This question features the least amount of drama on the whole list. For the fourth year in a row – half the lifetime of the Readers Choice Awards themselves – this same one-two combo sweeps the category again.

worth noting:

1) No one voted for the federal government, which is encouraging (more on this later); and, 2) Even more encouraging, this is a pair of carriers at the forefront of the wellness movement.

2. Which carrier offers the best consumer-driven health care products?

Health savings account-eligible health insurance plans cover more than 13.5 million Americans, at last count. That's nearly a 20 percent jump from last year. Total assets sit right around $12.4 billion. Not bad for a market that wasn't even around a decade ago.

3. Which carrier offers the best vision coverage?

Here's where things get interesting.

Nearly every year, we ask about either vision or dental or both. And every time we talk about eye care, VSP wins in a walk away. This year's clearly no different, with their nearest rival finishing more than 30 points behind.

You might have noticed Aflac finished second with a Roger Maris-inspired notation. That's because it actually finished third if we lumped all of the variations of "don't tell, don't sell" and counted them. See chart. This tells me two things: A lot of clients aren't getting the best service they could from their brokers, and there's a lot of room for growth in this market.

4. Which carrier offers the best dental coverage?

The dental category's a lot like our first. I went back and counted over the years and these two are as reliable as they come. Not a lot of market movement in this niche.

And in a development much like the one above in the vision space, the "see no dental, sell no dental" crowd actually ties for third with another carrier. Again, there's a David Letterman-sized gap for improvement here for carriers and brokers alike.

5. Which carrier is best prepared for health care reform?

Health reform—at least in its current form—is deep into its terrible twos. So who's ready for the next couple of years' worth of changes, a shifting landscape and some questionable roles for all of us going forward? Our reader clearly think Colonial is, with more than 40 percent of the vote. (And, of course, anyone doing business in Massachusetts certainly has a leg up.)

Overheard:

1) "Not sure. It doesn't seem like they're setting up for when brokers won't be involved with them anymore."

2) "Really prepared? None. All are in wishing mode right now."

Favorite answer:

Obama Inc. (not so sure about this, based on the latest poll numbers)

6.) Which enrollment company offers the best service?

In the biggest blowout of this year's competition, Colonial took nearly 60 percent of the vote, earning a better margin of victory than most presidential races.

Problem is, neither one of these carriers is strictly an enrollment company, but this is a problem we run into every year. The people at Colonial clearly know what they're doing when it comes to enrolling.

*A whopping 13 percent of respondents don't use enrollers.

7.) Which carrier is best at working with brokers?

Overheard:

1) "Assurant and MetLife work very hard at their services to agents."

2) "They all have flaws. Aflac is good sometimes and is bad other times."

 8.) What company does the best job of embracing new technologies?

Overheard:

"None—Insurance companies and banks are slowest to implement technology. (They) will never be seen as innovators."