Want to jump straight to health insurance quotes? Compare here and find the cheapest premium with the best coverage.
Don’t let health insurance stress you out. Although there are plenty of options to choose from, we can help you narrow the list to find the right plan.
Start with our guide to better understand your health insurance options.
Blue Cross Blue Shield consists of 35 separate companies that provide health insurance for roughly one-third of Americans. The company serves all 50 states, Washington D.C., Puerto Rico, and many international areas.
While you look into the BCBS affiliates near you, understand what health plans are available as well as the health insurance cost. It offers extensive coverage that gives just about every American the opportunity to purchase a BCBS-affiliated health plan. However, be sure to read up on the company because the premiums and deductibles may not suit you and your circumstances.
- Desire for a new doctor with plenty of options
- No cap on annual maximum limits
- Comprehensive coverage with exclusive discounts and partnerships
- Coverage in all 50 states and outside the country
- Covers both generic and brand-name drugs
- Wide network of doctors, hospitals and specialists
- Plans offered through regional companies, meaning you must look to your regional company for specific policies
- Main customer service helpline may be difficult to reach
In the past, Aetna health insurance plans were available on Affordable Care Act (ACA) Marketplaces across the country. Though Aetna no longer offers ACA-compliant plans, the company continues to make healthcare more affordable through Medicare Advantage Part D coverage and dental insurance plans.
Aetna’s Medicare options extend to most parts of the country, and premiums for Advantage plans begin at $0 a month. Part D coverage, which helps pay for prescription drugs, begins at about $7 a month in most states. Additionally, Aetna offers dental insurance and dental discount plan options that anyone who doesn’t have dental coverage through their employer can take advantage of. In addition, Aetna also offers a number of additional benefits not seen with other coverage providers, including discounts on prescription drugs and rewards for meeting health goals.
- Member support
- Offers multiple mobile app offerings to reward you for reaching fitness goals
- Dental discount plans may include coverage for prescription drugs
- Medicare Advantage plans available with no monthly premiums
- Vision insurance only available when purchased with a dental plan
- ACA-compliant health insurance no longer available
Cigna Health Insurance offers low-cost private health insurance and Medicare Advantage and Supplement Plans for families and individuals. Founded in 1982 and based in Bloomfield, Connecticut, the company offers a wide array of health insurance plans including three Bronze plans, four Silver and one Gold. All Cigna plans are EPO plans, meaning they are all in-network. Free telehealth visits come with every plan and are available to customers 24/7.
The four-metal tier coverage plans include:
- Bronze
- Expanded bronze
- Silver
- Gold
Individual and family Cigna private insurance plans are all available on the Marketplace and through the Cigna website, as well as with licensed agents in each state. Because they are sold through the Marketplace, they can only be purchased during your state’s open enrollment period. Special enrollment periods apply for special circumstances.
- Easy access to benefits
- Pharmacy programs
- Savings and spending accounts such as HSA and FSA
- Supplemental plans
- Home delivery for prescriptions
- Health management mobile apps
- Easy ID card replacement
- Potentially high deductibles
- Not available in all 50 states
A reinsurance and insurance company available worldwide, Everest provides short term health insurance for anyone between regular coverage. Their short term medical coverage includes routine and emergency care, prescription coverage and flexible terms and waiting periods.
- Anybody who missed the ACA enrollment deadline
- People between jobs
- Ineligible or can’t afford COBRA
- Young people not on parental health insurance
- Affordable plans
- Temporary coverage available
- Customizable plan features
- No mobile app
eHealth works with the top insurance carriers to make searching for and comparing healthcare plans easy. eHealth offers the following types of insurance:
- Individual and family
- Medicare
- Short-term health
- Dental
- Vision
- Small business health insurance
- Comparing plans in your area
- 1-stop health insurance shopping
- Works with trusted carriers
- A+ BBB rating
- Positive customer service reviews
- Plans not available in every area
It isn’t easy to choose a health insurance company. You want to ensure you select the best carrier that will offer you the ultimate protection and has an excellent reputation within the industry. With annual revenue in the billions, Louisville, Kentucky-based Humana Health Insurance Co. is one of the largest health insurance carriers in the U.S. and offers coverage for millions of people. Humana is available in all 50 states and sells individual insurance, Medicare plans and group health insurance plans to businesses.
