Ultimately, you are the one who determines what is the best insurance because you decide what right balance is between affordability and policy benefits.

If you choose a plan that covers everything i.e. doctors office visits, prescription drugs, preventative health benefits, maternity coverage, low deductibles, low co-pays as well as vision and dental benefits your monthly premiums will be significant.

On the other hand if you are young, healthy and use the health care system sparingly you could consider a plan that covers only the major health catastrophe. If that is too scary consider a plan with a higher in hospital deductible, higher co-pays for doctor's office visits and perhaps not cover prescription drugs.. Either of these approaches will result in a lower monthly premium. You then can use the monthly premium savings to pay for the occasional doctor visit or prescription and still come out ahead.

Some are going to suggest you go to their site so that they earn a few pennies on a "click through". Some are going to suggest going on line to get a quote but you probably already know that there is much more to health insurance than price. Some might even suggest a discount plan as the "best and cheapest" approach but that is not insurance at all.