Best Health Insurance Companies of 2025 Kaiser Permanente and UnitedHealthcare top this year’s ranking, followed by Aetna and Highmark. Other companies on our list of top health insurers are Humana, HCSC, Elevance, Cigna and Molina. View Carriers Please enter valid zip Compare top carriers in your area Home Health insurance Best insurance companies Best Health Insurance Companies of 2025 Written by John McCormick John McCormick John is an insurance expert and editor with more than 20 years of personal finance experience. He writes and edits for QuinStreet’s CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, he 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 Nupur Gambhir Nupur Gambhir Nupur is a licensed life, health, and disability insurance agent and an auto and home insurance expert. She has written extensively on insurance topics for QuinStreet’s CarInsurance.com, Insurance.com and Insure.com as well as for Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker and The Financial Gym. | Updated on: March 6, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. There are many good health insurers, but finding the one that best meets your needs takes some time. To help, Insure.com’s editors surveyed consumers 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 coverage and how affordable they thought their carrier’s rates were. We also collected data from the National Committee for Quality Assurance (NCQA), which evaluates and rates health plans, and the National Association of Insurance Commissioners (NAIC), which ranks insurers by the number of customer complaints they receive. We also looked at each health insurer’s AM Best financial stability scores, although those ratings were not used in our overall rankings. Based on that data and other important insurance metrics, we rated the best health insurance companies of 2025 and gave each from one to five stars. The top health insurers are Kaiser Permanente and UnitedHealthcare, which tied for the top spot with 4.17 stars, followed closely behind by Aetna with 4.10 stars and Highmark with 4.02 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 of the 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 health insurance companies and a review of each. What are the best health insurance companies for you in 2025? Insure.com’s best-rated health insurance companies are among the market leaders. The list features well-known names such as Kaiser Permanente, UnitedHealthcare and Aetna. 2025 Rank 2024 Rank Company Overall Ranking Customer Satisfaction Read full review 2025 Rank: 1 (tie) 2024 Rank: 1 Kaiser Permanente Overall rating 4.17 Customer satisfaction rating: 4.11 Kaiser Permanente review 2025 Rank: 1 (tie) 2024 Rank: 4 UnitedHealthcare Overall rating 4.17 Customer satisfaction rating: 4.09 UnitedHealthcare review 2025 Rank: 3 2024 Rank: 10 Aetna Overall rating 4.10 Customer satisfaction rating: 4.07 Aetna review 2025 Rank: 4 2024 Rank: 2 Highmark Overall rating 4.02 Customer satisfaction rating: 4.16 Highmark review 2025 Rank: 5 (tie) 2024 Rank: 8 Elevance Overall rating 3.95 Customer satisfaction rating: 4.20 Elevance review 2025 Rank: 5 (tie) 2024 Rank: 6 Health Care Service Corp. Overall rating 3.95 Customer satisfaction rating: 4.04 Health Care Service Corp. review 2025 Rank: 5 (tie) 2024 Rank: 5 Humana Overall rating 3.95 Customer satisfaction rating: 4.15 Humana review 2025 Rank: 8 2024 Rank: 13 Cigna Overall rating 3.84 Customer satisfaction rating: 4.13 Cigna review 2025 Rank: 9 2024 Rank: 9 Molina Healthcare Overall rating 3.60 Customer satisfaction rating: 4.24 Molina Healthcare review How we picked Insure.com’s top-rated health insurance companies 65 Carriers reviewed 1,750 Insurance consumers surveyed 65+ Insurance metrics examined 34,600 ZIP codes examined Insure.com in the fall of 2024 surveyed almost 1,500 health insurance consumers. Online market research company Slice MR conducted the survey. Respondents were asked to rank their health insurers in several categories. Based on the number of survey responses, the editors then selected the top companies for evaluation. Insure.com’s editors also gathered National Committee for Quality Assurance scores, National Association of Insurance Commissioners complaint index scores and more to make their final selection of the nation’s best health insurance companies. Some companies that were ranked last year, such as Horizon BCBS of New Jersey, BCBS of North Carolina, BCBS of Michigan, Blue Shield of California and BCBS of Florida didn’t make this