Health Insurance Providers

Licensed Health Insurance Providers

Both listed insurers (owned by shareholders) and the mutual insurance companies (owned by policyholders) are licensed insurers. Blue Cross and Blue Shield companies are also licensed insurers. These programs began as a non-profit organizations in the framework of the state hospital (Blue Cross) and medical (Blue Shield) organizations. Blue Cross Blue Shield organizations are now (with some exceptions) normal commercial insurers use the Blue Cross Blue Shield name.
Self-funded Employee Health Plans and Tonik Health Insurance.

Employers and workers organizations sponsoring self-funded health plans. Some companies manage their own plans and other contract with an outside health insurer or HMO to provide coverage. Self-funded employee health plans work like state licensed insurers.