Best Health Insurance Companies in The USA 2023

How many are the best health insurance companies in the United States? It is difficult to know how to begin sorting through the several options when your employer offers a choice of health insurance plans, or you need to choose a private health insurance policy.

We have done some of the reports for you by examining which health insurance companies in the U.S. are ranked highest on such factors as stopover, treatment, and customer contentment. We selected nine companies with an extensive range of available products, including national providers and a few highly-rated territorial companies.

Best Health Insurance Companies

  • Aetna
  • Blue Cross Blue Shield
  • Cigna
  • Humana
  • Kaiser Foundation Health Plan
  • United Healthcare
  • HealthPartners
  • Harvard Pilgrim
  • Capital District Physicians ‘Health Plan



An impressive Aetna Medicare benefit plan sell in 30 states, plus the District of Columbia, got top NCQA ratings of 4.0 or greater in 2021, with Connecticut and Main being standouts.

 In 2020, Aetna Medicare benefits Prescription Drug plans are available in 264 new counties across the country.  It is providing millions of Medicare beneficiaries’ access to an Aetna plan.

 Medicare supplement plans are also sold in all 50 states. In addition, they also provide a combination of dental insurance, vision, and hearing supplemental insurance Medicare products in many states.

 This is a big provider of employer-based health insurance In the private arena. The best five insurance Aetna plans serving Iowa, Pennsylvania, Wisconsin, and Rhode Island made the top NCQA ranks in 2022. J.D. Power U.S. Commercial Health Plan Study ranked Aetna plans second-highest in Ohio and Texas in 2022.

Aetna’s price seems to be lower than many competitors’ prices. Aetna became part of CVS Health insurance Company, and synergy between the two is beginning to come out. For instance, Aetna medical plan subscribers with high blood pressure can acquire a free home monitor at CVS. Long-term disease monitoring may also be available at CVS stores.

Blue Cross Blue Shield


Healthcare Marketplace

One out of three Americans has taken healthcare coverage from Blue Cross Blue Shield. The names on many state plans include Anthem, CareFirst, Highmark, and Well mark. The 34 locally operated Blue Cross Blue Shield companies are openly available in all 50 states, Washington D.C., and Puerto Rico. Nationwide, Marketplace insurance more than 1.7 million doctors and hospitals bond with Blue Cross Blue Shield companies and any other insurer, according to the company.

In 2022, 57 Blue Cross Blue Shield company plans earned medium to high ratings from NCQA based on clinical quality and member contentment.

 In 2019, many Anthem plans exclusive a few with lower overall ratings scored impressively in areas related to customer satisfaction. Blue Cross Blue Shield provides employer insurance policies on, and a variety of Medicare plans.



It is not surprising that a company sells a product called Global Health benefit that would lead our list for international coverage. This Cigna global health service company has 17 million medical customers globally. This company serves a global network of 1.5 million healthcare professionals with access to doctors in 200+ countries.

It has a minimum of 70,000 employees. Cigna follow on the heels of Aetna and CVS Health in 2018. It is partnering with Express Handwriting, the nation’s largest pharmacy benefit manager, in a deal objective at lowering costs and improving care.

Cigna plans got a four-star rating in 2022 In the U.S. (United health insurance) However, this was a top performer in customer pleasure in Indiana, Virginia, New Jersey, and Ohio in the 2021 U.S. Commercial Member Health Plan Study J.D. Power. The American Customer Satisfaction Index ranks among the bad in its manufactory for member satisfaction (ACSI) in 2021.

Cigna sells medical coverage plans in 13 states and dental plans in all 49, plus D.C. It sells personal plans on in 313 counties. Cigna also extended its Medicare benefits plans in 2021 for reaching a total of 477 counties across 26 states. Cigna adds coverage in three new states for 2022.



Health insurance policies do not often cover such costs as eyeglasses and contacts; or human dental insurance exams, crowns, and appliances. Humana is a broad-based health and well-being company. It sells private policies in all these areas.  The company has a range of plans for people living with persistent conditions that include transitions from a hospital stay to home care and meal delivery.

