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Best Small Business Health Insurance Providers Of 2024

Updated: Jun 25, 2024, 8:57am

Kaiser Permanente and Blue Cross Blue Shield scored the best in our analysis of small business health insurance. We evaluated large insurance providers that offer ACA marketplace plans to find the best health insurance companies across the country.

Providing health insurance can help a small business attract—and keep—employees. One way small businesses can buy health coverage is through the Affordable Care Act (ACA) marketplace.

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Summary: Best Health Insurance for Small Business Owners

How does small business health insurance work, types of health insurance companies for small businesses, how much does health insurance for small business cost, how to compare small business health insurance plans, how to get health insurance for a small business, methodology, other health insurance companies we rated, small business health insurance frequently asked questions (faqs), next up in health insurance.

On Healthcare.com’s Website

How We Chose the Best Health Insurance For Small Business Owners

We analyzed state insurance department complaints, quality ratings, deductibles, breadth of health plans and metal tier offerings in the Affordable Care Act marketplace, sometimes called Obamacare, when comparing companies. Our editors are committed to bringing you unbiased ratings and information. Our editorial content is not influenced by advertisers. We use data-driven methodologies to evaluate insurance companies, so all companies are measured equally. You can read more about our editorial guidelines and the methodology for the ratings below.

• 259 health insurance plan costs crunched
• 84 coverage and quality data points analyzed
• 102 years of insurance experience on the editorial team

BEST QUALITY

Kaiser permanente.

Plans offered to small businesses

HMO, POS, PPO

Other coverage offered

Dental (in California) and vision

Provider network

More than 23,900 physicians in 39 hospitals and 622 medical facilities

We like Kaiser Permanente’s superior quality ratings, excellent average deductibles for silver plans and that it offers four different types of metal tiers on the ACA marketplace. That combination could make an excellent choice if you’re buying coverage for your small business.

• Operates an integrated health system, which means the medical providers and health plans work for the same company, which can reduce potential claims problems.
• Doesn’t charge businesses extra for offering multiple types of health plans.
• Excellent health insurance costs compared to other insurers analyzed.
• Kaiser Permanente has the best average ACA plan ratings of the insurers we reviewed.

More: Kaiser Permanente Health Insurance Review

• Only available in eight states and Washington, D.C.
• Finding a provider that accepts Kaiser Permanente may be a problem if members are in states that the company doesn’t serve.
• Consumer complaints to state insurance commissioners are higher than the industry average.
• Washington, D.C.

Best Provider Network

Blue Cross Blue Shield

EPO, HMO, POS, PPO

Dental, life, vision

Over 1.7 million healthcare providers

Blue Cross Blue Shield, which is made up of 33 independent insurers, has excellent quality ratings and lower-than-average silver plan deductibles. Another positive we like is the company’s large provider network and availability of Blue Cross coverage in all states.

• Large provider network means you should have an easier time finding a doctor if you’re traveling.
• Available nationwide.
• Offers all four metal tiers (bronze, silver, gold and platinum).
• Provides four types of health plans to small businesses (can vary by Blue Cross company).

More: Blue Cross Blue Shield Health Insurance Review

• Consumer complaints to state insurance commissioners are slightly above average compared to the rest of the industry.
• Higher ACA marketplace premiums than competitors analyzed.
• All 50 states and Washington, D.C.

Best for Breadth of Insurance Options

Unitedhealthcare.

Accident, critical illness, dental, fixed indemnity, hospitalization, life, vision

1.5 million healthcare providers and 7,000 hospitals and facilities.

UnitedHealthcare has better-than-average complaints to state insurance departments and excellent health plan quality ratings, which we think offers small businesses excellent coverage.

• Large provider network across the country.
• Good National Committee for Quality Assurance quality ratings with excellent numbers for prevention and treatment.
• Offers a wealth of other insurance options.

More: UnitedHealthcare Health Insurance Review

• Doesn’t provide as many metal tiers or types of health plans in the ACA marketplace compared to competitors.
• Health insurance premiums are higher than some competitors.
• Massachusetts
• Mississippi
• North Carolina

The Affordable Care Act defines a small business as a group of no more than 50 full-time employees (FTE), though some states may define it differently.

A small business owner can enroll in a group health insurance plan offered by a private insurance company and then provide their employees the opportunity to enroll in that plan. The employer generally pays part of their employees’ monthly premiums, while employees typically pay smaller premiums, as well as their deductibles, copays, coinsurance and services not covered by the plan.

Small business owners contract with health insurance companies and decide how many options to provide to employees.

Small business owners can buy health insurance for their employees through approved insurance companies with the Small Business Health Options Program (SHOP).

Employers may choose the types of benefit design, which influences whether an employee needs referrals to see specialists, can get out-of-network care and other factors. Three types of health insurance plans offered to small businesses are:

• EPO: Exclusive provider organization plans are often an affordable option. EPOs don’t usually require members to get primary care referrals to see specialists but they also often don’t cover out-of-network care.
• HMO: Health maintenance organization plans are generally much cheaper than other options, but they also have limitations not found in other plans. That includes needing primary care referrals to see specialists and not being covered for out-of-network care.
• POS: Point of service (POS) plans may allow you to get out-of-network care, but you generally need primary care referrals to see specialists and you must choose a primary care provider. These plans aren’t as common as the other types.
• PPO: Preferred provider organization plans are often the most expensive because they offer the most flexibility. That flexibility includes members not needing to get primary care referrals to see specialists and the ability to get out-of-network care.

Getting insurance through the SHOP Marketplace allows employers to offer health plans from multiple insurance companies and qualifies them for the Small Business Health Care Tax Credit, which can help with the cost of providing coverage.

Your business must meet these requirements to qualify for the SHOP tax credit:

• Fewer than 25 full-time equivalent (FTE) employees.
• Average employee salary is about $56,000 per year or less.
• Pay at least 50% of your full-time employees’ premium costs.
• Offer SHOP coverage to all full-time employees.

Small business owners can also work with a health insurance broker who conducts all plan research and comparisons to find the best plan for your business at no additional charge. Or they can buy directly from a health insurance company.

If you buy coverage through the ACA marketplace, plans are organized by “metal” tiers: bronze, silver, gold and platinum . The tiers differ by premiums and out-of-pocket costs. For instance, bronze and silver plans have low premiums but higher deductibles and coinsurance. Gold and platinum plans have high premiums but lower out-of-pocket costs.

Employers have flexibility in which type of plans they choose to offer their employees.

The average cost for small business owners is $612 per employee per month and $1,274 for family coverage per month, according to Kaiser Family Foundation’s 2023 Employer Health Benefits Survey.

The exact cost depends on multiple factors, including previous health insurance claims. For instance, a year of high employee healthcare costs could lead to higher health insurance rates set by the insurance company the next year.

Average Health Insurance Costs for Small Business

Featured Health Insurance Partners

Offers plans in all 50 states and Washington, D.C.

About 1.2 million

On Healthcare.com's Website

About 1.7 million

About 1.5 million

Choosing a small business health insurance plan requires you to act similar to a consumer buying an individual health insurance plan on the Affordable Care Act (ACA) marketplace.

Here’s what to look at when comparing small business health insurance plans.

• Benefit design: See what types of health plans a company offers, including EPO, HMO, POS and PPO. The benefit design dictates whether employees can get out-of-network care and need referrals to see specialists.
• Premiums: A health insurance premium is what members pay to have coverage. This usually gets deducted from paychecks. Employers pay most of the premiums, so businesses will need to figure out how much coverage will cost them and their employees.
• Out-of-pocket costs: Health insurance deductibles , coinsurance and out-of-pocket maximums play vital roles in how much members pay when they need healthcare services. Choosing a plan with high deductibles may cost businesses and employees for premiums, but it also puts more costs on employees when they need healthcare.
• Provider network: Health insurance companies contract with providers and medical facilities like hospitals. These contracts decide how much providers get paid and may set requirements for providers, such as requiring that they meet a minimum quality of care. A small network could result in employees needing to search for a doctor and lead to extra out-of-network costs.

EXPERT TIPS

How to Choose the Right Small Business Health Insurance

Les Masterson

Insurance Editor

Insurance Managing Editor

Michelle Megna

Insurance Lead Editor

Ashlee Valentine

Offer Multiple Plans If Possible

I believe that providing employees with multiple options can help with employee satisfaction. One employee may like the lower premiums in an HMO and not have a problem staying in-network, while another may prefer the flexibility of a PPO with the understanding that they will pay more in premiums. Giving them those options can help maintain your workforce.

Get Health Insurance Quotes from Multiple Insurers

Small employers aren’t all the same so don’t follow another company’s insurer or stay with your current company without checking other insurers. Instead, I would suggest getting quotes from multiple insurance companies for the same type of coverage so you can accurately compare them side-by-side.

Figure Out How Much You Can Afford

Part of buying health insurance as an employer is figuring out how much you can afford to spend on health insurance and how much employees may have to pay. I would suggest thinking about how much you want employees to spend on health insurance premiums and what coverage you need.

Work With an Insurance Broker

If you’re unsure about health insurance, talk to an insurance broker to help you with the process. I’ve found that HealthCare.gov offers a tool that lets you find available health insurance brokers in your area by entering your ZIP code.

