Best Health Insurance Companies of 2023 The top health insurer for 2023 is Kaiser Permanente followed by UnitedHealthcare and Aetna. Other companies to make Insure.com’s top 10 health insurance companies list are Humana, Anthem, BCBS of Michigan, Florida Blue, Blue California, Cigna and Molina Healthcare Home Health insurance Best insurance companies Best Health Insurance Companies of 2023 Written by: John McCormick John McCormick John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology. | Reviewed by: Laura Longero Laura Longero Laura Longero is a content strategist and communications leader with more than 15 years of experience in content development in journalism, marketing and communications for start-ups to global companies. She started her career as a reporter and editor and honed her journalistic skills at the USA Today Network, working in several roles, as well as managing content and writing at MoneyGeek and XYZ Media. | Updated on March 2, 2023 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain our editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. There are many good health insurers, but finding the one that best meets your needs takes some time. To help, the Insure.com editors gathered rate data and looked at health insurers’ AM Best financial stability scores and National Committee for Quality Assurance ratings, which evaluate health plans on member satisfaction, among other factors. We also surveyed members to gauge each company’s level of customer experience and its policy offerings. We asked customers if they trusted their insurer, whether they planned to renew their current policies and what they thought about their insurance company’s digital experience. Based on that data and other important insurance metrics, we rated the best health insurance companies of 2023 and gave each from one to five stars. The top health insurer is Kaiser Permanente with 4.2 (or, more precisely, 4.164) stars, according to our analysis, followed closely behind by UnitedHealthcare also with 4.2 (or 4.158) and Aetna with 3.8 stars. “Consumers certainly want to save money and receive a low premium when choosing an insurance company. However, it is important to also consider factors such as financial ratings, regulatory compliance and customer satisfaction,” says David Marlett, Managing Director, Brantley Risk & Insurance Center at Appalachian State University, and an Insure.com editorial advisor. “These rankings incorporate all of these issues and provide the consumer with a more comprehensive approach to evaluating insurance options.” Below is a list of the top 10 health insurance companies and a review of each. What are the best health insurance companies? Insure.com’s best rated health insurance companies are among the market leaders. The list features well-known names such as Humana and Cigna, as well as several Blue Cross and Blue Shield companies – including Anthem and Blue Shield of California. Rank Company Overall rating Customer satisfaction rating Learn more 1 1. Kaiser Permanente Overall rating 4.2 Customer satisfaction rating: 4.7 Kaiser Permanente insurance review 2 2. UnitedHealthcare Overall rating 4.2 Customer satisfaction rating: 4.3 UnitedHealthcare insurance review 3 3. Aetna Overall rating 3.8 Customer satisfaction rating: 4.4 Aetna insurance review 4 4. Anthem Overall rating 3.6 Customer satisfaction rating: 4.1 Anthem insurance review 5 5. Humana Overall rating 3.6 Customer satisfaction rating: 4.4 Humana insurance review 6 6. BCBS of Michigan Overall rating 3.5 Customer satisfaction rating: 4.5 BCBS of Michigan insurance review 7 7. Blue Shield of California Overall rating 3.3 Customer satisfaction rating: 4.6 Blue Shield of California insurance review 8 8. BCBS of Florida Overall rating 3.0 Customer satisfaction rating: 3.7 BCBS of Florida insurance review 9 9. Molina Healthcare Overall rating 3.0 Customer satisfaction rating: 4.0 Molina Healthcare insurance review 10 10. Cigna Overall rating 2.9 Customer satisfaction rating: 3.9 Cigna insurance review How we picked Insure.com’s top-rated health insurance companies 60+ Carriers reviewed 1500 Insurance consumers surveyed 65+ Insurance metrics examined 14.7M ZIP codes examined Insure.com in the fall of 2022 surveyed more than 1,500 people about insurance. The survey was conducted by online market research company Slice MR. Respondents were asked to rank their insurers. The editors then selected – based on the number of survey responses – the top companies for further evaluation. Insure.com’s editors also gathered AM Best grades, National Committee for Quality Assurance (NCQA) scores and more to make their final selection of the nation’s best health insurance companies. Some familiar names, such as Health Care Service Corp. and Oscar Health, didn’t make the top 10 list because those companies didn’t generate enough survey responses for the editors to do a fair evaluation. The best health insurance companies by category So, how do you find the right insurance company for