If you’re looking for the best health insurance companies in the US, you might find yourself overwhelmed by the number and types of options on the market. However, by looking at a few different factors, it’s possible to narrow down which companies would be the best fit. Here, we’ve listed the top-rated health insurance providers in the United States.
Aetna – Best for Medicare Advantage
In many states, Aetna offers Medicare Advantage, Medigap, and a mix of dental, vision, and hearing supplemental Medicare products. It is a part of CVS Health, which implies that Aetna medical plan subscribers can use CVS stores for services like chronic disease monitoring.
Blue Cross Blue Shield – Best for Nationwide Coverage
Blue Cross Blue Shield offers individual policies on healthcare(dot)gov, employer insurance, and a variety of Medicare plans (Medicare Advantage, Medigap, and Prescription Drugs Part D). Its companies have contracts with over 1.7 million doctors and hospitals, which is more than any other insurer in the country.
Cigna – Best for Global Coverage
This worldwide health service organization has a global network of 1.5 million healthcare professionals who serve 17 million medical clients. In the U.S., Cigna is a company that sells dental and medical insurance in all 50 states. Individual plans are accessible through healthcare(dot)gov in 313 counties across 13 states.
Humana – Best for Umbrella Coverage
Health insurance plans typically do not cover eyeglasses and contacts or dental examinations and crowns. Humana, a large health and wellness company, offers private insurance for all of these potential expenses you could incur. It also offers a variety of plans for people with chronic illnesses, including transitions from the hospital to home care and meal delivery.
Kaiser Foundation Health Plan – Best for Health Maintenance Organization (HMOs)
All of Kaiser’s top-rated private and Medicare Advantage plans are HMOs (except for one plan in Washington state). HMOs have lower premiums, no deductibles, reduced copays, and lower prescription drug expenses, which makes it a fantastic option for those who don’t have a large budget.