Look Into Tax Credits

Small business owners may qualify for tax credits to help you pay for employee health insurance through a Small Business Health Options Program (SHOP) plan. I’ve seen some small businesses save as much as 50% of their premiums, but there are requirements to qualify.

You have several options when it comes to searching for the right plan options for your small business.

We analyzed 84 data points about coverage and quality for seven large health insurance companies to determine the best health insurance providers for small businesses owners. Our ratings are based on:

• Complaints made to state insurance departments (30% of score): We used complaint data from the National Association of Insurance Commissioners.
• Plan ratings from the National Committee for Quality Assurance (30% of score): The National Committee for Quality Assurance (NCQA) is an independent, nonprofit organization that accredits health plans and produces ratings based on specific metrics, including patient experience, prevention, treatment, overall rating of the health plan and rating of care.
• Average silver plan deductible (20% of score): The deductible is how much you have to pay for healthcare in a year before the health plan begins picking up a portion of the costs. Companies with health plans that had low deductibles got more points.
• Breadth of health plans (10% of score): Health insurance companies may offer up to four types of plan benefit designs (PPO, HMO, EPO and POS). Companies that offered more types of plans got more points.
• Metal tier offerings (10% of score): The ACA marketplace has four metal tier levels. We gave points to companies that offered more tier plan options.

Read more: How Forbes Advisor rates health insurance companies

Here are other health insurance companies we analyzed as part of our research.

Find The Best Health Insurance Companies Of 2024

Do small businesses have to provide health insurance.

Small business owners aren’t legally required to provide health insurance to their workers, but there are rules for those who do.

With that said, make sure you understand how your state defines a small business, as it will impact what you are required to provide, should you decide to offer health insurance to your employees.

What is a self-insured health plan?

An employer collects health insurance premiums in a self-insured health insurance plan and the business pays the claims rather than a health insurance company. Self-insured plans are more often an option for larger companies.

One potential benefit of self-insured plans is that businesses can save money if they collect more premiums than claims paid out. On the other hand, it could cause a problem if claims exceed premiums.

A self-insured health plan generally still requires that employers contract with a third party to enroll members, process claims and set up provider networks.

How much does group health insurance cost for small businesses?

The average annual cost of health insurance for small businesses is $8,722 annually per employee. Of that amount, employers pick up $7,349 on average and employees pay the rest, according to Kaiser Family Foundation’s 2023 Employer Health Benefits Survey.

Small businesses pay less for health maintenance organization (HMO) plans than other plans. Small companies spend $6,644 annually on average for HMO coverage per employee compared to $6,970 for a point of service (POS) plan and $7,729 for a preferred provider organization (PPO) plan, according to Kaiser Family Foundation.

The Kaiser Family Foundation added that small companies are more likely to pay all employee premiums than larger companies. The report said 30% of covered workers in small firms don’t pay premiums for single coverage for health insurance. That’s compared to just 6% in large companies.

How many employees does a small business have to have to provide health insurance?

Small businesses don’t have to offer health insurance , but employers with more than 50 full-time employees working at least 30 hours per week must offer coverage or face tax penalties.

Small businesses that provide coverage may benefit from tax credits.

Can business owners buy a plan on the marketplace?

Small businesses can buy health coverage for employees on the health insurance marketplace through the Small Health Options Program (SHOP). SHOP lets employers compare plans and the Small Business Health Care Tax Credit can help save money for businesses.

• How Much Does Health Insurance Cost?
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Get Forbes Advisor’s ratings of the best insurance companies and helpful information on how to find the best travel, auto, home, health, life, pet, and small business coverage for your needs.

Les Masterson is a deputy editor and insurance analyst at Forbes Advisor. He has been a journalist, reporter, editor and content creator for more than 25 years. He has covered insurance for a decade, including auto, home, life and health. Before covering insurance, Les was a news editor and reporter for Patch and Community Newspaper Company and also covered health care, mortgages, credit cards and personal loans for multiple websites.

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Table of Contents

Best overall: Blue Cross Blue Shield

Best for low-cost plan options: kaiser permanente, best for transparency: unitedhealthcare, best for customer service: humana, best for health expense funds: aetna (cvs health).

As a small-business owner, the decision to offer health insurance to your employees is a personal one. If you have fewer than 50 employees, you are not required by law to offer a group health insurance plan. But you may still want to consider it as a tool to hire and retain workers and to claim tax benefits for your business.

Choosing the right group health insurance plan for your employees depends on your budget and also factors like the number of employees you have, how old they are and where they live. You can purchase insurance through the federal government’s Small Business Health Options marketplace, directly from an insurance provider or using an insurance broker.

» MORE: How much does small business health insurance cost?

Here are our picks for the top small-business group health insurance providers to consider.

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Largest provider network in the country.

Limited plan details available online; must talk to a sales representative.

Why we like it: Blue Cross Blue Shield is an association of 35 locally operated insurance companies throughout the country. Together, the association provides access to 93% of doctors and 96% of hospitals nationwide. This means finding in-network doctors should not be a problem for your employees anywhere in the country.

Blue Cross Blue Shield provides a variety of plan options for your employees, including preferred provider organizations, health maintenance organizations and high-deductible health plans, as well as group dental and vision plans. The company ranks well in J.D. Power’s 2021 Commercial Member Health Plan Study, which measures member satisfaction. Blue Cross Blue Shield wins the top spot in eight U.S. regions.

For 2019, the average rating for Blue Cross Blue Shield plans on the National Committee for Quality Assurance website was 3.5 on a scale of 1 to 5. The NCQA rates plans on factors such as clinical quality and member satisfaction.

Low-cost HMO plans.

Small-business plan comparisons available online.

Available only in California, Colorado, Georgia, Hawaii, Maryland, Oregon, Virginia, Washington and Washington, D.C.

Why we like it: Kaiser Permanente is only available in a handful of states but it is well-rated in those regions, according to the J.D. Power study. Its average rating on the NCQA website is also high, at 4.3. Kaiser is best known for its HMO plans, which it offers at a low cost because patients are generally required to see providers within a small network. As a small-business owner, you can easily view the details of all of Kaiser's group offerings, including pricing information, on its website.

Comparison tool for small-business plans available online.

Available in all 50 states.

Does not rank in J.D. Power’s Commercial Member Health Plan Study of top insurers.

Why we like it: UnitedHealthcare is the largest insurance company in the country by market share; it works with more than 1.3 million physicians and care professionals, and 6,500 hospitals. Its small-business plan comparison tool makes it stand out from the competition. You can enter some basic information about your business and compare plan costs and features easily on UnitedHealthcare’s website. On average, the company’s NCQA rating is 3.4.

Plan details available online.

Smaller provider network than other insurers.

Why we like it: Humana is ranked well for customer service according to the J.D. Power study. The company’s customer service was also rated the best in the health insurance category of Newsweek’s annual Best Customer Service report two years in a row, for 2019 and 2020. On average, its plans had an NCQA rating of 3.4. Humana offers five types of plans geared toward small businesses and lists the features of each on its website.

Large network of providers.

Limited plan details available online.

Why we like it: Aetna has a comprehensive set of health expense funds that you can offer employees for pre-tax savings, such as health savings accounts and flexible savings accounts, as well as health and retirement reimbursement arrangements. (Note: Aetna’s HSA option is paired only with its high-deductible health plans.) Aetna ranks high on J.D. Power’s Commercial Member Health Plan Study and has an average NCQA rating of 3.3.

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Self-insured funding built for small businesses

Control rising health care costs with Aetna Funding Advantage SM  health plans. You can get the benefits typical for larger groups like surplus sharing, fewer taxes and fees and high-cost claims protection. All in one offering specially designed with your small business in mind.

A monthly payment based on the health trends of your employees — for up to 25 percent savings up front.

Online benefits shopping, enrollment, administration and other simple features for you and your employees.

Stop-loss insurance to limit the risk of high-cost claims, with money back when claims are lower.

Plan designs that provide access to Aetna’s quality, value-based network plus health and wellness benefits.

• Explore Aetna Funding Advantage benefits

A value-added package

You’ve come to the right place to balance health plan costs and quality. Explore competitive benefits, unique funding and stable cost control – with built-in wellness programs and resources to support employee health and well-being long term.

Get lower monthly payments based on health trends, low-cost local network options and 50% of any surplus returned to you at year end when you renew your plan.

Keep your costs predictable and stable with bundled products, funding options, wellness offerings, stop-loss claims protection and more.

Make life easy with a national portfolio of health insurance plan designs, online shopping and benefits administration and one common support model.

Get the job done fast with quick, accurate quoting, auto-case installation, online self-service, fixed national plan designs and more.

We’ve got the perfect fully insured plan for you

Our health benefits and insurance plans are as unique as your small business, with service in markets all across the country. So it’s easy to find quality plans offered in your state.

Public exchange options are also available in selected states through our Small Business Health Options Program (SHOP) coverage .

Everyone saves with health expense funds

As part of a consumer-directed plan, health expense funds benefit employers and employees alike. You get tax savings from salary deductions. And employees get quality care that encourages smart spending.

You can also:

• Cut FICA, unemployment and workers’ comp taxes by lowering payroll taxes
• Offer innovative plans to set aside tax-free money, like for dependent care or parking expenses
• Enhance company benefits package to attract and keep valuable employees

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Home » Blog » Business Insurance » Best Small Business Health Insurance

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Best Small Business Health Insurance

Are you a small business owner looking to offer health insurance to your employees? Check out our picks for the top five best small business health insurance providers.

