9 Best Health Insurance Companies In USA 2024

When it comes to health insurance, the best company for you can depend on various factors like coverage options, network size, premium costs, and customer service. For 2024, the following nine health insurance companies are considered some of the best in the U.S., offering comprehensive coverage, strong customer satisfaction, and various plan options for individuals, families, and businesses.

1. Blue Cross Blue Shield (BCBS)

• Best For: Nationwide coverage and a broad network of doctors and hospitals.
• Overview: Blue Cross Blue Shield is one of the largest and most well-known health insurance providers in the U.S. It has a network of over 96% of hospitals and 92% of doctors, making it an excellent option for those who need nationwide access to care.
• Why It’s Great:
  • Wide Network: With local affiliates in each state, BCBS offers a vast network of healthcare providers and facilities.
  • Comprehensive Plans: Offers a wide range of plans, from Health Maintenance Organizations (HMOs) and Preferred Provider Organizations (PPOs) to High Deductible Health Plans (HDHPs) and Medicaid.
  • Strong Member Support: Known for its reliable customer service and digital tools for managing health benefits.
• Pros:
  • Nationwide access and broad provider networks
  • Variety of plan options
  • Good customer service and resources
• Cons:
  • Premiums can be high, depending on location
  • Plan availability may vary by state.

2. UnitedHealthcare

• Best For: Large network, integrated services, and global coverage.
• Overview: UnitedHealthcare is one of the largest health insurance providers in the U.S. and is well-known for offering a range of plans, including employer-sponsored plans, individual and family coverage, and Medicare Advantage.
• Why It’s Great:
  • Extensive Network: Access to over 1.3 million healthcare providers across the U.S. and international coverage for travelers.
  • Tech Integration: Known for its innovative tech tools like the Health4Me app, which makes it easy to manage health benefits and find doctors.
  • Variety of Plans: Offers a range of health insurance plans, including HMO, PPO, and high-deductible plans for individuals, families, and businesses.
• Pros:
  • Wide provider network and international coverage
  • Good digital tools and apps for managing health care
  • Excellent for large employers and businesses
• Cons:
  • Can be expensive for individual plans
  • Some customer service complaints.

3. Anthem

• Best For: Affordable individual and family health plans, particularly in the Midwest and Southeast.
• Overview: Anthem is a leading provider of health insurance and one of the largest BCBS licensees. It offers individual, family, and group health plans, as well as Medicare Advantage and Medicaid options.
• Why It’s Great:
  • Affordable Plans: Anthem offers competitive pricing and a variety of coverage options, including Bronze, Silver, Gold, and Platinum plans through the ACA marketplace.
  • Large Network: Strong network of hospitals and doctors, especially in the Midwest and Southeastern U.S.
  • Health & Wellness Programs: Anthem provides numerous wellness programs and resources to help its members manage chronic conditions and improve overall health.
• Pros:
  • Affordable rates for many individuals and families
  • Extensive health and wellness resources
  • Large network in many states
• Cons:
  • Availability may be limited in some areas
  • Some complaints about claims processing and customer service.

4. Cigna

• Best For: Comprehensive global health insurance and strong customer support.
• Overview: Cigna offers a wide range of health insurance plans, including individual, family, and group plans, along with Medicare Advantage. Cigna is especially well-regarded for its international health insurance coverage for expatriates and travelers.
• Why It’s Great:
  • Global Coverage: Cigna is a leader in providing health insurance that covers you both domestically and internationally, making it a good option for frequent travelers or expatriates.
  • Health and Wellness Support: Known for its health management tools, wellness programs, and 24/7 nurse support.
  • Variety of Plans: Offers flexible options for individual and family plans, including PPOs, HMOs, and high-deductible health plans.
• Pros:
  • Excellent international coverage and support
  • Strong customer service and health management tools
  • Broad network and a range of plan options
• Cons:
  • Premiums can be higher compared to some competitors
  • Availability and network options can vary depending on the region.

