The individual health insurance industry focuses on providing coverage to consumers seeking personalized healthcare options. Companies in this sector include traditional insurance providers and innovative startups, offering a range of plans such as individual and family health insurance, Medicare, and wellness programs. The industry is evolving with technology integration and a shift toward preventive care, driven by members seeking affordability and comprehensive service. As healthcare costs rise, insurers are pivoting to offer tailored plans that prioritize holistic well-being, indicating a future trend that advocates for proactive health management rather than reactive treatment.

This list features 22 companies varying in size, mostly based in the US, with founding years ranging from 1934 to 2001. They specialize in individual health insurance, Medicare options, and innovative health solutions, serving different markets. These companies employ thousands of people and are focused on enhancing member access and satisfaction. With some entities having substantial financial backing and competitive offerings, each plays a significant role in shaping individual health solutions. Their impact on the market reflects their commitment to improving healthcare accessibility and affordability for consumers.

Continue reading to discover the top individual health insurance companies.

Top 22 Individual Health Insurance Companies

1. UnitedHealthcare

• Website: uhc.com
• Ownership type: Private
• Headquarters: Minnetonka, Minnesota, United States (USA)
• Employee distribution: United States (USA) 97%, Other 3%
• Founded year: 1977
• Headcount: 10001+
• LinkedIn: unitedhealthcare

UnitedHealthcare, founded in 1977 and based in Minnetonka, Minnesota, is a prominent health insurance provider in the United States. The company offers a variety of health plans tailored to meet the needs of consumers, businesses, and organizations. Their offerings include Medicare, Medicaid, and individual family plans, which are designed to help members manage healthcare costs and access necessary medical services. UnitedHealthcare emphasizes comprehensive coverage options and has developed tools like the UnitedHealthcare app to facilitate member engagement and support. With over 14,000 employees, the company is well-equipped to serve a large customer base, focusing on quality care and personalized solutions. Their commitment to health and wellness is evident in their preventive care initiatives and educational resources available on their website.

2. Health Net

• Website: healthnet.com
• Ownership type: Corporate
• Headquarters: Los Angeles, California, United States (USA)
• Employee distribution: United States (USA) 98%, Other 2%
• Latest funding: March 2016
• Founded year: 1979
• Headcount: 1001-5000
• LinkedIn: health-net

Health Net, LLC, founded in 1979 and based in Los Angeles, California, is a health insurance provider that specializes in a range of health plans tailored for individuals, families, and businesses. The company is particularly known for its Medicare Advantage and Medi-Cal plans, which are designed to offer comprehensive coverage to its members. Health Net emphasizes accessible healthcare solutions and wellness programs, aiming to empower customers in managing their health effectively. With a workforce of over 5,000 employees, Health Net operates primarily within the United States, focusing on delivering quality health services and support to its members. The company is a subsidiary of Centene Corporation, which enhances its capabilities in the health insurance market. Health Net's commitment to community health and wellness initiatives further solidifies its position in the industry, making it a relevant choice for individuals seeking health insurance options.

3. Florida Blue

• Website: floridablue.com
• Ownership type: Private
• Headquarters: Jacksonville, Florida, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 2001
• Headcount: 5001-10000
• LinkedIn: florida-blue

Florida Blue, based in Jacksonville, Florida, is a prominent health insurance provider that has been operational since 2001. The company is a part of the GuideWell family of companies and serves a wide range of customers, including individuals, families, and businesses. Florida Blue offers various health plans, such as Medicare and individual coverage, alongside wellness programs and virtual care services. Their mission focuses on enhancing health access and outcomes for Floridians, which they pursue through innovative health solutions. Florida Blue also operates numerous centers across Florida, providing community support and health assessments, further solidifying their role in the local healthcare ecosystem. The company employs over 8,400 individuals, reflecting its substantial presence in the industry.

