The term "best" is a subjective term. I don't feel there are any "best" companies since most will pay their claims. A lot depends on the are you live in as far as what plans are offered. United Health Care is one of the largest in the world and is very competitive in most area's. Humana has a good reputation as well as Aetna. Medical Mutual and Blue Cross are also very good. I look at the larger stable companies. There are some smaller companies that are good as well. No company is perfect and you will have complaints from friends and neighbors or the internet about all of them. My favorites would be United Health Care, Anthem Blue Cross (if available in your area) Medical Mutual, and Aetna.
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Indeed, there may be no "right" answer regarding who is the best health insurance company.
It actually depends upon your specific needs. For example, if an HSA was an ideal option for you, perhaps Anthem Blue Cross or UnitedHealthcare would be the best option. Conversely, if you needed copay coverage and you wanted prescription benefits with no deductible, perhaps Medical Mutual or Kaiser may be your best choice.
Ultimately, the "best" health insurance carrier is the company that offers you medical benefits that match your specific needs in your particular part of the state that you live. As you get older, those needs can easily change.
Thus, utilizing an experienced broker and/or their website is a must. You'll be able to choose among quality plans at the lowest available rates.
The Affordable Care Act will also allow you to utilize an "Open Enrollment," which may result in federal tax subsidies that lower your rate.
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It actually depends upon your specific needs. For example, if an HSA was an ideal option for you, perhaps Anthem Blue Cross or UnitedHealthcare would be the best option. Conversely, if you needed copay coverage and you wanted prescription benefits with no deductible, perhaps Medical Mutual or Kaiser may be your best choice.
Ultimately, the "best" health insurance carrier is the company that offers you medical benefits that match your specific needs in your particular part of the state that you live. As you get older, those needs can easily change.
Thus, utilizing an experienced broker and/or their website is a must. You'll be able to choose among quality plans at the lowest available rates.
The Affordable Care Act will also allow you to utilize an "Open Enrollment," which may result in federal tax subsidies that lower your rate.