Find the Right Health Insurance Plan for You
Our team analyzed plans from every major insurer, surveyed thousands of policyholders, and compared real-world claims experiences - so you can get the coverage you need without overpaying.
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Explore our expert reviews and guides across popular categories.
Our Top Picks
Hand-picked by our expert team after extensive testing.
Kaiser Permanente
Kaiser Permanente's integrated care model - where your insurer, hospital, and doctors are all one organization - delivers the highest member satisfaction, lowest out-of-pocket costs, and best preventive care outcomes of any major health plan in the U.S.
Pros
- +Best-in-class preventive care and wellness programs
- +Seamless coordination between doctors, specialists, labs, and pharmacy
- +Excellent mobile app with telehealth, prescription refills, and messaging
- +Lower out-of-pocket costs than most comparable plans
Cons
- −Only available in 8 states plus DC - limited geographic reach
- −Must use Kaiser facilities and doctors - no out-of-network coverage except emergencies
- −Less flexibility in choosing specialists than PPO plans
Blue Cross Blue Shield
Blue Cross Blue Shield operates through 34 independent companies covering all 50 states, offering the largest provider network in American health insurance. With over 1.7 million in-network providers, you'll almost never have trouble finding a covered doctor.
Pros
- +Largest provider network in the country - almost every doctor accepts Blue plans
- +Available everywhere - no matter where you live or move, Blue has plans
- +BlueCard program means your coverage works nationwide for travel
- +Strong PPO options for people who want maximum provider flexibility
Cons
- −Quality and pricing vary significantly between the 34 independent Blue companies
- −Premium pricing is often higher than competitors like Ambetter or Oscar
- −Customer service experience varies by local Blue company
UnitedHealthcare
The largest health insurer in America by enrollment, UnitedHealthcare covers over 50 million people. Their marketplace plans are solid, but they truly shine in employer-sponsored coverage with extensive wellness programs and the powerful Rally health platform.
Pros
- +Broad national network - second only to BCBS in provider coverage
- +Rally health platform gamifies wellness with real financial incentives
- +Virtual-first plan options are among the cheapest marketplace plans available
- +OptumRx pharmacy benefits offer competitive prescription drug pricing
Cons
- −Customer satisfaction scores are average - not as high as Kaiser or BCBS
- −Not available on ACA marketplaces in every state
- −Complex plan structures can be confusing to navigate
Latest Resources
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HMO vs. PPO: Which Plan Type Is Right for You?
The choice between HMO and PPO affects every doctor visit, specialist appointment, and medical bill you'll have this year. Here's how to decide.
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