When choosing a private health insurance company, a person needs to look at their individual health care needs, their budget, and where they live. It’s possible to gauge the quality of a health insurance company based on its ratings in financial strength, customer service ratings, claims service, plan prices, policy offerings, coverage benefits, and provider choices. We’ve created a list of the top three health insurance companies in the U.S. this year.
This company offers private health insurance to people who live in California, Colorado, Georgia, Hawaii, Maryland, Oregon, Virginia, Washington, and Washington D.C. With its vast network of 23,000 participating physicians, and its range of plan options (including the bronze, silver, gold, and platinum plans), Kaiser’s plans are accessible to various budgets. Applicants who choose a bronze or silver plan can add a Health Savings Account (HSA), where contributions are tax-free and can help cover prescriptions, primary and specialty care visits, and doctor and hospital visits. The HSA balance can be transferred if a person decides to change jobs, and any saved amount over $2000 can be invested in one of the mutual fund selections on offer.
BCBS health care organizations boast nationwide coverage and have comprehensive HMO plans at greater savings. However, doctor choices are limited to those inside the HMO. If applicants choose an EPO plan, they have access to select provider networks and are protected by solid policies that help manage and promote member health care. The PPO plans on offer have more flexibility and a more extensive network of participating doctors. BCBS plans also give access to HSAs.
UnitedHealthcare has excellent online health care services, making it an ideal choice for people who want to manage their health care digitally. The company allows insurance holders to order prescriptions online, speak with healthcare experts over a hotline, find doctors, schedule doctors’ appointments online at any time of the day or night, and access detailed wellness information online. The company also offers individual insurance plans that meet the ACA (Affordable Care Act) standards for essential care. These and other benefits can be accessed over the company’s mobile app.
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