The 10 Best And Worst Health Insurance Companies

Choosing a health insurance provider can feel stressful, especially when coverage decisions affect your finances, access to doctors, and long term medical care. I have spent years reviewing policy structures, claim handling patterns, provider networks, and consumer complaint trends to understand how different insurers actually perform once members start using their plans.

So what are the best and worst health insurance companies today? In simple terms, the worst ones tend to struggle with claim approvals, customer service delays, limited networks, and unclear billing. The stronger providers usually offer broader access to doctors, clearer benefits, and more consistent claim handling, even if their premiums are not the cheapest.

This guide breaks down both sides clearly. I start with the poorly rated providers, then move into companies that consistently perform better across real world use. Everything here focuses on legitimate, well known insurers operating in the United States.

10 Poorly Rated Health Insurance Companies

Before diving into individual companies, here is a snapshot comparison of health insurers that frequently receive lower satisfaction scores due to claim issues, network gaps, pricing concerns, or customer service complaints.

Molina Healthcare

Molina Healthcare is a major player in Medicaid and Affordable Care Act marketplace coverage. While the company serves millions of members nationwide, complaints often focus on limited doctor access and long approval timelines.

Many members report difficulty finding specialists within network, especially for mental health services or chronic condition management. Prior authorization requirements can slow treatment, and claim processing may take longer than expected.

For example, a Medicaid patient needing physical therapy might wait weeks for approval, even after a physician recommendation. While Molina remains affordable, the tradeoff is often slower service and fewer provider choices.

Oscar Health

Oscar Health entered the market as a tech focused insurer promising simple digital tools and transparent pricing. While the mobile app and virtual care features appeal to younger buyers, real world coverage has been inconsistent.

The biggest issue is narrow provider networks. In many states, members discover their preferred hospitals or specialists are not included. Some also report billing confusion when telehealth visits are incorrectly coded.

Oscar can work for healthy individuals who rarely need in person care. However, for families or people managing ongoing conditions, the lack of network depth becomes a serious drawback.

Bright Health

Bright Health expanded quickly across ACA marketplaces, then began pulling out of several states after financial losses. Members frequently cite instability as their main concern.

Policyholders have reported plan cancellations, confusing renewal notices, and difficulty continuing care after market exits. Billing disputes and delayed reimbursements have also been common complaints.

When an insurer withdraws from a region, patients often have to switch doctors mid treatment. That disruption alone places Bright Health among the more problematic providers in recent years.

Friday Health Plans

Friday Health Plans followed a similar growth pattern to Bright Health, entering many states with competitively priced marketplace plans before scaling back operations.

Many complaints stem from uncertainty around coverage continuity and customer service availability. Some members experienced claim denials during transition periods, while others struggled to get timely responses from support teams.

Even though pricing was attractive, the operational instability caused frustration for policyholders who needed reliable coverage.

Ambetter

Ambetter operates under Centene Corporation and serves Medicaid and ACA marketplace populations. While it offers affordable premiums, member experiences vary widely by state.

Common concerns include limited specialist access, referral delays, and confusing plan documents. In some regions, finding an in network hospital can be challenging, especially for rural members.

For basic care, Ambetter may be sufficient. However, people with complex medical needs often report better outcomes with insurers offering broader networks.

UnitedHealthcare Short Term Plans

UnitedHealthcare is a strong brand overall, but its short term health plans deserve separate scrutiny. These plans are designed for temporary coverage and do not follow ACA standards.

Many consumers misunderstand what is included. Pre existing conditions are often excluded, preventive care may not be covered, and benefit caps can apply.

Someone switching jobs might buy a short term plan expecting full coverage, only to find hospital stays or prescriptions are partially covered or denied. These plans can be risky if not clearly understood.

Cigna Individual Plans

Cigna performs well in employer sponsored insurance but receives more mixed feedback for individual ACA policies.

Members report premium increases year over year and stricter utilization management. Certain treatments may require repeated documentation, delaying care.

While the provider network is generally solid, the administrative burden can frustrate individuals managing ongoing treatment plans.

Kaiser Permanente (Some Regions)

Kaiser Permanente offers integrated HMO coverage that works very well for some members. However, the model has limitations.

Care is usually restricted to Kaiser facilities and physicians. Out of network coverage is minimal or nonexistent except for emergencies.

If you move or need specialized care outside Kaiser’s system, access can become difficult. For members who value flexibility, this structure can feel restrictive.

Aetna CVS ACA Plans

Aetna, now owned by CVS Health, offers ACA marketplace plans in many states. Coordination between medical and pharmacy benefits is supposed to be a strength, but execution has been inconsistent.

Members report prescription coverage confusion, especially when switching pharmacies or medications. Prior authorizations may involve both Aetna and CVS processes, adding complexity.

When everything aligns, care can be affordable. When it does not, administrative delays become common complaints.

Health Net

Health Net operates primarily in western states, serving Medicaid, Medicare, and marketplace enrollees.

Customer service responsiveness is a recurring issue. Members report long hold times and inconsistent answers from representatives.

While provider networks can be adequate in urban areas, rural access remains a challenge. These issues keep Health Net among lower rated insurers for overall satisfaction.

