Having access to proper healthcare insurance is vital to your health and well-being. But, finding healthcare insurance that suits your needs and wallet can be quite the challenge. Luckily, we’ve done the legwork for you.
We’ve taken the time to assess healthcare insurance providers to find the best of the best. During our assessment, we looked at the affordability, the benefits provided, and customer ratings and reviews.
Using that information, we’ve come up with a list of the top 5 health insurance options available for professionals. Check out our top picks below.
United Healthcare
UnitedHealthcare is also one of the largest health insurance firms in the country. Therefore, it is able to offer its clients access to an extensive provider network, allowing them to reach the care they need. It also offers child and adult dental care.
Despite being an established healthcare insurance provider, UnitedHealthcare doesn’t offer as many medical management programs as the other insurers on this list. They also have higher than average monthly premiums for their available health plans. So, they might not be the best option if you’re searching for family health insurance.
If you’re searching for an insurance that offers the best medicare advantage plans UnitedHealthcare might be for you. UnitedHealthcare offers nearly countrywide Medicare coverage. It also has one of the highest-ranked medicare advantage plans with a 3.9 NCQA rating.
However, if you’re a young professional searching for excellent healthcare, United Healthcare might just be for you.
Kaiser Permanente
Kaiser Permanente is at the top of our list because it is home to one of the largest databases of health information in the country. Kaiser Permanente has high customer satisfaction and third-party ratings with a 4.3 star NCQA rating. It also sports a 5-star rating from Healthcare.gov.
Kaiser Permanente offers free 24/7 virtual healthcare as a bonus to its various plans. Kaiser offers its clients a My Doctor Online app that allows them to message their doctors and nurses, schedule appointment reminders, and access virtual services.
What really puts Kaiser on our radar is its affordability. Kaiser Permanente is one of the largest managed care organizations in the country. This means it can offer a number of affordable small business health insurance options or plans. This makes it a fantastic option for small businesses who are looking to improve their employee offerings by introducing affordable health care.
Aetna CVS Health
Second on our list is Aetna CVS Health. Aetna offers no or low-cost coverage for MinuteClinic visits seven days a week, which makes it fantastic if you’re searching for a same-day health insurance provider.
With Aetna, you’re able to schedule doctor’s appointments online whenever you’re feeling ill. Depending on how serious your illness is, you’ll also be able to get a prescription and pick it up on-site at a pharmacy or your doctor’s office.
Similarly to Kaiser, Aetna sports a fantastic 3.4-star NCQA rating. This makes Aetna a fantastic option if you live a busy lifestyle and are pressed for time. Your busy schedule will no longer come between you and your excellent health.
While Aetna’s premiums are on the higher end, they offer a variety of medical management programs for various health conditions. So, it’s likely you’ll find a plan that works for your wallet.
Blue Cross Blue Shield
Unlike the other insurers on this list, Blue Cross Blue Shield (BCBS) consists of 34 independent healthcare insurance companies. The insurers that belong to BCBS actually make up a large portion of the health plans on the Affordable Care Act marketplace at Healthcare.gov.
This makes BCBS one of the most affordable healthcare insurance companies on our list. BCBS offers preferred provider organization (PPO) plans, which aren’t as common as health maintenance organizations (HMO) or exclusive provider organizations (EPO).
PPO plans contract medical providers and creates a network that their clients can choose from. While clients aren’t limited to this network, the cost of care is more affordable if you do choose a provider within the network. While these offer a more affordable option, it could be a bit constricting, especially if you have specific healthcare needs.
Cigna
Cigna is another amazing and affordable healthcare insurer. Their network includes an impressive list of pharmacy programs, which makes it a fantastic option for individuals with regular prescription needs.
With Cigna, you’ll also be able to receive home delivery with Express Scripts Pharmacy and connect with a licensed pharmacist whenever you need to.
Similarly to Kaiser, Cigna also offers an online mobile app that helps you manage your health goals, doctors’ appointments, and healthcare claims. The ease of access and use makes it a great option for both individual and family insurance plans.
The only downside is that Cigna is not available countrywide. Currently, Cigna is only available in 13 states. Therefore, we suggest checking Cigna’s availability before making your decision.
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