Here is the list of Best Affordable Health Insurance in US at the moment. This is a collection of some proven and cheap health insurance companies around the United States of America.
If you looking for good affordable health insurance that can save you from massive medical bills as deductibles, copays, coinsurance, and fees, coupled with the benefit of financial assistance programs to help you maintain real-time health insurance, then this article is for you.
Here is the 10 Best Affordable Health Insurance in US;
UnitedHealth is a part of UnitedHealth Group, which is the largest health insurer in the U.S. It is considered the best health insurance provider for online care that provides the opportunity for members to order medicines online, communicate with a nurse via a hotline, and participate in online fitness and wellness programs. UnitedHealthcare also has a mobile app on which members can communicate and set up appointments with doctors and other health professionals.
The online accessibility to such services and resources makes the company stand out. It offers health care products and insurance services with nearly 900,000 health care professionals. Moreover, it is the largest healthcare company in the world by revenue, with 2019 revenue of $242.2 billion. The available health insurance plans include Preferred Provider Organization (PPO), Health Maintenance Organizations (HMO) and Exclusive Provider Organizations (EPO).
Members have access to a Health Savings Account and Flexible Spending Account. They also enjoy discounts on services like smoking cessation programs, hearing aids, and vision services. Unitedhealth is one of the best insurances for self employed in America.
2. Kaiser Permanente
Kaiser Permanente is one of the largest healthcare plans in the United States, with over 12 million members. Kaiser Permanente is made up of three distinct but interdependent groups of health care units including the Kaiser Foundation Health Plan; Kaiser Foundation Hospitals; and the regional Permanente Medical Groups. This health insurance company has a high rating in customer satisfaction. It has excellent financial strength ratings and has won numerous customer service awards from J.D. Power and Associates.
Kaiser Permanente is the right choice for a health savings plan where members are offered health savings account in their insurance plans. Members have access to several plan options including bronze, silver, gold, and platinum plans. The health savings account is tax-free. Members can use the savings to pay for qualifying expenses including prescriptions, primary and specialty care visits, doctor visits, hospital visits, X-rays, lab tests, ambulance, and emergency care services, physical therapy, occupational therapy, vision care, and dental care.
3. BlueCross BlueShield
BlueCross BlueShield is a federation of 36 separate United States health insurance companies that provide health insurance in the United States and in many other countries in the world. This made it possible to offer nationwide health services where people can meet health providers that accept BlueCross Blue Shield health insurance. Members have access to HMO, PPO, and EPO plans which come with different service features.
The plans also give access to Health Saving Accounts and Flexible Spending Accounts. Flexible Spending Accounts are tax-free and can be used to pay for health-related expenses and deductibles. The Health Saving Account can only be used for qualifying medical expenses. Bluecross Bluefield provides the best health insurance options self employed in this part of the world.
Cigna offers Medicare and Medicaid products and health, life and accident insurance coverages in the U.S. and selected international markets. It offers health insurance currently in 10 U.S. states: Arizona, Colorado, Florida, Illinois, Kansas, Missouri, North Carolina, Tennessee, Utah, and Virginia. Cigna runs a full-service staff-model HMO with satellite clinics throughout the region, known as the Cigna Medical Group.
Members have access to excellent telehealth services in all the states covered. The program allows members to access board-certified telehealth providers including Amwell and MDLIVE. In addition, members also enjoy other benefits including access to a home delivery pharmacy, health information helpdesk, flu shot information, and rewards program. High-deductible plans are available beside HSA plan options. But members from each state may note variations in certain plan options.
Aetna is an American managed health care company that offers employer-paid (fully or partly) insurance and benefit programs through Medicare. It sells traditional and consumer-directed health care insurance and related services, such as medical, pharmaceutical, dental, behavioral health, long-term care, and disability plans.
Members also enjoy wellness programs including gym memberships, weight-loss programs, and chiropractic services. Aetna offers several types of provider plans including HMO, POS, PPO, EPO, and HDHP with HSA. Since November 28, 2018, the company has been a subsidiary of CVS Health, it still provides employer health plans to residents of the US.
