealth Services

eHealth is more than a search engine for insurance plans. The company offers their customers a variety of services.

As an unbiased broker, eHealth is not beholden to any one insurance company, and they do not make recommendations for one company above the other. They provide a customer service line where insurance shoppers can ask a variety of questions and get answers to help choose the correct plan. Agents will help explain coverage, deductibles, and copays and can guide shoppers towards the plan that will work for their budget and needs. All eHealth customer service representatives are licensed health insurance agents, but they do not work for any one company.

Agents are also available to provide assistance after the purchase of a policy, and they will interact with the insurance company on the customer’s behalf. This includes clearing up coverage issues, billing questions, and even assistance with claims. They offer a 24/7 customer service line for questions.

Rates

Since eHealth is a broker and not an insurance company, they do not set any of the rates that are available through their policy search. All of the rates are set by the individual companies and are the same rates that can be found on each company’s website (or through the health insurance exchange) directly.

There are no fees charged by eHealth for the use of their site, and no additional charges; customers can use the service without cost to find and compare health insurance plans.

Claims

Again, as they are not actually an insurance company, eHealth does not handle any claims. All claims are handled by the insurance company providing the coverage directly.

eHealth will, however, assist customers with questions and issues and they will, as mentioned above, interact with the insurance company on the customer’s behalf as needed after the plan is purchased through their site.

Ratings and Consumer Reviews

eHealth has an A+ rating with the Better Business Bureau (BBB), with a total of 18 complaints on file in the past three years. A number of reviews on the site report harassing phone calls made by agents of eHealth; the response from the company, however, indicates that these calls did not actually originate from the company but were fraudulent. The issue appears to have been addressed.

There are 14 reviews on the company’s Facebook page, with an overall 2.2-star rating. However, again several reviews mention the same issue with fraudulent phone calls, and several of the negative reviews are not actually related to the company’s services and can be set aside.

Overall, eHealth has a good reputation, and we did not find any red flags or issues of concern for this company.

The Bottom Line

If you are shopping for health insurance, whether it’s a new individual plan or supplemental coverage, eHealth is a good way to get a lot of comparison rates on plans from multiple companies quickly. They are the pioneer in the online health insurance sales market and have a solid reputation. If you’re not sure where to begin with the health insurance search, eHealth is a good starting point.

For a list of companies that we recommend, visit our Best Insurance Companies page.

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Review Information

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About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

40 Comments

  1. I visited their site to research plan information.

    Then I called the company I chose and set-up my own plan.

    Right now I get letters and emails telling me that they are my healthcare agents.

    The company I signed with says they have no affiliation with them.

    I have tried to get rid of them and it’s like they don’t understand I don’t want their services.

    All I did was visit the site for info, I did the rest myself.

    Any ideas on how to get rid of them?

    Reply
    • If you used their web site to locate a health plan and then signed up with a plan you pretty much signed up with both parties.

      If you only browsed their web site then opened a new window closing their window and then signed up with an insurance company they have no binding contract for services rendered.

      They can only get fees from the health insurance company you signed up with, not from you personally.

      You can unsubscribe from any service company by going to the bottom of any e-mail they sent you and look for unsubscribe, then click on it.

      Make sure you read that page very carefully before hitting unsubscribe, it can sometimes try to trick you.

      JG

      Reply
  2. My spouse has Mutual of Omaha (MoO – not a broker).

    I called e-Health yesterday and was told to call or email the rep. if we had questions (I’ll be 65 soon).

    I went through their plans and narrowed it down.

    e-Health is a little cheaper than MoA but with no response from this company, it’s risky.

    I did ask the rep. type more info so I could show my spouse and get us both on the same insurance because we’d each save 12 percent.

    Instead, I got two quotes again today that were worded exactly the same way as yesterday’s response.

    I said today I’m concerned about the duplication of information and what appeared to be an auto-generated response.

    I called first and left a message (again).

    If I don’t get anything today, it’s too risky going with this broker.

    I find this a ridiculous way of doing business.

    These people are the face of the insurance companies they represent.

    If they fail to deliver by being unresponsive, what does that tell you about how the company will be. Rhetorical.

