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 (BCBS) is a federation of 35 separate health insurance organizations and companies in the United States, which together provide healthcare coverage for over 100 million individuals. Established in 1929 as Blue Cross, a hospital insurance provider, and 1939 as Blue Shield, a medical insurance provider, the two entities merged in 1982 to create a comprehensive health insurance system. BCBS operates as a franchise, with each regional organization being an independent licensee of the Blue Cross Blue Shield Association. Known for their recognizable blue cross and blue shield symbols, BCBS companies offer a wide range of insurance products and services, such as Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and indemnity plans. As a prominent player in the US healthcare sector, BlueCross BlueShield has played a significant role in shaping the industry, contributing to policy debates, and promoting health and wellness initiatives.

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.

Me and my family have been using BCBS of North Dakota for several years. We have had absolutely NO problems. Considering we have five boys under 13 in the house, we have a LOT of accidents, some worse than others. This company has been great.

Blue cross is awesome. Unfortunately my company is switching to United Health Care. Not looking forward to it. It must be cheaper to administrate. Supposedly same coverage. We'll see how customer service is.

The best insurance company ever! It covers pretty much everything, has a very low deductible, a very reasonable maximum out-of-pocket, and a huge network of doctors and hospitals. Almost all like BCBS and never have or had problems.

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2 United HealthCare United HealthCare (UHC) is a prominent American health insurance provider and a subsidiary of UnitedHealth Group, a diversified healthcare company headquartered in Minnetonka, Minnesota. Founded in 1977, UHC has steadily expanded its operations to provide a comprehensive range of health insurance products and services to millions of individuals, families, and employers across the United States. Known for its vast network of healthcare providers, innovative technological solutions, and commitment to quality customer service, UHC offers a diverse portfolio of insurance plans, including Preferred Provider Organization (PPO), Health Maintenance Organization (HMO), Point of Service (POS), and Exclusive Provider Organization (EPO) policies. As one of the largest health insurers in the country, United HealthCare is consistently at the forefront of industry advancements and plays a significant role in shaping the American healthcare landscape.

Much happier with United Healthcare then Blue Shield of North Carolina. Tried to get my husband a flu shot last year had to drive over 45 minutes to Greensboro cause no other pharmacies were able to get the authorization to give 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.

I love this insurance. Great coverage and service.

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3 Kaiser Permanente Kaiser Permanente is an American integrated managed care consortium, founded in 1945 by industrialist Henry J. Kaiser and physician Sidney Garfield. As one of the nation's largest not-for-profit health plans, Kaiser Permanente serves over 12 million members across eight states and the District of Columbia. With its headquarters in Oakland, California, the organization operates as a vertically integrated system, encompassing hospitals, medical facilities, and a network of salaried physicians and specialists. Pioneering the concept of prepaid health care, Kaiser Permanente has gained a reputation for its focus on preventive care, evidence-based medicine, and electronic health records. The organization is committed to improving public health and promoting sustainable practices, as demonstrated by numerous environmental stewardship initiatives and community health programs.

During my career, my employer insurance options were changed a number of times, so I have had experience under 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 70's when it was relatively new HMO. It was not particularly good then, but now, it is exceptional compared to all those I had during my career. The Kaiser hospital/medical center is half a mile from our house. All my doctors, GP and specialists, the pharmacy, labs, physical therapy, and radiology are at the medical center. And their integrated electronic medical records and My Doctor On-line 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 insurance companies are looking at the Kaiser model and their goal is to emulate and outdo Kaiser. For the fifth ...more

In all the places I lived in the US over the past 35 years, Kaiser was the best healthcare system I dealt with. Customer-focused, efficient, accountable, etc., etc. I wish more of the US healthcare providers would copy this great model.

I've had mostly great experiences with Kaiser. The doctors and nurses have all been wonderful, the facility is clean, the system is easy to use once you get the hang of it. The online features are great. I live that they deliver your Rx for free.

Been with Kaiser for 2.5 years and every visit and talk to doctor or nurse has been fruitful. I had to move to Cigna this year because the new employer did not carry Kaiser. I can't wait to get back to Kaiser ASAP.

