Best Health Insurance Companies for 2020

You usually only get one chance each year to choose health insurance. That’s a good time to figure out your options and what you need from a health plan. Our expert team is in the same position. That’s one reason why we’re so diligent in conducting the Best Insurance Company survey to get candid feedback and ratings from current policyholders with top health insurance providers.

Unlike health insurance company assessments that you might find elsewhere, Insure.com's Best Health Insurance Companies is the result of a survey of over 2,400 current health insurance customers – people just like you. We believe it’s the most comprehensive evaluation and a useful guide to help you find the best health insurance company for your needs quickly and easily.

Why You Should Trust Us

We’re not only health insurance experts who enjoy sharing our knowledge. We’re also consumers just like you. As consumers, we want to know what to expect when it comes to a company’s claims service and if the insurer has a decent website and apps. We, too, want a good price, great customer service and to feel comfortable when deciding on a company to purchase an insurance policy. For this reason, we take our Best Health Insurance Company’s survey seriously so that all of us can find the insurance company that is the best fit for our needs.

Whether it’s your first-time buying insurance or switching insurance providers or 25th time, our mission is to provide you with a quick and easy way to review and determine which companies will be the best fit for you. Our reviews and rankings are unbiased and based on the earnest ratings and feedback from surveyed policyholders.

How to Pick Health Insurance Policy

Health insurance is different than other types of insurance policies. We can’t go into a health insurance agency to ask questions. We can’t bundle health insurance like we can with auto, home and even life in some instances. This leaves us doing more research to find a health insurer that makes sense for us. If you have your health insurance from an employer, it means you might only have one or two choices. You also might find limited choices in the ACA marketplace and individual market.

Our team is in the same boat. We advise you to find out your choices and then evaluate what the policies offer. Compare that to your current health status and financial needs. Also, this is the time to check out what others are saying about the healthcare companies and how they rate the items that are so important. You want to find about price, customer service and what’s likely most important to many consumers, claims. While you many go years without filing an auto insurance claim, you’ll use health insurance more regularly. Our Best Health Insurance Companies review is here to help you find the company that fits best for your annual healthcare needs.

What We Surveyed

We commissioned a survey of top company policyholders. Many of those surveyed had multiple types of policies. The survey collected customer ratings for 20 leading companies in the auto category and 15 leading companies in each of the home, health and life categories. Only current customers of the insurers on our lists were surveyed, and the survey was not open to the general public on the Insure.com website.
We asked policyholders about the following categories for ranking purposes:

• Value for price
• Customer service
• Claims satisfaction*
• Usefulness and ease-of-use of its website and mobile apps
• If plan to renew*
• If would recommend

*Life insurance policyholders were not asked about claims or renewal as the policy tends to end with a claim and policies aren’t renewed annually but set for an extended time period.

We also asked for feedback and anecdotes to help people who may be looking to purchase a policy with their current insurance provider. And we asked questions that are not rated or ranked on, such as why they first purchased from the company and how they prefer to deal with their insurer, as this may be valuable to you when deciding if the company is the right fit for your needs. To view the extra information, be sure to click on the company logo to view its individual page.

How We Ranked

Our team of insurance and data experts ranked and identified the best health insurance companies based on what policyholders in our survey have to say about their experiences. This is an independent editorial analysis devoid of affiliations or partnerships of any kind – companies did not pay to be included. The A.M. Best financial ratings represent an assessment of an insurer's ability to meet its financial obligations to policyholders. These are separate from the editorial ranking.

Consumer’s feedback are weighted as follows:

• Price (35% weighting for overall score)
• Customer service (25%)
• Claims (20%)
• Website and app (10%)
• Recommendation (5%)
• Renew (5%)

Exception is life overall ratings that are based on:

• Price (50%)
• Customer service (40%)
• Website and app (5%)
• Recommended (5%)

The expert team reviews and analyzed the survey results to share with consumers because we believe it’s important to view and evaluate real-life feedback when shopping for insurance. Getting more information is always better when researching the best insurance companies, so continue on to see what our surveyed policyholders had to say.