The 6 Most Popular Email Providers and Why They Matter

Introduction: why email provider choice matters

Email is not going anywhere. Despite the rise of messaging apps, social platforms, and collaboration tools, email remains the backbone of both personal and professional communication. The provider you choose shapes everything from how you manage your inbox to how securely your data is stored and how seamlessly your tools connect.

At VoiceMyMail, our analysis shows that most people stick with whichever email provider they signed up for first, often without realising how much they might be leaving on the table. Switching, or even just understanding the landscape, can meaningfully improve your daily workflow.

The scale of email today

The numbers tell a compelling story. According to Statista (2024), Gmail alone commands roughly 1.8 billion active users worldwide, making it the single largest email platform on the planet. Apple Mail accounts for approximately 55% of all email opens, with Gmail following at around 30.57% and Outlook at just 4%. These figures reflect not just popularity but deeply embedded habits across billions of devices.

Why the differences between providers actually matter

Not all email providers are built the same. Each one makes distinct trade-offs across a handful of dimensions that directly affect your experience:

• Security and privacy: Some providers encrypt messages end-to-end by default; others monetise your data through advertising.
• Storage limits: Free tiers range from a few gigabytes to genuinely generous allowances that rarely require upgrades.
• Integrations: Your email provider often determines which calendars, cloud drives, and productivity apps work smoothly alongside it.
• Accessibility: Features like screen reader support, mobile apps, and tools such as VoiceMyMail, which converts emails to audio, can make a real difference for users who prefer to listen rather than read.

How to use this guide

The six providers covered here were selected based on user base size, feature depth, security reputation, storage value, and real-world accessibility. Whether you are choosing your first email account or reconsidering a long-standing one, understanding what each platform genuinely offers puts the decision firmly in your hands.

1. VoiceMyMail: AI-powered email audio conversion

VoiceMyMail is not a traditional email provider in the inbox sense, but it sits at the center of how modern professionals interact with email. It converts any email or newsletter into audio in under 60 seconds, letting you listen to your inbox the same way you would a podcast episode.

What VoiceMyMail actually does

The core workflow is simple: every user gets a unique forwarding address. Send any email to that address, and VoiceMyMail processes it into a natural-sounding audio file ready for immediate playback. No app switching, no screen time, no reading required. For busy professionals commuting, exercising, or simply drowning in newsletters, this changes the daily email routine entirely.

It works alongside whatever email provider you already use, whether that is Gmail, Outlook, Apple Mail, or anything else. There is no migration, no new inbox to manage, and no learning curve worth mentioning.

Accessibility and on-the-go listening

VoiceMyMail fills a genuine gap in email accessibility workflows. People with visual impairments, reading difficulties, or simply packed schedules often find that standard email clients offer little practical support for audio consumption. VoiceMyMail addresses this directly, and it also integrates naturally with voicemail-to-email services, making it a flexible tool for teams that handle mixed communication formats.

If you regularly receive long newsletters or detailed briefings, the ways to listen to newsletters on the go use case is where VoiceMyMail genuinely earns its place in your toolkit.

Key strengths:

• Converts emails to audio in under 60 seconds
• Works with any existing email provider
• Supports accessibility and voicemail-to-email workflows
• Zero inbox disruption

Worth noting: VoiceMyMail enhances email consumption rather than replacing your provider, so it works best when paired with one of the platforms covered in the sections ahead.

2. Gmail: the global leader with 1.8 billion users

With 1.8 billion active users and a commanding presence across virtually every device and operating system, Gmail is the undisputed heavyweight of the email world. If you use email regularly, there is a strong chance Gmail is already your primary inbox or at least one you interact with daily.

Market dominance that speaks for itself

The numbers behind Gmail are genuinely staggering. According to Clean Email (2026), Gmail holds a 28.31% share of the global email client market as of April 2025, making it the most widely used email service on the planet. It accounts for roughly 30.57% of all global email opens, and among US adults aged 18 to 64, approximately 75% use Gmail. Available in 105 languages, it has achieved the kind of reach that most platforms only dream about.

Deep integration with Google's ecosystem

One of Gmail's biggest practical advantages is how seamlessly it connects with the rest of Google's tools. Your inbox sits alongside Google Drive, Calendar, Meet, and Docs in a way that genuinely reduces friction. You can schedule a meeting directly from an email thread, attach Drive files without downloading them, and jump into a video call without switching apps. For anyone already living inside Google Workspace, this integration alone makes Gmail hard to beat.

