Where to Find Good Health Insurance

Individual and Family

Where to Find Good Health Insurance

Published on December 03, 2018

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Consumers today face a dizzying array of health insurance choices, with companies offering a broad range of different plans, prices and benefits. In addition to sifting through various companies, plan types, and metal levels, you’ll also need to factor in how your personal circumstances – including your location, tobacco use, and size of family — may affect the price of your plan. At eHealth, we understand shopping for health insurance can seem overwhelming. That’s why we’ve created a list to help you decide which insurance company may provide “good health insurance for you.” Below is information about several of the top health insurance companies offering policies on eHealth.
Note that the prices presented here are average rates of plans sold through eHealth and therefore are not necessarily reflective of the rates you may pay in your area.  

Is United Healthcare good health insurance?

United Healthcare, founded in 1977, is the country’s largest health insurance provider when measured by marketshare. In a recent J.D. Power ranking, United was considered among the best health insurance options. United plans are available in all 50 states, which can make them a great choice for someone who may move but wishes to retain the same health insurance. How much does United Healthcare insurance cost? Check out some general information about United Health plans as well as average prices of United plans sold through eHealth.

In which states can you buy your own health insurance from United?

  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Kansas
  • Kentucky
  • Louisiana
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi

How much is health insurance per month for a single person from United?

ALASKA 2016 2018
Average Premium N/A $139.03
Medical Insurance Packages N/A $139.93

 ..

ALABAMA 2016 2018
Average Premium $304.73 $204.99
Medical Insurance Packages N/A $126.09
Major Medical Off-Exchange $332.09 N/A
Major Medical On-Exchange $398 N/A
Short-Term Health Insurance $184.09 $218.45

 
..

ARKANSAS 2016 2018
Average Premium $391.65 $92.13
Medical Insurance Packages N/A $72.65
Major Medical Off-Exchange $404.67 N/A
Major Medical On-Exchange $649.65 N/A
Short-Term Health Insurance $120.62 $111.60

 ..

ARIZONA 2016 2018
Average Premium $286.38 $155.69
Medical Insurance Packages N/A $173.10
Major Medical Off-Exchange $379.58 N/A
Major Medical On-Exchange $515.07 N/A
Short-Term Health Insurance $126.08 $138.27

 ..

COLORADO 2016 2018
Average Premium $353.08 $146.12
Medical Insurance Packages N/A $146.12
Major Medical Off-Exchange $577.24 N/A

 ..

CONNECTICUT 2016 2018
Average Premium $407.70 $175.16
Major Medical Off-Exchange $627.46 N/A
Short-Term Health Insurance $187.94 $175.16

..

DELAWARE 2016 2018
Average Premium $164 $153.55
Medical Insurance Packages N/A $97.43
Short-Term Health Insurance $164 209.67

..

FLORIDA 2016 2018
Average Premium $394.80 $247.41
Medical Insurance Packages N/A $171.17
Major Medical Off-Exchange $539.60 N/A
Major Medical On-Exchange $501.14 N/A
Short-Term Health Insurance $211.46 $200.24

..

GEORGIA 2016 2018
Average Premium $425.93 $315.75
Medical Insurance Packages N/A $158.55
Major Medical Off-Exchange $564.09 N/A
Major Medical On-Exchange $555.09 N/A
Short-Term Health Insurance $158.60 $237.06

..

HAWAII 2016 2018
Average Premium N/A $107.30
Medical Insurance Packages N/A $107.30

..

IOWA 2016 2018
Average Premium $417.49 $166.37
Medical Insurance Packages N/A $209.58
Major Medical Off-Exchange $361.55 N/A
Major Medical On-Exchange $556.67 N/A
Short-Term Health Insurance $119.51 $123.16

..

IDAHO 2016 2018
Average Premium N/A $223.51
Medical Insurance Packages N/A $223.51

..

ILLINOIS 2016 2018
Average Premium $341.21 $183.47
Medical Insurance Packages N/A $147.11
Major Medical Off-Exchange $468.15 N/A
Major Medical On-Exchange $476.25 N/A
Short-Term Health Insurance $198.60 $176.68

 
..

