Aetna health insurance review 2024 (2024)

Advertiser Disclosure

Advertiser Disclosure

Blueprint is an independent, advertising-supported comparison service focused on helping readers make smarter decisions. We receive compensation from the companies that advertise on Blueprint which may impact how and where products appear on this site.

The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Blueprint. Blueprint does not include all companies, products or offers that may be available to you within the market. A list of selected affiliate partners is available here.

Mandy Sleight

Aetna health insurance review 2024 (1)

Kara McGinley

Kara McGinley

Kara McGinley

Verified by an expert

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

BLUEPRINT

Updated 9:44 a.m. UTC Feb. 20, 2024

Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full advertiser disclosure policy.

Aetna

Blueprint Rating

Learn More

Via Healthcare.com's website

What you should know

Aetna offers HMO and EPO Affordable Care Act (ACA) plans in these states: Arizona, California, Delaware, Florida, Georgia, Illinois, Indiana, Kansas, Maryland, Missouri, Ohio, Nevada, New Jersey, North Carolina, Utah, Texas and Virginia.

Aetna’s individual options are Aetna CVS Health plans, which provide access to no-cost or low-cost care at more than 1,100 national MinuteClinic locations inside CVS or Target stores. Aetna also offers supplemental coverages, like dental, vision, accident, critical illness and indemnity plans.

Eligible Aetna health insurance plans include access to the Attain by Aetna app, which offers rewards and incentives for completing healthy activities. The app combines your personal health history and wearable device data to provide personalized tips for nutrition, mindfulness, sleep and long-term health improvements.

Weigh the pros and cons of this insurer in our Aetna health insurance review.

Pros

  • Affordable plan rates.
  • Discounts at CVS MinuteClinics.
  • Rewards for living a healthy lifestyle with some plans.

Cons

  • No PPO plan available.
  • No short-term insurance option.

Why trust our health insurance experts

Our team of insurance experts evaluates hundreds of insurance products and analyzes thousands of data points to help you find the best product for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our methodology below.

  • 129 health insurance companies analyzed.
  • 864 health insurance plan rates reviewed.
  • 5 levels of fact-checking.

About Aetna health insurance

Aetna was founded in 1853 in Hartford, Connecticut. In 1963, Aetna paid the first Medicare claim in the U.S. Aetna was acquired by CVS Health Corp. in 2018. Around 39 million people receive health care services from Aetna, with a network of 1 million providers nationwide.

Types of health insurance offered by Aetna

Aetna offers individual, family plans and group health insurance policies. Individual and family health insurance plans are sold under the brand Aetna CVS Health ACA plans.

Besides health insurance policies, Aetna members, individuals and families can also purchase:

  • Dental insurance.
  • Dual-Eligible Special Needs Plan (D-SNP).
  • Medicaid.
  • Medicare Advantage.
  • Medicare prescription drug plans.
  • Medicare supplement insurance plans.
  • Supplemental accident, illness and hospital insurance plans.
  • Vision insurance.

Types of plans and coverage available from Aetna

In addition to the plans above, there are two types of Aetna plans available in the health insurance marketplace:

  • EPO: Exclusive provider organization (EPO) plans only cover in-network physicians, specialists and hospitals. Referrals typically aren’t necessary when seeing a specialist.
  • HMO: The health maintenance organization (HMO) plans usually only cover provider care that you receive in the plan’s network. You will usually need to get a referral to see a specialist if you have an HMO.

Comparing Aetna plans side by side

Although EPO and HMO health plans seem similar, they work differently.

HMO

An HMO is one of the most affordable health insurance types. When you purchase an HMO policy, you’ll choose a doctor as your primary care physician (PCP). Your PCP will see you for regular checkups and provide referrals so you can see a specialist, such as a dermatologist or allergist. Although you may have to pay coinsurance and fixed copays, you will typically get lower deductibles and health insurance premiums, making an HMO a budget-friendly health insurance plan, whether you get it individually or through your employer.

EPO

EPOs aren’t as common, and you may not have heard of this type of health insurance plan. Like an HMO, an EPO only covers in-network health care, but you may not need a referral for specialists like you do with an HMO. It also has a larger network, making an EPO preferable if you have a specific doctor or specialist you prefer. You’ll likely pay higher premiums with an EPO than an HMO, but both are still typically cheaper than preferred provider organization (PPO) plans.

Additional benefits offered by Aetna

Aetna CVS Health plans offer extra benefits through the pharmacy chain. Aetna members can receive low-cost or free health care at more than 1,100 CVS MinuteClinic locations across the country. They can also receive a 20% discount when shopping CVS brand health care products.

