Best Health Insurance Options
Compare health plans by premium, deductible, network fit, and out-of-pocket exposure before choosing coverage.
Blue Cross Blue Shield
Major CarrierBest for: Widest doctor network
UnitedHealthcare
Major CarrierBest for: Largest provider network
Aetna Health
Major CarrierBest for: CVS pharmacy integration
Oscar Health
InsurtechBest for: Tech-forward plan management
Cigna Health
Major CarrierBest for: International travel coverage
Rates shown are estimates for a typical applicant. Actual premiums vary by age, location, health, and coverage details. Montro does not sell insurance. Clicking "Get Quote" takes you directly to the insurer's website.
Life Insurance Needs Calculator
Estimate how much life insurance coverage you need based on your income, debts, and existing savings.
Life Insurance Preview
Recommended (12×)
$960k
Annual income
$80,000
Est. monthly (12×)
$480/mo
Six types of insurance everyone should know
Typical monthly costs and what each covers
Term Life
Pure death benefit for a fixed term (10-30 yrs). Cheapest way to protect dependents.
Auto Insurance
Required by law. Covers liability, collision, comprehensive, and uninsured motorist.
Homeowners
Covers dwelling, personal property, liability. Required by mortgage lenders.
Disability
Replaces 60-70% of income if illness or injury prevents you from working.
Umbrella
Extends liability coverage beyond auto/home limits. Cheap peace of mind for high-earners.
Health
Covers medical expenses. Employer plans, ACA marketplace, or Medicare for 65+.
Smart insurance habits
How to get the right coverage without overpaying
Term vs. whole life — don't be sold whole life
Whole life premiums are 5-20x higher for the same coverage. The cash value grows slowly and the internal rate of return is typically 1-2%. 'Buy term, invest the difference' almost always wins.
Raise your deductible to lower premiums
If you have a $10,000 emergency fund, you can self-insure small losses. Raising your auto or home deductible from $500 to $1,500 often saves $200-$500/year in premiums.
Bundle home + auto for 10-25% discount
Most insurers offer multi-policy discounts. Switching both policies to a single insurer at renewal time is one of the fastest ways to cut insurance costs.
Insurance is for catastrophes, not conveniences
File small claims and your premium rises at renewal — often costing more than the claim was worth. Save insurance for losses you genuinely can't absorb out-of-pocket.