WRITTEN & RESEARCHED BY

Lead Staff Writer

Last updated on Updated August 24, 2024

REVIEWED BY

Managing Editor

If you’re looking for small business health insurance, you’ve come to the right place.

Knowing what to look for in small business health insurance plans can be tricky, and the options can remain overwhelming. We’re here to break down some of our favorite providers and walk you through the pros/cons of each.

Learn More About Our Top Picks

Read more below to learn why we chose these options.

Table of Contents [ hide ] [ show ]

Why Do You Need Small Business Health Insurance?

The 5 best small business health insurance providers, kaiser permanente: best integrated health care, bluecross blueshield: best provider network, unitedhealthcare: best additional coverage, oscar: best telehealth, aetna: best for self-insured, our methodology for choosing the best health insurance options for small business, what you should look for in a health insurance provider, how much does health insurance cost for a small business, which small business health insurance provider is right for your business.

Table of Contents

Why We Chose Kaiser Permanente For Small Business Health Insurance

Kaiser permanente pricing, kaiser permanente small business health insurance features, kaiser permanente coverage areas, why we chose bluecross blueshield for small business health insurance, bluecross blueshield pricing, bluecross blueshield small business health insurance features, bluecross blueshield coverage areas, why we chose unitedhealthcare for small business health insurance, unitedhealthcare pricing, unitedhealthcare small business health insurance features, unitedhealthcare coverage areas, why we chose oscar for small business health insurance, oscar pricing, oscar small business health insurance features, oscar coverage areas, why we chose aetna for small business health insurance, aetna pricing, aetna small business health insurance features, aetna coverage areas.

Small business health insurance plans are important for business owners like you for a number of reasons.

• It May Be A Legal Requirement: You may be legally required to offer health care to your employees depending on the size of your business. If your business is considered an Applicable Large Employer (ALE) with 50 or more full-time employees for more than six months out of the year, then you will need to provide your employees with health insurance as a legal requirement of the Affordable Care Act.
• Happy & Healthy Employees Are Better For Business: You can do your part to keep your employees happy and healthy, which leads to a better and more productive work environment. Worries about money and health are high on the list of what creates stress in an employee’s life, but health insurance can relieve that stress and make an employee feel valued.
• Keeps You Competitive In The Job Market: Your competitors are most likely already offering it, so staying competitive in the job market will often come down to health care benefits. The reality is that employees want health insurance and are looking for businesses that offer it. These target employees may not consider job offers that come without the benefit of health insurance.
• Helps With Taxes: You can even save on taxes by offering a health care plan depending on the size of your company and your annual income. If you have fewer than 25 employees, your average yearly income is less than $50,000, and you offer health insurance, then you may be eligible for tax credits. Even if you aren’t, the money you spend on employee health is tax deductible. Employee-paid premiums are tax-exempt. Talk to your accountant or tax professional to see if you qualify.

To learn more about small business health insurance and why you should be offering it to your employees, check out our ultimate guide to small business health insurance.

The best small business health insurance options will be affordable, have ample features for both business owners and employees, and offer unique coverage for your unique business. The best options include Kaiser Permanente, BlueCross BlueShield, United Healthcare, Oscar, and Aetna.

• Low co-pays for members
• Wide access to variety of programs
• Easy to get a quote
• Limited availability
• Can’t see doctors out of network
• Expensive treatment for chronic conditions

Kaiser Permanente is hands down your best option for integrated small business health insurance. With an easy-to-use quote tool that will get you the numbers you need in under 15 minutes, Kaiser is an easy option for busy small business owners.

Kaiser Permanente is a nonprofit, integrated healthcare delivery organization. These organizations are also called integrated managed care consortiums. Kaiser takes a coordinated and connected approach to care, which provides convenience and savings for its members.

By offering comprehensive medical, dental, vision, and specialty coverage in their own facilities, Kaiser is able to provide a consistent member experience across each region more easily. They also save members money by ensuring they don’t have to see providers or use pharmacies/labs that might be out-of-network. The convenience of seeing a provider, getting tests done, filling your prescriptions, and scheduling your next appointment with a different provider, all in the same building on the same day, cannot be understated.

If you value integrated care, are located in a state where Kaiser operates, and don’t want to worry about balancing multiple providers for your employees, Kaiser Permanente is the best option for you.

Pricing for Kaiser will vary based on your location, number of employees, and chosen coverage. They make it easy for you to get a quote in under 15 minutes online. You can get three different kinds of quotes:

• All available plans quote
• Select plans quote
• Detailed quote (quote given for individual employees and their situations)
• Thrive Local community partner network
• Integrated care through a personal care team
• Mobile app for medical records and communication

Kaiser’s coverage is currently limited to California, Colorado, Georgia, Hawaii, Maryland, Oregon, Virginia, Washington, and Washington, D.C. While they have plans to continue expanding, Kaiser is at a slight disadvantage to other insurance providers because they don’t contract with other hospitals/facilities and have to build their own.

Get Started With Kaiser Permanente

Jump back to comparison chart

• Partnered with over 1.7 million providers
• Blue365 provides discounts on products and services
• Highly rated by small businesses in most regions
• Poor customer satisfaction in some locations
• Benefits can vary greatly
• Agent must be involved in order to get a quote

BlueCross BlueShield (BCBS) has one of the largest provider networks in the country. It is accepted by over 95% of physicians and 96% of hospitals. This provider is unique in that BCBS isn't one singular entity; it is comprised of 34 independent companies operating under the BCBS name.

BCBS isn't integrated healthcare in that each provider you'll see is a BCBS provider, but it will be easy to find providers that contract with BCBS and are considered "in-network."

BCBS has a specific dedication to serving small businesses. BCBS companies provide coverage for around 7.3 million small business employees.

BCBS is America’s oldest health insurance provider (making it one of the most experienced) and is committed to providing health care coverage that’s high-quality and affordable.

If you’re looking to change insurance providers or offer health insurance for the first time, BCBS is a good option to consider. Because there are so many different providers and facilities that partner with or fall under the BCBS umbrella, there’s a good chance that your employees wouldn’t have to find a new PCP or doctor’s office.

BCBS does offer better options than Kaiser Permanente to those in need of specialty care/procedures, complex care, and management of chronic conditions through their Blue Distinction Specialty Care and Total Care plans.

If you have remote employees in different states/regions, want to work with local providers, or want to take advantage of workplace wellness plans, BCBS is the best choice for you.

In order to obtain a quote from BCBS for your small business, you will have to work with an insurance agent/broker. This means you’ll be waiting longer for your quote.

• Workplace wellness plans
• Blue365 health product discount program
• Local community-based insurance companies
• Telehealth through Anthem
• Chronic/Specialty care management plans

BCBS is available in all 50 states and Washington, D.C., and even offers some international coverage, unlike the other options on our list.

Get Started With BlueCross BlueShield

• Largest insurance provider in America
• Additional coverage beyond medical
• Offers short-term plans
• Some legal action over wrongfully denied claims
• No platinum health insurance plan

The largest insurance provider in the country (and our choice for our Merchant Maverick team), UnitedHealthcare (UHC) is a great choice for business owners looking for more than just medical coverage for their employees. UnitedHealthcare includes options for part-time and seasonal employees, as well as short-term insurance plans.

UHC understands the critical nature of small business health insurance both in retaining/recruiting employees and sustaining productivity/satisfaction. Their small business health insurance plans are designed to help you save money while still providing for your employees’ well-being. They focus on the simplest experience, affordable coverage, and quality supported care for their members.

UHC offers specific plans for businesses with 2-50 employees through their Small Business Store. You can obtain a quote, compare popular plans, and purchase your perfect plan through this store.

Their plans all offer or sometimes even include additional coverage for your employees, like dental, vision, behavioral health, disability, life, and even pet insurance!

If your business has part-time or seasonal employees, you want to provide your employees with other forms of insurance beyond medical or want to take advantage of workplace wellness programs, UHC could be the best choice for you!

Like Kaiser Permanente, UHC makes it easy for you to obtain a quote. Using their Small Business Store, you’ll be able to see what deductibles, copays, and premium amounts are most popular for businesses like yours and get a quote in under 10 minutes.

If you happen to be in a state where the Small Business Store is unavailable, UHC will still provide a quote to you; just visit its website and choose your state.

• Benefit options for part-time and seasonal employees
• In-app services
• Bundle discounts
• Vision, dental, hearing, disability and absence, pet, and life insurance benefits

UHC is available in 49 states (excluding New York) and Washington, D.C.

Get Started With UnitedHealthcare

• $0 virtual urgent care available 24/7
• Convenient and easy-to-use mobile app
• Access to Cigna’s large provider network
• Difficult to get a quote as an employer

Oscar's telehealth experience is far beyond most insurance providers. Alongside their easy-to-use and helpful technology, Oscar is partnered with Cigna, which gives their members access to Cigna's national and local providers. Oscar offers two network options, but both include the Cigna Behavioral Health Network and do not require specialist referrals.

Oscar is about more than just health insurance. They are a company that claims to be there for its members no matter the question or issue, and their 24/7 customer support backs that up.

The Oscar app allows your employees to speak to a doctor online for no cost (for most plans), refill their prescriptions, message their care team, track deductibles, and even receive rewards for meeting fitness goals. From the comfort of home and $0, members are able to talk to a provider 24/7.