4. Medica

• Website: medica.com
• Ownership type: Corporate
• Headquarters: Minnetonka, Minnesota, United States (USA)
• Employee distribution: United States (USA) 95%, Other 5%
• Latest funding: $4.2M, January 2024
• Founded year: 1975
• Headcount: 1001-5000
• LinkedIn: medica

Medica, founded in 1975 and based in Minnetonka, Minnesota, is a health insurance provider that offers a comprehensive array of plans tailored to meet the needs of individuals, families, and organizations. The company provides individual and family health insurance plans, as well as specialized options for Medicare and Medicaid recipients. Medica's mission is to help consumers access affordable healthcare coverage while effectively managing their medical expenses. With a workforce of approximately 4,286 employees, Medica serves a significant portion of the U.S. population, primarily focusing on states like Minnesota, North Dakota, and others. The company has also recently secured funding of $4,250,000 in January 2024, indicating ongoing investment in its operations and services. Medica's commitment to wellness programs and support for mental health further enhances its role in the healthcare industry, making it a relevant player in the individual health insurance market.

5. NotreDame Intermédica

• Website: gndi.com.br
• Ownership type: Private
• Headquarters: Sao Paulo, Sao Paulo, Brazil
• Employee distribution: Brazil 100%
• Founded year: 1968
• Headcount: 10001+
• LinkedIn: gndi

NotreDame Intermédica, founded in 1968 and based in São Paulo, Brazil, is a private health insurance provider that specializes in offering a variety of health and dental plans for individuals and businesses. The company is dedicated to making healthcare accessible through its extensive network of clinics and hospitals, which ensures that customers receive quality service and support. NotreDame Intermédica emphasizes preventive health programs and telemedicine, reflecting a modern approach to healthcare that prioritizes patient engagement and proactive health management. With over 13,000 employees, the company has established itself as a significant entity in the Brazilian health insurance market, focusing on comprehensive care and customer satisfaction.

6. Health Care Service Corporation

• Website: hcsc.com
• Ownership type: Private
• Headquarters: Chicago, Illinois, United States (USA)
• Employee distribution: United States (USA) 99%, Other 1%
• Founded year: 1936
• Headcount: 10001+
• LinkedIn: blue-cross-and-blue-shield-of-illinois-new-mexico-oklahoma-%26-texas

Health Care Service Corporation (HCSC) is a prominent health insurance provider based in Chicago, Illinois. Founded in 1936, HCSC operates as a mutual legal reserve company and is an independent licensee of the Blue Cross Blue Shield Association. The company offers a comprehensive range of health benefit solutions, including life, disability, and dental insurance, catering to individuals, families, and businesses. HCSC is dedicated to expanding access to quality healthcare and improving health outcomes through various initiatives and community investments. With over 28,000 employees, HCSC serves more than 23 million members across five states: Illinois, Montana, New Mexico, Oklahoma, and Texas. Their focus on community health, sustainability, and ethical practices underscores their commitment to making a positive impact in the healthcare industry.

7. Vitality

• Website: vitality.co.uk
• Ownership type: Private
• Headquarters: London, England, United Kingdom (UK)
• Employee distribution: United Kingdom (UK) 92%, South Africa 7%
• Latest funding: Other (Grant), $31,000, February 2017
• Founded year: 2004
• Headcount: 1001-5000
• LinkedIn: vitalityuk

Vitality is a health and life insurance provider based in London, UK, founded in 2004. The company offers a range of insurance products, including health insurance, life insurance, and wellness programs. Vitality is known for its focus on promoting healthy living among its members, providing tools and resources to help them improve their health. The company operates under a Shared Value Insurance model, which aims to create benefits for both the company and its customers. Vitality has received recognition for its innovative approach, including multiple 5 Star Defaqto ratings for its health and life insurance products. With a workforce of approximately 2,394 employees, the company has a strong presence in the UK, with a small percentage of its operations in South Africa. Vitality's commitment to health and wellness is further demonstrated through its partnerships with various fitness and health brands, offering rewards and incentives to encourage active lifestyles.

