01★ Best Choice
Blue Cross Blue Shield
Review For Blue Cross Blue Shield
★★★★★★★★★★
4,120 Reviews
Largest nationwide network- Plans in every state
- Strong wellness programs
9.8
Exceptional
★★★★★★★★★★
Best Health Insurance Providers 2026
Compare, review and buy health insurance for 2026
02✓ Best Value
UnitedHealthcare
Review For UnitedHealthcare
★★★★★★★★★★
2,890 Reviews- Huge provider network
- Top-rated mobile app
- Virtual care included
9.6
Exceptional
★★★★★★★★★★
03
Kaiser Permanente
Review For Kaiser Permanente
★★★★★★★★★★
2,140 Reviews- Integrated care model
- High member satisfaction
- Coordinated doctors & pharmacy
9.4
Excellent
★★★★★★★★★★
04
Cigna
Review For Cigna
★★★★★★★★★★
1,560 Reviews- 24/7 virtual care
- Global coverage options
- Wellness incentives
9.1
Excellent
★★★★★★★★★★
05
Aetna
Review For Aetna
★★★★★★★★★★
1,080 Reviews- CVS MinuteClinic access
- Attain wellness rewards
- Wide plan selection
8.8
Great
★★★★★★★★★★
06
Oscar
Review For Oscar
★★★★★★★★★★
760 Reviews- Free 24/7 telemedicine
- Simple, modern app
- Care concierge team
8.5
Great
★★★★★★★★★★
Compare Featurestop picks
| Product | Blue Cross Blue Shield 9.8 | UnitedHealthcare 9.6 | Kaiser Permanente 9.4 | Cigna 9.1 | Aetna 8.8 |
|---|---|---|---|---|---|
| Highlights | Largest nationwide network · Plans in every state · Strong wellness programs | Huge provider network · Top-rated mobile app · Virtual care included | Integrated care model · High member satisfaction · Coordinated doctors & pharmacy | 24/7 virtual care · Global coverage options · Wellness incentives | CVS MinuteClinic access · Attain wellness rewards · Wide plan selection |
Our Rating System
Our reviews come from verified users–just like you!
The star ratings are based on the overall rating of each brand. Some reviews are provided via third party suppliers. We encourage you to write a review of your experiences with these brands.
Buying Guide
Our recommendation
Short on time? For most people, Blue Cross Blue Shield is our #1 health insurance pick — it ranks highest overall on features, value and customer satisfaction. If you want the best value, UnitedHealthcare is our runner-up and a smart choice for tighter budgets. Start with these two and you really can't go wrong.
How to choose the best health insurance
With so many health insurance options out there, the right choice comes down to four things: the features and coverage you actually get, the price, how dependable the provider is, and what real customers say. We weighed all four to build the ranking above, so you can shortlist in minutes instead of hours.
Our recommendation
For most people, Blue Cross Blue Shield is our #1 pick — it scored highest overall on features, value and customer satisfaction, which is why it tops the list. If you care most about value for money, our Best Value runner-up UnitedHealthcare is an excellent alternative and often the smarter pick for tighter budgets.
Our advice: start with the top two — Blue Cross Blue Shield and UnitedHealthcare — get a quote or trial from each using the links above, and go with whichever fits your needs and budget best. You really can't go wrong with either.
What to look for
- Features & coverage — make sure the essentials you need are actually included, not locked behind add-ons.
- Price & discounts — compare quotes and watch for bundle, loyalty or new-customer discounts.
- Support & claims — fast, fair, 24/7 help matters most exactly when you need it.
- Reputation — check ratings and verified reviews before you commit.
Every option on this list has been vetted by our team, so any of them is a safe choice — but the higher up the ranking, the more confident we are in recommending it.