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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.

  • Best health insurance company for claims: Centene -90.97
  • Best health insurance company for value for the price: Centene - 89.20
  • Best health insurance company for customer service: Centene - 89.60
  • Best health insurance company website and apps: Centene - 84.74
  • Best health insurance company for renewals: Horizon BCBS of New Jersey - 96.3%
  • Best health insurance company for recommendations: Centene - 89%

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.

We’ve taken our many years of experience and crafted survey questions to find out what current policyholders like and dislike about their insurance company to make your life easier when evaluating insurance companies.

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:

*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:

Exception is life overall ratings that are based on:

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.

Centene
Score Details
Our Score
HOW WE WEIGH OUR SCORE
89.32
Customers Who Recommend
89%
A.M. Best Financial Strength Ratings
NR
Score Details
Customers Who Recommend
89%
A.M. Best Financial Strength Ratings
NR
Value for Price
89.20
Customer Service
89.60
Claims Service
90.97
Website & Apps
84.74
BCBS of North Carolina
Score Details
Our Score
HOW WE WEIGH OUR SCORE
84.45
Customers Who Recommend
82%
A.M. Best Financial Strength Ratings
NR
Score Details
Customers Who Recommend
82%
A.M. Best Financial Strength Ratings
NR
Value for Price
81.40
Customer Service
84.00
Claims Service
88.85
Website & Apps
81.68
Cigna
Score Details
Our Score
HOW WE WEIGH OUR SCORE
83.95
Customers Who Recommend
75%
A.M. Best Financial Strength Ratings
A
Score Details
Customers Who Recommend
75%
A.M. Best Financial Strength Ratings
A
Value for Price
81.20
Customer Service
84.60
Claims Service
87.60
Website & Apps
81.47
Kaiser Permanente
Score Details
Our Score
HOW WE WEIGH OUR SCORE
83.59
Customers Who Recommend
71%
A.M. Best Financial Strength Ratings
NR
Score Details
Customers Who Recommend
71%
A.M. Best Financial Strength Ratings
NR
Value for Price
80.60
Customer Service
82.40
Claims Service
89.74
Website & Apps
81.43
Humana
Score Details
Our Score
HOW WE WEIGH OUR SCORE
83.38
Customers Who Recommend
70%
A.M. Best Financial Strength Ratings
A-
Score Details
Customers Who Recommend
70%
A.M. Best Financial Strength Ratings
A-
Value for Price
83.00
Customer Service
82.00
Claims Service
87.37
Website & Apps
77.53
Horizon BCBS of New Jersey
Score Details
Our Score
HOW WE WEIGH OUR SCORE
82.86
Customers Who Recommend
78%
A.M. Best Financial Strength Ratings
NR
Score Details
Customers Who Recommend
78%
A.M. Best Financial Strength Ratings
NR
Value for Price
80.73
Customer Service
82.20
Claims Service
84.59
Website & Apps
81.33
BCBS of Florida
Score Details
Our Score
HOW WE WEIGH OUR SCORE
82.44
Customers Who Recommend
79%
A.M. Best Financial Strength Ratings
A+
Score Details
Customers Who Recommend
79%
A.M. Best Financial Strength Ratings
A+
Value for Price
78.80
Customer Service
82.80
Claims Service
86.76
Website & Apps
79.79
Anthem
Score Details
Our Score
HOW WE WEIGH OUR SCORE
82.33
Customers Who Recommend
71%
A.M. Best Financial Strength Ratings
A
Score Details
Customers Who Recommend
71%
A.M. Best Financial Strength Ratings
A
Value for Price
79.40
Customer Service
82.80
Claims Service
85.88
Website & Apps
79.15
EmblemHealth
Score Details
Our Score
HOW WE WEIGH OUR SCORE
82.18
Customers Who Recommend
74%
A.M. Best Financial Strength Ratings
C+
Score Details
Customers Who Recommend
74%
A.M. Best Financial Strength Ratings
C+
Value for Price
78.32
Customer Service
82.53
Claims Service
87.86
Website & Apps
81.43
Aetna
Score Details
Our Score
HOW WE WEIGH OUR SCORE
82.10
Customers Who Recommend
68%
A.M. Best Financial Strength Ratings
A
Score Details
Customers Who Recommend
68%
A.M. Best Financial Strength Ratings
A
Value for Price
79.40
Customer Service
82.40
Claims Service
87.17
Website & Apps
80.22
Blue Shield of California
Score Details
Our Score
HOW WE WEIGH OUR SCORE
81.41
Customers Who Recommend
74%
A.M. Best Financial Strength Ratings
A
Score Details
Customers Who Recommend
74%
A.M. Best Financial Strength Ratings
A
Value for Price
79.20
Customer Service
81.00
Claims Service
85.88
Website & Apps
76.90
BCBS of Michigan
Score Details
Our Score
HOW WE WEIGH OUR SCORE
81.34
Customers Who Recommend
77%
A.M. Best Financial Strength Ratings
A
Score Details
Customers Who Recommend
77%
A.M. Best Financial Strength Ratings
A
Value for Price
77.98
Customer Service
81.82
Claims Service
83.81
Website & Apps
81.33
UnitedHealthCare
Score Details
Our Score
HOW WE WEIGH OUR SCORE
81.10
Customers Who Recommend
69%
A.M. Best Financial Strength Ratings
A
Score Details
Customers Who Recommend
69%
A.M. Best Financial Strength Ratings
A
Value for Price
78.28
Customer Service
80.70
Claims Service
84.92
Website & Apps
80.17
Highmark
Score Details
Our Score
HOW WE WEIGH OUR SCORE
80.93
Customers Who Recommend
65%
A.M. Best Financial Strength Ratings
A
Score Details
Customers Who Recommend
65%
A.M. Best Financial Strength Ratings
A
Value for Price
78.60
Customer Service
79.20
Claims Service
84.69
Website & Apps
80.22
HealthCare Services Corp
Score Details
Our Score
HOW WE WEIGH OUR SCORE
79.55
Customers Who Recommend
65%
A.M. Best Financial Strength Ratings
A
Score Details
Customers Who Recommend
65%
A.M. Best Financial Strength Ratings
A
Value for Price
75.80
Customer Service
81.40
Claims Service
84.71
Website & Apps
76.59
Showing 10 out of 15
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Here are what some policyholders in our survey had to say when asked to make a comment about their experience (you can see all comments for each company by clicking on the logo in the table above):