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4 Aetna Aetna Health Insurance, a subsidiary of CVS Health Corporation, is one of the leading health care insurance providers in the United States. Founded in 1853 in Hartford, Connecticut, Aetna originally began as a life insurance company, later expanding its product offerings to include health insurance in the late 19th century. With over 150 years of experience, Aetna provides a wide range of health insurance plans, including employer-sponsored, individual, and family coverage, as well as Medicare and Medicaid products. The company is well-regarded for its commitment to innovation and technology, utilizing digital tools and analytics to enhance the customer experience, streamline healthcare delivery, and promote wellness. In 2018, Aetna was acquired by CVS Health, a merger that has further expanded its reach and integrated its services with a vast network of retail pharmacies and MinuteClinics, fostering a more holistic approach to healthcare.

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 docs. 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 Health Insurance is a leading American health insurance provider headquartered in Louisville, Kentucky. Established in 1961, the company has evolved from its initial focus on nursing homes to become a comprehensive healthcare provider, offering a broad range of insurance products and health-related services. As of 2021, Humana served over 20 million members across the United States, with a vast network of healthcare professionals and facilities. The company's product offerings include individual and group health insurance, Medicare plans, dental and vision coverage, as well as pharmacy benefit management and wellness programs. Known for its commitment to improving public health, Humana has developed innovative initiatives such as the Bold Goal program, which aims to enhance the health of communities by addressing social determinants of health.

I had Humana for 3 years and never once a problem. They slightly raised their rates and I thought I would look around for a less expensive rate. Boy was that stupid. I went to Blue Cross Blue Shield of Texas and my rates should have been lower but by the time I got the bill it was pretty much the same I was paying with Humana. In that same 3 months I had BCBS, I had so many problems I couldn't count. Never again will I make that mistake.

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.

I don't know how anyone can pick Blue Cross as a State Employee in Wisconsin after I retired. The state dropped Blue Cross for gouging the system and went to WPS. My retirement healthcare would have been paid after retirement for another 2-4 years if Blue Cross didn't screw us. I now have a PPO with Humana that costs me nothing but $5 each time I see my physician, and if I see a specialist, it costs me $35. It would be a cold day in hell before Blue Cross would be that cheap.

Love Humana and their customer service.

6 CIGNA Cigna Health Insurance is a leading global health service company headquartered in Bloomfield, Connecticut, United States. Founded in 1982 through the merger of Connecticut General Life Insurance Company (CG) and the Insurance Company of North America (INA), Cigna provides a diverse range of health insurance products and services, including medical, dental, vision, behavioral health, and pharmacy plans for individuals, families, and employers. The company operates in over 30 countries and jurisdictions, serving more than 95 million customers worldwide. Cigna is dedicated to improving the health, well-being, and peace of mind of its clients by offering tailored healthcare solutions, innovative digital tools, and a vast network of healthcare professionals. In recent years, Cigna has expanded its reach through strategic acquisitions, such as the 2018 purchase of Express Scripts, a leading pharmacy benefit manager, which has further strengthened its position in the healthcare industry.

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 OBGYN visits out of pocket. They also cover my dental cleanings and regular check-ups. 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.

I had Cigna with my old job and I wish I could take it back. I LOVE IT! I'm now stuck with BCBS in my new job and I hate it. The coverage is bad, the rates are high, and I sit on the phone for hours before someone can help me.

I love Cigna. They are constantly wanting to improve and do what's best for their customers. The mail-order pharmacy is a great help, and they make it very easy to sign up for.

7 Molina Healthcare Molina Healthcare is a managed care organization founded in 1980 by Dr. C. David Molina in Long Beach, California. The company primarily focuses on providing health insurance services to individuals and families receiving assistance through government-sponsored programs, such as Medicaid and the State Children's Health Insurance Program (SCHIP). Molina Healthcare operates in several states across the United States, offering a range of healthcare plans designed to cater to the unique needs of low-income and medically underserved populations. Over the years, the organization has been recognized for its commitment to improving access to quality healthcare services and promoting health equity, with a steadfast dedication to enhancing the overall health and well-being of its members.

I receive more service by less money with this company, thanks

They are the cheapest for people who have AIDS.

