Policyholders in dozens of states get access to Blue365, an extensive discount program that offers savings on fitness, nutrition, personal care, and more. Its plans span PPOs, HMOs, EPOs, and point-of-service (POS) plans across all metal levels (Bronze, Expanded Bronze, Silver, Gold, and Catastrophic). This is a positive indicator of customer satisfaction.īCBS is available in 36 states and offers the largest provider network, with more than 1.7 million doctors and hospitals.

BCBS has an average NCQA rating of 3.59, the second-highest of the major health insurance providers we reviewed. The nationwide group of companies also offers great pricing for people over 60. If you’re looking for a Silver metal plan that provides excellent value, Blue Cross Blue Shield fits the bill. NCQA is a private nonprofit organization that evaluates health plans for patient care quality, patient satisfaction, and health plans' efforts to improve. We used annual star ratings from the National Committee for Quality Assurance (NCQA) to evaluate plan quality and customer satisfaction. The criteria cover cost, plan benefits, state availability, customer satisfaction, types of plans available, ACA metal level plans available, and dental coverage. To determine the best affordable health insurance companies, we evaluated 40 criteria across nine major health insurance companies. But if you expect to go to a doctor for anything other than preventive care, filling prescriptions, or visiting urgent care-you’ll want to pay attention to the plan’s deductible and copays as well. It’s easy to focus on the premium when considering how affordable a health insurance plan is. The company’s plans are widely available and offer the largest provider network.

It stands out because it has the lowest overall cost and the best-value Silver plans, a wide variety of offerings, and good quality ratings. Blue Cross Blue Shield is our top pick for affordable health insurance.

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