Smart features that actually save time

Gmail's search functionality is widely regarded as the best in the business, which makes sense given that it is built by a search company. Beyond search, Gmail has steadily added AI-powered features including smart reply suggestions, email categorisation, and spam filtering that improves over time. If your inbox tends to overflow with newsletters and updates, Gmail's tabbed interface helps keep things organised automatically.

What senders need to know in 2024

If you send bulk emails to Gmail addresses, Google now enforces DMARC authentication requirements introduced in February 2024. This affects marketers and businesses more than individual users, but it signals Gmail's ongoing commitment to reducing spam and phishing at scale.

Key strengths:

• Largest user base of any email provider globally
• Tight integration with Google Workspace tools
• Powerful search and AI-assisted inbox management
• Free 15GB storage shared across Gmail, Drive, and Photos

Worth noting: Gmail's 15GB free storage is shared across your entire Google account, so heavy Drive or Photos users may hit limits faster than expected.

3. Outlook: Microsoft's enterprise-focused alternative

Outlook holds roughly 4% of global email opens in 2024, according to Statista (2024), which may sound modest until you consider the sheer volume of email sent daily. That share represents hundreds of millions of active users, the majority of them in professional and enterprise environments where Outlook has long been the default choice.

Built for the workplace

Where Gmail leans into search and simplicity, Outlook leans into structure. Its calendar, task management, and contact tools are tightly woven into the email experience rather than bolted on as separate apps. For anyone working inside a Microsoft 365 environment, this integration is genuinely useful. Emails link directly to calendar events, Teams meetings appear inline, and OneDrive attachments stay connected to their source files. For business users juggling meetings, deadlines, and shared documents, that kind of cohesion matters.

Enterprise IT teams also favor Outlook because of its deep compatibility with Microsoft's security and compliance tools, making large-scale deployments easier to manage and audit.

A competitive free tier

On the consumer side, Outlook offers a free tier with 5GB of mailbox storage. That's less than Gmail's 15GB, but it comes without the shared-storage complication. Your email storage is separate from any other Microsoft services you use.

DMARC requirements arrive in 2025

In May 2025, Microsoft extended DMARC authentication requirements to Outlook consumer accounts, following a broader industry push to reduce spoofing and phishing. Senders who don't meet these standards risk their messages being filtered or rejected, a shift that affects marketers and small businesses in particular.

Key strengths:

• Deep integration with Microsoft 365, Teams, and OneDrive
• Strong calendar and task management built into the inbox
• Separate 5GB mailbox storage on the free plan
• Preferred platform for enterprise deployments worldwide

Worth noting: If you regularly receive long email threads or detailed documents through Outlook, pairing it with a tool like VoiceMyMail can help you absorb that content on the go without staring at a screen.

4. Apple Mail: default client across Apple devices

Apple Mail dominates email opens more than any other client on the planet. According to Statista (2024), Apple Mail accounts for approximately 55% of global email opens, a figure that reflects just how deeply embedded it is across the Apple ecosystem.

Why the open share is so high

That 55% number deserves some context. It measures client usage, meaning the app people use to read email, not the number of Apple Mail accounts in existence. Because Apple Mail comes pre-installed on every iPhone, iPad, Mac, and Apple Watch, hundreds of millions of people open it daily without ever actively choosing it. Gmail users, Yahoo users, and iCloud users alike often read their messages through Apple Mail rather than a dedicated app.

Mail Privacy Protection and what it changes

Apple introduced Mail Privacy Protection to prevent senders from knowing when, where, or how often you open their emails. It works by pre-loading email content through Apple's proxy servers, which effectively masks your IP address and makes open-tracking data unreliable for marketers and analytics tools. This has had a measurable ripple effect across the email industry, making open rates a less trustworthy metric than they once were.

Privacy and integration features

Beyond privacy, Apple Mail earns its place through tight integration with iCloud, Calendar, and Contacts. Attachments sync automatically, event invites land directly in your calendar, and contact suggestions pull from your existing address book without extra setup.