How much does Aetna cost?

The following sections show Aetna health insurance example rates for various family makeups at different metal tier levels.

Aetna health insurance plans vary in cost, depending on your age, any spouse and dependent ages, plan type and coverage needs. Generally, the more you opt to pay out-of-pocket for health care services, the lower your premiums will be.

Cost examples for Aetna bronze plan

Health insurance plan memberHealth insurance monthly cost
Adult individual age 21$295
Adult individual age 27$310
Adult individual age 30$335
Adult individual age 40$378
Adult individual age 50$528
Adult individual age 60$802
Child age 0-14$226
Child age 18$270
Couple age 21$591
Couple age 30$671
Couple age 40$755
Couple age 50$1,055
Couple age 60$1,604
Couple age 21 + 1 child$817
Couple age 30 + 1 child$897
Couple age 40 + 1 child$981
Couple age 50 + 1 child$1,281
Couple age 21 + 2 children$1,043
Couple age 30 + 2 children$1,123
Couple age 40 + 2 children$1,207
Couple age 50 + 2 children$1,508
Couple age 21 + 3 or more children$1,269
Couple age 30 + 3 or more children$1,349
Couple age 40 + 3 or more children$1,433
Couple age 50 + 3 or more children$1,734
Individual age 21 + 1 child$522
Individual age 30 + 1 child$561
Individual age 40 + 1 child$604
Individual age 50 + 1 child$754
Individual age 21 + 2 children$748
Individual age 30 + 2 children$787
Individual age 40 + 2 children$830
Individual age 50 + 2 children$980
Individual age 21 + 3 or more children$974
Individual age 30 + 3 or more children$1,013
Individual age 40 + 3 or more children$1,056
Individual age 50 + 3 or more children$1,206

Cost examples for Aetna silver plan

Health insurance plan memberHealth insurance monthly cost
Adult individual age 21$373
Adult individual age 27$391
Adult individual age 30$424
Adult individual age 40$477
Adult individual age 50$667
Adult individual age 60$1,013
Child age 0-14$286
Child age 18$341
Couple age 21$747
Couple age 30$848
Couple age 40$954
Couple age 50$1,334
Couple age 60$2,027
Couple age 21 + 1 child$1,032
Couple age 30 + 1 child$1,133
Couple age 40 + 1 child$1,240
Couple age 50 + 1 child$1,619
Couple age 21 + 2 children$1,318
Couple age 30 + 2 children$1,419
Couple age 40 + 2 children$1,526
Couple age 50 + 2 children$1,905
Couple age 21 + 3 or more children$1,604
Couple age 30 + 3 or more children$1,704
Couple age 40 + 3 or more children$1,811
Couple age 50 + 3 or more children$2,190
Individual age 21 + 1 child$659
Individual age 30 + 1 child$709
Individual age 40 + 1 child$763
Individual age 50 + 1 child$952
Individual age 21 + 2 children$945
Individual age 30 + 2 children$995
Individual age 40 + 2 children$1,048
Individual age 50 + 2 children$1,238
Individual age 21 + 3 or more children$1,230
Individual age 30 + 3 or more children$1,281
Individual age 40 + 3 or more children$1,334
Individual age 50 + 3 or more children$1,524

Cost examples for Aetna gold plan

Health insurance plan memberHealth insurance monthly cost
Adult individual age 21$363
Adult individual age 27$380
Adult individual age 30$412
Adult individual age 40$463
Adult individual age 50$648
Adult individual age 60$984
Child age 0-14$277
Child age 18$331
Couple age 21$725
Couple age 30$823
Couple age 40$927
Couple age 50$1,295
Couple age 60$1,968
Couple age 21 + 1 child$1,003
Couple age 30 + 1 child$1,101
Couple age 40 + 1 child$1,204
Couple age 50 + 1 child$1,573
Couple age 21 + 2 children$1,280
Couple age 30 + 2 children$1,378
Couple age 40 + 2 children$1,482
Couple age 50 + 2 children$1,850
Couple age 21 + 3 or more children$1,558
Couple age 30 + 3 or more children$1,656
Couple age 40 + 3 or more children$1,759
Couple age 50 + 3 or more children$2,128
Individual age 21 + 1 child$640
Individual age 30 + 1 child$689
Individual age 40 + 1 child$741
Individual age 50 + 1 child$925
Individual age 21 + 2 children$918
Individual age 30 + 2 children$966
Individual age 40 + 2 children$1,018
Individual age 50 + 2 children$1,203
Individual age 21 + 3 or more children$1,195
Individual age 30 + 3 or more children$1,244
Individual age 40 + 3 or more children$1,296
Individual age 50 + 3 or more children$1,480

How Aetna compares to other health insurance companies

Aetna earns 4.5 out of 5 stars in our rating of the best health insurance companies. Kaiser Permanente is the only health insurance company that earns a perfect 5 out of 5 stars.

