Best Health Insurance 2026

BCBS is best for nationwide PPO coverage — available in all 50 states with the largest provider network. Kaiser Permanente is best for care quality and lower out-of-pocket costs (where available). UHC is best for Medicare Advantage.

Bronze has the lowest premium and highest out-of-pocket. Silver is the most popular — most subsidies apply here. Gold has a higher premium but lower out-of-pocket. Platinum has the highest premium but lowest cost when you use care. Choose Silver if you qualify for cost-sharing reductions.

Buy through the ACA marketplace at healthcare.gov. Open enrollment runs November 1 – January 15. Losing job coverage gives you a 60-day Special Enrollment Period. Lower incomes may qualify for Medicaid (free) or ACA subsidies that significantly reduce your premium.

HMO plans require a primary care doctor and referrals for specialists — cheaper premiums but limited to a local network. PPO plans let you see any doctor without a referral, in or out of network, but cost more in premiums. If you travel or have existing specialists, choose a PPO.

Your deductible is the amount you pay before insurance kicks in. The out-of-pocket maximum is the most you'll pay in a year — after that, insurance covers 100%. In 2026, ACA out-of-pocket maximums are $9,450 for individuals and $18,900 for families.