Cigna + Oscar also boasts $3 prescriptions for commonly prescribed medications, a team of care guides and a nurse who can answer questions and save members money, and providers dedicated to understanding the language, race, ethnicity, and health situation of every member.

If you’re a company that values accessibility, technology, and resides in one of their limited areas of coverage, Oscar is a great choice for you and your employees.

Cigna + Oscar small business health insurance is similar to BlueCross BlueShield in that you have to work directly with one of their agents to get a personalized quote.

Through their system of $0 virtual urgent care, $0 care teams, and no referrals, Oscar’s website claims that they can save your employees $600 on average per year, according to their 2018 data.

• 24/7 customer support
• $0 virtual urgent care
• Access to Cigna’s network
• Easy-to-use mobile app

Oscar has fairly limited availability at this time. Oscar is available in Georgia, Tennessee, Connecticut, some Arizona counties, some California counties, the Philadelphia metro area, Kansas City, Chicago, and St. Louis.

Because this is a newer and unconventional insurance provider, Oscar is expected to continue to expand to larger areas in the near future.

Get Started With Oscar

• No out-of-pocket expenses for preventative care
• Members choose their own coverage options
• Saves you up to 25% on monthly coverage costs
• High NAIC customer complaint index score
• Subject to IRS reporting requirements

Aetna is our pick for the best self-insurance for small businesses. Opting for self-insurance for your company can save you up to 25% monthly, and the insurer returns a 50% surplus to your business. Aetna also boasts an Excellent financial strength rating, above-average member satisfaction, and $0 copays to visit MinuteClinic locations.

Aetna provides health insurance support specifically designed for small businesses. They offer benefits typically reserved for larger groups, like surplus sharing, lower taxes and fees, and high-cost claims protection.

As an employer, you can receive a monthly payment based on the health trends of your employees for up to 25% savings upfront. You can also access online benefits shopping, enrollment, administration, and other simple and helpful features for you and your employees.

Aetna also offers public exchange options in select states through their Small Business Health Options Program (SHOP) coverage.

Health expense funds included in their consumer-directed plans benefit both employers and employees. Employers receive tax savings from salary deductions, and employees get great care that encourages smart spending.

If you value 24/7 care at little to no cost, want to offer self-insurance to your employees, and want to offer more than just medical coverage, Aetna is a good choice for you!

Like BlueCross BlueShield and Oscar, Aetna’s quoting process is not instant. You will be contacted by an agent with plan options that would work for your business once you complete the information request form.

• Self-insurance funding options
• HSA accounts
• $0 copays for MinuteClinic services
• Medicare, dental, vision, supplemental, and Medicaid plans
• Convenient mobile app

Aetna is available in all 50 states and Washington, D.C. Keep in mind that not all covered regions have MinuteClinic locations, so that benefit might not apply to your plan.

Get Started With Aetna

We considered more than 10 different small business health insurance providers to create this list. We rated these providers based on how easy it is to get a quote, the type of plans offered, features specifically designed to benefit small businesses, member satisfaction, and overall coverage.

We specifically looked at each provider’s personalized quote process. The best companies offer fast, easy, and accurate quotes for prospective new members and tailor their process specifically for owners of small businesses.

We also weigh unincentivized reviews from actual members. That means checking review sites like the Better Business Bureau, G2, and Consumer Reports. We consider members’ experience with these insurance providers and use that to supplement our ranking factors.

We gathered information from each company’s website and representatives to create this list. The Merchant Maverick editorial team reviews information to ensure accuracy.

When deciding on a small business health insurance provider, you need to keep a few things in mind. You want to make sure that you’re getting the best balance of coverage for your employees and cost as a business owner.

The biggest things that will impact the cost of your insurance coverage are:

• Medical history
• Prescription drug coverage
• Number of doctor visits per year
• Available specialists
• Specific employee medical needs
• Plans for pregnancy, surgery, etc.

While it is illegal for you as an employer to ask your employees for health information, you need to ask yourself the following questions:  What benefits do my employees need? How much choice am I giving them? What will their out-of-pocket costs be?

Once you receive a quote from a prospective insurance provider, you will need to evaluate it based on the following criteria:

• Quality of medical care
• Member experience ratings
• Wellness Programs
• Administrative ranking

Learn more about how to understand your small business health insurance quote .

The average cost for small business owners as of 2021 was $547 per employee and $1,175 for family coverage per month. Read more about how to understand your business insurance quote .

The cost of health insurance for a small business per employee is going to depend on the insurance provider, benefits, and type of plan. The average cost for small business owners as of 2021 was $547 per employee and $1,175 for family coverage per month.

This answer is going to depend on all of the factors we’ve gone over today. Do you want excellent telehealth? Integrated care? Get a quote and compare prospective insurance providers to make sure you’re offering the best small business health insurance plans for your employees.

Want more guidance on your small business health insurance journey? Check out o ur how-to guide and learn how you can offer insurance even if you only have one employee .

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Smaller businesses work hard. Managing a busy company means making sure your employees stay healthy and productive. To do this, you need a health plan that takes care of not just their physical health, but also their emotional well-being.

Looking for health plans for 2-50 employees?

Cigna Healthcare SM Small Group plans 2 are traditional, fully insured plans built for small businesses with at least one qualified full-time (or full-time equivalent) employee, other than the business owner or a spouse. Our small group offerings are built around our national and local provider networks and are available to employers in Arizona, Georgia, and Tennessee with 2-50 employees.

Learn more about Cigna Healthcare Small Group health insurance

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To meet your organization's unique needs, Cigna Healthcare designed health plans with small companies in mind, offering fully connected medical, pharmacy, and behavioral health benefits that inspire healthy outcomes.

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We offer large, nationwide networks or locally focused networks with quality doctors and hospitals. 3

Behavioral Health Support

A large network of behavioral clinicians, self-service digital tools 4 , and employee assistance programs promote mental health. 5

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From urgent care to primary care, behavioral and physical therapy, employees have access to a full suite of telehealth options.

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Our comprehensive pharmacy management includes available network, formulary, and member cost saving options.

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The Cigna One Guide service combines technology with empathetic human support to help your employees manage their health.

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1 In most states, Cigna Healthcare offers group insurance coverage to employers with more than 50 full-time employees, as well as administrative services for self-funded plans with as few as 25 full-time employees.

2 Cigna Healthcare offers groups insurance coverage to employers with less than 50 full-time employees in the following geographies: Arizona, Georgia, and Tennessee.

3 Network and funding options vary by market.

4 Program services are provided by independent companies/entities and not by Cigna Healthcare. Programs and services are subject to all applicable program terms and conditions. Program availability is subject to change.

5 Employee assistance program services are in addition to, not instead of, health plan benefits. These services are separate from health plan benefits and do not provide reimbursement for financial losses. Customers are required to pay the entire discounted charge for any discounted legal and/or financial services. Legal consultations related to employment matters are excluded. Additional restrictions may apply. Program availability may vary by plan type and location, and are not available where prohibited by law.

6 Cigna Healthcare provides access to virtual care through national telehealth providers as part of your plan. This service is separate from your health plan's network and may not be available in all areas.

Product availability may vary by location and plan type and is subject to change. All group health insurance policies and health benefit plans contain exclusions and limitations. For costs and details of coverage, contact a Cigna Healthcare representative.

Cigna Healthcare products and services are provided exclusively by or through operating subsidiaries of The Cigna Group, including Cigna Health and Life Insurance Company (Bloomfield, CT), or its affiliates. In Utah, all products and services are provided by Cigna Health and Life Insurance Company (Bloomfield, CT). Policy forms: OK – HP-APP-1 et al., OR – HP-POL38 02-13, TN – HP-POL43/HC-CER1V1 et al. (CHLIC); GSA-COVER, et al. (CHC-TN).

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Individual and family medical and dental insurance plans are insured by Cigna Health and Life Insurance Company (CHLIC), Cigna HealthCare of Arizona, Inc., Cigna HealthCare of Illinois, Inc., Cigna HealthCare of Georgia, Inc., Cigna HealthCare of North Carolina, Inc., Cigna HealthCare of South Carolina, Inc., and Cigna HealthCare of Texas, Inc. Group health insurance and health benefit plans are insured or administered by CHLIC, Connecticut General Life Insurance Company (CGLIC), or their affiliates (see a listing of the legal entities  that insure or administer group HMO, dental HMO, and other products or services in your state). Accidental Injury, Critical Illness, and Hospital Care plans or insurance policies are distributed exclusively by or through operating subsidiaries of The Cigna Group Corporation, are administered by Cigna Health and Life Insurance Company, and are insured by either (i) Cigna Health and Life Insurance Company (Bloomfield, CT). The Cigna Healthcare name, logo, and other Cigna Healthcare marks are owned by The Cigna Group Intellectual Property, Inc.

All insurance policies and group benefit plans contain exclusions and limitations. For availability, costs and complete details of coverage, contact a licensed agent or Cigna Healthcare sales representative. This website is not intended for residents of New Mexico.

Selecting these links will take you away from Cigna.com to another website, which may be a non-Cigna Healthcare website. Cigna Healthcare may not control the content or links of non-Cigna Healthcare websites. Details

La aseguradora publica el formulario traducido para fines informativos y la versión en inglés prevalece para fines de solicitud e interpretación.

