Compare health insurance companies
Educational only — not a quote, not a recommendation. This site is not an insurer or a broker, and nothing on this page is a personalised price. A final price comes only from the carrier or a licensed agent, after underwriting. Health cover, compared side by side across ACA Marketplace, Medicare and related plans. Premiums, deductibles, networks and tiers are ZIP, county and plan specific, so no national premium table is published here — the table shows what each carrier publishes, where it is available, and where to shop officially.
How to read “Not published”: it means the 2026-11-05 research did not verify that item on a carrier or official page. It is not a zero, not a “no”, and it is never filled in from a third-party table. Where a figure is published, its profile, date and source sit next to it.
How to use this comparison
- Pick 2 or 3 companies with the checkboxes below the table heading, and compare them side by side.
- Compare like for like: the same limits, the same deductible, the same cover type. A cheaper headline with a lower limit is not the same cover.
- Check the official link in the row before you decide — the carrier's own page and plan documents are the final word, and availability varies by state, county and plan.
- Use the tools beside this page to work out what you need first, then take that need to the official quote. No personal details are collected anywhere on this page.
Cigna's 2027 exit figure (about 369,000 members affected) comes from trade press, April to October 2026, and is labelled as such in the table.
Health companies — full table
| Company | Published packages / cover options | Key features | Deductibles / limits where published | Discounts where published | Premium availability | Official link | Source |
|---|---|---|---|---|---|---|---|
| UnitedHealthcare | Individual and family under-65: ACA Marketplace plans, short-term limited-duration plans (TriTerm, nearly 3 years in select states), self-employed and student options, plus Medicare Advantage and Part D. Subsidies may apply by income. | TriTerm short-term option (nearly 3 years, select states). | Not published | Not published | Quote-only / not published nationally. Not nationwide for individual ACA plans — availability varies by state, county and year. | Official page — Clean uhc.com page confirmed by a fresh search for this build; the staging mirror (uhg6-prod.adobecqms.net) returned in the research is NOT linked. The online quote route is not yet verified as a clean quote link, so this is labelled Official page, not Get a quote. | uhc.com, retrieved 2026-11-05 |
| Blue Cross Blue Shield — local companies | No single national package. Each independent, locally operated BCBS company offers its own individual and family plans (Bronze/Silver/Gold/Platinum ACA tiers in local examples), Medicare/Medicare Advantage, employer, Medicaid/CHIP and supplemental plans. | BlueCard allows care outside the home plan area. 116 million+ members are served by BCBS companies (BCBS article). | Not published | Not published | Quote-only / not published nationally. The local quote is on the local company site (for example bcbstx.com, bcbsil.com, bcbsm.com, bluecrossnc.com, floridablue.com). | Official page — Plan finder: it routes to the local company by ZIP. It is not a national quote link. | bcbs.com, retrieved 2026-11-05 |
| Kaiser Permanente — limited states | Individual and family plans with an integrated care model (plan plus hospitals and doctors in one system), in-person and virtual care. Also Medicare Advantage in its footprint. | Integrated care model; in-person and virtual care. | Not published | Not published | Quote-only / not published nationally. Financial help may lower a premium for those who qualify. | Official page — Footprint limited, not national: California, Colorado, Georgia, Hawaii, Maryland, Oregon, Virginia, Washington plus DC, with county carve-outs in Washington and Oregon. The shop-page path returned as http was not verified in https form, so the domain page is linked instead. | kaiserpermanente.org, retrieved 2026-11-05 |
| Aetna / CVS Health — Medicare focus; ACA exit | Medicare Advantage (HMO, HMO-POS, PPO; many include prescription drugs, dental/vision/hearing and fitness in some plans), Medicare Supplement/Medigap, stand-alone Part D and Special Needs Plans. | Many Medicare Advantage plans include prescription drugs and routine dental, vision and hearing in some plans. | Medigap Plans F/G/N appear in third-party summaries; Plan F has been closed to new Medicare entrants since 2020 by law. | Not published | Published starting claim, NOT an average or a guarantee for a given ZIP: Medicare Advantage premiums “starting as low as $0 monthly” — a floor for some plans. CRITICAL: Aetna individual/family ACA exchange plans ended 31 Dec 2025; Aetna left ACA marketplaces effective 1 Jan 2026. Do not treat Aetna as a current ACA Marketplace option for 2026/2027 without a live re-check. | Official page — ZIP-based Medicare shop. Second shop page: aetna.com/medicare/sites/shopmedicare-choices.html. Medicare footprint is county/ZIP specific. | aetna.com, retrieved 2026-11-05 |