you? Based on our analysis, we selected the best medical insurance companies for certain situations and needs: Best for customer satisfaction: Kaiser Best for ease of service: Kaiser Best for policy offerings: Kaiser and Blue California Best digital experience: Aetna Best for seniors: Humana Best low deductibles: Blue California Best for its provider network: Anthem Best for its referral policy: UnitedHealthcare Most likely to be recommended to others: Kaiser Most trustworthy: Kaiser Best for renewals: Anthem The top 10 health insurance companies in the U.S. Additional details about the 10 best health insurance companies of 2023 are below. You’ll note that we rounded each company’s star ranking in our profile boxes. You can find out more about each insurer by clicking on the “Learn More” button. Kaiser Permanente Kaiser Permanente Overall rating 4.2 Price/Affordability 3.5 NCQA 4.45 Customer satisfaction 4.7 Price/Affordability Customer Satisfaction NCQA Learn More + Add To Compare Kaiser ranked No. 1 overall in Insure.com’s ranking of the Best Health Insurance Companies for 2023 – earning 4.2 (or, more precisely, 4.164) stars out of 5. Kaiser, one of the nation’s largest not-for-profit health plans, was a top performer in several areas in our insurance consumer survey, including the policy offerings and trustworthiness category. The company also received the highest National Committee for Quality Assurance ranking – 4.5 out of 5 stars. If you’re looking for a health insurer that provides great customer satisfaction and has strong loyalty, then look no further than Kaiser Permanente. UnitedHealthcare UnitedHealthcare Overall rating 4.2 Price/Affordability 4.8 NCQA 3.44 Customer satisfaction 4.3 AM Best A+ Price/Affordability Customer Satisfaction NCQA AM Best Rating A+ Learn More + Add To Compare UnitedHealthcare ranked second overall in Insure.com’s ranking of the Best Health Insurance Companies for 2023, earning 4.2 (or, more precisely, 4.158) stars out of 5. The company also received a high National Committee for Quality Assurance rating – 3.5 out of 5 stars. If you’re looking for an insurer with extensive national coverage and a wide range of offerings, UnitedHealthcare is definitely worth considering. Aetna Aetna Overall rating 3.8 Price/Affordability 5.0 NCQA 3.45 Customer satisfaction 4.4 AM Best A Price/Affordability Customer Satisfaction NCQA AM Best Rating A Learn More + Add To Compare Aetna, which ranked well for affordability and trustworthiness, is No. 3 on Insure.com’s 2023 Best Health Insurance Companies list – earning 3.8 stars out of 5. The company also received 3.5 out of 5 stars from the National Committee for Quality Assurance. It scored the best for affordability and did very well in most of our survey categories. Anthem Anthem Overall rating 3.6 Price/Affordability 4.1 NCQA 3.41 Customer satisfaction 4.1 AM Best A+ Price/Affordability Customer Satisfaction NCQA AM Best Rating A+ Learn More + Add To Compare Anthem Blue Cross Blue Shield, which ranks highest for loyalty, is fourth on Insure.com’s 2023 Best Health Insurance Companies list – earning 3.6 (or, more precisely, 3.63) stars out of 5. The company also received 3.5 out of 5 stars from the National Committee for Quality Assurance. One of Anthem’s key strengths is its high member loyalty, with 95% of customers saying they would stick with the insurer – the highest score among the companies we ranked. Humana Humana Overall rating 3.6 Price/Affordability 4.2 NCQA 3.47 Customer satisfaction 4.4 AM Best A- Price/Affordability Customer Satisfaction NCQA AM Best Rating A- Learn More + Add To Compare Humana, which gets high marks for customer satisfaction and being an all-around solid health insurance provider, is fifth on Insure.com’s 2023 Best Health Insurance Companies list – earning 3.6 (or, more precisely, 3.61) stars out of 5. The company also received high marks for having a strong provider network and policy offerings. More than 90% of customers said they would recommend the company to others. Humana earned 3.5 out of 5 stars from the National Committee for Quality Assurance. Blue Cross Blue Shield of Michigan BCBS of Michigan Overall rating 3.5 Price/Affordability 3.3 NCQA 4.00 Customer satisfaction 4.5 AM Best A Price/Affordability Customer Satisfaction NCQA AM Best Rating A Learn More + Add To Compare BCBS of Michigan had one of the highest rankings in our consumer survey for customer satisfaction, landing the company at No. 6 on Insure.com’s 2023 Best Health Insurance Companies list. It earned 3.5 stars out of 5. It also received 4 out of 5 stars from the National Committee for Quality Assurance. The insurer ranks highly as a good all-around health insurance provider. Blue Shield of California Blue Shield of California Overall rating 3.3 Price/Affordability 4.4 NCQA 4.00 Customer satisfaction 4.6 AM Best A Price/Affordability Customer Satisfaction NCQA AM Best Rating A Learn More + Add To Compare Blue California ranks high for affordability and customer service. It’s