What are the best health insurance companies in the United States? When your employer offers a health plan or you have to choose a private health insurance plan, it’s hard to even know how to start comparing multiple options.
We did a solid study for you by comparing which health insurance companies in the USA rank high on criteria such as prevention, treatment and customer satisfaction. We have selected 6 companies with a wide range of products, including national providers and several highly ranked regional companies.
To find what’s best for you and your family, you can take the first step by entering your zip code and information on companies’ websites. You will be directed to policies that are in your area and suitable for your circumstances, in which case you can compare choices such as doctor, hospital and pharmacy. You can also find the best premium option, deductible, and other forms of spending for you.
Best For Medicare Advantage: (Aetna)
An impressive 43 Aetna Medicare Advantage plans sold in 37 states, plus the District of Columbia, received top NCQA ratings (4.0 or greater) in 2019, with Connecticut and Maine being standouts. In 2020, Aetna Medicare Advantage Prescription Drug plans were made available in 264 new counties across the country, providing millions more Medicare beneficiaries access to an Aetna plan. The insurer also sells Medicare supplement plans (Medigap) in 49 states. In addition to these, they also offer a combination dental, vision, and hearing supplemental Medicare product in many states.
In the private sphere, Aetna is a very large employer-based health insurance provider. A total of 4 Aetna plans serving Iowa, Pennsylvania, and Utah made the best NCQA rankings in 2019, and the 2021 JD Power US Commercial Health Plan Study ranked Aetna plans second in Ohio, Maryland, and Virginia. Also, Aetna’s pricing seems to be well below that of its competitors.
Best for Nationwide Coverage: (Blue Cross Blue Shield)
One out of every 3 Americans has health insurance from Blue Cross Blue Shield. Names on different state plans include Anthem, CareFirst, Highmark, Independence and Wellmark, but 35 independently and locally operated Blue Cross Blue Shield companies are opening their doors in all 50 states, Washington DC and Puerto Rico. Nationwide, more than 80% of doctors and 90% of hospitals have contracts with Blue Cross Blue Shield companies – far more than any other insurance company, according to the firm.
More than 40 Blue Cross Blue Shield corporate plans in 2019 received moderate to high scores from the NCQA based on clinical quality and member satisfaction, some with less overall scores, and 10 Anthem plans, including these, are impressive in customer satisfaction. got points.
Best for Global Coverage: (Cigna)
It’s no surprise that a company that sells a product called Global Health Advantage tops our list for international coverage. This universal healthcare company has 17 million medical customers worldwide, served by a global network of 1.5 million healthcare professionals with access to doctors in more than 30 countries. It has more than 70,000 employees. Cigna followed suit with Aetna and CVS Health in 2018 by partnering with Express Scripts, the nation’s largest pharmacy benefits manager, in a deal aimed at reducing costs and improving care.
In America, four custom Cigna plans scored highest in the NCQA. 7 Cigna was one of the top performers in customer satisfaction in Illinois/Indiana, Virginia, New Jersey, and Ohio in the 2021 US Commercial Member Health Plan Study, led by JD Power.
Best for Umbrella Coverage: (Humana)
Health insurance policies generally do not cover costs such as eyeglasses, contacts, dental checkups, crowns and instruments; Humana, a broad-based health and wellness company, sells specialty policies in all of these areas, and the company has a number of plans for people living with chronic conditions that include transitions from hospitalization to home care and meal delivery. Humana is also among the companies that offer special needs policies for people with a severe or disability chronic illness or long-term care facility. As of 2018, Humana no longer offers individual medical plans, but focuses on offering healthcare solutions for employers, as well as Medicare plans.
Best for HMOs: (Kaiser Foundation Health Plan)
Kaiser Foundation Health Plan Inc, the nonprofit insurance company that is part of Kaiser Permanente, earned super marks for private insurance, with one plan (Mid-Atlantic States) earning an overall NCQA score of 5.0 and 7 other plans, from Georgia to California. 4.0 to 4.5 rating. In the. Medicare Advantage arenas, Kaiser is also a winner with 8 plans at the top tiers. Company are based in 8 states (California, Colorado, Georgia, Hawaii, Maryland, Oregon, Virginia, Washington) and Washington, DC.
Kaiser’s highly rated private and Medicare Advantage plans are all HMOs. This is good news for those who need budget health insurance because HMOs have lower premiums, no deductibles, and lower copays and prescription drug costs.
Best for the Tech Savvy: (United Healthcare)
Want to monitor your health on an Apple Watch? File claims, schedule doctor appointments, and find doctors online. United Healthcare’s 2019 research indicated that 37% of consumers shopped for healthcare via computer or mobile apps. The company makes “consumer-focused digital health services” that include wearable technology for glucose management, smart baby monitors for high-risk babies, and activity trackers that enable fitness participants to earn monetary rewards.
Two specific United Healthcare plans (both in Rhode Island) scored 4.5, while 11 plans in five states (Iowa, Massachusetts, Nebraska, New Hampshire, Wisconsin) earned 4.0 points in the overall NCQA rating.
Best for the Midwest: (HealthPartners)
Under the names Group Health Plan, Inc and HealthPartners Insurance Company, this company markets Medicare plans in Minnesota, Wisconsin, North Dakota, South Dakota, Iowa, and Illinois. All three of their custom plans earned an overall rating of 4.5 from the NCQA.
Those with diabetes may like this plan, as one of Health Partners’ conveniences for consumers is to provide a monthly supply of insulin for less than $25.