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Best Health Insurance Companies Of November 2022

Fact Checked

Amy Danise
editor

Fact Checked

Updated: Nov 1, 2022, 1:41pm

Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations.

Health insurance is vital to your well-being and your wallet, but comparing health insurance companies isn’t straightforward.

We evaluated large, small and regional health insurance providers to find the best health insurance companies across the country. See our top picks below.

Read more

Best Health Insurance Companies—Large Providers


Kaiser Permanente

Kaiser Permanente
5.0
Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team.

Availability

8 states and Washington, D.C.

Provider network

39 hospitals and 734 medical facilities with 23,656 physicians

Telehealth offered?

Yes

Kaiser Permanente
Learn More

On Healthcare Marketplace's Website

Availability

8 states and Washington, D.C.

Provider network

39 hospitals and 734 medical facilities with 23,656 physicians

Telehealth offered?

Yes

Details

Kaiser Permanente is a nonprofit organization that combines health insurance and the delivery of health services through integrated care so members get a “coordinated experience.” In addition to hospitals operated by Kaiser, its network includes doctors, pharmacies, labs, imaging and other services. This integrated approach has resulted in a very low level of complaints from members.

Kaiser Permanente is available in California, Colorado, Georgia, Hawaii, Maryland, Oregon, Virginia, Washington and Washington, D.C.

Kaiser’s Thrive Local is a referral system that connects members to non-medical and socioeconomic services they may need, such as services for a disability.

Cost examples for Silver plan
Member profile Monthly cost for Kaiser Silver plan in Oregon
Child age 0-14 $221
Child age 18 $221
Adult individual age 21 $348
Adult individual age 27 $365
Adult individual age 30 $395
Adult individual age 40 $445
Adult individual age 50 $622
Adult individual age 60 $945
Couple age 21 $696
Couple age 30 $791
Couple age 40 $890
Couple age 50 $1,244
Couple age 60 $1,890
Couple age 21 + 1 child $917
Couple age 30 + 1 child $1,012
Couple age 40 + 1 child $1,111
Couple age 50 + 1 child $1,465
Couple age 21 + 2 children $1,138
Couple age 30 + 2 children $1,233
Couple age 40 + 2 children $1,332
Couple age 50 + 2 children $1,686
Couple age 21 + 3 or more children $1,359
Couple age 30 + 3 or more children $1,454
Couple age 40 + 3 or more children $1,553
Couple age 50 + 3 or more children $1,907
Individual age 21 + 1 child $569
Individual age 30 + 1 child $616
Individual age 40 + 1 child $666
Individual age 50 + 1 child $843
Individual age 21 + 2 children $790
Individual age 30 + 2 children $837
Individual age 40 + 2 children $887
Individual age 50 + 2 children $1,064
Individual age 21 + 3 or more children $1,011
Individual age 30 + 3 or more children $1,058
Individual age 40 + 3 or more children $1,108
Individual age 50 + 3 or more children $1,285

Blue Cross Blue Shield

Blue Cross Blue Shield
4.5
Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team.

Availability

50 states and Washington, D.C.

Provider network

Varies by Blue Cross Blue Shield plan

Telehealth offered?

Yes

Blue Cross Blue Shield
Learn More

On Healthcare Marketplace's Website

Availability

50 states and Washington, D.C.

Provider network

Varies by Blue Cross Blue Shield plan

Telehealth offered?

Yes

Details

Blue Cross Blue Shield (BCBS) is made up of 34 independent and locally operated health insurance companies. Members of certain BCBS plans can join Blue365 for free health and wellness discounts. There are discounts for fitness products, such as Fitbit, hearing and vision, such as Target Optical, and meal boxes from Freshly.

Members also get access to doctors and hospitals in more than 200 countries through Blue Cross Blue Shield Global Core.

Forbes Advisor’s analysis of all Blue Cross Blue Shield plans found that member complaints are generally very low. Notable exceptions to this are in California, where Blue Shield of California has a complaint level that’s more than four times the industry average. Also, Anthem Blue Cross in California has twice as many complaints as the industry average. And Anthem Blue Cross and Blue Shield in New Hampshire garners almost five times the average number of complaints.

But for the most part, BCBS health insurance plans around the country deliver customer happiness and a large provider network.

