Best Health Insurance Companies Of 2022

Best Health Insurance Companies Of 2022: Not sure where to start in finding the best health insurance plan for you? Here are the best health insurance companies to consider as you prepare to shop for coverage during open enrollment.


Best Health Insurance Companies Of 2022

To determine the best health insurance companies, the Forbes Health editorial team evaluated U.S. insurance companies that offer plans nationwide by how many states they provide coverage in, the sizes of their provider networks, the types of plans available, their starting rates for physician and specialist copays, and their reputations among agencies like A.M. Best (which evaluates a company’s financial health) and the Better Business Bureau (which focuses more on customer satisfaction). Read on to see which providers made the list.

1. Aetna

With affordable copays and nationwide coverage, Aetna easily lands a spot on our list of best health insurance companies of 2021. Specialist copays in a standard HMO plan begin at $35 and available benefit options include dental, hearing, vision, some holistic care, lifestyle (such as life coaching, counseling and quitting tobacco) and transportation coverage. Aetna receives an A.M. Best rating of A and a Better Business Bureau (BBB) grade of A+. The company also includes 5,700 hospitals in its network, and its plans can be purchased through the marketplace, which makes enrollment easy and accessible.

2.Blue Cross Blue Shield

One of the more popular and established names in health care for 80 years, Blue Cross Blue Shield offers basic plan options with biweekly premiums starting at $68.48 (which comes out to $136.96 a month). BCBS plan options include health maintenance organization (HMO) plans, preferred provider organization plans (PPO) plans and, for government employees, a Federal Employee Program (FEP). Coverage across vision, dental, hearing and international care is also available. In some states, holistic care is covered and lifestyle and transportation coverage is an option. The BCBS network includes over 90% of all providers and hospitals nationwide, and the company has an A+ BBB grade and A.M. Best ranking of A

3. Cigna

A global provider, Cigna maintains relationships with over 180 million patients and customers worldwide. In some states, the company offers provider and specialist copays for as low as $0, and it offers exclusive provider organization (EPO) plans, along with HMO and PPO plans. Dental coverage is also available, and supplemental insurance policies like cancer treatment insurance and lump sum heart attack and stroke insurance are part of their plan portfolio as well. Cigna holds an A.M. Best ranking of A.

4. UnitedHealthcare

UnitedHealthcare is another key health insurance provider in the U.S., with a hospital network of 6,500 reaching from coast to coast. In addition to HMO and PPO plans, UnitedHealthcare offers vision coverage, dental coverage, Affordable Care Act (ACA) plans, Medicare optionsand other supplemental insurance policies to cover events like accidents, hospitalization and even travel. In some states, specialist copays can be as low as $75.00. The company has an A.M. Best rating of A- and a grade of A+ with BBB.


Focused on the Medicare community, Humana is a well-known resource for people age 65 and older looking to enroll in Medicare. The company offers Medicare HMO and PPO plans and in some areas, premiums for Medicare Advantage plans can be as low as $0, depending on where you live. Humana also offers health insurance plans for business owners, tailoring plans to small and large groups alike. Supplemental plans available include, dental coverage, prescription drug coverage, vision coverage and fitness (gym membership) benefits. Humana plans can be purchased through the marketplace. The company boasts an A- ranking from A.M. Best and an A+ grade from BBB.