    Reply
  3. My phone was assaulted by an army of salespeople trying to sell me insurance before I even completed filling out the contact information screen!

    Within the first 20 minutes, I was bombarded with over 30 phone calls from rude, pushy salespeople.

    Not one of them announced the company they represent, and no one knew how to address an adult.

    This website distributed my phone number without my authorization, and before I selected an option to submit my data.

    I intend to follow up with the BBB and the “Do not call registry”.

    Reply
  4. On the phone through e-Health, at 9:30 am February 28th, I enrolled into Humana Medicare Advantage plan . E-Health delayed the forwarding my application for enrolment for 12 hours.

    Resulting in Humana not receiving my application until March 1st. Hence they would only make my plan effective April 1st.

    In the meantime without beginning enroll in the plan as of March 1st I have no coverage for my $8,000 monthly cost for my prescriptions.

    Secondly, e-Health agent misrepresented their relationship with Humana.

    When I first called I ask if I was talking to Humana she replied no Humana outsourced the enrollment to e-health.

    Reply
  5. I used e-health twice to get my insurance company for 2019 which was at first Wellcare and then I switched to
    United Healthcare in February. They told me when I was talking with them on the phone there would be zero deductibles for my new plan with UH, but today I am being told by UH I have to pay a $350.00 deductible for tiers 3&4 of my prescription plan. That’s a big chunk of money when you’re on a fixed income!
    Thanks a lot e-health!!

    Reply
  6. Yes, exactly the same here. Trust me, they do NOT care about your being on the “do not call” registry. They are about as unethical as any company comes & the calls will be incessant DAILY.

    They are evil, pure evil & criminals of the worst sort.

    Reply
  7. ehealthinsurance is a complete fraud. They accidentally lose cancellation paperwork. Had to block from a credit card because they kept charging.

    Reply
  8. I was on the call with your rep just now to talk about available Medicare Advantage plans that cover dental, but the stuff was so unhelpful, they put me on hold and came back after 10min asking me to give them email to send me medical plans they cant help me chose which one is best for my situation.

    Reply
  9. Terrible. Must be a scam. I signed up because I needed insurance between jobs. I got an email that said the policy was approved and I should log on to access the ID card. I try to log in…nothing. The website just shows the policy “pending” – although of course, they charged my credit card immediately. My attempts to contact them via email and chat were wholly unsuccessful, with multiple agents telling me “they were inexperienced” with the product or “didn’t know” what was going on with the policy.
    Strongly recommend avoiding.

    Reply
    • I think it is a scam. I received a letter indicating I was inquiring about health coverage. I have not. How can this be stopped?

      Reply
  10. I called to get a quote for Medicare insurance AARP complete. I talked to the lady and she was very pleasant in the beginning then I told her that I was getting quotes and comparisons she immediately got upset and said to me and I quote” I have people trying to get insurance and I needed to sign up right away. ” And that she gets paid for getting someone to sign up. I don’t care if she gets paid or not. Not my problem and I do not like pushy salespeople to try and get you to sign on right now. That will never happen, the plan was great but I don’t like to be told what to do. Experience with E-health sucks so I will take my business somewhere else. I will tell others not to sign up. Tried to give them feedback but they never bother to answer my call. Bad business. The sales rep name was [Redacted] [Redacted] she sucks.

    Reply
  11. I happen to look at this website for information purposes only. I am being bombarded with at least 20 calls a day soliciting insurance quotes and policies. Do NOT do business with this company. It’s a scam. I’ve called them and asked them to stop and they told me I must have visited a different website and provided my information to someone other than them. . . even though EVERY SINGLE AGENT that calls identifies themselves as an E Health Agent.

    Reply
  12. Do not give out your information!! 3 months of harassment! Calls came in at all times and all days. I am on the do not call list and I have NO IDEA how this company got my information. I would not trust them with ANYTHING! Finally spoke to a “supervisor” in Egypt…we’ll see if the calls stop.

    Reply
    • The advertising is deceptive. The President signs the letter as President,Medicare that would give the unsavvy person the misleading impression that he is President of the Federal Medicare Program not the President of a Medicare division of eHealth a private entity. This coupled with the internet filled with poor reviews makes it a no brainer to avoid interaction with this entity.