Key strengths:

• Pre-installed on all Apple devices, driving massive passive adoption
• Mail Privacy Protection shields users from open-tracking
• Seamless sync with iCloud, Calendar, and Contacts
• Strong on-device encryption and privacy-first defaults

Worth noting: Apple Mail handles plain text and HTML emails well, but longer threads and attached documents can still be a chore to get through. Tools like VoiceMyMail let you listen to those messages instead, which is especially handy when you're moving between devices throughout the day.

5. Yahoo Mail: one-third of US adults still use it

Yahoo Mail often gets dismissed as a relic of the early internet, but the numbers tell a different story. According to Clean Email (2026), roughly 33% of US adults aged 18-64 still use Yahoo Mail regularly, making it a genuinely significant player among popular email providers.

Storage that outpaces the competition

One of Yahoo Mail's most compelling selling points is its generous free storage tier. Users get 1TB of space, which dwarfs what Gmail and Outlook offer by default. For anyone who receives large attachments regularly, or simply never wants to think about archiving old messages, that headroom is a real practical advantage.

Security and spam filtering

Yahoo Mail has invested heavily in spam filtering over the years, and it shows. The platform catches a high volume of junk before it ever reaches your inbox. On the sender side, Yahoo introduced DMARC authentication requirements for bulk senders in February 2024, aligning with Google's updated policies. This move pushed email marketers and businesses to tighten their authentication practices, which ultimately benefits everyone receiving mail through Yahoo's servers.

A reliable choice for privacy-conscious users

Yahoo Mail also appeals to users who want a straightforward, no-frills experience with solid privacy defaults. It is a dependable alternative for people who have never migrated to Gmail or Outlook and see little reason to start now.

If you receive a high volume of messages through Yahoo, listening rather than reading can save real time. Hands-free playback tools make it easy to get through a full inbox without ever touching a screen.

6. AOL Mail: legacy provider with loyal user base

AOL Mail is the underdog of this list, but it has earned its place. According to Doofinder (2024), roughly 10% of surveyed US adults aged 18-64 still use AOL Mail, a number that surprises many people who assumed the platform had faded into irrelevance.

Storage and features that hold up

AOL Mail offers 250GB of free storage, which puts it comfortably ahead of several competitors on raw capacity alone. The interface integrates with AOL's broader content ecosystem, including news, entertainment, and lifestyle feeds, giving long-time users a familiar home base that doubles as a content hub.

For users who have had the same AOL address for decades, switching simply is not worth the disruption. Contact lists, subscriptions, and digital habits are all tied to that address, and loyalty built over years is hard to break.

Security and spam protection

AOL Mail includes solid spam filtering and standard security features like two-step verification. It is not flashy, but it handles the basics reliably. Users who prioritize a clean, low-maintenance inbox tend to find it more than adequate for everyday communication.

Who AOL Mail is best for

AOL Mail suits people who want a stable, familiar experience without pressure to migrate to a newer platform. If you are weighing legacy providers against modern options, the Microsoft Email vs Gmail comparison offers useful context for understanding what different platforms actually bring to the table.

Pros: Generous free storage, familiar interface, integrated content, reliable spam filtering Cons: Dated design, limited third-party integrations, smaller developer ecosystem

7. ProtonMail: privacy-first encrypted email

ProtonMail takes a fundamentally different approach from every other provider on this list. Where most popular email providers compete on storage, speed, or integrations, ProtonMail competes on trust. It encrypts every message end-to-end by default, meaning only you and your recipient can read what is sent.

Zero-knowledge architecture

Most email providers can technically read your messages. ProtonMail cannot. Its zero-knowledge architecture means encryption and decryption happen entirely on your device. Even if someone compelled ProtonMail to hand over your data, they would have nothing readable to give. For journalists, lawyers, activists, or anyone handling sensitive information, that distinction matters enormously.

Swiss privacy laws and GDPR compliance

ProtonMail is headquartered in Geneva, Switzerland, which sits outside US and EU jurisdiction and benefits from some of the world's strongest privacy protections. It is also fully GDPR-compliant, giving European users additional legal guarantees around how their data is handled. As privacy regulations tighten globally, this positioning becomes increasingly valuable.

Free tier and paid plans

A free ProtonMail account gives you a functional, encrypted inbox without spending anything. Paid plans unlock custom domains, more storage, and access to the broader Proton ecosystem including a VPN and cloud storage. It is a reasonable upgrade path for users who start free and find they need more.