- People ages 65 and older and looking to enroll in Medicare
- Extras such as dental and vision coverage
- Free fitness program
- A business of any size
- Partnerships with Walgreens and Walmart to bring you expanded prescription drug coverage
- Rewards for healthy habits
- Large provider network
- HMO plans only available in 22 of 50 states
- No short-term plans offered
- Costlier plan required if you need international coverage
Here’s a quick Oscar Health Insurance Review: Oscar Health offers Exclusive Provider Organization (EPO) plans. EPOs are similar to Preferred Provider Organization plans, however, if you visit a specialist, doctor, lab, or hospital that’s not in its network, you’ll have to pay 100% of the costs unless it’s an emergency.
Oscar Health Insurance is a relative newcomer to the health insurance scene. It was founded in 2012 and operates in 18 U.S. states. Some of the perks include no-cost virtual care and preventative care visits and financial rewards of up to $100 per year for meeting walking goals.
The company offers Medicare Advantage Plans, health insurance plans for individuals and families and business health insurance plans, along with a variety of health insurance plans to meet many levels of healthcare requirements.
- Individuals who need basic medical care
- Free preventive care including annual physicals and most vaccines
- Virtual medical care visits
- Up to $100 per year is available for reaching walking goals
- No referrals needed for any plan
- 24/7 doctor on call online visits available
- Variety of plans to fit any level of healthcare needs or budget
- Coverage is only available in 18 states
- Lower deductible or no deductible plans are expensive
- No dental or vision coverage
Sidecar Health Access Plan is another approach to traditional health insurance. Instead of your health care providers billing your insurance, you pay upfront using the Sidecar Health payment card. This results in savings of up to 40% on healthcare costs for its customers.
Established in 2018, Sidecar Health Access Plan is based in El Segundo, California. Its plan options are easy-to-understand and allow you to shop upfront for affordable health care rather than receiving care and finding out what it costs later.
Learn more about Sidecar Health Access Plan and how it works.
Prefer to talk to an agent on the phone? Call 866-794-1192 to speak to a representative now.
- People who are younger than age 65
- People in relatively good health
- People who want to shop for affordable doctors, specialists or procedures
- People who want transparency in healthcare costs
- You can customize your plan
- It may reduce healthcare costs by as much as 40%
- It has a mobile app to access information on-the-go
- No provider network, so you can see any doctor with no referrals needed
- No enrollment period
- Plans are not compliant with the Affordable Care Act (ACA)
- Plans have an annual coverage limit
UnitedHealthcare is an insurance company that is dedicated to making the health care system work better for everyone. Its plans can serve customers of all ages, starting in childhood and continuing all the way through the retirement years. The company partners with more than 1.3 million health care professionals and over 6,500 hospitals to give customers the freedom to access healthcare wherever they are. This insurance provider has a strong financial standing and good ratings, making it a reliable option for just about anybody.
- People who want flexibility in their health care coverage
- People who want supplemental insurance coverage
- People who qualify for both Medicare and Medicaid
- Offers a wide variety of plans
- Strong financial and customer service ratings
- ACA and non ACA plans available
- Not all plans ACA-compliant
- The website can make it difficult to get a quote
Kaiser Permanente is a not-for-profit health plan. Kaiser Permanente offers both health insurance and health care, which has resulted in excellent reviews from customers and rating organizations. Kaiser Permanente does have limited service areas, and you typically need to stay in-network for services unless you’re experiencing an emergency.
- People in Kaiser Permanente service areas
- People who don’t mind managed care
- People who like to manage their care online
- Many services available in one location
- Ability to make appointments online or using an app
- Good customer service
- Limited service area
- Need to stay in the Kaiser Permanente network for most services
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A List of Health Insurance Companies
Choosing a health insurance company can be the most difficult part of this process. Consider this list as your guide to the best health insurance companies out there.
However, you should keep in mind that some companies only offer health insurance in certain states. You’ll need to get a quote to find out exactly what’s available in your area.
1. Blue Cross Blue Shield
Blue Cross Blue Shield offers health insurance nationwide through its network of community-based, locally-operated companies. This insurance company specifically calls out the coverage it provides to federal employees through the Blue Cross Blue Shield Federal Employee Program.
