HealthCare Services Corp is the No. 6 health insurance company for 2026 with a score of 4.09 out of 5
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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HCSC earns an overall score of 4.09 stars out of 5 in our analysis, good for No. 6 in our ranking of the Best Health Insurance Companies of 2026.
It’s a strong pick for customers who want above-average affordability from a financially stable Blue Cross carrier, and who prioritize a seamless digital experience and reliable access to care.
Below is our review of HCSC. It’s based on third-party metrics and an in-depth survey of insurance customers. Find the full methodology here.
HCSC – HealthCare Services Corp is a good choice for you if:
It might not be the best choice if:
For many consumers, affordability is the most critical factor when choosing a health insurance policy. In this category, HCSC – HealthCare Services Corp (BCBS of Illinois, Montana, New Mexico, Oklahoma and Texas) earned a score of 3.81 stars out of 5, placing it fourth among the insurers we analyzed.
Humana took the top spot (4.07 stars out of 5), while Elevance Health and BCBS of Michigan (Blue Care Network) finished last with a score of 3.52 stars out of 5.
Below is a comparison of HCSC rates in New Mexico with those of Molina Healthcare and UnitedHealthcare. These are 2026 healthcare exchange rates for a single, 40-year-old man in excellent health with an annual income of $70,000.
HCSC earned a score of 73% in the customer service category of our survey, placing it in the lower half of the companies we analyzed. Humana led this category with a score of 83%, while Molina Healthcare placed last with a score of 68%.
HCSC did far better among those surveyed when asked about the company’s website and app. Its score of 92% placed it second behind top scorer Molina Healthcare (94%) in the digital experience category.
Generous policy offerings are also crucial for many healthcare customers, particularly when it comes to specialized care. Among companies in our survey, HCSC scored 81%, placing it behind BCBS of Michigan (Blue Care Network) and Humana (83%), as well as Horizon BCBS of New Jersey (90%).
One way to gauge a health insurer’s reputation is to ask policyholders whether they’d recommend the carrier to others. HCSC earned a score of 95%, putting it in second place behind Horizon BCBS of New Jersey (100%).
When it comes to trustworthiness, HCSC did less well. Only three insurers scored lower than HCSC’s 86%: Aetna (CVS Health) and EmblemHealth (83%) and UnitedHealthcare (81%).
Policy renewal rates are another indicator of policyholder satisfaction. In this category, HCSC took second place with a survey score of 97%; only BCBS of Florida scored higher at 98%.
For consumers on a budget, a low deductible is a critical factor. Unfortunately, none of the insurers in our survey earned particularly high scores in this category. HCSC scored 71%, tied with Cigna and Kaiser Permanente for second place behind category leader Humana (75%).
A strong network of providers is another essential factor. In this survey category, HCSC scored 86%, placing it second behind category leaders Highmark (BCBS in Pennsylvania, Delaware, West Virginia) and BCBS of Florida (89%).
A smooth payment process is also vital for many people. In this category, HCSC scored 76%, putting it in the lower half of carriers in our survey. Humana took the top score with 88%, while EmblemHealth finished last with 71%.
HCSC provides a variety of health insurance plans. Plan details and availability vary by state, but include the following:
HCSC 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
HealthCare Services Corp (BCBS of Illinois, Montana, New Mexico, Oklahoma and Texas) policyholders can reach the company by logging into their online account. For general inquiries, call 1-312-653-6000.
Nonmembers can contact HCSC 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.