Best Health Insurance Companies in USA
Which are the best health insurance companies in the United States? It's hard to know how to even begin sorting through the multiple options when your employer offers a choice of health plans, or you need to select a private health insurance policy.
We've done some of the legwork for you by examining which health insurance companies in the U.S. are ranked highest on such factors as prevention, treatment, and customer satisfaction. We selected nine companies with a wide range of available products, including national providers and a few highly-rated regional companies.
To find the best policies for you and your family, you can enter your zip code and other information at the companies' websites. You will be directed to the policies available in your area that are appropriate for your circumstances, at which point you can compare local physician, hospital, and pharmacy choices. You can also find the combination of premium, deductible, and other out-of-pocket expenses that is the best option for you.
Best Health Insurance Companies
- Best for Medicare Advantage: Aetna
- Best for Nationwide Coverage: Blue Cross Blue Shield
- Best for Global Coverage: Cigna
- Best for Umbrella Coverage: Humana
- Best for HMOs: Kaiser Foundation Health Plan
- Best for the Tech Savvy: United Healthcare
- Best for the Midwest: HealthPartners
- Best for New England: Harvard Pilgrim
- Best for New York: Capital District Physicians' Health Plan
BEST FOR MEDICARE ADVANTAGE
An impressive 36 Aetna Medicare Advantage plans sold in 30 states, plus the District of Columbia, received top NCQA ratings (4.0 or greater) in 2021, with Connecticut and Maine being standouts.In 2020, Aetna Medicare Advantage Prescription Drug plans were made available in 264 new counties across the country, providing millions more Medicare beneficiaries access to an Aetna plan.
The insurer also sells Medicare supplement plans (Medigap) in all 50 states. In addition to these, they also offer a combination dental, vision, and hearing supplemental Medicare product in many states.
In the private arena, Aetna is a large provider of employer-based health insurance. A total of five Aetna plans serving Iowa, Pennsylvania, Wisconsin, and Rhode Island made the top NCQA ranks in 2021, and the 2021 J.D. Power U.S. Commercial Health Plan Study ranked Aetna plans second-highest in Ohio, Maryland, and Virginia.
In addition, Aetna's pricing seems to be lower than many competitors' pricing.
In November 2018, Aetna became part of CVS Health Company, and synergies between the two are beginning to emerge. For example, Aetna medical plan subscribers with high blood pressure can get a free home monitor at CVS. Chronic disease monitoring may also be available at CVS stores.