5. Humana

• Best For: Medicare Advantage and senior health coverage.
• Overview: Humana specializes in providing health insurance for seniors, particularly through its Medicare Advantage plans. It also offers individual and family health plans, as well as group plans for businesses.
• Why It’s Great:
  • Medicare Advantage Plans: Humana is widely regarded for its comprehensive Medicare Advantage plans, which include extra benefits like dental, vision, and wellness programs.
  • Quality Care: Humana partners with top hospitals and healthcare providers, offering members access to high-quality care.
  • Senior Health Focus: Offers unique programs and resources tailored to the needs of seniors, including care coordination and chronic disease management.
• Pros:
  • Excellent for seniors and Medicare recipients
  • Comprehensive wellness programs and care coordination
  • Broad network of healthcare providers
• Cons:
  • Not as strong in the individual and family market as other providers
  • Premiums can be higher for those not eligible for Medicare.

6. Kaiser Permanente

• Best For: Integrated health systems and affordable care, especially on the West Coast.
• Overview: Kaiser Permanente is an integrated health insurance provider, meaning it owns its own hospitals and healthcare facilities. This model helps streamline care and coordination, making it particularly attractive for members seeking a high level of integration between their healthcare provider and insurer.
• Why It’s Great:
  • Integrated Care: Kaiser is known for providing high-quality, coordinated care with a focus on prevention and wellness.
  • Affordable Plans: Offers competitive pricing, especially in areas like California, Colorado, and the Pacific Northwest.
  • High Member Satisfaction: Regularly ranks highly in terms of customer satisfaction, with a focus on preventive care and long-term health management.
• Pros:
  • Excellent integrated care system with own healthcare facilities
  • Affordable pricing, especially in certain regions
  • High member satisfaction and preventive care
• Cons:
  • Limited availability—currently available only in 8 states (California, Colorado, Georgia, Hawaii, Maryland, Oregon, Virginia, and Washington)
  • No out-of-network coverage except in emergencies.

7. Oscar Health

• Best For: Tech-driven healthcare and simplicity in plan options.
• Overview: Oscar Health is a newer health insurance company known for its technology-driven approach to healthcare. It offers a range of individual and family health plans, with an emphasis on simplicity and user-friendly digital tools.
• Why It’s Great:
  • Tech Integration: Oscar Health’s mobile app and website are designed to make healthcare easier to navigate, with features like telemedicine, prescription tracking, and virtual doctor visits.
  • Simplified Plans: Oscar offers clear, easy-to-understand plans with a focus on primary care and preventive services.
  • Telemedicine Services: 24/7 access to doctors via telemedicine, a feature that’s especially useful for those seeking convenient care.
• Pros:
  • Easy-to-use app and digital tools
  • Affordable plans with good preventive care options
  • Telemedicine access
• Cons:
  • Limited availability in some states
  • Smaller network compared to larger insurers.

8. Aetna

• Best For: Large employer plans and Medicare Advantage.
• Overview: Aetna, a CVS Health company, offers a wide range of health insurance plans, including individual, family, employer, and government-sponsored plans. It has a reputation for good customer service and extensive wellness programs.
• Why It’s Great:
  • Employer Health Plans: Aetna is a leading provider of group health insurance for employers and is known for its quality benefits and cost-effective options.
  • Medicare Advantage: Offers well-regarded Medicare Advantage plans with extra benefits like dental, vision, and fitness programs.
  • Integrated Services: As part of CVS Health, Aetna offers integrated pharmacy services and access to a network of CVS Health facilities.
• Pros:
  • Comprehensive employer and group plans
  • Strong Medicare Advantage offerings
  • Good wellness programs and member support
• Cons:
  • Premiums can be high for individual plans
  • Some regions have more limited coverage options.

9. Molina Healthcare

• Best For: Medicaid and government-funded programs.
• Overview: Molina Healthcare is one of the leading providers of Medicaid and Medicare plans, as well as individual marketplace plans. The company is known for providing affordable options for low-income families and individuals.
• Why It’s Great:
  • Medicaid Focus: Molina is well-regarded for