2025 health insurance plan, how to buy health insurance, insurance company recommendations

Since dental and vision services for adults are not covered by the necessary medical insurance under Obamacare, medical insurance, dental insurance, and vision insurance often need to be purchased separately. It is recommended that you check carefully whether the medical insurance includes dental and vision benefits.

Vision insurance is responsible for reimbursing benefits such as Eye Exam, Frame & Glasses , and Contacts . Some medical insurance may have additional benefits.

Well-known American health insurance company

If you need to buy insurance yourself, you can check whether there are these insurance companies in your local area. In fact, most Marketplace insurance is also provided by these insurance companies.

• Aetna : Aetna, one of the largest health insurance companies in the United States, provides services in all 50 states. Aetna members can also enjoy a number of health services, such as gym memberships, weight loss programs, chiropractic services, etc.
• Anthem : The largest for-profit managed health care company in the Blue Cross Blue Shield alliance, with services in 14 states across the United States.
• Blue Cross Blue Shield : BCBS is an alliance of 36 independently operated health insurance companies. It has the widest medical network and cooperates with more than 90% of doctors and hospitals in the United States.
• Cigna : Cigna is a global health insurance provider that offers health insurance in 12 states in the United States. Cigna members can use certified telemedicine services including American Well and MDLIVE.
• HCSC : HCSC belongs to the BCBS Alliance and is the largest customer-owned health insurance company in the United States. It provides members with many health benefits, including online health assessment tools, smoking cessation support, weight loss programs, maternity programs, fitness programs, and a 24/7 nurse hotline.
• Highmark : Highmark is a regional health insurance company that covers several states in the eastern United States and is also a member of the BCBS alliance.
• Humana : Humana is headquartered in Kentucky, a Fortune 500 company and the third largest health insurance company in the United States.
• Kaiser Permanente : Kaiser Permanente has its own hospitals and medical centers, and if you live in its coverage area, its health insurance plan reimbursement benefits are usually better and more cost-effective.
• United Healthcare : UHC is rated “A (Excellent)” for financial strength by AM Best and is the largest single health insurance company in the United States. UHC has a very complete online platform and app. Users can search for doctors, make appointments for outpatient clinics, get health consultations, buy prescription drugs, etc. online, which is very convenient. It also has a huge PPO medical network with more than 790,000 doctors participating in the cooperation.

In addition, there may be some regional health insurance companies with a good reputation. It is recommended that you ask local people and search on your own.