Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Aug 27, 2021

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Depending on where you live, you may have access to many small local companies, but there are only a select few big national companies. Small local companies are more likely to specialize. More importantly, they often have a lower tolerance for risk. This can drive up rates. In states like Hawaii, laws require companies to regulate costs more closely, and the costs of health insurance plans are generally passed onto employers. In states like Hawaii, the local companies are typically part of larger networks like Blue Cross Blue Shield and United Healthcare.

Because it is a highly specialized industry and one that has many guidelines and restrictions, there are only about 35 national health insurance companies that serve the American public, not including Medicare providers. Unfortunately, small companies have a hard time breaking in due to the challenges of balancing high cost patients with healthy patients, especially when you have a limited pool.

To get several free online insurance quotes just type in your zip code now!

Even with this number of providers, there is still healthy competition in the market place. The variety of companies offers consumers a good choice of providers from which to purchase their health insurance. Such diversity ensures that consumers will have an easy time finding a plan and a company to meet their exact needs.

Who Are The Biggest Health Insurance Companies in The United States?

On close inspection, it may seem that there are more than 35 health insurance companies in the United States. But many of the different ones out there are simply divisions of one of the companies listed below, including state-specific divisions. These are some of the more well-known and recognized names in health insurance providers in this country.

  • Blue Cross Blue Shield Association
  • AARP
  • American National Insurance Company
  • Coventry Health Care
  • Fortis
  • Health Net
  • Humana
  • Highmark
  • Kaiser Permanente
  • Molina Healthcare
  • Medical Mutual of Ohio
  • Golden Rule Insurance Company
  • Assurant
  • Unitrin
  • UnitedHealth Group
  • WellPoint

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How Can You Choose between Health Insurance Coverage Options?

In most states, employers will offer you coverage options as long as you meet certain requirements. You can also go through the healthcare marketplace if you have a triggering event or otherwise meet certain standards.  If you are trying to decide amongst the myriad of different health insurance companies that are available to you, you should begin by comparing each health insurance policy they offer and the prices at which they are available. Generally, it will be a short list which can be easily narrowed by factors like price. You can get quotes from multiple different health insurance companies at once by using the free online insurance quotes tool on this page. This third party device feeds your personal information and insurance needs to companies serving the area you live in and in return you get customized quotes.

Once you have the quotes compare them by price and the types of plans and coverage offered. It is important to take the time to learn about the different plans and the advantages and disadvantages of each. This will allow you to make the best choice of a plan that meets your needs and those of your family. The plan that best suits a 20 year old single person is not necessarily the best plan for a 40 year old who is married with kids.

Once you have pared down the health insurance quotes that meet your criteria based on price and types of plans, you will want to look at the company itself more in depth. It makes sense to know about the health insurance company you are planning to do business with in order to feel confident in your coverage.

Check into the financial stability of the insurer by getting their rating from one of the independent insurance ratings companies such as A.M. Best , Standard and Poor’s , Moody’s or Weiss Ratings .

These companies study insurers worldwide and provide a grade based on a variety of factors. The grade gives you a good idea of whether or not they are a solid company that will be around for a while and able to pay out claims that come their way.

In addition you should check out how the insurer treats its customers. You can do so by finding out its customer complaint ratio from your state’s department of insurance. The department may also be able to provide you with information about how the complaints were resolved.

Also you can do a simple online search in order to uncover its customer service practices. Search for complaints or reviews on the company by name to find out what actual customers say about the health insurance company you are considering using. You will find some complaints about every company but pay special attention to companies with high numbers of complaints.

Get a Health Insurance Quote Now

When you are ready to shop around, put the free online insurance quote tool to work for you. All you have to do is enter your zip code and you will be prompted with a variety of questions that insurers need in order to determine your premium. The tool does the rest of the work for you so that you get the quotes you need in no time. The information is presented in an easy to use format to help you expediently compare the data you obtain, so that you can make the best decision possible.

Put an online health insurance quote tool to work for you by entering your zip code now!