The Best Affordable Health Insurance Companies

When looking for affordable health insurance, you’ll find many options. These include your employer, the Affordable Care Act’s Health Insurance Marketplace, Medicaid, and Medicare. Several states have a state marketplace. Choosing the right health insurance plan is a key decision that affects your finances and health. Take time to research and compare benefits to find which plan is right for you.

What to consider when choosing health insurance:

Monthly premium
Benefits offered
Customer service and satisfaction
Value for money

Read on to discover the pros and cons of the top 10 best affordable health insurance companies.

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What You Should Know About Affordable Health Insurance Plans

If you’re on a group employer plan, your premium can’t cost more than 9.5% of your household income.

Affordable is defined as no more than 9.5% of your household income: If you’re on a group employer plan, your premium can’t cost more than 9.5% of your household income. That doesn’t include your spouse or dependents.
Anyone can apply on the Health Insurance Marketplace: The Health Insurance Marketplace is your route to affordable insurance, whether you’re shopping for individual coverage, want to apply for Medicaid, or need to compare your options against what your employer offers.
You may qualify for government assistance: Through the Health Insurance Marketplace, you may qualify for a subsidy, which offsets the cost of your monthly premiums. Depending on your income and demographics, you may qualify for Medicaid or the Children’s Health Insurance Program (CHIP). If you’re 65 or older or have a qualifying disability, you may be eligible for Medicaid.

Health insurance company	Financial strength rating	Customer satisfaction rating	Value rating	Coverage rating	Overall rating
Aetna: Best for customer service	5	4.8	4.8	4.8	4.8
Anthem: Best value	5	3	4	4	4
Blue Cross Blue Shield (BCBS): Best for nationwide coverage	5	4.5	4.5	4.5	4.6
Cigna: Best for coverage options	4.5	4.1	4	4	4.2
Highmark: Best for coverage options	4.5	4	4	4	4.1
Humana: Best for over fifties	4	4.5	4.5	4.5	4.4
Kaiser Permanente: Best for high NCQA ratings	5	4.5	4.8	4	4.6
Molina Healthcare: Best for underserved populations	5	3	3	4	3.8
UnitedHealthcare (UHC): Best for plan options	4	4.8	4.8	4.8	4.6
WellCare: Best for Medicare	3.5	4	4.2	4.5	4

How We Rate Health Insurance Companies

Financial strength: The financial strength rating uses the insurance company’s A.M. Best financial strength rating. A.M. Best is a credit rating agency specializing in the insurance industry, which rates an insurer’s ability to meet ongoing obligations.
Customer satisfaction: The customer satisfaction rating considers the Better Business Bureau (BBB), National Committee for Quality Assurance (NCQA), and Consumer Affairs ratings. These ratings use customer complaints and satisfaction ratings.
Value: The value rating calculates an insurer’s overall value based on monthly premium, annual deductible, the price of an office visit, ER visit, and annual maximum out-of-pocket cost.
Coverage: The coverage rating considers the insurer’s availability of coverages, plan types, and network size.

How to Compare Health Insurance Companies

Make sure network providers are convenient and cover special needs you or your family have.

When comparing information on the best affordable health insurance companies, it’s essential to look beyond premiums and learn about benefits, deductibles, and additional coverage. A place to start is preparing a list of questions to be answered, including household size and specific health issues:

Find affordable health plans in your area: Start by enrolling on Healthcare.gov. Once you’ve answered income and household size questions, you get an overview of health plans available in your ZIP code. Alternatively, browse plans in your area from the See Plans and Prices tool.
Research the network: Most health insurers have a network of preferred providers that you must use or your copay increase. Check that those providers are convenient and verify if the network providers include any special needs that you or your family have.
Research prescription drug coverage: Check whether prescription drug coverage is included and if the amount is sufficient for your family’s needs. You may need to apply for a prescription drug plan.
Compare monthly premiums: Compare monthly premium amounts for each policy, taking into account the plan level.
Compare deductibles: A deductible is an amount you must pay before the health policy pays out any benefits. Low deductibles mean you have lower annual out-of-pocket health costs.
Compare copays: Depending on the plan level, your copay, the amount you must pay for each service changes. For example, for Bronze plans, copays are 40%, whereas Gold plans are 20%.
Research dental coverage: Many policies, including Original Medicare, don’t include full dental benefits as standard, so check what services are included and whether you need a separate dental plan.
Check insurer ratings: Always check insurer ratings. The ratings above are a good guide, and you can find localized policy-specific ratings on the NCQA insurer ratings.