      Reply
  13. Ehealthinsurance provides worst customer service. My employer did set up auto payment for us (Horizon Omnia) and for January they deducted the premium from my bank account. But for February they neither deducted the premium amount nor has sent any bill. When i called them they could not solve my problem instead repeatedly telling me that auto set up is not done. After that they told me they can process the premium payment with an extra charge of $25.The customer service representatives do not know anything and are worthless. Please avoid ehealthinsurance!

    Reply
  14. This company has been harassing me for 2 months now. I have told them to take my number off their calling list and they hang up on me. I have health insurance. Leave me alone.

    Reply
  15. I had a horrible experience with ehealth. What you are signing up for is very misleading through them. I wanted 3 month of healthcare so I was covered until my new employer’s plan kicked in, so I signed up for 3 months, one-time payment through ehealth. Well, the policy I actually ended up in was a 6 month policy that auto pay enrolled me and gave authorization for the auto pay for 6 months just for signing up through ehealth. Now nothing can be done by my credit card company or by the actual insurance company. I am out $1,000 in healthcare when all I thought I signed up for was not even $200. Terrible experience.

    Reply
  16. I had a very frustrating experience through ehealth. I applied for a dental plan that I ended up withdrawing because it was the wrong one. But I was still charged for it and no one seems to be able to fix the wrong charge. Then, more frustrating was that when ehealth sent me an email that I was approved for the dental plan that I really wanted (the second one I applied for), they said I needed to call the insurance company to make a payment. The number they gave me on the e-mail was the wrong number. And, once I figured out the right number to the insurance company, I was on the phone for over an hour and passed around to multiple individuals as no one could find the application for figure it out. There was no policy number or other number provided by ehealth to identify the application with the insurance company. In the end, the insurance company finally figured it out, but I tell you it was a very long and frustrating experience. I would have been much easier just to contact the insurance company directly and purchase directly from them. Lesson learned.

    Reply
  17. Just signed up for a policy with United Health (the more expensive one) and I was charged already, but the policy doesn’t go into effect April 1st. What a crappy way to do business. I have the money so that’s not the issue. I am pissed because the have charged me for something I don’t currently have. Talk about a crappy company and bad way to do business. They charge you when you application is approved, now when coverage starts. So in other words, they get a free ride with my money and yours until the policy starts—what a load of crap

    I am already looking for another company–

    Reply
    • Hi Chris,

      That is pretty standard across the board within the insurance industry. It ensures you have coverage on the first day it starts. If they waited until the beginning of the policy date, there could be a lapse in coverage if the payment source was rejected or declined.

      Best,
      Eric Stauffer

      Reply
    • ALL insurances charge in advance. This is the way its always done. They will always be a month ahead in payment so that if you cancel they are not out the money

      Reply
  18. People, pay close attention to what you are reading about ehealth… Not only can you not get through when calling, but they don’t respond by email, or live chat tells you to contact your agent.

    I applied in December, this is now February, I haven’t gotten my cards, now they send me a bill for march telling me the balance is 92.00 when I signed up it was 85.00. I was never informed about an increase. The communication with this company is the worse…. Go elsewhere, do yourself a favor and spare the drama…. Did I say I still haven’t gotten my cards.

    Reply
  19. Live and learn, I and dealing with ehealthinsurance.com trying to get an application status update and information is a JOKE!!! They tell you to call this number and that number and no one there seems to give a flying flip what happens after they completion of the application. I was told it takes 2 weeks, its been over 4 weeks and I am being told it was sent to Cigna for underwriting just last week. SERIOUSLY, it took 4 weeks to send to underwriting???? There is a huge disconnect between ehealth and insurance carrier so getting an update is impossible. If you try contacting your agent they give you the run around and don’t be surprised if they hang up on you. They have customer service reps but they aren’t too nice, really rude – no help at all. THINK TWICE ABOUT USING THIS COMPANY!!!!! I highly suggest you deal with a local agent that can walk an application through and keep you updated throughout the process. NOT HAPPY AT ALL WITH THESE JOKERS……………….

