Best Health Insurance Companies in United States (US)

In the United States, having comprehensive and trustworthy health insurance is essential for both financial stability and personal well-being. The best health insurance providers in the US provide a wide variety of plans to accommodate different demands for people and families.

These businesses, which range from well-known industry leaders to creative up-and-comers, offer access to high-quality medical care and support the objective of making healthcare more widely available and reasonably priced.

To help you discover the proper coverage for your needs, in this article we’ll examine the top health insurance companies, their services, advantages, and contributions to the US healthcare system.

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1. Health Insurance

Health insurance is an agreement, between people and insurance companies that aims to reduce the burden of expenses. By paying premiums policyholders can access a range of healthcare services and treatments. This type of insurance acts as a protection against the costs associated with medical care, including doctor visits, hospital stays, prescription drugs, surgeries and preventive services.

 The coverage and benefits offered by health insurance can vary depending on the policy chosen by individuals or their employers. Ultimately health insurance provides individuals and families with peace of mind knowing that necessary medical treatments will be, within reach and affordable promoting both their wellbeing and financial stability.

1.1 Need for Health Insurance

Health insurance is crucial for guaranteeing that people and families can get important treatments without having to pay a lot out of pocket. It also protects people financially from high medical bills. It promotes preventative treatment, disperses financial risk, and promotes the stability of healthcare systems.

Regular check-ups, screenings, and preventative measures are encouraged by affordable healthcare, which results in earlier disease detection and less expensive treatment. Additionally, having health insurance shortens hospital stays and problems, improving patient wellbeing and the efficiency of the healthcare system.

1.2 Health Insurance Companies – United States

There are several private healthcare insurance experts in the US. However, as noted by the Insurance Information Institute, life/annuity and property/casualty insurers also issue similar coverage, which is typically referred to as accident and health insurance.

Direct written premiums for accident and health insurance rose from $680 billion in 2011 to $1.25 trillion in 2020, an increase of about 84%. According to the National Association of Insurance Commissioners (NAIC), the top 10 insurers wrote 55.3% of the overall US market.

Due to the large number of providers, choosing the best health insurance company for workplace wellness programs might be difficult. The ideal option will vary based on employee needs, financial constraints, and corporate culture. The top 10 United States (US) health insurers are listed below.

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2. United Health – United States (US)

Established in 1977, UnitedHealth Group is a well-known best healthcare provider in the United States. Included in it is UnitedHealth care, a well-known health insurance company with a variety of plans for people, families, businesses, and government initiatives. Optum, a subsidiary of the company that emphasizes healthcare services, technology, and innovation.

With pharmacies and healthcare providers, UnitedHealth Group can negotiate deals that are both reasonable and efficient. Despite its standing, the business has come under fire for its pricing and network coverage. A considerable segment of the American population receives healthcare services and health insurance thanks in major part to UnitedHealth Group.

Type	Public
Industry	Managed healthcare Insurance
Founded	1977; 46 years ago
Founder	Richard T. Burke
Headquarters	Minnetonka, Minnesota, United States
Services	Optum HealthOptum InsightOptum RxUnitedHealthcare Employer & IndividualUnitedHealthcare Medicare & RetirementUnitedHealthcare Community & StateUnitedHealthcare Global

2.1 Products & Services – United Health (US)

United Health Insurance Provides,

1. Individual and Family Health Insurance Plans – United Health

Plans Offered:

1. Self-employed  Plan
2. Student Plan
3. Dental Plan
4. Vision Plan

2. Medicare – United Health

Individual health insurance under Medicare is offered depending on age, disability, or medical condition.

Plans Offered:

1. Medicare Advantage plans
2. Medicare Prescription Drug
3. Medicare Supplement Plans
4. Medicare Special Needs Plans

2.2 Contact Details – United Health

If you have	Contact Us
United Healthcare health insurance plan through work	1-866-801-4409 / TTY 711
United Healthcare Medicare Advantage or Prescription Drug plan	Call the number on your member ID card.
United Healthcare Medicare supplement plan	1-800-523-5800 / TTY 711

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3. Kaiser Permanente – United States (US)

American integrated healthcare system Kaiser Permanente is recognized for its distinctive method of offering all-inclusive medical treatment. Since its founding in 1945, Kaiser Permanente has grown to become one of the biggest nonprofit healthcare providers in the nation.