The insurer is issuing the translated form on an informational basis and the English version is controlling for the purposes of application and interpretation.

California health insurance plans

You have more insurance options for your health than you think, California

If you’re self-employed or without insurance from your employer — in other words, you’re looking for individual or family health insurance in California — you might be looking for Affordable Care Act insurance, what's often called Obamacare. However, we want to make you aware of the whole range of individual and family insurance products we have available in your state.

Supplemental, dental and vision insurance in California

Hospital & doctor insurance.

Health ProtectorGuard fixed indemnity insurance , 1  underwritten by Golden Rule Insurance Company, can supplement your major medical plan by paying cash for eligible, covered medical services, like a doctor visit, a trip to urgent care or a surgical procedure.

• No deductibles or copays to pay first
• Benefits paid regardless of other insurance
• Money to pay costs not covered by major medical plans, like a deductible

Hospital indemnity insurance

A hospital stay due to injury or sickness isn’t something you can predict, but you can prepare. Hospital insurance 1 is designed to pay cash benefits for qualifying hospital stays and related medical costs.

California dental plans

Dental insurance plans, underwritten by Golden Rule Insurance Company, have no age limit restrictions. 2 They offer coverage for the dental services many medical insurance plans don’t include. 

California vision plans

Vision insurance plans, underwritten by Golden Rule Insurance Company, have no age limit restrictions. 2 They offer coverage for the vision services many medical insurance plans don’t include. 

Accident insurance

Accidents happen when you least expect them. Accident insurance 1 can help financially cover some costs related to accidental injury and treatment.

Critical illness insurance

A critical illness can happen when you least expect it. Those unexpected expenses can strain any budget.  Critical illness insurance 1 can help by paying cash benefits for covered illnesses.

Looking for other health plans?

• Small business plans
• Self-employed health insurance plans
• College student health insurance

Need help finding a plan?

Answer a few questions to see which insurance options may be available for you.

Medicare plans

Health insurance for individuals who are  65 or older , or those under 65 who may qualify because of a disability or another special situation.

Call 1-844-232-1426 to learn more.

Medicaid plans

We offer low cost or no cost health insurance plans for those with limited incomes.

Covered California’s Rates and Plans for 2025: The Most Financial Support Ever to Help More Californians Pay for Health Insurance

La versión en español de este Comunicado puede ser descargada en este enlace.

SACRAMENTO, Calif. — Covered California announced its health plans and rates for the 2025 coverage year with a preliminary weighted average rate increase of 7.9 percent.

The rate change can be attributed to many factors, including a continued rise in health care use, increases in pharmacy expenditures, the rising cost of care, labor shortages and other issues affecting the health care industry.

Because of the robust financial help available to Covered California enrollees, many will see a small impact, if any, to their monthly cost. Covered California, with the support of Gov. Newsom and the California Legislature, has worked to reduce the impact of increased consumer costs in 2025 by providing more support for its state-enhanced cost-sharing reduction (CSR) program, which will eliminate deductibles and lower the cost of care for over a million Californians.

“The stability of Covered California’s marketplace helped us deliver a lower rate change than last year, and the expansion of the state’s innovative cost-sharing reduction program will bring even greater affordability to our consumers in 2025,” said Covered California Executive Director Jessica Altman. “Combined with the continued enhanced federal subsidies through the Inflation Reduction Act, Californians will have more assistance paying for their health insurance than ever before. And with Affordable Care Act coverage now being made available for Deferred Action for Childhood Arrivals (DACA) recipients beginning Nov. 1, a record number of Californians will have access to coverage.”

California’s Individual Market Rate Change for 2025

While increases in the cost of health care continue to drive premium increases, the rates are more than a one-year story.

Over the past five years, these trends — combined with a big jump in enrollment due to the COVID-19 pandemic, increased federal and state subsidies, and implementation of the state penalty for going without coverage — have affected premium levels for Covered California in different ways.

With steady enrollment, a strong marketplace and active negotiations with health insurance carriers to ensure consumers are receiving the best value, Covered California has held the compounded average annual rate increase over the past half decade to just 5 percent.

Table 1: California’s Individual Market Rate Changes

The 7.9 percent increase reflects an average of proposed rates across all health insurers that offer individual plans. Rates can differ greatly by plan and region (see Table 2: Covered California Individual Market Rate Changes by Rating Region and Table 3: California Individual Market Rate Changes by Carrier).

The preliminary rates have been filed with California’s Department of Managed Health Care and are subject to final review and public comment. The final rates will go into effect on Jan. 1, 2025.

New State Funding Leads to Highest Levels Ever of Financial Help in 2025

In 2024, California implemented its first-ever state-funded enhanced cost-sharing reduction (CSR) program. For Californians at or below 250 percent of the federal poverty level, the program improved health care affordability and access to care by eliminating deductibles in all three Silver CSR plans. It also lowered generic drug costs and copays for medical visits and reduced other out-of-pocket costs. To date, over 800,000 Californians have benefited from the program.

This year, Gov. Newsom and the California Legislature increased the amount of state funds available for the enhanced cost-sharing reduction program, appropriating $165 million to expand eligibility for it. As a result, in 2025 Californians with incomes above 200 percent of the federal poverty level (FPL) will be eligible to enroll in an Enhanced Silver 73 plan with no deductibles and reduced out-of-pocket costs, while those under 200 percent FPL will continue to have access to higher levels of benefits. This change will further reduce financial barriers to accessing health care and simplify the process of shopping for health insurance.

For example, a 21-year-old in Los Angeles County at 150 percent of the federal poverty level, or an annual income of $22,590, with an Enhanced Silver 87 plan ** ** will continue to have a $0 premium after subsidies, in addition to prescription drugs as low as $5 per month and no deductibles.

A family of four in Kern County at 325 percent of the federal poverty level, or an annual income of $101,400, with a Silver plan could expect a premium change of about $20 per month, but they would now qualify for Covered California’s expanded cost-sharing reduction Silver 73 plan in 2025. They would have no deductibles, and a visit to their primary care physician would drop from $50 to $35 per visit, among other benefits.

In fact, with the state-enhanced cost-sharing reduction subsidies in place, anyone who chooses a Silver cost-sharing reduction plan with Covered California will have no deductibles.

“With record enrollment in our 11 th year, the Affordable Care Act is thriving in California,” Altman said. “Nearly 90 percent of Covered California’s enrollees are receiving financial help, and many are paying $10 or less per month for their health insurance. In 2025, many people who receive financial help will see no change to their monthly premiums, and many more will have their deductibles eliminated entirely.”

Nearly 25 percent of current enrollees are estimated to have a $0 premium in 2025, a jump from 20 percent in 2024. And if their enrollment and income level remain steady, nearly 60 percent of current enrollees will see no change, or they will see a reduction in their monthly premium with the financial help they receive.

Increased Competition, More Consumer Choice

Covered California’s strong enrollment, combined with one of the healthiest consumer pools in the nation, continues to attract health carriers, which has resulted in increased competition and choices that benefit Californians.

In 2025, with 12 health carriers providing insurance across the state, all Californians will have two or more choices, 92 percent will be able to choose three carriers or more and 85 percent will have four or more carriers to choose from.

Some changes for 2025 include Kaiser Permanente’s partial entrance into Monterey County, as Valley Health Plan exits the region. Kaiser will cover 55 percent of the enrollees in Monterey County, which includes 15 ZIP codes [1] .

Opportunities for Californians to Enroll in Coverage for 2025

Covered California’s open-enrollment period, when consumers can sign up for coverage for all of 2025, begins on Nov. 1 and runs through Jan. 31, 2025.

• While the rate changes and increased choices will not go into effect until coverage begins on Jan. 1, Californians who experience major life events, such as losing health coverage, getting married, having a baby or permanently moving to California, can enroll now during the ongoing special-enrollment period. A full list of qualifying life events can be found here .
• Also beginning on Nov. 1, DACA recipients will be able to enroll in Covered California marketplace plans. Estimates indicate there are about 40,000 DACA recipients in Californian who will be newly eligible for coverage. Covered California will also have a special-enrollment period that begins on Nov. 1 that will allow DACA recipients to sign up for a plan throughout the remainder of the year. Those who apply in November can have their plan start as early as Dec. 1.
• The Medi-Cal to Covered California Enrollment Program will continue to automatically enroll individuals in one of its low-cost health plans when they lose Medi-Cal coverage and gain eligibility for financial help through Covered California. Through early June of 2024, the program has helped 160,000 ** ** Californians remain insured over the past year.

Table 2: Covered California Individual Market Rate Changes by Rating Region

Table 3: California Individual Market Rate Changes by Carrier

About Covered California

Covered California is the state’s health insurance marketplace, where Californians can find affordable, high-quality insurance from top insurance companies. Covered California is the only place where individuals who qualify can get financial assistance on a sliding scale to reduce premium costs. Consumers can then compare health insurance plans and choose the plan that works best for their health needs and budget. Depending on their income, some consumers may qualify for the low-cost or no-cost Medi-Cal program.

Covered California is an independent part of the state government whose job is to make the health insurance marketplace work for California’s consumers. It is overseen by a five-member board appointed by the governor and the Legislature. For more information about Covered California, please visit http://www.coveredca.com/ .