The Blue Cross Blue Shield Association also has a National Labor Office that works to provide unionized workers, unionized retirees and their families with health care coverage. If you work or travel internationally, you can also consider Blue Cross Blue Shield coverage as your health care solution.
Blue cross Blue Shield is likely available to you whether you purchase your health care independently or through your employer. If you’re eligible, you can even purchase a Medicare Advantage Plan through Blue Cross Blue Shield. Its wide range of coverage means that you’ll also have access to a wide range of participating providers, including primary care physicians, specialists, hospitals, dentists and more.
As a Blue Cross Blue Shield member, you may also be able to benefit from Blue365. This program offers access to exclusive discounts on health and wellness products and services to help you get the most from your health insurance, even outside of the doctor’s office.
Blue Cross Blue Shield consists of 35 separate companies that provide health insurance for roughly one-third of Americans. The company serves all 50 states, Washington D.C., Puerto Rico, and many international areas.
While you look into the BCBS affiliates near you, understand what health plans are available as well as the health insurance cost. It offers extensive coverage that gives just about every American the opportunity to purchase a BCBS-affiliated health plan. However, be sure to read up on the company because the premiums and deductibles may not suit you and your circumstances.
- Desire for a new doctor with plenty of options
- No cap on annual maximum limits
- Comprehensive coverage with exclusive discounts and partnerships
- Coverage in all 50 states and outside the country
- Covers both generic and brand-name drugs
- Wide network of doctors, hospitals and specialists
- Plans offered through regional companies, meaning you must look to your regional company for specific policies
- Main customer service helpline may be difficult to reach
Kaiser Permanente
Kaiser Permanente offers connected care to its members. This insurance company strives to make your care experience and managing your health simple, no matter your circumstances.
If you’re looking for a health insurance company that takes a preventative approach, Kaiser Permanente may be right for you. But Kaiser Permanente isn’t available everywhere. Be sure that it offers coverage where you live and check to see if doctors you use participate with the insurance company.
If Kaiser Permanente is an option where you live, you’ll find it offers many perks. Kaiser Permanente has caregivers available by phone 24/7 to provide advice if you find yourself suddenly ill or injured. These caregivers can offer advice on treatment, or even help you find an urgent care center or doctor if you’ll need to be seen in person.
Your membership also includes free access to a wellness coach by phone. The wellness coach can help you address any issues regarding your health, from improving your eating habits to support to quit smoking.
Kaiser Permanente makes it easy to manage your health car. Through its app, you can make and cancel most routine appointments, view results from most health tests and screenings and even read your doctor’s notes. The app can also offer an estimated cost for most procedures to make it easy to plan for the costs of your health care.
Kaiser Permanente is a not-for-profit health plan. Kaiser Permanente offers both health insurance and health care, which has resulted in excellent reviews from customers and rating organizations. Kaiser Permanente does have limited service areas, and you typically need to stay in-network for services unless you’re experiencing an emergency.
- People in Kaiser Permanente service areas
- People who don’t mind managed care
- People who like to manage their care online
- Many services available in one location
- Ability to make appointments online or using an app
- Good customer service
- Limited service area
- Need to stay in the Kaiser Permanente network for most services
Cigna
Although it’s not available in all 50 states, Cigna is among the top choices for employer-sponsored health insurance plans. It actively works to help improve the overall wellness of employees and offers a health rewards program to provide members with discounts on several health and wellness products.
Cigna takes wellness further by offering health risk management services. You’ll benefit from 1-on-1 coaching from a Cigna Health Advisor who can guide you through lifestyle changes and help you cost-effective treatments for your health concerns. Other support offered by Cigna include a cancer support program, behavioral health programs, chronic care management and more.
Cigna Health Insurance offers low-cost private health insurance and Medicare Advantage and Supplement Plans for families and individuals. Founded in 1982 and based in Bloomfield, Connecticut, the company offers a wide array of health insurance plans including three Bronze plans, four Silver and one Gold. All Cigna plans are EPO plans, meaning they are all in-network. Free telehealth visits come with every plan and are available to customers 24/7.
