Blue Cross Blue Shield of Florida health insurance review and ratings 2024

Florida Blue is ranked among’s Best Health Insurance Companies of 2024. The insurer earned 3.3 stars out of 5.

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Our take

Blue Cross Blue Shield of Florida is No. 14 on’s list of the Best Health Insurance Companies for 2024 with a star rating of 3.3 out of 5 stars. It was one of only three insurers with an A+ rating from AM Best, indicating Florida Blue’s financial stability.

The insurer also received 3 out of 5 stars from the National Committee for Quality Assurance. NCQA evaluates healthcare plans on, among other things, member satisfaction.

It had lower marks than other top insurers in areas such as policy offerings and digital experience, but 90% of its customers who responded to’s survey of insurance consumers said they would sign up again with Florida Blue.

BCBS of Florida
BCBS of Florida Ratings
Overall Rating: 3.3
Price/Affordability: 3.8
NCQA: 3.00
Customer Satisfaction: 3.8
AM Best Rating: A+

Pros and Cons

  • Nine out of 10 customers would renew their policies
  • Extensive provider network throughout Florida
  • Nationwide access to healthcare through the Blue Cross Blue Shield umbrella
  • Other insurers ranked higher for affordability
  • Plans mostly limited to Sunshine State residents

Below is’s review of the company. It’s based on third-party metrics and our in-depth survey of insurance customers. Find the full methodology here, including an explanation of our survey scores.

How much does Florida Blue health insurance cost?

Florida Blue ranked 10th for affordability among the companies we looked at and we found that the company’s rates are comparable to other insurers (see below).

Insurance companyPrice/affordability stars 
Florida Blue3.80

Below is a look at how Florida Blue rates in Florida compare with those of UnitedHealthcare and Aetna for similar plans. These are 2024 healthcare exchange rates for a single, 40-year-old male in excellent health with an annual income of $70,000.

Insurance companyRate/MonthPlan
Florida Blue $481.63myBlue Silver 2237
UnitedHealthcare$514.25UHC Silver Standard
Aetna $469.97Silver S

How Florida Blue scores for customer satisfaction

Almost seven out of 10 Florida Blue customers say they are satisfied with the insurer. A few other insurers ranked higher in this category, which Kaiser led. However, the company did better when looking at average J.D. Power’s health plan scores for Florida. J.D. Power measures health plans for overall customer satisfaction. 

Insurance companyCustomer satisfaction starsJ.D. Power overall satisfaction score (out of 1,000)
Florida Blue3.83739

How Florida Blue scores for policy offerings

Florida Blue offers a range of individual and family plans, Medicare and employer plans. Six out of 10 customers surveyed by said they were happy with the Florida Blue’s offerings. BCBS of Michigan came out on top in this category. 

Insurance companyPercent of customers who score their insurance company highly for policy offerings
Florida Blue63%
BCBS of Michigan88%
Blue Shield of California69%

Would customers recommend Florida Blue to others?

More than 70% of customers said they would recommend Florida Blue, but that was one of the lower scores among the top insurers in our survey. BCBS of Michigan led this category, with 100% of the customers we surveyed saying they would recommend it.

Insurance companyPercent of customers who would recommend their health insurance company to others
Florida Blue73%
BCBS of Michigan100%
BCBS of North Carolina88%

How trustworthy is Florida Blue?

Florida Blue finished in the lower half in this category, with 60% of its customers giving it high marks here. But this was a tough category. Kaiser was the top-rated insurer in this category but was one of only four to score above 80%.

Insurance companyPercent of customers who say they trust their health insurance company
Florida Blue60%
Kaiser Permanente86%
BCBS of North Carolina76%

Do current Florida Blue customers plan to renew?

Yes. Of the customers we surveyed, 90% said they planned to renew with Florida Blue. BCBS of Michigan and Highmark came out on top in this category.

Insurance companyPercent of customers who plan to renew with their health insurance company
Florida Blue90%
BCBS of Michigan, Highmark98%
BCBS of North Carolina91%

How Florida Blue scores for digital experience

Florida Blue didn’t do especially well here, but then very few health insurers did.

Insurance company Percent of customers who highly rank the company’s digital experience
Florida Blue 13%
Kaiser Permanente 32%
BCBS of North Carolina 18%

How Florida Blue scores for low deductibles

While it didn’t rank among the top companies for affordability, Florida Blue ranked fourth in this category. But this was another area where insurers struggled to do well. Aetna, Cigna and HCSC were in a three-way tie at the top of this category, with 31% of their customers giving them high marks.

