Primary Listings

Help Guide – Before You Select a Health Plan – Three Steps (READ ME)

1. Compare the health insurance plans you are interested in by visiting the NCQA website to see if they are accredited, and how their quality scores compare. 2. Visit at least one of the state-specific reports to find out what the rate of complaints is for the health plan you’re interested in, what hospitals it uses, and information about quality measures. Note: Every state or regional report may be different. If your state is not listed here, see what other states make available. Even if it’s not online, the data probably are collected by your state. 3. See what physicians say about working with certain health plans (link above)

NCQA Health Insurance Plan Ratings and Report Card 2019-2020 Editor's Pick

NCQA ratings and report card for 2020 on health insurance plans. Compare quality ratings for HMOs and PPO health insurance plans. Aetna, Anthem Blue Cross, Cigna, Humana, Kaiser, United Healthcare – they’re all here, as are many non-profit regional plans. Star ratings and number of enrollees shown for accredited commercial, Medicare and Medicaid plans. Five private commercial plans received the highest possible 5-point star rating:  two Capital District Physicians’ plans (CDPHP and CDPHN), Kaiser Foundation Mid-Atlantic States, and two Tufts plans (Tufts Associated HMO and Tufts Benefit Administrators).  Thirty-three (33) plans received ratings of 4.5 stars. NCQA (National Committee for Quality Assurance) is a private nonprofit organization that sets standards for quality of care and service that health plans provide to their members. NCQA Accreditation is a nationally recognized seal of approval. Updated for 2020

Find Health Insurance Plans and Prices on the Marketplace Exchange – Editor's Pick

Find individual health insurance plan options and prices at This is the ONLY health insurance site to use if you want (and qualify for) the federal subsidies for affordable health insurance AND your state participates in the federal marketplace exchange. Compare plans on monthly premium prices, deductibles, plan features and star quality ratings. The federal marketplace exchange shows Bronze, Silver, Gold and Platinum metal levels. It first opened for 2014. People who don’t get subsidies can also choose a plan and enroll at Open enrollment for everybody (except Medicare) between November 1 and December 15, 2019 for 2020. Select Preview Now if you just want to scan the plans before you create an account. At minimum, enter your age, or you may get false prices. If you lose coverage during the year, you may also qualify to enroll outside of the Nov.-Dec. open enrollment. Links are provided to your state marketplace if your state has its own health insurance website. Editor’s Pick.

Link to Your State Insurance Department Site (all states)

List of state Insurance Departments for all states. If you like to browse, your state’s site may have additional information about health insurance. These links are provided by the National Association of Insurance Commissioners (NAIC), the organization of insurance regulators from the 50 states, the District of Columbia, Puerto Rico and the other four U.S. territories. The NAIC site has a Consumer Information Source to find medical loss ratios, financial information, and complaint information on the exchange, HMOs and other health insurance plan providers.

California – 2019-2020 HMO, PPO, & Medical Group Ratings Report Card Editor's Pick

Find California HMO, PPO and Medical Group ratings report card for 2019-2020. Kaiser Permanente of Southern California’s HMO Plan and Sharp Health Plan HMO received the highest ratings. The lowest rating went to Aetna PPO. Compare 10 largest California HMO health insurance plans: Aetna, Anthem Blue Cross HMO, Blue Shield, Cigna, Health Net, Kaiser Permanente Northern and Southern CA regions, Sharp Health Plan, United Healthcare and Western Health Advantage. Compare 6 of the largest PPOs: Aetna, Anthem Blue Cross, Blue Shield, Cigna, Health Net Life Insurance Company, United Healthcare. Clear, simple star system (5 stars = excellent; 4 stars = very good; 3 stars = good, 2 stars = fair; 1 star = poor) used for overall rating. Actual performance scores are not given, but may be available through NCQA. Quality measures (based on HEDIS scores) for asthma, cancer screening, child health, chlamydia screening, diabetes, heart care, maternity care, behavioral and mental health, and other expected care. Member satisfaction stars also shown. Complaint rates are reported for health plans in a separate report. Nearly 200 Medical Group ratings also provided by county for the larger groups of doctors. For example, nearly 60 different Kaiser Permanente medical groups are included; Sutter, Scripps, Sharp and many more.  Prepared by the California state Office of the Patient Advocate (OPA), published December 2019.