The four-metal tier coverage plans include:
- Bronze
- Expanded bronze
- Silver
- Gold
Individual and family Cigna private insurance plans are all available on the Marketplace and through the Cigna website, as well as with licensed agents in each state. Because they are sold through the Marketplace, they can only be purchased during your state’s open enrollment period. Special enrollment periods apply for special circumstances.
- Easy access to benefits
- Pharmacy programs
- Savings and spending accounts such as HSA and FSA
- Supplemental plans
- Home delivery for prescriptions
- Health management mobile apps
- Easy ID card replacement
- Potentially high deductibles
- Not available in all 50 states
UnitedHealthcare
Sometimes it can feel like health insurance plans are all neatly sorted into a few different boxes. There are employer-sponsored plans, individual plans and Marketplace plans. Fortunately, UnitedHealthcare recognizes there are other situations that may call for a specialized insurance plan.
UnitedHealthcare offers health plans just for college students. These plans offer lower costs, coverage for on-campus health clinics and even telehealth services. This is a great option for students that may not have access to a family health insurance plan.
UnitedHealthcare also offers plans for specific areas of coverage, such as accident insurance and hospital and doctor indemnity insurance.
UnitedHealthcare is an insurance company that is dedicated to making the health care system work better for everyone. Its plans can serve customers of all ages, starting in childhood and continuing all the way through the retirement years. The company partners with more than 1.3 million health care professionals and over 6,500 hospitals to give customers the freedom to access healthcare wherever they are. This insurance provider has a strong financial standing and good ratings, making it a reliable option for just about anybody.
- People who want flexibility in their health care coverage
- People who want supplemental insurance coverage
- People who qualify for both Medicare and Medicaid
- Offers a wide variety of plans
- Strong financial and customer service ratings
- ACA and non ACA plans available
- Not all plans ACA-compliant
- The website can make it difficult to get a quote
Humana
Humana has something for everyone. It offers several forms of health insurance coverage, including Medicare, Medicaid, dental, vision and employer-sponsored plans. No matter which type of plan you choose, you can trust Humana to be there as a partner in supporting your health and overall wellbeing.
As a Humana member, you can benefit from the numerous online resources that it offers. This starts with a guide to help you better understand the coverage that Humana offers and what is covered by your insurance plan.
You’ll also have access to mobile apps that allow you to order prescriptions, check on your claims and even earn rewards. Humana’s unique calendar of events is another major member benefit. On most days, Humana offers a virtual wellness class to keep you engaged and motivated from home. Past classes have included strategies for managing your blood pressure and how to get better sleep.
It isn’t easy to choose a health insurance company. You want to ensure you select the best carrier that will offer you the ultimate protection and has an excellent reputation within the industry. With annual revenue in the billions, Louisville, Kentucky-based Humana Health Insurance Co. is one of the largest health insurance carriers in the U.S. and offers coverage for millions of people. Humana is available in all 50 states and sells individual insurance, Medicare plans and group health insurance plans to businesses.
- People ages 65 and older and looking to enroll in Medicare
- Extras such as dental and vision coverage
- Free fitness program
- A business of any size
- Partnerships with Walgreens and Walmart to bring you expanded prescription drug coverage
- Rewards for healthy habits
- Large provider network
- HMO plans only available in 22 of 50 states
- No short-term plans offered
- Costlier plan required if you need international coverage
Aetna
If you qualify for Medicare, Aetna is a great insurance company to help you find the right Medicare solution for your needs. The Aetna Medicare Advantage plans are available at an affordable premium and offer a number of useful benefits. These plans are designed to complement your Original Medicare plan to expand the coverage that you receive.
Aetna also offers other Medicare plans to further your coverage. Its Part D prescription drug plans offer coverage for your medications if it’s not included in your other Medicare plans. Aetna’s Medicare Supplement Insurance plans (also known as Medigap) offer coverage for health care services that aren’t covered by your Original Medicare plan.
No matter which types of Medicare coverage you need, you can speak with an Aetna specialist by phone to help you find the appropriate solution.
In the past, Aetna health insurance plans were available on Affordable Care Act (ACA) Marketplaces across the country. Though Aetna no longer offers ACA-compliant plans, the company continues to make healthcare more affordable through Medicare Advantage Part D coverage and dental insurance plans.
