Best Health Insurance Companies: What 2020's Customer Reviews Reveal

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Written by: Alice Stevens | Best Company Editorial Team

Last Updated: September 8th, 2020

2020 Open Enrollment is just around the corner. With health care concerns from the pandemic and increased health care access concerns resulting from shutdown layoffs, health insurance's role in removing barriers to health care access are much clearer.

Since health insurance companies can change their offerings and even your current plan, you should shop around each year to make sure that you have health insurance that fits your budget and meets your needs.

For helpful information on choosing a health plan, read "4 Things to Look For in a Health Plan [Video]".

In addition to finding a good health plan, it's important to choose a trusted and reliable insurer. To help you identify the best health insurance companies to work with, we'll review what this year's customer reviews say about seven companies.

While BestCompany.com lists more than seven health insurance companies, only seven had a worthwhile number of reviews to analyze. These seven are listed from most 2020 reviews to least.

(In other words, we're the most confident about our findings for BlueCross BlueShield because there were more reviews. We're the least confident about our findings for Molina Healthcare because there were fewer reviews to analyze.)

  1. BlueCross BlueShield
  2. UnitedHealthcare
  3. Oscar
  4. SelectHealth
  5. Ambetter
  6. Kaiser Permanente
  7. Molina Healthcare

graphic summarizing 2020's reviews for BlueCross BlueShield

1. BlueCross BlueShield

BestCompany.com Rank: #2
2020 Best Company User Rating: 4.11/5
2020 Review Breakdown:

  • 51% 5-Star
  • 29% 4-Star
  • 6% 3-Star
  • 6% 2-Star
  • 7% 1-Star

2020 Reviews by State:

  • 14% from Utah
  • 12% from Mississippi
  • 7% from Texas
  • 5% from California
  • 5% from Florida

2020 Most Common Complaint: 10 percent of all 2020 reviewers expressed dissatisfaction with the cost.
2020 Most Common Praise: 29 percent of all 2020 reviewers expressed satisfaction with customer service.

Coverage dissatisfaction (8%) and concerns with red tape (8%) both occurred almost as frequently as cost dissatisfaction.

Praise was much more common in BlueCross BlueSheild's 2020 reviews than complaints were. Other common praise included network satisfaction (21%), cost satisfaction (21%), coverage satisfaction (20%), claims satisfaction (14%), and general satisfaction (13%).

Note: Qualitative analysis based on a random sample of 80 out of 111 reviews left on BestCompany.com for BlueCross BlueShield as of August 3, 2020. The analysis has a 90 percent confidence level with a 5 percent margin of error.

The quantitative data points (i.e. 2020 user score, 2020 reviews by state, 2020 geography breakdown) are based on the total number of reviews. BestCompany.com Rank is the current ranking which considers all reviews left on a company's profile regardless of year.

Review Icon

Customer Review: Vantresa Scott from Annapolis, Maryland

"I've been with BCBS for most of my life. They have been great. I started when I was 26 years old and I am now 57. Their physician network is terrific and plans are great and I have never had a problem with them covering my expenses. NEVER EVER. I started my own company 5 years ago and we only offer BCBS plans because of the exceptional quality. Their national and international coverage is top notch."

Our Advice

With 80 percent of this year's reviews hitting 4 or 5 stars, BlueCross BlueShield is a great company to work with. Before enrolling in a plan, be sure you understand what's covered and what requires prior authorization. Having this understanding will help you be prepared for prior authorization and can prevent coverage concerns.

While the most common concern was cost (10%), 21 percent of reviews were happy with the cost. As you look at plans consider whether the monthly premiums fit into your budget and do your best to estimate what your out-of-pocket costs may be next year.

After evaluating BlueCross BlueShield plans, you can be confident in your insurance company choice since reviewers had more positive comments regarding customer service, provider network, coverage, and claims than negative ones.

Keep in mind that BlueCross BlueShield is a national company and works through many subsidiaries. For more specific information on the BlueCross BlueShield subsidiary in your area, look for reviews for it by name. Subsidiaries include Regence, Anthem, Florida Blue, Independence BlueCross, and others.

BlueCross BlueShield Health Insurance

Learn more about BlueCross BlueShield by reading customer reviews and our expert analysis.

