Best Health Insurance Companies: 2022

Updated on September 21st, 2021

We want to help you make educated healthcare decisions. While this post may have links to lead generation forms, this won’t influence our writing. We adhere to strict editorial standards to provide the most accurate and unbiased information.

If you find yourself diagnosed with an unexpected illness, you want a health insurance company that will provide a high level of care. While no health insurance company is perfect, you can find the best health insurance company for you by considering your needs, wants, and budget. 

Need Help Finding Health Insurance?

Find Affordable Healthcare That’s Right for You


What You Need to Know

Insurers offer different types of insurance plans in different regions of the U.S. and the world. 

An insurer’s history and overview can tell you whether its priorities align with your own.

Check health insurance providers’ financial and customer satisfaction ratings to learn what third parties think of them. 

Ratings provide insight into a company’s financial strength and its reputation with customers. To evaluate insurers’ financial strength ratings, we checked with credit rating provider AM Best.1 For insight into customer service, we looked to the National Committee for Quality Assurance (NCQA — a health plan accreditation company),2 the American Customer Satisfaction Index (ACSI), and rating company J.D. Power. We turned to the National Association of Insurance Commissioners (NAIC) Complaint Index to understand customer complaints. 

One of the largest insurers with many plans to choose from.

Wide variety of plans offered.

Offers group plans, Medicare, Medicaid and international plans

“Larrgest Medicaid Managed Care Organization” in the country

Offers health insurance products in every state.

Vast national network and access to discounts.


UnitedHealth Group

Richard T. Burke founded Minneapolis-based3 UnitedHealth Group in 1977.4 UnitedHealth Group’s mission is “helping people live healthier lives and helping make the health system work better for everyone.” 5 

UnitedHealth Group does business in every state6 through its subsidiaries, UnitedHealthcare and Optum,7 insuring approximately 46 million Americans. The company also ensures another 7.6 million people globally.8

Ratings

  • AM Best: Financial Strength Rating of A.9 The highest rating is A+.10
  • ACSI: 72 out of 10011 in 2020, down from 75 in 2019.12
  • NAIC Complaint Index: In 2020 the highest number of complaints were for claim handling. There were 1,689 complaints on claim handling, with the top reason being ‘denial of a claim.’13
  • NCQA: Scores vary in different regions. UnitedHealth Group plans scored as high as 4.5 out of 5 in Rhode Island and as low as 2.5 out of 5 in Nevada.14 
  • J.D. Power: Scores (on a scale of up to 1,000) vary in different regions. For example, UnitedHealthcare scored 738 in Florida and 690 in Illinois and Indiana.15

Monthly Premium Price

  • $274.28 for a 35-year-old nonsmoking woman in Dallas.16
  • $249.86 for a 35-year-old nonsmoking woman in Atlanta.17
  • $222.55 for a 35-year-old nonsmoking woman in Louisville.18

Insurance Types

Initiatives

UnitedHealth Group’s mental health network has grown 48% in the past three years.31

Kaiser Permanente

Kaiser Permanente opened its doors in 1945 in response to healthcare challenges that grew out of the Great Depression.32 Founders Henry J. Kaiser and Sidney R. Garfield sought an affordable way to provide quality care.33 

Kaiser Permanente operates in the District of Columbia and eight states: California, Colorado, Georgia, Hawaii, Maryland, Oregon, Virginia, and Washington.34 The Oakland, California–based company insures approximately 12.5 million members.35 Kaiser Permanente’s subsidiaries are Kaiser Foundation Health Plan, Inc., Kaiser Foundation Hospitals, and the Permanente Medical Groups.36 

Ratings

  • AM Best: Did not rate Kaiser Permanente. 
  • ACSI: 73 out of 10037 in 2020, down from 77 in 2019.38
  • NAIC Complaint Index: In 2020, the highest number of complaints were for claim handling. There was three claim handling complaints with the top reason being delays in handling the claim.39
  • NCQA: Scores vary by region. Kaiser Permanente scored as high as 5 out of 5 in the Mid-Atlantic region and as low as 4 out of 5 in Georgia.40
  • J.D. Power: Scores (on a scale of up to 1,000) vary in different regions. For example, Kaiser scored 782 in customer satisfaction in California and 739 in Colorado.41