    Reply
    • today it began at 7:08am it is now 1:15pm i receive over 25 calls asking me the same thing am i interested in health care insurance. that is crazy who does that? Please please stop calling my home I AM NT INTERESTED IN ANY INSURANCE and if i was i would not pick this one…they were rude and would not let me speak to a supervisor….telling each one I’m not interested only to fall on deaf ears…HELP ME PLEASE STOP CALLING MY HOUSE….[Redacted]

      Reply
      • They do the same to me! 25 calls in the last hour. That is harassment! How do I stop these calls? These people do not listen!

        Reply
  20. How long does an application take to get approved? I submitted my application on November 1st, after talking to a representative and was under the impression within 24 hours I would have my new plan. For some reason my application was not sent to the carrier until 11/05 and it is now 11/11 and my application still says pending! A little frustrating as I thought coverage would go into effect immediately.

    Reply
    • Hi Melissa,

      The applications (from my experience) can take up to a few weeks to get all the way through, as long as their are no hang ups. What you are describing is similar to what my experience has been with eHealthInsurance. At least that is how it is with a standard health insurance plan.

      If you are not comfortable waiting until the policy is approved, you may be able to purchase a short-term health insurance plan to fill the gap between application and approval. These are usually pretty expensive and only offer limited coverage, but they can be a life-saver if something big happened. I believe that eHealthInsurance sells them through their website, or you can try contacting the insurance company you are currently in the application process with and see of they can sell you a short-term policy until the full policy is approved.

      Best,
      Eric Stauffer

      Reply
  21. I used them for help choosing a part d drug plan- they were so helpful and knowledgeable that I am comfortable reviewing my current Medicare supplemental coverage for on that is more appropriate than the overpriced one that was suggested to me by a government agency disinterested party. (office for the aging) that simply is NOT a good fit. In other words, I’m more comfortable with this for profit company!

    Reply
  22. I filled out an application requesting an insurance plan. When I received approval it was not for the plan I signed up for. I called eHealthinsurance and explained this to them. The lady at customer service looked at my application and said an error had been made and that indeed I was correct and had been signed up for the wrong plan and that she would have it looked into and fixed. The next morning I get an email saying eHealthinsurance and the insurance carrier had both verified that the indeed the I had signed up for the plan I claimed I hadn’t signed up for. So I had to call eHealthinsurance again and basically force them to take action since as soon as they pull up my application they can see an error has been comitted. I also had to call the insurance carrier and make sur the issue was being fixed because I cannot trust eHealth insurance. Bottom line is this feels like they tried to pull a bait and switch and when they got caught they did nothing to resolve it except try and tell me I signed up for something I didn’t. I wish I had read these reviews before signing up with these guys, and would also speculate Eric Stauffer isn’t a consumer advocate but a shill for eHealthinsurance because he doesn’t seem genuinely concerned with the fact every review on his page here is negative towards eHealthinsurance.

    Reply
    • Hi Chris,

      Thank you for taking the time to leave your feedback.

      I cannot vouch for eHealthInsurance and how they handled your issue, but I would like to respond to your criticism that I am a “shill” and ignore the negative comments posted on this review. (For those unaware, a “shill” is someone who publically promotes a person or company while hiding the fact they secretly work with or for them).

      The majority of actual user comments left on ExpertInsuranceReviews.com and other insurance websites are in fact, negative. The reason for this is an upset customer is much more likely to hit the internet in an attempt to spread their experience than someone who is receiving adequate service. In addition, the majority of consumers that land on ExpertInsuranceReviews.com are in the process of changing their insurance company so there is often a negative reason for leaving their current or previous provider.

      All of the user comments on this website are moderated, which means they are read and approved by me or an editor prior to actually being published on the site. If the intent was to praise eHealthInsurance and only show them in a good light, the negative comments would be filtered out. In fact, it would be easier to simply delete your comment than respond, but that is not how we run this site.

      With so much misinformation on the internet these days, it really does pay to be skeptical. I understand that, which part of the reason I allow user comments on these reviews. While myself and my team go to great lengths to research and provide the best information we can about an insurance company, customer feedback is often a great addition.

      Again, thank you for posting your comment.

