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The worst health insurance companies

Ranked on complaint index: confirmed complaints measured against how much business each company writes, so a giant carrier and a small one can be compared on the same footing. A company at 3.00 draws three times the complaints its market share predicts.

This is a service record, not a price comparison, and not a prediction about any one claim. How we grade →

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#Company GradeComplaint index ComplaintsBusiness written
1 Celtic Insurance Company F
20.50 20.5× the market rate raw 33.49
503 1,175,381
2 Blue Cross Blue Shield F
9.75 9.7× the market rate raw 11.02
758 5,383,763
3 Aetna F
6.79 6.8× the market rate raw 9.20
221 1,879,140
4 Cigna F
5.28 5.3× the market rate raw 5.72
557 7,618,180
5 UnitedHealthcare F
4.78 4.8× the market rate raw 5.19
478 7,201,438
6 Humana F
3.05 3.0× the market rate raw 4.08
81 1,554,923
7 Transamerica F
1.65 1.6× the market rate raw 2.15
28 1,020,365
8 Centene F
1.56 1.6× the market rate raw 1.65
98 4,635,680
9 American Family D
1.20 1.2× the market rate raw 1.27
35 2,156,131
10 Guardian Life D
1.07 1.1× the market rate
27 1,929,865
11 Continental American Insurance Company D
0.93 7% below market raw 0.88
12 1,064,253
12 Ameritas Life Insurance Corp. D
0.82 18% below market raw 0.73
15 1,609,785
13 Globe Life D
0.66 34% below market raw 0.42
6 1,122,994
14 American Heritage Life Insurance Company D
0.53 47% below market raw 0.16
2 985,268
15 MetLife D
0.52 48% below market
92 14,448,780
16 Standard Insurance Company D
0.51 49% below market raw 0.26
5 1,498,970
17 AIG C
0.50 51% below market raw 0.25
5 1,589,462
18 Silverscript Insurance Company C
0.49 51% below market raw 0.00
0 827,093
19 Principal C
0.48 52% below market raw 0.21
4 1,487,513
20 Sun Life Assurance Company Of Canada C
0.47 53% below market raw 0.27
7 2,050,155
21 Texas Children's Health Plan, Inc. C
0.47 53% below market raw 0.00
0 899,265
22 Prudential C
0.45 55% below market raw 0.16
3 1,487,745
23 Amerigroup Texas, Inc. C
0.43 57% below market raw 0.00
0 1,020,871
24 Life Insurance Company Of North America B
0.40 60% below market raw 0.31
19 4,858,098
25 Reliastar Life Insurance Company B
0.39 61% below market raw 0.10
2 1,602,414
26 Minnesota Life Insurance Company B
0.37 63% below market raw 0.00
0 1,330,146
27 Fidelity Security Life Insurance Company B
0.30 70% below market raw 0.04
1 2,124,719
28 Clover Insurance Company B
0.29 71% below market raw 0.00
0 1,915,057
29 The Hartford B
0.27 73% below market raw 0.14
8 4,495,197
30 El Paso First Health Plans, Inc. B
0.24 76% below market raw 0.00
0 2,440,132
31 Unum Life Insurance Company Of America B
0.21 79% below market raw 0.07
4 4,546,750
32 John Hancock Life & Health Insurance Company A
0.20 80% below market raw 0.00
0 3,189,472
33 Mutual of Omaha A
0.19 81% below market raw 0.09
7 6,146,629
34 Lincoln Financial A
0.16 84% below market raw 0.05
4 5,888,488
35 Cmfg Life Insurance Company A
0.15 85% below market raw 0.03
2 5,333,701
36 Dearborn Life Insurance Company A
0.14 86% below market raw 0.00
0 4,764,807
37 Chubb A
0.13 87% below market raw 0.02
2 6,407,054
38 Vision Service Plan Insurance Company A
0.13 88% below market raw 0.02
2 6,717,152
39 John Hancock Life Insurance Company (U.s.a.) A
0.01 99% below market
16 141,855,972

Grades come from the distribution of the 39 companies large enough to grade this period: A at or below 0.20, F above 1.34.

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