What Is the Best Affordable Health Insurance?

Choosing the best affordable health insurance starts with determining your eligibility. Eligibility for health insurance is based upon several factors, including household income and household size. In addition, you must live in the United States and be a U.S. citizen, national, or lawfully residing in the country. You can’t be denied insurance for preexisting conditions.

Employer health insurance: You can get coverage through your employer if the company offers health insurance. According to the Kaiser Family Foundation (KFF), 47% of employers provide health coverage. Large companies with more than 50 full-time employees must offer health insurance or pay tax penalties. Smaller companies can provide health care insurance through the Small Business Health Options Program (SHOP). Employer health insurance is generally cheaper than purchasing insurance on your own. If you have employer health insurance, you can use a flexible spending account (FSA) to save pretax dollars to cover deductibles and copayments. However, you can’t keep your insurance when you leave except throughCOBRA, and you have limited choice regarding benefits.
Individual and family insurance: You can purchase coverage through the Health Insurance Marketplace or from private health insurers in your state. You must apply during the annual Open Enrollment Period (OEP) that runs from November 1 through to December 15. You may qualify for a Special Enrollment Period (SEP) under qualifying circumstances, such as if you’ve lost your job, moved, changed employment, or got married. If you buy health coverage through the marketplace, you may qualify for an Advance Premium Tax Credit that effectively lowers insurance premiums.
Medicare: Medicare is government health insurance for people age 65 or older and those with certain disabilities. Original Medicare covers hospitalization and preventive care. A Medicare Advantage Plan is an all-in-one alternative to Original Medicare. Medicare has options for prescription drugs and additional coverage, such as dentistry. If you don’t apply when eligible, you may face penalties andexperience delays before coverage takes effect. In addition, deductibles may be high if you don’t have Medigap cover or a Medicare Advantage Plan.
Medicaid: Medicaid is government health insurance which provides essential health benefits for low-income adults, pregnant women, children, and older adults with disabilities. Medicaid eligibility depends on several factors, including income, household size, and family status. Each state manages their own Medicaid program, and eligibility and benefits differ according to whether the state has extended Medicaid. However, cover and care are comparable with private health insurance, and Medicaid supports premiums for low-income qualifiers on Medicare.
CHIP: If you earn too much to qualify for Medicaid, but can’t afford private health insurance, you can enlist your children in the CHIP. Each state administers its own CHIP program. Mandatory cover includes well-baby and well-child visits, dental benefits, vaccines, and behavioral health.

Aetna Health Insurance: Best for Customer Service

Company Overview

Company founded	1853
Coverage area	All 50 states
A.M. Best rating	A+
BBB rating	A+
NCQA accreditation	Yes
NCQA rating	2.5 to 4.5
Plans available	Dental Family plans Individual plans Medicare Medicaid Pharmacy Vision
Provider network	About 1.2 million health care professionals More than 700,000 primary care doctors and specialists More than 5,700 hospitals nationwide

Aetna is one of the oldest and largest health insurance companies on the market. Founded in 1853, it started offering medical insurance in 1951. Aetna offers insurance policies in 50 states. These include individual, group, Medicare, and Medicare Advantage plans. Aetna is one of the most successful and affordable health insurance companies in the country, offering good customer service.

Is Aetna a Good Health Insurance Provider?

What we like about Aetna health insurance plans:	The drawbacks of Aetna health insurance plans:
Available in 50 states Wide range of plans including health maintenance organization (HMO), preferred provider organization (PPO), point-of-service (POS), and exclusive provider organization (EPO) Good customer and treatment ratings	Prevention ratings could be better Out-of-network costs higher

What Do Aetna Health Insurance Plans Cover?

