Best Health Insurance Companies in 2021

Some things are more valuable than money, and your health is one of them. Find the best health insurance companies for your and your family's personal needs.

PolicyPals team

Published December 22, 2020.

Health insurance is a necessity for everyone. No matter where or how you get your health insurance, it is important to pick the right provider for you. Whether you are looking for better preventive care or a larger network, we have you covered: we have short-listed below some of the best health insurance companies in 2021.

Largest Provider Network: Blue Cross Blue Shield

Blue Cross Blue Shield has a very large provider network, which makes it easy to stay inside your HMO, if you are on such a plan. No matter where you live, there is a provider near you due to the sheer volume of facilities and in-network providers.

Blue Cross Blue Shield also offers a huge variety of plans that appeal to all types of customers. No matter how much coverage you want, Blue Cross Blue Shield probably has an option that will work for you. Whichever plan you are on, you can rest easy that you will get the care that you need.

Best for Preventive Care: Molina Healthcare

If you are purchasing private health insurance, Molina Healthcare may be the right choice for you, provided they are available in your state. There are tons of benefits for those who are more likely to need preventative rather than emergency care, including, but not limited to, immunizations, preventative services and screenings, and pregnancy care.

Many of their plans come with low co-pays so depending on your coverage area and situation, Molina may be the right health insurance company for you.

Best for Customer Service: Kaiser Permanente

Coming in twice on our list, Kaiser Permanente ranks high for customer satisfaction across the board. Kaiser Permanente is not just a health insurance company, but it is actually a managed care organization: consumers who purchase a health insurance plan with Kaiser Permanente also receive medical care from one of the Kaiser Foundation Hospitals and medical centers. 

Kaiser Permanente consistently rates very high for customer satisfaction and was awarded by J.D. Power and Associates the highest customer satisfaction ranking for health insurance for 6 consecutive years, and in multiple states. The high rate of policy renewal is a testament to the satisfaction of its members.

Kaiser Permanente offers a hug variety of plans for virtually every customer so no matter what your needs are, you can rest assured they have something for you. You receive member benefits and customized care with Kaiser Permanente as well fantastic HSA options.

Best for Health Savings Account (HSA) Options: Kaiser Permanente

If you live in a coverage area and choose to go with this trusted name in healthcare, Kaiser Permanente gives you several plan options to choose from. All plans except the top two tiers offer health saving account (HSA) options.

All contributions to an HSA help pay for qualifying expenses, including, but not limited to, prescriptions, extra care visits, x-rays, labs, ambulances, therapies, vision, and dental. A big benefit is the ability to transfer should you change jobs. Any amount you save over two thousand dollars goes into a selected mutual fund offered by Kaiser. This is a great plan for those concerned with high deductibles.

Best for Online Experience: UnitedHealthcare

UnitedHealthcare not only meets requirements from the Affordable Care Act (ACA), but it also gives member access to some incredible online services. Members can order prescriptions online, utilize online wellness programs, and speak to nurses via hotline.

Online access is available at any time so you can speak to doctors, make appointments, file claims, and manage your health whenever you need without leaving your house. For a truly great online experience, UnitedHealthcare is the way to go.

Best for Employer-Based Plans: Aetna

Aetna has a fantastic financial rating which is indicative of greater company health. Despite a shift in leadership, Aetna still provides employer plans in all fifty states. No matter where you live, you will mostly likely be able to see an in-network provider which means greater savings for you.

Even if you use their private health insurance plan, you will get great member benefits like gym memberships, weight-loss programs, and health coaching. These are valuable additions to any plan and should not be overlooked.

Best for Telehealth Care: Cigna

Cigna is another company that has limited availability. Depending on which state you live in you may be eligible for this plan which includes member benefits like home delivery pharmacy, health information helpline, rewards programs, flu shot information, and the Cigna telehealth connection program. This program allows you to access certified remote health professionals when necessary.

Depending on your level of need or desire for telehealth services, this is a great provider that allows give HSA options for high-deductible plans.

Top Health Insurance Companies by Region

A recent study by J.D.Power shows the level of customer satisfaction with health insurance plans in 21 geographic regions. The study looked at key factors such as customer service, coverage and benefits, choice of providers, communication, costs, billing and payment. The highest-ranking health plans by region are listed below:

Score Health Insurance Company Region
Kaiser Foundation Health Plan
Kaiser Foundation Health Plan
South Atlantic
Kaiser Foundation Health Plan
Independent Health Association
New York
Blue Cross and Blue Shield of Alabama
East South Central
Kaiser Foundation Health Plan
Geisinger Health Plan
Blue Cross and Blue Shield of Michigan
Blue Cross and Blue Shield of Illinois
Horizon Blue Cross and Blue Shield of New Jersey
New Jersey
Anthem Blue Cross and Blue Shield of Connecticut
Regence BlueCross BlueShield of Utah
and SelectHealth
Blue Cross and Blue Shield of Massachusetts
Blue Cross and Blue Shield of Kansas City
Kaiser Foundation Health Plan

Health insurance is a crucial decision for everyone. Remember to take time to review your needs and wants before selecting a plan. If you are unsure of what you need or what would be valuable to you, do some research or reach out a trusted agent.