seventh on Insure.com’s 2023 Best Health Insurance Companies list – earning 3.3 stars out of 5. The company received 4 out of 5 stars from the National Committee for Quality Assurance. It gets high marks as a good all-around health insurance provider. It’s a frontrunner for people looking for an insurer that delivers high customer satisfaction combined with good value for the money. Blue Cross Blue Shield of Florida BCBS of Florida Overall rating 3.0 Price/Affordability 2.9 NCQA 3.50 Customer satisfaction 3.7 AM Best A+ Price/Affordability Customer Satisfaction NCQA AM Best Rating A+ Learn More + Add To Compare Florida Blue rated well for having low deductibles and a good provider network. It’s No. 8 on Insure.com’s 2023 Best Health Insurance Companies list – earning 3 (or, more precisely, 2.98) stars out of 5. The company also received 3.5 out of 5 stars from the National Committee for Quality Assurance. Molina Molina Healthcare Overall rating 3.0 Price/Affordability 3.9 NCQA 2.75 Customer satisfaction 4.0 AM Best B Price/Affordability Customer Satisfaction NCQA AM Best Rating B Learn More + Add To Compare Molina ranked No. 9 on Insure.com’s 2023 Best Health Insurance Companies list – earning 3 (or, more precisely, 2.96) stars out of 5. The company has a respectable 3 out of 5 stars from the National Committee for Quality Assurance. It ranks high for trustworthiness. Cigna Cigna Overall rating 2.9 Price/Affordability 4.8 NCQA 2.94 Customer satisfaction 3.9 AM Best A Price/Affordability Customer Satisfaction NCQA AM Best Rating A Learn More + Add To Compare Cigna, which ranks high for affordability, is No. 10 on Insure.com’s 2023 Best Health Insurance Companies list – earning 2.9 stars out of 5. The company also had 3 out of 5 stars rating from the National Committee for Quality Assurance. Cigna is a good health insurance provider for people who want access to a big provider network and strong integration with pharmacy benefits. The best-rated health insurance companies for customer service and more So, how do you find the best insurance company for you? Insure.com editors surveyed consumers of more than a dozen top insurers. We then ranked them based on the information we received and third-party data. Below, we break out the best companies by category: Best health insurance companies for customer satisfaction Customer satisfaction was one of the most important factors in our health insurance consumer survey. Kaiser was the top-ranked company in this category, although Blue California and BCBS of Michigan also did well. Company Percent of customers satisfied with the company’s ease of service Kaiser 93% Blue California 91% BCBS Michigan 89% Best health insurance companies for ease of service Ease of service measures how easy it is for consumers to access policy documents and services. Kaiser led this category, followed by Blue California and UnitedHealthcare. Company Percent of customers satisfied with the company’s policy offerings Kaiser 96% Blue California 91% UnitedHealthcare 85% Best health insurance companies for policy offerings Some companies offer more policy options than others – pharmacy plans, student plans, etc. Kaiser and Blue California took the top spot, followed by UnitedHealthcare. Company Percent of customers satisfied with the company’s policy offerings Blue California 91% Kaiser 91% UnitedHealthcare 84% Most recommended health insurance company Most of the companies in our survey scored strongly when it comes to customers who would recommend the company to others. More than 95% of Kaiser customers said they would tell others about it. Company Percent of customers who would recommend the company to others Kaiser 96% Humana 91% UnitedHealthcare 90% Most trustworthy health insurance company Kaiser had the highest scores, with 87% of its customers giving it high marks for trustworthiness. Aetna and Molina came in second in this category. Company Percent of customers who say they trust the company Kaiser 87% Aetna 75% Molina 75% Best health insurance provider for renewals Anthem had the highest percentage of customers who said they would renew, followed by Kaiser and then a three-way tie for third place. Company Percent of customers who plan to renew with the company Anthem 95% Kaiser 93% Aetna, Cigna and Molina 90% How to get the best health insurance Finding the best health insurance isn’t easy — there is a lot to think about, and every person has their own unique set of needs. However, despite the complexity of the decision, there are some steps you can take to determine your best options. If you or your spouse is eligible for health insurance through an employer, that may be your best option. Alternatively, you may be eligible for an ACA plan, Medicare or Medicaid. Read the reviews of each insurer to find out which company aligns most closely with what you need in an insurance provider. For instance, do you want low premiums? Or do you want to minimize costs when visiting the doctor? In addition, some insurance companies are small, only