      Reply
  23. I do not recommend purchasing plans through eHealthInsurance at all. Their customer service representatives (both online and on the phone, and even including at least one supervisor) are incompetent at best. They keep repeating things that have no relevance to what you’re asking or referring to. They also are slower than dealing directly with an insurance company. I suggest looking at policies through eHealthInsurance and once you have one you would like to apply for, to go directly to the carrier rather than filling out the application through eHealthInsurance. It’s definitely not worth the hassle of dealing with incompetent customer service representatives. Horrible experience.

    Reply
  24. I have used ehealthinsurance.com in the past to locate medical and dental insurance without a problem. I recently used the website to locate dental insurance for my dentist and I was stuck with a plan that my dentist did not accept. There was a requirement to enter the dentist information, so I selected my dentist information from the list, but the site did not indicate that my dentist was not accepting that plan. A few days later my application was approved and still no mention of an issue with my dentist, it wasn’t until I gave the dental information to my dentist that I discovered they would not accept the insurance. The site should have kicked my dentist selection out as not valid for the plan I had selected when I completed and paid for the insurance. Needless to say, I had to cancel the dental insurance after paying the nonrefundable enrollment fee.

    Reply
  25. “eHealthInsurance can refer customers to health insurance companies in all 50 states and Washington D.C.”

    NOT true. I just spoke to them and they do not offer any plans in New York state.

    I asked them why their website advertises a plan in a NYC zip code and the agent told me she wasn’t technical support and did not know why the website said that.

    I would either not use this service that offers false advertising, or, I would definitely call them up before entering all your personal and medical info on their website.

    Reply
    • Hi Dany,

      I just ran a test on their website for different New York zip codes and it worked for me.

      Reply
  26. Insurance carriers pay brokers a commission from their standard prices and those prices are based on a person’s age, gender and home zip code and then rated up based on medical information. Commissions are a set percentage and are not negotiable. That being said, there’s no way for a broker to negotiate a different commission so that their customers can receive lower rates than everyone else. A customer’s rate is no different buying from a broker than from going directly to the insurance carrier. If ehealthinsurance.com is claiming that they can obtain lower rates than any other insurance broker, then they are rebating…which is illegal. To prove my point, I ran rates on myself through my agent’s website and ehealthinsurance.com and the prices are exactly the same for the plans reviewed.

    Reply
  27. DO NOT give this website your phone number!! They will put you on a mailing list and every insurance agent in the country will call you for months.

    Reply
    • Hi David,

      Are you positive you are referring to eHealthInsurance.com? I have personally used them on numerous occasions for my family medical and dental plans and have never received a single phone call from an agent. In fact, their privacy policy explicitly states that they will only share your information with an insurance company or agent that you have specifically applied to.

      eHealthInsurance Privacy Policy

      Reply
    • I agree with David. I am getting any where from 10 to 15 calls a day now. I even received a VERY unprofessional text from an ehealth female today. Her text started with “Hey “…really. Then the person put in things like “u” a couple of times instead of you and “Thx” instead of thanks. I’m 46 years old woman, she is not my friend nor am I a 16 year old girl texting with a friend. When I told her to not text my phone and told her to not contact me again as I prefer to not to do business with someone who is so unprofessional she actually had the nerve to send me a reply text telling me “Quit harassing me”. I contacted them about getting insurance for myself and this is what I got. I would have NEVER thought that I would start getting harassing text for my inquiry. If anyone with ehealth would like to contact her she said her name is Melissa and the number she texted me from is [Redacted]. My information was supposed to be private and now I’m being harassed. I tried to call and complain but of course no one could help me with that. I’m sure from all of the information above Eric Stauffer will try to make an excuse for this posting too. Eric…if you want to help then turn this person in for what they did.

      Reply
      • There are a great deal of apps you can use to block text messages & phone calls if your phone provider
        does not already offer that. Just type in text & call blocking in any search engine or play store.
        You can also go to the “Do not call registry” online and sign up for free. After so many days if they still harass you then you can actually sue them in court. My sister just won a settlement for over $1,200 for
        the same reason. Also go to this web page: How to Report a Harassing Call

        Reply

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