List of The Best Health Insurance in America!

There are many general as well as specialist insurance plans in the U.S. is a staggering challenge. But, its limitless benefits can also be frustrating for customers who might need quick answers to the most asked questions. More and more Americans are looking for a way to save money on their health insurance. The best way to find a new insurance company is by talking to a friend who is insured. If that is not an option, there are a few other ways to find a reputable health insurance company.

Ratings reveal a company financial strength as well as its consumer reputation. We chose the health insurance companies with the largest market share and evaluated them based on financial condition, customer satisfaction, and other factors. Other factors include factual information of companies such as financials, customer satisfaction, complaints, geographic reach, pricing, and total insureds.

 What do you must know before taking any health insurance in the United States of America?

  • Insurers provide several kinds of insurance policies in various parts of the United States and the world.
  • The history and overview of insurance can inform you whether its goals fit with yours.
  • Check out the financial and customer satisfaction ratings of health insurance carriers to see what others think of them.

Best Health Insurance in America

UnitedHealth Group 

In 1977, Richard T. Burke established the Minneapolis-based UnitedHealth Group. UnitedHealth Group aims to help people live healthier lives and make the health system function better for everyone. UnitedHealth Group operates in all 50 states through its subsidiaries UnitedHealthcare and Optum. It insures over 46 million Americans. Moreover, the corporation employs 7.6 million individuals worldwide.

 Kaiser Permanente

Kaiser Permanente was founded in 1945 in response to healthcare difficulties due to the Great Depression aftermath. Founders Henry J. Kaiser and Sidney R. Garfield were looking for a cost-effective solution to deliver high-quality treatment. Kaiser Permanente is present in eight states: California, Colorado, Georgia, Hawaii, Maryland, Oregon, Virginia, Washington and Columbia. The firm, situated in Oakland, California, covers roughly 12.5 million members. Kaiser Foundation Health Plan, Inc., Kaiser Foundation Hospitals, and Permanente Medical Groups are Kaiser Permanente derivatives.


Founded in 1853 as a life insurance company. Aetna today is one of the largest providers of health benefits in the country. It does not offer insurance for individuals and families. Moreover, Aetna offers group plans, such as through an employer. Also, they offer their group plan through Medicare, Medicaid and international plans. The insurer has Medicaid plans in 14 of the Northeast and the South. They insured about 22.1 million members


Centene Corporation established itself as a nonprofit Medicaid plan in 1984. It promotes as biggest Medicaid Managed Care Organization in the country. It also provides health coverage to folks who do not qualify for Medicaid. Centene has subsidiaries with the Health Care Enterprise group. Also, the subsidiary includes the Envolve family of firms. The corporation has a headquarter in St. Louis. It also covers over 25 million people across the country.


Cigna is a byproduct of the Insurance Company of North America (founded in 1792) and the Connecticut General Life Insurance Company (founded in 1865). Today, the firm has a global reach in more than 30 countries. Cigna has 17 million medical consumers worldwide. Furthermore, Cigna provides health insurance products and services in all 50 states.

Blue Cross Blue Shield

In the early 1900s, two firms — Blue Cross and Blue Shield — supplied healthcare services. They merged in 1982 to establish Blue Cross Blue Shield, a massive corporation (BCBS). The headquarters is in Chicago. The main corporation licenses BCBS insurance to 35 separate local operated companies. They run some major healthcare insurers in the United States. For example, Anthem and Independence Health Group. Approximately 110 million people in all 50 states got covered by the BCBS network.

Health Plan Terms

  • Coinsurance is the amount you pay for covered services after you’ve met your deductible. For example- if your employer requires a 20% coinsurance on $100. You would pay $20 to the doctor and the insurance company would cover the remaining $80.
  • A deductible is the amount of money you must pay out of pocket. Before, your health insurance provider will begin to cover claims.
  • EPO stands for the exclusive provider organization. It allows you to select your providers from a specified network. You can do so without having to select a primary care physician. You may, yet, be unable to use the insurance coverage with out-of-network doctors.
  • PPO: Also known as preferred provider organization. It is a form of plan in which you can select your providers from a network. A primary care physician must get chosen. It gives you a bit more freedom than an HMO. Also, you may still get allowed to see out-of-network physicians (at a higher rate).
  • Providers who are part of the network of your health insurance organization. These providers are less expensive. As they have agreed to cut prices with your insurance.
  • Out-of-network providers are those who are not part of your insurance company’s network. If you go out of network, you may have to pay extra out of cash. Or the insurer may not cover any of your expenditures if you don’t pick an in-network provider.

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