Kaiser Permanente is well known for its cutting-edge approach, which mixes health insurance coverage with healthcare services to create a tightly integrated system that attempts to provide its members with high-quality medical care and preventive programs. This introduction goes into the core elements of Kaiser Permanente, illuminating its historical significance and highlighting its unique position within the framework of American healthcare.

Type	Consortium of for-profit and not-for-profit entities.
Industry	Healthcare
Founded	July 21, 1945; 78 years ago
Founders	Henry J. Kaiser Sidney R. Garfield
Headquarters	Ordway Building Oakland, California, U.S.
Area served	California Colorado District of Columbia Georgia Hawaii Maryland Oregon Virginia Washington

3.1 Product & Services – Kaiser Permanente United States (US)

Kaiser Permanente provide following services,

1. Cancer Care
2. Cardiac Care
3. Maternity
4. Mental Health  & Wellness

3.2 Contact Details – Kaiser Permanente United States (US)

You can contact the company through,

Customer Service Number	1-800-297-6877 or 206-630-2244 (TTY 711)
Address	4867 W Sunset Blvd, Los Angeles, CA 90027, United States
Email address	[email protected]
Website URL	https://kaiserpermanente.org/

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4. Elevance Health – United States (US)

Elevance Health, Inc. is an American health insurance provider. Prior to June 2022, Elevance Health was named Anthem, Inc. The company’s services include medical, pharmaceutical, dental, behavioral health, long-term care, and disability plans through affiliated companies such as Anthem Blue Cross and Blue Shield, Empire BlueCross BlueShield in New York State, Anthem Blue Cross in California, WellPoint, and Carelon.

It is the largest for-profit managed health care company in the Blue Cross Blue Shield Association. As of 2022, the company had 46.8 million members within its affiliated companies’ health plans.

Based on its 2021 revenues, the company ranked 20th on the 2022 Fortune 500.

Formerly	Anthem, Inc. (2014–2022)
Type	Public company
Industry	Managed healthcareInsurance
Founded	2004; 19 years ago from Anthem and WellPoint Health Networks merger
Headquarters	Indianapolis, Indiana, U.S.

4.1 Products & Services – Elevance Health United States (US)

Elevance Health focuses on the following areas of health

1. Whole Health
2. Community Health
3. Health Equity
4. Digitally Enabled Health Care
5. Consumer – Centered Health System

4.2 Contact Details – Elevance Health United States (US)

You can contact the company through,

Phone Number	833-401-1577
Address	220 Virginia Avenue Indianapolis, IN 46204
Email	[email protected]
Website URL	http://elevancehealth.com/

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5. Centene Corporation – United States (US)

Located in St. Louis, Missouri, Centene Corporation is a publicly traded managed care organization that serves as a bridge between publicly funded and commercially insured healthcare systems. In 2023, Centene was placed No. 25 on the Fortune 500.

Leading best healthcare organization Centene Corporation provides compassionate, high-quality care. They provide affordable solutions through specialized programs and wide-ranging provider networks, especially for marginalized communities. Centene enables people to take control of their well-being by fusing technology, data analytics, and preventive care.

Type	Public company
Industry	Managed healthcare Insurance
Founded	1984; 39 years ago
Founder	Elizabeth “Betty” Brinn
Headquarters	St. Louis, Missouri, U.S.

5.1 Products & Services – Centene Corporation United States (US)

Centene Corporation United States (US) provides following health services,

1. Medicaid
2. Medicare
3. Health Insurance Marketplace
4. Military & Veterans

5.2   Contact Details – Centene Corporation United States (US)

You can contact the company through,

Phone Number	314-725-4477
Address	7700 Forsyth Blvd. St. Louis, MO 63105
Email	[email protected]
Website URL	https://www.centene.com/

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6. Humana – United States (US)

Humana Inc. Is a top health insurance company headquartered in Louisville, Kentucky that operates as a, for profit organization. In the year 2021 Humana secured the position on the Fortune 500 list making it the highest ranking company in terms of revenue from Kentucky. It holds the distinction of being the health insurance provider in the United States.

On July 3 2015 Aetna, another health insurer announced its intention to acquire Humana through a deal $37 billion in cash and stock. However this acquisition was ultimately abandoned due, to a court ruling that deemed it anti-competitive.

