What are the best health insurance in the United States? When you’re not eligible for cheaper health insurance or private health insurance through an employer, choosing a health insurer becomes more complex.
That is why we have made a compilation of companies with the best private medical insurance to cover each of your needs. Keep reading!
12 Best Private Health Insurance in The United States
There are several reasons why you may be wondering where to buy private health insurance. It could be reasons such as:
- Your age is 26 years or older.
- You lost your job.
- You are employed part-time.
- You are self-employed.
- You own a business with employees.
- Your parents, your partner, or you have retired.
- Your insurer has canceled your coverage plan.
Best Health Insurance in The United States in 2022
If any of the reasons mentioned above coincide with your situation, here is a list of companies with the best private medical insurance in the USA:
1. Aetna
The first company on our list with the best private health insurance for Medicare is Aetna.
The reason:
Despite being rated highly by JD Power in 2020 for the states of Ohio and Virginia, their monthly premiums tend to be more affordable compared to other companies in the market.
Aetna has earned an overall rating of 4.5 from the NCQA for the states of Connecticut and Maine.
In addition to the Medicare plans you can find with Aetna, you can also opt for Medicare supplement insurance such as:
- Ophthalmology service.
- Dental service.
- Hearing service.
- Prescription drug plans.
- Financial strength.
- You can quote and purchase your coverage online.
- Affordable coverage options.
- It does not have short-term coverage.
2. Blue Cross Blue Shield
One of the largest national health insurers in the United States is Blue Cross Blue Shield.
To give you an idea of its quality:
Most doctors and hospitals on US soil have chosen Blue Cross Blue Shield as their insurance provider.
The NCQA rated Blue Cross Blue Shield’s Anthem health plans with an overall score of 4.5 for the State of Connecticut (HMO/POS type plan).
With this company, you can find plans such as:
- Individual coverage at Healthcare.gov.
- Coverage for prescription drugs.
- Coverage for employers.
- Available in all 50 states and covers its policyholders outside the country.
- Access to multiple hospital centers and medical professionals.
- Affordable coverage options.
- Sometimes contacting the insured service line can take a long time.
3. CDPHP
CDPHP has been rated by US News & World Report as one of the best health insurance companies for Medicare benefits in 2021.
Moreover, the NCQA has rated CDPHP for New York State with a score of 5 for customer satisfaction, a score of 4.5 for quality of prevention, and a score of 4 for quality of treatment.
The health plan it offers is of the HMO/POS type for New York and has 825,000 providers nationwide.
- Excellence in customer satisfaction for private health insurance.
- Health care teleservice.
- Worldwide coverage of medical emergencies.
- It would be the best option for New York residents.
4. Kaiser Permanente
Kaiser Permanente has earned excellent ratings for its private health plans and Medicare Advantage, both of which are HMO-type.
Being of the HMO type, it becomes an ideal option for individuals who do not have a high degree of purchasing power.
Why?
It is because their premiums and additional medical expenses that have to be incurred are practically low. This company is available in states such as:
- Washington D.C.
- Washington.
- California.
- Colorado.
- Maryland.
- Hawaii.
- Virginia.
- Oregon.
- Georgia.
If you live in any of the states listed above, we recommend making your quote with Kaiser Permanente, as it has been rated by JD Power for 2020 as the best performer.
- Save with its low premiums for being an HMO.
- Not available in all states.
5. Oscar Health
Oscar is a private health insurance company that stands out in the industry for its excellent customer service and extra benefits for its policyholders.
It also has a network of exclusive provider organizations, so if you want to save on medical service expenses, the ideal is that you use only and exclusively its provider network.
Requesting medical care with its provider network is very easy since you just have to access its mobile app or dial by phone.
The three plans that Oscar offers for individuals are:
- Simple.
- Save.
- Classic.
Another point to highlight is the medical coverage that it offers for small business employers.
- Access to doctors 24/7.
- Quick and simple online quote process.
- Customer service through the medical team.
- Not available in all states.
6. Cigna
The private health insurance offered by Cigna stands out for its global coverage and you can trust its compensation plans, as it has been rated by AM Best with an A for its financial strength.
It sells health plans for individuals in 10 states, as well as international health insurance for students, and is rated by JD Power as one of the best for customer service in the American Southwest.
Cigna is an HMO plan type and offers the following types of plans for individuals:
- OAP.
- LocalPlus.
- PPO.
- EPO.
- Plans based on HSA, HRA, and FSA-type accounts.
- Pharmaceutical service at home.
- Access to Cigna telehealth providers.
- Not available in all states.
7. Human
At Humana, you can not only find a private health policy, but it is available in all states.
You can trust this insurer, as in addition to its financial strength, JD Power ranked it third for 2020, after taking an in-depth look at its Medicare Advantage plan.
Even according to the BusinessWire portal, 92% of Humana’s Medicare Advantage members have 4-star contracts for the year 2020.
This makes it clear how Humana focuses on offering an excellent quality health service and at the same time on the satisfaction of its members.
Humana has a wide range of health care coverage products and your options to choose from are:
- Medicare Advantage plans.
- Prescription drug plans.
- Medicare supplement insurance plans.
- Plans for visual health.
- Dental health plans.
Do you usually wear glasses or contact lenses?
If your answer is yes, then don’t wait any longer and access your visual health benefits that include an annual vision evaluation and if that were not enough, access to contact lenses or choose a set of glasses for a modest annual fee.
