Reputation grade
D
Peer-relative, A–F
Insurer profile · NAIC + CMS
Health First Commercial Plans, Inc.
Health First Commercial Plans, Inc.'s complaint record, claim-denial rate and reputation grade, drawn from published NAIC complaint data and CMS Transparency in Coverage.
- D
- Reputation grade
- 25.3%
- Claims denied
- 1
- States (CMS data)
The verdict
Health First Commercial Plans, Inc. earns a D reputation grade - a worse-than-average record versus peers, according to CMS Transparency in Coverage filings, 25.3% of its marketplace claims were denied across 1 state.
- D
- reputation grade
- 25.3%
- claims denied (CMS)
NAIC complaint index
N/A
1.0 = market average; lower is better
Claim denial rate
25.3%
CMS, 1 states
Graded on 1 of 3 measures: claim denials. 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 →Other D-graded carriers in PlainInsurer's dataset include Globe Life and Primerica Life Insurance, and the closest overall composite score to Health First Commercial Plans, Inc.'s 31.9 belongs to Meridian Health Plan of Michigan, Inc. (32.4), each rescaled across the measures that carrier reports.
Other D-graded insurers
Carriers with the same peer-relative reputation grade
| Insurer | Grade |
|---|---|
| Globe Life | D |
| Primerica Life Insurance | D |
| Liberty Mutual Homeowners | D |
| GEICO | D |
| Farmers Insurance | D |
Closest composite score to Health First Commercial Plans, Inc.
Carriers with the nearest overall composite score (31.9)
| Insurer | Composite score |
|---|---|
| Meridian Health Plan of Michigan, Inc. | 32.4 |
| Cigna Health and Life Insurance Company | 30.8 |
| Farmers Property | 33.2 |
| McLaren Health Plan Community | 30.3 |
CMS marketplace filing
Reported appeal outcomes for Health First Commercial Plans, Inc.
403
appeals filed
255
overturned (reported outcomes)
63.3%
of appeals with a reported outcome
The reported appeals on this profile come from Florida (403 filed, 255 overturned).
CMS reports an overturn outcome for 403 of these 403 filed appeals; missing outcomes are excluded from the percentage. These filing totals are not a prediction for an individual appeal. View the CMS source ↗
What the data shows for Health First Commercial Plans, Inc.
Health First Commercial Plans, Inc. carries a D reputation grade in PlainInsurer's dataset, with a composite score of 31.9 (higher means more consumer friction relative to size). It does not yet carry enough NAIC complaint history for a normalized complaint index.
On the claims side, CMS Transparency-in-Coverage filings show Health First Commercial Plans, Inc. denied 25.3% of marketplace claims across 1 reporting state - an elevated rate that warrants checking the plan's appeal-success record before enrolling.
See where Health First Commercial Plans, Inc. sits against every reporting carrier in the claim-denial rate ranking.
Source: NAIC Consumer Information Source complaint data (2024). Source: CMS Transparency in Coverage PUF (PY2026), cms.gov.
Aggregates only, not advice. Full terms on the disclaimer.
Questions about Health First Commercial Plans, Inc.
What does Health First Commercial Plans, Inc.'s grade mean?
Health First Commercial Plans, Inc. received a grade of D, indicating a worse-than-average record versus peers.
How many complaints does Health First Commercial Plans, Inc. have?
NAIC's public bulk data does not include a complaint-volume estimate for Health First Commercial Plans, Inc. - the carrier may be new, small, or file under a parent company. Absence of an estimate is missing data, not evidence of zero complaints.
How do I file a complaint against Health First Commercial Plans, Inc.?
File against Health First Commercial Plans, Inc. through your state's Department of Insurance or the NAIC consumer portal at naic.org.
Is Health First Commercial Plans, Inc. a good insurance company?
PlainInsurer's D grade for Health First Commercial Plans, Inc. reflects a worse-than-average record versus peers relative to peers on published complaint and denial data.
What types of insurance does Health First Commercial Plans, Inc. offer?
Detailed line-of-business data isn't currently available for Health First Commercial Plans, Inc.. The carrier is licensed in 0 states.
Source: NAIC published complaint index + CMS Transparency in Coverage PY2026 Complaint index, reputation grade and per-state claim denial rates for Health First Commercial Plans, Inc. · 2024
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The full PlainInsurer extract, covering every insurer including Health First Commercial Plans, Inc., 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) · CMS Transparency in Coverage PUF PY2026. 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.