Insurance company Percent of customers who highly rank the company for low deductibles
Florida Blue 30%
BCBS of Michigan 27%
BCBS of North Carolina 27%

How Florida Blue scores for its provider network

Florida Blue has a big provider network in the Sunshine State and customers rated it in the top half in’s survey results. But this was another category where the insurers we ranked didn’t do especially well. Molina led this category, with 31% of its customers giving it a good grade here.

Insurance company Percent of customers who highly rank the company’s provider network
Florida Blue 23%
BCBS of Michigan 24%
BCBS of North Carolina 18%

Florida Blue health insurance coverage options

  • Plans for individuals and families
  • Medicare plans
  • Health insurance via employers
  • Prescription drug plans

Other services offered

  • Dental
  • Vision
  • Supplemental insurance

States where BCBS of Florida offers coverage

States where BCBS of Florida offers coverage
Not available

Company Background

BCBS of Florida

Florida Blue’s beginnings date back to 1945, when the Florida Hospital Service began operations in Jacksonville, Florida. The following year, the Florida Medical Services Corp. was also formed, later becoming Blue Shield of Florida.

In 1980, the two companies came together under the Blue Cross and Blue Shield organization to create what is now known as Florida Blue.

Today, it has a customer base of about 6 million members and a provider network that spans the Sunshine State. Through its philanthropic arm, Florida Blue Foundation, the company invests in a wide range of programs and organizations that tackle health inequities among at-risk communities.

It has been at the forefront of incorporating virtual healthcare into its offerings. In 2022, it launched a service with Sanitas Medical Centers, a key provider in its network, to offer around-the-clock access to care via video, through an app or by text or email.

Earlier in 2022, Hurricane Ian presented a hectic challenge and Florida Blue responded on a number of fronts. With many urgent care clinics and doctors’ offices shut in the wake of the hurricane, Florida Blue began offering free virtual doctor visits.

Through the service, clinicians were able to help with a wide range of non-emergency conditions and could also prescribe some medications. Florida Blue also partnered with New Directions Behavioral Health to offer a toll-free emotional support helpline during the crisis.

Resources and Methodology


Florida Blue website Accessed February 2024.

Methodology in the fall of 2023 surveyed more than 1,750 insurance consumers (1,433 people with health insurance). The survey was conducted by online market research company Slice MR. 

Respondents were asked to name their insurer and then grade it in a number of categories, including ease of service and policy offerings. The percentage of respondents who said they were satisfied or very satisfied with their insurer is presented in the results.

In addition, the editors also created star rankings for each company. Respondents were asked to pick their insurer’s top three attributes out of the more than the dozen they were presented – including categories such as customer satisfaction and price/affordability. The number of responses for each of those attributes was totaled and then divided by the number of each company’s customers who responded to that survey question to create the star ranking.

Respondents were also asked if they would recommend their insurer to someone else and if they planned to renew their policies. The percentage who said yes is presented in the results.

They also were given the statement “I trust my insurance company” and asked if they strongly agreed, agreed, disagreed or strongly disagreed with the statement. The percentage of those who said they agreed or strongly agreed is presented in the results.

The editors compiled the survey results and then selected – based on the number of survey responses – the top companies for further evaluation. needed 30 or more of a health insurer’s customers to respond to the survey for a company to be included in the ranking.

They then collected AM Best financial stability ratings and National Committee for Quality Assurance (NCQA) ratings, which evaluate health plans on, among other things, member satisfaction.

With the help of Prof. David Marlett, Ph.D., managing director of the Brantley Risk and Insurance Center at Appalachian State University, the editors created a rating system to determine which insurance companies were best in each sector. For health insurers, we used the following weights to calculate the overall score for each company: 

  • Survey – 60% of total score (10% for customer satisfaction, 10% trustworthiness, 10% for recommending the carrier to another, 10% if a respondent would renew with their current insurer, and 20% if they consider their insurer the best for affordability)
  • AM Best – 25% of total score
  • NCQA – 15% of total score

Each insurer was awarded from 1 to 5 stars. No insurer in our star ranking received less than 1 star and the highest possible ranking is 5 stars.

On company review pages, the editors compared the profiled insurers in various categories against the leaders in that category or against other top insurers that match up well against the profiled company in terms of size and/or coverage area.

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Mel Duvall
Contributing Researcher


Mel Duvall is an award-winning senior business writer and communications professional. Mel also served a three-year term on the Mount Royal University Journalism Committee.

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