The healthcare insurance industry of the United States shows continuous expansion and intense market activity. The top insurers maintain an essential position in delivering healthcare coverage to millions of Americans because medical costs are soaring while Americans need higher quality services. Throughout the previous ten years, the United States healthcare insurance industry demonstrated transformative growth because total premiums reached an extraordinary figure of $1.44 trillion last year. In this deep insight, you will know about the top 10 healthcare insurance companies in the USA in 2025. The steady increase of healthcare expenses makes it essential for everyone to depend on trustworthy health insurance providers.
Here are the top 10 healthcare insurance companies in the USA.
| S.No | Company Name | Headquarters |
| 1 | UnitedHealth Group | Minnetonka, Minnesota |
| 2 | Elevance Health | Indianapolis, Indiana |
| 3 | Centene Corporation | St. Louis, Missouri |
| 4 | Kaiser Permanente | San Francisco, California |
| 5 | Humana | Louisville, Kentucky |
| 6 | CVS Health | Woonsocket, Rhode Island |
| 7 | HCSC | Chicago, Illinois |
| 8 | Cigna | Bloomfield, Connecticut |
| 9 | Molina Healthcare | Long Beach, California |
| 10 | GuideWell | Jacksonville, Florida |
1. UnitedHealth Group
Headquarters: Minnetonka, Minnesota
DWP: $221.4 billion
Market Share: 15.4%
UnitedHealth Group Incorporated operates as one of the world's largest American multinational corporations, which specializes in health insurance together with healthcare services. It is one of the top 10 healthcare insurance companies in the USA. The Minnesota-based company UnitedHealth Group manages its business operations through the insurance segment known as UnitedHealthcare alongside the service division named Optum.
The revenue income of UnitedHealth Group positions it among the top nine global corporations and places it as the market leader in healthcare revenues. The company ranked as the 8th in the Fortune Global 500 rankings for 2024. The market capitalization for UnitedHealth Group reached $460.3 billion on December 20 of 2024.
UnitedHealthcare
The insurance business segment of UnitedHealthcare provides complete health insurance solutions together with these features:
UnitedHealthcare Medical Products provides affordable health coverage that includes medical services together with dental care and vision benefits.
UnitedHealth Wellness consists of wellness program packages designed to encourage people to lead healthier lives.
Oxford Health: Specialized healthcare products for residents of Connecticut, New Jersey, and New York.
The company provides virtual visits as telehealth remote medical consultation services.
Business Travel Insurance: Coverage for employees traveling abroad.
Optum
The technology division of UnitedHealth Group, named Optum, delivers creative healthcare solutions by means of the following system:
- Optum Health: Delivers medical services to over 102 million members.
- Optum Insight: Offers research, analytics, and consulting services to healthcare providers.
- Optum Rx: Provides cost-effective pharmaceutical products.
2. Elevance Health
- Headquarters: Indianapolis, Indiana
- DWP: $103.4 billion
- Market Share: 7.2%
The American healthcare provider Elevance Health operates as a profitable corporation that leads the insurance market. The organization, run as Anthem, Inc. until it rebranded in June 2022, continues to provide medical healthcare products along with prescription medications, dental treatments, behavioral healthcare services and long-term care assistance together with disability coverage.
The company delivers healthcare services through its affiliated groups comprising Anthem Blue Cross and Blue Shield and Anthem Blue Cross in California, as well as Wellpoint and Carelon.
Within the Blue Cross Blue Shield Association, Elevance Health operates as the biggest for-profit managed healthcare organization, which serves numerous members. In 2022 the health plans connected to the company maintained 46.8 million members.
The financial health of Elevance Health emerges from its superior industry position. Elevance Health achieved placement in the 20th spot on the 2022 Fortune 500 list through its revenue performance from 2021. The company occupied the 78th spot on the Forbes Global 2000 list in 2023.
Services Offered
- Medical, dental, and vision coverage
- Employer-sponsored health plans
- Individual and family health policies
- Medicaid and Medicare Advantage plans
The health organization Elevance Health delivers insurance coverage across 14 states through its subsidiaries, such as Carelon.
3. Centene Corporation
Headquarters: St. Louis, Missouri
DWP: $96.4 billion
Market Share: 6.7%
The American for-profit healthcare operating company Centene Corporation maintains its headquarters in St. Louis, Missouri. As a platform that connects various healthcare programs, Centene functions as a key driver for rendering affordable healthcare services with wide availability to customers. For 2023, Centene Corporation gained the 25th position among all companies listed on the Fortune 500 ranking.
Key Services
Behavioral Health: Mental health support services.
Dental and Vision Benefits: Coverage for routine check-ups and procedures.
Pharmacy Benefits Management: Affordable prescription drug services.