Aetna’s rates are very close to Kaiser’s for each sample health insurance plan member, as you can see in the pricing chart in the next section.

HEALTH INSURANCE COMPANYOUR RATINGLEARN MORE

Aetna health insurance review 2024 (4)Kaiser Permanente

Learn More

Via Healthcare.com’s website

HEALTH INSURANCE COMPANY

Aetna health insurance review 2024 (5)Kaiser Permanente

OUR RATING
LEARN MORE

Learn More

Via Healthcare.com’s website

Aetna health insurance review 2024 (6)Aetna

Learn More

Via Healthcare.com’s website

HEALTH INSURANCE COMPANY

Aetna health insurance review 2024 (7)Aetna

OUR RATING
LEARN MORE

Learn More

Via Healthcare.com’s website

Aetna health insurance review 2024 (8)Blue Cross Blue Shield

Learn More

Via Healthcare.com’s website

HEALTH INSURANCE COMPANY

Aetna health insurance review 2024 (9)Blue Cross Blue Shield

OUR RATING
LEARN MORE

Learn More

Via Healthcare.com’s website

Aetna health insurance review 2024 (10)UnitedHealthcare

Learn More

Via Healthcare.com’s website

HEALTH INSURANCE COMPANY

Aetna health insurance review 2024 (11)UnitedHealthcare

OUR RATING
LEARN MORE

Learn More

Via Healthcare.com’s website

Aetna health insurance review 2024 (12)Oscar Health

Learn More

Via Healthcare.com’s website

HEALTH INSURANCE COMPANY

Aetna health insurance review 2024 (13)Oscar Health

OUR RATING
LEARN MORE

Learn More

Via Healthcare.com’s website

Aetna health insurance review 2024 (14)Cigna

Learn More

Via Healthcare.com’s website

HEALTH INSURANCE COMPANY

Aetna health insurance review 2024 (15)Cigna

OUR RATING
LEARN MORE

Learn More

Via Healthcare.com’s website

Aetna health insurance review 2024 (16)Molina Healthcare

Learn More

Via Healthcare.com’s website

HEALTH INSURANCE COMPANY

Aetna health insurance review 2024 (17)Molina Healthcare

OUR RATING
LEARN MORE

Learn More

Via Healthcare.com’s website

Monthly cost for ACA marketplace Silver plans by company

Health insurance plan memberAetnaKaiser PermanenteBlue Cross Blue ShieldUnitedHealthcare
Adult individual age 21$373$372$484$431
Adult individual age 27$391$390$511$452
Adult individual age 30$424$423$552$489
Adult individual age 40$477$476$621$551
Adult individual age 50$667$665$868$770
Adult individual age 60$1,013$1,011$1,317$1,170
Child age 0-14$286$269$367$322
Child age 18$341$306$433$376
Couple age 21$747$745$968$862
Couple age 30$848$845$1,104$978
Couple age 40$954$952$1,241$1,102
Couple age 50$1,334$1,330$1,736$1,540
Couple age 60$2,027$2,021$2,633$2,340
Couple age 21 + 1 child$1,032$1,014$1,335$1,184
Couple age 30 + 1 child$1,133$1,114$1,471$1,300
Couple age 40 + 1 child$1,240$1,221$1,609$1,423
Couple age 50 + 1 child$1,619$1,599$2,103$1,861
Couple age 21 + 2 children$1,318$1,283$1,702$1,505
Couple age 30 + 2 children$1,419$1,383$1,838$1,622
Couple age 40 + 2 children$1,526$1,490$1,976$1,745
Couple age 50 + 2 children$1,905$1,868$2,470$2,183
Couple age 21 + 3 or more children$1,604$1,552$2,069$1,827
Couple age 30 + 3 or more children$1,704$1,652$2,206$1,943
Couple age 40 + 3 or more children$1,811$1,759$2,343$2,067
Couple age 50 + 3 or more children$2,190$2,137$2,838$2,505
Individual age 21 + 1 child$659$641$851$753
Individual age 30 + 1 child$709$692$919$811
Individual age 40 + 1 child$763$745$988$873
Individual age 50 + 1 child$952$934$1,235$1,091
Individual age 21 + 2 children$945$910$1,218$1,074
Individual age 30 + 2 children$995$961$1,286$1,133
Individual age 40 + 2 children$1,048$1,014$1,355$1,194
Individual age 50 + 2 children$1,238$1,203$1,602$1,413
Individual age 21 + 3 or more children$1,230$1,179$1,585$1,396
Individual age 30 + 3 or more children$1,281$1,230$1,654$1,454
Individual age 40 + 3 or more children$1,334$1,283$1,722$1,516
Individual age 50 + 3 or more children$1,524$1,472$1,970$1,735