Monthly Premium Price 

  •  $377.72 for a 35-year-old woman in Atlanta.42
  •  $323.56 for a 35-year-old woman in Los Angeles.43 
  •  $379.86 for a 35-year-old woman in Washington, DC.44

Insurance types

  • Under 65 major medical45
  • Group46 
  • Individual47
  • Medicare48
  • Medicaid49

Initiatives

Kaiser Permanente’s charitable health coverage provides financial help if you don’t qualify for Medicaid or can’t afford private coverage. To qualify, you must live in Kaiser's service area and meet certain income requirements.50

Aetna

Founded in 1853 as a life insurance company,51 Aetna today is one of the country’s largest providers of health benefits. Since 2018, the Hartfield, Connecticut–based52 organization has been a subsidiary company of CVS Health Corporation.53 

While Aetna does not offer insurance for individuals and families,54 it offers group plans, such as through your employer,55 as well as Medicare, Medicaid, and international plans.56 The insurer has Medicaid plans in 14 states, primarily in the Northeast and the South.57 Aetna insures approximately 22.1 million members.58

Ratings

  • AM Best: Financial Strength Rating of A.59 The highest rating is A+. 60
  • ACSI: 71 out of 10061 in 2020, down from 76 in 2019.62
  • NAIC Complaint Index: In 2020, the highest number of complaints were for claim handling. There were 37 complaints of claim handling with the top reason being ‘denial of claims.’63
  • NCQA: Scores vary by region. Aetna scored as high as 4 out of 5 in Pennsylvania, Iowa, and Utah, and as low as 2.5 out of 5 in Mississippi and Nevada.64
  • J.D. Power: Scores (on a scale of up to 1,000) vary by region. For example, Aetna scored 749 in Maryland and 718 in Ohio.65

Monthly Premium Price

  • Aetna doesn’t have individual plans.

Insurance Types

  • Group66
  • Medicare67
  • Medicaid68
  • Student Health69
  • International Health Insurance70
  • Dental71
  • Vision72
  • Accident73
  • Critical Illness74
  • Hospital indemnity75

Initiatives 

The Attain by Aetna app helps you work on personalized health goals.76

Centene

Centene Corporation made its mark as a nonprofit Medicaid plan when it was founded in 1984. Today it bills itself as the “largest Medicaid Managed Care Organization” in the United States.77 In addition, it offers health plans for those who don’t qualify for Medicaid.78 

Centene’s subsidiaries include its Health Care Enterprise group and its Envolve family of companies.79 The company, based in St. Louis,80 also insures more than 25 million members in all 50 states.81

Ratings

  • No ratings are available from any of the listed organizations.

Monthly Premium Price

  • $330 for a 35-year-old nonsmoking woman in Dallas.82 
  • $326 for a 35-year-old nonsmoking woman in Atlanta.83
  • $276 for a 35-year-old nonsmoking woman in Chicago.84

Insurance Types

  • Under 65 Major Medical85
  • Individual86
  • Vision87
  • Dental88
  • Medicare89
  • Medicaid90

Initiatives 

Centene provides healthcare services to correctional facilities and government agencies.91

Cigna

Cigna Corporation was formed from two other companies: The Insurance Company of North America (INA), founded in 1792, and the Connecticut General Life Insurance Company, founded in 1865.92 Today the company has a global footprint in more than 30 countries around the world.93

Cigna insures 17 million medical customers globally.94 In addition, Cigna offers health insurance products and services in every state.95 Cigna has several subsidiaries including Cigna Health and Life Insurance Company, Cigna Behavioral Health, and Loyal American Life Insurance Company.96

Ratings

  • AM Best: Financial Strength Rating of A.97 The highest rating is A+.98 
  • ACSI: 71 out of 10099 in 2020, down from 72 in 2019.100
  • NAIC Complaint Index: In 2020, the highest number of complaints were for claim handling. There were 456 complaints about claim handling with the top reason being ‘denial of claims.’101
  • NCQA: Scores vary by region. Cigna scored as high as 4 out of 5 in Colorado, Connecticut, Maine, and Massachusetts, and as low as 2.5 in Nevada, New Mexico, Utah, Indiana, Kentucky, Louisiana, and Mississippi.102
  • J.D. Power: Scores (on a scale of up to 1,000) vary by region. For example, Cigna scored 777 in Virginia and 697 in Colorado.103

