Top 5 health insurance companies to select in the United States

Choosing the best health insurance company for the insurance of your family and loved ones is very important nowadays. In this review article, we will introduce you to the Top 5 best health insurance companies to choose from in the United States in 2025.

1. Kaiser Permanente

Kaiser Permanente is the best insurance company in United State nowadays. This company HSA received an award from J.D. Power and Associates for its brilliant compliance and customer service support. A very well-known insurance company ranking website, Insure.com HSA given a rating of 84.16 out of 100 to Kaiser Permanente. This rating shows the quality of this best insurance company. 92% percent of customers have chosen to renew their plans which is a very impressive thing for Kaiser Permanente.

Pros

• Kaiser Permanente provides the option of a Health Savings Account (HSA) which includes the facility of debit card
• Four different insurance plans
• High ratings of customer complain satisfaction
• Kaiser Permanente provides a Network of 22,000 Physicians for its customers

Cons

• The coverage of Kaiser Permanente services is in selected states of the US and not for the entire region

2. Blue Cross Blue Shield

Blue Cross Blue Shield (BCBS) is the health insurance companies association that is working and operating in the USA and many other countries all over the world. There are 36 BCBS insurance companies in the USA alone. Most of these companies have an excellent “A” rating from A.M. Best. BCBS provides different insurance plans by the corporation of Maintenance Organization (HMO), Exclusive Providers Organizations (EPO), and Preferred Provider Organizations (PPO).

Pros

• Blue Cross Blue Shield provides the options of Flexible spending account (FSA) and Health Savings Account (HSA) for their customers. Customers can use both these accounts for medical expenses and deductibles.
• BCBS health care agents are very easy to find throughout in the USA and can be easily contacted
• Magnificent and flexible insurance plans according to the needs of customers
• Best financial strength rating according to A.M. Best

Cons

• Due to a vast network of BCBS health insurance companies, the customer complain solving rating is low

3. United Health Care

United Health Care (UHC) is our third pick in the list of Top 5 insurance companies to select in the United States. It is another insurance company which HSA “A” rating from financial A.M. Best. UHC is well-known for providing online services to its customers. It HSA a perfect online website and a stunning mobile app for the sake of convenience for its insurers. You can easily do health-related tasks such as setting an appointment, finding a doctor and consult them or any other report claims.

Pros

• UHC provides both kinds of account facilities such as FSA and HSA
• A complete online service on website and a highly supported mobile application
• The insurance policy of UHC is totally according to the requirements of the Affordable Care Act
• Best “A” financial strength ratings from A.M. Best.

Cons

• As the major system of UHC is online, sometimes it can lose support due to some connectivity issues

4. Aetna

Company is one of the best insurance company which provides its services throughout the United States without any interruption. Aetna operates in almost all states of the USA. Aetna HSA an excellent financial strength by A.M. Best. It HSA secured the 5-star ratings for its overall customer satisfaction and services by J.D. Power & Associates. According to the surveys which have done throughout the United States, more than 80% of people have recommended Aetna insurance policies to their friends and love ones. Aetna provides very flexible and exciting plans to its customers with HSA (Health Savings Accounts) for high detectable plans.

Pros

• Available almost throughout the United States
• Availability of different insurance Wellness programs
• Option of HSA (Health Savings Accounts) for highly deductible plans
• Very well reputation and 5-star ratings by J.D. Power for Customer Satisfaction.

Cons

• Sometimes the insurance policy by Aetna could be got overburden due to a large range of plans and programs and cause unease for the customer

5. Cigna

Company is a very famous brand of insurance industry throughout the world and particularly in the USA. Cigna HSA has been providing insurance facilities and services for many years. Cigna offers its services of health insurance in 10 states at the moment. These states are Arizona, Colorado, Florida, Illinois, Kansas, Missouri, North Carolina, Tennessee, Utah, and Virginia. Cigna is also an A.M. Best certified insurance company of “A” rating. It HSA a highly developed online platform for the ease of consumers.

Pros

• Cigna provides very flexible plans with HSA options
• Consultation with health officials without any appointment
• A complete package of Telehealth services
• Best customer satisfaction ratings.