We do not wish to be in an accident or fall sick. However, these things may happen once or twice (or more) in a lifetime and could wreck you financially. The solution to this is enrolling in the best available individual health insurance plan to help cushion the effects.
I know how important it is to choose the right insurance plan. You’d have to consider the different premiums, deductibles, co-pays, out-of-pocket maximums, and exclusions. Now, this could very well be demanding, having to go through so much data if you don’t have a job with health insurance.
That’s why I have compiled the list of the 10 Best Individual Health Insurance Plans for you. Go through this list and choose a plan that works for you.
- Best Individual Health Insurance Plans
- #1. Blue Cross Blue Shield
- #2. UnitedHealthcare
- #3. Kaiser Permanente
- #4. Cigna
- #5. Molina
- #6. Oscar
- #7. Aetna
- #8. Humana
- #9. Health Care Service Corporation (HCSC)
- #10. Agile Health Insurance
- Writer’s Recommendations
Best Individual Health Insurance Plans
Here are the 10 best Individual Health Insurance Plans for you:
#1. Blue Cross Blue Shield
Blue Cross Blue Shield is a body made up of 36 Blue Cross Blue Shield companies, all around the US. Founded in the year 1929, they have built their customer service and provider networks to be one of the largest as they offer health insurance not just in America alone, but also outside of the United States.
Blue Cross Blue offers services to 107 million members which also includes expatriates through the company’s global network. They have a widespread network that’s made up of 95% of doctors and specialists and 96% of the hospitals in the country.
However, the products the Blue Cross Blue Shield may provide is dependent on the state. Products like discounts on health and wellness programs such as fitness products and gym memberships through Blue365.
You can apply for one of the best individual health insurance plans through the local Blue Cross Blue Shield company’s website or signup through the health insurance exchange in your state or Healthcare.gov.
The 36 different companies do not all offer their services at the same price. So, the prices may differ by plan type, age, location, size of the family, and tobacco use.
- Strong company reputation
- Large provider network
- Data-driven to improve quality and affordability
- Member experience may differ by region
- Complaints about claim denials
Founded in 1977, UnitedHealthcare now offers a broad network that covers all 50 states with the finest group of healthcare providers.
The UnitedHealthcare is a sub-division of the UnitedHealth Group with a top-notch use of technology making them the providers of more efficient and affordable healthcare.
In addition to health insurance, the company offers other products like short-term insurance, vision, dental, Medicare, Medicaid, and supplemental coverage with benefits in all 50 states in the United States and 130 countries.
They have in their employ, about 1.3 million physicians and other healthcare providers and over 6,500 hospitals.
To get a quote and apply for health insurance you can go through the company’s website either through your state’s exchange, by phone, or Healthcare.gov. Now, the prices of UnitedHealthcare plan differ by age, your family size, plan type, state, and whether you smoke.
They offer robust mental health and substance abuse coverage with over 10,000 providers of virtual mental healthcare services.
As one of the best individual health insurance providers, they offer the most widespread network thereby making it easier to get the best, and affordable health insurance plan available.
- A large network of providers
- Easy to get an online quote
- Robust healthcare technology
- No coverage for preexisting conditions
- Past issues with behavioral coverage
#3. Kaiser Permanente
Kaiser Permanente offers one of the best individual insurance plans for preventive care. This way, you are more likely to save money and time and stay healthy. Kaiser Permanente was established in 1945 and has thus far built a strong reputation for themselves.
However, they’ve been subject to several state sanctions for holding back on behavioral healthcare. Apparently, some of their members were not able to get healthcare at the end of 2019.
The company provides health insurance services for 12.4 million members in 39 hospitals with 715 medical officers, 23,271 physicians, and 63,306 nurses in just 9 states – California, Colorado, Georgia, Hawaii, Maryland, Oregon, Virginia, Washington DC, and Washington.
Depending on where you stay, you may have access to both eligible and catastrophic plans which would include Medicare, Medicaid, high-deductible health plans, health savings account.
To get a quote or to apply for coverage, go through the company’s website. However, for financial assistance, go through your state’s exchange or Healthcare.gov.
Similarly, the prices of the services will differ by your location, tobacco use, plan type, your age, and family size.
However, if you intend to save some money that would have otherwise been used for medical bills, the company provides a record-keeping system of reminders that make it easier to catch the early stages of a disease like Cancer.
- Strong company reputation
- Emphasis on preventative care
- Health savings account access
- Coverage in only nine states
- Limited network
- Issues with behavioral healthcare
This is the best individual health insurance for people that do not have so much time on their hands as they provide options for no-cost virtual care. They also provide options for virtual behavioral and mental healthcare.
Cigna is one of the oldest health insurance companies established in 1792. They offer coverage to over 180 million customers in 30 countries, including 1.5 million providers and facilities. Cigna works with over 67,000 pharmacies, 500 hospitals, and 175,000 mental and behavioral health providers in the United States.
However, they offer individual plans in just 10 states – Arizona, Colorado, Florida, Illinois, Missouri, North Carolina, Tennessee, Utah, and Virginia.
You may be able to gain access to Cigna’s other products like Medicare, Medicare supplemental plans, dental insurance, vision insurance, or international health insurance. And, you can buy coverage online, through your state exchange, by phone, or at Healthcare.gov.
And, the prices would differ by your location, tobacco use, plan type, your age, and family size.
- Solid company reputation
- Virtual services and prescription delivery
- Expansive provider network
- Not available in all states
- Limited transparency on the company’s website
- Low ConsumerAffairs reviews
Molina Healthcare is a health insurance company that focuses on individuals receiving government assistance. Founded in 1980, they offer plans for Medicaid, Medicare, Integrated Medicaid/Medicare.