covering a particular state. Perhaps a local insurance company provides excellent service, but if you travel often, you may have to pay high out-of-network costs. In this case, one with a national footprint may be a better choice. The same can be said for prescription drugs. Are the ones you need covered by a particular plan, and does the insurance company have relationships with pharmacies where you need them? These are questions you should answer before committing to a health insurance plan. How to compare health insurance rates There are a few different ways you can compare health insurance rates. For instance, if you use the health insurance marketplace, you can easily compare plans from different providers and see deductibles, premiums, co-pays, out-of-pocket maximums, etc. This will let you know how much you will pay on a monthly basis as well as how much you will pay when going to the doctor. On the other hand, if you are enrolling in a plan through work, you can compare the rates on all of the plans offered there. You should easily be able to sort by things like premium and out-of-pocket maximum. In general, the lower the premium, the higher the deductible, and vice versa. Also pay attention to the provider network, prescription coverage and anything else important to you before selecting a plan. Final thoughts on the best health insurance companies When it comes to health insurance, the best company for you is the one that offers the level of service you need and the price you can afford. –Bob Haegele contributed to this report. Methodology Insure.com in the fall of 2022 surveyed more than 1,500 insurance consumers (775 people with health insurance). The survey was conducted by online market research company Slice MR. Respondents were asked to name their insurer and then grade it in the following categories – customer satisfaction, ease of service and policy offerings. The percentage of respondents who said they were satisfied or very satisfied with their insurer is presented in the results. Respondents were then asked to rank their insurer’s top three attributes out of more than a dozen presented – such as its provider network. For a number one choice, five points were given; for a second choice, three points; and for a third choice, a single point. The total points for each choice – first, second and third – were then divided by the number of each company’s customers who responded to that survey question to create a percentage. Those percentages are presented in the results as scores. Respondents were then asked if they would recommend their insurer to someone else and if they planned to renew their policies. The percentage who said yes is presented in the results. They also were given the statement “I trust my insurance company” and asked if they strongly agreed, agreed, disagreed or strongly disagreed with the statement. The percentage of those who said they agreed or strongly agreed is presented in the results. The editors compiled the survey results and then selected – based on the number of survey responses – the top companies for further evaluation. Insure.com needed 20 or more of a company’s customers to respond to the survey for that insurer to be included in the ranking, although in some categories the editors did consider companies with 18 or 19 responses. They then collected National Association of Insurance Commissioners’ complaint data, which ranks a company by the number of customer complaints it receives, and National Committee for Quality Assurance (NCQA) ratings, which evaluate health plans on, among other things, member satisfaction. With the help of Prof. David Marlett, Ph.D., managing director of the Brantley Risk and Insurance Center at Appalachian State University, the editors created a rating system to determine which insurance companies were best in each sector. For health insurers, we used the following weights to calculate the overall score for each company: Survey – 60% of total score (10% for customer satisfaction, 10% for trustworthiness, 10% for recommending the carrier to another, 10% for renewing with their current insurer, and 20% if they consider their insurer the best for affordability) NCQA – 25% of total score NAIC – 15% of total score Scores were added and each insurer was awarded from 1 to 5 stars. No insurer in our star ranking received less than 1 star and the highest possible ranking is 5 stars. Compare Companies Compare companies to find the best fit for you! All you need to do is find companies you like and click ,"Add to Compare." When you’re ready to review, click the compare button that appears in this menu. Compare Reset Please add more than one companies to proceed with comparison. Table of contents The best health insurance companies by categoryThe top 10 health insurance companies in the U.S.The best-rated health insurance companies for customer service and moreHow to get the best health insuranceHow to compare health insurance ratesFinal thoughts on the best health insurance companies