Aetna Health offers several health insurance options:

Dental
Family health plans
Individual health plans
Medicare
Medicaid
Pharmacy
Vision

How Is Aetna Rated?

Trusted ratings and reviews can help you understand how an insurer’s plans stack up against the competition. See how we rated Aetna.

Overall rating: 4.8

Financial strength rating:
5

Customer satisfaction rating:
4.8

Value rating:
4.8

Coverage rating:
4.8

Anthem Health Insurance: Best Value

Company Overview

Company founded	2004
Coverage area	25 states
A.M. Best rating	A+
BBB rating	F
NCQA accreditation	Yes
NCQA rating	2.5 to 4.5
Plans available	CHIP Dental Group insurance plans Individual health insurance Medicaid Medicare Advantage Plans Vision
Provider network	Large

Anthem health insurance company is ranked number three in market share with policies in 25 states. Apart from standard health insurance plans, Anthem offers a selection of special insurance policies for hospital indemnity, critical illness, and limited-term enhanced choice. The company has an extensive network of primary care providers. You can expect good customer service, but note that some policies, including Medicaid and Medicare, aren’t available in all states.

Is Anthem a Good Health Insurance Provider?

What we like about Anthem health insurance plans:	The drawbacks of Anthem health insurance plans:
Available in 25 states Wide range of plans including HMO, PPO, POS, and EPO Ranked number three in market share	The overall rating for Medicaid policies is average Medicaid only available in four states

What Do Anthem Health Insurance Plans Cover?

Anthem Health offers several health insurance options:

CHIP
Dental
Group insurance plans
Individual health insurance
Medicaid
Medicare Advantage Plans
Vision

How Is Anthem Rated?

Trusted ratings and reviews can help you understand how an insurer’s plans stack up against the competition. See how we rated Anthem.

Overall rating: 4

Financial strength rating:
5

Customer satisfaction rating:
3

Value rating:
4

Coverage rating:
4

Blue Cross Blue Shield Health Insurance: Best for Nationwide Coverage

Company Overview

Company founded	1929
Coverage area	All 50 states
A.M. Best rating	A+
BBB rating	A+
NCQA accreditation	Yes
NCQA rating	3 to 4
Plans available	Corporate plans Dental insurance Group insurance plans Health savings accounts (HSAs) High-deductible health insurance Individual health insurance Medicaid Medicare Small business health insurance
Provider network	More than 1.7 million doctors and hospitals

Blue Cross Blue Shield is one of the largest health insurance companies covering all 50 states. A unique aspect is that Blue Cross Blue Shield consists of an association of 35 independent companies. While this means service standards may differ from one region to another, overall, BSBC’s pricing plans, services, and discounts are among the best.

Is Blue Cross Blue Shield a Good Health Insurance Provider?

What we like about Blue Cross Blue Shield health insurance plans:	The drawbacks of Blue Cross Blue Shield health insurance plans:
Available in all 50 states Covers more than 110 million Americans Excellent provider network	Operates as many independent companies Inconsistent customer experience

What Do Blue Cross Blue Shield Health Insurance Plans Cover?

Blue Cross Blue Shield offers several health insurance options:

Corporate health insurance
Dental insurance
Group insurance plans
HSAs
High-deductible health insurance
Individual health insurance
Medicaid
Medicare
Small business health insurance

How Is Blue Cross Blue Shield Rated?

Overall rating: 4.6

Financial strength rating:
5

Customer satisfaction rating:
4.5

Value rating:
4.5

Coverage rating:
4.5

Cigna Health Insurance: Best for Coverage Options

Company Overview

Company founded	1981
Coverage area	Arizona Colorado Florida Illinois Kansas Missouri North Carolina Tennessee Utah Virginia
A.M. Best rating	A
BBB rating	A-
NCQA accreditation	Yes
NCQA rating	2.5 to 4
Plans available	Dental and vision plans Group health insurance (PPO, HMO, Open Access, customized local plans, and high-deductible health plans) Health and wellness programs Individual and family plans Medicare Advantage Plans and Medicare Supplement Insurance plans Pharmacy programs Savings and spending accounts like HSA and flexible spending account (FSA) Supplemental plans
Provider network	Global network of more than 1.5 million health care providers, clinics, and facilities More than 67,000 contracted pharmacies