Molina provides Medicaid and Medicare plans in California, Florida, Illinois, Michigan, Mississippi, New Mexico, New York, Ohio, Puerto Rico, South Carolina, Texas, Utah, Washington, and Wisconsin to over 3.6 million members.
To get quotes and apply, go through the company’s website, your state’s healthcare exchange, their support team, or Healthcare.gov.
Molina healthcare places emphasis on providing the best, inexpensive individual healthcare for lower-income families. So, if you are hard up for cash, you may be eligible for Medicaid. This would give you access to thorough healthcare benefits through Molina. Older people could also benefit from these plans.
- Access to clinics
- Preventative care programs
- Wellness programs
- Operates in underserved areas
- Limited availability
With Oscar, you have access to amazing benefits like a chance to talk with a doctor 24/7 or refill a prescription through the company’s mobile app. You may also call their support team from Monday through Friday from 9:00 a.m. to 8:00 p.m. EST.
Despite been one of the newest health insurance companies, they have carved a spot for themselves with their unique approach to customer service to their 420,000 members since their inception in 2012.
Though they only provide coverage in Alaska, Arizona, California, Colorado, Florida, Georgia, Iowa, Kansas, Michigan, Missouri, New Jersey, New York, North Carolina, Ohio, Oklahoma, Pennsylvania, Tennessee, Texas, and Virginia; they look to expand their reach across more states by 2021.
To signup or get a quote, go through Oscar’s website, by phone, your state’s exchange, or Healthcare.gov. However, the price would differ by your location, tobacco use, plan type, your age, and family size.
They offer free, unlimited, 27/4 access to a healthcare provider through Oscar’s Doctor on Call features. Also, if you have inquiries, The Concierge offers the services of a trained and dedicated team of guides and nurses to answer them thoroughly.
These two features can be accessed via Oscar’s mobile app together with access to your records, lab results, deductibles, and more.
So, if you’re looking for the best individual health insurance plan with great customer service, Oscar may be worth a look.
- Personalized health coverage
- Member benefits
- Access to Medicare plans
- Limited availability
- Relatively high cost as compared to competitors
Aetna offers different levels of health insurance plans to members. They still try to improve the user-friendliness of their site as you can now schedule appointments, find new doctors or specialists, print your medical ID card from your Aetna account.
Also, they offer an app that works with iPhone, Android, and the Apple Watch to help you set your health and fitness goals, and work toward achieving them.
So, if you’re searching for one of the best individual health insurance plans, for a tech-savvy person, Aetna is a great choice.
- HSA plans
- Relatively low costs
- Coverage nationwide
- Access to wellness programs
- Fewer short-term policies than competitors
- Website isn’t always easy to navigate
Most senior citizens have access to free or cheap medicare from the federal government. However, selecting a medicare advantage plan from a private company like Humana could be an added advantage.
For the most part, the original medicare plans do not cover everything and that’s where Humana comes in.
They offer unique and cheap medicare advantage plans to provide more coverage than original medicare. Most of their monthly premium options and plans are free and offer zero cost deductibles.
Also, an extensive prescription drug plan can be added to your Medicare Advantage plan for as low as $13 every month. This is surely one of the best health insurance plans for individuals close to 65 years.
- Unique plans with extra benefits such as dental, vision, and SilverSneakers
- HumanaFirst 24-hour nurse hotline
- The easy online application process with fast approval
- Discount program for health items such as contact lenses, prescription, and over-the-counter medications, as well as massage therapy.
- Premiums are higher than average in some areas
- Higher than average number of customer service complaints in some areas
#9. Health Care Service Corporation (HCSC)
Health Care Service Corporation, a Mutual Legal Reserve Company (HCSC), and an Independent Licensee of the Blue Cross and Blue Shield Association is the largest customer-owned health insurer in the United States.
The company, founded in 1936, serves more than 16 million members across five states – Illinois, Montana, New Mexico, Oklahoma, and Texas; and employs more than 24,000 people in over 60 local offices.
HCSC affiliates and subsidiaries such as Dearborn Group®, Medecision, and Dental Network of America offer group life, disability, and dental solutions, as well as a range of the best individual health insurance plans for HMO options.
Their health plans were the first in their states to provide coverage for several procedures — ranging from heart and bone marrow transplants to cancer and leukemia treatments.
- Wellness programs
- Low-cost HMOs
- Online tool
- Limited availability
- Coverage might be limited
#10. Agile Health Insurance
Agile provides one of the best short-term health insurance plans for members. Short-term health insurance is a temporary program that offers limited benefits.
Low-income families will really appreciate these sort of plans as they are affordable and can fill in the coverage void even though it’s not permanent.
Agile Health Insurance is not quite a full health insurance company since it doesn’t provide coverage in any part of the country. However, they are a tool that makes online searches to compare and contrast the several options for short-term coverage very seamless.
You’d only need to enter your name, date of birth, email address, and phone number to start the comparisons between quotes. As soon as you find what works for you, click to make payment for your first premium and get coverage in as quick as 10 minutes.
- Receive coverage quickly
- Short-term policy
- Premiums are higher than average
- Some long-term conditions, like pregnancy, aren’t covered
You may have to make certain decisions with regards to which health insurance plan would be best for you. Hopefully, this article has shed more light on the best individual insurance plan you can choose from.
Go through their offers, benefits, pros, and cons and choose one health insurance plan.