Insurance
How we choose the best health insurance companies👋 I’m Alex Rosenberg, a lead writer and content strategist covering health insurance. I built NerdWallet’s health insurance rubric and did the research for this page to find the best health insurance options in the state. I gathered and analyzed data across four major categories:Plans with lower costs, such as premiums, deductibles, copays, coinsurance and out-of-pocket maximums, score the best.We evaluate plans’ costs using marketplace health plan datasets. These enormous spreadsheets include as many as 149 discrete data points for over 100,000 plan offerings in 31 states that use the federal marketplace (other…
The bottom line: Cigna Medicare Part D plans get slightly below-average star ratings in 2025. But Cigna also offers lower premiums than many competitors, especially for its low-cost Cigna Saver Rx plan. If a Cigna Medicare Part D plan covers your medications, it could be a good value. Jump to: Full ReviewCigna Medicare Part D pros and consProsLow cost: The Cigna Saver Rx plan is one of the least expensive Medicare Part D plans on the market, on average.$0 copays: Every Cigna plan has options to get Tier 1 generic drugs with $0 copays.ConsSo-so star ratings: Cigna’s weighted average of…
The bottom line: Humana holds onto solid star ratings in 2025 while many other companies’ scores have fallen. Its lower-cost Humana Value Rx plan offers more $0-copay and $0-deductible drug tiers than many competitors. Expensive premiums for the higher-end Premier Rx plan make that plan less competitive, however. Jump to: Full ReviewHumana Medicare Part D pros and consProsMember experience: Humana performs well above average on government ratings for members’ satisfaction using their plan.$0-copay and $0-deductible options: The low-cost Value Rx plan offers $0 copays and no deductible for Tier 1-2 drugs — options only available on pricier plans from some…
The bottom line: Wellcare has substantially expanded its $0-premium Medicare Part D plans in 2025, offering the Wellcare Value Script plan with $0 premiums in 42 states and Washington, D.C. And when it comes to quality, Wellcare’s star ratings beat every major national competitor. Jump to: Full ReviewWellcare Medicare Part D pros and consPros$0 premiums: Wellcare Value Script plans with $0 premiums are available in 42 states and Washington, D.C.Quality ratings: While some smaller companies have higher ratings, Wellcare’s weighted average star ratings are higher than all of its major national competitors in 2025.ConsCoinsurance requirements: Wellcare plans have coinsurance rather…
Best for $0 premiums: Wellcare Medicare Part DWhy we picked it: $0-premium plans may appeal to people on a fixed income or who are looking to minimize monthly medical costs. Top quality measures that outperformed the national average[1]:Drug plan quality improvement.Call center foreign language interpreter and TTY availability.Statin use in persons with diabetes.The bottom line: Wellcare has substantially expanded its $0-premium Medicare Part D plans in 2025, offering the Wellcare Value Script plan with $0 premiums in 42 states and Washington, D.C. And when it comes to quality, Wellcare’s star ratings beat every major national competitor.Pros$0-premium plans available in most…
Best for size of network: UnitedHealthcareWhy we picked it: A large network of medical providers means it may be easier to find a doctor or specialist who takes your insurance. UnitedHealthcare is the largest provider of Medicare Advantage plans[1]. UnitedHealthcare also partners with AARP, insuring the Medicare products that carry the AARP name. Many of UHC’s members are in highly rated plans, although member experience ratings are average among major providers.ProsLargest Medicare Advantage medical network of all companies, with more than 1 million providers.Largest Medicare Advantage dental network, and all standard plans offer dental coverage.Available in 49 states and Washington,…
Best for size of dental network: UnitedHealthcareWhy we picked it: UnitedHealthcare has the largest network of dental providers of all Medicare Advantage companies, with more than 100,000 providers. In other words: It may be easier to find a dentist who takes your insurance. UnitedHealthcare is the biggest provider of Medicare Advantage plans in the U.S., with a presence in 49 states and Washington, D.C. UnitedHealthcare also partners with AARP and insures Medicare products with the AARP name. About 7 out of 10 UHC members are in plans with high star ratings.ProsUHC offers the largest Medicare dental network, with more than…
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Disclaimer: NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions. Pre-qualified offers are not binding. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly.NerdUp by NerdWallet credit card: NerdWallet is not a bank. Bank services provided by Evolve Bank & Trust, member FDIC. The NerdUp by…
Disclaimer: NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions. Pre-qualified offers are not binding. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly.NerdUp by NerdWallet credit card: NerdWallet is not a bank. Bank services provided by Evolve Bank & Trust, member FDIC. The NerdUp by…
Disclaimer: NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions. Pre-qualified offers are not binding. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly.NerdUp by NerdWallet credit card: NerdWallet is not a bank. Bank services provided by Evolve Bank & Trust, member FDIC. The NerdUp by…