We’ve done some of the legwork for you by examining which health insurance companies in the U.S. are ranked highest on such factors as prevention, treatment, and customer satisfaction. We selected nine companies that have a wide range of available products, including national providers and a few highly-rated regional companies
To find the best policies for you and your family, you can start by entering your zip code and then other information at the companies’ websites. You will be directed to the policies available in your area that are appropriate for your circumstances, at which point you can compare local physician, hospital, and pharmacy choices. You can also find the combination of premium, deductible, and other out-of-pocket expenses that is the best option for you.
An impressive 42 Aetna Medicare Advantage plans sold in 37 states, plus the District of Columbia, received top NCQA ratings (4.0 or greater) in 2021, with Connecticut and Maine being standouts.1 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.2 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.
One out of three Americans has health coverage from Blue Cross Blue Shield. The names on various state plans include Anthem, CareFirst, Highmark, Independence, and Wellmark, but the 35 independent and locally operated Blue Cross Blue Shield companies open doors in all 50 states, Washington D.C., and Puerto Rico. Nationwide, more than 80% of doctors and 90% of hospitals contract with Blue Cross Blue Shield companies—more than any other insurer, according to the company.
It’s not surprising that a company that sells a product called Global Health Advantage would lead our list for international coverage. This global health service company has 17 million medical customers worldwide served by a global network of 1.5 million healthcare professionals with access to doctors in 30+ countries. It has more than 70,000 employees. Cigna followed on the heels of Aetna and CVS Health in 2018 by partnering with Express Scripts, the nation’s largest pharmacy benefit manager, in a deal aimed at lowering costs and improving care
Oscar is a health insurance startup that offers both individual and business policies. While the company charges above-average prices, it outshines the competition on customer service and extra member benefits. For example, their telemedicine program offers a dedicated concierge service with 24/7 access to health professionals, including nurses and doctors that are part of the Oscar network.
Centene Corporation, a Fortune 500 company, is a diversified, multinational healthcare company providing a portfolio of services to government-sponsored healthcare programs, focusing on uninsured and underinsured individuals. It operates in 50 states and three international markets and has more than 25 million managed care members.
Humana’s cultural foundation is aligned to helping members achieve their best health by providing personalized, simplified, whole-person healthcare experiences. Recognizing that each person, family, and community’s healthcare needs continue to evolve, Humana creates innovative solutions and resources to help people live their healthiest lives on their terms – when and where they need it.