Top Insurance Plans

Cigna focuses on affordability and digital, convenient care. Plans vary in terms of coverage, of course, but some offer:

• $0 dedicated virtual urgent care
• $0 preventive care visits
• $3 or less generic prescription medications for most plans
• Access to MDLIVE's primary care, virtual dermatology, and virtual behavorial health
• Access to personalized health coaches
• Cigna's website and mobile app
• A rewards program where you can earn up to $325

Aetna has been around for the last 170 years and owns CVS, available to so many across the country. Plans vary in terms of coverage, of course, but some offer:

• Access to CVS walk-in clinics around the country
• $0 virtual urgent care
• $0 preventive care visits
• $100 yearly allowance for CVS Health-branded products

Zurich offers all kinds of insurance, including travel, stop-loss, student accident, and supplemental health insurance. Here's a quick rundown of what we know:

• Flexible - they have plans across a variety of use cases
• Multinational - Coverage for those who travel or spend a large amount of time overseas
• Not digitally oriented - we don't see a lot of digital services/solutions available to their members

AVMed has a variety of plans available at different price points, including some that are subsidy eligible. Like Cigna, their focus is on affordability. Here's a quick rundown of what we know:

• Copays as low as $10 for primary care
• Deductibles start at $0
• $0 virtual telehealth visits
• Rx copays as low as $0 for preferred generics

UnitedHealthcare is the 800 lb gorilla in the space. As the owner of Optum (the largest employer of doctors in the country), UnitedHealthcare Group controls both the insurance and the service sides of healthcare. Plans vary in terms of coverage, but some offer:

• Access to CVS walk-in clinics around the country
• $0 unlimited primary care
• $0 virtual urgent care
• $100 in rewards for health
• $5 or less prescription medications