Monthly Premium Price

  • $413 for a 35-year-old woman in Chicago.104
  • $427 for a 35-year-old woman in Nashville.105
  • $410 for a 35-year-old woman in Phoenix.106 

Insurance Types

Initiatives

Cigna’s workplace wellness coaching programs offer help for body and mind.116

Blue Cross Blue Shield

Two companies — Blue Cross and Blue Shield — provided healthcare services in the early 1900s. In 1982, they joined to form one giant company, Blue Cross Blue Shield (BCBS).117

With headquarters in Chicago,118 the parent company licenses 35 independent, locally operated companies — including some of the largest healthcare insurers in the U.S., like Anthem and Independence Health Group — to provide BCBS insurance to their customers.119 Through the BCBS network, approximately 110 million consumers in all 50 states have coverage.120

Ratings

  • AM Best: Ratings vary with different licensees. For example, Blue Cross Blue Shield of South Carolina received an A+ rating.121 The highest rating is A+.122 
  • ACSI: 72 out of 100123 in 2020, up from 71 in 2019.124
  • NAIC Complaint Index: In 2020, the highest number of complaints were for claim handling. There were 37 complaints about claim handling with the top reason being ‘denial of claims.’125
  • NCQA: Scores vary by region. Blue Cross Blue Shield scored as high as 4 out of 5 in Minnesota, Michigan, and North Carolina and as low as 3 out of 5 in Georgia and New York.126
  • JD Power: Scores (on a scale of up to 1,000) vary by region. For example, Blue Cross and Blue Shield of Alabama scored 760 and Blue Shield of California scored 716.127

Monthly Premium Price

  • $381.90 for a 35-year-old woman in Dallas.128
  • $476.01 for a 35-year-old woman in Boston.129
  • $341.45 for a 35-year-old woman in Chicago.130

Insurance Types

  • Group131
  • Under-65 Major Medical132
  • Individuals and Families133
  • Global134
  • Medicare135

Initiatives

Blue365 offers discounts on health and wellness products.136

FAQs

When looking for health insurance coverage, check out the company’s background to get an idea of its priorities. Also, look at its financial and customer satisfaction ratings to see what others think of the insurer. Then make sure the company offers the type of coverage that you need. 

How Should You Shop for Health Insurance?

When shopping for a health policy, there are several factors to consider. Your location matters, as health plan offerings differ by state and region. Also, think about how often you intend to use healthcare services. If you have a chronic condition and visit the doctor regularly, you’d likely need a different type of plan than if you only had preventive care appointments. Finally, look at the financial and customer satisfaction ratings to determine the strength of the insurer.

When Can You Buy Health Insurance?

Typically, you can buy a health insurance plan during the open enrollment period, which takes place in the fall, generally, between November 1 and January 15.137 You may also be able to buy health insurance when you have a qualifying life event — for example if you have a baby or get married or divorced.

Know When to Buy

You can buy a health insurance plan during the open enrollment period, which takes place in the fall, generally between November 1 and January 15.

How Does Health Insurance Work?

Health insurance works by allowing you to budget for medical expenses so you don’t have to pay the entire cost out of your own pocket if a medical emergency occurs. You (or your employer) have a set amount to pay either monthly or when you access services through health insurance, and the health insurer pays the rest for covered services. By knowing how much you would be responsible for when accessing health services, you can be more financially prepared when you need care.

How Much Does Health Insurance Cost?

Health insurance consists of several different costs. A health insurance premium is an amount you pay your insurance provider each month, whether you go to the doctor or not.138 A deductible is the amount you pay when you receive covered healthcare services before your insurance kicks in.139 High-deductible plans require you to pay a higher deductible than other types of plans. Coinsurance is a percentage of covered health services that you must pay for while the insurer pays the rest.140 A copayment is a set amount you pay for covered services once your deductible has been reached.141

Health Insurance Shopping Tip

The plan you’ll need depends, in part, on how you use healthcare services. If you have a chronic condition and visit the doctor regularly, you’ll likely need a different type of plan than if you only have preventive care appointments.