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graphic summarizing UnitedHealthcare's 2020 reviews

2. UnitedHealthcare

BestCompany.com Rank: #5
2020 Best Company User Rating: 3.25/5
2020 Review Breakdown:

  • 42% 5-Star
  • 14% 4-Star
  • 4% 3-Star
  • 6% 2-Star
  • 34% 1-Star

2020 Reviews by State:

  • 13% from Florida
  • 11% from Utah
  • 6% from Texas
  • 4% from Arizona
  • 4% from California
  • 4% from New York

2020 Most Common Complaint: 28 percent of all 2020 reviewers expressed dissatisfaction with customer service.
2020 Most Common Praise: 18 percent of all 2020 reviewers expressed satisfaction with customer service.

The two other most common complaints were about claims (17%) and coverage (15%). 

Network satisfaction and general satisfaction tied for the second most common praise at 11 percent.

Note: Qualitative analysis based on a random sample of 65 out of 85 reviews left on BestCompany.com for UnitedHealthcare as of July 2020. The analysis has a 90 percent confidence level with a 5 percent margin of error.

The quantitative data points (i.e. 2020 user score, 2020 review breakdown, 2020 reviews by state) are based on the total number of reviews. BestCompany.com Rank is the current ranking which considers all reviews left on a company's profile regardless of year.

Review Icon

Customer Review: Dorothy from Omaha, Nebraska

"I have been a UnitedHealthcare customer for 2 years and highly recommend this reputable company. I was enrolled in their student health insurance plan and the plan's details were easy to understand, the plan was accepted at all of my providers, and customer service was always helpful!"

Our Advice

Based on this year's customer reviews, it's harder to give a clear recommendation of UnitedHealthcare. It's promising that a majority of its reviews (56%) are 4 or 5 stars. However, 34 percent of this year's reviews are 1 star. It's also concerning that reviewers offered more specific complaints than praise.

As with most health insurance companies, your coverage, network, and cost vary depending on the plan you choose. Health plan offerings can also vary by location.

Because of this variation, you need to review any health plan you consider carefully to ensure it covers the medical services you need. You also need to ensure that the monthly premiums fit your budget and that the health plan will help you control your out-of-pocket expenses.

Since most UnitedHealthcare members reported a good experience this year, UnitedHealthcare is worth considering. However, carefully review the coverage offered in each plan you consider before you enroll. You'll want to avoid issues with claims and coverage. Double-checking that the services you need are covered will increase the odds that you'll have a good experience with UnitedHealthcare. 

UnitedHealthcare Health Insurance

Learn more about UnitedHealthcare by reading customer reviews and our expert analysis.

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graphic summarizing 2020's reviews for Oscar

3. Oscar

BestCompany.com Rank: #1
2020 Best Company User Rating: 3.61/5
2020 Review Breakdown:

  • 44% 5-Star
  • 20% 4-Star
  • 8% 3-Star
  • 7% 2-Star
  • 20% 1-Star

2020 Reviews by State:

  • 31% from Texas
  • 24% from California
  • 14% from Florida
  • 12% from New York

2020 Most Common Complaint: 22 percent of all 2020 reviewers expressed dissatisfaction with Oscar's provider network.
2020 Most Common Praise: 43 percent of all 2020 reviewers expressed satisfaction with customer service.

Poor customer service was the next most common complaint at 14 percent.

Praise was far more common in Oscar reviews and included general satisfaction (16%), satisfaction with the app (16%), satisfaction with perks and incentives (16%), network satisfaction (14%), and cost satisfaction (14%).

Note: Qualitative analysis based on a random sample of 49 out of 59 reviews left on BestCompany.com for Oscar as of July 2020. The analysis has a 90 percent confidence level with a 5 percent margin of error.

The quantitative data points (i.e. 2020 user score, 2020 review breakdown, 2020 reviews by state) are based on the total number of reviews. BestCompany.com Rank is the current ranking which considers all reviews left on a company's profile regardless of year.

Review Icon

Customer Review: Brock Williams from Los Angeles, California

"Oscar has been the best health insurance company I've ever had. I've been self-employed my entire adult life, so I've paid for my own health insurance and I've had a lot of different policies with different companies, in multiple states. Oscar has been the most affordable, easiest to navigate and best coverage I've ever had."

Our Advice

While 64 percent of Oscar's reviews are 4 or 5 stars, 20 percent are 1 star. As you consider Oscar health plans, pay attention to the provider network in your area. Make sure that the doctors you need are reasonably close.