| Cigna Healthcare — 2027 ACA exit | 2026 individual and family ACA plans in select counties, plus dental plans in 49 states (2026 footprint flyer). Medicare business was sold to Health Care Service Corporation in March 2025 — Cigna Medicare is not presented here as a current Cigna individual product. | Dental plans in 49 states (2026 footprint flyer). | Not published | Not published | Quote-only / not published. EXIT FOR 2027: Cigna will not offer individual/family plans in any state for 2027 (about 369,000 members affected, trade press Apr–Oct 2026). Do not present Cigna as a 2027 ACA option. Employer coverage was unaffected in those reports. | Official page — Example state shop page; no national instant-quote URL was verified. 2026 footprint (11 states, select counties only): Arizona, Colorado, Florida, Georgia, Illinois, Indiana, Mississippi, North Carolina, Tennessee, Texas, Virginia. 2026 open enrolment has ended; special-enrolment quote by phone 1-855-953-0993. | cigna.com, retrieved 2026-11-05 |
| Humana — Medicare focus | Medicare Advantage (HMO/PPO/SNP/PFFS; most MA plans include routine dental/vision/hearing, prescription cover and $0 primary-care copays in some plans), stand-alone Part D (Value Rx, Premier Rx, Basic Rx) and Medigap (Plans A–N framework; K–N cost-sharing/lower-premium forms; naming differs in Massachusetts, Minnesota and Wisconsin). | 24/7-style Medicare shop by ZIP; most MA plans include routine dental, vision and hearing. | 2027 Part D maximum out-of-pocket $2,400, after which the plan pays 100% for covered drugs for the rest of the year. Medicare requires Original Medicare Parts A and B eligibility. | Medigap 6% online-enrolment discount in some states, NOT CA, CT, OH or PA. | ZIP-specific published claims, NOT a national average: 2027 shop page “$0 or low monthly premiums” for Medicare Advantage; Part B premium $202.90 in 2026 (per that page) still applies. 2027 open enrolment ends 7 Dec (per the shop page). Humana is not presented here as a general ACA carrier. | Official page — ZIP-entry shop for 2027 Medicare plans. Tracking parameters (kc=…) stripped from the Medicare Advantage, Part D and Medigap page URLs; the clean paths are the same pages. | humana.com, retrieved 2026-11-05 |
Sources for this table
Every figure and feature above comes from the carrier page linked in its row, as recorded in the research register on 2026-11-05. “Not published” means the research did not verify that item on a carrier or official page — it is not a zero, and it is not filled in from a third party.
- UnitedHealthcare — https://www.uhc.com/lp/aca-marketplace (uhc.com, retrieved 2026-11-05)
- Blue Cross Blue Shield — local companies — https://www.bcbs.com/news-and-insights/article/find-my-plan (bcbs.com, retrieved 2026-11-05)
- Kaiser Permanente — limited states — https://www.kaiserpermanente.org/ (kaiserpermanente.org, retrieved 2026-11-05)
- Aetna / CVS Health — Medicare focus; ACA exit — https://www.aetna.com/medicare/compare-plans-enroll/medicare-advantage-plans.html (aetna.com, retrieved 2026-11-05)
- Cigna Healthcare — 2027 ACA exit — https://www.cigna.com/individuals-families/shop-plans/health-insurance-plans/tennessee (cigna.com, retrieved 2026-11-05)
- Humana — Medicare focus — https://www.humana.com/medicare (humana.com, retrieved 2026-11-05)
Eligibility and footprint warnings
- ACA individual and family plans cover essential benefits and cannot deny enrolment for pre-existing conditions. ACA open enrolment generally runs 1 November to 15 January in most states.
- UnitedHealthcare is NOT nationwide for individual ACA plans — availability varies by state, county and year.
- Blue Cross Blue Shield is not one national company: independent, locally operated companies each serve a specific area, so a shopper must use the Find My Plan finder by ZIP.
- Kaiser Permanente is limited to California, Colorado, Georgia, Hawaii, Maryland, Oregon, Virginia, Washington plus DC, with county carve-outs in Washington and Oregon.
- Aetna left the ACA marketplaces effective 1 January 2026 (individual/family ACA exchange plans ended 31 December 2025). Do not treat Aetna as a current ACA Marketplace option without a live re-check.
- Cigna will not offer individual/family plans in any state for 2027. Do not treat Cigna as a 2027 ACA option.
- Humana is presented here as a Medicare carrier, not as a general ACA carrier, and Medicare requires Original Medicare Parts A and B eligibility.
Use with our tools
Work out what you need before you shop, then compare like for like: ACA subsidy calculator · Medicare plan comparison · Health cost estimator · See also all tools and the comparison hub.
What this page is not: it is not a quote engine, it does not collect personal data, it does not rank companies as “best” or “cheapest”, and it carries no star ratings, testimonials or carrier logos. Any page that claims a single “best” company from this table is misreading it.
Disclosure
This comparison is educational only. Countrypilot.net is not an insurer, not a broker and not an agent for any company listed. Figures are carrier-published claims or examples as recorded on 2026-11-05, with their profile, date and source shown where they appear; they are not prices for you, and they may have changed since retrieval. The final price, eligibility and terms for any policy come only from the carrier or a licensed agent, and plan documents govern over any summary here. No company paid for placement, and no row is sponsored.