8. Regence BlueCross BlueShield of Oregon

• Website: regence.com
• Ownership type: Private
• Headquarters: Portland, Oregon, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1991
• Headcount: 5001-10000
• LinkedIn: regence-bluecross-blueshield

Regence BlueCross BlueShield of Oregon, founded in 1991 and based in Portland, Oregon, is a private health insurance provider. The company offers a range of health plans designed for individuals, families, and employers. Their services include behavioral health support, pharmacy savings, and preventive care resources, catering to a broad audience seeking health coverage. Regence is particularly noted for its commitment to mental health services, providing access to virtual therapy and counseling sessions. They also emphasize customer service, with a dedicated team available to assist members. As an independent licensee of the Blue Cross Blue Shield Association, Regence operates in Oregon, Idaho, Utah, and select counties in Washington, ensuring a robust network of providers for their members. The company has not reported any recent funding, indicating stability in its operations.

9. Vhi

• Website: vhi.ie
• Ownership type: Private
• Headquarters: Kilkenny, Kilkenny, Ireland
• Employee distribution: Ireland 100%
• Founded year: 1957
• Headcount: 1001-5000
• LinkedIn: vhi-healthcare

Vhi Healthcare, based in Kilkenny, Ireland, is a prominent health insurance provider that has been operational since 1957. The company offers a broad spectrum of health insurance products tailored to meet the needs of individuals, families, and businesses. Vhi's offerings include not only traditional health insurance but also dental and travel insurance, reflecting their commitment to comprehensive health coverage. They operate the Vhi 360 Health Centre, which provides urgent care, health checks, and various wellness services. Vhi serves over one million customers, making it a key player in the Irish health insurance market. The company is regulated by the Central Bank of Ireland, ensuring compliance and consumer protection. Vhi's focus on customer service is highlighted by their online health team and 24/7 nurse line, which provide immediate access to medical advice and support.

10. Medical Mutual

• Website: medmutual.com
• Ownership type: Private
• Headquarters: Cleveland, Ohio, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1934
• Headcount: 1001-5000
• LinkedIn: medical-mutual

Medical Mutual of Ohio is a health insurance provider based in Cleveland, Ohio, with a history dating back to 1934. The company offers a range of insurance plans, including medical, dental, vision, and Medicare options, catering to individuals, families, and employers. With approximately 3,173 employees, Medical Mutual is dedicated to helping its members access necessary healthcare services and manage health-related expenses. Their commitment to community health is evident in their operations across various locations in Ohio. The company emphasizes wellness programs and chronic condition management, showcasing their focus on preventive care and overall health improvement. Medical Mutual also provides educational resources to help consumers understand their health insurance options, further enhancing their role in the industry.

11. eHealth, Inc.

• Website: ehealth.com
• Ownership type: Private
• Headquarters: Santa Clara, California, United States (USA)
• Employee distribution: United States (USA) 93%, China 6%
• Founded year: 1997
• Headcount: 1001-5000
• LinkedIn: ehealthinsurance

eHealth, Inc., founded in 1997 and based in Santa Clara, California, operates as a health insurance provider. The company specializes in offering a variety of health insurance plans, including Medicare options, individual and family plans, and employer health insurance solutions. eHealth serves both consumers and businesses, facilitating the process of finding appropriate coverage that aligns with specific healthcare needs and financial constraints. The company positions itself as a health insurance matchmaker, providing tools for users to compare plans, check coverage for doctors and prescriptions, and receive personalized recommendations from licensed benefit advisors. With a workforce of over 2,000 employees, eHealth has established a notable presence in the health insurance market, focusing on delivering accessible and user-friendly services to its clients.

12. Blue Cross and Blue Shield of Kansas

• Website: bcbsks.com
• Ownership type: Private
• Headquarters: Topeka, Kansas, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1942
• Headcount: 1001-5000
• LinkedIn: bcbsks

Blue Cross and Blue Shield of Kansas is a health insurance provider based in Topeka, Kansas, with a history dating back to 1942. The company operates as an independent licensee of the Blue Cross Blue Shield Association, which allows it to offer a variety of health insurance products. Their portfolio includes individual and family health plans, Medicare options, and employer health insurance solutions. The company is dedicated to helping Kansans manage healthcare costs and access necessary medical services. With a workforce of approximately 1,162 employees, Blue Cross and Blue Shield of Kansas plays a significant role in the local healthcare market, providing essential coverage to both individuals and businesses. Their focus on customer service and community engagement further solidifies their position in the health insurance sector.