Health Plan Terms

When choosing a plan, make sure you understand the terms used to describe various aspects of plans. Here are some of the most common terms:

  • Coinsurance: Coinsurance is the amount you pay for covered healthcare after you pay your deductible. For example, if a company calls for 20% coinsurance on $100, you would pay $20 to the doctor, while the insurance company pays the other $80.
  • Deductible: A deductible is the amount you pay out of pocket before the health insurance company begins to cover claims.
  • EPO: Exclusive provider organization, which allows you to choose your providers within a specific network. You can do so without choosing a primary care physician. However, you may not be able to use the insurance policy with out-of-network providers.
  • HMO: Health maintenance organization, which is a managed care organization that negotiates with healthcare providers for lower prices. Often, HMOs restrict which providers you can use, while you may be assigned primary care doctors, as well as specialists.
  • In-network: Providers who are part of your health insurance company’s network. These providers are cheaper because the providers agree to lower rates with your insurer.  
  • Out-of-network: Healthcare providers that aren’t in your insurance company’s network. You may have to pay more out of pocket if you go out-of-network, or the insurer may not cover any of your costs if you don’t choose an in-network provider.
  • PPO: Preferred provider organization, which is a type of plan where you can choose your providers within a network.  usually need to choose a primary care physician. It offers a little more flexibility than an HMO, and you might still be able to see out-of-network providers (at a higher rate).

Methodology

We selected the health insurance companies with the highest market share and reviewed them by financial strength, customer satisfaction, and other factors, such as factual information on companies, including financials, customer satisfaction, complaints, geographic reach, pricing, and total insureds. 

Next Steps

Choosing the right health insurer is not a decision that should be taken lightly. Take the time to do your research so you can find an insurer — and a plan — that won’t let you down. 

The views and opinions expressed are those of the authors and do not necessarily reflect the official policy or position of HealthCareInsider.com or HealthCare, Inc. 



Share this article

  1. AM Best. “About Us.” ambest.com. Accessed June 15, 2021.

  2. NCQA. “About NCQA” ncqa.org. Accessed June 15, 2021.

  3. UnitedHealth Group. “Contact Us.” unitedhealthcaregroup.com. Accessed June 14, 2021.

  4. Barron’s. “UnitedHealth Group Inc.” barrons.com. Accessed June 14, 2021.

  5. UnitedHealth Group. “Mission & Values.” unitedhealthgroup.com. Accessed June 15, 2021.

  6. UnitedHealthcare. “Health Plans By State.” uhcprovider.com. Accessed June 15, 2021.

  7. UnitedHealth Group. “Our Businesses.” unitedhealthgroup.com. Accessed June 14, 2021.

  8. UnitedHealth Group. “UnitedHealthcare.” Unitedhealthgroup.com. Accessed June 15, 2021.

  9. AM Best. “AM Best Affirms Credit Ratings of UnitedHealth Group Incorporated and Most Subsidiaries; Upgrades Credit Ratings of Certain Subsidiaries.” News release December 18, 2020. Accessed June 15, 2021.

  10. AM Best. “Guide to Best’s Financial Strength Ratings.” ambest.com. Accessed July 7, 2021.

  11. ACSI. “Benchmarks by Industry.” theasci.org. Accessed July 16, 2021.

  12. ACSI. “Benchmarks By Company.” theacsi.org. Accessed June 15, 2021.

  13. NAIC “Results by Complaint Code: UnitedHealthCare Ins Co.” naic.org. Accessed June 15, 2021.

  14. NCQA. “NCQA Health Insurance Plan Ratings 2019-2020 – Summary Report.” Healthinsuranceratings.ncqa.org. Accessed June 15, 2021.

  15. J.D. Power. “Increasing Telehealth Utilization and Digital Contact Help Health Plans Score Points with Members During Pandemic, J.D. Power Finds.” News release May 27, 2021. Accessed July 7, 2021.

