Reputation grade
D
Peer-relative, A–F
Insurer profile · NAIC + CMS
Health Options, Inc.
Health Options, Inc.'s complaint record, claim-denial rate and reputation grade, drawn from published NAIC complaint data and CMS Transparency in Coverage.
- D
- Reputation grade
- 24.6%
- Claims denied
- 1
- States (CMS data)
The verdict
Health Options, Inc. earns a D reputation grade - a worse-than-average record versus peers, according to CMS Transparency in Coverage filings, 24.6% of its marketplace claims were denied across 1 state.
- D
- reputation grade
- 24.6%
- claims denied (CMS)
NAIC complaint index
N/A
1.0 = market average; lower is better
Claim denial rate
24.6%
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 →CMS marketplace filing
Reported appeal outcomes for Health Options, Inc.
3,129
appeals filed
1,402
overturned (reported outcomes)
44.8%
of appeals with a reported outcome
The reported appeals on this profile come from Florida (3,129 filed, 1,402 overturned).
CMS reports an overturn outcome for 3,129 of these 3,129 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 Options, Inc.
Health Options, Inc. carries a D reputation grade in PlainInsurer's dataset, with a composite score of 35.1 (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 Options, Inc. denied 24.6% of marketplace claims across 1 reporting state - an elevated rate that warrants checking the plan's appeal-success record before enrolling.
See where Health Options, 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.
Other D-graded carriers in PlainInsurer's dataset include Globe Life and Primerica Life Insurance, and the closest overall composite score to Health Options, Inc.'s 35.1 belongs to Aetna Health Inc. (a PA corp.) (35.1), 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 Options, Inc.
Carriers with the nearest overall composite score (35.1)
| Insurer | Composite score |
|---|---|
| Aetna Health Inc. (a PA corp.) | 35.1 |
| Molina Healthcare of Texas, Inc. | 34.1 |
| Molina Healthcare of Wisconsin, Inc. | 36.2 |
| Community Health Choice, Inc. | 33.5 |
| Cigna HealthCare of Texas, Inc. | 36.8 |
Questions about Health Options, Inc.
What does Health Options, Inc.'s grade mean?
Health Options, Inc. received a grade of D, indicating a worse-than-average record versus peers.
How many complaints does Health Options, Inc. have?
NAIC's public bulk data does not include a complaint-volume estimate for Health Options, 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 Options, Inc.?
File against Health Options, Inc. through your state's Department of Insurance or the NAIC consumer portal at naic.org.
Is Health Options, Inc. a good insurance company?
PlainInsurer's D grade for Health Options, Inc. reflects a worse-than-average record versus peers relative to peers on published complaint and denial data.
What types of insurance does Health Options, Inc. offer?
Detailed line-of-business data isn't currently available for Health Options, 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 Options, Inc. · 2024
Share, download, and related pages for Health Options
Download the data behind this page
The full PlainInsurer extract, covering every insurer including Health Options, 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.