Fortunately, Oscar reviewers had more positive things to say than negative ones. If you're looking for a good app, nice perks and incentives, and good cost, Oscar is worth investigating further.

Again, be sure to review each plan's network, coverage, and cost to ensure that you find an affordable health plan that meets your needs.

Oscar Health Insurance

Learn more about Oscar by reading customer reviews and our expert analysis.

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graphic summarizing 2020's reviews for SelectHealth

4. SelectHealth

BestCompany.com Rank: #6
2020 Best Company User Rating: 4.32/5
2020 Review Breakdown:

  • 54% 5-Star
  • 32% 4-Star
  • 8% 3-Star
  • 3% 2-Star
  • 3% 1-Star

2020 Reviews by State:

  • 70% from Utah
  • 11% from Minnesota
  • 5% from California

2020 Most Common Complaint: 11 percent of all 2020 reviewers expressed that SelectHealth was expensive.
2020 Most Common Praise: General satisfaction and good customer service tied at 46 percent of all 2020 reviewers.

Praise was far more frequent in SelectHealth reviews than complaints. Other common praise included provider network satisfaction (22%), coverage satisfaction (22%), and clarity regarding coverage (16%).

Note: Qualitative and quantitative analysis based on 37 reviews left on BestCompany.com for SelectHealth as of July 2020. BestCompany.com Rank is the current ranking which considers all reviews left on a company's profile regardless of year.

Review Icon

Customer Review: Aidan Keogh from Ogden, Utah

"We have like Select Health Insurance. The coverage is great and the number of available facilities and providers is large. They are quick to pay out benefits and to inform us what they plan on paying."

Our Advice

SelectHealth offers health plans in Utah and Idaho. With 86% of this year's reviews earning 4 or 5 stars, SelectHealth is a recommended health insurer. Even though SelectHealth received only 37 customer reviews on BestCompany.com this year, it has consistently received a high proportion of 4 and 5 star reviews.

Based on this year's reviews, you're likely to find good customer service, good provider networks, coverage, and be generally satisfied.

While 2020 SelectHealth's reviews were full of general satisfaction and praise, cost was the most common complaint. You'll want to review your health plan's costs before enrolling. Your costs include monthly premiums and out-of-pocket expenses. Review the copays or coinsurance for the health services you think you'll need next year.

Since most of this year's reviews come from Utah, it's difficult to say whether SelectHealth is as good in Idaho as it is in Utah. If you're in Idaho, review SelectHealth plans for the provider network, coverage, and cost. Compare these three aspects to plans offered by other insurers in your area to see which best meet your coverage and financial needs.

SelectHealth Health Insurance

Learn more about SelectHealth by reading customer reviews and our expert analysis.

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graphic summarizing 2020's reviews for Ambetter

5. Ambetter

BestCompany.com Rank: #7
2020 Best Company User Rating: 1.72/5
2020 Review Breakdown:

  • 14% 5-Star
  • 6% 4-Star
  • 0% 3-Star
  • 0% 2-Star
  • 81% 1-Star

2020 Reviews by State:

  • 31% from Texas
  • 14% from Georgia
  • 11% from Arizona
  • 11% from Florida

2020 Most Common Complaint: 39 percent of all 2020 reviewers expressed dissatisfaction with coverage.
2020 Most Common Praise: 11 percent of all 2020 reviewers expressed satisfaction with customer service.

Complaints were quite common in Ambetter's reviews. Other common complaints included network dissatisfaction (31%), claims issues (31%), and poor customer service (22%).

Note: Qualitative and quantitative analysis based on 36 reviews left on BestCompany.com for Ambetter as of July 2020. BestCompany.com Rank is the current ranking which considers all reviews left on a company's profile regardless of year.

Our Advice

Even though Ambetter received only 36 reviews this year, 81 percent of them are 1 star. Ambetter has also consistently earned a high proportion of 1-star reviews on BestCompany.com, which means that Ambetter is not a recommended insurance company.

If you don't have another option in your area, ask questions about the provider network, the claims process, and be sure to throughoughly understand what coverage your plan offers.

Learn more about Ambetter by reading customer reviews and our expert analysis.

