Advertiser Disclosure

AO Test Best Page

By aovalle

Updated on November 19th, 2021

We want to help you make educated healthcare decisions. While this post may have links to lead generation forms, this won’t influence our writing. We adhere to strict editorial standards to provide the most accurate and unbiased information.

Who Are the Established Top Short-Term Health Insurance Carriers?

If you’re looking for a short-term health insurance policy, these carriers should be on your list to consider.

UnitedHealth Group
Offers the most variety on health insurance plans
Kaiser Permanente
Provides charitable health coverage for consumers that don’t qualify for Medicaid
Blue Cross Blue Shield
Coverage in all 50 states with more than 110 million consumers

Know When to Buy

You can buy a health insurance plan during the open enrollment period, which takes place in the fall, generally between November 1 and December 15.

Richard T. Burke founded Minneapolis-based UnitedHealth Group in 1977. UnitedHealth Group’s mission is “helping people live healthier lives and helping make the health system work better for everyone.”

UnitedHealth Group does business in every state through its subsidiaries, UnitedHealthcare and Optum, insuring approximately 46 million Americans. The company also insures another 7.6 million people globally.

View Details
Ratings
Ratings
Monthly Premium
Insurance Types
Initiatives
  • AM Best: Financial Strength Rating of A. The highest rating is A+.
  • ACSI: 72 out of 100 in 2020, down from 75 in 2019.
  • NAIC Complaint Index: In 2020 the highest number of complaints were for claim handling. There were 1,689 complaints on claim handling, with the top reason being ‘denial of claim.’
  • NCQA: Scores vary in different regions. UnitedHealth Group plans scored as high as a 4.5 out of 5 in Rhode Island and as low as 2.5 out of 5 in Nevada.
  • J.D. Power: Scores (on a scale of up to 1,000) vary in different regions. For example, UnitedHealthcare scored 738 in Florida and 690 in Illinois and Indiana.
  • $274.28 for a 35-year-old nonsmoking woman in Dallas.
  • $249.86 for a 35-year-old nonsmoking woman in Atlanta.
  • $222.55 for a 35-year-old nonsmoking woman in Louisville.
  • Dental & Vision.
  • Medicare.
  • Limited benefit.
  • The Attain by Aetna app helps you work on personalized health goals.

Founded in 1853 as a life insurance company, Aetna today is one of the country’s largest providers of health benefits. Since 2018, the Hartfield, Connecticut–based organization has been a subsidiary company of CVS Health Corporation.

While Aetna does not offer insurance for individuals and families, it offers group plans, such as through your employer, as well as Medicare, Medicaid and international plans. The insurer has Medicaid plans in 14 states, primarily in the Northeast and the South. Aetna insures approximately 22.1 million members.

View Details
Ratings
Ratings
Monthly Premium
Insurance Types
Initiatives
  • AM Best: Financial Strength Rating of A. The highest rating is A+.
  • ACSI: 72 out of 100 in 2020, down from 75 in 2019.
  • NAIC Complaint Index: In 2020 the highest number of complaints were for claim handling. There were 1,689 complaints on claim handling, with the top reason being ‘denial of claim.’
  • NCQA: Scores vary in different regions. UnitedHealth Group plans scored as high as a 4.5 out of 5 in Rhode Island and as low as 2.5 out of 5 in Nevada.
  • J.D. Power: Scores (on a scale of up to 1,000) vary in different regions. For example, UnitedHealthcare scored 738 in Florida and 690 in Illinois and Indiana.
  • $274.28 for a 35-year-old nonsmoking woman in Dallas.
  • $249.86 for a 35-year-old nonsmoking woman in Atlanta.
  • $222.55 for a 35-year-old nonsmoking woman in Louisville.
  • Group
  • Medicare
  • Medicaid
  • Dental
  • Vision
  • The Attain by Aetna app helps you work on personalized health goals.
Share this article

About