  16. UnitedHealthCare. “TriTerm Medical Insurance.” uhone.com. Accessed June 17, 2021.

  17. UnitedHealthCare. “TriTerm Medical Insurance.”

  18. UnitedHealthCare. “TriTerm Medical Insurance.”

  19. UnitedHealthCare. “Find a Health Insurance Plan That Fits You.” uhc.com. Accessed June 15, 2021.

  20. UnitedHealthCare. “Find a Health Insurance Plan That Fits You.”

  21. UnitedHealthCare. “Find a Health Insurance Plan That Fits You.”

  22. UnitedHealthCare. “Find a Health Insurance Plan That Fits You.”

  23. UnitedHealthCare. “Find a Health Insurance Plan That Fits You.”

  24. UnitedHealthCare. “Find a Health Insurance Plan That Fits You.”

  25. UnitedHealthCare. “Find a Health Insurance Plan That Fits You.”

  26. UnitedHealthCare. “Find a Health Insurance Plan That Fits You.”

  27. UnitedHealthCare. “Dental, Vision and Supplemental Plans.” uhc.com. Accessed June 15, 2021.

  28. UnitedHealthCare. “Dental, Vision and Supplemental Plans.”

  29. UnitedHealthCare. “Dental, Vision and Supplemental Plans.”

  30. UnitedHealthCare. “Dental, Vision and Supplemental Plans.”

  31. UnitedHealthCare. “Access more mental health providers.” uhc.com. Accessed June 17, 2021.

  32. Kaiser Permanente. “Our History.” kaiserpermanente.org. Accessed June 15, 2021.

  33. Kaiser Permanente. “Our Founders.” kaiserpermanente.org. Accessed June 15, 2021.

  34. Kaiser Permanente. “While you Travel.” healthy.kaiserpermanente.org. Accessed June 14, 2021.

  35. Kaiser Permanente. “Fast Facts.” kaiserpermanente.org. Accessed June 15, 2021.

  36. Kaiser Permanente. “Fast Facts.”

  37. ACSI. “Benchmarks by Industry.”

  38. ACSI. “Benchmarks by Industry.”

  39. NAIC. “Results by Complaint Code: Kaiser Permanente.” naic.org. Accessed June 16, 2021.

  40. NCQA. “NCQA Health Insurance Plan Ratings 2019-2020 – Summary Report

  41. J.D. Power. “Increasing Telehealth Utilization and Digital Contact Help Health Plans Score Points with Members During Pandemic, J.D. Power Finds.

  42. Kaiser Permanente. “Deductible Silver.” individual-family.kaiserpermanente.org. Accessed June 17, 2021.

  43. Kaiser Permanente. “Deductible Silver.”

  44. Kaiser Permanente. “Deductible Silver.”

  45. Kaiser Permanente. “Shop plans.” healthy.kaiserpermanente.org. Accessed June 16, 2021.

  46. Kaiser Permanente. “Shop plans.”

  47. Kaiser Permanente. “Shop plans.”

  48. Kaiser Permanente. “Shop plans.”

  49. Kaiser Permanente. “Shop plans.”

  50. Kaiser Permanente. “Charitable Health Coverage Program.” charitablehealth.kaiserpermanente.org. Accessed June 17, 2021.

  51. Aetna. “Our history.” aetna.com. Accessed June 16, 2021.

  52. Aetna. “Contact Aetna.” aetna.com. Accessed June 16, 2021.

  53. Aetna. “Our history.”

  54. Aetna. “Medical insurance plans for individuals and families.” aetna.com. Accessed June 16, 2021.

  55. Aetna. “Health insurance through work.” aetna.com. Accessed June 16, 2021.

  56. Aetna. “Medical insurance plans for individuals and families.”

  57. Aetna. “Do you qualify for Medicaid?” aetna.com. Accessed June 16, 2021.

  58. Aetna. “Aetna Facts.” aetna.com. Accessed June 16, 2021.

  59. AM Best. “AM Best Affirms Credit Ratings of CVS Health Corporation’s Aetna Subsidiaries.” News Release December 17, 2020. Accessed June 16, 2021.

