Get a Health Insurance with Citrus North


A lot of people have health insurance through their employers; However, some people — like seasonal workers, freelancers, small business owners, and those not employed–by their coverage by purchasing their insurance through the Federal Marketplace by buying directly through insurance companies or a broker or agent during open enrollment. Open enrollment for 2022 begins on the Monday of November. 1st, 2021, and runs through Saturday, Jan. 15, 2022. Suppose you wish to have coverage to start in January. 1st 2022, you must join the plan before Dec.15, 2022. Health insurance with Citrus North is hassle free to apply.

Are you unsure where to begin selecting the most suitable health insurance policy for you? These are the top health insurance companies in 2021 that you should consider when searching for insurance in the open enrollment period.

To find the best insurance companies for health in 2021, The Forbes Health editorial team evaluated U.S. insurance companies that provide plans across the country based on the number of states they provide coverage for, the size of their network of providers, the kinds of programs they offer and their rates of entry for copays for specialists and physicians and their standing with organizations like A.M. Best (which evaluates the financial health of a company) as well as The Better Business Bureau (which focuses on the satisfaction of customers). Check out the list below to determine which companies cut this list.

How Is Health Insurance?

It’s a type of contract that will require an insurer to cover part or all healthcare expenses in return for an annual fee. “It’s to protect your financial ruin if you do run into an emergency,” states Molly Moore, co-founder, and chief health plan officer of health insurance company Decent. “Some individuals purchase health insurance because they’re dealing with health problems that must be addressed while others get health insurance because they’re afraid of something that might happen that they don’t have a plan for,” she says.

Lacking health insurance coverage can be a risk to the likelihood of receiving medical treatment and a chance for your finances, according to Noah Lang, chief executive officer and co-founder of Stride Health, a benefits platform for independent workers. He says that the people who don’t have insurance (or are under-insured) are more likely to seek medical attention and could be at risk of their health.

Health insurance holders tend to be more likely to visit the doctor whenever they need to, as they are aware of how much the cost will be, according to Katie Rogers Turner, executive director of the Family Healthcare Foundation in Tampa Bay, Florida. They’re more likely to follow up on any medical issues their doctors can spot, like high blood pressure, before they become more severe and are more likely to get prescription medications since they’re accessible at a cheaper cost.

Health Insurance Coverage

All health insurance plans offered on the federal market comply with the Affordable Care Act (ACA), which means ten types of services cover them. The essential benefits that need to be protected include:

  • Outpatient treatment
  • Emergency services
  • Hospitalization, like for surgery or more extended stays
  • Maternity, pregnancy, and newborn treatment before and after the birth
  • Health care for the mentally ill and addiction disorder services
  • Prescription drugs
  • Rehabilitation and habilitative assistance and devices for people with disabilities, injuries, or chronic illnesses
  • Laboratory services
  • Wellness and preventative services, such as cervical cancer screening, as well as HIV counseling and screening
  • Services for children, such as dental and vision treatment

In addition to these significant advantages, the benefits a plan offers will differ. This is why it’s crucial to understand the small print.

How Much Does Health Insurance Cost?

The cost of health insurance can vary drastically. However, certain elements could increase or decrease the price. According to, the top five factors which can raise the amount you pay per month are:

  • Age. Costs can be as much as three times more expensive for those who are over 65 as compared to those who are younger.
  • Your location. The place you live can affect the amount you pay based on the cost of living and state regulations.
  • Tobacco use. Users of tobacco products could be assessed at least 50% extra compared to those who do not.
  • Suppose you’re looking for coverage for yourself or as a family. If you’re signing up for the plan to provide coverage for dependents, be prepared to be costed more.
  • Your plan’s category. There are four distinct “metal levels” of programs that you can choose from bronze platinum, gold, and silver. These categories will determine how to share your cost with your insurance provider. For instance, bronze plans typically have lower monthly fees and higher prices for out-of-pocket expenditures than other tiers, and platinum plans generally have the highest rates and the lowest out-of-pocket cost.

According to Lang, while health insurance is usually thought to be costly, there are ways to receive help in paying for coverage. The most recent Stride survey revealed that 80percent of gig workers who believed they could pay for health insurance were not conscious of the tax credit, which could help with low-cost insurance. In the meantime, the author adds that the American Rescue Plan Act of 2021 (also known as the COVID-19 Stimulus Package) has made insurance much more affordable. Stride data show that more than 40 percent of gig workers enrolled in health insurance by 2021 paid less than $1.50 per month.

The ACA provides financial aid, which reduces monthly premiums and cost-out-of-pocket expenses to help reduce the cost of health insurance. Tax credits for tips can be, for instance, dependent on the income of the household. “You likely qualify for aid,” says Lang. In the American Rescue Plan Act of 2021, Americans who previously qualified for subsidy assistance are now eligible for additional funds, while those who could not qualify once now apply, he states.

How to Select the Best Health Insurance Plan for You

There are a few things you can consider to ensure that you’re selecting the right health insurance policy for you, such as:

  • What are your total expenses be? Alongside the cost of your monthly premium to your insurance provider, think about the deductible you pay and the amount your out-of-pocket expenses might appear to be. “Some individuals would prefer to pay as little as they can and would be happy having a higher deductible,” Turner says. Turner, Some prefer to have the opposite.
  • Are your favorite doctors “in-network”? Every insurance company has an exclusive network of providers. Before you sign up for an insurance plan, make sure that the doctors you wish to see are in the insurance company’s network. “As a mother, I would never wish for my pediatrician not to be part of my system,” states Moore. “If you’re a fan of your OBGYN or family physician, determine if they’re in-network before signing in, as it could be an impact.”
  • What kind of plan do you have? If you enroll in a Health Maintenance Organization (HMO) plan, you will not be covered when seeking outside-of-network services except in an emergency. If you choose the Point of Service (POS) plan, you’ll need to seek an appointment from your primary doctor to visit an expert. The type of plan you select will impact the cost of your out-of-pocket expenses.

If you’re having trouble figuring out which plan is the best for your situation, Turner suggests seeking the assistance of a healthcare insurance navigator. These experts are trained to help determine if you are eligible for financial aid and help you evaluate plans. To locate the health insurance navigator, go to and type in your zip code. The services are “free as well as confidential and accessible to everyone in the world,” says Turner.

The other option is to reach out to an insurance broker for health. It’s usually cost-free as these brokers receive compensation from health insurance providers. “It’s not a risk for anyone to ask for help,” she adds, and it could be beneficial to be more confident about your choice.


To find the most effective health insurance companies in 2021, The Forbes Health editorial team evaluated the insurance companies offering plans across the country about:

  • Which states do they offer coverage?
  • Network size of the provider
  • The number of plans available
  • The most affordable costs are offered in terms of doctor as well as specialist copays (though they differ depending on the plan)
  • How organizations such as A.M. Best ranked them based on their fiscal health (which affects the reliability of an insurance company in terms of paying claims)
  • How organizations like those of the Better Business Bureau graded them about consumer feedback

We focused on only providing general descriptions of the firms and their standing. To give specific guidelines for a particular plan, it is crucial to consider the ZIP code and other demographic information of the person seeking insurance coverage. For this, we suggest using’s Plan finder or seeking advice from an expert, impartial insurance agent.


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