year’s list because those companies didn’t generate enough responses in our most recent survey for the editors to do a fair evaluation. The best health insurance companies by category Based on our analysis, we selected the best medical insurance companies for certain situations and needs: Best for price/affordability: Molina Best for customer service: Humana Best for policy offerings: Molina Most likely to be recommended to others: Highmark Most trustworthy: UnitedHealthcare Best for renewals: Molina Best for low deductibles: Molina Best for its provider network: Elevance The top health insurance companies in the U.S. The top health insurers are Kaiser Permanente, UnitedHealthcare, Aetna, Highmark, Elevance, HCSC, Humana, Cigna and Molina. Additional details about all the best health insurance companies of 2025 are below. You can find further information about each insurer by clicking on the “Learn More” button. Kaiser Permanente Kaiser Permanente Overall rating 4.17 Price/Affordability 4.19 NCQA 4.20 Customer satisfaction 4.11 AM Best NR Price/Affordability Customer Satisfaction NCQA AM Best Rating NR Learn More + Add To Compare Learn More About Kaiser Permanente Insurance Kaiser Permanente is tied with UnitedHealthcare for the No. 1 spot in Insure.com’s ranking of the Best Health Insurance Companies for 2025 – earning 4.17 stars out of 5. Kaiser Permanente, one of the nation’s largest not-for-profit health plans, was a top performer in a number of areas. It had one of the highest star rankings – 4.19 out of 5 stars – for affordability and the highest National Committee for Quality Assurance (NCQA) ranking – 4.2 out of 5 stars – of the companies in our ranking. NCQA evaluates healthcare plans on, among other things, member satisfaction. It also received a solid complaint index score from the NAIC, a 0.37. The NAIC market average is 1.0, and anything less indicates the carrier receives fewer complaints than typical for a company its size. UnitedHealthcare UnitedHealthcare Overall rating 4.17 Price/Affordability 4.05 NCQA 3.42 Customer satisfaction 4.09 AM Best A+ Price/Affordability Customer Satisfaction NCQA AM Best Rating A+ Effective date: The effective date indicates when the rating was last confirmed by AM Best. Ratings are subject to change based on financial performance and market conditions. As of date: Mar 03, 2025 For the latest Best's Credit Rating, access AM Best's website. Dec 14, 2023 Learn More + Add To Compare Learn More About UnitedHealthcare Insurance UnitedHealthcare is tied with Kaiser Permanente for the top spot in Insure.com’s ranking of the Best Health Insurance Companies of 2025 with a star rating of 4.17 out of 5. The company is seen as the most trustworthy of the insurers we ranked. The vast majority of its customers plan to renew with the carrier and said they’d recommend the company to others. It also received the second-best NAIC complaint index score of the companies we ranked, a 0.24 – the NAIC market average is 1.0 and anything less indicates the carrier receives fewer complaints than typical for a company its size. The company also was rated A+ (Superior) by AM Best, which measures financial stability, and it received a high National Committee for Quality Assurance rating – 3.42 out of 5 stars. NCQA evaluates healthcare organizations on, among other things, member satisfaction. Aetna Aetna Overall rating 4.10 Price/Affordability 4.14 NCQA 3.43 Customer satisfaction 4.07 AM Best A Price/Affordability Customer Satisfaction NCQA AM Best Rating A Effective date: The effective date indicates when the rating was last confirmed by AM Best. Ratings are subject to change based on financial performance and market conditions. As of date: Mar 03, 2025 For the latest Best's Credit Rating, access AM Best's website. Aug 14, 2024 Learn More + Add To Compare Learn More About Aetna Insurance Aetna is No. 3 in Insure.com’s ranking of the Best Health Insurance Companies of 2025. It earned 4.10 stars out of a possible 5. The company, which is part of CVS Health, ranked highly in a number of survey categories, including affordability and its provider network. It received one of the best NAIC complaint index scores of the companies we ranked, a 0.26 – the average is 1.0 and anything less indicates the company receives fewer complaints than expected. Aetna also has one of the highest National Committee for Quality Assurance star ratings – 3.43 out of 5 – of the companies we ranked. NCQA rates member satisfaction. Highmark Highmark Overall rating 4.02 Price/Affordability 