InsuranceFinder

As of Nov 14, 2026

Claim denials

A heatmap of claim denials by carrier, state and insurance type. Health figures are denial rates from claims HealthCare.gov issuers reported to CMS for plan year 2025. Property and casualty figures are counts of Texas Department of Insurance complaints that list claim denial as a reason — not denial rates. Real denial rates for property and casualty are not published.

Insurance type

By state

Darker tiles are a higher denial rate, or more Texas denial complaints, up to the 95th percentile of states in the visible file. States and territories with no figure in this file stay muted and are labeled “No public data.”

In this file

17.2%

Claims denied divided by claims received, all issuers in this file, plan year 2025.

Source: CMS, as of Nov 14, 2026.

States in this file

Denial rate — claims denied divided by claims received, plan year 2025. Darker cells are higher rates.

CarrierAKALARAZDEFLHIIAINKSLAMIMOMSMTNCNDNENHOHOKSCSDTNTXUTWIWVWY
Capital Health Plan––––––––––––––––––––––––––––
Imperial Insurance Companies, Inc.––––––––––––––––––––––––––––
Kaiser Foundation Health Plan, Inc.––––––––––––––––––––––––––––
Blue Care Network of Michigan––––––––––––––––––––––––––––
Imperial Insurance Companies, Inc.––––––––––––––––––––––––––––
UnitedHealthcare of Oklahoma, Inc.––––––––––––––––––––––––––––
Community Health Choice Texas, Inc.––––––––––––––––––––––––––––
UnitedHealthcare of Ohio, Inc.––––––––––––––––––––––––––––
UnitedHealthcare Insurance Company––––––––––––––––––––––––––––
UnitedHealthcare Community Plan, Inc.––––––––––––––––––––––––––––
Imperial Health Plan of the Southwest, Inc.––––––––––––––––––––––––––––
Select Health of South Carolina––––––––––––––––––––––––––––
AmeriHealth Caritas VIP Next, Inc.––––––––––––––––––––––––––––
UnitedHealthcare of Arizona, Inc.––––––––––––––––––––––––––––
Harvard Pilgrim Health Care of NE––––––––––––––––––––––––––––
UnitedHealthcare Insurance Company––––––––––––––––––––––––––––
BlueCross BlueShield of Tennessee––––––––––––––––––––––––––––
AmeriHealth Caritas North Carolina, Inc.––––––––––––––––––––––––––––
UnitedHealthcare of North Carolina, Inc––––––––––––––––––––––––––––
UnitedHealthcare of South Carolina, Inc.––––––––––––––––––––––––––––
UnitedHealthcare Insurance Company––––––––––––––––––––––––––––
UnitedHealthcare Insurance Company––––––––––––––––––––––––––––
UnitedHealthcare Insurance Company––––––––––––––––––––––––––––
UnitedHealthcare of Mississippi, Inc.––––––––––––––––––––––––––––
CHRISTUS Health Plan Louisiana––––––––––––––––––––––––––––
UnitedHealthcare of Florida, Inc.––––––––––––––––––––––––––––
Oscar Health Plan, Inc.––––––––––––––––––––––––––––
Summa Insurance Company, Inc.––––––––––––––––––––––––––––
UnitedHealthcare Insurance Company––––––––––––––––––––––––––––
Premera Blue Cross Blue Shield of Alaska––––––––––––––––––––––––––––
Blue Cross and Blue Shield of Kansas City––––––––––––––––––––––––––––
Medica Health Plans––––––––––––––––––––––––––––
Hawaii Medical Service Association––––––––––––––––––––––––––––
Common Ground Healthcare Cooperative––––––––––––––––––––––––––––
Community First Insurance Plans––––––––––––––––––––––––––––
Molina Healthcare of Texas, Inc.––––––––––––––––––––––––––––
McLaren Health Plan Community––––––––––––––––––––––––––––
Sendero Health Plans, Inc.––––––––––––––––––––––––––––
AvMed, Inc.––––––––––––––––––––––––––––
UnitedHealthcare of Texas, Inc.––––––––––––––––––––––––––––
Oscar Buckeye State Insurance Corp.––––––––––––––––––––––––––––
BridgeSpan Health Company––––––––––––––––––––––––––––
Oscar Insurance Company––––––––––––––––––––––––––––
Oscar Insurance Company––––––––––––––––––––––––––––
Security Health Plan of Wisconsin, Inc.––––––––––––––––––––––––––––
UnitedHealthcare Insurance Company––––––––––––––––––––––––––––
Medica Insurance Company––––––––––––––––––––––––––––
Oscar Insurance Company––––––––––––––––––––––––––––
UnitedHealthcare Plan of the River Valley, Inc.––––––––––––––––––––––––––––
Blue Cross and Blue Shield of NC––––––––––––––––––––––––––––
UnitedHealthcare Insurance Company––––––––––––––––––––––––––––
AmeriHealth Caritas Florida, Inc.––––––––––––––––––––––––––––
Simply Healthcare Plans, Inc.––––––––––––––––––––––––––––
Oscar Insurance Company––––––––––––––––––––––––––––
UnitedHealthcare of Wisconsin, Inc.––––––––––––––––––––––––––––
Blue Cross and Blue Shield of Kansas City––––––––––––––––––––––––––––
Oscar Insurance Company––––––––––––––––––––––––––––
Blue Cross Blue Shield of Texas––––––––––––––––––––––––––––
Community Health Choice, Inc.––––––––––––––––––––––––––––