13. Zilveren Kruis

• Website: zilverenkruis.nl
• Ownership type: Private
• Headquarters: Leiden, South Holland, Netherlands
• Employee distribution: Netherlands 100%
• Founded year: 1949
• Headcount: 1001-5000
• LinkedIn: zilveren-kruis-achmea

Zilveren Kruis, based in Leiden, South Holland, is a prominent health insurance provider in the Netherlands. Established in 1949, the company has grown to employ over 1,500 individuals, focusing on delivering health insurance solutions that cater to the needs of individuals and families. Zilveren Kruis offers a variety of insurance products, including basic health insurance, supplementary coverage, and dental insurance. As part of the Achmea Group, Zilveren Kruis benefits from a robust organizational structure and resources, allowing it to maintain a competitive edge in the market. The company emphasizes customer engagement, inviting clients to share ideas and feedback to enhance their services. This proactive approach not only fosters a sense of community but also helps Zilveren Kruis adapt to the evolving needs of its policyholders.

14. Amil

• Website: amil.com.br
• Ownership type: Corporate
• Headquarters: Sao Paulo, Sao Paulo, Brazil
• Employee distribution: Brazil 100%
• Latest funding: $4.3B, October 2012
• Founded year: 1978
• Headcount: 10001+
• LinkedIn: amil

Amil, founded in 1978 and headquartered in São Paulo, Brazil, is a prominent healthcare company that specializes in medical assistance and health insurance services. The company provides a variety of health plans and dental coverage tailored for individuals and families, ensuring access to a wide network of accredited medical providers. Amil's operations are centered around managing health insurance and supporting medical expenses, which positions it as a key player in the Brazilian health insurance market. With over 11,000 employees, Amil has a robust workforce dedicated to delivering healthcare solutions. The company has also attracted significant investment, with a reported funding amount of approximately $4.3 billion, reflecting its strong market position and growth potential.

15. Wellmark Blue Cross and Blue Shield

• Website: wellmark.com
• Ownership type: Private
• Headquarters: Des Moines, Iowa, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1939
• Headcount: 1001-5000
• LinkedIn: wellmark

Wellmark Blue Cross and Blue Shield is a health insurance provider based in Des Moines, Iowa, with a history dating back to 1939. The company operates primarily in Iowa and South Dakota, offering a variety of insurance products tailored to meet the needs of individuals, families, and businesses. Their offerings include Medicare Advantage plans, individual and family health insurance, dental, and life insurance. Wellmark is dedicated to helping its members manage healthcare costs and access necessary medical services. The company emphasizes quality care and has been recognized for its efforts in improving healthcare outcomes. Wellmark is also an independent licensee of the Blue Cross and Blue Shield Association, which allows it to leverage a broader network of providers and resources. This affiliation enhances its credibility and service capabilities in the health insurance sector.

16. PacificSource Health Plans

• Website: pacificsource.com
• Ownership type: Private
• Headquarters: Springfield, Oregon, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1933
• Headcount: 1001-5000
• LinkedIn: pacificsource-health-plans

PacificSource Health Plans, based in Springfield, Oregon, is a private health insurance provider that has been operational since 1933. The company specializes in offering a variety of health plans for individuals, families, and employers, including options for Medicare and Medicaid. PacificSource is dedicated to making healthcare accessible and provides wellness programs aimed at supporting the health needs of its members. With a workforce of approximately 1,199 employees, the company operates entirely within the United States, ensuring localized service and support. Their commitment to customer service is evident in their approach, which prioritizes human interaction over automated systems. This focus on personal service, combined with their comprehensive range of health plans, positions PacificSource as a significant player in the health insurance industry.

