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Compare the top health insurance companies, plans, provider networks and coverage options available in the United States.
Ranked by claim settlement ratio, network size, plan quality, and customer experience. Tap "Compare" on any 2 companies to see them side by side.
The largest health insurance provider in the United States offering employer, Medicare, Medicaid and individual ACA Marketplace plans.
UnitedHealthcare is an excellent choice for individuals, families and employers seeking nationwide provider access, comprehensive plan options and strong digital healthcare services.
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Integrated healthcare system combining insurance coverage with hospitals and physicians.
Kaiser Permanente delivers coordinated medical care with excellent preventive health services and high member satisfaction where available.
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Federation of independent health insurance companies serving millions of Americans nationwide.
Blue Cross Blue Shield is ideal for people who value nationwide provider access and a wide variety of health insurance options.
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Major U.S. health insurer offering employer, Medicare, Medicaid and individual health plans.
Aetna combines broad insurance coverage with convenient pharmacy and healthcare services through CVS Health.
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Global health insurer offering employer health plans, Medicare and supplemental insurance solutions.
Cigna Healthcare is well suited for employees and businesses seeking comprehensive health plans with wellness-focused benefits.
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Leading Medicare Advantage provider offering health insurance for seniors, families and employers.
Humana is an excellent choice for seniors seeking Medicare Advantage plans with wellness benefits and comprehensive healthcare support.
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Formerly Anthem, offering commercial, Medicare and Medicaid health insurance across multiple U.S. states.
Elevance Health offers strong regional health insurance options backed by Blue Cross Blue Shield brands in many states.
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Health insurer focused on Medicaid, Medicare and Marketplace coverage for individuals and families.
Molina Healthcare is ideal for eligible members seeking affordable Medicaid, Medicare and Marketplace insurance.
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Major healthcare enterprise providing Medicaid, Medicare and Marketplace insurance through regional brands.
Centene provides reliable Medicaid and Marketplace coverage through established regional insurance subsidiaries.
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Technology-driven health insurer focused on ACA Marketplace plans with digital healthcare tools.
Oscar Health is ideal for tech-savvy customers who value virtual care, digital tools and simplified health insurance management.
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All key metrics at a glance.
| # | Company | Network Hospitals | Starting Premium | Max Coverage |
|---|---|---|---|---|
| 1 |  UnitedHealthcare | 1.7+ million physicians & healthcare professionals | Varies by state and plan | Up to policy limits |
| 2 |  Kaiser Permanente | 39 hospitals and 24,000+ physicians | Varies by region | Up to policy limits |
| 3 |  Blue Cross Blue Shield | Largest provider network in the U.S. | Varies by state | Up to policy limits |
| 4 |  Aetna | Large nationwide provider network | Varies by plan | Up to policy limits |
| 5 |  Cigna Healthcare | Large national provider network | Varies by plan | Up to policy limits |
| 6 |  Humana | Large nationwide provider network | Varies by plan | Up to policy limits |
| 7 |  Elevance Health | Extensive regional provider networks | Varies by state | Up to policy limits |
| 8 |  Molina Healthcare | Regional provider networks | Affordable plan options | Up to policy limits |
| 9 |  Centene Corporation | Regional healthcare networks | Varies by plan | Up to policy limits |
| 10 |  Oscar Health | Regional provider networks | Competitive Marketplace premiums | Up to policy limits |
Key features you must check before buying any health insurance plan in USA.
A low monthly premium often means a high deductible. Calculate your likely total annual cost, premium plus expected out-of-pocket, before choosing a plan.
Before enrolling, verify that your preferred doctors and hospitals are in-network, since out-of-network care can lead to much higher costs.
HMOs are cheaper but restrict you to a network and require referrals, while PPOs cost more but offer flexibility to see specialists directly.
This caps your total annual spending on covered care. A lower out-of-pocket maximum offers better protection in a serious medical event.
If you take regular medications, check the plan's drug formulary and tier pricing, as coverage for the same drug can vary widely between plans.
Missing open enrollment means waiting until next year unless you qualify for a special enrollment period through a life event like marriage or job loss.
Health insurance helps cover the cost of medical care, including doctor visits, hospital stays, and prescriptions, protecting you from high out-of-pocket healthcare costs.
A deductible is the amount you pay out of pocket for covered services before your insurance plan starts to pay.
HMO plans require you to use a specific network of doctors and get referrals for specialists, while PPO plans offer more flexibility to see out-of-network providers at a higher cost.
A premium is the amount you pay, usually monthly, to keep your health insurance policy active, regardless of whether you use medical services.
The out-of-pocket maximum is the most you have to pay for covered services in a plan year, after which your insurer pays 100% of covered costs.
Under the Affordable Care Act, insurers cannot deny coverage or charge more due to pre-existing conditions on marketplace plans.
Most people can enroll during the annual open enrollment period, though qualifying life events like marriage or job loss allow for special enrollment periods.
A copay is a fixed dollar amount you pay for a service, while coinsurance is a percentage of the cost you share with your insurer after meeting your deductible.
Disclaimer: The information on this page is for educational purposes only. Premium amounts are indicative and may vary based on age, health, and plan selected. Please verify all details directly with the insurer before purchasing. Finzony is not an insurance broker or agent.