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
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 →NAIC CIS filing desk
NAIC 70670 C · 54.4
GRADE-C · INDEX-MID · DENIAL-NONE · RANK-MID · PHOTO-FINISH · LINES-1 · BOOK-RICH
- GRADE-C C · 54.4
- INDEX-MID 1.14
- DENIAL-NONE No CMS file
- RANK-MID #41/72
- PHOTO-FINISH Nationwide Property · C
- LINES-1 1 line
- BOOK-RICH 6/7 fields
Nearest complaint-index peer: Nationwide Property (±0.02 index pts)
Instrument codes from this carrier’s NAIC Consumer Information Source filing: grade band, complaint index, CMS denial band, corpus rank, photo-finish peer, line book, and field completeness. Not an official NAIC rating.
Complaint-index neighbourhood around BCBS of Texas
Quietest and hottest poles plus nearest index peers, not a full NAIC corpus board reprint.
BCBS of Texas - complaint index neighbourhood
- Northwestern Mutual… · quietest 0
Northwestern Mutual… · quietest
0 complaint index
- Nationwide Property · near 1
Nationwide Property · near
1 complaint index
- Transamerica Life · near 1
Transamerica Life · near
1 complaint index
- UnitedHealthcare · near 1
UnitedHealthcare · near
1 complaint index
- BCBS of Texas · this carrier 1
BCBS of Texas · this carrier
1 complaint index
- Allstate Insurance · near 1
Allstate Insurance · near
1 complaint index
- Gainsco Insurance · hottest
Gainsco Insurance · hottest
4 complaint index
What this shows 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).
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
What the NAIC filing desk 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 is outside the CMS marketplace file, but the claim-denial rate ranking shows what that data reports for the carriers it does cover. How complaint indexes place BCBS of Texas.
Nationwide insurers with similar scores or complaint volume
Two corpus-wide peer sets for BCBS of Texas: nearest national-scale carriers by composite score and by NAIC complaint volume. These are cross-market neighborhoods, not the corporate-family list or same-grade chips above.
Similar composite score
Nearest carriers by composite score (54.4 here). Floored at 50+ complaints and 5+ states.
Similar complaint volume
Nearest carriers by NAIC complaint count (189 here). Deduped against the score peers so the two sets stay distinct.
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.
Questions about BCBS of Texas
What does BCBS of Texas's grade mean?
How many complaints does BCBS of Texas have?
How do I file a complaint against BCBS of Texas?
Is BCBS of Texas a good insurance company?
What types of insurance does BCBS of Texas offer?
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.