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Best Health Insurance in United States

11 insurers ranked and reviewed · Updated May 2026

Sources:J.D. PowerNCQA (National Committee for Quality Assurance)AM BestInsure.com

Healthcare System Overview

The US has a mixed public-private health insurance system. Most working-age Americans obtain coverage through employer-sponsored plans or the ACA (Affordable Care Act) marketplace, while government programs — Medicare (65+/disabled) and Medicaid (low-income) — cover roughly 150 million people. Unlike most developed nations, there is no universal public health insurance; approximately 26 million Americans remain uninsured.

#1

Health Care Service Corporation (HCSC)

Health Care Service Corporation

private17.0M members
90Score
AM Best: A+ (Superior)(2025)
★★★☆☆3.7satisfactionFinancial strength: A+ (Superior)

Am Best Rating

A+ (Superior)

Network Size

BCBS network across 5 states

Structure

Customer-owned (mutual), not publicly traded

  • Largest customer-owned (mutual) health insurer in the US
  • Operates BCBS plans in Illinois, Montana, New Mexico, Oklahoma, and Texas
  • Profits reinvested for members (not-for-profit structure)
  • Superior AM Best financial strength rating (A+)
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#2

Kaiser Permanente

private12.7M members
90Score
J.D. Power: #1 in Multiple Regions(2025)Insure.com: #1 Best Health Insurer (6 years running)(2026)NCQA: Top-Rated Nationally(2026)
★★★★☆4.5satisfaction

Jd Power Score

#1 in California (18 consecutive years)

Network Size

39 hospitals, 700+ medical offices (closed network)

Insure Dot Com Rank

#1 (6th consecutive year)

  • Unique integrated care model: insurance + hospitals + physicians under one roof
  • Owns and operates 39 hospitals and 700+ medical offices
  • Highest customer satisfaction (4.59/5) among major US insurers
  • Pioneer in electronic health records and preventive care
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#3

Humana

Humana Inc.

private17.0M members
85Score
AM Best: A (Excellent)(2025)Insure.com: #2 Best Health Insurer 2026(2026)
★★★★☆4.4satisfactionFinancial strength: A (Excellent)

Am Best Rating

A (Excellent)

Jd Power Score

Above average for Medicare plans

Network Size

CenterWell clinics + broad network

  • Dominant Medicare Advantage player (17% market share)
  • CenterWell Health primary care clinics and home health services
  • Strong focus on senior/aging population healthcare
  • Value-based care approach for better health outcomes
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#4

Aetna (CVS Health)

Aetna

private37.0M members
82Score
AM Best: A (Excellent)(2025)NCQA: 81% of MA in 4+ Star Plans(2026)
★★★☆☆3.8satisfactionFinancial strength: A (Excellent)

Am Best Rating

A (Excellent)

Jd Power Score

Above average

Network Size

Broad national network + CVS retail clinics

  • Unique CVS pharmacy + MinuteClinic retail health integration
  • One of the oldest health insurers in America (founded 1853)
  • Strong Medicare Advantage performance (81% in 4+ star plans)
  • Pharmacy benefits management through CVS Caremark
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#5

Florida Blue (GuideWell)

Florida Blue

private6.0M members
80Score
AM Best: Strong Ratings(2025)
★★★☆☆3.7satisfaction

Am Best Rating

Strong ratings

Network Size

Dominant in Florida + GuideWell national reach

Structure

Non-profit BCBS licensee

  • Largest health insurer in Florida
  • BCBS licensee for the state of Florida
  • Physical Florida Blue Centers for in-person customer service and wellness
  • Strong ACA marketplace presence in Florida
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#6

Elevance Health (Anthem BCBS)

Elevance Health

private45.0M members
80Score
AM Best: A (Excellent)(2025)NCQA: Strong MA Star Ratings(2026)
★★★☆☆3.7satisfactionFinancial strength: A (Excellent)

Am Best Rating

A (Excellent)

Jd Power Score

Above average in several regions

Network Size

BCBS network across 14+ states

  • Largest Blue Cross Blue Shield licensee in the US
  • BCBS brand recognition with wide provider networks
  • Carelon division for pharmacy, behavioral health, and palliative care
  • 53% of Medicare Advantage members in 4+ star plans for 2026
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#7

UnitedHealthcare

private47.0M members
80Score
AM Best: A (Excellent)(2025)NCQA: 3.5-4.5 Stars(2026)
★★★☆☆3.5satisfactionFinancial strength: A (Excellent)

Am Best Rating

A (Excellent)

Jd Power Score

Mid-tier regionally

Network Size

Largest provider network in the US

  • Largest provider network in the United States
  • Plans across all segments: employer, individual, Medicare Advantage, Medicaid
  • Integrated Optum services (pharmacy benefits, behavioral health, analytics)
  • Strong digital health tools and telehealth via Optum
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#8

Cigna Healthcare

private19.0M members
74.2Score
AM Best: A (Excellent)(2025)J.D. Power: #1 Digital Experience(2025)
★★★☆☆3.9satisfactionFinancial strength: A (Excellent)

Am Best Rating

A (Excellent)

Jd Power Score

#1 Digital Experience (683/1000)

Network Size

Global network in 30+ countries

  • Global health services in 30+ countries
  • #1 ranked digital experience among US commercial health plans
  • Evernorth Health Services (pharmacy benefits, behavioral health, care delivery)
  • Strong employer-sponsored and international plan options
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#9

Highmark Health

Highmark Inc.

private7.1M members
70Score
AM Best: Credit Ratings Affirmed(2025)
★★★☆☆3.8satisfaction

Network Size

BCBS network + Allegheny Health Network

Structure

Non-profit, integrated with care delivery

Bcbs Rank

5th largest BCBS organization

  • 5th largest BCBS-affiliated organization in the US
  • Integrated with Allegheny Health Network (hospitals and physician practices)
  • Non-profit structure reinvests in community health
  • Living Health model integrating insurance with care delivery
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#10

Molina Healthcare

Molina Healthcare, Inc.

private5.5M members
70Score
NCQA: Recognized for Underserved Communities(2026)
★★★☆☆3.3satisfaction

Network Size

Multi-state Medicaid and Medicare networks

Focus Area

Government-sponsored healthcare for low-income populations

Founded By

Emergency room physician

  • Specializes in government-sponsored healthcare for low-income populations
  • Founded by an emergency room physician to serve the underserved
  • Strong Medicaid and Medicare managed care presence
  • Growing ACA marketplace business
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#11

Centene Corporation

private27.6M members
40Score
AM Best: bb- (Holding Company ICR)(2025)
★★★☆☆3.0satisfactionFinancial strength: bb- (holding company ICR)

Am Best Rating

bb- (holding company ICR)

Network Size

All 50 states via subsidiaries

Market Share

6.7%

  • Largest Medicaid managed care organization in the US
  • Ambetter: one of the most widely available ACA marketplace brands
  • Presence in all 50 states through subsidiaries
  • WellCare subsidiary for Medicare and Medicaid plans
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About Health Insurance in United States

The US has a mixed public-private health insurance system. Most working-age Americans obtain coverage through employer-sponsored plans or the ACA (Affordable Care Act) marketplace, while government programs — Medicare (65+/disabled) and Medicaid (low-income) — cover roughly 150 million people. Unlike most developed nations, there is no universal public health insurance; approximately 26 million Americans remain uninsured.

Our editorial team has evaluated and ranked the top 11 health insurers in United States based on editorial ratings from trusted sources, customer satisfaction, financial strength, and coverage quality. Rankings are updated regularly to reflect the latest market changes.

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