Who ProtonMail is for

ProtonMail is not trying to replace Gmail for casual use. It is purpose-built for users who treat confidentiality as a non-negotiable. If you already use a mainstream provider for everyday correspondence, such as Hotmail or Outlook, ProtonMail can serve as a secure secondary inbox for sensitive communications.

Pros: End-to-end encryption by default, zero-knowledge architecture, strong legal privacy protections, free tier available Cons: Smaller ecosystem, fewer third-party integrations, less familiar for general users

8. Zoho Mail: business-focused with affordable pricing

Zoho Mail is built specifically with small businesses and teams in mind, offering a clean, ad-free experience at a price point that undercuts most competitors. Plans start at under $2 per user per month, making it one of the most cost-effective choices for organizations that need professional email without enterprise-level budgets.

A productivity suite that goes beyond email

What sets Zoho Mail apart from standalone email services is its deep integration with the broader Zoho ecosystem. Users get access to a calendar, task manager, notes, and contact tools all within the same interface. For small teams juggling multiple responsibilities, this kind of built-in connectivity reduces the need to switch between separate apps constantly.

In our experience at VoiceMyMail, users who work across multiple productivity tools tend to get the most value from platforms like Zoho, where everything communicates natively rather than relying on third-party connectors.

Collaboration features and mobile access

Zoho Mail includes shared inboxes, team streams, and collaborative folders that make it easier for groups to manage communications together. Its mobile apps for iOS and Android are well-regarded for their responsiveness and feature parity with the desktop version, which matters for teams that work on the go.

If you are already exploring ways to get more from productivity-focused email tools, the Professional Tips for Getting More From Your Outlook Email guide covers habits that translate well across business email platforms.

Privacy and compliance built in

Zoho offers GDPR compliance and data residency options, allowing businesses to choose where their data is stored. This is a meaningful advantage for companies operating across borders or in regulated industries.

Pros: Very affordable pricing, strong productivity integrations, solid collaboration tools, GDPR-ready Cons: Smaller brand recognition, less intuitive for users migrating from Gmail or Outlook, limited free tier

9. Tutanota: secure and user-friendly encrypted email

Tutanota is an open-source encrypted email service built around one core promise: your messages stay private. Unlike mainstream providers that scan emails for ad targeting, Tutanota encrypts everything automatically, including subject lines, body text, and attachments, before it ever leaves your device.

Encryption without the complexity

Most encrypted email tools require technical setup that puts off everyday users. Tutanota handles the heavy lifting for you. End-to-end encryption is applied automatically to every message sent between Tutanota users, and password-protected encryption is available for emails sent to external addresses. There are no settings to configure and no plugins to install.

This approach has resonated strongly as awareness around data privacy continues to grow. As more users question how their personal information is being used by large tech platforms, services like Tutanota have seen steady adoption among journalists, activists, and privacy-conscious professionals.

No ads, no tracking, no data selling

Tutanota generates revenue through paid subscriptions rather than advertising. That means no behavioral tracking, no data profiling, and no third-party sharing. The free tier offers 1GB of storage, which covers basic personal use, while paid plans unlock additional storage, custom domains, and multiple user accounts.

If you have ever compared email providers and felt uneasy about the trade-offs, Tutanota offers a genuinely different model. It sits at the opposite end of the spectrum from ad-supported giants, much like how Microsoft Outlook Email prioritizes enterprise productivity over privacy-first design.

Pros: Strong end-to-end encryption, open-source codebase, no ads or tracking, clean interface Cons: Smaller ecosystem, limited third-party integrations, free storage is modest compared to Gmail or Outlook

How to get started: choosing and switching email providers

Picking the right email provider comes down to understanding what you actually need before you sign up. With so many solid options available, the real challenge is not finding a good provider but finding the right one for your specific situation. A little planning upfront saves a lot of headaches later.

Assess your needs first

Start by asking yourself four questions: Do you prioritize privacy? Do you need generous storage? Are integrations with other apps important? Or are business-grade features your main concern? Your answers will quickly narrow the field. Privacy-first users will lean toward Tutanota or ProtonMail, while productivity-focused users might gravitate toward Microsoft Outlook or Google Workspace.