[1] 93901, 93902, 93905, 93906, 93907, 93912, 93915, 93933, 93955, 93962, 95004, 95012, 95039, 95076, 95001, 95003, 95005, 95006, 95007, 95010, 95017, 95018, 95019, 95033, 95041, 95060, 95061, 95062, 95063, 95064, 95065, 95066, 95067, 95073, 95076, 95077

[2] Effectuated enrollment for health insurance in March 2024.

[3] Shop and switch refers to the average rate change consumers could see if they shop around and switch to the lowest-cost plan in their current metal tier.

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China's deflationary pressures build in Sept, consumer inflation cools

China's consumer inflation unexpectedly eased in September, while producer price deflation deepened, heightening pressure on Beijing to roll out more stimulus measures quickly to revive flagging demand and shaky economic activity.

Multiemployer plans struggle to establish health accounts

• by Joanne Wojcik
• Dec 4, 2005

HONOLULU—The lack of U.S. Treasury Department guidance on the use of consumer-driven health plans in multiemployer environments makes it difficult, though not impossible, for multiemployer plans to offer health reimbursement arrangements and health savings accounts in conjunction with high-deductible health plans, according to one expert.

But it should be relatively easy for multiemployer plans to introduce elements of consumerism to help curb future cost increases, suggested Kathy Linton, senior manager of the integrated health group for Deloitte Consulting L.L.P. in Seattle.

Many multiemployer plans governed by the Taft-Hartley Act have had in place for several years personal care accounts that function much like health reimbursement arrangements. But such accounts are fully funded and held in trust, unlike the HRAs that are established by individual employers and funded as needed, according to Phyllis C. Borzi, of counsel at O’Donoghue & O’Donoghue L.L.P. in Washington.

Numerous obstacles prevent multiemployer plans from simply converting those fully funded Taft-Hartley accounts into health savings accounts, Ms. Borzi explained during a conference session on designing consumer-driven health plans in the multiemployer environment at the 51st annual meeting of the International Foundation of Employee Benefit Plans, held Nov. 12-17 in Honolulu.

In particular, Internal Revenue Service rules governing such accounts apply only to single-employer plans, not multiemployer plans governed by collective bargaining agreements, she noted.

For example, the IRS has made HRAs subject to the health care continuation requirements of the Consolidated Omnibus Budget Reconciliation Act. But it would be hard for a multiemployer plan to determine what premium should be charged for COBRA coverage, Ms. Borzi said, because employer contributions to multiemployer plans vary from month to month based on the number of hours a participant works.

A group of lawyers representing Taft-Hartley plans has been meeting with federal regulators to come up with a way to make HSAs work in a multiemployer environment, she added. So far, the IRS has suggested using the average number of hours worked over the year as a gauge, she said.

Despite these obstacles, it may be possible for a Taft-Hartley plan to offer a high-deductible plan as an option, allowing participants who choose that option to establish their own HSAs, Ms. Borzi suggested.

The Northern California General Teamsters Security Fund is offering a high-deductible plan to its participants, and the participating employers have agreed to fund the HSAs that are being offered in conjunction with them as part of a collective bargaining agreement, she acknowledged.

Even though it would be difficult to replace a multiemployer health plan with a consumer-driven health plan with a high deductible and either a health reimbursement arrangement or a health savings account, it is still possible to introduce some elements of consumerism to plan participants, according to Ms. Linton.

For example, prescription drug co-payments could be replaced with percentage-based co-insurance, she suggested. If the retail prices of prescription drugs are made more transparent to participants, they might choose to use those that cost less, she said.

“This is probably one of the biggest opportunities from a cost savings perspective to make a change that gets immediate results,” Ms. Linton said. “It is an area that’s ripe for it, because the information is available on prescription drugs. You can go out and compare the cost of drugs relatively easily.”

Plan sponsors also should find out what consumerism tools their current vendors have to offer, such as Internet-based health care and prescription drug cost calculators, provider quality reports, health-based newsletters, toll-free help lines staffed by nurses and health advocate services, she suggested.

Other ways to introduce consumerism are to provide incentives for plan participants to take health risk assessments and to participate in disease management programs when chronic conditions are found.

But Ms. Linton warned that adding a high-deductible health plan as an option rather than a full replacement could result in adverse selection against other plans.

“You want to make sure not just your young, healthier participants are going into your consumer-driven health care plan,” she said. “You would see a decrease in the plan costs for that group; however, your other health care programs might experience an increase.”

Peter J. Kaehler, president and chief executive officer of Compre Healthcare Solutions in St. Paul, Minn., moderated the session.

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540 Health Insurance Company Name Ideas That Inspire Confidence

Choosing the right name for your health insurance company can make a big difference. It helps build trust and makes your business memorable.

Here are 540 health insurance company name ideas.

Creative Health Insurance Company Name Ideas

Choosing a creative name for your health insurance company can help it stand out in a crowded market. Here are 30 unique suggestions to inspire you:

• Health Haven
• Wellness Works
• Vitality Shield
• Thrive Insurance
• Health Mosaic
• Nurture Net
• Empower Health
• FitWise Assurance
• Joyful Care
• WellBeing Group
• SafeGuard Health
• CareConnect
• LifeMap Health
• Harmony Health Plans
• BrightPath Insurance
• HealthCraft
• Unity Health
• ClearChoice Health
• NextGen Wellness
• HappyLife Insurance
• Roots of Health
• Optimum Care
• Bright Horizons Health
• Serenity Health
• Pioneer Health
• Caring Hands Health
• Fresh Start Insurance
• LifeGuard Health
• Dependable Health Solutions

Cool Health Insurance Company Names

A cool name can give your health insurance company a modern and appealing vibe. Here are 30 suggestions that fit the bill:

• Health Tribe
• Chill Health
• Zenith Insurance
• Edge Health Plans
• Vibe Health
• Flux Insurance
• Next Wave Health
• Pulse Health
• Radiant Insurance
• Elevate Health
• Sync Health Solutions
• Momentum Health
• OnPoint Insurance
• Urban Health
• Dynamic Care
• Infinity Health
• Fusion Health Plans
• Innovate Insurance
• Epic Health
• Revive Health
• Strive Health
• Sphere Health
• Visionary Insurance
• Radiance Health
• Collective Care
• NexGen Health
• Bold Health Solutions
• SyncSure Health
• Nova Health Plans
• Tranquil Insurance
• Pivot Health

Funny Health Insurance Company Name Ideas

A humorous name can make your health insurance company memorable and approachable. Here are 30 funny suggestions that bring a smile:

• Health Insurance for the Uninsured
• Giggle Guard Insurance
• Oops! Health Plans
• Oopsie Daisy Insurance
• Get Well Soon Insurance
• Cover Your Assets Health
• Health Care in Your Pajamas
• Health Shenanigans
• Hurt Happens Insurance
• Bad Luck Health Plans
• Whoops! Health Coverage
• Cough and Cover
• Life Happens Insurance
• Bandaid Health
• No Worries Insurance
• Smiles & Coverage
• Emergency! Health Plans
• We’ve Got You Covered Health
• Oopsie Care
• Don’t Panic Insurance
• Health Hilarity
• Just Kidding Health
• Chill and Heal Insurance
• Whoopsie Daisy Plans
• Don’t Worry, Be Healthy
• Witty Wellness Insurance
• Laughing Gas Health
• Hapless Health
• Quirky Coverage
• Peace of Mind Insurance
• Funny Bone Insurance

Unique Health Insurance Company Names

A unique name can set your health insurance company apart from the competition. Here are 30 distinctive suggestions to spark your creativity:

• Health Horizons
• Pillar of Health
• WellSpring Insurance
• Haven Health
• Serene Care
• Boundless Health Plans
• Evergreen Health
• Holistic Health Assurance
• Radiant Life Insurance
• Safe Harbor Health
• EverCare Insurance
• Vital Links
• Horizon Wellness
• Solace Health
• Altruist Insurance
• LifeSpring Assurance
• Beacon Health
• Embrace Health
• Essence Insurance
• Unity Assurance
• EverCare Solutions
• Beacon Wellness
• Zenith Assurance
• Harmonic Health Plans
• Quantum Health
• Luminous Care
• Synergy Health
• Compass Health Insurance
• Ataraxia Insurance
• Altura Health Plans
• VitalSphere Insurance

Cute Health Insurance Company Name Ideas

A cute name can create a friendly and inviting image for your health insurance company. Here are 30 adorable suggestions to consider:

• Cuddle Care Insurance
• Sunny Day Health
• Honeybee Health
• Little Star Health Plans
• Snuggle Health
• Cheery Care
• Bunny Blessings Insurance
• Rainbow Wellness
• Happy Hearts Health
• Warm Wishes Insurance
• Love and Care Health
• Kitty Comfort Insurance
• Care Bear Health
• Sweet Pea Insurance
• Daisy Care Plans
• Tiny Tots Health
• Sprout Health
• Cuddlebug Insurance
• Caring Critters Health
• Buttercup Wellness
• Gentle Touch Health
• Little Love Insurance
• Happy Camper Health
• Peachy Keen Insurance
• Twinkle Health Plans
• Snuggly Care
• Precious Health
• Fluffy Health Insurers
• Puddle Jumpers Health
• Whimsical Wellness
• Sweet Surrender Insurance

