Best health insurance companies of 2022
the Affordable Care Act (ACA) of 2010 requires most American adults to purchase health insurance. Health insurance is important because it can cover the costs of an unexpected accident, illness, or any routine medical care. And if more people decide not to be insured, the overall cost of health insurance will increase.
For some, health insurance may seem like a luxury. Plans can be expensive and difficult to understand. To help you find the best health insurance company to choose this year, we’ve analyzed some of the top networks in the United States.
Read on for our breakdown of these seven picks.
When researching health insurance companies, we considered a few key factors:
- Affordability. The cost of a monthly premium varies depending on your location, plan, and whether or not your employer covers it. We have still tried to find options that can suit all budgets.
- Advantages. Benefits are additional services covered by health insurance, such as dental care or vision care.
- Customer ratings and reviews. Finally, we combed through customer ratings and reviews to make sure we only recommended companies with good ratings.
Best customer service
As one of the oldest health insurance companies in the country, Etna insures consumers for health, dental and vision care. Being part of CVS Health, they have an A+ rating from the Better Business Bureau (BBB).
You get convenient walk-in treatment options by choosing Aetna, which is available nationwide. By buying a Affordable Care Act (ACA) Market Assurance Planyou have access to telehealth services, $0 MinuteClinic visits, free screenings, preventative care and more.
Aetna is also known for its Health Insurance and Medical help 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 benefit, dental, vision, or hearing care.
Better overall customer satisfaction
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 networked 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:
- fitness discounts
- over-the-counter medication management
Although BCBS is a widely recognized insurance company, if you are looking to purchase a premium, you may need to do some additional work up front. BCBS is made up of 35 separate businesses that are locally operated, meaning it will take some research to find the plans that apply to you.
Ideal for pharmacy programs
Although not available in all states, Cigna offers health insurance that may be more affordable than others on our list. The network also includes impressive pharmacy programs, making it an especially great option for people with regular drug prescriptions.
With standalone drug plans that work with Medicare and more than 67,000 contracted pharmacies, Cigna is a great choice for pharmacy programs. You can also receive home delivery with Express Scripts Pharmacy, or contact a licensed pharmacist whenever you have questions about your medications.
Cigna also offers health insurance for American emigrants living abroad. Plus, with the myCigna website and accompanying mobile app, it’s quick and easy to manage health goals, appointment reminders, and claims.
That being said, Cigna only offers individual and family health insurance plans in the following states:
- North Carolina
Best perks available
United Healthcare, also known as United, offers individual and family health insurance plans in 18 states. Customers love the most programs and tools that are available, such as virtual visits, mental health care, rewards programs, home visits, etc.
United offers health insurance plans that include dental, vision, and health. Medicare, Medicaid, short-term insurance, and small business plans are also available.
United’s individual plans can often be more expensive than plans from other companies. However, there are many resources available for people who may be insured by United.
Individual and family plans are also only available in 18 states:
- New York
- North Carolina
Ideal for dental services
Owned by managed care company Centene Corporation, Ambetter offers affordable health insurance market plans.
Ambetter Health Insurance offers three main healthcare plans: Ambetter Essential Care (bronze), Ambetter Balanced Care (silver) and Ambetter Secure Care (gold).
Other health care 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.
- Better value plans. Available in select counties in Florida, Nevada, and Texas, the cheapest premium plans available from Ambetter have specific medical professionals and hospitals. They also need to be referred to see a specialist.
- Best 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 copayment.
The cost and other details of each plan vary depending on your location. Ambetter is available in 26 states:
- New Hampshire
- New Jersey
- New Mexico
- North Carolina
- Caroline from the south
Ambetter is an excellent choice if you are looking for a 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.
Ideal for Medicare coverage
If you’re looking for Medicare, Humana is a great option for Medicare Advantage, Medicare Supplement, or just a standalone 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 standalone prescription drug plan or opt for the extended coverage plans available through Walgreens and Walmart.
You can also take advantage of the SilverSneakers Program, which provides access to 15,000 gyms and fitness centers across the country. Humana is also known for its Humana Pharmacy Mail Order prescribing options.
Best for low cost options
As the largest not-for-profit 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 receive additional benefits with some plans — things like an exercise program, help with glasses and hearing aids, and an over-the-counter allowance.
Kaiser Permanente also offers Charitable Health Coverage (CHC) if you are not eligible for public or private coverage. In order to receive the CHC, you must meet certain requirements, such as living in an area served by Kaiser Permanente and falling below the federal poverty level.
Also, if you soon lose your coverage, the company can help you find personalized recommendations. Some of the qualifying life events include loss of job-related coverage, loss of coverage from your parent’s plan, and divorce. Some situations may even qualify for financial assistance which can make the costs more affordable.
The majority of US residents cannot access this health insurance option. It is available in:
- washington d.c.
Health insurance is an important choice to make, and there are a few key factors to consider when looking for a plan.
First, consider affordability. When you choose a health insurance provider, your monthly premium will remain the same from month to month, whether or not you receive medical care. Your personal expenses will vary when you receive care.
Next, consider the type of health insurance plans offered by a certain insurance company. There are four primaries Marketplace plan types: EPO, HMO, POS and PPO.
With some plans, medical services will only be covered if you use in-network medical providers. In other cases, you can use out-of-network care if you pay more. Determine what type of plan would be best for you, and whether a particular company offers that type of plan.
Also, research the type of benefits offered by the company. Some health insurance plans offer dental and vision benefits. Preventive care and prescriptions are also important to consider.
Customer reviews and ratings should play a part in your decision, along with the type of customer service the company offers. And of course, you will need to choose an insurance company that provides coverage in the state where you live.