17. Sanitas Krankenversicherung

• Website: sanitas.com
• Ownership type: Private
• Headquarters: Zurich, Zurich, Switzerland
• Employee distribution: Switzerland 100%
• Founded year: 1958
• Headcount: 501-1000
• LinkedIn: sanitas-krankenversicherung

Sanitas Krankenversicherung, based in Zurich, Switzerland, is a private health insurance provider that has been operational since 1958. The company offers a variety of health insurance plans, including basic and supplementary insurance, tailored to meet the needs of individuals. Sanitas is dedicated to helping its clients manage healthcare costs while ensuring access to necessary medical services. The company operates primarily through its online portal, which facilitates efficient management of insurance affairs for its customers. In addition to insurance coverage, Sanitas provides wellness programs and health advice, reflecting its commitment to promoting overall health and well-being. With a workforce of approximately 707 employees, Sanitas has positioned itself as a significant entity in the Swiss health insurance sector, focusing on customer satisfaction and innovative service delivery.

18. AXA PPP healthcare

• Website: axappphealthcare.co.uk
• Ownership type: Private
• Headquarters: Royal Tunbridge Wells, England, United Kingdom (UK)
• Founded year: 1940
• Headcount: 1001-5000
• LinkedIn: axa-ppp-healthcare

AXA PPP healthcare, now branded as AXA Health, is a prominent health insurance provider based in Royal Tunbridge Wells, England. Founded in 1940, the company has built a reputation for offering a range of health insurance plans tailored to individuals, families, and businesses. Their services emphasize quick access to private healthcare, wellness support, and fitness offers, ensuring that customers receive timely medical attention and resources for their health needs. AXA Health also provides additional benefits such as online GP services and a 24/7 health support line, enhancing the overall customer experience. The company has received a 5-star rating from Defaqto, reflecting the quality of their health plans. With a workforce of approximately 1,933 employees, AXA Health continues to play a significant role in the health insurance industry, adapting to the evolving needs of its clients.

19. Blue Cross Blue Shield of Arizona

• Website: azblue.com
• Ownership type: Private
• Headquarters: Phoenix, Arizona, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1939
• Headcount: 1001-5000
• LinkedIn: blue-cross-blue-shield-of-arizona

Blue Cross Blue Shield of Arizona (BCBSAZ), founded in 1939, is a private health insurance provider based in Phoenix, Arizona. With a workforce of approximately 2,293 employees, the company serves a substantial customer base, including individuals, families, and businesses seeking health coverage. BCBSAZ offers a range of plans tailored to meet various health needs, including Affordable Care Act (ACA) plans, Medicare, and Medicaid services. The company emphasizes member satisfaction, having been ranked #1 in the U.S. Southwest region for member satisfaction among commercial health plans. BCBSAZ also engages in community initiatives, providing grants and support for health-related programs, which reflects their commitment to improving health outcomes in Arizona. Their extensive provider network includes a high percentage of physicians and hospitals, ensuring that members have access to quality care.

20. Salud Total

• Website: saludtotal.com.co
• Ownership type: Family Owned
• Headquarters: Colombia
• Employee distribution: Colombia 98%, Other 2%
• Founded year: 1991
• Headcount: 1001-5000
• LinkedIn: salud-total

Salud Total EPS-S, founded in 1991, is a family-owned health insurance provider based in Colombia. The company operates primarily in the healthcare sector, offering a wide array of health services and insurance plans tailored for individuals and families. With a workforce of over 4,300 employees, Salud Total has established itself as a significant entity in the Colombian health insurance market, serving more than 4.7 million members across 17 cities and over 270 locations nationwide. The company emphasizes health promotion and preventive care, aiming to manage health risks effectively. Its services include medical consultations, vaccination programs, and specialized care for various demographics, from children to the elderly. Salud Total is also recognized for its commitment to transparency and social participation, allowing members to engage in health-related associations. The company has not reported any recent funding, indicating a stable operational model without external financial dependencies.

