The Affordable Care Act made insurance inexpensive for many Americans. It offered premium subsidies to assist those with incomes between 100% and 400% of the federal poverty level. Yet, there are challenges for some when it comes to finding health coverage.
The right way to find affordable health insurance is to compare several providers and plans based on what they offer, monthly premiums, annual out-of-pocket costs, and other details. Here are some of the top health insurance companies that one should consider.
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The Best Coverage for Remote Workers: Blue Cross Blue Shield
This company offers healthcare options for people who work remotely and need to buy coverage independently. Blue Cross Blue Shield allows individuals to purchase good health insurance coverage in all fifty states. Its coverage is widely accepted by doctors and specialists nationwide. Under the Affordable Care Act, eligible customers could get subsidies to make their health insurance premiums cheaper. One can even purchase worldwide health insurance that works for short-term or long-term travel.
Pros
-Long company history and a strong reputation
-Widely accepted by doctors and specialists
-Global coverage is available
Cons
-Plenty of third-party negative user reviews online
The Best for Short-Term Coverage: United Healthcare
UnitedHealthcare offers short-term health insurance coverage when a person needs it. Their plans work well, whether one is between employer-based plans or if they need temporary coverage for any reason. One can start receiving coverage the day after they apply and pick their coverage length and deductible.
Pros
-Long company history
-Offers ACA-compliant plans
-Short-term health insurance is available
Cons
-Low average ratings in all regions in the 2021 U.S. Commercial Health Plan Study
-Some short-term plans aren’t available in every state
The Best Employee Coverage: Cigna
The company was founded in 1792, making it one of the oldest running insurance firms. This business offers special benefits to individuals and companies. Cigna customers benefit from perks like $0 annual checkups and 24/7 health consultation access. The Cigna app can also keep track of one’s medical care, bills, and overall healthcare goals. Cigna offers a variety of plans, including dental, pharmacy, vision, health, and wellness coverage too.
Pros
-$0 annual checkups
-Talk to a nurse 24/7
-Multiple coverage types are available
-Top ratings in the U.S. Commercial Health Plan Study
Cons
-ACA-compliant individual and family plans are available in thirteen states only.
