Reputation grade
C
Peer-relative, A–F
Insurer profile · HCSC · NAIC + CMS
BCBS of Texas
BCBS of Texas's complaint record, claim-denial rate and reputation grade, drawn from published NAIC complaint data and CMS Transparency in Coverage.
- C
- Reputation grade
- 1.14
- Complaint index
- 1
- States active
The verdict
BCBS of Texas earns a C reputation grade - a record near the industry median, according to the NAIC's published complaint index, its ratio runs 1.14, near the 1.0 market average.
- C
- reputation grade
- 1.14
- NAIC complaint index
NAIC complaint index
1.14
1.0 = market average; lower is better
Est. complaint volume
~189
across 1 states, index-derived
Graded on 1 of 3 measures: NAIC complaints. The score is rescaled across the measures available, so it is not directly comparable with a carrier graded on more of them.
How we calculated this grade →Where BCBS of Texas sits on complaints
- Best in data 0
Lowest complaint index in PlainInsurer's dataset: 0.23
0 complaint index
- Market avg 1
Market average complaint index = 1.0 (NAIC benchmark)
1 complaint index
- BCBS of Texas 1
BCBS of Texas: complaint index 1.14
1 complaint index
- Worst in data
Highest complaint index in PlainInsurer's dataset: 3.87
4 complaint index
What this shows BCBS of Texas's complaint index of 1.14 is 14% above the 1.0 market average for a carrier of its size.
BCBS of Texas vs. the full rated-insurer dataset
114% 43rd percentile more affordable than 43% of 72 rated insurers
Each bar is a band; taller bars hold more rated insurers. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source NAIC published complaint index (2024) · 2024
Scale vs. complaint-adjusted score
Complaint record by line of business
| Line | Est. complaints | Complaint index | States active |
|---|---|---|---|
| Health Insurance (Individual) | ~189 | 1.14 | 1 |
Health insurance market share
National ranking by direct written premiums, NAIC 2024
Market share
3.82%
Direct written premiums
$64,072.6M
What the data shows for BCBS of Texas
According to PlainInsurer's dataset, BCBS of Texas has a lower (better) NAIC complaint index than 43% of the 72 rated insurers it tracks and ranks #11 of 18 carriers by complaint ratio in Health Insurance (Individual).
BCBS of Texas, part of HCSC, carries a C reputation grade in PlainInsurer's dataset, with a composite score of 54.4 (higher means more consumer friction relative to size). Its NAIC complaint index of 1.14 sits above the 1.0 market average, meaning policyholders escalate more disputes to regulators than is typical for a carrier of its premium volume.
BCBS of Texas does not appear in the CMS marketplace claim-denial file, which covers individual-market health issuers, common for auto, home and life carriers. The carrier reports activity across 1 line of business.
BCBS of Texas is outside the CMS marketplace file, but the claim-denial rate ranking shows what that data reports for the carriers it does cover.
Source: NAIC Consumer Information Source complaint data (2024). See methodology.
Aggregates only, not advice. Full terms on the disclaimer.
Other C-graded carriers in PlainInsurer's dataset include Liberty Mutual and Aetna (CVS Health), and the closest overall composite score to BCBS of Texas's 54.4 belongs to Buckeye Community Health Plan (54.6), each rescaled across the measures that carrier reports.
BCBS of Texas is part of the HCSC family, alongside BCBS of Illinois in PlainInsurer's dataset -- a shared parent doesn't mean shared performance, so check each subsidiary's own record before assuming they behave alike.
Other C-graded insurers
Carriers with the same peer-relative reputation grade
| Insurer | Grade |
|---|---|
| Liberty Mutual | C |
| Aetna (CVS Health) | C |
| Allstate Property | C |
| AIG Homeowners | C |
| Allstate Insurance | C |
Closest composite score to BCBS of Texas
Carriers with the nearest overall composite score (54.4)
| Insurer | Composite score |
|---|---|
| Buckeye Community Health Plan | 54.6 |
| Blue Cross and Blue Shield of Alabama | 54.1 |
| Nationwide Property | 55.2 |
| Transamerica Life | 55.2 |
| Highmark Blue Cross Blue Shield West Virginia | 53.0 |
Questions about BCBS of Texas
What does BCBS of Texas's grade mean?
BCBS of Texas received a grade of C, indicating a record near the industry median.
How many complaints does BCBS of Texas have?
PlainInsurer estimates BCBS of Texas's complaint volume at roughly 189 across 1 state, derived from its published NAIC complaint index and market footprint (NAIC does not release exact per-company complaint counts via public bulk data).
How do I file a complaint against BCBS of Texas?
File against BCBS of Texas through your state's Department of Insurance or the NAIC consumer portal at naic.org.
Is BCBS of Texas a good insurance company?
PlainInsurer's C grade for BCBS of Texas reflects a record near the industry median relative to peers on published complaint and denial data.
What types of insurance does BCBS of Texas offer?
Based on NAIC filing data, BCBS of Texas reports activity in 1 line of business: Health Insurance (Individual). Availability varies by state.
Verify BCBS of Texas
BCBS of Texas is filed with the NAIC under company number 70670. Search that number directly in the NAIC's own public consumer-information tool to cross-check this page against the primary source.
Verify on NAIC Consumer Information SourceSource: NAIC published complaint index data Complaint index, reputation grade for BCBS of Texas · 2024
Share, download, and related pages for BCBS of Texas
Download the data behind this page
The full PlainInsurer extract, covering every insurer including BCBS of Texas, is available as CSV and JSON. Underlying federal data is public domain; see our methodology for the compilation and grading method.
Data: NAIC published complaint index (2024). Not affiliated with NAIC or CMS.
Every figure on PlainInsurer comes directly from NAIC MCAS and CMS Transparency in Coverage data; no editor types in numbers. See our editorial standards or methodology, or report an error. Data current as of 2026-08-11. Grades measure only the published complaint/denial data; we don't recommend any insurer or policy.