Molina Healthcare health insurance review and ratings 2023

Molina gets high marks for trustworthiness and was ranked No. 9 on’s 2023 Best Health Insurance Companies list – earning 3 stars out of 5.

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Our take

Molina Healthcare offers plans under Medicaid and Medicare and through the state health insurance marketplace.

It may not be available in your state, yet those customers who get their insurance through Molina give it high marks for trustworthiness and the company has a respectable 3 out of 5 stars from the National Committee for Quality Assurance (NCQA). NCQA evaluates healthcare plans on, among other things, member satisfaction. 

Overall, Molina ranked No. 9 in’s list of the Best Health Insurance Companies for 2023 with a star rating of 3 (or, more precisely, 2.96) out of 5 stars.  

Below is’s review of the company. It’s based on third-party metrics and our in-depth survey of insurance customers. Find the full methodology here, including an explanation of our survey scores.

Molina Healthcare
Molina Healthcare Ratings
Overall Rating: 3.0
Price/Affordability: 3.9
NCQA: 2.75
Customer Satisfaction: 4.0
AM Best Rating: B

Pros and Cons

  • It has earned its members’ trust
  • The vast majority of customers plan to renew their policies
  • Coverage is limited to government-sponsored programs
  • Coverage is available in less than 20 states

How much does Molina health insurance cost?

Although the company was founded to provide low-income people with affordable healthcare, it didn’t score especially well here. However, we found that Molina does offer cheaper coverage in some markets.

Insurance company Survey score for low premiums
Molina 7
Aetna 1
UnitedHealthcare 2 (tie)
Cigna 2 (tie)

Below is a look at how Molina rates in Michigan compare with those of Blue Cross Blue Shield of Michigan for a similar plan. These are 2023 healthcare exchange rates for a single, 40-year-old male in excellent health with an annual income of $70,000.

Insurance company Rate/Month Plan
Molina $316 Constant Care Silver 8 250 – HMO
Blue Care Network of Michigan $427 Blue Cross Select HMO Silver Saver

How Molina scores for customer satisfaction

Molina received one of the lower scores among the top insurers in our survey for customer satisfaction. Still, 80% approval in this category is fairly high. Most members say they will renew their policies, which indicates they expect some drawbacks with the price. Kaiser Permanente is the top-ranked company in this category, followed by Blue Shield of California.

Insurance company Percent of customers who are satisfied with the company overall J.D. Power overall satisfaction score (out of 1,000)
Molina 80% Not available
Kaiser Permanente 93% 766
Blue California 91% 738

How Molina scores for policy offerings

Large competitors offer more choices. Molina’s offerings are limited to Medicaid, Medicare, or other state-sponsored plans. Generally, customers were OK with that. However, Blue Shield of California and Kaiser Permanente led this category.

Insurance company Percent of customers who score their insurance company highly for policy offerings
Molina 80%
Blue California and Kaiser 91%
UnitedHealthcare 84%

Would customers recommend Molina to others?

Yes, Molina ranked fairly well in this category with 85% of customers saying they would recommend the company to others. There may be some recognition that while most customers are willing to make some sacrifices, others may not be. Molina ranked behind Kaiser, which led this category.

Insurance company Percent of customers who would recommend their health insurance company to others
Molina 85%
Kaiser Permanente 96%
Cigna 80%

How trustworthy is Molina?

Molina has earned customers’ trust. It was in the top companies in our survey, with 75% of respondents saying they trust the company. But this was a tough category. Eight of the 10 companies we ranked saw between 70-80% of their customers give them high marks for trust. Kaiser Permanente led the way at 87%.

Insurance company Percent of customers who say they trust their health insurance company
Molina 75%
Kaiser Permanente 87%
Humana 72%

Do current Molina customers plan to renew?

Most say yes. Customers seem to recognize they get good value for their money, with 90% saying they would renew. Anthem was the top ranked company here.

Insurance company Percent of customers who plan to renew with their health insurance company
Molina 90%
Anthem 95%
UnitedHealthcare 89%

Molina health insurance coverage options

  • Medicare, Medi-Cal and Medicaid plans
  • Other state-sponsored plans

Other services offered

  • Children’s Health Insurance programs (CHIP)

States where Molina Healthcare offers coverage

States where Molina Healthcare offers coverage
New Mexico
New York
South Carolina
Not available

Company background

Molina Healthcare

The company was founded in 1980 by C. David Molina, an emergency room doctor in Long Beach, California. Molina grew alarmed by a steady stream of patients to his emergency room for common illnesses that could have been treated in primary care centers. The patients were showing up in emergency rooms because they were being turned away from doctors who wouldn’t accept the state’s Medi-Cal health insurance.

He established a primary care clinic in Long Beach to treat low-income patients. There was a clear void to fill, and by the end of the decade, Molina became the state’s largest primary care management provider for Medi-Cal patients. Molina continued to grow and expand to other states, sticking to its roots of offering Medicare, Medicaid and other government-sponsored plans.

Molina passed away in 1996, but the company and the concept continue to live on. Today, Molina operates in almost 20 states and has more than 5 million members.

Resources & Methodology


Molina corporate information. Accessed November 2022.

C. David Molina Chair in Medicine profile, John Hopkins University. Accessed November 2022.

Methodology in the fall of 2022 surveyed more than 1,500 insurance consumers (775 people with health insurance). The survey was conducted by online market research company Slice MR. 

Respondents were asked to name their insurer and then grade it in the following categories – customer satisfaction, ease of service and policy offerings. The percentage of respondents who said they were satisfied or very satisfied with their insurer is presented in the results.

Survey score calculation: Respondents were then asked to rank their insurer’s top three attributes out of more than a dozen presented – such as its provider network. For a number one choice, five points were given; for a second choice, three points; and for a third choice, a single point. The total points for each choice – first, second and third – were then divided by the number of each company’s customers who responded to that survey question to create a percentage. Those percentages are presented in the results as scores. 

Respondents were then asked if they would recommend their insurer to someone else and if they planned to renew their policies. The percentage who said yes is presented in the results.

They also were given the statement “I trust my insurance company” and asked if they strongly agreed, agreed, disagreed or strongly disagreed with the statement. The percentage of those who said they agreed or strongly agreed is presented in the results.

The editors compiled the survey results and then selected – based on the number of survey responses – the top companies for further evaluation. needed 20 or more of a company’s customers to respond to the survey for that insurer to be included in the ranking, although in some categories the editors did consider companies with 18 or 19 responses.

They then collected AM Best financial stability ratings and National Committee for Quality Assurance (NCQA) ratings, which evaluate health plans on, among other things, member satisfaction.

With the help of Prof. David Marlett, Ph.D., managing director of the Brantley Risk and Insurance Center at Appalachian State University, the editors created a rating system to determine which insurance companies were best in each sector. For health insurers, we used the following weights to calculate the overall score for each company: 

  • Survey – 60% of total score (10% for customer satisfaction, 10% trustworthiness, 10% for recommending the carrier to another, 10% if a respondent would renew with their current insurer, and 20% if they consider their insurer the best for affordability)
  • AM Best – 25% of total score
  • NCQA – 15% of total score

Each insurer was awarded from 1 to 5 stars. No insurer in our star ranking received less than 1 star and the highest possible ranking is 5 stars.

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Mel Duvall
Contributing Researcher


Mel Duvall is an award-winning senior business writer and communications professional. Mel also served a three-year term on the Mount Royal University Journalism Committee.

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