Not certain where to begin in finding the best medical coverage for you and your family? Here are the Best Health Insurance Companies 2022 to consider as you plan to look for inclusion during open enlistment.

To decide the best health care coverage organizations, our team assessed U.S. insurance agencies on below parameters:

  1. Proposition designs cross country by the number of states they that give inclusion in,
  2. Spans of their supplier organizations, the sorts of plans accessible,
  3. Their beginning rates for doctor and expert copays, and
  4. Their notorieties among offices like A.M. Best (which assesses an organization’s monetary wellbeing) and
  5. Better Business Bureau (which zeros in more on consumer loyalty).

Peruse on to see which suppliers made the rundown in the final list:

Health Insurance Coverage

All health insurance plans sold on the federal marketplace are compliant with the Affordable Care Act (ACA), meaning they cover a set of 10 categories of services. These essential benefits that must be covered include:

  • Outpatient care
  • Emergency services
  • Hospitalization, such as for surgery and/or overnight stays
  • Pregnancy, maternity and newborn care before and after birth
  • Mental health care and substance use disorder services
  • Prescription drugs
  • Rehabilitative and habilitative services and devices for those with disabilities, injuries or chronic conditions
  • Laboratory services
  • Preventative and wellness services, including cervical cancer screening and HIV screening and counseling
  • Pediatric services, including vision and dental care

Outside these essential benefits, what a plan covers will vary, which is why it’s important to read the fine print.

Best Health Insurance Companies 2022:


With affordable copays and nationwide coverage, Aetna easily lands a spot on our list of best health insurance companies of 2021.

Specialist copays in a standard HMO plan begin at $35 and available benefit options include dental, hearing, vision, some holistic care, lifestyle (such as life coaching, counseling and quitting tobacco) and transportation coverage.

Aetna receives an A.M. Best rating of A and a Better Business Bureau (BBB) grade of A+.

The company also includes 5,700 hospitals in its network, and its plans can be purchased through the marketplace, which makes enrollment easy and accessible.

Details :

Coverage Area:

Offers plans in all 50 states and Washington, D.C.

Number of providers in network:

About 1.3 million

Physician copays start at

Avg : $20

Learn more out Aetna here .


A global provider, Cigna maintains relationships with over 180 million patients and customers worldwide. In some states, the company offers provider and specialist copays for as low as $0, and it offers exclusive provider organization (EPO) plans, along with HMO and PPO plans.

Dental coverage is also available, and supplemental insurance policies like cancer treatment insurance and lump sum heart attack and stroke insurance are part of their plan portfolio as well.

Cigna holds an A.M. Best ranking of A.


Coverage area

Offers plans in all 50 states and Washington, D.C.

Number of providers in network

About 1.5 million

Physician copays start at


Read more about Cigna here.

Blue Cross Blue Shield

One of the more popular and established names in health care for 80 years, Blue Cross Blue Shield offers basic plan options with biweekly premiums starting at $68.48 (which comes out to $136.96 a month).

BCBS plan options include health maintenance organization (HMO) plans, preferred provider organization plans (PPO) plans and, for government employees, a Federal Employee Program (FEP).

Coverage across vision, dental, hearing and international care is also available. In some states, holistic care is covered and lifestyle and transportation coverage is an option.

The BCBS network includes over 90% of all providers and hospitals nationwide, and the company has an A+ BBB grade and A.M. Best ranking of A.


Coverage Area

Offers plans in all 50 states and Washington, D.C.

Number of providers in network

About 1.7 million

Physician copays start at


Read more about Blue Cross Blue Shield here


UnitedHealthcare is another key health insurance provider in the U.S., with a hospital network of 6,500 reaching from coast to coast.

In addition to HMO and PPO plans, UnitedHealthcare offers vision coverage, dental coverage, Affordable Care Act (ACA) plans, Medicare options and other supplemental insurance policies to cover events like accidents, hospitalization and even travel.

In some states, specialist copays can be as low as $75.00. The company has an A.M. Best rating of A- and a grade of A+ with BBB.


Coverage Area

Offers plans in all 50 states and Washington, D.C.

Number of providers in network

About 1.3 million

Physician copays start at


Red More about United HealthCare here

Hope you liked our article, do read our other article on “How to choose Best Term Insurance Plans