Which Health Insurance is Best for You in the USA?

Health insurance is an essential part of maintaining your well-being and financial security. With so many options available, it can be difficult to decide which health insurance company is best for you. In this article, we'll review six of the top health insurance companies in the USA: Blue Cross Blue Shield, Oscar, Kaiser Permanente, Aetna, UnitedHealth, and CVS Health.

Blue Cross Blue Shield

Blue Cross Blue Shield (BCBS) is a great choice for comprehensive quality.

It's widely available through dozens of regional companies, has a wide selection of plans, and some plans have dental coverage for children or adults. BCBS also earns good marks from the National Committee for Quality Assurance (NCQA) for its quality and customer experience.

Oscar

Oscar offers great prices and a good selection of metal plans and levels. You can choose between an HMO, a PPO or an EPO, and the plans are available in the “bronze”, “silver”, “gold” and “catastrophic insurance” categories on the health insurance market or on your state's stock exchange.

Kaiser PermanenteKaiser Permanente has the best quality ratings out of the six companies on this list. The company's average NCQA rating for its plans is 4.28 out of 5, which is by far the highest of the companies we analyzed. However, there aren't a lot of plan options to choose from. Most Kaiser Permanente plans are HMOs, meaning you're strictly limited to using network providers.

In addition, Kaiser Permanente only sells health plans in eight states plus the District of Columbia.

Aetna

Aetna could be the right provider if you want the convenience of having coverage for your CVS MinuteClinics visits. You can choose from a variety of coverage levels for ACA plans (minimum coverage, bronze, silver, gold, and platinum). Aetna is also a strong competitor with a large presence.

UnitedHealthAs a diversified health and wellness company, UnitedHealth Group's core capabilities are clinical expertise, advanced technology, and health data and information. It's a health benefits company committed to improving lives and communities and simplifying healthcare. UnitedHealth is also a strong competitor with a large presence.

CVS Health

CVS Health is a healthcare innovation company with the purpose of helping people on their path to better health.

CVS has more than 9,900 retail stores, nearly 1,100 walk-in medical clinics, a pharmacy benefits manager with approximately 100 million plan members, a diversified health care benefits company serving about 23.4 million medical members, a pharmaceutical care company for the elderly that serves more than one million patients per year, which expands specialty pharmacy services, and a separate Medicare Part D prescription drug plan.

Evaluating Your Health Insurance Needs

When it comes to selecting the right health insurance provider for you and your family's needs it's important to evaluate what services are available in your state or region as well as what type of coverage you need and what type of plan best fits your budget. Some companies offer identity protection services such as fraud monitoring and identity theft resolution; behavioral health resources; travel assistance; programs such as Behavioral Health Case Management Program; dental insurance plans; Medicare supplement plans; other supplemental insurance; international health insurance; Priority Health Wellbeing Hub experiences such as walking challenges; HMOs; PPOs; network-based dental products; various hybrid and specialized products; and health plan services that combine attractive attributes with effective cost-control techniques. If customer satisfaction ratings are most important to you and you're interested in an HMO plan, find out if Kaiser is available in your area.

For those who care about their budget but still want quality coverage, Oscar is worth considering.

Government Health Programs

If you don't have comprehensive affordable health insurance through employment or other means there are other ways to get health insurance coverage such as Medicare or Medicaid. Medicare is a federal program that provides healthcare coverage to people over 65 years old or those with certain disabilities or medical conditions. Medicaid is another government program that provides subsidies to people who are eligible for low-cost health insurance based on their income level.

Conclusion

Choosing the right health insurance company can be difficult but it's important to evaluate your specific needs before making a decision. Consider what services are available in your area or region as well as what type of coverage you need and what type of plan best fits your budget before making your decision. If you don't have comprehensive affordable health insurance through employment or other means there are other options such as Medicare or Medicaid.