![]() However, Kaiser Permanente offers plans in four metal levels plus catastrophic coverage. The insurer’s HMO plans typically restrict care to in-network providers and clinics. The insurer also scores best for its premium and deductible costs when looking at two metal categories of plans (bronze and gold).īut on the downside, Kaiser Permanente is only available in eight states and the District of Columbia. For a broad age range (25-, 35-, and 45-year-olds), Kaiser offered the best premium-and-deductible costs. Kaiser is also great for people looking for lower premiums and deductibles. The company also came in first and second across multiple U.S. It’s one of only two commercial health insurers to achieve a 5-star NCQA rating (in the mid-Atlantic region of Maryland, Virginia, and Washington, D.C.). Kaiser’s plans achieve an average 4.2-star rating from the NCQA across various regions. Kaiser Permanente’s quality and customer satisfaction score is incredibly strong compared to all of the other providers we reviewed. You can choose from four metal levels (bronze, silver, gold, platinum) and catastrophic coverage, which is reserved for people under 30 or those who qualify for hardship or affordability exemptions. In addition to often affordable but provider-restrictive health maintenance organization (HMO) plans, BCBS offers preferred provider organization (PPO) plans, exclusive provider organization (EPO) plans, and point-of-service (POS) plans. Still, your specific plan’s NCQA score may vary.īCBS’s range of plan types is among the widest offered by top insurance providers. ![]() But when we averaged the NCQA scores of several plans, BCBS emerged with an average NCQA rating of 3.59 out of 5 stars, second only to Kaiser on this list. This can make it challenging to evaluate qualities like plan quality or customer satisfaction. However, plans vary by region-BCBS is an insurance network comprising dozens of smaller entities. BCBS has the best prices for 60-year-olds based on the quotes we gathered. If you seek a silver ACA plan, you’re in luck because BCBS offers the best premium and deductible scores for silver plans of the companies we evaluated. We reviewed premiums, deductibles, and copays to determine the cost score. ![]() physicians accept plans from the carrier, providing robust coverage when you travel within the country.īCBS also won our best overall cost score, which we calculated using price quotes across various age groups and metal tiers. BCBS boasts one of the largest provider networks overall, with 1.7 million providers. Claim is based on independent third party physician contract report.Blue Cross Blue Shield takes home our award for all-around favorite due to its substantial availability and networks, relatively low costs, and the buffet of plans and metal types available.īCBS enrollees live in all 50 states. ¹ Claim based on NAIC Market Share Report, published 2023. The Braven Health℠ name and symbols are service marks of Braven Health. The Horizon® name and symbols are registered marks and OMNIA℠ is a service mark of Horizon Blue Cross Blue Shield of New Jersey. The Blue Cross® and Blue Shield® name and symbols are registered marks of the Blue Cross Blue Shield Association. Communications may be issued by Horizon Blue Cross Blue Shield of New Jersey in its capacity as administrator of programs and provider relations for all its companies. Products and services are provided by Horizon Blue Cross Blue Shield of New Jersey, Horizon Insurance Company, Horizon Healthcare of New Jersey, Braven Health℠, and/or Horizon Healthcare Dental, Inc., each an independent licensee of the Blue Cross Blue Shield Association. To see all available Qualified Health Plan options, go to the New Jersey Health Insurance Marketplace at Get Covered NJ. This website does not display all Qualified Health Plans available through Get Covered NJ. This website is operated by Horizon Blue Cross Blue Shield of New Jersey and is not New Jersey’s Health Insurance Marketplace.
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