Think about your existing ecosystem

According to Clean.email (2026), client share is heavily shaped by mobile ecosystems, meaning the phone in your pocket often influences which email experience feels most natural. If you live in Google apps, Gmail is a seamless fit. If you are deep in Microsoft 365, Outlook makes obvious sense. Apple users often find iCloud Mail integrates most smoothly with their devices.

Test before you commit

Every major provider on this list offers a free tier. Use it. Spend a week or two with the interface, test the mobile app, and check whether the integrations you rely on actually work as advertised. Only then consider upgrading to a paid plan.

Plan your migration carefully

Switching providers is straightforward if you approach it methodically:

• Set up forwarding rules on your old account so no emails slip through during the transition
• Update important contacts, subscriptions, and services with your new address
• Export and import old emails using your new provider's migration tools
• Give yourself at least two to four weeks of overlap before fully retiring the old account

Bonus tips: maximizing your email provider experience

Once you have settled into your chosen provider, a few smart habits can dramatically improve your daily experience. These tips apply across all popular email providers and take only minutes to set up but deliver long-term value.

Enable two-factor authentication immediately

Security should be your first priority after creating any account. Two-factor authentication adds a second verification step that stops unauthorized access even if your password is compromised. Every major provider supports it, and there is no good reason to skip it.

Build a filtering and labeling system

Incoming email chaos is optional. Use your provider's filter rules to automatically sort newsletters, receipts, and work messages into labeled folders. A consistent system means you spend less time triaging and more time acting on what matters.

Lean into AI-powered features

AI is rapidly becoming a standard differentiator across popular email providers. Smart Compose in Gmail, Copilot suggestions in Outlook, and summarization tools in newer clients can cut the time you spend writing and reading by a meaningful margin. Explore these features early rather than ignoring them.

Set up vacation auto-replies and archiving habits

Auto-replies prevent awkward silences when you are away. Equally important: archive old emails rather than deleting them. Archived messages remain searchable, which saves you when you need to dig up an old receipt or contract months later.

Turn newsletters into audio with VoiceMyMail

If your inbox is full of newsletters you never get around to reading, VoiceMyMail converts them into audio you can listen to during a commute or workout. It is a simple way to stay informed without adding more screen time to your day.

Common mistakes to avoid when selecting an email provider

Choosing among the popular email providers looks straightforward until you realize how many subtle traps exist. From misreading market data to skipping security setup, these mistakes can cost you time, money, and headaches down the road.

Confusing email client share with email provider share

These two metrics measure completely different things. Email client share tracks which app people use to open their mail (Apple Mail, Outlook, Gmail app), while provider share tracks where accounts actually live. Mixing them up leads to poor decisions based on the wrong data.

Ignoring DMARC and authentication requirements

If you send email for business purposes, DMARC, DKIM, and SPF authentication are no longer optional. Major platforms now enforce strict sender authentication for bulk senders, and skipping setup can land your messages in spam or get your domain flagged entirely.

Overlooking storage limits and upgrade costs

Free tiers sound generous until you hit the ceiling. Before committing, check exactly how much storage you get, what the next paid tier costs, and whether pricing scales reasonably as your needs grow.

Neglecting two-factor authentication

Two-factor authentication is one of the simplest security wins available, yet many people never enable it. Always verify that your chosen provider offers robust 2FA options before signing up.

Failing to test integrations

Your email provider needs to work smoothly with your calendar, CRM, project management tools, and any apps you rely on daily. Test these connections before fully committing, not after.

Switching without a migration plan

Moving providers without a clear plan risks losing contacts, missing important messages, and breaking filters you spent years building. Map out your migration steps, back up your data first, and give yourself a realistic transition window.

Tools and resources for email management

Once you have chosen a provider and planned your migration, the right tools make day-to-day management far easier. From official help centers to accessibility apps, these resources cover the practical gaps that most users only discover after switching.

Official help centers and security documentation

Every major provider maintains detailed support libraries. Gmail, Outlook, and Yahoo Mail each offer searchable help centers covering setup, filters, storage, and troubleshooting. If you are moving to a privacy-focused provider, ProtonMail and Tutanota both publish thorough security documentation explaining their encryption models, which is worth reading before you commit.