Very good Costumer Service and good Attention

Great care and service. Never felt better.

8 Fidelis Care Fidelis Care is a not-for-profit health insurance provider based in New York, United States, offering comprehensive and affordable coverage options to residents across the state. Founded in 1993 by the Catholic Medical Centers of Brooklyn and Queens, Fidelis Care serves as a major provider of government-sponsored health insurance programs, including Medicaid, Child Health Plus, Essential Plan, Health and Recovery Plan (HARP), and the Medicare Advantage program. With a mission to provide quality, accessible, and affordable healthcare services to all New Yorkers, regardless of income or health status, Fidelis Care has consistently expanded its provider network and now encompasses over 70,000 healthcare professionals and facilities. Its strong commitment to social responsibility and advocacy for healthcare access has made Fidelis Care an influential player in the healthcare industry, ensuring that vulnerable populations have access to vital healthcare services.

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.

So far, so good.

9 Aflac Aflac Incorporated, founded in 1955, is an American insurance company that specializes in providing supplemental health and life insurance policies. Renowned for its distinctive mascot, the Aflac Duck, the company gained widespread recognition for its innovative marketing campaigns and has since become a household name in the United States and Japan. Aflac's insurance policies primarily focus on offering financial support to policyholders in the event of accidents, illnesses, or disabilities, with the goal of alleviating the financial burden associated with medical expenses not covered by traditional health insurance. The company has earned numerous accolades for its commitment to ethical business practices, corporate social responsibility, and workplace diversity, reinforcing its status as a major player in the global insurance industry.

Their rates never change. I've had dental insurance with them for 5 years and they have never raised my rates.

Have had numerous policies with Aflac for over 10 years. Very affordable supplement insurance!

Great at paying claims


This company is amazing! I could not be more satisfied with every aspect of this coverage, my premiums, customer service, etc. I tell everyone I know! This insurance pays first-dollar benefits on doctor visits, hospital, and pharmacy. I've had to pay nothing out-of-pocket! No co-pays! My premium covers it! Pinch me! I feel like I'm dreaming! Thank you, USHEALTH!

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 day one! Make sure you talk to your agent as you can customize the policy in so many ways so 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.

Saving over $800/month for me, my wife and our son - our doctors are in network - this is the lifeline we were looking for. Saving us a fortune and I feel like I'm very well covered if something were to happen!

My son had an accident and required surgery. US Health paid all the hospital bills in full, without any issues. Our monthly premiums are half the price we used to pay with United. Very pleased.

The Contenders
11 Mutual of Omaha

It is good one!

12 WellCare WellCare Health Insurance is an American managed care organization that provides government-sponsored health insurance programs, primarily Medicare and Medicaid, to millions of members across the United States. Founded in 1985 and headquartered in Tampa, Florida, the company has consistently aimed to offer affordable, high-quality healthcare services tailored to the needs of its diverse membership. WellCare Health Insurance has gained recognition for its commitment to improving health outcomes through a combination of innovative care management programs, integrated technology solutions, and extensive provider networks. In recent years, the organization has expanded its reach through strategic acquisitions and partnerships, solidifying its position as a leading player in the rapidly-evolving U.S. healthcare landscape.

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

13 MetroPlus
14 SelectHealth

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

Very happy with this plan and the customer service.

15 AvMed
16 Ambetter from Sunshine Health

Prior to enrolling with Ambetter I have been insured with Anthem Blue Cross. The most notable difference is the level of experience of the Customer service reps.

Ambetter's customer service reps don't seem to be familiar with the healthcare field in general and struggle to answer the most basic questions. I've only contacted them twice since enrolling Aug1, 2018 so this may not be a comprehensive representation of the company.

The companies online website is not the easiest to navigate, but functional.

If I had to rate the company with my limited knowledge I would give them a grade of C minus.

I wish there were more options to choose from for a self employed person in the Phoenix area. I look forward to finding out more about "Bright Health" who is planing to offer health insurance for 2019.

18 Oscar Health Insurance

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

19 MVP Health Care
20 Peakin
22 Magna Care
23 Priority Health

Awesome plans and rates!

24 Globe Life Liberty National Division
25 New Era Life

Wonderful coverage, great rates

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