Not all health insurance carriers are equal — and the right carrier depends as much on where you live and what doctors you need as it does on the premium. Below are independent reviews of the 7 largest ACA marketplace issuers, written from the perspective of an advisor who works with all of them.
Buying Blue Cross Blue Shield off the marketplace? See the 2027 off-exchange BCBS prices at every age, with each plan’s deductible and the private-plan comparison.
Blue Cross or a private plan on the UnitedHealthcare network? Compare them side by side: 2027 prices at 30, 40 and 60, deductibles, health questions, networks and who each one fits. Also state by state and city by city.
Ambetter
Ambetter from Centene is one of the largest ACA marketplace carriers in the country, available in over 30 states. Known for competitive premiums and a focus on …
Molina Healthcare
Molina Healthcare is a Fortune 500 managed care company with roots in Medicaid. They offer marketplace ACA plans in about 20 states with a focus on affordabilit…
UnitedHealthcare (UHC) is the largest health insurer in the United States. They offer ACA marketplace plans in a growing number of states after pulling back fro…
Read full review → Compare: Blue Cross vs a private plan on the UnitedHealthcare network →Blue Cross Blue Shield (BCBS) is not a single company but a federation of 33 independent health insurance companies. Together they cover more Americans than any…
Read full review → Compare: Blue Cross vs a private plan on the UnitedHealthcare network →Oscar Health is a technology-driven health insurance company founded in 2012. They focus on a seamless member experience through their app, concierge care teams…
Read full review →Cigna is one of America's oldest insurance companies. Under its parent The Cigna Group, it has reduced its ACA marketplace footprint in recent years but remains…
Read full review →Humana is a Fortune 500 health insurer best known for Medicare Advantage. Their ACA individual marketplace presence is limited after a strategic pullback, but t…
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