  60. AM Best. “Guide to Best’s Financial Strength Ratings.”

  61. ACSI. “Benchmarks by Industry.”

  62. ACSI. “Benchmarks by Industry.”

  63. NAIC. “Results by Complaint Code: Aetna.” naic.org. Accessed June 16, 2021.

  64. NCQA. “NCQA Health Insurance Plan Ratings 2019-2020 – Summary Report.”

  65. J.D. Power. “Increasing Telehealth Utilization and Digital Contact Help Health Plans Score Points with Members During Pandemic, J.D. Power Finds.

  66. Aetna. “Health insurance through work.” aetna.com. Accessed June 17, 2021.

  67. Aetna. “Available Plans.” aetna.com. Accessed June 17, 2021.

  68. Aetna. “Available Plans.”

  69. Aetna. “Available Plans.”

  70. Aetna. “International Health Insurance.” aetnainternational.com. Accessed June 17, 2021.

  71. Aetna. “Dental insurance plans for individuals and families.” aetna.com. Accessed June 17, 2021.

  72. Aetna. “Vision insurance for individuals.” aetna.com. Accessed June 17, 2021.

  73. Aetna. “Supplemental health insurance plans.” aetna.com. Accessed June 17, 2021.

  74. Aetna. “Supplemental health insurance plans.”

  75. Aetna. “Supplemental health insurance plans.”

  76. Aetna. “Health is the Real Win.” attainbyaetna.com. Accessed June 17, 2021.

  77. Centene. “Our History.” centene.com. Accessed June 16, 2021.

  78. Centene. “State & National Solutions.” centene.com. Accessed June 16, 2021.

  79. Centene. “Subsidiaries.” centene.com. Accessed June 16, 2021.

  80. Centene. “Contact Centene.” centene.com. Accessed June 16, 2021.

  81. Centene. “Who We Are.” centene.com. Accessed June 16, 2021.

  82. AmBetter Health. “Ambetter Balanced Care.” Enroll.ambetterhealth.com. Accessed June 17, 2021.

  83. AmBetter Health. “Ambetter Balanced Care.”

  84. AmBetter Health. “Ambetter Balanced Care.”

  85. Centene. “Health Insurance Marketplace.” centene.com. Accessed June 17, 2021.

  86. Centene. “Health Insurance Marketplace.” centene.com

  87. Centene. “Whole Health Solutions.” centene.com. Accessed June 17, 2021.

  88. Centene. “Health Insurance Marketplace.”

  89. Centene. “State & National Solutions.” centene.com. Accessed June 17, 2021.

  90. Centene. “State & National Solutions.”

  91. Centene. “State & National Solutions.”

  92. Cigna. “Cigna Milestones.” cigna.com. Accessed June 16, 2021.

  93. Cigna. “Investor Relations.” cigna.com. Accessed June 16, 2021.

  94. Cigna. “Company Profile.” cigna.com. Accessed June 16, 2021.

  95. Cigna Annual Report. “Principal Products and Services.” cigna.com. Accessed June 16, 2021. Page 29.

  96. Cigna. “Cigna Company Names.” cigna.com. Accessed June 16, 2021.

  97. AM Best. “AM Best Affirms Credit Ratings of Cigna Corporation and Its Subsidiaries.” News Release March 25, 2021. Accessed June 16, 2021.

  98. AM Best. “Guide to Best’s Financial Strength Ratings.”

  99. ACSI. “Benchmarks by Industry.”

  100. ACSI. “Benchmarks by Industry.”

  101. NAIC. “Results by Complaint Code: Cigna.” naic.org. Accessed June 16, 2021.

  102. NCQA. “NCQA Health Insurance Plan Ratings 2019-2020 – Summary Report.”

  103. J.D. Power. “Increasing Telehealth Utilization and Digital Contact Help Health Plans Score Points with Members During Pandemic, J.D. Power Finds.