INDIANA 2016 2018
Average Premium $466.18 $180.85
Major Medical Off-Exchange $565.02 N/A
Major Medical On-Exchange $667.20 N/A
Short-Term Health Insurance $166.31 $180.85

..

KANSAS 2016 2018
Average Premium $336.38 $150.98
Major Medical Off-Exchange $403.41 N/A
Major Medical On-Exchange $434.60 N/A
Short-Term Health Insurance $171.14 $150.98

..

KENTUCKY 2016 2018
Average Premium $224.04 $168.43
Medical Insurance Packages N/A $156.67
Major Medical Off-Exchange $338.50 N/A
Short-Term Health Insurance $146.70 $180.19

..

LOUISIANA 2016 2018
Average Premium $366.97 $262
Medical Insurance Packages N/A $154.98
Major Medical Off-Exchange $433.55 N/A
Major Medical On-Exchange $511.65 N/A
Short-Term Health Insurance $254.28 $262.20

..

MARYLAND 2016 2018
Average Premium $72.49 $164.74
Medical Insurance Packages N/A $164.74
Major Medical Off-Exchange $27.01 N/A

..

MAINE 2016 2018
Average Premium N/A $198.01
Medical Insurance Packages N/A $198.01

..

MICHIGAN 2016 2018
Average Premium $323.13 $168.19
Medical Insurance Packages N/A $210.23
Major Medical Off-Exchange $419.34 N/A
Major Medical On-Exchange $419.87 N/A
Short-Term Health Insurance $130.18 $126.14

 
..

MINNESOTA  2016 2018
Average Premium N/A $120.67
Medical Insurance Packages N/A $120.67

..

MISSOURI 2016 2018
Average Premium $342.98 N/A
Major Medical Off-Exchange $394.49 N/A
Major Medical On-Exchange $507.60 N/A
Short-Term Health Insurance $126.86 N/A

..

MISSISSIPPI 2016 2018
Average Premium $291.75 $144.59
Medical Insurance Packages N/A $144.59
Major Medical Off-Exchange $431.24 N/A

 

What benefits do United major medical plans cover?

Ambulatory patient services (outpatient services)? Yes
Emergency services? Yes
Hospitalization? Yes
Maternity and newborn care? Yes
Mental health and substance use disorder services, including behavior health treatment? Yes
Prescription drugs? Yes
Rehabilitative and habilitative services (those that help patients acquire, maintain or improve skills necessary for daily functioning)? Yes
Laboratory services? Yes
Preventive and wellness services? Yes
Chronic disease management? Yes
Pediatric services, including oral and vision care? Yes

 ..

What benefits do United short-term policies and medical insurance packages cover?

Ambulatory patient services (outpatient services)? Yes
Emergency services? Yes
Hospitalization? Yes
Maternity and newborn care? Typically No
Mental health and substance use disorder services, including behavior health treatment? Typically No
Prescription drugs? Typically Limited
Rehabilitative and habilitative services (those that help patients acquire, maintain or improve skills necessary for daily functioning)? Typically Limited
Laboratory services? Yes
Preventive and wellness services? Yes
Chronic disease management? Typically No
Pediatric services, including oral and vision care? Typically No

 

Is Cigna good health insurance?

Cigna gets points for experience. The company goes back over 200 years, when it was known as the Insurance Company of North America and offered life insurance for ship captains. Cigna later expanded their offerings to health insurance, offering their first “accidents and sickness” policies in 1919. The company sells a variety of plan types offered in different states. If you’re thinking Cigna is “good health insurance” for your specific healthcare needs, check out their prices to see if they align with your budget.

How much are Affordable Care Act (ACA) “metal” health insurance plans per month from Cigna?

ILLINOIS Age 21 Age 30 Age 40 Age 50 Age 60 3-Person Family
Average $319.80 $362.97 $408.70 $571.16 $867.94 $970.59
Bronze $249.91 $283.65 $319.38 $446.34 $678.25 $758.46
Silver $342.55 $388.79 $437.38 $611.79 $929.67 $1,039.62
Gold $414.10 $470 $529.21 $739.57 $1,123.86 $1,256.78

..

