Humana is the No. 2 health insurance company for 2026 with a score of 4.23 out of 5 stars.
Scott Nyerges is an insurance expert and managing editor, insurance. Previously, he was a senior insurance editor and content strategist at U.S. News & World Report, and worked for Consumer Reports, MSN and Cheapism.com.
Laura Longero is an insurance expert and executive editor of CarInsurance.com. With 15 years of experience simplifying complex financial topics, Laura provides clear, expert-backed guidance to help drivers make smart, confident decisions. Before joining CarInsurance.com, she was an award-winning editor for the USA Today Network.
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Humana is ranked No. 2 in our 2026 ranking of the Best Health Insurance Companies. It’s an excellent choice for customers who want affordable coverage, value exceptional customer service, and appreciate a company with consistently strong consumer loyalty.
Below is our full review of Humana, based on third-party metrics (NCQA, NAIC, survey data) and our in-depth survey of health insurance customers.
Below is our review of Humana. It’s based on third-party metrics and an in-depth survey of insurance customers. Find the full methodology here.
Humana is a good choice for you if:
It might not be the best choice if:
The cost of healthcare is a significant concern for many Americans, and in this regard, Humana outshines all competitors in our rating with a score of 4.07 out of 5 stars. That is just a fraction of a point better than EmblemHealth.
At the other end of the spectrum are Elevance Health and BCBS of Michigan (Blue Care Network), which both scored 3.52 stars.
Policyholders regularly say good customer service is essential when choosing a good health insurance provider. Humana earned the top score in this category, with a score of 83%. Humana received a slightly lower survey score for its digital offerings, finishing in fifth place with a score of 82%.
When it comes to offering a broad range of policies, Humana did well among survey participants. Its score of 83% was good for second place in this category, tied with BCBS of Michigan (Blue Care Network). Only Horizon BCBS of New Jersey (90%) scored higher.
In the competitive category of customer recommendations, Humana’s score of 94% puts it in third place behind category leader Horizon BCBS of New Jersey (100%) and HCSC at 95%.
When it comes to trustworthiness, Humana did exceptionally well. Its survey score of 96% placed it in first place for this category, far ahead of other large insurers, such as Aetna and UnitedHealthcare.
Survey participants were also bullish on Humana in the category of policy renewals. Some 97% of those polled said they would renew with Humana; only Florida Blue (BCBS of Florida) (98%) had a higher score. HCSC, or HealthCare Services Corporation, also had a 97% renewal rate.
No insurer did exceptionally well in our survey when it comes to low deductibles. However, Humana also came out on top with a score of 75%, significantly better than other large insurers, such as Aetna and UnitedHealthcare, and ahead of our overall No. 1 insurer, Kaiser Permanente (71%).
Humana didn’t perform as well when policyholders were asked to evaluate its provider network. Its score of 83% put it in fifth place; regional carrier Highmark (BCBS in Pennsylvania, Delaware, West Virginia)and Florida Blue lead this category with scores of 89%.
Survey participants were satisfied with Humana’s ease of payment and billing process, however. The carrier finished in first place in this category with a score of 88%.
Humana provides a variety of health insurance plans. Plan details and availability vary by state, but include the following:
Humana also offers the following coverages; availability varies by state and plan:
AL AK AZ AR CA CO CT DC DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY
Policyholders can reach Humana by logging into their account and using the chat function. Humana representatives can be reached on X (Tweet @HumanaHelp) daily, 6 a.m. to 8 p.m. ET. The insurer can also be reached by phone.
Methodology
In 2025, Insure.com surveyed more than 2,000 insurance consumers through independent research firm Dynata. Customers named their health insurer and rated it on customer satisfaction, ease of service, policy offerings, affordability, deductibles, provider availability and whether referrals were required. We also asked whether they planned to renew, would recommend their insurer, and trusted their insurer.
For insurers with enough survey responses, we added:
With guidance from Prof. David Marlett, Ph.D., Managing Director of the Brantley Risk and Insurance Center at Appalachian State University, we applied the following weights to calculate each company’s final rating:
Each insurer received a rating between 0.5 and 5 stars, with 5 stars representing the highest performance..