21. MedPlus S.A.

• Website: medplus.com.co
• Ownership type: Private
• Headquarters: Bogota, Bogota, Colombia
• Employee distribution: Colombia 98%, Other 2%
• Founded year: 1991
• Headcount: 1001-5000
• LinkedIn: medplus-medicina-prepagada

MedPlus S.A. is a prominent health insurance provider based in Bogotá, Colombia. Founded in 1991, the company specializes in pre-paid medical plans, catering to the healthcare needs of individuals and families. With a workforce of approximately 589 employees, MedPlus has established a robust network of over 3,300 affiliated institutions and 2,400 healthcare providers across the country. This extensive network allows them to offer a wide array of medical services, ensuring that their clients have access to quality healthcare. MedPlus serves around 100,000 users and operates in 15 regions, demonstrating its significant footprint in the Colombian healthcare market. The company emphasizes customer service, providing personalized assistance and innovative solutions such as unemployment insurance for their clients. MedPlus is committed to social responsibility, engaging in initiatives that promote health access for vulnerable communities. Their operational model is built on the principles of quality service and continuous improvement, making them a relevant player in the individual health insurance sector.

22. Blue Cross Blue Shield of Montana

• Website: bcbsmt.com
• Ownership type: Corporate
• Headquarters: Helena, Montana, United States (USA)
• Employee distribution: United States (USA) 100%
• Latest funding: $18.0M, November 2012
• Founded year: 1940
• Headcount: 501-1000
• LinkedIn: blue-cross-blue-shield-of-montana

Blue Cross and Blue Shield of Montana (BCBSMT) is a health insurance provider based in Helena, Montana, with a history dating back to 1940. The company offers a range of health insurance plans designed for individuals, families, and employers, catering to the healthcare needs of over 300,000 Montanans. BCBSMT is dedicated to making healthcare more affordable and accessible, emphasizing innovation and community well-being. The company operates as a division of Health Care Service Corporation, an independent licensee of the Blue Cross and Blue Shield Association. BCBSMT provides a robust network of healthcare providers, ensuring that members have access to quality care across the state. Their offerings include individual and family plans, Medicare options, and group insurance, reflecting their commitment to serving various segments of the population.

Individual Health Insurance Insights: Key Companies

Company	Headquarter	Size	Founded	Ownership
UnitedHealthcare	Minnetonka, Minnesota, United States (USA)	10001+	1977	Private
Health Net	Los Angeles, California, United States (USA)	1001-5000	1979	Corporate
Florida Blue	Jacksonville, Florida, United States (USA)	5001-10000	2001	Private
Medica	Minnetonka, Minnesota, United States (USA)	1001-5000	1975	Corporate
NotreDame Intermédica	Sao Paulo, Sao Paulo, Brazil	10001+	1968	Private
Health Care Service Corporation	Chicago, Illinois, United States (USA)	10001+	1936	Private
Vitality	London, England, United Kingdom (UK)	1001-5000	2004	Private
Regence BlueCross BlueShield of Oregon	Portland, Oregon, United States (USA)	5001-10000	1991	Private
Vhi	Kilkenny, Kilkenny, Ireland	1001-5000	1957	Private
Medical Mutual	Cleveland, Ohio, United States (USA)	1001-5000	1934	Private
eHealth, Inc.	Santa Clara, California, United States (USA)	1001-5000	1997	Private
Blue Cross and Blue Shield of Kansas	Topeka, Kansas, United States (USA)	1001-5000	1942	Private
Zilveren Kruis	Leiden, South Holland, Netherlands	1001-5000	1949	Private
Amil	Sao Paulo, Sao Paulo, Brazil	10001+	1978	Corporate
Wellmark Blue Cross and Blue Shield	Des Moines, Iowa, United States (USA)	1001-5000	1939	Private
PacificSource Health Plans	Springfield, Oregon, United States (USA)	1001-5000	1933	Private
Sanitas Krankenversicherung	Zurich, Zurich, Switzerland	501-1000	1958	Private
AXA PPP healthcare	Royal Tunbridge Wells, England, United Kingdom (UK)	1001-5000	1940	Private
Blue Cross Blue Shield of Arizona	Phoenix, Arizona, United States (USA)	1001-5000	1939	Private
Salud Total	Colombia	1001-5000	1991	Family Owned
MedPlus S.A.	Bogota, Bogota, Colombia	1001-5000	1991	Private
Blue Cross Blue Shield of Montana	Helena, Montana, United States (USA)	501-1000	1940	Corporate

Want to Find More Individual Health Insurance Companies?

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