MISSOURI Age 21 Age 30 Age 40 Age 50 Age 60 3-Person Family
Average $371.95 $422.16 $475.35 $664.30 $1,009.47 $1128.87
Bronze $259.76 $294.83 $331.98 $463.93 $704.99 $788.37
Silver $387.35 $439.64 $495.04 $691.81 $1,051.07 1,175.60
Gold $565.53 $641.88 $722.75 $1,010.04 $1,534.85 $1,716.38

 ..

NORTH CAROLINA Age 21 Age 30 Age 40 Age 50 Age 60 3-Person Family
Average $459.36 $521.37 $587.06 $820.41 $1,246.69 $1,394.14
Bronze $358.99 $407.46 $458.80 $641.16 $974.30 $1,089.54
Silver $452.80 $513.93 $578.68 $808.71 $1,228.91 $1,374.25
Gold $679.74 $771.51 $868.71 $1,214.02 $1,844.82 $2,063.02

 ..

TENNESSEE Age 21 Age 30 Age 40 Age 50 Age 60 3-Person Family
Average $489.11 $555.14 $625.08 $873.55 $1,327.44 $1,484.44
Bronze $317.59 $360.46 $405.88 $567.22 $861.94 $963.88
Silver $488.32 $554.24 $624.07 $872.14 $1,325.30 $1,482.05
Gold $719.11 $816.20 $919.03 $1,284.34 $1,951.68 $2,182.52

 ..

VIRGINIA Age 21 Age 30 Age 40 Age 50 Age 60 3-Person Family
Average $372.51 $422.79 $476.06 $665.30 $1,010.98 $1,130.55
Bronze $275.94 $313.19 $352.66 $492.83 $748.90 $837.48
Silver $368.06 $417.75 $470.39 $657.36 $998.92 $1,117.07
Gold $574.52 $652.08 $734.24 $1,026.10 $1,559.25 $1,743.67

 

What types of insurance does Cigna offer by state?

State Plan Types Offered
Illinois  HMO
Missouri EPO
North Carolina HMO
Tennessee EPO
Virginia EPO

 

What benefits do Cigna major medical plans cover?

 

Ambulatory patient services (outpatient services)? Yes
Emergency services? Yes
Hospitalization? Yes
Maternity and newborn care? Yes
Mental health and substance use disorder services, including behavior health treatment? Yes
Prescription drugs? Yes
Rehabilitative and habilitative services (those that help patients acquire, maintain or improve skills necessary for daily functioning)? Yes
Laboratory services? Yes
Preventive and wellness services? Yes
Chronic disease management? Yes
Pediatric services, including oral and vision care? Yes

 

Is Humana good health insurance?

Humana got its start providing care in nursing homes. In addition to being ranked high on Forbes’ social responsibility list, J.D. Power gives Humana an “among the best” rating for member satisfaction. Check out some average prices for their plans sold through eHealth:

How much is health insurance per month for a single person from Humana?

ALABAMA

Average $318.39
Major Medical Off-Exchange $276.76
Major Medical On-Exchange $360.01

..
ARIZONA

Average $462.08
Major Medical Off-Exchange $463.26
Major Medical On-Exchange $460.89

..
COLORADO

Average $410.02
Major Medical Off-Exchange $399.25

..
FLORIDA

Average $420.78
Major Medical Off-Exchange $403.20
Major Medical On-Exchange $438.36

..
GEORGIA

Average $476.90
Major Medical Off-Exchange $462.12
Major Medical On-Exchange $491.68

 
 ..
ILLINOIS

Average $458.91
Major Medical Off-Exchange $354.77
Major Medical On-Exchange $563.05

..
INDIANA 

Average $308.35
Major Medical Off-Exchange $284.37

..
KANSAS

Average $332.33
Major Medical Off-Exchange $289.90

..
KENTUCKY

Average $374.77
Major Medical Off-Exchange $350.59
Major Medical On-Exchange $398.94

..
LOUISIANA

Average $380.03
Major Medical Off-Exchange $317.76
Major Medical On-Exchange $422.30