Type	Public
Industry	Managed health care
Founded	August 18, 1961; 62 years ago (as Extendicare Inc.) Louisville, Kentucky, U.S.
Founder	Wendell Cherry
Headquarters	Louisville, Kentucky, U.S.

6.1 Product & Services – Humana United States (US)

Services offered by Humana are

1. Medicare
2. Individual & Family
3. Medicaid
4. Pharmacy

6.2 Contact Details – Humana United States (US)

You can contact the company through,

Phone Number	1-800-281-6918 (TTY: 711)
Address	Humana, Inc. 500 W. Main St. Louisville, KY 40202
Email Address	[email protected]
Website URL	https://www.humana.com/

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7. Health Care Service Corporation (HCSC) – United States (US)

A member-owned health insurance company in the US is called Health Care Service Corporation (HCSC). Prior to changing its name to Health Care Service Corporation in 1975, HCSC was known as Hospital Service Corporation.

 The business was established in 1936 and is headquartered in Chicago, Illinois. It has a network of offices throughout the country. The Blue Cross and Blue Shield Association has licensed Health Care Service Corporation in five states. It focuses on Illinois, Montana, New Mexico, Oklahoma, and Texas for its operations.

More than 23,000 individuals work at HCSC, the fifth-largest health insurer in the US overall. It is the third-largest commercial health insurer in the United States as of 2019 .

 Nearly 16 million members are served. In addition to a variety of different individual plans, HCSC offers group life, disability, and dental insurance. Additionally, the business offers a variety of wellness and care management solutions.

Type	Mutual Legal Reserve Company
Industry	Managed health care
Founded	1936
Headquarters	Blue Cross Blue Shield Tower Chicago, Illinois, US

7.1 Products & Services – Health Care Service Corporation (HCSC)

Products & services offered by the company are

1. Health Plans
2. Group Plans
3. Disability
4. Life insurance

7.2 Contact Details – Health Care Service Corporation (HCSC)

You can contact the company through,

HCSC/Illinois	Address: 300 E. Randolph St. Chicago, IL 60601 Phone Number : 1-800-654-7385
Montana	Address: 3645 Alice St. Helena, MT 59601 Phone Number: 1-406-437-5000
New Mexico	Address: 5701 Balloon Fiesta Pkywy NE Albuquerque, NM 87113 Phone Number: 1-800-835-8699
Oklahoma	Address: 1400 S. Boston Ave. Tulsa, OK 74119 Phone Number: 1-918-551-3500
Texas	Address: 1001 E. Lookout Dr. Richardson, TX 75082 Phone Number :1-972-766-6900

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8. CVS Health Corporation – United States (US)

The Best American healthcare firm CVS Health Corporation (formerly CVS Corporation and CVS Caremark Corporation) is the owner of numerous brands, including Aetna, a health insurance provider, CVS Caremark, a chain of retail pharmacies, and CVS Pharmacy.

A significant US healthcare provider, CVS Health offers pharmacy, retail, insurance, and cutting-edge healthcare services. The combination with Aetna allows for comprehensive, affordable treatment. Accessibility is improved by programs like MinuteClinic, and its commitment to the neighborhood is strengthened by its focus on public health issues. Due to its multifaceted strategy and transformational initiatives, CVS Health has become a key player in the development of US healthcare.

Formerly	CVS CorporationCVS Caremark Corporation
Type	Public
Industry	Managed healthcareHealth insurancePharmacy
Founded	1963; 60 years ago in Lowell, Massachusetts, U.S.
Founders	Stanley Goldstein, Sidney Goldstein, Ralph Hoagland
Headquarters	Woonsocket, Rhode Island U.S.

8.1 Products & Services – CVS Health Corporation United States (US)

1. Commercial Health Coverage
2. Medicare
3. Medicaid
4. Individual and Family Plans
5. Vision and Dental Management
6. Medical Management

8.2 Contact Details – CVS Health Corporation United States (US)

You can contact the company through,

Phone Number	1-800-746-7287
Address Headquarter	CVS Health One CVS Drive Woonsocket, Rhode Island 02895
Email Address	[email protected]
Website URL	http://cvshealth.com/

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9. Cigna Group – United States (US)

The Cigna Group is a worldwide, for-profit American insurance and managed healthcare provider with headquarters in Bloomfield, Connecticut. The majority of its insurance subsidiaries’ goods and services, including those for medical, dental, disability, life, and accident insurance, are provided through employers and other organizations (such as unions, associations, and governmental and non-governmental organizations). Cigna is a Delaware-based corporation.

