Health Insurance Company Quality Rating System

Covered California health plans are rated using members’ reported experiences with their plans. The system has one to four stars, with four stars being the top rating.

To assign the star rating, each health plan is compared to results for health plan in the western U.S. region. A four-star plan means the health plan scored in the top 25 percent of all the rated plans; a three-star plan scores between 50 and 75 percent of all plans; two stars means the plan is in the 25 to 50 percent range; and one star is for plans in the bottom 25 percent.

The California plans are compared to regional results for PPO (Preferred Provider Organization) network, because they most mirror the types of plans offered throughout Covered California.

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