4.06 NCQA 3.70 Customer satisfaction 4.16 AM Best A Price/Affordability Customer Satisfaction NCQA AM Best Rating A Effective date: The effective date indicates when the rating was last confirmed by AM Best. Ratings are subject to change based on financial performance and market conditions. As of date: Mar 03, 2025 For the latest Best's Credit Rating, access AM Best's website. Nov 20, 2024 Learn More + Add To Compare Learn More About Highmark Insurance Highmark is No. 4 on Insure.com’s Best Health Insurance Companies list, earning 4.02 stars out of 5. In our study of the top health insurance companies, Highmark earned an overall customer satisfaction score of 4.16 out of 5 stars, the third-highest rating of the companies we ranked. In our survey of insurance consumers, Highmark ranked highly in the categories of policy offerings, low deductibles and ease of accessing policy documents. Of special note: All Highmark customers who took our survey said they would recommend the insurer to others. Elevance Elevance Overall rating 3.95 Price/Affordability 4.22 NCQA 3.41 Customer satisfaction 4.20 AM Best A Price/Affordability Customer Satisfaction NCQA AM Best Rating A Effective date: The effective date indicates when the rating was last confirmed by AM Best. Ratings are subject to change based on financial performance and market conditions. As of date: Mar 03, 2025 For the latest Best's Credit Rating, access AM Best's website. Dec 11, 2024 Learn More + Add To Compare Learn More About Elevance Insurance Elevance is tied for fifth, along with Health Care Service Corp. and Humana, on Insure.com’s list of the Best Health Insurance Companies for 2025 with a star rating of 3.95 out of 5 stars. The company is rated highly for customer satisfaction and affordability. Elevance also scored extremely well for the number of preferred providers it has available – it was the top-rated company in this category. HCSC Health Care Service Corp. Overall rating 3.95 Price/Affordability 3.77 NCQA 3.25 Customer satisfaction 4.04 AM Best A+ Price/Affordability Customer Satisfaction NCQA AM Best Rating A+ Effective date: The effective date indicates when the rating was last confirmed by AM Best. Ratings are subject to change based on financial performance and market conditions. As of date: Mar 03, 2025 For the latest Best's Credit Rating, access AM Best's website. Oct 31, 2024 Learn More + Add To Compare Learn More About Health Care Service Corp. Insurance Health Care Service Corp. is tied with Elevance and Humana for the fifth spot on Insure.com’s Best Health Insurance Companies list. It earned 3.95 out of 5 stars in our ranking. HCSC was rated highly for its customer service. Most of its customers who responded to our survey said they planned to renew their policies (89%) and recommend the company to others (92%). Humana Humana Overall rating 3.95 Price/Affordability 4.15 NCQA 2.75 Customer satisfaction 4.15 AM Best A Price/Affordability Customer Satisfaction NCQA AM Best Rating A Effective date: The effective date indicates when the rating was last confirmed by AM Best. Ratings are subject to change based on financial performance and market conditions. As of date: Mar 03, 2025 For the latest Best's Credit Rating, access AM Best's website. Dec 05, 2024 Learn More + Add To Compare Learn More About Humana Insurance Humana is tied for fifth in Insure.com’s 2025 Best Health Insurance Companies, along with Elevance and HCSC. Humana earned 3.95 stars out of 5. The for-profit company, which offers coverage nationwide, received high marks for its customer satisfaction, affordability and policy offerings. It also received the best NAIC complaint index score of the companies we ranked, a 0.15 – the NAIC market average is 1.0 and anything less indicates the company receives fewer complaints than average. In addition, of the customers we surveyed, 85% said they trust the company – the second-best score in this category. Cigna Cigna Overall rating 3.84 Price/Affordability 3.96 NCQA 3.24 Customer satisfaction 4.13 AM Best A Price/Affordability Customer Satisfaction NCQA AM Best Rating A Effective date: The effective date indicates when the rating was last confirmed by AM Best. Ratings are subject to change based on financial performance and market conditions. As of date: Mar 03, 2025 For the latest Best's Credit Rating, access AM Best's website. Apr 25, 2024 Learn More + Add To Compare Learn More About Cigna Insurance Cigna is No. 8 in Insure.com’s list of the Best Health Insurance Companies for 2025, earning 