Top 10 Best Health Insurance Companies

Everybody's talking about health care. It's too expensive; too complex; too exclusive. While there's a lot of debate about what can be done to fix it, there's one truth that cannot be refuted: you need health insurance.

Going without health insurance is a constant stress and worry. Not only is there a nagging threat of something serious happening - where a week in the hospital can cost as much as many make in an entire year - but even the cost of simple doctor's visits and prescriptions can empty your wallet faster than you can fill it.

With the importance of health insurance comes the necessity to pick the best health insurance company for your needs. To help you make the right decision, we've invited feedback from others who have experience with the health insurance companies you have to choose from.

This top ten list includes health care insurance companies that offer coverage in the United States.
The Top Ten
1 BlueCross BlueShield BlueCross BlueShield is one of the largest health insurance providers in the United States, with its roots tracing back to 1929. The company offers a broad range of health coverage options to both individuals and employer groups across all 50 states.

I have been with several Blue Cross companies. Capital Blue Cross was expensive but had good coverage. Alabama Blue Cross is great so far. They have covered all my medications. Florida Blue Cross was the worst company I have ever been with. They referred me to an outside agency for the purpose of denying coverage, and this happened to me repeatedly. I will never have Florida Blue again, but the others were fine.

Blue Cross is awesome. Unfortunately, my company is switching to United Health Care. I'm not looking forward to it. It must be cheaper to administer. Supposedly, it offers the same coverage. We'll see how the customer service is.

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2 United HealthCare United HealthCare, a subsidiary of UnitedHealth Group, is a diversified health and well-being organization based in the U.S. The company provides a variety of insurance plans including managed health care, Medicare, and Medicaid plans to millions of Americans.

I am much happier with UnitedHealthcare than with Blue Shield of North Carolina. Last year, I tried to get my husband a flu shot and had to drive over 45 minutes to Greensboro because no other pharmacies were able to get the authorization to administer the shot.

I have UnitedHealthcare. The policy is great, and the pricing is competitive. The representatives for the company are always so very helpful. Love this company!

I love it! I've had it ever since I was a child, and they are accepted almost everywhere.

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3 Kaiser Permanente Kaiser Permanente is a not-for-profit health care system based in Oakland, California. Known for its focus on integrated care and preventive medicine, it offers a variety of health insurance plans to individuals, families, and businesses.

During my career, my employer changed insurance options a number of times, so I have had experience with several insurance providers, including Cigna, Blue Cross, Western Advantage, PacifiCare, and HealthNet. None of them stood up to Kaiser.

My parents had Kaiser in the 1970s when it was a relatively new HMO. It was not particularly good then, but now it is exceptional compared to all the others I had during my career. The Kaiser hospital/medical center is half a mile from our house. All my doctors, both GP and specialists, as well as the pharmacy, labs, physical therapy, and radiology are at the medical center. Their integrated electronic medical records and My Doctor Online are invaluable to both doctors and patients.

The doctors confer with one another, sometimes during the office visit, over the phone. Before I left Western Advantage to sign up with Kaiser, my doctor told me that insurance companies are looking at the Kaiser model, and their goal is to emulate and outdo Kaiser. For the fifth consecutive year, Kaiser in California has received a 5-star rating from the Centers for Medicare & Medicaid Services.

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4 Aetna Aetna, a subsidiary of CVS Health Corporation, is a health insurance company that has been in business since 1853. The company offers a wide array of health insurance products such as medical, dental, pharmaceutical, and behavioral health plans.

Aetna has always been easy to work with and has covered any costs related to my health, especially in tough times.

They are the only company that is trying to coordinate with doctors. That's a new phase, but it's a strategy that makes sense.

Great follow-up, especially the call from the nurse to check up.

5 Humana Humana is a Kentucky-based health insurance company founded in 1961. The company specializes in offering Medicare Advantage plans but also provides other types of health insurance, including dental and vision coverage.

I had Humana for three years and never once had a problem. They slightly raised their rates, and I thought I would look around for a less expensive rate. That was a mistake. I switched to Blue Cross Blue Shield of Texas, thinking my rates would be lower, but by the time I got the bill, it was pretty much the same as what I was paying with Humana. In the same three months I had BCBS, I had so many problems I couldn't count. I will never make that mistake again.

I found and applied for Humana through this site. I researched several different health insurance companies, and this one had the best plans for me and my family.

I have been with them for a couple of years now and have never had a single complaint. They have always taken care of our needs and generally made life easier and better where healthcare is concerned. Thanks, Humana.

6 CIGNA CIGNA is a global health service organization that provides medical, dental, disability, and life insurance products. Founded in 1792, the company has a strong international presence and serves millions of customers worldwide.

The total deductible for my plan is $750, and for an individual, it is $250. So far, the most I have needed to pay for my prescriptions has been $10. I only had to pay about $15 for a lab test for my pregnancy. Also, I have not had to pay for my OB-GYN visits out of pocket. They also cover my dental cleanings and regular checkups. I may not know how much I will have to pay for labor and delivery, but so far, I have not had any trouble with Cigna.

Cigna is overall the best in my opinion. Customer service is top-notch in my book. Compared to other companies I have had in the past, Cigna's customer service is above the rest.

Easy to talk to, very suggestive, and they actually seem to genuinely care.

