Payers determine patient prices and provider reimbursement rates. Providers deliver healthcare and implement new payment models. Purchasers fund health insurance through premiums. Patients receive healthcare and insurance coverage. Industry partners supply innovative solutions for cost reduction
Cigna Global ranks as the best overall with comprehensive coverage worldwide. GeoBlue Xplorer excels for U.S. citizens abroad with unlimited medical benefits. IMG offers broadest range of products in 170+ countries. William Russell specializes in Africa and Asia with cancer coverage
CopperPoint, Erie, Everest, Great American, ICW, Pinnacol Assurance and Texas Mutual lead the market. All top companies received five out of five stars in Forbes' evaluation
Kaiser Permanente leads with lowest average premium and lowest silver deductible. Aetna ranks second with lowest complaint level among analyzed companies. Oscar excels in bronze plans with reasonable pricing. Blue Cross Blue Shield offers best provider network in all 50 states
Founded in 1899 by Alfred M. Best in New York City. Started rating insurance companies after 1906 San Francisco earthquake. Operates in over 100 countries, assessing 16,000+ insurance companies
NBFIs are financial institutions without banking licenses or regulatory supervision. They provide bank-related services like investment and risk pooling. Term "non-bank" likely originated as "non-deposit taking banking institution"