Horizon BCBS of New Jersey is the No. 3 health insurance company for 2026, with a score of 4.16 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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Horizon BCBS of New Jersey is the No. 3 in our Best Health Insurance Companies of 2026 rating with an overall score of 4.16 stars out of 5. It’s an excellent option for shoppers who value plan flexibility and strong member sentiment, but are willing to pay more for coverage.
Below is our full review of Horizon BCBS of New Jersey. It’s based on third-party metrics and our in-depth survey of health insurance customers. Find the full methodology here.
Horizon BCBS of New Jersey is a good choice for you if:
It might not be the best choice if:
Cost is the most critical factor for many when it comes to choosing health insurance. Based on our analysis, Horizon BCBS of New Jersey earns a score of 3.70 stars out of 5 for its rates, ranking it approximately in the middle of our list.
Humana earned the top spot for price with a score of 4.07 stars, while Elevance Health and BCBS of Michigan (Blue Care Network) ranked last with a score of 3.52 stars.
Below is a comparison of Horizon BCBS of New Jersey’s rates in New Jersey with those of UnitedHealthcare. These are 2026 healthcare exchange rates for a single, 40-year-old man in excellent health with an annual income of $70,000.
Policyholders consistently cite customer service as one of the most important criteria when selecting a health insurer. In this category, Horizon BCBS of New Jersey’s survey score of 80% was good for second place, tied with BCBS of Michigan (Blue Care Network), Highmark (BCBS in Pennsylvania, Delaware, West Virginia), BCBS of Florida and Cigna. Humana (83%) took the top honors.
A seamless digital experience, whether on the web or app, is also important. Here, Horizon BCBS of New Jersey placed midpack with a score of 79%. Molina Healthcare took first place with 94%, its best showing in any category.
A variety of policy options matters as well, especially if you have special health or financial needs. In this category, Horizon BCBS of New Jersey took the top spot with a survey score of 90%.
Willingness to recommend an insurer is another way to judge a health insurance company’s performance. In this category, Horizon BCBS of New Jersey earned a perfect survey score of 100%, the best showing among all carriers in any category.
Survey respondents also say the insurer is trustworthy. Its 90% score put the carrier in third place in this category behind BCBS of Florida (93%) and Humana (96%).
Horizon BCBS of New Jersey also did well in the renewals category. Its score of 95% put it in fourth place, tied with Kaiser Permanente, BCBS of Michigan (Blue Care Network), and Cigna. Humana (97%) took top honors here.
One way to keep healthcare affordable is to find a policy with a low deductible. This was the one category where no insurer did exceptionally well. With a survey score of 60%, Horizon BCBS of New Jersey placed last in this category. Humana (75%) was first.
A strong provider network is also essential for many policyholders. In this category, Horizon BCBS of New Jersey finished about in the middle of our rankings with a score of 80%. In this category, Highmark (BCBS in Pennsylvania, Delaware, and West Virginia) did best with a survey score of 89%
The less painful the payment process, the better. In this category, Horizon’s score of 80% was again in the middle among the insurers we analyzed. Once again, Humana (88%) placed first.
Horizon BCBS provides a variety of health insurance plans. Plan details and availability vary, but include the following:
Horizon BCBS also offers the following coverages; availability varies by plan:
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Policyholders can reach Horizon BCBS of New Jersey by email or chat 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.