Telehealth Services: Virtual medical consultations.
Centene reaches 67,800 employees who deliver quality healthcare coverage to uninsured and underinsured Americans.
4. Kaiser Permanente
Headquarters: San Francisco, California
DWP: $89.2 billion
Market Share: 6.2%
The United States holds Kaiser Permanente (KP) as its largest managed care organization, whose headquarters are located in Oakland, California. Henry J. Kaiser and Dr. Sidney R. Garfield established this health organization in 1945 to treat industrial workers and then broadened its services to serve the public. Three entities comprising Kaiser Foundation Health Plan (KFHP) and Kaiser Foundation Hospitals and regional Permanente Medical Groups form the organization.
KP operates throughout eight states together with Washington D.C. The health organization maintains a workforce of over 300,000 employees, which includes 98,000 physicians and registered nurses. The organization operates 40 hospitals and 614 medical offices through which it delivers preventive care utilizing salaried physicians instead of payment-based medical service delivery.
KP stands out for delivering high-quality care yet encounters multiple controversies, including worker conflicts and inspections of their mental health offerings, besides criticism for accumulating substantial financial resources.
- 23,982 Physicians
- 68,218 Nurses
- 39 Hospitals
- 622 Medical Offices
Services Covered
- Preventive care
- Chronic disease management
- Emergency services
- Mental health support
Kaiser Permanente’s health plans feature low premiums and zero deductibles, making them an affordable option for many Americans.
5. Humana
- Headquarters: Louisville, Kentucky
- DWP: $87.0 billion
- Market Share: 6.0%
The for-profit health insurance company Humana Inc. maintains its headquarters located in Louisville, Kentucky. According to the Fortune 500 list of 2023, Humana occupies position 42 and maintains the status as the fourth-biggest health insurance organization in America.
Journey of Humana
A nursing home company founded by David A. Jones Sr. and Wendell Cherry operated from 1961 through 1983 until the establishment of Humana Inc. as the new name for advancing into hospital operations during 1974. During the 1980s, Humana achieved its position as the biggest hospital company worldwide.
The company transitioned from hospitals between 1984 and the present day to focus on health insurance operations. Humana operated as the largest hospital operator in the U.S. during 1993 yet decided to separate its hospital division. United Healthcare made a failed offer for acquisition in 1998 and Aetna attempted to merge with the company in 2017 before the deal was blocked.
The company made multiple strategic choices, which included partnership ventures (Virgin Group, CDC), acquisitions of Concentra, Kindred Healthcare, and Enclara while developing digital healthcare innovations through Humana Studio H. The company left the employer-based commercial insurance business model during the year 2023.
The company stays dedicated to its home healthcare and insurance businesses while adjusting operations to suit modern market requirements.
Medicare and Medicaid Plans: Government-backed health insurance options.
Group Health Insurance: Policies for employers and organizations.
Pharmacy Benefits: Prescription drug coverage.
Vision and Dental Plans: Specialized healthcare coverage.
The main operational platforms of Humana include three different segments.
- Health Services provide preventive care services and wellness program services.
- Group & Specialty: Employer-sponsored insurance solutions.
- At their retail branch, customers can find health plans that match their personal requirements.
6. CVS Health
Head Office: Woonsocket, Rhode Island
Direct Written Premiums (DWP): $83.9 billion
Market Share: 5.8%
As an American major healthcare organization, CVS Health Corporation oversees both operations of CVS Pharmacy and CVS Caremark together with Aetna under its management. As the second-largest healthcare organization globally, next to UnitedHealth Group, CVS Health holds the 64th position in the Forbes Global 2000 in 2023. Consumer Value Stores became CVS after Stanley and Sidney Goldstein and Ralph Hoagland established the company in Lowell, Massachusetts.
- 9,900+ retail locations
- Nearly 1,100 walk-in clinics
- A pharmacy benefits manager catering to 100 million plan members
The insurance services at CVS Health include regular plans together with specialized pharmacies and independent Medicare Part D prescription drug plans. The organization is essential for reducing the economic barriers that hinder people from accessing affordable healthcare services.
7. Health Care Service Corporation (HCSC)
Head Office: Chicago, Illinois
DWP: $51.0 billion
Market Share: 3.5%
The member-owned Chicago-based Health Care Service Corporation operates from its headquarters in Illinois. Hospital Service Corporation established its foundation in 1936 and underwent a name change to its current title of Health Care Service Corporation in 1975. The Blue Cross and Blue Shield licenses of Illinois, Montana, New Mexico, Oklahoma and Texas belong to Health Care Service Corporation.
HCSC operates as the fifth biggest health insurer in the U.S. along with being the third largest commercial health insurer, which serves almost 16 million members. With over 23,000 employees, HCSC offers group life, disability, dental insurance, and various care management and wellness resources.
