So it’s time for you to start shopping for health insurance.
You’ve figured out what plan you’re going to need, and now you want to look for competitive health insurance rates with quality care.
We’ve made a list of the top health insurance providers, and some additional recommendations for those on Medicaid and Medicare.
Why Should I Buy Health Insurance?
Even if you don’t access care regularly and are a generally healthy person, accidents happen all the time and it’s good to have regular yearly check ups with a physician. Some states even have a penalty for not having the required amount of health insurance.
The following states have minimum requirements on health insurance:
These states also have fines and penalties for not having health insurance. Check your state laws to find out what you need to be covered.
Top-Rated Health Insurance Providers
1. United Healthcare
United healthcare has written over $15.8 billion in premiums, they are the largest insurer in America. We picked them for our top spot because they are available worldwide, and invest billions of dollars every year in health innovations and technology.
2. Kaiser Permanente
Kaiser Permanente is a non-profit healthcare organization. This provider is the best for those looking for a Health Savings Account (HSA) and Health Maintenance Organization (HMO). The Company provides a wide variety of care including services in:
- Allergy
- Audiology
- Cardiology
- Dermatology
- Oncology
- Hospice
- Laboratory
- Nephrology
- Occupational therapy
- Pain management
- Paediatric rehabilitation
- Pharmaceutical needs
3. Blue Cross or Blue Shield
Blue Cross is another large insurance provider with high customer ratings. It’s best for those who need larger networks, and is available nationwide. The reason it takes our number 3 spot is because the company’s size can cause it’s smaller regional companies to function separately from the company.
4. Molina Healthcare
Molina works exclusively with government healthcare programs. They can provide a wide range of services, but are best for preventive care. If you need more coverage with your Medicare or Medicaid, keep reading for our top 3 Medicaid and Medicare choices.
5. Health Care Services Corporation (HCSC)
HCSC is a mutual legal reserve company that is a branch of Blue Cross/Blue Shield. It is a customer-owned company that serves more than 16 million Americans. They offer great healthy living programs, products, and services.
What If I’m on Medicaid or Medicare?
There are options for you if your Medicaid and Medicare allows you to choose a private company. Medicaid and Medicare rank these insurance providers as their top choices:
1. Aetna
Aetna is one of the most affordable competitors. They are great if you’re looking for an HSA with a high deductible plan, nationwide coverage, or good wellness programs. They also provide affordable solutions for:
- Preventive care
- Hospitalization
- Doctor’s visits
- Immunizations
- Essential healthcare services
2. Humana
Humana believes in understanding that each person has a unique healthcare journey that continues to evolve and change. They’re best if you need wraparound coverage, or additional benefits.
3. Cigna
Cigna offers global coverage and has a large network of care. They offer care outside of their network without a referral, and have telehealth services.