Molina Healthcare is the No. 14 health insurance company for 2026 with a score of 3.72 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.
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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Molina Healthcare is ranked No. 14 in our list of the Best Health Insurance Companies of 2026, tying Blue Shield of California for last place with an overall score of 3.72 stars out of 5.
Molina limits its coverage to plans under Medicaid, Medicare, and through the state health insurance marketplace. It may be a decent fit for shoppers who prioritize lower premiums and a strong digital experience. Still, its poor survey results for service, provider access, and member confidence may make it a tough sell for many families.
Below is our review of Molina Healthcare. It’s based on third-party metrics and an in-depth survey of insurance customers. Find the full methodology here.
Molina Healthcare is a good choice for you if:
It might not be the best choice if:
Many people say cost is the most important factor when shopping for health insurance. Among the companies in our analysis, Molina Healthcare’s score of 3.95 stars out of 5 placed it in fourth place behind Kaiser Permanente (3.99 stars), EmblemHealth (4.06 stars) and Humana (4.07 stars).
Below is a look at how Molina Healthcare’s rates in Florida compare with UnitedHealthcare, Cigna and BCBS of Florida. These are 2026 healthcare exchange rates for a single, 40-year-old man in excellent health with an annual income of $70,000.
Molina Healthcare falls short in the critical category of customer service, finishing last among companies we ranked, with a survey score of just 68%. Humana (83%) was the top performer in this category.
A reliable, simple-to-use website and app are also an important metric, and in this category Molina did far better. In fact, it took first place with a score of 94%, its highest finish in any category of our survey.
When it comes to policy offerings, Molina fares less well. With a score of 73%, Molina finished ahead of just two other carriers in this category: EmblemHealth (61%) and Blue Shield of California (71%).
Positive customer recommendations are another way to assess policyholder satisfaction. As with other survey categories, Molina Healthcare again finished next to last with a score of 82%; only UnitedHealthcare (80%) had a lower score. Horizon BCBS of New Jersey finished first with a perfect score.
Molina’s score for trustworthiness (86%) was slightly more positive, tying it for fifth place with four other carriers. In this category, Humana earned the highest score (96%), while UnitedHealthcare (81%) ranked last.
Renewing a policy is a vote of confidence in your insurer, and in this category, Molina came up short yet again. Its survey score of 82% was the lowest among all carriers we looked at. Here, too, BCBS of Florida earned the highest score of 98%.
A low deductible can mean the difference between affordable healthcare and care that is not. Although no insurer in our survey did exceptionally well in this category, Molina’s score of 67% was good for third place behind Kaiser Permanente, HCSC, Cigna (71%), and Humana (75%).
A robust provider network is also crucial for policyholders, particularly when seeking specialized treatment. Here, however, Molina falls short with a last-place score of 64%; Highmark (BCBS in Pennsylvania, Delaware, West Virginia) and Florida Blue placed first with 89%.
A smooth billing process is also essential. In this category, Molina finished in the bottom half of our ranking, scoring 77%. Here, too, Humana took first with a score of 88%.
Molina Healthcare provides a variety of health insurance plans. Plan details and availability vary by state, but include the following:
Molina also offers the following coverages; availability varies by state and plan:
Policyholders can reach Molina Healthcare by logging into their online account. Customers can also reach the insurer by phone; hours vary by state:
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.