Clever Health Insurance Company Names

A clever name can convey intelligence and professionalism while making your health insurance company memorable. Here are 30 clever suggestions to inspire you:

• InsureRight
• HealthWise Insurance
• PennyWise Health
• PlanWell Insurance
• Mindful Health
• Safeguard Solutions
• SecureStep Health
• SureCare Insurance
• WellGuard Insurance
• CoverIt All
• Informed Choices Health
• SmartShield Insurance
• Healthy Foundry
• Clever Coverage
• Trusty Health
• HealthSage Insurance
• Safe Haven Health
• WiseCoverage
• ClearPath Insurance
• Healthy Picks Insurance
• Careful Plans
• Insight Health Solutions
• ProActive Care
• Health Insight Insurance
• Calculated Care
• Choice Health Plans
• SurePath Health
• Health Solutions Hub
• Brainy Health Plans

Short Health Insurance Company Name Ideas

A short name can be catchy and easy to remember, making it perfect for your health insurance company. Here are 30 concise suggestions:

Catchy Health Insurance Company Names

A catchy name can grab attention and leave a lasting impression on potential customers. Here are 30 catchy suggestions for your health insurance company:

• Happy Health Plans
• SmartCare Insurance
• Health Heroes
• Wellness Warriors
• Better Life Insurance
• Care Crusaders
• BrightSide Health
• Vitality Vault
• Care Champs
• Feel Good Health
• Caring Corner
• Flourish Health
• Wellness Wonders
• Vibrant Health Plans
• Smart Moves Insurance
• Care Compass
• Gentle Guardian Insurance
• Thrive Health Group
• Right Choice Insurance
• Well + Wise
• Health and Happiness
• Care Pathways
• ClearCover Health
• SureHaven Insurance
• Health Harmony
• TrueCare Insurance
• Care Connect
• Joyful Journeys Health

Affordable Health Insurance Company Names

An affordable name can convey value and accessibility, attracting budget-conscious customers. Here are 30 suggestions for your health insurance company that emphasize affordability:

• Value Health Plans
• Affordable Care
• Budget Health Insurance
• Smart Savings Health
• Cost-Effective Care
• Healthy Savings
• Great Value Insurance
• WiseChoice Health
• Care on a Budget
• Thrifty Health Plans
• Economy Health
• FamilyFirst Insurance
• Access Health Solutions
• WiseHealth Insurance
• ValuePack Health
• Health at Hand
• Easy Care Plans
• Smart Shield Insurance
• Affordable Ally
• HealthSaver Insurance
• SureValue Health
• WellWorth Insurance
• Bargain Health Plans
• Fit For Less Insurance
• Health Solutions for All
• Clear Value Insurance
• Simple Health Plans
• BudgetWise Health
• Everything Health
• Friendly Pricing Insurance
• Safe & Affordable Health

Family Health Insurance Company Name Ideas

A family-focused name can emphasize care and protection for loved ones. Here are 30 suggestions for your family health insurance company:

• Family First Health
• Protective Health Plans
• Care for Families
• Loved Ones Insurance
• Whole Family Health
• Family Assurance
• United Family Health
• Family Care Partners
• Safe Family Health
• Whole Health Family
• Together Health Plans
• Family Shield Insurance
• Heartfelt Health
• Caring Family Insurance
• Family Wellness Group
• Home Health Plans
• Circle of Care Health
• Nurturing Health Insurance
• Family Roots Insurance
• Strong Family Health
• Harmony Health Family
• Affectionate Care
• FamilyLink Insurance
• Care Together Plans
• Safe Harbor Family Health
• Allied Family Health
• Compassionate Family Care
• Generations Health Insurance
• CareNest Family Insurance
• Family Connect Health
• Health for Every Family

Senior Health Insurance Company Names

A name that targets seniors can convey trust and comfort, ensuring them that their health needs are understood. Here are 30 suggestions for your senior health insurance company:

• Golden Years Health
• WiseCare Insurance
• Senior Shield Health
• Silver Lining Health Plans
• Evergreen Care Insurance
• New Horizons Health
• Senior Safeguard
• Care for Seniors
• Heartfelt Senior Insurance
• AgeWell Health
• Senior Connect Insurance
• Comfort Health Plans
• Graceful Living Insurance
• Lifetime Care Solutions
• Trusted Age Insurance
• Retirement Health Plans
• WiseChoice Senior Insurance
• Senior Prosperity Health
• Senior Benefits Health
• Serenity Senior Care
• Seniors’ Choice Insurance
• CareCircle Health
• Lifeline Senior Plans
• Peaceful Aging Health
• Golden Generations Insurance
• Senior Wellness Assurance
• Forever Young Health
• Tranquil Ages Insurance
• Heritage Health Plans
• Stellar Senior Health
• Life Journey Insurance
• Vibrant Years Health

Corporate Health Insurance Company Name Ideas

A strong corporate name can reflect professionalism and reliability, appealing to businesses seeking health coverage for employees. Here are 30 suggestions for your corporate health insurance company:

• Enterprise Health Solutions
• Peak Performance Insurance
• Corporate Wellness Plans
• WorkForce Health
• Global Health Assurance
• Unity Corporate Health
• Business Health Partners
• Catalyst Health Insurance
• ProHealth Corporate Plans
• Success Health Insurance
• ConnectHealth Solutions
• Allied Corporate Health
• Elevate Health Plans
• Corporate Care Network
• Thrive Corporate Insurance
• HealthLink Solutions
• Optimal Corporate Coverage
• Wise Business Health
• Integrity Health Plans
• Unified Health Solutions
• Strategic Health Insurance
• Synergy Corporate Care
• Corporate Advantage Health
• HealthStream Coverage
• Proactive Corporate Insurance
• Essential Health Partners
• Comprehensive Care Solutions
• Fortress Health Insurance
• Premier Corporate Plans
• Enterprise Wellness Insurance
• TrueCoverage Health
• Integral Health Plans

Pet Health Insurance Company Names

A name that focuses on pets can attract animal lovers and convey a sense of care for furry friends. Here are 30 suggestions for your pet health insurance company:

• Pawsitive Care Insurance
• Furry Friends Health
• Pet Guardian Insurance
• Happy Tails Health Plans
• Pet Wellness Insurance
• Companion Care Health
• PawProtect Insurance
• Whisker Wellness
• Cheerful Pet Insurance
• Fido’s Health Plans
• Kitty Care Coverage
• Trusty Tails Insurance
• K9 Comfort Insurance
• CuddleCare Pet Plans
• Pet Health Shield
• Tailwaggers Insurance
• Paw & Claw Health
• Precious Pets Insurance
• Safe Paws Health
• Animal Health Assurance
• Pets First Insurance
• Four-Legged Care
• Paws & Claws Health
• PetPal Insurance
• Furry Family Insurance
• Canine & Feline Health Plans
• Pet Care Solutions
• Happy Pets Health
• Companionship Care
• Beloved Buddies Insurance
• TailEnd Health Plans

Digital Health Insurance Company Name Ideas

A digital-focused name can highlight innovation and convenience in the health insurance industry. Here are 30 suggestions for your digital health insurance company:

• SmartHealth Insurance
• eCare Solutions
• Digital Health Guard
• HealthTech Plans
• VirtualCare Insurance
• eHealth Assurance
• HealthNet Online
• TechCare Plans
• MyHealth Portal
• CloudCare Insurance
• Cyber Health Insurance
• TeleHealth Security
• Digital Wellness Plans
• Innovate Health Insurance
• NextGen Health
• Digital Shield Insurance
• ePolicy Health
• Health Connect Online
• DataDriven Health
• HealthSphere Insurance
• Virtual Wellness Coverage
• HealthWave Insurance
• Digital Life Insurance
• HealthLink Digital
• TechWise Health
• eSecure Insurance
• Connected Health Plans
• SmartPolicy Health
• HealthIQ Online
• QuickAccess Health
• Digital Care Solutions

Eco-Friendly Health Insurance Company Names

A name that reflects eco-friendliness can attract environmentally conscious customers and convey a commitment to sustainability. Here are 30 suggestions for your eco-friendly health insurance company:

• GreenShield Insurance
• EarthCare Health
• Sustainable Health Plans
• EcoHealth Assurance
• Nature’s Protection Health
• Healthy Planet Insurance
• EcoWise Health
• GreenPath Insurance
• Conscious Care Insurance
• EnviroHealth Plans
• PureEarth Insurance
• EarthFirst Health
• Eco Ally Plans
• Natural Health Insurance
• Health for Earth
• GreenGuard Health
• EcoFriendly Insurance
• Flourish Health Solutions
• BreatheEasy Insurance
• Harmonize Health
• VitalEarth Health
• EcoBridge Insurance
• Gaia Health Assurance
• Renew Health Insurance
• WiseGreen Insurance
• ConservingHealth Plans
• EcoVision Health
• EarthWise Insurance
• Green Leaf Health
• Safe Haven EcoHealth

Student Health Insurance Company Name Ideas

A name focused on students can highlight affordability and accessibility, making it appealing to young adults. Here are 30 suggestions for your student health insurance company:

