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

I have been with several Blue Cross Companies. Capital Blue Cross was expensive but 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 refer you to an outside agency for the purpose of denying coverage. Happened to me over and over. Will never have Florida Blue again, but the others were fine.

I would recommend Blue Cross Blue Shield! They have great customer service when you call and need help or have questions

BCBS has the best prescription drug coverage, I absolutely cannot stand #2 on this form would never do business with them.
But I love love love Blue Cross and recommend to everyone

Very reliable and claims are processed promptly.

V 23 Comments Visit Website9
2 UnitedHealthCare

Awful service, and physician's network information is never updated. It took me weeks to find a provider that was in network, based on their data. Each time I called I was referred to another person who couldn't help me. When I took matters into my own hands it took me three hours of leg work to finally find a doctor. If I'm paying a premium, I expect much better service.

The cancel my policy without notice and I always paid my premium on time. In my checking account shows they deduct the payment but in their billing system in not. Call them and they do not know why? They stole my money $820 in one month premium!

My care with this company was awful. Medication approval was slow and stingy. You definitely had the impression that it was all about profit over patient care.

So far so good

V 13 Comments Visit Website9
3 Aetna

A dreadful company. Be warned: their plan structures are misleading, and they will do anything they can to stick you with the bill, instead of paying (which is supposedly why you, or your company, pays the premium, right? ). You will never be able to speak to a person who can actually help you. - JavisDad

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

They are the worst insurance company ever. I pay more for my insulin with aetna then I did with out insurance

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.

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4 Humana

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 live easier and better where healthcare is concerned. Thanks Humana. - dallinatkinson

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 gulging 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 cost me nothing but $5. Each time I see my physician and if I see a specialist it cost me $35. It would be a cold day in hell before Blue Cross would be that cheap.

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.

Love humana they have been good to me. i had lot of test this year. and so for I just had to pay ninety dollars. will stay with them.

V 3 Comments Visit Website9

I had Cigna the precentage of co-pay was affordable! And even beater service as well! But I have moved to blue cross blue shield

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

Cigna is one of the good healthcare providers. I made a mistake to move to Aetna and now I am realizing that mistake.

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.

V 11 Comments Visit Website9
6 Kaiser Permanente

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

Kaiser doctor told my son he needed urgent neurology appointment. They cannot provide him an appointment for 3 months. I have been repeatedly billed for visits that have been paid for. I provided dates that I paid and am still billed for it. I use to love Kaiser, but now I hate it. My family is not getting the coverage that we need. I am requesting our company drop Kaiser for better insurance.

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.

Have never had any issues with Kaiser's service. I have been a member for over 10yrs.

V 11 Comments Visit Website9
7 Molina Healthcare

Incredible service, good attention

They are the cheapest for people who have AIDS

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

Great Care Coordination

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8 Celtic Healthcare

I have Cigna and I agree with their rating. Outstanding insurance company. My wife and I are very please with them. They are fair and look out for patient best interest.

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9 Assurant Health

Assurant does business the right way. They pay when they're supposed to, they answer their calls in a timely manner, they offer diverse plans, use excellent national networks, and are polite to their customers.

Assurant helps in getting you the best prices when using a Dr or hospital

They only pay 50% out of network and are quiting the biz at end of year

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10 WellCare

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

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The Contenders

11 Fidelis Care

If this company was Nation wide 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

The price is the lowest in NY, while the quality is excellent!

12 MetroPlus
13 Altius (Coventry)
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 LIC of India
16 Aflac

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!

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.

Face it people, it is more affordable and if your insurance premiums are so high you have to cut workers, why are you in business!

Awesome company. Fantastic benefits and low premiums. They do insurance the way insurance was meant to be. No deductible so you can actually use it.

18 Mutual of Omaha

Mutual of Omaha give me a policy

It is good one!

20 AvMed
PSearch List

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List Stats

1,000 votes
45 listings
7 years, 47 days old

Top Remixes

1. UnitedHealthCare
2. Kaiser Permanente
3. BlueCross BlueShield
1. UnitedHealthCare
2. BlueCross BlueShield
3. Humana
1. BlueCross BlueShield
2. UnitedHealthCare
3. Aetna



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