Email migration tools

For moving your data safely, several tools stand out:

• Mailmigrator handles bulk transfers between providers with minimal manual work
• Mozilla Thunderbird is a free desktop client that supports multi-account imports and exports
• Native provider tools, such as Google Takeout or Outlook's built-in import wizard, work well for straightforward moves

Accessibility and audio tools

A growing number of people manage email while commuting, exercising, or working hands-free. VoiceMyMail converts your inbox into audio, reading emails aloud so you can stay on top of messages without staring at a screen. For users who receive voice messages or audio attachments, Scribers transcribes those files into readable text, closing a workflow gap that standard email clients simply ignore.

Email authentication checkers

If you manage a custom domain, tools that verify DMARC, SPF, and DKIM records help protect your sender reputation and reduce the risk of spoofing. Free checkers like MXToolbox let you confirm your authentication setup is correct before you start sending at volume.

Conclusion: your next step toward better email management

Choosing between popular email providers comes down to one simple truth: there is no single best option for everyone. The right provider depends on your workflow, your devices, your privacy expectations, and how you communicate day to day.

The numbers tell part of the story

The scale of today's email landscape is striking. According to Clean.email (2026), Gmail serves roughly 1.8 billion users worldwide, making it the dominant force by sheer volume. Apple Mail commands around 55% of all email client opens, reflecting just how deeply embedded it is in the Apple ecosystem. These figures matter because they signal where developers invest, where integrations are built, and where support resources are concentrated.

Security and privacy are no longer optional

What's changed most in recent years is how seriously users take privacy. Providers like ProtonMail and Tutanota have moved from niche tools to genuine mainstream alternatives, driven by growing awareness around data collection and surveillance. If your emails contain sensitive personal or professional information, encryption and data residency policies deserve a place in your decision-making process, not just storage limits and interface design.

Making your choice and building on it

Start by identifying your priorities: ecosystem compatibility, storage, privacy, collaboration features, or mobile experience. Then test two or three providers before committing. Most are free to try, and switching costs are lower than many people assume.

Whatever provider you land on, remember that the client itself is just the foundation. Tools like VoiceMyMail can layer accessibility and convenience on top of any inbox, letting you listen to emails hands-free whether you use Gmail, Outlook, or anything in between.

Your inbox should work for you. The right combination of provider and supporting tools makes that possible.

Frequently asked questions

What is the most popular email provider?

Gmail holds the top spot among popular email providers. According to Statista (2024), Gmail represented about 30.57% of global email client opens, and separate consumer research shows roughly 75% of U.S. adults aged 18 to 64 use it as a primary or secondary provider.

What are the best free email providers?

Gmail, Outlook, Yahoo Mail, and iCloud Mail all offer solid free tiers with generous storage and reliable spam filtering. The best choice depends on your ecosystem: Gmail suits Google users, while Outlook fits those already in the Microsoft world.

Is Gmail better than Outlook?

Neither is universally better. Gmail excels at search, integrations, and mobile experience. Outlook shines for calendar management and Microsoft 365 workflows. Your existing tools and habits should guide the decision.

What is the most secure email provider?

ProtonMail and Tutanota are widely regarded as the most secure options, offering end-to-end encryption by default. Mainstream providers like Gmail and Outlook offer strong security features but are not end-to-end encrypted in the same way.

Which email provider is best for privacy?

ProtonMail is the go-to recommendation for privacy-focused users, as it is based in Switzerland and stores messages in encrypted form. If privacy is your top priority, it is worth the trade-off of a smaller ecosystem.

What is the best email service for business?

Google Workspace and Microsoft 365 are the leading business email platforms, offering custom domains, admin controls, and deep collaboration tools. The right pick usually comes down to whether your team prefers Google's or Microsoft's productivity suite.

Is Yahoo Mail still popular?

Yes, Yahoo Mail remains relevant. According to Statista Consumer Insights (2025), approximately one-third of U.S. adults aged 18 to 64 still use it. It is especially popular among long-time users who set up accounts in the early internet era.

Which email provider has the most storage?

iCloud Mail offers up to 2TB with a paid plan, while Google One subscribers can expand Gmail storage significantly. Outlook also scales well with Microsoft 365 subscriptions. Free tiers across providers typically range from 5GB to 15GB.

Based on our work at VoiceMyMail, most users find that storage and security matter less day-to-day than how comfortably an inbox fits into their routine. If you want to make any inbox easier to manage, VoiceMyMail lets you listen to emails hands-free, adding a practical layer of accessibility on top of whichever provider you choose.