Top 5 Health Insurance Companies in The United States
Insurance

Top 5 Health Insurance Companies in The United States

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Nowadays it is a wise decision to purchase health insurance as due to our lifestyle and environment, our body’s immunity is reducing and the chances of virus or bacterial attack are higher. It is also important because medical expenses are so high. The medical expenses are higher than the inflation rate. So it is always advisable to have the best health insurance plan.

There are many health insurance plans available in the market and all are providing a lot of facilities but when it comes to choosing the best health insurance plan, most of the time we all are clueless because we do not have any idea. Actually there are several criteria while choosing the best health insurance company. It includes your financial strength, your own responsibility, customer service of the company, claims ratio, coverage benefits and policy offering. After considering on these all criteria, you can choose the best health insurance policy.

Finding the right health insurance provider can be complicated, stressful and time-consuming because the market is already packed with different options. Here are the top 5 Health Insurance Companies in the United States

1. Kaiser Permanente:

Top 5 Health Insurance Companies in The United States

Kaiser Permanente is a non-profit health insurance provider, founded in 1945 by Henry Kaiser and Sidney Garfield. It currently operates across nine States (California, Colorado, Georgia, Hawaii, Maryland, Virginia, Oregon, Washington, and Ohio). It has almost 200,000 employs who gave their services to 11 million policyholders. Its network includes more than 22,000 participating physicians. Its headquarters are in Oakland, California.

Kaiser Permanente offers several plan options including bronze, silver, gold, and platinum plans. You can choose any as per your requirement. It has won numerous customer service awards from J.D. Power & Associates and has excellent financial strength ratings. It has very good customer service and a good percentage in claim ratio also.

  • Sample quote for family: A man and a woman aged 35 with two kids aged 3 and 7: $1,135/month
  • Sample quote for a married couple: Aged 45-50, no pre-existing conditions: $705/month
  • Sample quote for an individual man or woman: Aged 45-50, no pre-existing conditions: $425/month

2. Blue Cross Blue Shield (BCBS):

Top 5 Health Insurance Companies in The United States

Blue Cross and Blue Shield were two different companies. Blue Cross was founded in 1929 and Blue Shield in 1939. Both merged in 1982. Blue Cross Blue Shield (BCBS) is one of the most recognizable brands of health insurance in the United States and has its presence in 190 countries. They provide health insurance over 100 million people across the U.S. as they have accessibility across all 50 states. There are 36 BCBS independent health insurance companies in the U.S. BCBS also offers Medicare and Medicaid plans. In 2019, a study by J.D. Power ranked Blue Cross Blue Shield the leading healthcare provider based on customer reviews.

  • Sample quote for family: A man and a woman aged 35 with two kids aged 3 and 7: $1,240/month
  • Sample quote for a married couple: Aged 45-50, no pre-existing conditions: $725/month
  • Sample quote for an individual man or woman: Aged 45-50, no pre-existing conditions: $465/month

3. Aetna:

Top 5 Health Insurance Companies in The United States

Aetna is one of the largest health insurers in the U.S. and serving over 18 million customers across all 50 states. Aetna is having been in business for over 150 years. Aetna received five stars in overall customer satisfaction for the Delaware, West Virginia, and Washington D.C. areas in 2019. 88% of existing policyholders renewed their policy with Aetna. Aetna was also recognized by J.D. Power and Associates as having “An Outstanding Customer Service Experience” for four straight years. This mainly related to Aetna’s concierge customer service call center. Aetna has an A+ rating from the Better Business Bureau.

  • Sample quote for family: A man and a woman aged 35 with two kids aged 3 and 7: $1,076/month
  • Sample quote for a married couple: Aged 45-50, no pre-existing conditions: $685/month
  • Sample quote for an individual man or woman: Aged 45-50, no pre-existing conditions: $410/month

4. Humana:

Top 5 Health Insurance Companies in The United States

Humana was founded in 1961 as Extendicare Inc., a nursing home company that started out in Kentucky and now Humana serves over 13 million customers with healthcare insurance. Humana is a well-established provider of health insurance and serving in all 50 states, plus the District of Columbia and Puerto Rico. Humana’s plan is especially suited to older customers or those suffering from chronic pain or conditions that could affect a customer’s ability to live alone or have treatment outside the home. Currently, Humana has an A+ rating. In 2019, J.D. Power ranked Humana third in its Medicare Advantage member satisfaction survey and number one in its 2019 Mail Order Pharmacy Segment of Customer Satisfaction Study (for the second consecutive year).

  • Sample quote for family:  A man and a woman aged 35 with two kids aged 3 and 7: $1,170/month
  • Sample quote for a married couple: Aged 45-50, no pre-existing conditions: $690/month
  • Sample quote for an individual man or woman: Aged 45-50, no pre-existing conditions: $435/month

5. United Healthcare (UHC):

Top 5 Health Insurance Companies in The United States

United Healthcare also is known as UHC, is one of the most reputed healthcare insurance brands in the United States. Its parent company, United Health Group, was founded in 1977. It operates across the United States. UHC is serving almost 115 million customers and the revenue for the year of 2018 was over $200 billion. The Better Business Bureau ranks UHC as A+. J.D. Power ranks UHC’s vision insurance plans and customer service among the best on offer and UHC has been in the top two providers in this sector for a number of years running.

  • Sample quote for family:  A man and a woman aged 35 with two kids aged 3 and 7: $1,250/month
  • Sample quote for a married couple: Aged 45-50, no pre-existing conditions: $705/month
  • Sample quote for an individual man or woman: Aged 45-50, no pre-existing conditions: $430/month

These are the top 5 health insurance plans you should consider for you and for your family. A small amount of premium can secure you with unforeseen heavy medical expenses. Purchasing the best insurance plan is a good decision of your life. You can live without tension.

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