Florida Health Insurance Plans – Quality Ratings & Satisfaction Editor's Pick

Find Florida health insurance plans member satisfaction and quality ratings. Topics include cancer screening, diabetes, prenatal care, well child care, children’s dental care, high blood pressure for HMOs, Medicare HMOs and Medicaid. Aetna, AvMed, Better Health, Capital, CIGNA, Clear Health Alliance, Community, Coventry, Florida Health Care, Freedom Health, Health First, Health Options, Humana, Molina, Neighborhood, Positive, Prestige, Simply, Staywell, Sunshine, United Healthcare, Children’s Medical Services and others. Data reflect services received in 2017 or 2018 for satisfaction ratings; measurement year for the Quality ratings is not shown. Search by county. Member satisfaction for Aetna, AvMed, Capital Health Plan HMO (highest member satisfaction), Cigna, Coventry, Florida Blue, Florida Health Care Plan, Golden Rule PPO (lowest member satisfaction), Health First, Humana, Molina, Neighborhood, Sunshine Health, United. Easy to read. Choose stars or actual ratings. FL reports from

Georgia Health Insurance Plan Ratings and Comparisons 2019

Find Georgia health insurance plan ratings and comparisons for 2019. Scroll to the bottom to find External Quality Review Organization (EQRO) which lets consumers read about performance of health plans in GA.  Large report using HEDIS measures. Compare quality ratings and member satisfaction scores for Medicaid, Amerigroup Community Care (Anthem), CareSource, Peach State Health Plan, WellCare of Georgia and The Georgia Families Amerigroup 360. Covers access to care, cancer screening, immunizations, dental visits, opioids at high dosage, ER visits, diabetes care, prenatal care, 7-day followup after mental health admission, member satisfaction (CAHPS) and more using 2018 performance scores. Other reports are at this website that may have more information. Released in April 2019 by Georgia Dept. of Community Health at

Illinois HMO and Health Insurance Complaints 2018 by Consumers (pdf)

Find HMO and health insurance plan complaints in Illinois for 2018. Click on Consumer Complaint Reports and select Complaint Ratio Reports to find rate of complaints for health insurance companies.  HMO complaints are separate from Individual plans and Group health plan complaints. The worst HMO complaint ratio for 2018 in plans that had at least $200 million in premiums, was Health Alliance Medical Plans (over 6% market share); six of the largest HMOs had no complaints in 2018. Other HMOs include Aetna, Celtic, Cigna, Health Alliance, United Healthcare (IL and Midwest). For Group Health coverage, the worst 2018 complaint ratio of the large plans was United Healthcare Insurance Company of IL (over 7% market share). The most common insurance complaints overall were about claims handling. Complaint record from 2018 is supplied by the Illinois Dept. of Insurance.

Indiana Health Insurance Complaint Index 2018

Compare complaint rates for Indiana health insurance companies (health carriers). Highest 2018 Health Complaint Index of the largest 12 companies (each with at least $60 million in premium) were for CareSource IN, and Coordinated Care of IN.  Best was Aetna.  From IN Department of Insurance

Maryland HMO & Health Insurance Plan Ratings 2019 – 2020

Find Maryland HMO and PPO Health Insurance Plan Ratings for 2019. Compare Aetna, CareFirst, Cigna, Kaiser Permanente, MD-IPA, Optimum Choice and United Healthcare on member satisfaction (CAHPS), getting appointments, flu shots, and many clinical measures of care such as Diabetes, breast cancer screening, behavioral health, well child care. Check both Consumer Ratings & Clinical Ratings. When checking the ratings, be sure you are looking at the latest year (2019 report uses 2018 data). Sometimes the selection (e.g., Performance Ratings) defaults to an older year. A separate report shows 2020 ratings for Medicaid HealthChoice plans: Aetna, Amerigroup, Jai Medical Systems, Kaiser Permanente, Maryland Physicians Care, Medstar Family Choice, Priority Partners, UnitedHealthcare, and University of Maryland Health Partners. Jai received the highest 2020 ratings of the Medicaid plans. Maryland Health Plan Guide is by the Maryland Health Care Commission.