Aetna’s Medicare options extend to most parts of the country, and premiums for Advantage plans begin at $0 a month. Part D coverage, which helps pay for prescription drugs, begins at about $7 a month in most states. Additionally, Aetna offers dental insurance and dental discount plan options that anyone who doesn’t have dental coverage through their employer can take advantage of. In addition, Aetna also offers a number of additional benefits not seen with other coverage providers, including discounts on prescription drugs and rewards for meeting health goals.
- Member support
- Offers multiple mobile app offerings to reward you for reaching fitness goals
- Dental discount plans may include coverage for prescription drugs
- Medicare Advantage plans available with no monthly premiums
- Vision insurance only available when purchased with a dental plan
- ACA-compliant health insurance no longer available
Fidelis Care
Fidelis Care prioritizes its members and their understanding of health insurance. That’s why it offers the ability to reach out for assistance by phone, mail or at a local community office. This insurance company understands that changes in financial situations can arise. If you lose your health insurance due to a job loss or other eligibility reasons, you can trust that Fidelis Care will be there to help.
Fidelis Care has also created virtual video resources to help answer questions about your health insurance. This includes videos about what you need to know if your income and/or eligibility changes. No matter what your circumstances are, Fidelis Care can help you find affordable health insurance for you and your family.
A List of Short-Term Health Insurance Options
If you’re in a transition phase between jobs or other situations, you may find yourself without health insurance coverage for a short period of time. Short-term health insurance can help by giving you coverage at a lower cost until you’re able to secure a more permanent health insurance plan.
Pivot Health
Pivot Health offers short-term health insurance that can last anywhere from 1 month to just under a year. You’ll benefit from the flexible coverage that allows you to choose your doctor with few restrictions.
If you prefer, you can take advantage of Pivot Health’s video consultation services to give you quick access to a doctor who can help diagnose and provide prescriptions for minor ailments.
Pivot Health short-term medical plans also offer benefits. You’ll have access to discounted and prescriptions and discounted vision services with your short-term plan.
Pivot Health is your partner in big life changes that may require you to seek temporary health insurance.
Pivot Health can help you find short term health plans, supplemental insurance products and more. Compare plans from multiple providers and get insurance that fits your needs today.
- Comparing short term health plans from multiple providers
- Work with the most trusted short term health plan providers
- No network restrictions
- Telemedicine coverage
- Plans not available in every state
UnitedHealthcare
UnitedHealthcare short-term medical insurance plans can last anywhere from 30 days to several months. You can choose from a basic short-term insurance plan or an enhanced short-term insurance plan, depending on your state.
The best thing about UnitedHealthcare’s short-term plans is the transparency. The company is clear its plans differ from traditional health insurance plans.
For example, United Healthcare makes it clear that short-term insurance plans are not held to coverage requirements and do not need to cover preexisting conditions. It gives you the tools and resources you need when considering this insurance option to decide whether it’s the best choice for you and your family.
UnitedHealthcare is an insurance company that is dedicated to making the health care system work better for everyone. Its plans can serve customers of all ages, starting in childhood and continuing all the way through the retirement years. The company partners with more than 1.3 million health care professionals and over 6,500 hospitals to give customers the freedom to access healthcare wherever they are. This insurance provider has a strong financial standing and good ratings, making it a reliable option for just about anybody.
- People who want flexibility in their health care coverage
- People who want supplemental insurance coverage
- People who qualify for both Medicare and Medicaid
- Offers a wide variety of plans
- Strong financial and customer service ratings
- ACA and non ACA plans available
- Not all plans ACA-compliant
- The website can make it difficult to get a quote
Medical Mutual
Medical Mutual offers short-term medical plans that can be active within 24 hours of submitting your application. You can choose from 6 different short-term plans to provide the level of coverage that you need until you’re able to get another health insurance plan.
Medical Mutual’s short-term insurance plans offer a variety of services that are similar to those offered by the Affordable Care Act. This includes coverage for telehealth services and access to a large provider network to get you the care that you need. These plans also offer affordable monthly premiums for up to 364 days of coverage.
How to Choose Health Insurance
To choose the health insurance option that’s right for you, start by comparing quotes from several providers. Enter your ZIP code for a quick, free way to take the next step toward health insurance coverage today.
