There are many criteria to consider when choosing the best health insurance companies, including economic strength, customer service rating, claims service, project prices, policy offers, coverage benefits and supplier options. There are no better health insurance companies here, but the best for you will depend on the type of private health insurance you have, your budget and what is available in your area. The region in which you live will determine which health insurers you have access to, and coverage options vary from state to state. Below, you’ll find our editors’ picks for the best health insurance companies:

Kaiser Permanente is a trusted name in health insurance. It offers health care through its managed care organization and the Kaiser Foundation’s network of hospitals and health centers. He has received numerous customer service awards from JD Power & Associates and has excellent financial strength ratings. Kaiser Permanente offers private health insurance to residents of California, Colorado, Georgia, Hawaii, Oregon, and Washington State, as well as those who live in Maryland, Virginia, Washington, DC. The network includes over 23,000 participating doctors. If you live in one of Kaiser Permanente’s coverage areas, you’ll have access to a variety of plan options including bronze, silver, gold, and platinum. All plan types except gold and platinum have the ability to add a Health Savings Account (HSA). Health Savings Account (HSA) options through Kaiser Permanente are available for high deductible plans. Contributions are tax deductible and can be used to pay related costs, including prescriptions, GP / specialty visits, doctor / hospital visits, x-rays, laboratory tests, ambulance / emergency services, physiotherapy / occupational therapy, and visual / dental care.

 

The Blue Cross Blue Shield Association (BCBS) offers private health insurance coverage not only in the United States, but in more than 170 countries. More than 100 million Americans have health insurance through a BCBS organization. There are 36 independent BCBS health insurance companies in the United States and most have an “A” financial stability rating (best). And Priority Provider Organizations (PPOs). HMO plans offer the most comprehensive savings plans, but limit the choice of doctors to those within HMO. The EPO project uses a network of selected providers and includes policies that promote and manage member health care. On the other hand, PPO projects offer greater flexibility with a large number of participating doctors. In fact, there are many BCBSPO providers that will get you close no matter what part of the country you live in. BCBS plans also give you access to HSA and Flexible Expenditure Accounts (RTA). Through the FSA plan, you can save tax-free money on health insurance deductions and other health-related expenses. The HSA plan is the same, but it should only be used to qualify for medical expenses. You can choose to apply the money from these plans to insurance deductions and enjoy the benefits of lower insurance premiums with a higher deduction plan. Why we chose it: BCBS healthcare organizations offer nationwide coverage and six of its companies have been included in the 15 best health insurers.

 

UnitedHealthcare (UHC) A real feature of UHC members is access to care online care, including the ability to order prescription prescriptions, talk to nurses through the hotline, and participate in online wellness programs. Members can access online 24/7 to find doctors, make appointments, file bills and talk to doctors via mobile devices. We also have a mobile app so you can use these resources on the go. UHC is perfect for anyone who needs the option of managing healthcare electronically. HMA and PPO plans are available with access to HSA and FSA. Membership exemptions are available for support, vision services (including LASIK), and smoking cessation programs. UHC has a very large priority network of over 1.3 million doctors and other healthcare professionals. UHC Medicare also offers Advantage HMO and PPO plans.

Aetna has an excellent reputation and is one of the largest health insurance companies in the United States. It has an AM Best “A” rating. The U.S. offers the cheapest private health insurance options in 50 states, including safety care, hospital admissions, office visits, vaccines and other essential health care services. Members also have access to HSA plans (available for high-deductible plans). There is a huge network of suppliers here, so members will be able to find so many approved suppliers, regardless of where they live in this part of the country. Network plan options allow members to see a network doctor or a licensed doctor, although seeing a network doctor will be the biggest savings. It offers a wide range of provider plans, including HMO, POS, PPO, EPO, and HDHP with HSA. There are also a number of fitness programs for so many members, including gym memberships, weight loss programs, fitness coaching, and more.