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10 Better Rated Health Insurance Companies

Not all health insurers struggle. Some consistently earn higher satisfaction due to strong provider access, clearer policies, and dependable claims handling.

Blue Cross Blue Shield

Blue Cross Blue Shield operates as a federation of regional insurers, offering some of the broadest networks in the country.

Members benefit from nationwide provider access, which is valuable for people who travel or live in multiple states during the year. PPO options allow flexibility without referrals.

Claims are generally processed smoothly, and coverage terms are easier to understand than many competitors.

UnitedHealthcare Employer Plans

UnitedHealthcare performs significantly better in employer sponsored coverage than in individual short term products.

Large networks, employer negotiated pricing, and streamlined claims systems contribute to higher satisfaction. Employees often have access to wellness programs and care coordination services.

For workers in mid to large companies, UnitedHealthcare remains a reliable option.

Aetna Employer Plans

Aetna’s employer plans typically offer comprehensive coverage with strong hospital and specialist access.

Preventive care programs, chronic disease management, and integrated pharmacy benefits improve outcomes. Administrative processes are more efficient compared to individual plans.

Employees often report fewer claim disputes and faster approvals.

Cigna Employer Plans

Cigna excels in global and corporate insurance markets. Employer plans offer broad provider networks and strong customer support.

Cigna’s care management programs help members with diabetes, heart disease, and behavioral health needs navigate treatment.

International employees benefit from cross border coverage options.

Humana

Humana is particularly strong in Medicare Advantage plans. Seniors often praise its supplemental benefits, including dental, vision, and wellness programs.

Care coordination and preventive outreach help reduce hospitalizations. Claims handling tends to be consistent, and provider networks are robust.

Humana remains a top choice for retirees seeking comprehensive senior focused coverage.

Kaiser Permanente (Top Regions)

In regions where Kaiser’s system is well established, member satisfaction is high.

Integrated electronic records, coordinated care teams, and predictable costs work well for patients managing chronic conditions.

For members comfortable staying within the Kaiser network, care delivery is often smooth and efficient.

Anthem

Anthem, part of the Blue Cross Blue Shield network, offers both PPO and HMO plans with wide provider access.

Employer and individual plans benefit from strong hospital partnerships and digital tools for claims and benefits tracking.

Anthem balances flexibility and coverage depth better than many competitors.

Highmark

Highmark dominates certain regional markets, especially in the Northeast.

Its strong local provider relationships improve access and care continuity. Member support teams are familiar with regional healthcare systems.

This regional focus results in higher satisfaction scores.

Harvard Pilgrim

Harvard Pilgrim operates as a nonprofit insurer with a strong emphasis on preventive care and transparency.

Members appreciate clear policy documents and responsive support. The provider network is well developed in New England.

The nonprofit structure often aligns incentives toward patient outcomes rather than cost cutting.

Geisinger Health Plan

Geisinger combines insurance with an integrated healthcare system, similar to Kaiser but on a regional scale.

Chronic disease management programs are a standout feature. Patients with diabetes or heart conditions often see better coordinated care.

The close alignment between doctors and insurers improves treatment consistency.

Conclusion

The difference between the best and worst health insurance companies usually comes down to network access, claims handling, and communication. Lower rated insurers often rely on low premiums while limiting provider options and increasing administrative hurdles. Higher performing companies invest in broader networks, clearer policies, and better care coordination.

When choosing coverage, I always recommend looking beyond monthly costs. Consider how often you see specialists, whether your doctors are in network, and how complex your medical needs are. The right insurer is not just about saving money upfront, but about avoiding stress and delays when care actually matters.

Explore: The 10 Best And Worst Long Term Care Insurance Companies

Frequently Asked Questions

How can I check if my doctor and hospital are actually in an insurance network before enrolling?

The safest way is to verify directly with both the insurer and the provider. Insurance company directories are often outdated, especially on marketplace plans. I recommend calling your doctor’s office and asking which specific plan names they accept, not just the insurer brand. You can also request the plan’s Summary of Benefits and Coverage and look for network tier details, since some plans include multiple network levels with different costs.

Why do some health insurance plans deny claims even when the service seems covered?

Claim denials usually happen due to technical reasons rather than the service itself. Common causes include missing prior authorization, incorrect billing codes, or the provider being out of network for that specific plan. For example, a hospital may be in network, but the anesthesiologist might not be. Understanding how claims are coded and confirming approvals in advance can prevent many of these issues.

Are low premium health insurance plans always a bad choice?

Not necessarily, but they require closer attention. Low monthly premiums often come with higher deductibles, limited networks, or stricter approval rules. These plans may work for people who rarely need care and only want protection against major medical events. If you expect regular prescriptions, specialist visits, or ongoing treatment, the total annual cost can end up much higher than expected.

What should I look at besides price when comparing health insurance companies?

I focus on network size, out of pocket maximums, prescription drug coverage, and how claims are handled. Customer service responsiveness also matters more than people realize. A plan with a slightly higher premium but faster approvals and better provider access can save time, stress, and money over the year, especially during medical emergencies.

How often should I review or change my health insurance provider?

It’s a good idea to review your coverage every year during open enrollment or after major life changes. New doctors, medications, or health conditions can make your current plan less suitable. Insurers also change networks, benefits, and pricing annually, so a plan that worked well last year may not be the best option going forward.