Aetna Health Insurance provides health coverage options for individuals, families, employers and other eligible groups. The company is part of CVS Health and offers a range of healthcare products, including individual and family health insurance, employer-sponsored coverage, Medicare, Medicaid, dental, vision and supplemental insurance. The availability of specific products varies by state and market.
For individual and family coverage, Aetna offers several plan structures depending on location, including Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO) and Preferred Provider Organization (PPO) plans. Customers can also choose from available ACA metal tiers such as Bronze, Silver and Gold. Each plan has its own premium, deductible, copayment, coinsurance, provider network and out-of-pocket costs, so customers should review the plan's benefits before enrolling.
One of Aetna's notable strengths is its healthcare network. Forbes Advisor reports that Aetna's network includes approximately 1.8 million healthcare professionals, including physicians, behavioral health providers and hospitals. Aetna also provides members with digital tools for finding providers, reviewing benefits, managing claims and accessing health-plan information. Eligible members may also have access to virtual care and participating MinuteClinic locations.
Aetna has also received positive recognition for its complaint record. Forbes Advisor named Aetna its "Best for low complaints" health insurance provider in its 2026 affordable health insurance analysis, based on complaint data, premiums, deductibles and plan offerings.
However, Aetna's ACA Marketplace availability is limited to certain states, and premiums and benefits can differ considerably based on location, age, plan type and other factors. Customers should therefore check current availability and compare the complete cost of a plan rather than looking only at the monthly premium. Aetna provides a Summary of Benefits and Coverage (SBC) for applicable plans to help consumers understand benefits and potential out-of-pocket costs.
