The right individual health insurance provider offers a wide selection of plans that fit specific needs, plans that allow you to focus on healing from an illness rather than worrying about paying bills. The strongest health insurance companies have experience and a reputation for excellence. They make the entire experience as smooth as can be, from finding and buying the right policy to managing it. The following are the specific criteria we used to find the best health insurance providers:
Features
Quality private health insurance providers offer a wide range of plan types. You should be able to find just what you want – health savings account plans, copayment plans or short-term plans – at a price that fits your budget. We like the providers that make it easy to add features like dental, vision and other coverage too, so that you can manage all of your insurance needs in one place if you like. The best health insurance providers have many years of experience and large networks of doctors and hospitals, so you know that you can work with the health care providers you like and trust.
Coverage
A great health insurance company offers great plans. We compared the deals we could find for typical health insurance shoppers and considered the quality of the coverage for the price. The best plans pay a generous share of the bill for everything you would expect and a few extras as well. We looked for companies that offer many options for individuals and families so that you can find a monthly premium and annual deductible that work well for your specific situation.
Ease of Use
The best providers make it simple to find and manage the best plan for you and your family with online tools. You should be able to get quotes easily and even apply online. We like the companies that map out the details of every plan clearly on their sites so that there are no surprises.
Help & Support
Health insurance is a complicated topic that will likely illicit questions from many consumers, so companies that offer health insurance plans need to be accessible to clients through many channels. Their websites should offer a lot of information, and customer service agents should be easy to contact via email or telephone.
OK, here are Top 10 the best healht insurance companies 2017
1. HUMANA INSURANCE
Pros
A vast network of physicians will make it easier to avoid out-of-network fees.
Cons
An online chat feature would make this site even more user friendly.
The Verdict
With years of experience and a huge selection of plans Humana is an excellent source of individual health insurance.
Humana Summary(Score : 9.9/10)
Humana offers experience and expertise that will make it easier for you to find affordable health insurance that addresses your needs. We found a wide variety of plan types and a lot of choice within those plans concerning deductibles. Humana's expansive network of doctors and hospitals will make it easy to find providers that charge cheaper, in-network rates, even when you are far from home. You will be able to manage your account through a well-organized web site or app via your mobile phone. This company puts everything you need for finding private medical insurance within easy reach.
Official site : https://www.humana.com/
2. UnitedHealthOne INSURANCE
Pros
The wide variety of plan types means there will be a plan to fit most individuals.
Cons
Discounts on health-promoting products would make a nice addition to UnitedHealthOne offerings.
The Verdict
Better wellness programs would add a lot but this provider offers an impressive selection of quality private health insurance.
UnitedHealthOne Summary (Score : 9.4/10)
If you are looking for high-quality, low-cost health insurance, UnitedHealthOne is an excellent resource. The variety in the plans and pricing is very nice, and the large network of doctors and hospitals will make it more likely that you will pay low, in-network prices every time.
Official site : https://www.uhone.com/
3. AETNA INSURANCE
This company has a lot of experience and a good reputation.
Cons
A lack of short-term plans limits selection.
The Verdict
High quality coverage and the ability to piggyback many types of insurance make Aetna a solid choice.
Aetna Summary (Score : 8.9/10)
We would prefer to see short-term plans as an offering, but in all other categories Aetna gives so much choice to its customers. This is a company with a good reputation overall and a lot of experience that will benefit you and your family. With so many choices, Aetna is bound to have a low-cost health insurance plan that will fit your needs.
Official site : http://www.aetna.com/
4. ANTHEM INSURANCE
Pros
Anthem BlueCross BlueShield makes it easy to add dental, vision and other types of insurance.
Cons
This company does not have the best selection of family plans.
The Verdict
This company covers only a handful of states, and its selection of family plans is limited, but we like the affordable health insurance we found for individuals.
Anthem BlueCross BlueShield Summary (Score : 8.7/10)
The plans for families were quite underwhelming with Anthem BlueCross BlueShield, but we like many of the plans for individuals that we saw. This is one branch of a very well established and respected company, and you will find some good options for affordable health insurance with easy ways to add dental, vision, life and other insurance as well.
Official site : https://www.anthem.com/health-insurance/home/overview
5.CELTIC INSURANCE
Pros
This company covers a large geographical area.
Cons
The Celtic website lacks information on health and wellness topics.
The Verdict
Even without short-term options, Celtic manages to offer a wide selection of plans that fit different stages of life.
Celtic Summary (Score : 8.6/10)
Celtic lacks a few things we prefer to see, including short-term plans, but we found some good plans on the company's site. Celtic covers quite a broad geographical area, which will make it more helpful to a wider audience than many of the companies we evaluated for our health insurance review.
Official site : https://www.celtic-net.com/
6. ASSURANT INSURANCE
Pros
Assurant's short-term plan selection is extensive.
Cons
This company does not offer a way to add vision insurance.
The Verdict
Assurant lacks a few features, but we like their options for individuals, including the many short-term plans.
Assurant Summary (Score : 8.4/10)
Assurant has been in the insurance business for a very long time and covers 44 states. The company does not offer everything we were looking for from a health insurance provider, including wellness programs and the ability to add vision insurance, but we found some decent plans, especially for individuals, and you won't find a better source for short-term insurance.
Official site : http://www.assurant.com
7. SELECTHEALTH INSURANCE
Pros
Plan selection is truly impressive, especially for such a small company.
Cons
There is no easy way to add vision or life insurance.
The Verdict
SelectHealth's small size means that it can only serve a handful of people.
SelectHealth Summary (Score : 8.1/10)
Aside from the fact that it does not facilitate the addition of life, vision and other insurance, SelectHealth is a great resource. It is a small provider that offers excellent low-cost health insurance. If you are lucky enough to live in the coverage area, it is a good option. Most folks will have to rely on competitors, though.
Official site : https://selecthealth.org
8. KAISER PERMANENTE INSURANCE
Pros
Kaiser Permanente has outstanding wellness programs for its customers.
Cons
Plan prices are comparatively high and there are no short-term plan options.
The Verdict
Although it lacks a few options and many of its plans are overpriced, Kaiser Permanente offers a decent selection of high quality health insurance.
Kaiser Permanente Summary (Score : 8.1/10)
The pricing from Kaiser Permanente is noticeably higher overall, but that is not the primary concern for every insurance shopper. This company offers high quality health insurance coverage for individuals and families in 10 states.
Official site : https://individual-family.kaiserpermanente.org/healthinsurance
9. CIGNA INSURANCE
Pros
Cigna's website is excellent and easy to use.
Cons
This company does not let you combine basic health coverage with vision and disability insurance.
The Verdict
Although its plan variety is not quite as extensive, Cigna has a decent selection of affordable health insurance.
Cigna Summary (Score : 7.8/10)
Cigna does not allow you to easily combine your medical with vision and other types of insurance, but we are happy with the individual plans we found. We also found their website to be among the easiest to navigate. That will save you time and hassle when you are shopping.
Official site : http://www.cigna.com/
10.COVENTRY INSYRANCE
Pros
The sheer quantity of health insurance plans Coventry Health Care offers is impressive.
Cons
This company does not allow you to add dental, vision or life insurance.
The Verdict
Coventry Health Care lacks some important features, but we like its long lists of options for individuals.
Coventry Summary (Score : 5.6/10)
Coventry does not offer an easy way to add life, dental, vision or other types of insurance, but the company does have some decent coverage for major medical insurance. With its expansive selection, you just might find the perfect match for your needs among its many plans.
official site : http://coventryhealthcare.com/
Do you have recommendation about health insurance for 2017, please share here!
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