Which Companies Offer the Best Health Insurance Plans?

Compare different health insurance companies & coverage options to find the best plan for you & your family. Learn more about BCBS & other insurers.

Which Companies Offer the Best Health Insurance Plans?

When it comes to finding the best health insurance plans, Blue Cross Blue Shield (BCBS) is a great option. With an average rating of 3.7 out of 5 stars from the National Committee for Quality Assurance (NCQA), BCBS offers the second highest rating of all the insurers analyzed. In addition to HMO plans, BCBS also provides PPO, EPO, and POS plans, giving you more flexibility when it comes to choosing a provider. Plans are available across the country, but vary by region, and Marketplace plans may not be available in all areas.

BCBS is also a great choice for small business health insurance plans and is our top pick in that category. Oscar plans have a lower rating from Healthcare.gov, with only 2 stars, and an average rating of 2.75 stars from the NCQA. These ratings suggest that members may not have the best experience with Oscar compared to other companies. Kaiser Permanente is only available in eight states and the District of Columbia, and they generally offer HMO plans, which restrict care to network providers. However, they do offer four Metal Levels Plus plans with minimum coverage, so those looking for an HMO in one of the states where Kaiser Permanente operates have plenty of options. Kaiser Permanente also offers medical treatment programs for various conditions, including depression.

Ultimately, your options are limited by the availability of plans in your state and by the drugs and services you need them to cover. But if you're looking for well-managed plans and a positive member experience, Blue Cross Blue Shield offers good value for money and great ratings. If Kaiser Permanente provides services in your area and you prefer an HMO plan, there's no better option based on their plan ratings or customer satisfaction history. If you're looking for the most affordable plan, Oscar is one of the companies to consider, as is Aetna, especially if you qualify for early tax credits for premiums. Aetna also offers great value for money if you want to take advantage of CVS MinuteClinic services.

And UnitedHealthcare is a good choice if you're looking for a Medicare Advantage plan or short-term coverage. Providence Health plans include identity protection with fraud monitoring and identity theft resolution services, behavioral health resources, and travel assistance to help with travel logistics. Any health insurance that includes California's essential health benefits has minimum essential coverage. Network providers are centers, providers, laboratories, hospitals, and pharmacies that your health plan contracts with to provide medical care. UPMC health plans include up to six behavioral health counseling sessions to address wellness issues such as diabetes management. Members also have access to programs like the Behavioral Health Case Management Program which connects members with mental health or substance abuse problems with additional support.

Members can also access the Priority Health Wellbeing Hub which offers experiences such as walking challenges to help members achieve their health goals. You and your dependents may be able to maintain your current health coverage even if you lose group health benefits. We evaluate large, small and regional health insurance providers to find the best health insurance companies across the country. Physicians Health plans offer several tools and resources that members can use to manage their health. Health insurance is essential for your well-being and your pocketbook but comparing health insurance companies isn't easy. An allowed amount or negotiated rate is the maximum your insurance will pay for a service; if your provider charges more than this amount you may have to pay the difference.

A personal outlay limit is the maximum amount you pay for one year before your health insurance company starts paying 100% of the allowed amount; this limit does not include premiums or billed balance charges. Health (usual, usual, and reasonable) is the amount that providers in an area usually charge for the same or a similar service; this amount may be based on XXXXXXXXXXXXXXX quantity. And remember that your insurance company cannot charge you more for a visit to a mental health provider than for a visit to a similar physical health provider.

Maryann Bisarra
Maryann Bisarra

Hardcore social media evangelist. Certified food fan. Hipster-friendly pop cultureaholic Passionate bacon trailblazer. Certified pop culture advocate.

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