..
MICHIGAN

Average $300.15
Major Medical Off-Exchange $239.83
Major Medical On-Exchange $360.46

..
MISSOURI

Average $378.92
Major Medical Off-Exchange $296.98
Major Medical On-Exchange $460.85

..
MISSISSIPPI

Average $466.31
Major Medical Off-Exchange $381.66
Major Medical On-Exchange $550.96

..
NORTH CAROLINA

Average $489.61
Major Medical Off-Exchange $524.86

 ..
NEVADA

Average $454.36
Major Medical Off-Exchange $526.92

 ..
OHIO

Average $381.79
Major Medical Off-Exchange $336.78
Major Medical On-Exchange $426.80

..
OKLAHOMA

Average $275.44
Major Medical Off-Exchange $167.29

..
SOUTH CAROLINA

Average $383.59
Major Medical Off-Exchange $332.73

..
TENNESSEE

Average $434.45
Major Medical Off-Exchange $346.83
Major Medical On-Exchange $522.06

 ..
TEXAS

Average $400.72
Major Medical Off-Exchange $421.96
Major Medical On-Exchange $379.48

..
UTAH

Average $325.02
Major Medical Off-Exchange $319.82
Major Medical On-Exchange $330.21

..
VIRGINIA

Average $483.06
Major Medical Off-Exchange $434.61

..
WISCONSIN

Average $531.50
Major Medical Off-Exchange $531.50

 

What benefits do Humana major medical plans cover?

Ambulatory patient services (outpatient services)? Yes
Emergency services? Yes
Hospitalization? Yes
Maternity and newborn care? Yes
Mental health and substance use disorder services, including behavior health treatment? Yes
Prescription drugs? Yes
Rehabilitative and habilitative services (those that help patients acquire, maintain or improve skills necessary for daily functioning)? Yes
Laboratory services? Yes
Preventive and wellness services? Yes
Chronic disease management? Yes
Pediatric services, including oral and vision care? Yes

 

Is Blue Cross Blue Shield good health insurance?

Blue Cross Blue Shield (BCBS) companies have provided healthcare coverage to members since 1929. Today, 36 independent, locally operated BCBS companies provide health insurance to more than 106 million members in all 50 states, Washington, D.C., and Puerto Rico. According to the company, more than 96 percent of hospitals and 95 percent of doctors and specialists contract with BCBS companies – more than any other insurer. Below are some average prices of BCBS policies sold through eHealth.

How much is health insurance per month from Blue Cross and Blue Shield?

BCBS Alabama

Age 21 Age 30 Age 40 Age 50 Age 60 3-Person
Family
$361.68 $410.51 $462.23 $645.96 $981.60 $1,058.68

..
BCBS Arizona

Age 21 Age 30 Age 40 Age 50 Age 60 3-Person
Family
$430.93 $489.10 $550.73 $769.64 $1,169.53 $1,307.87

..
BCBS Florida

Age 21 Age 30 Age 40 Age 50 Age 60 3-Person
Family
$471.07 $534.67 $602.03 $841.34 $1,278.49 $1,429.71

..
BCBS Georgia

Age 21 Age 30 Age 40 Age 50 Age 60 3-Person
Family
$423.07 $480.19 $540.69 $755.61 $1,148.22 $1,284.03

..
BCBS Illinois

Age 21 Age 30 Age 40 Age 50 Age 60 3-Person
Family
$380.37 $431.72 $486.11 $679.34 $1,032.33 $1,154.42

..
BCBS Kansas

Age 21 Age 30 Age 40 Age 50 Age 60 3-Person
Family
$316.39 $359.11 $404.35 $565.08 $858.70 $906.26

..
BCBS Michigan

Age 21 Age 30 Age 40 Age 50 Age 60 3-Person
Family
$299.74 $340.21 $383.07 $535.34 $813.50 $909.72

..
BCBS Montana

Age 21 Age 30 Age 40 Age 50 Age 60 3-Person
Family
$422.72 $479.79 $540.24 $754.98 $1.147.27 $1,282.72

..
BCBS North Carolina

Age 21 Age 30 Age 40 Age 50 Age 60 3-Person
Family
$443.80 $503.71 $567.17 $792.62 $1,204.67 $1,346.93

