Select any two insurers to see a side-by-side comparison of complaint ratios, denial rates,
reputation grades, and composite scores, all from NAIC and CMS regulatory data.
According to published National Association of Insurance Commissioners complaint data and the U.S. Centers for Medicare & Medicaid Services Transparency in Coverage Public Use File (plan year 2026), PlainInsurer compares more than 1,000 graded insurer records side by side. See our methodology for how each metric is computed.
Compiled by PlainInsurer, Public-data reference publisher
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Top-rated insurers from the NAIC-graded registry compared against each other.
Complaints normalized by premium volume so large and small companies can be compared fairly. Source: NAIC MCAS 2024.
2
Denial Rate
Claim denial rates from CMS Transparency in Coverage data for health insurers. Available for companies with federal reporting obligations.
3
Composite Grade
Letter grade (A–F) combining complaint ratio, denial score, and prior authorization data where available. A is best.
Data: NAIC MCAS 2024 · CMS Transparency in Coverage PUF PY2026 · CMS Medicare Advantage.
Not affiliated with NAIC or CMS. This tool is for informational purposes only.
Every figure on PlainInsurer comes directly from NAIC MCAS and CMS Transparency in Coverage
data; no editor types in numbers. Pair comparisons use the same NAIC complaint and CMS denial inputs shown on each insurer profile; grades remain multi-vintage PlainInsurer measures. 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.