7 Molina Healthcare Molina Healthcare is an American company founded in 1980 to provide health insurance to lower-income individuals and families. It specializes in managing health care programs like Medicaid and Medicare and serves millions of members.

I receive more service for less money with this company. Thanks.

Very good customer service and good attention.

Great care and service. Never felt better.

8 Fidelis Care Fidelis Care is a New York-based health insurance company that was founded in 1993. As a Catholic-affiliated organization, it offers a wide range of health plans and services to residents of New York State.

If this company was nationwide, it would be number one. It is the best. If you live in New York, you are crazy not to have this company.

9 Aflac Aflac is an American insurance company known primarily for its supplemental insurance policies. Founded in 1955, Aflac helps cover expenses that may not be covered by traditional health insurance, such as accident or critical illness coverage.

Their rates never change. I've had dental insurance with them for five years, and they have never raised my rates.

I have had numerous policies with Aflac for over 10 years. Very affordable supplemental insurance!

10 USHEALTH Group USHEALTH Group is a Texas-based insurance company offering innovative and customizable health coverage solutions. The company specializes in providing flexible plans tailored to individual and family needs, including fixed indemnity plans and dental coverage.

Absolutely the best. Just need to understand that it's not 100% coverage. It doesn't have deductibles, which means that the company starts paying the benefits on day one! Make sure you talk to your agent, as you can customize the policy in so many ways that you can run the risk of being underinsured if your focus is to get the lowest premium possible. Great PPO network access anywhere in the US.

This company is amazing! I could not be more satisfied with every aspect of this company: my coverage, my premiums, customer service, etc. I tell everyone I know!

This insurance pays first-dollar benefits on doctor visits, hospital stays, and pharmacy visits. I've had to pay nothing out-of-pocket! No copays! My premium covers it all! Pinch me. I feel like I'm dreaming! Thank you, USHEALTH!

The Contenders
11 Mutual of Omaha Mutual of Omaha is a Nebraska-based, mutual insurance company founded in 1909. It offers a wide range of products, including health, life, and long-term care insurance, serving individuals, employer groups, and other customers.
12 WellCare WellCare is a managed health care provider that specializes in government-sponsored health care programs. Founded in 1985, the company offers Medicare, Medicaid, and prescription drug plans to millions of members across the U.S.

The best customer service I have experienced so far. Highly recommended. A very approachable company.

13 MetroPlus MetroPlus is a not-for-profit health insurance company based in New York City. As a subsidiary of NYC Health + Hospitals, it primarily serves residents of the New York City metropolitan area with a variety of plan options.
14 SelectHealth SelectHealth is a Utah-based, not-for-profit health insurance organization. It offers a wide array of health coverage options including individual, family, and employer plans, as well as Medicare and Medicaid offerings.

I have been very satisfied with this plan. They pay quickly and are very efficient. They recommend good doctors who are providers for the plan. No complaints about this insurance at all.

Very happy with this plan and the customer service.

15 AvMed AvMed is a Florida-based health insurance provider founded in 1969. It offers a range of health plans, including individual, family, and employer-sponsored plans, with a focus on well-being and preventive care.
16 Ambetter from Sunshine Health Ambetter from Sunshine Health is a health insurance plan provided by Sunshine Health, focused primarily on offering coverage through the Health Insurance Marketplace. Based in Florida, the company offers a range of plans that include essential health benefits and wellness programs.
17 CDPHP CDPHP, or Capital District Physicians' Health Plan, is a not-for-profit health insurance company headquartered in Albany, New York. The company provides a variety of plans, including individual, family, and employer-sponsored options, as well as Medicare and Medicaid plans.
18 Oscar Health Insurance Oscar Health Insurance is a technology-focused health insurance company founded in 2012. With its customer-centric approach, the company aims to simplify health care by offering easy-to-understand plans and telehealth services.

I really love this insurance. I have not had any problems, and the customer service is really good.

19 MVP Health Care MVP Health Care is a community-focused, not-for-profit health insurer based in Schenectady, New York. The company offers a broad range of health insurance products including individual, employer-based, and government-sponsored plans.
20 GEHA GEHA, or Government Employees Health Association, is a not-for-profit provider of health and dental plans primarily for U.S. federal employees and retirees. Established in 1937, the company offers various plans that focus on comprehensive care and wellness.
21 Magna Care Magna Care is a health plan management company that offers network rental, medical management, and casualty solutions. Based in the northeastern United States, it collaborates with self-insured businesses and insurance carriers to provide flexible, tailored health plans.
22 Priority Health Priority Health is a Michigan-based, not-for-profit health insurance company. It offers a wide variety of plans, from individual and family options to employer-sponsored plans, as well as Medicare and Medicaid services.

Quality coverage with very affordable premiums.

23 Globe Life Liberty National Division Globe Life Liberty National Division is a division of Globe Life Inc., focused on life and supplemental health insurance products. While not a traditional health insurance provider, it offers supplemental health coverage options that can complement existing health plans.
24 New Era Life New Era Life is a Houston-based insurance company that provides a range of health, life, and accident insurance products. The company focuses on offering flexible and affordable coverage options to meet diverse consumer needs.

Wonderful coverage, great rates.

25 GPM Health & Life Insurance GPM Health & Life Insurance is a provider of supplemental health and life insurance products. The company focuses on offering a variety of specialized plans, such as Medicare Supplement policies and Final Expense Life Insurance, catering primarily to the senior market.
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