Humana insurance is also a company that provides exclusive needs policies for people with severe or disabling chronic conditions or living in a long-term care facility. As of 2022, Humana no longer provides personal insurance medical plans but focuses on healthcare vision solutions for employers and provides Medicare plans.

Twenty-four Humana plans got a four-star from the NCQA in 2022.

Humana INS led the pack for customer gratification among health insurers in 2020, according to the ACSI survey. Humana’s policies for HMOs are comparatively affordable.

Kaiser Foundation Health Plan


The non-profit insurer Kaiser Foundation Health Plan Inc is part of Kaiser Permanent. It won stellar ratings for health private insurance. One plan Mid-Atlantic States got a top overall NCQA score of 5.0 and seven other plans, ranging from Georgia to California, won a 4.0 to 4.5 rating.

In the Medicare premium 2022 benefits arena, Kaiser was also a winner with eight plans in the very top groups. The company moves to eight states California, Colorado, Georgia, Hawaii, Maryland, Oregon, Virginia, Washington, and Washington, D.C.

All of Kaiser’s highly rated private and Medicare benefit plans are HMOs. This is good news for those needing affordable health insurance because HMOs have lower premiums for health insurance, no deductibles, and lower copays and prescription drug costs.

The drawback of an HMO is that—except in emergencies—you must use doctors, hospitals, US health Advisors, and other services that are in the network. The plans do, however, deliver the same necessary goods as a PPO plan. Kaiser’s policies have comparatively low premiums.

United Healthcare


If you want to track your health on an Apple Watch. File claims, get doctor appointments, and find doctors online. United Healthcare insurance 2019 yearly Survey found that 37% of consumers buy health care on a computer or with mobile apps.

The company is pushing “consumer-driven digital health care,” which includes wearable technology for glucose management, smart baby monitors for high-risk infants, and activity trackers that allow fitness participants to win monetary awards.

Two private United Healthcare vision plans (one in Rhode Island, the second in Minnesota) got scored a magnificent 4.5. While nine plans in D.C. and other states North and South Dakota, Iowa, Massachusetts, Nebraska, New York, and Wisconsin got scored 4.0 in overall NCQA ratings. An impressive 29 of its Medicare benefit plans were highly rated, including several sold under the name Sierra Health and Life Insurance Company, Inc.

United provides the full spectrum of health benefits programs for personnel, employers, and Medicaid beneficiaries. It bonds directly with more than 1.3 million physicians and care professionals. It is also including 6,500 hospitals and care facilities nationwide. Both HMO and PPO plans are accessible with health savings accounts (HSAs) and pliable spending accounts (FSAs). Its policies may expense a bit extra than other its competitors, but it may be worth it for the extra features.



The Groups name Health Plan, Inc. and HealthPartners Insurance Company. This company sells insurance health care plans in Minnesota, Wisconsin, North Dakota, South Dakota, Iowa, and Illinois. All three private plans got scored 4.5 overall scores from NCQA.

Those who have diabetes like and take this plan, as one of HealthPartners’ promises to consumers is to provide per month insulin supplies for no more than $25.

Overall, the company provides three different plans in Minnesota and two different plans in Wisconsin. It is depend where you live and your particular coverage needs. Those live in the HealthPartners Insurance area of Minnesota, they have the most options available.

Harvard Pilgrim


This New England not-for-benefit company has 4.5 rated plans in two states (Maine, Massachusetts) and a 4.0 rated plan in New Hampshire.

The Harvard Pilgrim and UnitedHealth care provide Passport and Access America insurance premium plans jointly. Its allow members access to a huge network of doctors nationwide, thousands of hospitals, and pliable health benefits.

