BCBS of Florida is the No. 8 health insurance company for 2026 with a score of 4.06 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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BCBS of Florida ranks No. 8 in our analysis of the Best Health Insurance Companies of 2026, with a rating of 4.06 stars out of 5. It’s a good option for Floridians who want dependable coverage from a financially stable carrier, especially if provider access and long-term satisfaction matter more than having the most polished digital tools.
Below is our full review of BCBS of Florida. It’s based on third-party metrics and an in-depth survey of insurance customers. Find the full methodology here.
BCBS of Florida is a good choice for you if:
It might not be the best choice if:
With healthcare costs still rising, affordability is a significant concern for many policyholders. In our survey, BCBS of Florida earned a score of 3.80 stars out of 5, placing it fifth in this category. Humana (4.07 stars out of 5) finished first in this category, while Elevance Health and BCBS of Michigan (Blue Care Network) placed last (3.52 stars out of 5).
Below is a look at how BCBS of Florida’s rates in Florida compare with Molina Healthcare, UnitedHealthcare and Cigna. These are 2026 healthcare exchange rates for a single, 40-year-old man in excellent health with an annual income of $70,000.
Consumers say good customer service is an essential factor when choosing a health insurance company. With a score of 80%, BCBS of Florida tied for second place with Horizon BCBS of New Jersey, BCBS of Michigan (Blue Care Network), Highmark (BCBS in Pennsylvania, Delaware, West Virginia) and Cigna. Humana (83%) took first place.
However, BCBS of Florida fared worse when policyholders were asked about the company’s digital experience. Its score of 73% – tied with BCBS of North Carolina – was lower than all but one carrier, Blue Shield of California (70%).
BCBS of Florida’s score of 78% in the policy offerings category placed the insurer midpack among those insurers we analyzed. Horizon BCBS of New Jersey took the top spot with a score of 90%, while EmblemHealth finished last with 61%.
Another way to gauge policyholder satisfaction is by asking whether people would recommend their insurer to others. In this category, BCBS of Florida scored 91%, putting it in fifth place. Horizon BCBS of New Jersey took the top spot in this category with a perfect score, while UnitedHealthcare finished last with an 80% score.
BCBS of Florida fared far better in the trustworthiness category. Its score of 93% put it in second place; only Humana (96%) scored higher. UnitedHealthcare finished last with a score of 81%.
BCBS of Florida did even better among survey participants when asked whether they planned to renew their coverage. Its score of 98% was the highest among all carriers in our survey; Molina Healthcare finished last with 82%.
Although a low deductible can make healthcare more affordable, none of the insurers in our study earned particularly strong scores in our survey. BCBS of Florida scored 69%, placing it in third place behind Cigna, HCSC and Kaiser Permanente (all 71%) and Humana (75%).
A robust provider network is also crucial for many individuals, particularly those requiring specialized healthcare. BCBS of Florida placed first in this category with a score of 89%, tied with Highmark (BCBS in Pennsylvania, Delaware, and West Virginia).
Customers also say easy payments are essential when evaluating insurers. In this category, BCBS of Florida’s score of 84% placed it in fifth. Humana placed first with a score of 88%.
BCBS of Florida provides a variety of health insurance plans. Plan details and availability vary by state, but include the following:
BCBS of Florida 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 BCBS of Florida by logging into their online account or by calling 1-800-352-2583, Monday through Friday, 8 a.m. to 6 p.m. ET. Medicare policyholders can call 1-800-926-6565 (hours vary).
Nonmembers can reach BCBS of Florida by phone:
Methodology
In 2025, Insure.com surveyed more than 2,000 insurance consumers through independent research firm Dynata. Customers named their life insurer and rated it on customer satisfaction, ease of service, policy offerings, billing, and their experience across different applicant types (seniors, middle-aged adults, young adults, people with pre-existing conditions, people who are overweight, and people who prefer no-exam coverage). We also asked whether they planned to keep their policy, 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 determine each company’s final score:
Each insurer received a rating between 0.5 and 5 stars, with 5 stars representing the highest performance.