Cheaper health insurance plans were once a dream, but passing the Affordable Care Act changed that for many Americans. Thanks to the health care reform by Barack Obama in 2010, households with incomes between 100% and 400% of the Federal Poverty Alleviation Fund (FPL) are entitle to subsidies to achieve health insurance premiums.
In addition, the Medicaid program for low-income individuals has expand to include all adults.
However, there are problems for some Americans in finding affordable health insurance premiums. Especially for those who are at a high level of subsidy coverage and beyond. Because of the way ACA is design, health insurance premiums can vary depending on where you live, how much you earn, and the size of your family.
BlueCross BlueShield
Blue Cross Blue Shield has made our rankings because of its healthcare options for individuals who work remotely. And need to buy cover for themselves. This includes the option to purchase coverage available in all 50 states and worldwide.
Blue Cross Blue Shield was originally founded in 1929 and has provide high-quality health insurance throughout the United States.
However, we chose the Blue Cross Blue Shield for our rankings because of its capabilities for remote workers. Also including health insurance companies that operate domestically or even around the world.
UnitedHealthcare
We have selected UnitedHealthcare in our rankings because they offer short-term health insurance when you need it. This type of plan can be great if you are in the middle of employer-based plans if for any reason you need temporary coverage. UnitedHealthcare was originally founded in 1977, but has grown exponentially and now serves more than 70 million customers.
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Cigna
We chose Cigna as the best coverage for employees due to plan features that you may be eligible for. Stand-out benefits include $0 annual check-ups, 24/7 health line access, and a mobile app.
Cigna was originally founded in 1792, making it one of the longest-running insurance companies in the world. While Cigna coverage areas still have limit nationwide, we chose them for our ranking based on the special benefits they offer individuals and their employee plans. Cigna customers have benefits such as an annual check-up for $ 0. And a 24/7 medical line that allows you to call and get answers to medical questions from a nurse. MyCigna can also help you keep track of your medical care and medical bills, as well as your overall health care goals.
Oscar
We chose the Oscar for convenience because it offers a mobile app and many ways to save time and money on health care via phone or video chat.
Oscar came in 2012, so this technology-driven healthcare company has no long history with its competitors. Nevertheless, it serves more than 560,000 members in 497 districts in 19 states. They plan to expand to 22 general states soon. This means that their coverage area is still have limit, but you can still see the value of their policies if you live in one of their coverage areas.
In the end, we selected an Oscar for our evaluation based on her experience with digital health, all of which was easy through the mobile app and the ability to book healthcare appointments. by phone or video.
Oscar makes it easy for customers to manage their digital IDs, book appointments, and search for providers on the network using their mobile application. You can take care of tasks such as changing recipes and preventive care by phone or video chat. With Oscar Virtual Urgent Care and Virtual Primary Care, you can also book an unlimited $ 0 virtual visit.
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