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 a𓆉nd will conclude on Jan. 15, 2025.

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 (including premiums and out-of-pocket costs) and coverage network.

Get Coveragꦫe From a Top-Ranked Health Insurance Compan𒀰y

In our analysis of꧋ the best health insuranc💞e companies, we rated each plan based on several criteria, including costs, 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-leve⛎l plans), its low 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 hea﷽lth insurance plan would probably 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官方开奖结果体彩网:deductible was higher than UnitedHealthcare’s, although still lower than our two other top piꦰcks, Aet꧂na and 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 lowe▨st copays and drug costs. Aetna also has one of the lowest rates of customer comp🎃laints.

Finally, if you live in one of the 20 states that offer 澳洲幸运5官方开奖结果体彩网:Obamacare coverage through their own marketplaces instead of HealthCare.gov, see if you can get coverage through Molina Healthcare. In our꧙ 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 Insu🅰rance Companies for𒉰 2025

♎We reviewed data reported by government departments, professional 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 𒐪insurance 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官方开奖♍结果体彩网:National Committee for Quali𒉰ty Assurance (NCQA). We also gathered information from datasets and Plan Finder tools provided thr🔥ough 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 sꩲcores each🎐 health insurance company based on the data we collected. We ensured the integrity of our data by cross-referencing the records in our database with primary sources.

We weighted the categories as f🐓ollows 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官方开奖结果体彩网:full methodology for reviewing health insurance providers.