..
BCBS North Dakota

Age 21 Age 30 Age 40 Age 50 Age 60 3-Person
Family
$298.22 $338.48 $381.13 $532.62 $809.37 $905.10

..
BCBS New Mexico

Age 21 Age 30 Age 40 Age 50 Age 60 3-Person
Family
$345.36 $391.99 $441.38 $616.82 $937.32 $1,048.18

..
BCBS Oklahoma

Age 21 Age 30 Age 40 Age 50 Age 60 3-Person
Family
$395.89 $449.34 $505.95 $707.06 $1,074.45 $1,201.53

..
BCBS South Carolina

Age 21 Age 30 Age 40 Age 50 Age 60 3-Person
Family
$368.55 $418.30 $471.01 $658.23 $1,000.24 $1,118.58

..
BCBS Tennessee

Age 21 Age 30 Age 40 Age 50 Age 60 3-Person
Family
$551.04 $625.43 $704.23 $984.16 $1,495.43 $1,672.41

..
BCBS Texas

Age 21 Age 30 Age 40 Age 50 Age 60 3-Person
Family
$389.99 $442.64 $498.41 $696.52 $1,058.43 $1,183.62

..
BCBS Wyoming

Age 21 Age 30 Age 40 Age 50 Age 60 3-Person
Family
$592.38 $672.35 $757.06 $1,057.98 $1,607.71 $1,797.87

 

In which states can you buy your own health insurance from Blue Cross Blue Shield?

  • Alabama
  • Arizona
  • Florida
  • Georgia
  • Illinois
  • Kansas
  • Michigan
  • Montana
  • North Carolina
  • North Dakota
  • New Mexico
  • Oklahoma
  • South Carolina
  • Tennessee
  • Texas
  • Wyoming

What benefits do Blue Cross Blue Shield major medical plans cover?

Ambulatory patient services (outpatient services)? Yes
Emergency services? Yes
Hospitalization? Yes
Maternity and newborn care? Yes
Mental health and substance use disorder services, including behavior health treatment? Yes
Prescription drugs? Yes
Rehabilitative and habilitative services (those that help patients acquire, maintain or improve skills necessary for daily functioning)? Yes
Laboratory services? Yes
Preventive and wellness services? Yes
Chronic disease management? Yes
Pediatric services, including oral and vision care? Yes

 

What types of insurance does Blue Cross Blue Shield offer by state?

 

State Plan Types Offered
Alabama PPO
Arizona HMO
Florida EPO
Georgia HMO
Illinois HMO, PPO
Kansas EPO
Michigan HMO, PPO
Montana PPO
North Carolina PPO, POS
North Dakota PPO
New Mexico HMO
Oklahoma PPO
South Carolina EPO
Tennessee PPO
Texas HMO
Wyoming PPO

Is Kaiser Permanente good health insurance?

Kaiser Permanente is the nation’s largest integrated health system and provides care to more than 12 million members in eight states and the District of Columbia. Kaiser Permanente combines HMO insurance coverage with a full range of inpatient and outpatient healthcare services. The company was founded in 1945 by industrialist Henry J. Kaiser and physician Sidney Garfield. Kaiser operates in California, Colorado, Georgia, Hawaii, Maryland, Oregon, Virginia, Washington and Washington, D.C. Below are some average prices for ACA plans, along with information about the benefits Kaiser’s major medical plans cover.

How much are ACA “metal” health insurance plans per month from Kaiser?

GEORGIA Age 21 Age 30 Age 40 Age 50 Age 60 3-Person Family
Average $375.01 $425.63 $479.26 $669.76 $1017.77 $1,138.14
Catastrophic 270.77 $307.33 NA NA NA $821.80
Bronze $326.32 $370.38 $417.04 $582.82 $855.64 $990.40
Silver $384.28 $436.16 $491.11 $686.32 $1,042.93 $1,166.28
Gold $457.26 $518.99 $584.38 $816.67 $1,241.01 $1,387.79

..

