Reputation grade
A
Peer-relative, A–F
Insurer profile · Kaiser Foundation · NAIC + CMS
Kaiser Permanente
Kaiser Permanente's complaint record, claim-denial rate and reputation grade, drawn from published NAIC complaint data and CMS Transparency in Coverage.
- A
- Reputation grade
- 0.43
- Complaint index
- 8
- States active
The verdict
Kaiser Permanente earns a A reputation grade - far fewer consumer problems than peers of its size, according to the NAIC's published complaint index, its ratio runs 0.43, below the 1.0 market average.
- A
- reputation grade
- 0.43
- NAIC complaint index
NAIC complaint index
0.43
1.0 = market average; lower is better
Est. complaint volume
~458
across 8 states, index-derived
Graded on 2 of 3 measures: NAIC complaints, prior authorisation. 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 →Where Kaiser Permanente sits on complaints
- Best in data 0
Lowest complaint index in PlainInsurer's dataset: 0.23
0 complaint index
- Market avg 1
Market average complaint index = 1.0 (NAIC benchmark)
1 complaint index
- Kaiser Permanente 0
Kaiser Permanente: complaint index 0.43
0 complaint index
- Worst in data
Highest complaint index in PlainInsurer's dataset: 3.87
4 complaint index
What this shows Kaiser Permanente's complaint index of 0.43 is 57% below the 1.0 market average for a carrier of its size.
Kaiser Permanente vs. the full rated-insurer dataset
43% Among the most affordable more affordable than 88% of 72 rated insurers
Each bar is a band; taller bars hold more rated insurers. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source NAIC published complaint index (2024) · 2024
Scale vs. complaint-adjusted score
Complaint record by line of business
| Line | Est. complaints | Complaint index | States active |
|---|---|---|---|
| Health Insurance (Individual) | ~458 | 0.43 | 8 |
Health insurance market share
National ranking by direct written premiums, NAIC 2024
Market share
6.01%
Direct written premiums
$100,962.9M
What the data shows for Kaiser Permanente
According to PlainInsurer's dataset, Kaiser Permanente has a lower (better) NAIC complaint index than 88% of the 72 rated insurers it tracks and ranks #1 of 18 carriers by complaint ratio in Health Insurance (Individual).
Kaiser Permanente, part of Kaiser Foundation, carries a A reputation grade in PlainInsurer's dataset, with a composite score of 86.1 (higher means more consumer friction relative to size). Its NAIC complaint index of 0.43 sits below the 1.0 market average, meaning policyholders escalate fewer disputes to regulators than is typical for a carrier of its premium volume.
Kaiser Permanente does not appear in the CMS marketplace claim-denial file, which covers individual-market health issuers, common for auto, home and life carriers. The carrier reports activity across 1 line of business.
Kaiser Permanente is outside the CMS marketplace file, but the claim-denial rate ranking shows what that data reports for the carriers it does cover.
Source: NAIC Consumer Information Source complaint data (2024). See methodology.
Aggregates only, not advice. Full terms on the disclaimer.
Other A-graded carriers in PlainInsurer's dataset include Lincoln National Life and Principal Financial, and the closest overall composite score to Kaiser Permanente's 86.1 belongs to Nebraska Total Care, Inc. (85.9), each rescaled across the measures that carrier reports.
Kaiser Permanente is part of the Kaiser Foundation family, alongside Kaiser Foundation Health Plan, Inc. and Kaiser Foundation Healthplan of the NW in PlainInsurer's dataset -- a shared parent doesn't mean shared performance, so check each subsidiary's own record before assuming they behave alike.
Other A-graded insurers
Carriers with the same peer-relative reputation grade
| Insurer | Grade |
|---|---|
| Lincoln National Life | A |
| Principal Financial | A |
| TIAA Life | A |
| Mutual of Omaha | A |
| USAA Homeowners | A |
Closest composite score to Kaiser Permanente
Carriers with the nearest overall composite score (86.1)
| Insurer | Composite score |
|---|---|
| Nebraska Total Care, Inc. | 85.9 |
| USAA | 86.4 |
| Community Insurance Company(Anthem BCBS) | 86.5 |
| Blue Cross and Blue Shield of Montana | 85.4 |
| Aspirus Health Plan, Inc. | 87.0 |
Questions about Kaiser Permanente
What does Kaiser Permanente's grade mean?
Kaiser Permanente received a grade of A, indicating far fewer consumer problems than peers of its size.
How many complaints does Kaiser Permanente have?
PlainInsurer estimates Kaiser Permanente's complaint volume at roughly 458 across 8 states, derived from its published NAIC complaint index and market footprint (NAIC does not release exact per-company complaint counts via public bulk data).
How do I file a complaint against Kaiser Permanente?
File against Kaiser Permanente through your state's Department of Insurance or the NAIC consumer portal at naic.org.
Is Kaiser Permanente a good insurance company?
PlainInsurer's A grade for Kaiser Permanente reflects far fewer consumer problems than peers of its size relative to peers on published complaint and denial data.
What types of insurance does Kaiser Permanente offer?
Based on NAIC filing data, Kaiser Permanente reports activity in 1 line of business: Health Insurance (Individual). Availability varies by state.
Does Kaiser deny a lot of health insurance claims?
PlainInsurer tracks Kaiser as three separate NAIC/CMS-reporting entities, Kaiser Permanente (this page), Kaiser Foundation Health Plan, Inc., and Kaiser Foundation Healthplan of the NW, each with its own filings that cannot be honestly combined into one "Kaiser" number. Kaiser Permanente's own NAIC complaint index for individual health coverage is 0.43 (market median 1.05, 2026), well below the market median. Separate CMS-reporting Kaiser entities do carry marketplace claim-denial data: Kaiser Foundation Health Plan, Inc. denied 7.3% of marketplace claims across 1 reporting state (CMS PY2026); Kaiser Foundation Healthplan of the NW denied 9.2% across 1 reporting state. These are distinct legal entities from Kaiser Permanente, PlainInsurer does not sum or average across them, see their own profiles for exact figures.
Verify Kaiser Permanente
Kaiser Permanente is filed with the NAIC under company number 94935. Search that number directly in the NAIC's own public consumer-information tool to cross-check this page against the primary source.
Verify on NAIC Consumer Information SourceSource: NAIC published complaint index data Complaint index, reputation grade for Kaiser Permanente · 2024
Share, download, and related pages for Kaiser Permanente
Download the data behind this page
The full PlainInsurer extract, covering every insurer including Kaiser Permanente, 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). 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.