Maryland: HealthChoice (Medicaid) Health Plan Ratings

Maryland HealthChoice Medicaid Health Insurance Plan Ratings are shown in this 2019 Report Card for Consumers. Written in English and Spanish. Compare Aetna, Amerigroup Community Care, JAI Medical Systems, Kaiser Permanente, Maryland Physicians Care, Medstar Family Choice, Priority Partners, United Healthcare and University of Maryland Health Partners. One health plan (JAI) gets 3 stars (the best) almost across the board. Click on Consumer MCO Report, updated 2019

Minnesota HMO and Health Insurance Plan Ratings

Quality (HEDIS 2018 scores) for HMOs show various quality ratings for 2017, but report for each health plan is 148 pages. No side-by-side comparisons available, nor average scores to make it more user friendly. (See NCQA instead). Financial data and enrollment reports also linked. Compare health insurance plan performance for Blue Plus, HealthPartners Group Health (combined), Gundersen, Itasca Medical Care, Medica, Hennepin Health, PreferredOne, Prime West, Sanford, South Country Health Alliance, and UCare. Site by MN Dept. of Health. Data refreshed February 2019.

New Jersey 2018 HMO and PPO Performance Report – Compare plans

Compare six New Jersey health insurance companies (HMO/POS and PPO/EPO health insurance plans. Performance reports from Aetna, AmeriHealth, CIGNA, Horizon, Oxford and United, on quality ratings related to asthma, COPD, cancer screening, heart care, hypertension, diabetes, new moms, immunizations, strep tests, mental health medication and followup; frequency of imaging tests for lower back pain, cardiac cath and tonsillectomies; well child care, more. Easy to read. Pub. by NJ Dept. of Banking and Insurance, June 2019

New York State HMO Comparisons (Ratings) Editor's Pick

Find New York statewide HMO comparison ratings for 2019. Compare over 20 HMO, PPO or Medicaid managed health insurance plans in NY: Aetna, Affinity, Amida, CDPHP, Crystal Run, CGLIC/CHLIC, Empire Blue Cross Blue Shield, Excellus, Fidelis, GHI or HIP (EmblemHealth), HealthNow New York, Healthfirst, Hudson, Independent Health, MVP, MetroPlus, Molina, Oscar, Oxford, TONY (Total Care Plus), UnitedHealthcare, Univera, VNSNY State, WellCare, YourCare. Topics include member satisfaction, opinions about access, cardiovascular care, diabetes care, mental health, maternal health & much more. Actual scores shown on the statewide report. Regional reports show general star level. Consumers can sort the health plans by highest overall performance. Prepared by the state of New York for 2019, using 2018 member data.

Rhode Island – Top Ratings for Health Insurance Plans (NCQA)

Find top NCQA ratings for health insurance plans in Rhode Island. Tufts Associated HMO plan earned the top 5.0 rating from NCQA. Based on Quality, Member Satisfaction and accreditation results. 2019-2020 Ratings

South Carolina Medicaid Health Insurance Plan Ratings 2020

Find health insurance plan ratings for South Carolina Medicaid, 2020. Compare five South Carolina Medicaid health plan ratings (one to five stars) for Absolute Total Care, First Choice by Select Health of SC, Healthy Blue by BlueChoice of SC, Molina Healthcare of SC and WellCare. One total rating only; no detail on specific illnesses, screening, mental health or consumer member satisfaction.  First Choice and Molina scored slightly higher in the ratings. No plan received 5 stars. South Carolina Healthy Connections Choices are listed at

Texas – Compare Texas HMOs 2018-2019 – Consumer Ratings (OPIC)

Compare HMO (Health Maintenance Organization) plans for Central Texas, East Texas, Gulf Coast, North TX, Panhandle/Plains area, South Texas, West Texas regions. TX HMO report cards by OPIC for 2018-2019 show Texas consumer ratings of their health insurance plans and the medical care enrolled members received during 2017. Includes plans covering Austin, Dallas, Ft. Worth, Houston, San Antonio, Abilene, Amarillo, Lubbock, Waco, Corpus Christi and Rio Grande. Satisfaction ratings and market share are shown for Humana, Aetna Health, Christus (the highest rated plan and the highest rated health care), FIRSTCARE, Memorial Hermann, Scott and White Health Plan, Community First, HMO Blue Texas, Cigna and United Healthcare. Report by Texas OPIC (Office of Public Insurance Counsel)

Texas – Guide to Texas HMO Quality 2018-2019 (OPIC)

The Guide to Texas HMO Quality 2018-2019 shows detailed clinical quality comparisons of HMO health insurance plans.  Compare HMOs Aetna, Christus, Cigna, Community First, FIRSTCARE, HMO Blue Texas, Humana, Memorial Hermann, Scott and White and United Healthcare of Texas. Indicators include asthma, childhood immunizations, cancer screening, heart care, high blood pressure, diabetes care, prenatal care, mental health care, flu shots, antibiotic utilization rates, rates of physician board certification, and more. Lengthy (211 pages) but valuable report. Pub. by TX Office of Public Insurance Council