  104. Cigna. “Cigna Connect 5000-HMO” cigna.healthsherpa.com. Accessed June 17, 2021.

  105. Cigna. “Cigna Connect 7300-EPO.” cigna.healthsherpa.com. Accessed July 12, 2021.

  106. Cigna. “Cigna Connect 5500-HMO.” cigna.healthsherpa.com. Accessed July 12, 2021.

  107. Cigna. “Cigna Insurance Plans and Coverage.” cigna.com. Accessed June 17, 2021.

  108. Cigna. “Cigna Insurance Plans and Coverage.”

  109. Cigna. “Cigna Insurance Plans and Coverage.”

  110. Cigna. “Cigna Insurance Plans and Coverage.”

  111. Cigna. “Cigna Insurance Plans and Coverage.”

  112. Cigna. “Group Health Insurance Plans.” cigna.com. Accessed June 17, 2021.

  113. Cigna. “Supplemental Insurance Policies.” cigna.com. Accessed June 17, 2021.

  114. Cigna. “Supplemental Insurance Policies.”

  115. Cigna. “Supplemental Insurance Policies.”

  116. Cigna. “Cigna Health and Wellness Programs.” cigna.com. Accessed June 17, 2021.

  117. Blue Cross Blue Shield. “An Industry Pioneer.” bcbs.com. Accessed June 16, 2021.

  118. Blue Cross Blue Shield. “Contact Us.” bcbs.com. Accessed June 16, 2021.

  119. Blue Cross Blue Shield. “BCBS Companies and Licensees.” bcbs.com. Accessed June 16, 2021.

  120. Blue Cross Blue Shield. “The Blue Cross Blue Shield System.” bcbs.com. Accessed June 16, 2021.

  121. Blue Cross Blue Shield. “AM Best Recognizes BlueCross BlueShield of South Carolina with 19th Consecutive A+ Rating.” News Release December 16, 2020. Accessed June 16, 2021.

  122. AM Best. “Guide to Best’s Financial Strength Ratings.”

  123. ACSI. “Benchmarks by Industry.”

  124. ACSI. “Benchmarks by Industry.”

  125. NAIC. “Results by Complaint Code: Blue Cross Blue Shield.” naic.org. Accessed June 16, 2021.

  126. NCQA. “NCQA Health Insurance Plan Ratings 2019-2020 – Summary Report.”

  127. J.D. Power. “Increasing Telehealth Utilization and Digital Contact Help Health Plans Score Points with Members During Pandemic, J.D. Power Finds.

  128. Blue Cross Blue Shield of Texas. “Silver Plan With $0 Copay for Primary Care Visit.” retailweb.hcsc.net. Accessed June 16, 2021.

  129. Blue Cross Blue Shield Massachusetts. “Available Plans.” bluecrossma.org. Accessed July 12, 2021.

  130. Blue Cross and Blue Shield of Illinois. “Matching Plans.” bcbsil.com. Accessed July 12, 2021.

  131. Blue Cross Blue Shield. “Employers.” bcbs.com. Accessed June 17, 2021.

  132. Blue Cross Blue Shield. “Individuals and Families.” bcbs.com. Accessed June 17, 2021.

  133. Blue Cross Blue Shield. “Individuals and Families.”

  134. Blue Cross Blue Shield. “BlueCross BlueShield Global.” bcbs.com. Accessed June 17, 2021.

  135. Blue Cross Blue Shield. “Medicare.” bcbs.com. Accessed June 17, 2021.

  136. Blue Cross Blue Shield. “Blue365s.” blue365deals.com. Accessed June 17, 2021.

  137. U.S. Government Website for the Federal Health Insurance Marketplace. “Key 2021 Open Enrollment Dates.” healthcare.gov. Accessed June 16, 2021.

  138. U.S. Government Website for the Federal Health Insurance Marketplace. “Premium.” healthcare.gov. Accessed June 16, 2021.

  139. U.S. Government Website for the Federal Health Insurance Marketplace. “Deductible” healthcare.gov. Accessed June 16, 2021.

  140. U.S. Government Website for the Federal Health Insurance Marketplace. “Coinsurance.” healthcare.gov. Accessed June 16, 2021.

  141. U.S. Government Website for the Federal Health Insurance Marketplace. “Copayment.” Healthcare.gov. Accessed June 16, 2021.