Cigna is a large health insurance company operating in the U.S. and Europe. The company began in 1981 through the merger between INA Corporation and Connecticut General Corporation. It offers a range of affordable health insurance policies in a limited number of states, and its Medicare prescription drug and Medigap insurance network covers most of the country. Cigna policies offer excellent coverage in a strong health care provider network, including pharmacies and behavioral health providers.

Is Cigna a Good Health Insurance Provider?

What we like about Cigna health insurance plans:	The drawbacks of Cigna health insurance plans:
Out-of-network approvals not required in most plans Contracted with a large number of health care providers and pharmacies Robust and easy-to-use customer portal	Full coverage only available in certain states Complaints ratio slightly higher than other insurers

What Do Cigna Health Insurance Plans Cover?

Cigna offers a wide range of individual and group health insurance plans:

Dental and vision plans
Group health insurance (PPO, HMO, Open Access, customized local plans, and high-deductible health plans)
Health and wellness programs
Individual and family insurance
Medicare Advantage Plans and Medicare Supplement Insurance plans
Pharmacy programs
Savings and spending accounts (HSA, FSA)
Supplemental plans

How Is Cigna Rated?

Overall rating: 4.1

Financial strength rating:
4.5

Customer satisfaction rating:
4.1

Value rating:
4

Coverage rating:
4

Highmark Health Insurance: Best for Plan Selection

Company Overview

Company founded	1996
Coverage area	Delaware New York Pennsylvania West Virginia
A.M. Best rating	A
BBB rating	A-
NCQA accreditation	Yes
NCQA rating	3.5 to 4
Plans available	CHIP Dental Individual and family plans Medicare Advantage Plans and Medicare Supplement Insurance Travel Vision
Provider network	Large

Highmark Health is a large independent health insurance company and licensee of the Blue Cross Blue Shield Association. The company sells policies in Pennsylvania, Delaware, and West Virginia, with limited availability in New York. The company maintains the high standards set by their parent company. As a result, the company has a good reputation and a high renewal rate.

Is Highmark a Good Health Insurance Provider?

What we like about Highmark Health insurance plans:	The drawbacks of Highmark Health insurance plans:
High customer satisfaction Good provider network Blue Shield participator	Plans offered to customers vary by state and county Available in only four states Website not user-friendly

What Do Highmark Health Insurance Plans Cover?

Health insurance plans offered by Highmark include:

CHIP
Dental
Individual and family plans
Medicare Advantage Plans and Medicare Supplement Insurance
Travel
Vision

How Is Highmark Rated?

Trusted ratings and reviews can help you understand how an insurer’s plans stack up against the competition. See how we rated Highmark.

Overall rating: 4.1

Financial strength rating:
4.5

Customer satisfaction rating:
4

Value rating:
4

Coverage rating:
4

Humana Health Insurance: Best for Over 50s

Company Overview

Company founded	1961
Coverage area	All 50 states
A.M. Best rating	A-
BBB rating	A+
NCQA accreditation	Yes
NCQA rating	2.5 to 4
Plans available	Dental Employer health insurance Medicaid Medicare Advantage Plans and Medicare Supplement Insurance Vision Pharmacy
Provider network	Large

Established in 1961, Humana health insurance company offers an array of HMO, PPO, and Private Fee-for-Service (PFFS) plans in all 50 states, Washington, D.C., and Puerto Rico. It’s one of the most popular employer medical plans, but it no longer offers individual or family medical insurance plans. Humana has a reputation for high-quality plans. Customer satisfaction levels are high.

Is Humana a Good Health Insurance Provider?

What we like about Humana Health insurance plans:	The drawbacks of Humana Health insurance plans:
Large provider network Available in all 50 states Good coverage for adults age 50 and older	Negative customer feedback on some plans Doesn’t offer individual health insurance Custom plans relatively expensive

What Do Humana Health Insurance Plans Cover?

