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1. Blue Cross Blue Shield (BCBS)
- Wide national network of doctors and hospitals
- Affordable ACA marketplace plans with subsidies
- Strong preventive care coverage
2. UnitedHealthcare
- Offers family-friendly plans with telehealth included
- Good for families who want digital tools and wellness programs
- Large provider network
3. Kaiser Permanente
- Best for families in states where Kaiser operates
- Integrated care system with hospitals and doctors under one network
- Affordable premiums with strong preventive care
4. Aetna (CVS Health)
- Affordable family plans with pharmacy benefits
- Good for families who want bundled health + pharmacy care
- Strong wellness and preventive programs
5. Cigna
- Known for global coverage and strong family plans
- Affordable ACA marketplace options
- Good for families who travel often
6. Molina Healthcare
- Focuses on affordable ACA marketplace plans
- Great for families with lower income who qualify for subsidies
- Strong preventive and pediatric care
7. Oscar Health
- Tech-driven, easy-to-use app for families
- Affordable premiums in many states
- Great for younger families who prefer digital-first care
8. Ambetter (Centene)
- One of the most affordable ACA marketplace providers
- Offers wellness rewards and telehealth
- Strong option for families looking for budget-friendly coverage
9. Humana
- Known for preventive care and wellness programs
- Affordable family plans in select states
- Good for families who want extra wellness benefits
10. Local ACA Marketplace Plans
- Depending on your state, local insurers may offer the most affordable family coverage
- Subsidies under the Affordable Care Act can reduce premiums significantly
- Families earning under certain income levels may qualify for