1. Centene

Good to know

Centene, a St. Louis-based insurer, made its name as a Medicaid managed care payer. It's the largest Medicaid managed care insurer in the US. In recent years, the insurer expanded into the Affordable Care Act marketplace and Medicare Advantage. Centene now offers Medicaid in 24 states, Medicare Advantage in 19 states, Affordable Care Act plans in 20 states, as well as TRICARE and correction facilities offerings. 

Bottom Line

Centene ranked number one in its first year in the Best Health Insurance Companies survey. Centene received the top mark across the board: claims, price, customer service and website/app. A whopping 89% of Centene members said they would recommend the insurer to others. That number led the field. Centene also showed support across multiple age groups. Millennials and Baby Boomers ranked Centene as the top health insurer. Generation Xers voted it as number two. It also ranked number one across each region except the west where it took second place.

2. Blue Cross and Blue Shield of North Carolina

Good to know

BCBS of NC's PPO network includes 96% of medical doctors and 99% of general acute-care hospitals in the state. BCBS of NC also offers BlueCard coverage outside of North Carolina. In other words, you can still get in-network care outside of the state. The insurer is part of the larger Blue Cross Blue Shield Association with 35 other Blues plans.

Bottom Line

Blue Cross and Blue Shield of North Carolina finished second for website/app and third for claims, price and customer service. More importantly, 82% said they recommend the insurer. Ninety-six percent of BCBS of NC members said they plan to renew.

3. Cigna

Good to know

Cigna has grown its employer plan market in recent years as other health insurers have focused more on Medicare Advantage and Medicaid. Cigna now owns the pharmacy benefit manager Express Scripts. Health insurers have increasingly moved into the pharmacy benefit manager business as a way to streamline costs. Members might not notice whether a pharmacy benefit manager is in-house, but it can allow the insurer to contain costs.

Bottom Line

Cigna performed best for customer service (second) and website/app (third). Seventy-five percent of Cigna members said they would recommend the insurer and 93% said they plan to renew. Those numbers were both in the middle of the road. Millennials ranked Cigna as the second best health insurer, while it ranked near the bottom for Baby Boomers.

Here is how insurance companies ranked when data were analyzed by age and region.

Best Health Insurance Companies by Age

  1. Centene
  2. Cigna
  3. Blue Cross Blue Shield of Florida
  1. Horizon Blue Cross Blue Shield
  2. Centene
  3. Emblem Health (also Health Insurance Plan of New York; ConnectiCare)
  1. Centene
  2. HealthCare Services Corp -- BCBS of Illinois, Montana, New Mexico, Oklahoma and Texas
  3. Blue Cross and Blue Shield of North Carolina

Best Health Insurance Companies by Region

  1. Centene
  2. Humana
  3. Anthem -- known as BCBS in Colorado and Nevada, BCBS of Georgia, RightCHOICE and Healthy Alliance in Missouri, Community Insurance in Ohio, BCBS of Wisconsin as well as Compcare
  1. Centene
  2. Cigna
  3. Anthem -- known as BCBS in Colorado and Nevada, BCBS of Georgia, RightCHOICE and Healthy Alliance in Missouri, Community Insurance in Ohio, BCBS of Wisconsin as well as Compcare
  1. Centene
  2. Humana
  3. Aetna/Coventry
  1. Aetna/Coventry
  2. Centene
  3. Cigna