Humana insurance options include:

Dental
Employer group health insurance
Medicaid
Medicare Advantage Plans and Medicare Supplement Insurance
Vision
Pharmacy

How Is Humana Rated?

Trusted ratings and reviews can help you understand how an insurer’s plans stack up against the competition. See how we rated Humana.

Overall rating: 4.4

Financial strength rating:
4

Customer satisfaction rating:
4.5

Value rating:
4.5

Coverage rating:
4.5

Kaiser Permanente Health Insurance: Best for High NCQA Rating

Company Overview

Company founded	1945
Coverage area	California Colorado Georgia Hawaii Maryland Oregon Virginia Washington Washington, D.C.
A.M. Best rating	A+
BBB rating	A
NCQA accreditation	Yes
NCQA rating	4 to 5
Plans available	Employer plans Family plans Individual plans Medicaid/Medi-Cal Medicare
Provider network	More than 22,000 Permanente Medical Group physicians and clinicians

Kaiser Permanente is one of the largest nonprofit health insurance companies. It was founded in 1945 in the shipyards during World War II. The secret of success was its prepaid approach that funded medical care facilities and staff. This approach still holds today with its extensive physician and hospital network. As a result, service quality is high, while the prices are low.

Is Kaiser Permanente a Good Health Insurance Provider?

What we like about Kaiser Permanente health insurance plans:	The drawbacks of Kaiser Permanente health insurance plans:
Simple enrollment process Highly rated by members Most Medicare Advantage plans have no deductibles	Policies sold in only eight states and Washington, D.C. Members restricted to Kaiser-approved providers and centers Limited policy options

What Do Kaiser Permanente Health Insurance Plans Cover?

Kaiser Permanente offers several health insurance options:

Employer plans
Family health plans
Individual health plans
Medicaid/Medi-Cal
Medicare

How Is Kaiser Permanente Rated?

Trusted ratings and reviews can help you understand how an insurer’s plans stack up against the competition. See how we rated Kaiser Permanente.

Overall rating: 4.6

Financial strength rating:
5

Customer satisfaction rating:
4.5

Value rating:
4.8

Coverage rating:
4

Molina Healthcare Health Insurance: Best for Underserved Populations

Company Overview

Company founded	1980
Coverage area	California Florida Illinois Michigan Mississippi New Mexico New York Ohio South Carolina Texas Utah Washington Wisconsin
A.M. Best rating	A+
BBB rating	F
NCQA accreditation	Yes
NCQA rating	N/A
Plans available	Family plans Individual plans Medicaid and CHIP Medicare
Provider network	Large

Molina Healthcare began in 1980. The company specializes in the government-subsidized market, providing a range of Medicare and Medicaid policies for low-income households. Molina has an extensive network of preferred providers and clinics. Its website is easy to use, and you can compare plans in your ZIP code.

Is Molina Healthcare a Good Health Insurance Provider?

What we like about Molina Healthcare health insurance plans:	The drawbacks of Molina Healthcare health insurance plans:
Large preferred provider network Affordable coverage Low out-of-pocket costs	Coverage restricted to 13 states Limited private health care plans A relatively high number of unresolved complaints

What Do Molina Healthcare Health Insurance Plans Cover?

Molina Healthcare offers several health insurance options:

Family health plans
Individual health plans
Medicaid and CHIP
Medicare

How Is Molina Healthcare Rated?

Trusted ratings and reviews can help you understand how an insurer’s plans stack up against the competition. See how we rated Molina Healthcare.

