Choosing the right health insurance can feel overwhelming, especially with rising healthcare costs and so many options out there. As we head into 2025, I’ve looked at the latest rankings from trusted sources like Forbes Advisor, Insure.com, NCQA, and others to highlight the top performers. The “best” really depends on your needs—like affordability, network size, or customer service—but these companies consistently rise to the top based on premiums, satisfaction scores, complaint rates, and quality of care. 0 “A typical health insurance ID card in the USA, showing member details and coverage information.” “LARGE” 1 “An example of a health insurance card, essential for doctor visits and claims.” “LARGE”
1. Kaiser Permanente
If you’re in one of the states where Kaiser operates (like California, Colorado, or Georgia), it’s hard to beat them. They often come out on top for a reason: super low average premiums (around $501 for silver plans), reasonable deductibles, and excellent integrated care—their doctors and hospitals work together seamlessly.
Sources like Forbes Advisor and Investopedia name Kaiser as the overall best for marketplace plans in 2025, thanks to high customer satisfaction and few complaints. NCQA ratings frequently give their plans 4.5-5 stars for quality. The downside? Limited to about 8 states plus D.C.
2. UnitedHealthcare
For nationwide coverage, UnitedHealthcare is a powerhouse. They offer plans in nearly every state, with a massive network of over 1.3 million providers. It’s great if you travel a lot or have family spread out.
Insure.com ties them with Kaiser for the top spot in 2025, praising their reliability and low complaint ratios. They’re strong in employer-sponsored plans too, and J.D. Power studies show solid satisfaction in commercial coverage. Premiums can be higher, but the flexibility makes it worth it for many.
3. Blue Cross Blue Shield (BCBS)
With affiliates in all 50 states, BCBS is the go-to for broad access. No matter where you move, you’re likely covered. They shine in provider choice and often get high marks for member experience.
NerdWallet and MoneyGeek rank BCBS highly for 2025-2026, especially for quality ratings and low denial rates. It’s a network of independent companies, so experiences vary by state, but overall, it’s reliable and often affordable through employers or marketplaces. 5 “Logos of major health insurance companies in the USA, representing top providers like those discussed here.” “LARGE”
4. Aetna (CVS Health)
Aetna stands out for strong customer service and innovative perks, like wellness programs and telehealth. They’re available in most states and integrate well with CVS pharmacies for easy prescriptions.
In 2025 rankings from Insure.com and Investopedia, Aetna grabs third or fourth place with great NCQA scores and low complaints. It’s especially good for Medicare Advantage too.
5. Elevance Health (Anthem)
Formerly known as Anthem in many areas, Elevance offers solid plans with good networks. They’re praised for affordability and a wide range of options.
They tie for high spots in several 2025 lists, including strong provider networks and customer satisfaction.
Other notables include Humana (great for seniors), Cigna (global coverage perks), and regional stars like Highmark or HCSC. 6 “A family visiting their doctor—health insurance helps make these routine check-ups more affordable and accessible.” “LARGE” 7 “Regular doctor visits are key to staying healthy, and good insurance coverage encourages preventive care.” “LARGE”
How to Choose the Best Health Insurance
- Location matters: Check availability in your state via Healthcare.gov or the company’s site.
- Compare quotes: Use the marketplace during open enrollment (November to January) for subsidies.
- Look beyond price: Factor in deductibles, copays, networks, and extras like dental or mental health.
- Read reviews: Sites like NCQA or J.D. Power give real insights into satisfaction.
- Consider your needs: Families might prioritize pediatric care; frequent travelers need broad networks.
Health insurance isn’t one-size-fits-all, but starting with these top-rated companies can give you peace of mind. Shop around, talk to a broker if needed, and pick what fits your budget and health priorities. Stay healthy!