Medica Insurance Company––––––––––––––––––––––––––––
Highmark Blue Cross Blue Shield West Virginia––––––––––––––––––––––––––––
Blue Cross Blue Shield of Wyoming––––––––––––––––––––––––––––
Wellmark Health Plan of Iowa, Inc.––––––––––––––––––––––––––––
Oscar Health Plan of North Carolina, Inc––––––––––––––––––––––––––––
University of Utah Health Insurance Plans––––––––––––––––––––––––––––
Highmark BCBSD Inc.––––––––––––––––––––––––––––
Oscar Insurance Company––––––––––––––––––––––––––––
Network Health Plan––––––––––––––––––––––––––––
Blue Cross Blue Shield of Oklahoma––––––––––––––––––––––––––––
HMO Louisiana, Inc.––––––––––––––––––––––––––––
Medica Community Health Plan––––––––––––––––––––––––––––
Blue Cross and Blue Shield of South Carolina––––––––––––––––––––––––––––
Oscar Insurance Company––––––––––––––––––––––––––––
Boston Medical Center Health Plan, Inc.––––––––––––––––––––––––––––
Health First Commercial Plans, Inc.––––––––––––––––––––––––––––
InStil Health Insurance Company––––––––––––––––––––––––––––
SelectHealth, Inc.––––––––––––––––––––––––––––
Blue Cross and Blue Shield of Alabama––––––––––––––––––––––––––––
Regence BlueCross BlueShield of Utah––––––––––––––––––––––––––––
Wellmark of South Dakota––––––––––––––––––––––––––––
HMO Partners, Inc.––––––––––––––––––––––––––––
Louisiana Health Service & Indemnity Company––––––––––––––––––––––––––––
Oscar Insurance Company––––––––––––––––––––––––––––
Blue Cross and Blue Shield of Arizona, Inc.––––––––––––––––––––––––––––
Anthem Insurance Companies, Inc.––––––––––––––––––––––––––––
Alliant Health Plans, Inc.––––––––––––––––––––––––––––
Health Options, Inc.––––––––––––––––––––––––––––
Antidote Health Plan of Arizona, Inc.––––––––––––––––––––––––––––
USAble HMO, Inc.––––––––––––––––––––––––––––
CommunityCare HMO Inc.––––––––––––––––––––––––––––
Aspirus Health Plan, Inc.––––––––––––––––––––––––––––
Montana Health Cooperative––––––––––––––––––––––––––––
CHRISTUS Health Plan––––––––––––––––––––––––––––
Meridian Health Plan of Michigan, Inc.––––––––––––––––––––––––––––
Iowa Total Care, Inc.––––––––––––––––––––––––––––
Blue Cross and Blue Shield of Nebraska––––––––––––––––––––––––––––
Oscar Insurance Corporation of Ohio––––––––––––––––––––––––––––
USAble Mutual Insurance Company––––––––––––––––––––––––––––
Wellpoint Insurance Company––––––––––––––––––––––––––––
Florida Health Care Plan, Inc.––––––––––––––––––––––––––––
Dean Health Plan––––––––––––––––––––––––––––
Moda Health Plan, Inc.––––––––––––––––––––––––––––
Blue Cross and Blue Shield of Kansas, Inc.––––––––––––––––––––––––––––
Ambetter Health of Louisiana, Inc.––––––––––––––––––––––––––––
Antidote Health Plan of Ohio––––––––––––––––––––––––––––
Blue Cross and Blue Shield of Florida––––––––––––––––––––––––––––
Blue Cross and Blue Shield of Montana––––––––––––––––––––––––––––
Buckeye Community Health Plan––––––––––––––––––––––––––––
Superior Health Plan––––––––––––––––––––––––––––
Celtic Insurance Company––––––––––––––––––––––––––––
Celtic Insurance Company––––––––––––––––––––––––––––
Blue Cross Blue Shield of Michigan Mutual Insurance Company––––––––––––––––––––––––––––
Ambetter of North Carolina Inc.––––––––––––––––––––––––––––
Coordinated Care Corporation Indiana––––––––––––––––––––––––––––
Celtic Insurance Company––––––––––––––––––––––––––––
Health Net of Arizona, Inc.––––––––––––––––––––––––––––
Compcare Health Services Insurance Corporation––––––––––––––––––––––––––––
Celtic Insurance Company––––––––––––––––––––––––––––
Absolute Total Care, Inc––––––––––––––––––––––––––––
Celtic Insurance Company––––––––––––––––––––––––––––
MercyCare HMO, Inc.––––––––––––––––––––––––––––
Ambetter of Magnolia Inc.––––––––––––––––––––––––––––
Quartz Health Benefit Plans Corporation––––––––––––––––––––––––––––
Community Insurance Company––––––––––––––––––––––––––––
Centene Venture Company Florida––––––––––––––––––––––––––––
Celtic Insurance Company––––––––––––––––––––––––––––
Group Health Cooperative of South Central Wisconsin––––––––––––––––––––––––––––
Healthy Alliance Life Insurance Company––––––––––––––––––––––––––––
QCA Health Plan, Inc.––––––––––––––––––––––––––––
Priority Health––––––––––––––––––––––––––––
Matthew Thornton Health Plan, Inc.––––––––––––––––––––––––––––
Blue Cross Blue Shield of North Dakota––––––––––––––––––––––––––––
HealthPartners Insurance Company––––––––––––––––––––––––––––
Avera Health Plans, Inc.––––––––––––––––––––––––––––
Sanford Health Plan––––––––––––––––––––––––––––
Sanford Health Plan––––––––––––––––––––––––––––

Select a cell for claims received and denied.