Overall rating: 3.8

Financial strength rating:
5

Customer satisfaction rating:
3

Value rating:
3

Coverage rating:
4

UnitedHealthcare Health Insurance: Best for Plan Options

Company Overview

Company founded	1977
Coverage area	All except New York
A.M. Best rating	A-
BBB rating	A+
NCQA accreditation	Yes
NCQA rating	2.5 to 4.5
Plans available	Dental Employer plans Family plans Individual plans Marketplace plans Medicaid Medicare Self-employed plans Short-term/TriTerm insurance Student plans Supplemental Vision
Provider network	1.3 million physicians and care professionals 6,500 hospitals and care facilities nationwide

UnitedHealthcare, founded in 1977, is the largest U.S. health insurance company, with an estimated 14% market share. It offers a broad range of affordable health insurance policies and has an extensive network of physicians, hospitals, and medical care providers. While premiums may be a bit high, UnitedHealthcare offers extras such as virtual consultations, travel insurance, and online tools for individuals and group policies.

Is UnitedHealthcare a Good Health Insurance Provider?

What we like about UnitedHealthcare health insurance plans:	The drawbacks of UnitedHealthcare health insurance plans:
Large provider network Excellent website and apps Wide variety of plans	Policies slightly more expensive than other insurers Deductibles can be high

What Do UnitedHealthcare Health Insurance Plans Cover?

UnitedHealthcare offers numerous health insurance options:

Dental
Employer plans
Family health plans
Individual health plans
Marketplace plans
Medicaid
Medicare
Self-employed plans
Short-term/TriTerm insurance
Student plans
Supplemental
Vision

How Is UnitedHealthcare Rated?

Trusted ratings and reviews can help you understand how an insurer’s plans stack up against the competition. See how we rated UnitedHealthcare.

Overall rating: 4.6

Financial strength rating:
4

Customer satisfaction rating:
4.8

Value rating:
4.8

Coverage rating:
4.8

WellCare Health Insurance: Best for Medicare

Company Overview

Company founded	1985
Coverage area	All 50 states
A.M. Best rating	B
BBB rating	A+
NCQA accreditation	Yes
NCQA rating	3
Plans available	Family plans Individual plans Medicaid Medicare
Provider network	Large

WellCare was founded in 1985 to provide Medicaid coverage in Florida. Over time, the business has expanded to cover a full range of Medicare plans. The company offers insurance across the country through several subsidiaries. In 2020, Centene bought out WellCare to create one of the largest providers of government-sponsored insurance.

Is WellCare a Good Health Insurance Provider?

What we like about WellCare health insurance plans:	The drawbacks of WellCare health insurance plans:
Flexible out-of-network coverage Expert advice Low-cost plans	Few additional benefits

What Do WellCare Health Insurance Plans Cover?

WellCare offers several health insurance options:

Family health plans
Individual health plans
Medicaid
Medicare

How Is WellCare Rated?

Trusted ratings and reviews can help you understand how an insurer’s plans stack up against the competition. See how we rated WellCare.

Overall rating: 4

Financial strength rating:
3.5

Customer satisfaction rating:
4

Value rating:
4.2

Coverage rating:
4.5

Tammy Burns

Insurance and health care consultant

Tammy Burns is an experienced health insurance advisor. She earned her nursing degree in 1990 from Jacksonville State University, obtained her insurance billing and coding certification in 1995, and holds a health and life insurance license in Alabama, Georgia, Iowa, Mississippi, and Tennessee. Burns is Affordable Care Act (ACA)-certified for health insurance and other ancillary, life, and annuity products. She maintains an active nursing license and practices private-duty nursing.

Burns’ background as a nurse, insurance biller and coder, and insurance consultant includes infectious disease, oncology, gynecology, phlebotomy, post operative, family medicine, geriatrics, home health, hospice, human resources, management, billing, coding, claims, fixed annuities, group and individual health and life products, and Medicare. She’s always been driven by a desire to help people, spending more than 25 years as a practicing nurse in hospitals, private doctors’ offices, home health, and hospice. As a nurse, Burns supported patients filing insurance claims with Medicare, Medicaid, and private insurance companies as well as responding to billing questions from confused patients.

Seeing firsthand how unsuspecting patients are frequently confused by an overly complex system they don’t understand led Burns to become an insurance agent and health care consultant, now helping people understand the medical system. Since becoming an insurance agent in 2013, she has worked with some of the largest and most reputable insurance carriers and agencies in the nation, and she has built a large and loyal clientele by way of her commitment to transparency and personalized service.

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