To get health insurance through the Health Insurance Marketplace (also known as Obamacare), you must sign up during open enrollment, which began on Nov. 1 and will conclude on Jan. 15, 20⛄25.

However, if you want your health insurance coverage to begin Jan. 1, you must sign up by Dec. 15. That’s just 10 days from now. If you wait, your coverage will begin Feb. 1, leaving you uninsured for January.

To meet the deadline, use the next 10 days to research the best health insurance companies. To find the right fit, consider each plan’s affordability (in🌜cluding pre❀miums and out-of-pocket costs) and coverage network.

Get ꦉCoverage From a Top-Ranked Health Insurance Company

In our analysis of the best hea⛎lth insurance companies, we rated each plan based on several criteria, including cost꧙s, customer satisfaction, availability, and plan types.

Our top pick was Kaiser Permanente due to its comparably low family and individual plan premiums (based on the company’s silver-l൩evel plans), its 𝐆low customer complaint rate, and its wide selection of medical management programs.

If your state doesn’t offer Kaiser, or if you’d prefer a health insurance plan with lower out-of-pocket costs, another health insurance plan would prob🐼ably be a better fit for you.

Top-Ranked Health Insurance Companies for 2025

• Best Overall and Best for Self-Employed:
• Best Widely Available Plans:
• Best for Low Complaints and Best for Chronic Conditions:
• Most Affordable:

While Kaiser Permanente was our favorite overall, this plan is offered in just eight states— California, Colorado, Georgia, Hawaii, Maryland, Oregon, Virginia, and Washington—plus the District of Columbia. In addition, its average annual 澳洲幸运5开奖号码历史查询:deductible was higher than UnitedHealthcare’s, although still lower than our two other top picks, Aetna and𒉰 Molina🔴 Healthcare.

If you’re relatively healthy and only expect to see your doctor for routine office visits and checkups, Aetna may be one of your better options, as our analysis found that it offered some of the lowest copays and drug costs🃏. Aetna also has one of the lowest rates of customer complaints.

Finally, if you live in one of the 20 states that offer 澳洲幸运5开奖号码历史查询:Obamacare coverage through their own marketplaces instead of HealthCare.gov, see if you can get coverage through Molina Healthcare. In our study, Molina’s state-level health 🌄insurance premiums and deductibles were lower on average than the other plans we evaluated, although its federal-level premiums were more expensive.

How We Ranked the Top Health In𓄧surance Companies for 2025

We reviewed data reported by government departments, professionalౠ associations, and independent organizations so we could gain insight into market share distribution across the Health Insurance Exchange, enrollment growth, and nationwide availability for major health insurance providers in the United States. After considering this, we selected nine health insurance providers for our rubric. 

For each of these companies, we collected data from rating agencies such as the credit rating agency AM Best and the 澳洲幸运5开奖号码历史查询:Nဣational Committee for Quality Assurance🌼 (NCQA). We also gathered information from datasets and Plan Finder tools provided through government websites, such as the federal Health Insurance Marketplace on HealthCare.gov, as well as individual state marketplaces. Finally, we collected any remaining data points directly from company websites. Our full research process ran from Oct. 24🔯 to Nov. 8, 2024.

We then developed a quantitative model that scores each 🎉health insurance company based on the data we collꦇected. We ensured the integrity of our data by cross-referencing the records in our database with primary sources.

🃏We weighted the categories as follows for this article:

• Customer Satisfaction: 20%
• Availability: 10%
• Plan Types: 11%
• Plan Benefits: 2%
• Medical Management Programs: 5%
• Federal Marketplace Cost Data: 26%
• State Marketplace Cost Data: 26%

Read our 澳洲幸运5开奖号码历史查询:full methodology for reviewing health insurance providers.