Best Affordable Health Insurance Companies of 2022

Health Insurance Companies

Affordable health insurance once seemed like a distant dream, but the passage of the Medicare Act changed that for many Americans. Thanks to comprehensive health care reform, which Barack Obama signed into law in 2010, families with incomes between 100% and 400% of the Federal Poverty Level (FPL) are now eligible for benefits to provide affordable health insurance premiums. Furthermore, Medicaid for low-income individuals has been expanded to include all adults whose income is less than 138% of the federal poverty level.

The best affordable health insurance companies

Blue Cross Blue Shield

Blue Cross Blue Shield made our rankings due to healthcare options for individuals who work remotely and need to purchase coverage themselves. This includes the option to purchase coverage that works in all 50 states and global health insurance for short-term or long-term travel.


  • The company’s long history and strong reputation
  • Global coverage available
  • Widely accepted by doctors and specialists


  • There are a lot of negative user comments from third parties online

Blue Cross Blue Shield was originally founded in the 1929 and has since expanded to the offer high-quality health insurance coverage across the United States. The company provides coverage for 76 US Fortune 100 companies, 6.9 million people employed by small employers, and 17 million workers unionist, and millions of others.

In the end, however, we chose Blue Cross Blue Shield to rank us due to its options for remote workers, including health insurance that operates nationwide or even worldwide.

Blue Cross Blue Shield allows you to purchase health insurance coverage that works in all 50 states, and is widely accepted by doctors and specialists across the country. They also provide coverage in the Affordable Care Act markets, which means that eligible clients can get benefits to make their health insurance premiums affordable. You can even buy worldwide health insurance coverage for short or long term travel – both of which are a real possibility if you can work from home or anywhere in the world.

United Health Care

We chose United Health Care for our ranking because they offer the short-term health insurance coverage when you need it. This type of plan can work well if you are among the employer-based plans or need temporary coverage for any reason.


  • Long history of the company
  • Short-term health insurance is available
  • Offers ACA Compliant Plans


  • Below average ratings in nearly all regions in J.D

Some of the short term plans are not available in every state

United Health Care was originally founded in 1977, however it has grown exponentially and now serves more than 70 million customers. This provider also works directly with more than 1.3 million physicians and health care providers, as well as 6,500 hospitals and medical centers across the United States. We selected UnitedHealthcare to rank us based on short-term health insurance options, which help consumers fill in the gaps when they’re between plans.

Short-term insurance from UnitedHealthcare can be a good option if you’ve missed your open enrollment in the ACA, are waiting for coverage to start, or are in between jobs. You can get coverage the day after you apply, and you can choose the length of your coverage plus the deductible. You also have the option to drop your short-term coverage without penalty if a long-term insurance option appears.

Kaiser Permanente

We chose Kaiser Permanente because they operate their own Health Savings Accounts (HSAs), which can help you save on health costs based on tax benefits.


  • Kaiser offers its own HSA
  • ACA compliant plans are available for individuals and families
  • Many Top Rankings in JD Power’s 2021 US Business Health Plan Study


  • Coverage is only available in eight states and the Washington, DC.

Kaiser began offering health insurance plans to the public beginning in 1945 and has grown into one of the largest non-profit health insurance companies in the country. Kaiser serves 12.5 million members in the eight states plus Washington, DC.

When you pair a Kaiser Permanente Deductible Health Plan (HDHP) with a Health Savings Account (HSA). You get a convenient debit card that allows you to cover eligible expenses with your HSA money directly and without any additional paperwork. Your HSA plan also comes with the no hidden fees, and you can get the $3.25 monthly plan fee waived. If you maintain an HSA balance of $2,000 or more.


We chose Cigna as our best employee coverage because of the plan features you may be eligible for. Premium benefits include $0 for annual checkups, 24/7 access to a health line, and a mobile app.


  • 0 US dollars for annual examinations
  • Talk to a nurse 24/7
  • Multiple types of coverage available
  • Many Top Rankings in JD Power’s 2021 US Business Health Plan Study


  • ACA-compliant single and family plans are only available in 13 states

Cigna was originally founded in 1792, making it one of the oldest insurance companies in the world. While Cigna’s coverage areas are limited nationwide, we’ve selected them to rank us based on the special benefits they offer individuals and their employee plans.

Cigna customers enjoy perks like $0 for annual checkups and a 24/7 health line that lets you call and get medical questions answered by a nurse. the myCigna app can also help you keep track of your medical care and medical bills, as well as your general healthcare goals

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