The 5 Best Health Insurance for Retirees in 2021

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Best Overall: UnitedHealthcare

Our choice for the best overall insurance provider for retirees is UnitedHealthcare because of its comprehensive coverage options that go above and beyond the limits of Medicare. With UnitedHealthcare, you can get worldwide coverage and vision, dental, and chiropractic care.

Best for Supplementing Medicare: Humana

If you have coverage through Medicare, our choice for the best supplemental policy is Humana. Humana’s Medicare Supplement Plans—also known as Medigap—help pay for your remaining health care costs, and plans may also cover extra services like foreign travel or your nursing care coinsurance.

Best for Low-Income Seniors: Medicaid

If you are a low-income senior, the best way to get health insurance is through Medicaid, a federal insurance program. With Medicaid, you can get free or low-cost coverage.

Best Short-Term Coverage: Golden Rule Insurance Company

The top pick for short-term insurance for retirees is the Golden Rule Insurance Company. Offering low monthly premiums, the Golden Rule Insurance Company is ideal for people who retire early and need to bridge the gap until they’re eligible for Medicare.

Best for Under 65: Cigna

If you plan on purchasing private insurance through the Health Insurance Marketplace, Cigna is our top choice. You can get comprehensive coverage, even if you have pre-existing conditions, and Cigna offers perks like $0 virtual care 24/7 access to nurses and doctors.

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