Cost examples for Silver plan
Member profile Monthly cost for Blue Cross and Blue Shield of Texas Silver plan
Child age 0-14 $338
Child age 18 $403
Adult individual age 21 $441
Adult individual age 27 $463
Adult individual age 30 $501
Adult individual age 40 $564
Adult individual age 50 $788
Adult individual age 60 $1,198
Couple age 21 $883
Couple age 30 $1,002
Couple age 40 $1,128
Couple age 50 $1,577
Couple age 60 $2,396
Couple age 21 + 1 child $1,221
Couple age 30 + 1 child $1,340
Couple age 40 + 1 child $1,466
Couple age 50 + 1 child $1,914
Couple age 21 + 2 children $1,558
Couple age 30 + 2 children $1,677
Couple age 40 + 2 children $1,804
Couple age 50 + 2 children $2,252
Couple age 21 + 3 or more children $1,896
Couple age 30 + 3 or more children $2,015
Couple age 40 + 3 or more children $2,141
Couple age 50 + 3 or more children $2,590
Individual age 21 + 1 child $779
Individual age 30 + 1 child $839
Individual age 40 + 1 child $902
Individual age 50 + 1 child $1,126
Individual age 21 + 2 children $1,117
Individual age 30 + 2 children $1,176
Individual age 40 + 2 children $1,239
Individual age 50 + 2 children $1,464
Individual age 21 + 3 or more children $1,454
Individual age 30 + 3 or more children $1,514
Individual age 40 + 3 or more children $1,577
Individual age 50 + 3 or more children $1,801

UnitedHealthcare

UnitedHealthcare
4.0
Our ratings take into account a product's cost, features, ease of use, customer service and other category-specific attributes. All ratings are determined solely by our editorial team.

Availability

49 states and D.C. (not available in New York), including 18 states in the Affordable Care Act marketplace

Provider network

1.3 million physicians and care professionals and 6,500 hospitals and care facilities across the U.S.

Telehealth offered

Yes

UnitedHealthcare
Learn More

On UnitedHealthcare's Website

Availability

49 states and D.C. (not available in New York), including 18 states in the Affordable Care Act marketplace

Provider network

1.3 million physicians and care professionals and 6,500 hospitals and care facilities across the U.S.

Telehealth offered

Yes

Details

UnitedHealthcare, the biggest health insurer in the country with over 26 million members, offers insurance coverage in nearly every state. That includes plans in 18 states through the Affordable Care Act marketplace: Alabama, Arizona, Colorado, Florida, Georgia, Illinois, Louisiana, Maryland, Massachusetts, Michigan, Nevada, New York, North Carolina, Oklahoma, Tennessee, Texas, Virginia and Washington.

Beyond ACA marketplace plans, UnitedHealthcare also offers coverage through employer-based plans, Medicare, Medicaid, short-term health insurance and supplemental insurance, including critical illness insurance.

Some UnitedHealthcare plans offer additional benefits, including $0 primary care physician visits and copays, unlimited virtual visits, adult vision and dental and prescription drug delivery.

Cost examples for Silver plan
Health insurance plan member UnitedHealthcare average nationwide monthly cost for Silver plan
Child age 0-14 $291
Child age 18 $343
Adult individual age 21 $388
Adult individual age 27 $406
Adult individual age 30 $440
Adult individual age 40 $495
Adult individual age 50 $692
Adult individual age 60 $1,052
Couple age 21 $775
Couple age 30 $880
Couple age 40 $991
Couple age 50 $1,385
Couple age 60 $2,104
Couple+1 child, age 21 $1,067
Couple+1 child, age 30 $1,171
Couple+1 child, age 40 $1,316
Couple+1 child, age 50 $1,676
Couple+2 children, age 21 $1,358
Couple+2 children, age 30 $1,463
Couple+2 children, age 40 $1,573
Couple+2 children, age 50 $1,967
Couple+3 or more Children, age 21 $1,649
Couple+3 or more Children, age 30 $1,754
Couple+3 or more Children, age 40 $1,865
Couple+3 or more Children, age 50 $2,259
Individual+1 child, age 21 $679
Individual+1 child, age 30 $731
Individual+1 child, age 40 $787
Individual+1 child, age 50 $984
Individual+2 children, age 21 $970
Individual+2 children, age 30 $1,023
Individual+2 children, age 40 $1,078
Individual+2 children, age 50 $1,275
Individual+3 or more children, age 21 $1,262
Individual+3 or more children, age 30 $1,314
Individual+3 or more children, age 40 $1,369
Individual+3 or more children, age 50 $1,566

Company Forbes Advisor Rating Availability LEARN MORE
Kaiser Permanente 5.0 5-removebg-preview 8 states and D.C. Learn More On Healthcare Marketplace's Website
Blue Cross Blue Shield 4.5 4.5-removebg-preview-1 50 states and D.C. Learn More On Healthcare Marketplace's Website
UnitedHealthcare 4.0 4-removebg-preview-2 49 states and D.C. (not available in New York) Learn More On UnitedHealthcare's Website
Aetna 3.5 3.5-removebg-preview 50 states and D.C. Learn More On Healthcare Marketplace's Website
Cigna 3.5 3.5-removebg-preview 13 states Learn More On Healthcare Marketplace's Website
Molina Healthcare 2.5 2.5-removebg-preview-e1625128868641 14 states and D.C. Learn More On Healthcare Marketplace's Website
Oscar Health 2.0 2-removebg-preview 20 states
Bright HealthCare 1.0 1__1_-removebg-preview 17 states

Best Health Insurance Companies—Small and Regional Providers

Many health insurance companies operate regionally or in only one state, but they can still provide exceptional service. See ratings below for these smaller health insurance companies.

View Details for Each Provider