• Campus Care Insurance
• Student Health Plus
• EduHealth Insurance
• Smart Student Health
• StudentLife Insurance
• College Health Plans
• Health for Scholars
• StudySafe Insurance
• Student Secure Health
• Healthy Campus Plans
• CollegeGuard Health
• Student Wellness Insurance
• Young Adult Health
• StudentOption Insurance
• HealthWise Student Plans
• Caring Scholars Insurance
• Student Connect Health
• AffordHealth for Students
• Future Leaders Health
• Campus Shield Insurance
• Active Student Health
• HealthSmart Scholars
• College Plan Insurance
• Youth Health Assurance
• Student Health Solutions
• NextGen Student Care
• Wise Student Insurance
• Student Protect Plans
• Bright Futures Health
• Campus Assurance
• Empower Student Health

Global Health Insurance Company Names

A name that emphasizes a global perspective can attract customers seeking comprehensive health coverage around the world. Here are 30 suggestions for your global health insurance company:

• Global Health Connect
• World Care Insurance
• Universal Health Assurance
• GlobalGuard Insurance
• World Wellbeing Plans
• CrossBorders Health
• International Health Solutions
• GlobalReach Insurance
• WorldWide Health Plans
• Health Without Borders
• Global Shield Insurance
• Universal Care Plans
• HealthSphere Global
• Odyssey Health Insurance
• Compass Health Worldwide
• GlobalSafe Insurance
• International Care Assurance
• WorldLink Health
• SecureWorld Insurance
• Global Advantage Health
• OneWorld Health Plans
• Health Compass International
• AllAround Health
• GlobalVista Insurance
• WorldWise Health
• Transnational Coverage
• Universal Health Network
• Everywhere Health Insurance
• Global Assurance Plans
• Planet Health Insurance
• Global Unity Health
• Health Navigator Worldwide

Faith-Based Health Insurance Company Name Ideas

A faith-based name can resonate with customers seeking health coverage aligned with their values and beliefs. Here are 30 suggestions for your faith-based health insurance company:

• Faithful Health Plans
• Blessed Assurance Insurance
• Grace Health Insurance
• Divine Care Solutions
• Hopeful Health Insurance
• Shepherd’s Health Plans
• FaithLink Insurance
• Covenant Care Insurance
• Trust in Health
• Good News Health
• FaithGuard Insurance
• SpiritCare Health
• Lifeline of Faith
• Charity Health Plans
• Faithful Protection
• Unity Health Assurance
• Blessed Health Network
• Health for the Soul
• Hope Health Assurance
• Faith-Based Health Solutions
• Everlasting Care Insurance
• Faithful Wellness Plans
• Harvest Health Insurance
• Promises Health Plans
• Angel Care Insurance
• Joyful Health Insurance
• Divine Mercy Health
• Promise Health Network
• Faith and Family Insurance

Key Tips for Naming Your Health Insurance Company

Creating a strong name for your health insurance company takes thought and planning. Here are some tips to help you find the perfect name.

Make It Easy to Spell and Pronounce

Your company’s name should be easy for people to say and spell. Complicated names can confuse potential customers and make it harder for them to remember you.

Reflect Your Company’s Values and Mission

The name should clearly reflect what your company stands for. Think about the services you provide and how you want your customers to feel about your company.

Keep It Short and Simple

Short names are easier to remember and often make a bigger impact. Try to keep your name to just one or two words to avoid any confusion.

Avoid Trends and Buzzwords

Trendy names might sound cool now but can quickly become outdated. Choose a name that will stand the test of time and remain relevant as your company grows.

Check for Availability

Ensure that the name you want is available as a domain name and on social media platforms. This will make it easier for customers to find you online.

Test It Out

Before making a final decision, test the name with friends, family, or potential clients. Get their feedback on how it sounds and what it makes them think of.

Consider Future Growth

Think about where you want your company to be in the future. Choose a name that allows for expansion into new areas and services without limiting your options.

Final Thoughts

The right name for your health insurance company can help it stand out and attract clients. With 540 ideas to choose from, there’s something that will suit every business. Pick the option that best fits your vision. Consider using the name generator at the top of the page for suggestions tailored specifically to your needs.

CMO of Rontar. I’m interested in entrepreneurship, sales and marketing. As part of my day-to-day routine I do everything from creating marketing strategy to starting advertising campaigns. Sometimes I write for our marketing blog. When not at work, I do sports, lead a healthy lifestyle and keep up on everything that is connected with this.

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ManipalCigna launches three health insurance plans for the 'missing middle'

Manipalcigna's sarvah aims to offer complete health insurance protection to shield individuals and families from unforeseen high healthcare costs, thereby preventing households from facing financial crises..

• Updated Oct 07, 2024, 4:42 PM IST

ManipalCigna Health Insurance has introduced a new range of health insurance products tailored for the middle class. Named ManipalCigna Sarvah, these offerings are aimed at providing comprehensive health coverage at an affordable price, catering to a wider customer base, with a particular emphasis on India's missing middle population.

In India, the burden of diseases encompasses communicable, non-communicable, and lifestyle-related illnesses. The 'Health Insurance for India's Missing Middle' report by NITI Aayog highlighted that a significant portion of the population, estimated at around 30% or 35-40 crore individuals, belonging to 'The Missing Middle' segment lack adequate financial protection for their health.

To address this gap in health insurance coverage in the country and cater to diverse customer segments, including the missing middle, ManipalCigna has launched 'Sarvah'. This initiative aims to offer complete health insurance protection to shield individuals and families from unforeseen high healthcare costs, thereby preventing households from facing financial crises.

ManipalCigna Sarvah Uttam offers personalized and comprehensive health insurance coverage with an infinite coverage option under the name Anant, allowing customers to have the flexibility and protection needed to face life's most critical health challenges.

Top features:

o    This plan provides comprehensive and customizable coverage with several optional coverages along withan option to avail cover from 31st day named ‘Sarathi’for the pre-existing conditions such as Asthma, Diabetes, Hypertension, Obesity and Dyslipidaemia. o    Anant Benefit provides unlimited coverage for hospitalization arising due to cancer, heart, stroke and major organ/bone marrow transplants,available with a base Sum Insured of Rs 10 Lacs and above.

ManipalCigna Sarvah Param provides Day 1 coverage without any waiting period, ensuring that customers can immediately access quality healthcare. With unlimited sum assured, customers can have peace of mind and continuous coverage right from the start.

o    Customers can enjoy comprehensive hospitalization coverage up to Rs 3 crore for cancer, heart, stroke, and major organ/bone marrow transplants. o    Customers also have the optional cover to start their coverage from day 31 for pre-existing conditions such as Diabetes, Hypertension, Dyslipedaemia, Asthma and Obesity without the usual 36-month waiting period.

ManipalCigna Sarvah Pratham offers an essential and cost-effective health insurance option designed for the missing middle. This plan caters to both new and existing customers seeking enhanced coverage for major illnesses and accidents requiring hospitalisation.

With Sarvah Param, customers are covered for pre-existing conditions and for specific illnesses from day one—no waiting period required.

Top features: o    This plan also offers Gullak – accumulating your bonus at the end of each year, guaranteed,with 100% increase in the sum insured annually, up to a maximum of 1000% (10 times of the base sum insured), irrespective of claims.

"With the launch of 'ManipalCigna Sarvah,' we are introducing a complete health insurance solution that not only caters to diverse customer segments but also strategically addresses the affordability and accessibility challenges faced by India’s missing middle along with driving the Government and the Regulator’s vision of 'Insurance for All by 2047'," said Prasun Sikdar, Managing Director and CEO, ManipalCigna Health Insurance.

Sikdar added: "Each offering of the 'The ManipalCigna Sarvah Trinity' has been designed with tailored benefits to provide the right level of coverage and deliver Essential Shield, Infinite Power, and Instant Peace for all. We are confident that 'ManipalCigna Sarvah' which offers Anant Benefit with unlimited cover for 4 major organ illnesses, Gullak Advantage that guarantees up to 1000% Sum Insured irrespective of claims and Sarathi Benefit that gives cover from 31st day onwards for pre-existing disease like Diabetes, Obesity, Asthma, Blood Pressure & Cholesterol, amongst other enticing features, will make a meaningful difference in helping people secure the right level of coverage for their specific health needs."

Top benefits

> Each version of 'Sarvah' offers coverage for in-patient hospitalization, encompassing both modern and advanced treatments up to the sum insured.

> All plans include coverage for expenses associated with organ donation, covering pre- and post-hospitalization expenses for the donor for up to 30 days. 

> Additionally, they cover the annual screening of the donor and complications from the organ donation, up to 25% of the sum insured or Rs. 2 Lacs, whichever is higher, in addition to the base sum insured.

> The Surplus Benefit provides 100% of the Sum Insured from day 1 for the 1st claim only, within each policy year.

> All variants include coverage for pre-hospitalization for up to 90 days and post-hospitalization for up to 180 days.

> The plans offer additional benefits such as unlimited tele-consultations with a General Physician and rewards for completing health activities through the Healthy Life Management Program.

> ManipalCigna Sarvah Pratham, SarvahUttam, and SarvahParam all provide Personal Accident Cover up to Rs 3 Cr, along with added benefits.

> Customers can avail a 2.5% Early Renewal Discount on the renewal premium for all plans if the policy is renewed 30 days prior to the expiry date.

> A 5% First Policy Renewal Discount is available for customers renewing under Sarvah Pratham and Sarvah Uttam plans.

> A Family discount of 10% is applicable when covering 2 or more family members under the same individual policy or on a multi-individual basis.

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