Last Updated: January 11th, 2024
Why do we need health insurance? Health Insurance is a necessity these days, it protects you and your family from medical emergencies which can leave you bankrupt. It is better to buy health insurance for yourself and your family at an early age when you are healthy. By buying health insurance at a young age you will be able to avail low premiums and wider coverage. People who are not insured are unable to avail timely proper medical care and face financial crisis. Selecting the right insurance plan for yourself can be a daunting task, there are many health insurance companies in the USA, and each of these companies has its plan and pricing. The top-rated health insurance companies in the USA include Aetna Health Insurance, Blue Cross Blue Shield, United Healthcare, and more. Without much ado, let us go through the best health insurance companies in the USA.
These Are the Best Health Insurance Companies In The USA
1. Aetna
Aetna was founded in 1853 and has been providing health insurance to about 40 million people in the US for more than 150 years. The health insurance services provided by Aetna include Medicare Plans, Medical, Pharmacy, and Dental Plans. It offers various affordable insurance plans including family, Aetna Medicare, and Employer coverage but lacks short-term insurance options.
Aetna has more than 1.2 million healthcare professionals, covers more than 5,700 hospitals for its insurance policyholders, and has an adjusted revenue of $60.7 billion in 2017.
To know about various Aetna health insurance plans and quotes you can either visit their official website or call 1-800-US-AETNA (1-800-872-3862) Friday, 8 a.m. – 6 p.m. ET.
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2. UnitedHealthcare
UnitedHealthcare is a division of UnitedHealth Group which is the largest healthcare provider in the US. It provides Short-term health insurance, Individual and Family Plans, Dental Plans, Small Business Plans, Medicare Plans, and Medicaid Plans.
UnitedHealthcare has a unique Virtual Visits option for its policyholders. In a Virtual Visit, the policyholder can do a video chat with the doctor from their device in case of an emergency and get a prescription depending on his/her insurance plan. For Virtual Visits you will have to register by logging into the official website and then request a visit when required, you will be able to video chat with your doctor within 20 minutes.
Insurance policyholders can search the official website directory to find a doctor or a healthcare professional.
3. Blue Cross Blue Shield
The Blue Cross Blue Shield is a recognized name in health insurance in the USA, the Blue Cross Blue Shield Association is an association of 36 independent Blue Cross Blue Shield companies. More than 106 million people living in the US are members of Blue Cross Blue Shield.
Blue Cross was founded in the year 1929 by Justin Ford Kimball who started a health insurance company for teachers The Blue Shield was started by employers in lumber and mining camps of the Pacific Northwest where the employers paid monthly fees to a group of physicians. Both these companies emerged in the year 1982 and became the Blue Cross Blue Shield Association.
The headquarters of Blue Cross Blue Shield is in Chicago. Blue Cross Blue Shield also provides Federal Employee Health Insurance Plans which covers 5.6 million members making it the largest single health plan group globally.
You can shop for affordable health insurance from Blue Cross Blue Shield by entering your 5-digit Zip code or by entering the name of your state by going to the official website. Existing policyholders can access benefits and services by entering the first three characters of their Identification Number.
To know more about the insurance plans you can either go to their official website or by calling 888.630.2583.
4. Cigna
Cigna is one of the leading health insurance companies in the USA which has its headquarters in Bloomfield, Connecticut. The company was formed in the year 1982 by the merger of the Connecticut General Life Insurance Company (CG) and INA Corporation.
It provides individual and family health insurance, dental insurance, behavioral health, and Cigna Medicare for its policyholders. The insurance policyholders can log in to the official website and check their claim status, update their address, search for a doctor, check coverage, and more.
Cigna has more than 40,000 employees globally and has $39.7 billion in revenues.
To know more about Cigna health insurance you can go to their official website or call 1.800.997.1654.
5. Kaiser Permanente
Kaiser Permanente is one of the best health insurance companies in the USA providing quality healthcare and insurance services to its customers. It was founded by Henry J. Kaiser and Sidney Garfield in the year 1945 having headquarters in Oakland. The company provides quality and affordable health insurance in select states in the US and the District of Columbia.
It provides health insurance for Individuals and families, Medicare, Medicaid/Medical, Coverage through employers, and Charitable Health Coverage for policyholders who don’t qualify for Medicaid/Medi-Cal.
Kaiser Permanente has approximately 210,794 employees with 39 hospitals and more than 22,000 physicians working in its network. It has an annual revenue of $72.7 billion.
Above mentioned are the best health insurance companies in the USA. Do you have health insurance? Share your views in the comment below!
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