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graphic summarizing 2020's reviews for Kaiser Permanente

6. Kaiser Permanente

BestCompany.com Rank: #4
2020 Best Company User Rating: 3.56/5
2020 Review Breakdown:

  • 48% 5-Star
  • 10% 4-Star
  • 14% 3-Star
  • 3% 2-Star
  • 24% 1-Star

2020 Reviews by State:

  • 21% from California
  • 17% from Utah
  • 10% from Colorado
  • 10% from Georgia
  • 10% from Oregon

2020 Most Common Complaint: 45 percent of all 2020 reviewers were unhappy or had difficulty with doctors and staff.
2020 Most Common Praise: 48 percent of all 2020 reviewers were happy with doctors and staff.

Other complaints included issues with member services or red tape (24%) and concerns that Kaiser Permanente was expensive (10%).

Other common praise included Kaiser Permanente's convenience (14%) and cost or coverage satisfaction (14%).

Note: Qualitative and quantitative analysis based on 29 reviews left on BestCompany.com for Kaiser Permanente as of July 2020. BestCompany.com Rank is the current ranking which considers all reviews left on a company's profile regardless of year.

Review Icon

Customer Review: Luna from Rockville, Maryland

"The doctors and nurses there are very nice. They have clean and high technology equipment. I think it worth the money."

Our Advice

Even though a majority of Kaiser Permanete's reviews this yearwere 4 or 5 stars (56%), it still received a good chunck of 1-star reviews (24%). Considering other years, Kaiser Permanente has close to the same proportion of 5-star and 1-star reviews. It's tricky to make a clear recommendation.

Kaiser Permanente stands out from other health insures because it employes doctors and runs hospitals instead of negotiating and contracting with doctors and hospitals to build a provider network.

When you enroll in a Kaiser Permanente plan, you'll be limited to its doctors, clinics, and hospitals. Since both the most common complaint and most common praise this year were about Kaiser Permanete's doctors, you'll want to know how many Kaiser Permanente facilities and doctors are in your area and how good they are to gauge how well a Kaiser Permanente plan might work for you.

You'll also want to pay attention to how your plan's coverage works and whether any services require prior authorization. Doing so will help you use your health plan better and be prepared for the prior authorization process.

Kaiser Permanente Health Insurance

Learn more about Kaiser Permanente by reading customer reviews and our expert analysis.

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graphic summarizing 2020's reviews for Molina Healthcare

7. Molina Healthcare

BestCompany.com Rank: #14
2020 Best Company User Rating: 3.56/5
2020 Review Breakdown:

  • 4% 5-star
  • 13% 4-star
  • 9% 3 star
  • 0% 2-star
  • 74% 1-star

2020 Reviews by State:

  • 17% from Utah
  • 13% from South Carolina
  • 13% from Texas
  • 13% from Washington
  • 9% from Wisconsin

2020 Most Common Complaint: Poor customer service, poor coverage, and network dissatisfaction tied with 35 percent of all 2020 reviews.
2020 Most Common Praise: 9 percent of all 2020 reviewers expressed general satisfaction.

Other common complaints included issues with red tape (22%), premium or billing difficulties (22%), and high out-of-pocket costs (13%).

Note: Qualitative and quantitative analysis based on 23 reviews left on BestCompany.com for Molina Healthcare as of July 2020. BestCompany.com Rank is the current ranking which considers all reviews left on a company's profile regardless of year.

Our Advice

Since the number of reviews is so small and this year's reviews are almost half of the reviews on BestCompany.com for Molina Healthcare, it's hard to make a certain recommendation. It's concerning that 74 percent of this year's Molina Healthcare's reviews were 1 star while only 17 percent were 4 or 5 stars.

If you're considering Molina Healthcare, call your doctors and doctors you may need to visit to ask if they accept Molina Healthcare insurance plans. You'll also want to carefully review the coverage its plans offer so that you know how to use your plan and how to approach prior authorization when needed.

You should also review your plan's costs, including the premium, deductible, copays, coinsurance, and out-of-pocket maximum. Keep an eye out for billing issues as well.

Learn more about Molina Healthcare by reading customer reviews and our expert analysis.

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The Top Health Insurance Companies

company logo
#1 Oscar chevron_right
8.4 Overall Score
3.4
starstarstarstar_halfstar_border
(533)
company logo
#2 BlueCross BlueShield chevron_right
8.2 Overall Score
3.8
starstarstarstar_halfstar_border
(493)
company logo
#3 Cigna chevron_right
7.9 Overall Score
2.8
starstarstar_halfstar_borderstar_border
(183)

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