Appropriate-Use Disclaimer
PlainInsurer compiles public insurance-regulator data into comparable pages. Please read how to use it — and how not to.
According to the U.S. Centers for Medicare & Medicaid Services Transparency in Coverage Public Use File (PY2025, published March 2026) and published National Association of Insurance Commissioners data, PlainInsurer compiles statistics across more than 1,000 insurers and all 51 United States jurisdictions. This page explains the limits of that data. See our methodology and editorial policy for how it is sourced.
Not insurance, financial, or legal advice
The complaint indexes, claim-denial rates, reputation grades, and premium figures on PlainInsurer are informational. They describe how insurers have performed in aggregate public data — they cannot predict your individual claim experience, and nothing here is a recommendation to buy, keep, or drop any policy. Always compare quotes and read a plan's actual terms before deciding.
A high complaint ratio is a signal, not a verdict
A high complaint ratio or denial rate is a reason to look closer, not proof of illegal or unfair behaviour. Larger insurers draw more complaints by volume; complex products (Medicaid managed care, narrow-network plans, prior-authorization-heavy lines) generate more denials by design. Read each figure in context, and pair the denial rate with a plan's appeal-success record where available.
Data can lag and change
Published regulator data is typically six to eighteen months old when released. An insurer's current standing may differ from what is shown here. Verify current details with the insurer, a licensed agent, or your state Department of Insurance.
Independence
PlainInsurer is independent and not affiliated with the NAIC, CMS, or any insurer. We accept no payment from the companies we cover. See our editorial & corrections policy for full detail on sourcing and independence.