Health insurance companies work to create, market, and sell private health insurance plans to patients who want to purchase individual health insurance for themselves and their families. Such insurance can help one defray medical costs if one becomes ill or injured.
Deciding on the ideal health insurance company is a decision that should not be made quickly or without comparing the various options. This helps one shortlist their choices and decide which one offers the best plan for them. To help compare the best health insurance companies, we have compiled a comprehensive list of many of the largest and most reputable health insurance companies in the country.
Kaiser Permanente
Kaiser Permanente is highly rated by customers for strong customer service, health savings account options, and an array of health plans available. Kaiser Permanente offers high-deductible health plans with Health Savings Account (HSA) options. The HSA contribution is fully tax-deductible, helping one save and stay healthier—it can be used to pay for qualifying expenses, including prescription drugs, primary care visits, and doctor visits.
Blue Cross Blue Shield
Blue Cross Blue Shield is one of the top health insurance providers in the country. Their coverage includes HMOs, EPOs, and PPOs for an affordable price. Irrespective of where one resides, there is a healthcare facility provider who will accept their coverage.
UnitedHealthcare
If one wants the luxury of managing their healthcare electronically, UnitedHealthcare is a great choice. The firm offers excellent financial strength ratings and has a network of PPOs across the nation. UHC members who use its online health care services receive member discounts on health-related products and services, including hearing aids, vision (including Lasik), and smoking cessation programs.
Aetna
Aetna is a major health insurer in the United States. Health plans are available to residents of all 50 U.S. states, although they don’t offer individual private insurance policies. Members who purchase Medicare, Medicaid, employer plans, and student plans may also enjoy access to a health savings account (HSA).
Cigna
Cigna has strong ratings for financial strength, and out-of-network approvals are not necessary. Members can avail themselves of excellent telehealth services. As a global health insurance company, its services are available in 10 states, including Missouri, North Carolina, Tennessee, Arizona, Colorado, Florida, Illinois, Kansas, Utah, and Virginia. Depending on the plan, referrals for out-of-network care may or may not be compulsory.