Methodology

We analyzed insurers that sell individual health insurance plans to determine the best health insurance companies. Each health insurance company was eligible for up to 100 points, based on its performance in the following key categories:

  • Cost (30 points). Health insurance companies with the lowest average monthly premium and deductible for Silver tier health insurance plans received the highest score.
  • Consumer complaints (25 points). Health insurance companies with the lowest levels of complaints received the highest score. We collected complaint data from the National Association of Insurance Commissioners, which shows the volume of health insurance consumer complaints against each company.
  • NCQA quality rating (25 points). Health insurance companies with the highest quality ratings received the highest score. We collected data from the National Committee for Quality Assurance (NCQA), an independent, nonprofit organization that accredits health plans and produces ratings based on specific metrics.
  • Variety of health insurance plans (10 points). Health insurance companies with the greatest variety of health insurance plans (HMO, EPO, PPO) received the highest score.
  • Metal tier offerings (10 points). Health insurance companies with the most options of metal tier plans received the highest score.

Aetna health insurance review FAQs

Aetna is one of the oldest insurance companies, having been around for more than 170 years. It paid the country’s first Medicare claim in 1966 and became part of CVS Health in 2018.

Aetna has a financial stability rating of A (Excellent) with AM Best. This excellent rating shows the company’s ability to meet its monetary obligations, including paying out insurance claims. As an insurer with over $2 billion in assets, Aetna has a stable financial future, meaning it should have no problem paying out current and future health insurance claims.

See how Aetna compares to other insurers in our rating of the best health insurance companies.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy. The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Mandy Sleight

BLUEPRINT

Mandy is an insurance writer who has been creating online content since 2018. Before becoming a full-time freelance writer, Mandy spent 15 years working as an insurance agent. Her work has been published in Bankrate, MoneyGeek, The Insurance Bulletin, U.S. News and more.

Kara McGinley

BLUEPRINT

Kara McGinley is deputy editor of insurance at USA TODAY Blueprint and a licensed home insurance expert. Previously, she was a senior editor at Policygenius, where she specialized in homeowners and renters insurance. Her work and insights have been featured in MSN, Lifehacker, Kiplinger, PropertyCasualty360 and more.

More Stories

  • Our disability insurance ratings methodology

    Health insurance Heidi Gollub

  • Our health insurance ratings methodology

    Health insurance Heidi Gollub

  • More than 13% of Americans are lonely: Louisiana leads the way

    Health insurance Mandy Sleight

  • Drug, substance abuse and addiction statistics 2024

    Health insurance Timothy Moore

  • Mental health statistics 2024

    Health insurance Timothy Moore

  • Oscar Health insurance review 2024

    Health insurance Mandy Sleight

  • Best short-term health insurance companies of 2024

    Health insurance Mandy Sleight

  • Best vision insurance companies of June 2024

    Health insurance Mandy Sleight

  • Best health insurance companies of June 2024

    Health insurance Mandy Sleight

  • Best disability insurance companies of June 2024

    Health insurance Mandy Sleight

  • Best affordable health insurance plans of 2024

    Health insurance Mandy Sleight

  • What is Medicare?

    Health insurance Erin Gobler

  • What is long-term disability insurance and how does it work?

    Health insurance Reina Marszalek

  • What is short-term disability insurance and how does it work?

    Health insurance Reina Marszalek

  • What is disability insurance?

    Health insurance Reina Marszalek

Aetna health insurance review 2024 (2024)
Top Articles
Latest Posts
Article information

Author: Cheryll Lueilwitz

Last Updated:

Views: 5598

Rating: 4.3 / 5 (74 voted)

Reviews: 81% of readers found this page helpful

Author information

Name: Cheryll Lueilwitz

Birthday: 1997-12-23

Address: 4653 O'Kon Hill, Lake Juanstad, AR 65469

Phone: +494124489301

Job: Marketing Representative

Hobby: Reading, Ice skating, Foraging, BASE jumping, Hiking, Skateboarding, Kayaking

Introduction: My name is Cheryll Lueilwitz, I am a sparkling, clean, super, lucky, joyous, outstanding, lucky person who loves writing and wants to share my knowledge and understanding with you.