6. Health Care Service Corporation
Health Care Service Corporation, founded in 1936, is the US largest customer-owned health insurer and fifth-largest health insurer overall. It operates through Blue Cross and Blue Shield Plans in Illinois, Montana, New Mexico, Oklahoma, and Texas and is an independent licensee of the Blue Cross Blue Shield Association. Affiliates and subsidiaries, such as Dearborn Group, Innovista, Medecision, and Prime Therapeutics provide comprehensive care through life, disability, and dental coverage.
The company serves more than 16 million members across its five states and employs more than 23,000 people in over 60 local offices. Members have access to healthy living programs including an online health assessment tool, smoking cessation support, weight-loss programs, maternity programs, fitness programs, and a 24/7 nurse hotline.
There are mobile alerts to members through text or by email including claims information notification, exercise and fitness tips, prescription drug reminders, diabetes diet tips, and heart-healthy diet management and care tips. This is health insurance for self employed, beautifully crafted to accommodate anyone individual or corporate body.
Here is one of the biggest private health insurance companies in the states. Humana is an American health insurance company based in Louisville, Kentucky. It has been the third-largest health insurance in the nation with over 13 million members in the U.S. In 2018, the company ranked 56 on the Fortune 500 list, which made it the highest ranked (by revenues) company based in Kentucky.
Founded in 1961 as a nursing home company that grew to be the largest nursing home company in US, the founders decided to move the company to a higher level of human care and, by extension, more humane care. It grew in the following years, both by business and in 1978 through the takeover of American Medicorp Inc., which doubled the company’s size and growing into the world’s largest hospital company in the 1980s. Humana offers affordable health insurance plans for individuals and families. Employer-based plans are also available, not leaving out HMO and PPO. Undoubtedly one of the most affordable health insurance with low deductible.
8. Centene Corp
Centene Corporation is a multi-line managed care enterprise that serves as a major intermediary for both government-sponsored and privately insured health care programs. With over 23 million managed care members, the company span across 50 states in the US. Members are connected with health professionals and doctors for reliable health services and intervention.
The company provides education and innovative programs to enlighten people on health issues. In connection with other healthcare organizations, Cetene provides specialty services including behavioral health care services, case management software, correctional insurance, in-home health services, life and health management, vision, pharmacy benefits management, and telehealth services.
WellCare is a health insurance company that provides managed care services primarily through Medicaid, Medicare Advantage, and Medicare Prescription Drug plans. Wellcare Health Plans, Inc. is the holding company for several subsidiaries, including WellCare, Meridian Health Plan, Staywell Health Plan, ‘Ohana Health Plan, Care1st Health Plan Arizona, and Missouri Care, among others.
Regional offices are located in Tampa, Atlanta, New York, Chicago, Detroit, Phoenix, Houston, Omaha, and St. Louis, among others. The company is now a partner with Centene for creating a premier healthcare enterprise focused on government-sponsored healthcare programs. It offers extensive health care plans that vary based on states. The plans are quite affordable coupled with supportive features to help individuals sustain a real-time insurance program. U.S. health insurance company gets even better with Wellcare.
10. California Physicians Service
California Physicians Service (now known as Blue Shield of California) is a health plan provider founded in 1939 and based in Oakland, California. Blue Shield of California was founded by the California Medical Association as a not-for-profit. The organization serves over 4 million health plan members and nearly 65,000 physicians across the state. The organization provides access for members to contact nurses and doctors at any time with its Teladoc app.
HMO and PPO plans are available for families and individuals with features to benefit including wellness and vision discount programs, 24/7 contact at no cost, a wide range of health professionals, prescription services through mail, personalized health support, and health update newsletter. Members can also interact with Wellevolution, a system that offers online and in-person programs for general well-being and disease reversal.
That has been our collection of some affordable across the states. We covered affordable health insurance for students in college, best self employed health insurance, affordable health insurance for individuals