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The best and worst health insurers in Texas

Ranked by complaint index — confirmed complaints measured against policies in force, so size is taken out of the answer. 1.00 is the Texas market average. Above it means more complaints than the company's share of business would predict.

In this market an A required an index at or below 0.20, and an F means above 1.34. Cuts come from the 39 companies large enough to grade this period, not from numbers we picked.

Worst health insurers in Texas

# Company Grade Complaint index Complaints Business written
1 Celtic Insurance Company

Most common: Delays (Claims Handling)

 F
20.50 20.5× the market rate raw 33.49
503 1,175,381
2 Blue Cross Blue Shield

Most common: Unsatisfactory Settle/Offer

 F
9.75 9.7× the market rate raw 11.02
758 5,383,763
3 Aetna

Most common: Unsatisfactory Settle/Offer

 F
6.79 6.8× the market rate raw 9.20
221 1,879,140
4 Cigna

Most common: Bad Faith Participation; Cust Service Claim Handling; Delays (Claims Handling); Denial Of Claim; Unsatisfactory Settle/O

 F
5.28 5.3× the market rate raw 5.72
557 7,618,180
5 UnitedHealthcare

Most common: Denial Of Claim

 F
4.78 4.8× the market rate raw 5.19
478 7,201,438
6 Humana

Most common: Unsatisfactory Settle/Offer

 F
3.05 3.0× the market rate raw 4.08
81 1,554,923
7 Transamerica

Most common: Cust Service Claim Handling; Delays (Claims Handling)

 F
1.65 1.6× the market rate raw 2.15
28 1,020,365
8 Centene

Most common: Denial Of Claim

 F
1.56 1.6× the market rate raw 1.65
98 4,635,680
9 American Family

Most common: Cust Service Claim Handling; Delays (Claims Handling)

 D
1.20 1.2× the market rate raw 1.27
35 2,156,131
10 Guardian Life

Most common: Denial Of Claim

 D
1.07 1.1× the market rate
27 1,929,865
11 Continental American Insurance Company

Most common: Denial Of Claim

 D
0.93 7% below market raw 0.88
12 1,064,253
12 Ameritas Life Insurance Corp.

Most common: Denial Of Claim

 D
0.82 18% below market raw 0.73
15 1,609,785
13 Globe Life

Most common: Cust Service Claim Handling; Delays (Claims Handling)

 D
0.66 34% below market raw 0.42
6 1,122,994
14 American Heritage Life Insurance Company

Most common: Cust Service Claim Handling; Delays (Claims Handling)

 D
0.53 47% below market raw 0.16
2 985,268
15 MetLife

Most common: Delays (Claims Handling)

 D
0.52 48% below market
92 14,448,780
16 Standard Insurance Company

Most common: Cust Service Claim Handling; Denial Of Claim

 D
0.51 49% below market raw 0.26
5 1,498,970
17 AIG

Most common: Delays (Claims Handling)

 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

Most common: Denial Of Claim

 C
0.48 52% below market raw 0.21
4 1,487,513
20 Sun Life Assurance Company Of Canada

Most common: Cust Service Claim Handling; Delays (Claims Handling)

 C
0.47 53% below market raw 0.27
7 2,050,155
21 Texas Children's Health Plan, Inc.

Most common: Denial Of Claim

 C
0.47 53% below market raw 0.00
0 899,265
22 Prudential

Most common: Denial Of Claim

 C
0.45 55% below market raw 0.16
3 1,487,745
23 Amerigroup Texas, Inc.

