EmblemHealth is the No. 13 health insurance company for 2026 with a score of 3.75 out of 5. Emblem has low rates, but fared below average in most customer service areas of our survey.
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.
Leslie Kasperowicz is an insurance expert and the executive editor of Insurance.com. Before joining QuinStreet, she was managing editor at Quote.com has a decade of experience writing about insurance. She also spent four years in customer service with Farmers Insurance.
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EmblemHealth is ranked No. 13 on our list of the Best Health Insurance Companies of 2026, with an overall score of 3.75 stars out of 5. Emblem shines on price and delivers a strong digital experience, but its low service metrics, high complaint volume and low financial strength rating keep it near the bottom of our rankings.
Below is our review of EmblemHealth. It’s based on third-party metrics and an in-depth survey of insurance customers. Find the full methodology here.
EmblemHealth is a good choice for you if:
It might not be the best choice if:
Price is the most important factor people consider when choosing health insurance, and according to those surveyed, EmblemHealth represents a good bargain. It scored 4.06 stars out of 5, just a hair behind category leader Humana (4.07 stars).
Below is a comparison of EmblemHealth’s rates in Connecticut with those of Elevance Health. 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 another important consideration when buying health insurance. In this category, EmblemHealth’s survey score of 72% placed in the lower third of companies we ranked. Humana led this category with a score of 83%.
A company’s digital offerings, its website and app, can also sway policyholder opinion. In this category, Emblem’s score of 88% placed it in third place, tied with Cigna. Only HCSC (92%) and Molina Healthcare (94%) scored higher.
Robust policy offerings are also important for customers who may have special health needs or financial concerns. Here, Emblem scored lower among those surveyed, placing last with 61%. Horizon BCBS of New Jersey (90%) led this category.
A customer who’s willing to recommend their insurer is a satisfied customer. EmblemHealth’s score of 83% for customer recommendations was low for this category; only Molina Healthcare (82%) and UnitedHealthcare (80%) scored lower. Horizon BCBS of New Jersey placed first with a score of 100%.
Trustworthiness is another factor that can indicate a customer’s level of satisfaction with their insurer. In this category, Emblem again came up below average at 82%. Only UnitedHealthcare (81%) scored lower. Humana (96%) took first place.
Renewals can also be an indication of policyholder satisfaction. Emblem’s survey score of 94% is in the middle of the rankings for this category. Molina Healthcare was the only company not to score at least 90% in this category, which BCBS of Florida won with 98%.
Low deductibles can make health insurance more affordable; however, none of the insurers in our survey performed particularly well in this category. EmblemHealth’s score of 63% puts it toward the bottom of the list, with BCBS of Michigan (62%) and Horizon BCBS of New Jersey (60%). Humana did best at 75%
A wide network of providers can make obtaining healthcare more convenient, especially when specialized care is needed. In this category, Emblem (72%) again scored lower than average, with only BCBS of North Carolina (71%) and Molina Healthcare (64%) scoring lower. Highmark and BCBS of Florida performed best, with 89% each.
A smooth payment process is another thing that customers appreciate. EmblemHealth’s score of 71% was the lowest among all ranked carriers; Humana (88%) placed first.
EmblemHealth provides a variety of health insurance plans. Plan details and availability vary by state, but include the following:
EmblemHealth 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 EmblemHealth by logging into their online account. The insurer can also be reached by phone; hours vary.
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.