Insurer Reviews

Humana is one of the largest U.S. health insurers, with a core focus on Medicare Advantage, Medicare Supplement, and Part D drug plans in 2026.

Medicare Advantage plans are available in 48 states, D.C., and Puerto Rico, with limited international emergency coverage and some regional exits by Humana in 2025.

Humana no longer offers ACA, STM, employer, or student plans under 65, but does provide Medicaid in select states and a wide range of Medicare options, including Advantage, Medigap, Part D, and group retiree plans.

Horizon Blue Cross Blue Shield of New Jersey (Horizon BCBSNJ) remains the Garden State’s flagship health insurer in 2026, serving more than 3.7 million members. The company offers a full suite of ACA, employer-sponsored, and Medicare plans tailored for individuals, families, and businesses.

Horizon BCBSNJ offers ACA and employer plans statewide, with national access via BlueCard® and global emergency/routine care through BCBS Global® and GeoBlue®.

Provides ACA, employer, and Medicaid plans in NJ; Medicare Advantage and Part D via Braven Health; Medigap (e.g., Plan G); and retiree coverage through SHBP and group programs.

WellCare remains a national leader in government-sponsored healthcare for 2026, specializing in Medicare Advantage, Part D prescription drug plans, and Special Needs Plans (SNPs). Founded in 1985 and acquired by Centene Corporation in 2020, WellCare has grown its Medicare presence to 33 states, while its standalone drug plans reach all 50.

WellCare offers Medicare Advantage in 33 states (expanding to Kentucky in 2026), PDPs in all 50 states, and ACA plans in select Southeast states like North Carolina.

Offers ACA, Medicaid MCOs, D-SNPs, Medicare Advantage (including SNPs), and three standalone Part D plans. No employer, student, STM, Medigap, or retiree group coverage.

Harvard Pilgrim Health Care, now part of Point32Health following its merger with Tufts Health Plan, remains a leading nonprofit insurer in New England.

ACA plans are available in Massachusetts, Maine, and New Hampshire, with nationwide and global coverage provided through employer and retiree plans like Access America and Medicare Enhance.

ACA plans are available in MA, ME, and NH; employer-sponsored HMO, PPO, POS, and HDHP plans are offered across New England with national reach, while STM, Medicaid, and student health plans are not offered.

Backed by strong financial ratings and employer group support, Regence focuses on offering ACA-compliant individual and family plans, Medicare Advantage and Supplement coverage, and robust benefits for large employers.

Limited to four Northwestern states, with strong BlueCard® access for emergency care.

ACA, employer, and Medicare Advantage/Medigap plans, but no Medicaid or short-term coverage.

Ambetter, a Centene Corporation brand, is one of the nation’s largest ACA Marketplace insurers, covering over 4.4 million members as of 2025.

Ambetter covers 29 states with recent expansion and U.S.-only emergency care; provider access varies by plan tier.

Offers tiered ACA plans and ICHRA options; no STM, Medicare, student, or direct employer plans, with Medicaid through Centene only.

CareFirst BCBS is the largest not-for-profit health insurer in the Mid-Atlantic, serving over 3.4 million members. With strong roots in Maryland, D.C., and Northern Virginia, it offers ACA, Medicare Advantage, Medigap, Medicaid, and employer coverage.

Regional focus in Maryland, D.C., and Northern Virginia with ACA, Medicare, and employer plans.

Competitive pricing and large networks, but customer service and claims transparency issues persist.

Medical Mutual of Ohio is the state’s largest and most established health insurer, serving over 1.6 million members. With deep roots in Ohio’s healthcare system, it offers a wide range of coverage—including ACA, Medicare Advantage, Medigap, and employer-sponsored plans.

Ohio-focused coverage with ACA, employer, and Medicare plans.

Offers strong provider access, enhanced 2026 benefits, and telehealth—but limited geographic reach and persistent service complaints.

Molina Healthcare is a major provider of government-sponsored health coverage, including Medicaid, CHIP, ACA Marketplace plans, and Medicare Advantage.

Molina provides affordable ACA, Medicaid, and Medicare Advantage coverage across 15+ states.

Strong value for low-income and dual-eligible members, though limited in plan variety and consumer satisfaction.

Blue Cross of Idaho (BCI) is Idaho’s longest-standing and most dominant health insurer, operating since 1945. Serving approximately 600,000 members, BCI offers comprehensive coverage tailored to the unique healthcare landscape of Idaho.

Blue Cross of Idaho offers ACA, employer, and Medicare plans across all 44 Idaho counties, with national and limited international urgent care access via BlueCard.

Statewide ACA, short-term, employer, Medicare Advantage, and Medigap plans are available. No Medicaid, standalone Part D, student, or retiree group plans offered.

Aetna, a subsidiary of CVS Health, remains a major player in the U.S. health insurance landscape—particularly in the employer and Medicare markets.