Most common: Delays (Claims Handling); Denial Of Claim

 C
0.43 57% below market raw 0.00
0 1,020,871
24 Life Insurance Company Of North America

Most common: Denial Of Claim

 B
0.40 60% below market raw 0.31
19 4,858,098
25 Reliastar Life Insurance Company

Most common: Access to Care; Cust Service Claim Handling; Delays (Claims Handling)

 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

Most common: Delays (Claims Handling)

 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

Most common: Cust Service Claim Handling; Delays (Claims Handling)

 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

Most common: Cust Service Claim Handling; Delays (Claims Handling)

 B
0.21 79% below market raw 0.07
4 4,546,750
32 John Hancock Life & Health Insurance Company

Most common: Coordination of Benefits; Other

 A
0.20 80% below market raw 0.00
0 3,189,472
33 Mutual of Omaha

Most common: Delays (Claims Handling)

 A
0.19 81% below market raw 0.09
7 6,146,629
34 Lincoln Financial

Most common: Denial Of Claim

 A
0.16 84% below market raw 0.05
4 5,888,488
35 Cmfg Life Insurance Company

Most common: Cust Service Claim Handling; Delays (Claims Handling)

 A
0.15 85% below market raw 0.03
2 5,333,701
36 Dearborn Life Insurance Company

Most common: Delays (Claims Handling); Unsatisfactory Settle/Offer

 A
0.14 86% below market raw 0.00
0 4,764,807
37 Chubb

Most common: Cust Service Claim Handling; Delays (Claims Handling)

 A
0.13 87% below market raw 0.02
2 6,407,054
38 Vision Service Plan Insurance Company

Most common: Refund Of Premium

 A
0.13 88% below market raw 0.02
2 6,717,152
39 John Hancock Life Insurance Company (U.s.a.)

Most common: Cust Service Claim Handling; Delays (Claims Handling)

 A
0.01 99% below market
16 141,855,972

Best health insurers in Texas

A low complaint index says these companies are complained about less than their size predicts. It is a service signal, not a price one — and it does not promise any particular claim will be paid.

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

Every graded health company in Texas

A John Hancock Life Insurance Company (U.s.a.) 0.01 16 141,855,972
A Vision Service Plan Insurance Company 0.13 2 6,717,152
A Chubb 0.13 2 6,407,054
A Dearborn Life Insurance Company 0.14 0 4,764,807
A Cmfg Life Insurance Company 0.15 2 5,333,701
A Lincoln Financial 0.16 4 5,888,488
A Mutual of Omaha 0.19 7 6,146,629
A John Hancock Life & Health Insurance Company 0.20 0 3,189,472
B Unum Life Insurance Company Of America 0.21 4 4,546,750
B El Paso First Health Plans, Inc. 0.24 0 2,440,132
B The Hartford 0.27 8 4,495,197
B Clover Insurance Company 0.29 0 1,915,057
B Fidelity Security Life Insurance Company 0.30 1 2,124,719
B Minnesota Life Insurance Company 0.37 0 1,330,146
B Reliastar Life Insurance Company 0.39 2 1,602,414
B Life Insurance Company Of North America 0.40 19 4,858,098
C Amerigroup Texas, Inc. 0.43 0 1,020,871
C Prudential 0.45 3 1,487,745
C Texas Children's Health Plan, Inc. 0.47 0 899,265
C Sun Life Assurance Company Of Canada 0.47 7 2,050,155
C Principal 0.48 4 1,487,513
C Silverscript Insurance Company 0.49 0 827,093
C AIG 0.50 5 1,589,462
D Standard Insurance Company 0.51 5 1,498,970
D MetLife 0.52 92 14,448,780
D American Heritage Life Insurance Company 0.53 2 985,268
D Globe Life 0.66 6 1,122,994
D Ameritas Life Insurance Corp. 0.82 15 1,609,785
D Continental American Insurance Company 0.93 12 1,064,253
D Guardian Life 1.07 27 1,929,865
D American Family 1.20 35 2,156,131
F Centene 1.56 98 4,635,680
F Transamerica 1.65 28 1,020,365
F Humana 3.05 81 1,554,923
F UnitedHealthcare 4.78 478 7,201,438
F Cigna 5.28 557 7,618,180
F Aetna 6.79 221 1,879,140
F Blue Cross Blue Shield 9.75 758 5,383,763
F Celtic Insurance Company 20.50 503 1,175,381

Where these figures come from

Figures cover 2023–2025. Grades are rebuilt when regulators publish new files.