Insurer profile · Kaiser Foundation · NAIC + CMS

Kaiser Permanente

Name: Kaiser Permanente Insurance Complaint & Denial Data
Creator: PlainInsurer
License: https://creativecommons.org/publicdomain/zero/1.0

Kaiser Permanente's complaint record, claim-denial rate and reputation grade, drawn from published NAIC complaint data and CMS Transparency in Coverage.

Compiled by PlainInsurer, Public-data reference publisher · August 11, 2026

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

About Kaiser claim-denial questions

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.

Reputation grade A (composite score 86.1) - A=Excellent, F=Failing. Based on NAIC complaint ratios and CMS denial data.

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 →

NAIC CIS filing desk

NAIC 94935 A · 86.1

GRADE-A · INDEX-QUIET · DENIAL-NONE · RANK-BEST · PHOTO-FINISH · LINES-1 · BOOK-RICH

GRADE-A A · 86.1
INDEX-QUIET 0.43
DENIAL-NONE No CMS file
RANK-BEST #8/72
PHOTO-FINISH TIAA Life · A
LINES-1 1 line
BOOK-RICH 6/7 fields

Nearest complaint-index peer: TIAA Life (±0.00 index pts)

Instrument codes from this carrier’s NAIC Consumer Information Source filing: grade band, complaint index, CMS denial band, corpus rank, photo-finish peer, line book, and field completeness. Not an official NAIC rating.

Complaint-index neighbourhood around Kaiser Permanente

Quietest and hottest poles plus nearest index peers, not a full NAIC corpus board reprint.

Northwestern Mutual… · quietest

0
USAA Homeowners · near

0
Mutual of Omaha · near

0
Kaiser Permanente · this carrier

0
TIAA Life · near

0
Principal Financial · near

0
Gainsco Insurance · hottest

4

What this shows 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).

Best in data

0
Market avg

1
Kaiser Permanente

0
Worst in data

4

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

NAIC complaint counts with PlainInsurer composite scores (multi-vintage: NAIC MCAS + CMS TiC/MA when present), 72 rated insurers

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

See the full market-share ranking →

What the NAIC filing desk 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 is outside the CMS marketplace file, but the claim-denial rate ranking shows what that data reports for the carriers it does cover. How complaint indexes place Kaiser Permanente.

Nationwide insurers with similar scores or complaint volume

Two corpus-wide peer sets for Kaiser Permanente: nearest national-scale carriers by composite score and by NAIC complaint volume. These are cross-market neighborhoods, not the corporate-family list or same-grade chips above.

Similar composite score

Nearest carriers by composite score (86.1 here). Floored at 50+ complaints and 5+ states.

USAA 86.4 USAA Homeowners 84.8 New York Life 87.6 Guardian Life 88.4

Similar complaint volume

Nearest carriers by NAIC complaint count (458 here). Deduped against the score peers so the two sets stay distinct.

Erie Insurance 814 complaints Erie Homeowners 853 complaints Northwestern Mutual Life 1,431 complaints Anthem / Elevance Health 1,660 complaints

Aggregates only, not advice. Full terms on the disclaimer.

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.

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?

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 Source

Source: NAIC published complaint index data Complaint index, reputation grade for Kaiser Permanente · 2024 Accessed 2026-03-29

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.

Complaint-index dataset Download CSV Download JSON Read the data documentation

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.

Kaiser Permanente

Complaint-index neighbourhood around Kaiser Permanente