Utah HMO and PPO Health Insurance Plan 2018 Ratings

Compare Utah HMOs and PPOs – health insurance plans Aetna, Altius, Cigna, Deseret, Educators Mutual EMI, Humana, PEHP, Regence Blue Cross Blue Shield, SelectHealth, United Health Care, and Medicaid plans (Health Choice, Healthy U, Molina, SelectHealth CHIP) on member satisfaction, antidepressant medications, back pain, cancer screening, and high blood pressure; diabetes, prenatal & maternity, preventive care, well-child visits & immunizations, and more. Shows actual performance rates. 2018 Performance Report published by uses 2017 data

Utah Member Satisfaction Ratings with Health Insurance Plans (CAHPS)

Utah Member Satisfaction ratings with their health insurance plans. Compare ratings among commercial health plans (medical), dental plans, Medicaid plans. Adult and Child Results in separate reports. CAHPS (Consumer Assessment of Healthcare Providers and Systems) survey data from Utah Department of Health Office of Health Care Statistics. Consumers were asked to rate both the health plan, and the health care (and their doctors). Survey also measures satisfaction with doctor, communication, quality of care, how quickly you can get an appointment, and more. Some of the more highly rated plans were Deseret Mutual, PEHP, Aetna, SelectHealth Medicaid, Steward Health Choice, and Molina Medicaid for children. Premier Access had the highest dental plan overall rating. Adult results were updated January 2020; children results updated in November 2018.

Vermont – Compare Health Insurance Plan Ratings

Compare Health Insurance plan ratings in Vermont, based on 2019 services. View number of denials, service problems, complaints and grievances on Blue Cross Blue Shield of VT (16.8% claims denial rate), MVP Health Plan (6.99% claims denial rate), and The Vermont Health Plan (33.5% denial rate). Each plan’s report is separate for the year. Act 152 Health Insurer Annual Reports for 2019 were filed with the Vermont Dept of Financial Regulation in May 2020.

Virginia – Compare HMOs (Quality and Satisfaction) Editor's Pick

Compare Virginia HMOs on both quality and member satisfaction. Easy to use tool to compare insurance plan ratings: Aetna, CareFirst BlueChoice, HealthKeepers (both Peninsula and Priority), Innovation Health Plan, Kaiser Mid-Atlantic, Optima, Optimum Choice, United Healthcare MidAtlantic and River Valley. Choose measures for access, asthma, ADHD, heart, diabetes, arthritis, immunizations, medications, mental health care (e.g., best plan for 7-day follow-up is Kaiser at 69%, compared to UnitedHealthcare of the Mid-Atlantic, Inc. at just 39%), preventive care, spirometry for COPD, prenatal, maternity and newborn care; weight assessment, well child visits and childhood illnesses, member satisfaction for 2017 and more. Also includes Board certification rates for some types of physicians, number of enrollees, and financial data.

WA Clinic and Health Plan Quality Ratings ( Editor's Pick

Find WA clinic and health plan quality ratings reported at Compare care among nearly 400 medical groups in Washington state. See report called Improving Health Care in Washington State.  Scroll to Medical Group Performance to see medical group rankings beginning on Figure 4 (colorectal cancer screening) or Figure 5 (overall 15 or more measures). Highest rated for 2019 were Virginia Mason, Kaiser Permanente Washington and UW Neighborhood Clinics for Commercially insured patients; Kaiser Permanente Washington and PeaceHealth Medical Group were highest for Medicaid patients. Groups also include The Polyclinic, Swedish Medical Group, Memorial Physicians, Pacific Medical Centers, The Everett Clinic, EvergreenHealth, Columbia Medical Associates, Family Care Network, Women’s Healthcare Alliance, Northwest Physicians Network, MultiCare, Harborview, Proliance Surgeons, and hundreds of others. Details are listed under “Scores” at the tabs/bar at the top of the page. Scores are provided for medical groups, clinics and 15 health insurance plans. Community Checkup by Washington Health Alliance, 2019 report was published April, 2020.