- High-quality coverage.
- It has agents in all states.
- Good customer service.
- Ideal for people with chronic health conditions.
- Some of their coverage plans are not available in all states.
8. HealthPartners
HealthPartners is one of the best health coverage options in Minnesota and Pennsylvania. The coverage plans offered are of the PPO type with networks such as HealthPartners Peak and HealthPartners Atlas respectively.
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The NCQA gave it an overall score of 4.5 out of 5 and you can find coverage plans with HealthPartners such as:
- Dental plan.
- Medicare Advantage Plan.
- Medicare Supplement Plan.
- Medicaid plan.
- CHIP Plan (Health coverage for children).
- Coverage for prescription drugs.
- High-quality coverage.
- Wide range of coverage for your health.
- Medical appointment via video call.
- Not available in all states.
9. HCSC
Health Care Service Corporation stands out as the largest customer-owned health insurance company in the United States. It has millions of policyholders in the 5 states where it operates, such as:
- Illinois.
- Mountain.
- New Mexico.
- Oklahoma.
- Texas.
It has an A rating for financial strength from AM Best and online health plans are available 24/7.
What makes HCSC different from other health insurers is its Blue Care Connection program, which supports its members and members’ families in meeting their health and wellness goals.
Not convinced yet? This gets more interesting:
Your Blue Care Advisors team provides you with training, education, and monitoring of your wellness plans, including benefits such as:
- Fitness management, especially for people with chronic conditions.
- Care management for members entering medical emergency rooms for the first time.
- You’re a Well on Target package for online health and fitness assessment, tools, and expert phone coaching.
- Lifestyle management program.
- Nurse line 24/7.
- Blue 365 to save on expenses that health policies do not usually cover.
- Various health programs.
- Tips for health and wellness.
- Financial strength.
- Not available in all states.
10. Harvard Pilgrim
Harvard Pilgrim Health Care has been rated an overall score of 4.5 out of 5 by the NCQA for the state of Maine and 4.0 for New England. It is currently one of the leaders in health coverage in states such as:
- NewHampshire.
- Massachusetts.
- Maine.
Offers Medicare coverage plans such as:
- Medicare Advantage Stride(HMO).
- Medicare Supplement Plan.
- Medicare Enhance.
- Celebrating 65.
- High-quality coverage.
- Wide range of coverage for your health.
- Medical appointment via video call.
- Not available in all states.
11. Molina Healthcare
Molina Healthcare medical insurance should be another option on your list, since it includes multiple benefits for its policyholders, such as:
- Preventive health care services.
- Immunizations for adults.
- Immunizations for children and adolescents.
- Preventive, prenatal, and postnatal pediatric care.
Molina Healthcare is one of the best insurers for the self-employed, as it has affordable plans, but the best thing is that if you are an Illinois resident, you may be eligible to qualify for the dual plan that includes Medicare AND Medicaid benefits with Molina Healthcare.
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If you are not a resident of Illinois, you should still consider this option, since this insurer offers its Medicare and Medicaid plans in states such as:
- California.
- Florida.
- Michigan.
- Mississippi.
- Ohio.
- New Mexico.
- Puerto Rico.
- Wisconsin.
- South Carolina.
- Utah.
- Texas.
- New York.
- Washington.
- It stands out for preventive health care.
- Affordable coverage plans.
- Not available in all states.
12. United Healthcare
We could say that it is an all-in-one insurer when it comes to health coverage, since both individuals, employers, Medicare, and Medicaid beneficiaries can enjoy the benefits that United Healthcare offers.
AM Best has rated it an A for excellence in financial strength, as well as being part of UnitedHealth Group, the largest health insurer in the United States, meaning it operates in every state.
The following options are available among its health coverage plans for individuals and families:
- Tritheism Medical.
- Short Term Insurance.
- dental plan.
- Vision plan.
- Critical illness insurance.
- Hospital and medical fixed indemnity insurance.
If you like to manage your medical appointments electronically, then this company is for you, since you can even make your request for medical prescriptions through the internet.
- Access medical appointments easily online.
- You earn financial rewards if you participate in fitness with their tracking technology.
- Medical appointment via video call.
- It does not have above-average ratings in terms of customer satisfaction.
Conclusion:
When you go to choose a private coverage plan for your health, it is important that you take into account the financial strength of the insurer, the score in its customer satisfaction, as well as the breadth of its coverage to save money on high additional costs for medical care.
Frequent Questions:
✅ What is private health insurance?
Private health insurance is that medical coverage plan that is not offered by government agencies, federal or state, but by private health insurers.
✅ How does private health insurance work?
Most private health insurance policies are usually offered through employers, although they can also be purchased on their own, but bearing in mind that you will have to bear the total cost of the plan on your own. These private coverage plans work to reduce medical costs, in terms of medicines. medical or hospital care.
✅ How much does private health insurance cost?
According to the eHealth Insurance portal, the cost of individual private health insurance in the United States is $440 per month on average if purchased on your own.
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✅ What is the best health insurance in Texas?
United Healthcare is the best health insurance company in Texas, even offering short-term plans.
✅ How to buy health insurance in the United States?
According to the portal usa.gov, the requirements to buy health insurance in the United States are to live in the United States, be a US citizen by birth, naturalized or be a permanent resident with a Green Card and not be in prison.