Cigna principally provides best health, life, and accident insurance coverages to people in the United States and a few select overseas markets. It also sells Medicare and Medicaid products. Along with the aforementioned current businesses, Cigna also has some run-off operations, such as a Run-off Reinsurance section.

Cigna operates the Evernorth Care Group (formerly Cigna Medical Group), a full-service staff-model health maintenance organization with satellite clinics all around the Phoenix metropolitan area. The Cigna Corporation also oversees Cigna Global Health Benefits.

Type	Public
Industry	Managed healthcare Insurance
Founded	1982
Headquarters	Bloomfield, Connecticut, United States

9.1 Product & Services – Cigna Group United States (US)

1. Healthcare services
2. Health insurance
3. Life insurance
4. PBM

9.2 Contact Details – Cigna Group United States (US)

You can contact the company through,

Phone Number	1 (800) 997-1654
Address Headquarter	900 Cottage Grove Road Bloomfield, CT 06002
Email Address	[email protected]
Website URL	http://cigna.com/

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10. Molina Health Care – United States (US)

In the United States, Long Beach, California, is home to the managed care organization Molina Healthcare. Through government programs like Medicare and Medicaid, the firm offers health insurance to individuals.

In 1980, Wilmington, California welcomed the first Molina Medical facility. In the past, the corporation ran clinics in Utah, Florida, New Mexico, and Washington. The clinics were established to offer low-income individuals and families access to healthcare. Molina Healthcare made the announcement that it would close a number of clinics in Michigan, Florida, New Mexico, Wisconsin, and Utah in August 2017.

Type	Public company
Industry	Healthcare
Founded	1980; 43 years ago in Long Beach, California, U.S.
Founder	Dr. C. David Molina
Headquarters	Long Beach, California, U.S.

10.1 Products & Services – Molina Health Care United States (US)

Services provided by the company are

1. Medicaid
2. Molina Medicare
3. Integrated Medicaid/Medicare (Duals)
4. Molina Marketplace

10.2 Contact Details – Molina Health Care United States (US)

You can contact the company through,

Phone Number	855 – 882-3901
Address	Molina Healthcare of Washington, Inc. PO Box 4004 Bothell, WA 98041-4004.
Email Address	[email protected]     [email protected]
Website URL	http://molinahealthcare.com/

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11. Guide Well – United States (US)

Guide Well is a mutual insurance holding company with a primary concentration on Best health insurance in Florida. It was formerly known as GuideWell Mutual Holding Corporation holding company for Florida Blue. It was established in 2013 as a result of a restructuring led by Florida Blue, a Blue Cross Blue Shield Association member firm. With around $15 billion in health insurance sales, it ranks as the tenth largest provider of health insurance in the United States by health insurance premiums written.

Type	Non-Profit, Private company
Industry	Insurance and Healthcare Solutions
Founded	April 27, 1944; 79 years ago in Jacksonville, Florida, U.S.
Headquarters	Jacksonville, Florida,U.S.

11.1 Products & Services – Guide Well United States (US)

Guide Well offers health services which includes,

1. Emergency Care
2. Urgent Care
3. X-ray, CT scan, EKG, and Ultrasound
4. Excellence in On-Site Lab Testing
5. Provider Resources

11.2 Contact Details – Guide Well United States (US)

You can contact the company through,

Phone Number	904- 905-4179
Address	4800 Deerwood Campus Pkwy, Jacksonville, Florida 32246, US
Email Address	[email protected].
Website URL	http://guidewell.com/

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12. FAQ’s – Health Insurance United States (US)

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13. Conclusion – Health Insurance United States (US)

In conclusion, millions of Americans are able to get critical medical services thanks to the wide range of health insurance providers in the US. Despite this, the industry still has problems with rising healthcare prices, inconsistent coverage, and complex administrative procedures.

These businesses have incorporated technology to improve user experiences and operational efficiency in response to shifting dynamics and regulations. Many insurers’ products now include telemedicine, wellness incentives, and personalized health management.

As stakeholders, industry leaders, and politicians work together to overcome obstacles and create a more equitable and effective healthcare system, the future of the sector will be formed. The success of the program will depend on how well it supports the population’s general health and well-being while remaining comprehensive and inexpensive.

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