Capital District Physicians’ Health Plan


This physician-directed well health care plan has some of the highest-rated plans in the business. Their private plan got scored a 5.0 in overall score from NCQA and was only eight private plans nationally. This achieves a perfect score in customer satisfaction. CDPHP’s Medicare and Medicaid plans were also high scorers at 4.5 stars.

The plans are accessible in 29 of New York’s 62 counties. The company notes that eight out of 15 board members are physicians.

What Does Health Insurance Cover?

You will find that health insurance coverage limits pretty widely from one insurance provider to the next, and between the separate plans provided. But different your exact options, there are some mandatory coverage standards that every health insurance policy must provide.

Thanks to the Affordable Care Act, there are 10 categories of health services that all insurance plans require to cover, called essential health benefits.

These include pregnancy and childbirth services, instruction drug coverage, mental health services, outdoor patient hospital care, defensive care, emergency services, and more. Plans must also provide the best insurance for dental coverage to minors.

This coverage’s acquire details and limits may different from one state to the next. Also, big companies that self-insure employees are not expected to follow these same standards, many still do. You will want to check with your employer’s plan to see entirely. What’s cover if you provide health insurance through your job?

Is Health Insurance Required?

When the Affordable Care Act was first set up, it included a health insurance mandate; if you could afford sufficient health insurance throughout the year. Do not purchase it; you have to pay a penalty fee. This penalty was usually charged when it came time to file. That year’s taxes and imposed on everyone in your household who did not meet the minimum healthcare requirements.

However, beginning with the 2019 plan year, this penalty was prevented on a federal level. You don’t get longer responsible for this fee. if you opt not to carry minimum coverage, and no exemption require to avoid the penalty.

Some states still need their own health insurance coverage. Be sure to find out the laws in your state of residence. For seeing what level of insurance you are required to carry and what penalties. If any, apply for not meeting, these least standards.

How to decide on the Best Health Insurance Plan?

Buying health insurance can be a difficult and confusing process, especially when there are so many options and costs to consider.

There are some questions to ask yourself if you want to search a bit easier. They include:

How always do I accept using my coverage? If you only see the doctor for preventative care, you will need a very different plan than someone who has a persistent condition or a child with disabilities.

You often have two options to opt for: high deductible or higher premiums. If you do not anticipate using your coverage much—and can afford the out-of-pocket cost. If you do wind up needing important care—a plan with a high deductible can save you money all year long. On the other hand, if always you and your family are at the doctor’s office.

What if I need emergency care (mostly when traveling)? Be sure to read the best print and coverage options before picking a plan. Especially if you are always in other states.

Whether you are opting for an employer-based plan or shopping on the Marketplace, you may want to compare PPO vs. HMO options. You should also think about whether you need a plan that also provides best dental insurance or vision coverage.

How Much Does Health Insurance Cost?

As with insurance products, there are countless particular factors that go into calculating your cost for coverage.

When it comes to health insurance premiums. You have to take into account the difference between employer-sponsored plans. Those who purchase the health insurance Marketplace, whether your income qualifies you for a tax credit on your Marketplace plan premiums.

There are some factors that go into calculating your health insurance cost across the board. These include your age, location, plan category, personal vs. family nomination, and whether or not you are a tobacco user.

How We Choose the Best Health Insurance Companies

It inspected the 126 health insurance plans that were top-rated by NCQA, the National Committee for Quality Assurance, a non-profit rating group, and the health insurance online company that aggregates them. We narrowed the list to companies with highly-rated plans available in various states.

Company then took an analysis look at our nine highly rated companies to identify special strengths that might appeal to the priorities of different types of consumers. We examined how the companies were rated in NCQA subcategories in the 2020 ACSI.  J.D. Power customer contentment survey of 32,066 commercial health plan members.

It also examined at availability—the number of doctors, hospitals, and medical systems that compact with a particular insurance company’s coverage and the types of coverage offered.

Pricing (cheap health insurance) was an important factor in our opinion, and lastly, we considered the many plans offered and what sort of coverage limits. Consumers were capable to choose from while shopping around for their health insurance.

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