3.84 stars out of 5. Cigna is a good health insurer for people who want access to a big provider network and strong integration with pharmacy benefits. The company has a rating of 3.24 out of 5 stars from the National Committee for Quality Assurance. Molina Molina Healthcare Overall rating 3.60 Price/Affordability 4.54 NCQA 2.50 Customer satisfaction 4.24 AM Best NR Price/Affordability Customer Satisfaction NCQA AM Best Rating NR Learn More + Add To Compare Learn More About Molina Healthcare Insurance Molina ranks No. 9 in Insure.com’s list of the Best Health Insurance Companies for 2025 with a rating of 3.6 out of 5 stars. Molina gets high marks for affordability and customer satisfaction. The vast majority of customers we surveyed said they would renew their policies with the company. 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 price/affordability Price is a key determining factor in choosing a health insurance company. Below are the companies that rated highest for price and affordability. But remember, the cheapest health plan might not always be the best. There are other factors to consider, such as a provider’s network and its overall customer satisfaction rankings. Company Price/Affordability Stars Molina 4.54 Elevance 4.22 Kaiser Permanente 4.19 Best health insurance companies for customer satisfaction Customer satisfaction was one of the more important factors in our health insurance ranking. Molina was the top-ranked company in this category, although Elevance and Highmark also did well. Company Customer Satisfaction Stars Molina 4.24 Elevance 4.20 Highmark 4.16 Best health insurance companies for policy offerings Some companies offer more policy options than others – pharmacy plans, student plans, etc. Molina took the top spot, followed by Elevance. Company Percent of Customers Satisfied Molina 92% Elevance 88% Humana 86% Most recommended health insurance company Most insurers in our survey scored strongly when it comes to customers who would recommend the company to others, but none more so than Highmark. All of its customers who answered our survey said they would tell others about it. Company Percent of Customers Who Would Recommend Highmark 100% UnitedHealthcare 94% HCSC 92% How to get the best health insurance Finding the best health insurance isn’t easy — there are multiple factors to consider 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 choice. 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. Does a particular plan cover the ones you need, 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 2024 surveyed more than 1,750 insurance consumers (almost 1,500 of which had health insurance). The survey was conducted by online market research company Slice MR. Respondents were asked to name their health insurer and then grade it in a number of categories, including: Customer satisfaction Ease of service Policy offerings The cost of insurance/affordability Low deductible Preferred providers available Not needing a referral The percentage of respondents who said they were satisfied or very satisfied with their insurer is presented in the results. We then asked respondents to provide a yes or no response to indicate their agreement with the following statements: I plan to keep my coverage with my current health insurance company I would recommend my health insurance company to others I trust my health insurance company The percentage of respondents who said yes 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. They then collected data from the National Committee for Quality Assurance (NCQA), which evaluates and rates health plans, and National Association of Insurance Commissioners’ complaint data, which ranks a company by the number of customer complaints it receives. The Insure.com team identified the NAIC codes of each underwriting company for each carrier and calculated a weighted average complaint index, weighted by the annual written premium. The associated NAIC complaint index score was used in the calculations. 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 life insurers, we took the following and gave each a weight. Survey: 60% of the total score (10% customer satisfaction, 10% recommended, 10% policy retention, 10% trust, and 20% affordability) NCQA: 25% of total score NAIC: 15% of total score Each insurer was awarded between half a star and 5 stars. No company in the ranking received less than half a star in any category, and 5 stars was the most any insurer could receive. ZIP Code Please enter valid ZIP See rates