Through its subsidiaries, the company provides both life insurance and health insurance coverage as follows:
- HCSC Insurance Service Company
- TriWest Healthcare Alliance
- Prime Therapeutics
- Availity
8. Cigna
Head Office: Bloomfield, Connecticut
DWP: $34.0 billion
Market Share: 2.4%
Cigna Group maintains its headquarters in Bloomfield, Connecticut for its role as a leading American multinational healthcare provider. Medical coverage along with dental benefits, disability insurance, accident protection and life insurance is offered by this company to employers and organizations. Cigna maintains its headquarters in Delaware, where it achieved positions among Fortune 500 as #15 and Global 2000 as #68.
History & Growth:
Two insurance companies named Connecticut General Life Insurance Company (CG) and INA Corporation united to form Cigna in 1982. HealthSpring became part of its operations in 2011 when Cigna acquired the company for $3.8 billion before Express Scripts joined the portfolio in 2018 through a $67 billion purchase. The $47 billion proposed alliance between Cigna and Anthem faced failure when the government decided to halt the merger because of violation of antitrust regulations.
Recent Developments:
The health services of Cigna underwent Evernorth branding in 2020 while the company conducted strategic partnerships, including the Texas Medicaid contract sale to Molina Healthcare (2021). The company transformed into The Cigna Group during 2023 and then renamed its business segments. Cigna approved a $3.7 billion Medicare Advantage and related business sale to Health Care Service Corporation for completion in early 2025.
The company provides various health insurance plans that comprise:
- Health and dental policies
- Medicare plans
- International healthcare coverage
- Supplemental health insurance
- The healthcare insurance provider functions through its two main operating segments known as Cigna Healthcare and Evernorth Health Services.
- Cigna Healthcare delivers wellness and medical solutions that enhance patient healthcare results.
- Evernorth Health Services: Focuses on disease prevention and pharmaceutical accessibility.
9. Molina Healthcare
Head Office: Long Beach, California
DWP: $28.8 billion
Market Share: 2.0%
Molina Healthcare dedicates its operations to healthcare insurance programs that receive government financing. The company serves 5.1 million members throughout 18 states while concentrating its business on Medicaid and Medicare plans. To assure vital health care access for qualified families and individuals, the insurer operates jointly with state administrations.
Molina Healthcare takes part in dual demonstration projects through which it provides management of healthcare services to patients who meet Medicaid and Medicare eligibility criteria. The organization plays an essential role in the industry because it delivers excellence in healthcare services to communities lacking sufficient medical support.
10. GuideWell
Head Office: Jacksonville, Florida
DWP: $26.5 billion
Market Share: 1.8%
GuideWell operates as a non-profit mutual holding concern that delivers healthcare services to 27 million members located in 35 states. GuideWell manages several subsidiaries that conduct operations.
Through its Blue Cross Blue Shield membership, Florida Blue provides health services as well as wellness initiatives and preventive care for its members.
Florida Health Care Plans: Offers healthcare coverage for individuals, families, and employers.
Truli for Health operates as a healthcare provider delivering affordable services to Florida workers.
Capital Health Plan: Focuses on affordable healthcare in the Tallahassee region.
As the largest healthcare insurer in Puerto Rico, Triple-S Salud operates open-access network plans.
GuideWell’s community-focused approach ensures that members receive high-quality and affordable healthcare services.
Final Thoughts
To safeguard both financial stability and receive quality medical care, a person needs to pick the appropriate health insurance provider. The healthcare plans from CVS Health, HCSC, Cigna, Molina Healthcare and GuideWell serve different customer requirements. These 10 best healthcare insurance companies in USA deliver competitive plans through their selection of government-sponsored programs as well as employer-sponsored insurance and individual plans.
FAQ
Who is the top health insurance provider in the USA?
What is the oldest insurance company in America?
What is the best Medicare insurance in 2025?
Best for Large Network: UnitedHealthcare Medicare Advantage
Best for Customer Ratings: Aetna Medicare Advantage
Best for Low-Cost Plans: Cigna Medicare Advantage
Best for Part B Savings: Humana Medicare Advantage
Best New Provider: Devoted Health Medicare Advantage
Is Medicare sending new cards for 2025?
What type of health insurance company in the USA is most common?
Which is the best Medicare Advantage plan for 2025?
Which hospital is ranked 1 in the US?
Are there health insurance plans that cover international travel?
Selecting the best healthcare insurance plan requires evaluation of coverage together with premiums, network providers and extra benefits. Proper research allows you to identify health insurance policies that match your healthcare requirements. The information above has been carefully researched and prepared by the experts at Glance Insight.
Stay informed and choose wisely to ensure a healthier future!