HAWAII Age 21 Age 30 Age 40 Age 50 Age 60 3-Person Family
Average $347.08 $393.93 $443.57 $619.88 $941.97 $1,053.39
Bronze $262.65 $298.11 $335.67 $469.09 $712.83 $797.15
Expanded Bronze $278.49 $316.08 $355.91 $497.38 $755.82 $845.21
Silver $353.15 $400.83 $451.33 $630.73 $958.45 1,071.81
Gold $365.86 $415.25 $467.56 $653.42 $992.93 $1,110.37
Platinum $420.62 $477.40 $537.55 $751.22 $1,141.55 $1,276.56

 ..

OREGON Age 21 Age 30 Age 40 Age 50 Age 60 3-Person Family
Average $273.60 $310.50 $349.70 $488.80 $742.60 $794.80
Catastrophic $214 $243 NA NA NA $622
Expanded Bronze $217.67 $247 $278 $388.67 $590.33 $632.33
Silver $298.67 $338.67 $381.67 $533.67 $810.67 $867
Gold $324.33 $368.33 $414.67 $579.67 $880.67 $942.67

 ..

VIRGINIA Age 21 Age 30 Age 40 Age 50 Age 60 3-Person Family
Average $368.33 $418.05 $470.73 $657.84 $999.65 $1,117.88
Catastrophic $230.79 261.95 NA NA NA $700.45
Expanded Bronze $303.09 $344.01 $387.35 $541.32 $822.59 $919.88
Silver $380.47 $431.83 $486.24 $679.52 $1,032.60 $1,154.72
Gold $387.51 $439.82 $495.24 $692.09 $1,051.70 $1,176.09
Platinum $452.87 $514.01 $578.77 $808.83 $1,229.09 $1,374.47

 ..

Southern California Age 30 Northern California Age 30
Bronze $238.15 Bronze $281.27
Silver $281.43 Silver $332.38
Gold $358.78 Gold $423.75
Platinum $414.49 Platinum $489.54

 

What types of insurance does Kaiser offer by state?

State Plan Types Offered
Georgia HMO
Hawaii HMO
Oregon EPO
Virginia HMO
California HMO

 

What benefits do Kaiser major medical plans cover?

 

Ambulatory patient services (outpatient services)? Yes
Emergency services? Yes
Hospitalization? Yes
Maternity and newborn care? Yes
Mental health and substance use disorder services, including behavior health treatment? Yes
Prescription drugs? Yes
Rehabilitative and habilitative services (those that help patients acquire, maintain or improve skills necessary for daily functioning)? Yes
Laboratory services? Yes
Preventive and wellness services? Yes
Chronic disease management? Yes
Pediatric services, including oral and vision care? Yes

 

Is Anthem good health insurance?

Anthem Blue Cross and Blue Shield is part of the Blue Cross Blue Shield Association, and the largest for-profit member. Its ranking as “among the best” with J.D. Power qualifies it, in many people’s minds, as a good health insurance option. The company serves over 40 million members. Here are some average prices for Anthem health insurance plans offered on eHealth:

  • Average cost of Anthem individual health plan (not ACA): $654.61
  • Average cost of Anthem qualified health plan (ACA-compliant): $861.83
  • Average cost of Anthem vision plan: $18.16

Is Aetna good health insurance?

Aetna was recently included on Fortune’s “World’s Most Admired Companies” list and provides policies to more than 2.2 million people in the U.S. The company, which was founded in 1853, completed a merger with CVS Health in 2018.  J.D. Power’s Member Satisfaction Index puts Aetna at “better than most.” It is important to note that Aetna stopped selling polices in the ACA/Obamacare market in 2017.

Year Product Price
2017 Dental Insurance $64.40
2017 Obamacare/ACA Coverage not subsidy eligible $525.07
2017 Obamacare/ACA Coverage subsidy eligible $374.55


Now that you have a better sense for some of the major health insurance companies and how much their plans can cost on average, visit eHealth to begin reviewing plans in your area. You’ll benefit from free quotes and can easily compare prices and benefits to decide what good health insurance means for you. You’ll also receive lifetime customer support, along with the peace of mind that comes with knowing eHealth will track your application to ensure you get the coverage you selected.

We’ll let you know when we publish anything new.