Aetna provides nationwide employer and Medicare coverage, limited Medicaid, and international plans for expats. It no longer offers ACA plans, affecting members in 17 states.

Includes employer plans, Medicare Advantage, Medigap, and Part D (via SilverScript®), with no ACA, STM, or student health plans.

Highmark BCBS is a leading regional insurer with deep roots in Pennsylvania, West Virginia, and Delaware. With a wide mix of ACA, Medicare, and group plans, Highmark delivers flexibility—but customer complaints and billing issues remain pain points.

Coverage includes extensive U.S. service areas across PA, WV, DE, parts of NY and OH, expanded Medicare Advantage in Southeastern PA, and global emergency access through BlueCard® and HPN networks, with broad provider access nationwide.

Offers ACA marketplace plans, employer-sponsored coverage, and Medicare options (Advantage, Supplement, and Part D) in PA, WV, and DE, but does not provide short-term medical, Medicaid, or student health plans.

Oscar Health is a technology-forward health insurer known for its consumer-first design and robust digital tools. Since its founding in 2012, it has carved out a substantial presence in the ACA marketplace.

Available in 18 states, with ACA and Medicare Advantage plans.

Strong in digital experience, chronic care support, and ACA value plans; lacks Medigap and short-term offerings.

UnitedHealthcare (UHC) continues to be one of the most recognizable and expansive health insurers in the U.S. With over a decade of leadership in employer coverage, Medicare Advantage, and an increasingly competitive presence on the ACA exchange, UHC enters 2026 with strong momentum.

UnitedHealthcare offers ACA plans in 30 states, short-term and Medicaid plans in select areas, nationwide employer coverage, and full Medicare offerings. Student plans are not publicly available.

UHC provides ACA, employer, STM, and Medicare plans, reaching 96% of eligible seniors, with a vast network (1.3M providers, 6,700 hospitals) and global coverage in 130+ countries via UHC Global.

Anthem remains a key player in the U.S. health insurance landscape, offering a wide range of ACA and Medicare plans across multiple states.

Anthem offers ACA, Medicare Advantage, and Medicaid plans in multiple states, with international emergency coverage and broad provider access via the BCBS network.

Anthem provides ACA plans in 14 states, Medicaid in 8, employer coverage, and Medicare Advantage, with limited availability of short-term, standalone Medigap and Part D plans.

Kaiser Permanente remains one of the largest not-for-profit health plans in the U.S., serving more than 12.5 million members in 2026. Known for its integrated care model—where insurance, medical groups, and hospitals operate under a unified system—Kaiser continues to deliver highly rated, coordinated care across several states.

Kaiser Permanente operates in 10 regions across 8 states and D.C., using a closed HMO model with Kaiser-employed providers and limited international emergency coverage.

Offers ACA, employer, Medicaid, and Medicare Advantage (including SNPs), but no STM, standalone Medigap, PDPs, and limited student or retiree Medicare plans.

Ambetter provides Marketplace plans in 20 states nationwide, covering over 2 million members.

• Florida: Ambetter from Sunshine Health is available in 63 counties, following recent expansions across the state.
• National: Ambetter operates in 29 states with a strong presence in Florida, Texas, and Georgia.
• International: Coverage is limited to U.S.-based services; international emergency care is not included.

Provider Network: Ambetter plans in Florida offer access to more than 32,000 providers, though availability varies by county and plan tier. Value and Select tiers may restrict provider choice and often require referrals.

• ACA Marketplace (Individual & Family, Under-65):
  • Bronze Plans: Lowest premiums, higher out-of-pocket costs
  • Silver Plans: Balanced coverage, eligible for cost-sharing reductions
  • Gold Plans: Higher premiums but lower out-of-pocket expenses
  • Value & Select Plans: Narrower networks at lower costs, available in certain counties
• Employer-Sponsored (ICHRA Solutions): Not offered in Florida under Ambetter brand
• Short-Term Medical: Not available
• Student Health Plans: Not available
• Medicaid/Medicare: Offered by Sunshine Health but not under the Ambetter label

Cigna remains a globally recognized insurer with a wide range of health plan offerings, but in 2026, its U.S. footprint continues to narrow.

Cigna ACA plans are available in 11 states, including AZ, GA, IL, NC, and TX.

Cigna offers diverse ACA, Medicare, and international plans but faces reduced U.S. reach, rising costs, and low service ratings. Coverage shrinking in several states; digital tools and global options remain strengths.

Blue Cross Blue Shield (BCBS) remains one of the most recognizable health insurance brands in the U.S., offering a vast network, broad plan selection, and global coverage options.

BCBS offers nationwide health coverage across all 50 states and D.C., including ACA, employer, student, Medicaid, and Medicare plans.

Explore flexible options for individuals, families, and retirees across the U.S. and abroad.