Washington – Health Insurance Plan Complaints 2019

Look up and compare numbers of health insurance plan complaints in Washington for 2019. View one company at a time. Aetna, Kaiser Northwest, Options, Coordinated Care, Delta Dental, Kaiser Foundation Health Plan of Washington (HMO), UnitedHealthcare, Regence BlueShield, Regence Blue Cross, Premera Blue Cross, Moda, Lifewise, Molina, Asuris Northwest, Bridgespan Health and more. Select Company Search tab, then Coverage Type Health, to see a long list of health plan companies. Market Share also shown. Washington State Office of Insurance Commissioner OIC

Wisconsin – HMO, Health Plan and Medicare Supplement Grievance Report

Find Wisconsin number and rates of grievances in 2019 for WI HMOs, health plans, and Medicare Supplement plans. A grievance is a written complaint. Online tool shows report for every licensed health insurance plan and HMO plan. Examples included Aspirus Arise, Children’s, Compcare, Dean, Group Health Coop, Humana, I-Care, Medica, MercyCare HMO, Network, Quartz, Security, UnitedHealthcare, Unity, WPS and more. Medicare Supplement plan grievances for Aetna, American Family, Blue Cross, Cigna, Genworth, Golden Rule, UnitedHealthCare, Thrivent, and more. 2019 data, updated 2020 by State of WI, OCI (Office of the Commissioner of Insurance).

Other Helpful Listings

Accredited Ambulatory Health Care and Surgery Centers (AAAHC)

Find an accredited ambulatory health care facility or surgery center.  AAAHC, the Accreditation Association for Ambulatory Health Care is a nonprofit that currently accredits over 6,100 organizations in a wide variety of ambulatory health care settings, including ambulatory and office based outpatient surgery centers, community health centers, endoscopy centers, lithotripsy centers, some managed health plans, medical group practices, retail clinics, urgent care centers, specialty services, and workplace clinics.  (See also Joint Commission website for hospital-owned ambulatory surgery center accreditation.)

Government Employee Health Insurance Cost Comparisons (FEHB)

Health insurance cost comparisons for Federal government employees.  Compare the benefits, member satisfaction, and employee costs for all plans at once.  Consumers can also select 3 health insurance plans at one time to see out of network benefits.  Web site for Federal Employees Health Benefits (FEHB) Program is from US Office of Personnel Management (OPM). Enrollee premium, deductible, copays and maximum out of pocket costs are shown. Search by zip code; choose local plans and/or national plans. Convenient and current for 2020. Helpful to federal employees and others. The amount that taxpayers and government institutions pay toward the total health care premiums is no longer readily available.

URAC – searchable database of accredited and certified healthcare organizations

Search the URAC database of accredited and certified healthcare organizations. URAC is a nonprofit organization that performs accreditation and certification work. Its many accreditation programs include, among others, Specialty Pharmacy Accreditation, Pharmacy Benefit Management, Mail Service Pharmacy, Case Management, Health Call Centers, Health Utilization Management and Review, Telehealth and Workers Compensation Management. This site may help employers determine which companies they want to consider as service providers. In addition, a few health insurance plans have also sought health plan accreditation from URAC

Wisconsin Health Insurance Cost Rankings 2018

Annual premiums and deductibles (2018) for employee health insurance in various metro markets averaged $10,043 per year for single coverage. Citizen Action of Wisconsin, a coalition of individuals and organizations (such as AFSCME locals, AFL-CIO, WEAC, WI Farmers Union), reports health insurance cost in 18 metro regions, including Twin Cities. Rates in Eau Claire ($10,908 per yr, single) were 20% higher than Madison rates ($9,096 per yr.) Most areas exceeded $10,000 single. Health plan costs shown for Twin Cities, Oshkosh, Green Bay, Appleton, Manitowoc, Sheboygan, Fond du Lac, Janesville/Beloit, Wausau, Stevens Point, La Crosse, Superior, Eau Claire, Kenosha, Racine, Milwaukee, Dubuque, more. Uniform benefits package was used for all areas, however the report does not specify what type of benefits and deductibles were included. The report also does not indicate whether the rates were adjusted for regional differences in age, or healthy behaviors. Shows annual inflation pre-ACA (2000 to 2013) compared to after ACA (2014-2018), with post-ACA so very much lower. However, this summary can be misleading. In 2018, large group rates went down 5%, while individual inflation was up 51% (up 60% in Madison, doubled in Green Bay), and small group inflation was 10% compared to 2017. Large Group information reflects government employee rate paid by State of Wisconsin’s Group Health Insurance Program (GHIP). Published December 2017.

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