Insurance

Best Health Insurance Companies of 2022

better customer service

aetna

As one of the oldest health insurance companies in the country, aetna insures consumers for health, dental and vision care. part of cvs health, they have an a+ rating from the better business bureau (bbb).

You get convenient walk-in options when you choose Aetna, which is available nationwide. When you purchase an insurance plan from the Affordable Care Act (ACA) Marketplace, you receive access to telehealth services, $0 per minute clinic visits, free screenings, preventive care, and more.

Reading: What is the best medical insurance company

aetna is also known for its medicare and medicaid plans available in all 50 states. With Medicare and Medicaid, you’ll get all the benefits and services originally offered by Medicare, plus extras like a fitness, dental, vision, or hearing benefit.

improved overall customer satisfaction

blue cross blue shield

Blue Cross Blue Shield (BCBS) is a widely used health insurance provider available in all 50 states. They have been serving people in the United States for over 90 years.

bcbs offers corporate health insurance, individual health insurance, medicaid, medicare, dental insurance and more. more than 1.7 million doctors and hospitals are in network with bcbs. Many plans include the blue365 program for Medicare members, which offers discounts on health and wellness-related products and services.

Other plans come with benefits such as:

  • dental
  • vision
  • hearing
  • telehealth
  • fitness discounts
  • over-the-counter medication management

While bcbs is a highly trusted insurance company, if you’re looking to shop for a premium, you may need to do some extra work up front. bcbs is made up of 35 independent companies that operate locally, which means you’ll need to do some research to find the plans that apply to you.

best for pharmacy programs

cigna

Although not available in all states, Cigna offers health insurance that may be less expensive than others on our list. The network also includes impressive pharmacy programs, making it an especially good option for people with regular prescriptions.

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With stand-alone drug plans that work in conjunction with Medicare and more than 67,000 contracted pharmacies, Cigna is a great choice for pharmacy programs. You can also get home delivery with Pharmacy Express Scripts, or connect with a licensed pharmacist any time you have questions about your medication.

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cigna also offers health insurance for usa. uu. emigrants residing abroad. Plus, with the myCigna website and accompanying mobile app, it’s quick and easy to manage health goals, appointment reminders, and claims.

That said, Cigna only offers individual and family health insurance plans in the following states:

  • arizona
  • red
  • florida
  • georgia
  • illinois
  • kansas
  • missouri
  • mississippi
  • north carolina
  • pennsylvania
  • tennessee
  • utah
  • virginia

best benefits available

united health

united healthcare, also called united, offers individual and family health insurance plans in 18 states. Clients love the additional programs and tools that are available, like virtual visits, mental health care, rewards programs, home visits and more.

united offers health insurance plans that include health, vision and dental services. Medicare, Medicaid, short-term insurance, and small business plans are also available.

united individual plans can often be more expensive than plans from other carriers. however, there are many resources available for people who can get united insurance.

Individual and family plans are also only available in 18 states:

  • alabama
  • arizona
  • red
  • florida
  • georgia
  • illinois
  • Louisiana
  • maryland
  • massachusetts
  • michigan
  • snowfall
  • new york
  • north carolina
  • oklahoma
  • tennessee
  • texas
  • virginia
  • washington

best for dental benefits

better

Owned by managed care company Centene Corporation, Ambetter offers affordable health insurance marketplace plans.

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ambetter health insurance offers three main health care plans: ambetter essential care (bronze), ambetter balanced care (silver), and ambetter secure care (gold).

Other health plans available are:

  • ambetter select plans. Only available in select Florida and Georgia counties, select plans offer a low monthly premium and a select network of providers and hospitals.
  • ambetter value plans. available in select counties in florida, nevada and texas, the lowest priced premium plans available from ambetter have specific health professionals and hospitals. they also require referrals to see a specialist.
  • ambetter virtual access plans. these plans are available in michigan, mississippi, south carolina and texas. Powered by teladoc, they provide comprehensive virtual primary care with a $0 copay.

The cost and other details of each plan will vary depending on your location. ambetter is available in 26 states:

  • arizona
  • arkansas
  • california
  • florida
  • georgia
  • illinois
  • indiana
  • kansas
  • kentucky
  • Louisiana
  • michigan
  • mississippi
  • missouri
  • nebraska
  • snowfall
  • new hampshire
  • new jersey
  • new mexico
  • north carolina
  • ohio
  • oklahoma
  • pennsylvania
  • south carolina
  • tennessee
  • texas
  • washington

See also: Can I Change My Medicare Supplement Plan Anytime? (Free Look Period)

ambetter is a great option if you are looking for good dental and vision benefits. With some ambetter plans, your dental program could cost as little as $12 per month. dental plans are available in all ambetter markets except washington, new mexico and new jersey.

Dental plans include preventive and diagnostic dental care, basic dental care, and major dental care.

the best for medicare coverage

human

If you’re looking for Medicare, Humana is a great option for Medicare Advantage, Medicare Supplement, or a simple stand-alone prescription drug plan.

humana medicare plans are available in all states, while medicare advantage is available in most counties. Although not all Medicare Advantage plans include prescription drug coverage, you can purchase a stand-alone prescription drug plan or opt for the expanded coverage plans available through Walgreens and Walmart.

You can also enjoy the silversneakers program, which offers access to 15,000 gyms and fitness centers across the country. Humana is also known for its Humana pharmacy mail order prescription options.

best for low cost options

permanent kaiser

As the largest nonprofit health insurance company, Kaiser is a managed care organization that offers individual and family plans, as well as Medicare and Medicaid.

If you’re eligible, you can also get extra benefits with certain plans, like an exercise program, help with glasses and hearing aids, and an over-the-counter allowance.

Kaiser Permanente also offers Charity Health Coverage (CHC) if you don’t qualify for public or private coverage. To receive CHC, you must meet certain requirements, such as living in an area served by Kaiser Permanente and being below the federal poverty line.

Also, if you’re going to lose coverage soon, the company can help you find personalized recommendations. Some of the qualifying life events include losing job-related coverage, losing your parent’s plan coverage, and getting divorced. Certain situations may even qualify you for financial help that can make costs more affordable.

Most of us residents cannot access this health insurance option. is available at:

See also: How Much Does Long-Term Care Insurance Cost? – Ramsey

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