Reputation grade
A
Peer-relative, A–F
Insurer profile · NAIC + CMS
QualChoice Life & Health Insurance Company, Inc.
QualChoice Life & Health Insurance Company, Inc.'s complaint record, claim-denial rate and reputation grade, drawn from published NAIC complaint data and CMS Transparency in Coverage.
- A
- Reputation grade
- 15.1%
- Claims denied
- 1
- States (CMS data)
The verdict
QualChoice Life & Health Insurance Company, Inc. earns a A reputation grade - far fewer consumer problems than peers of its size, according to CMS Transparency in Coverage filings, 15.1% of its marketplace claims were denied across 1 state.
- A
- reputation grade
- 15.1%
- claims denied (CMS)
NAIC complaint index
N/A
1.0 = market average; lower is better
Claim denial rate
15.1%
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 A-graded carriers in PlainInsurer's dataset include Lincoln National Life and Principal Financial, and the closest overall composite score to QualChoice Life & Health Insurance Company, Inc.'s 81.1 belongs to Blue Cross Blue Shield of North Dakota (81.6), each rescaled across the measures that carrier reports.
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 QualChoice Life & Health Insurance Company, Inc.
Carriers with the nearest overall composite score (81.1)
| Insurer | Composite score |
|---|---|
| Blue Cross Blue Shield of North Dakota | 81.6 |
| Scott and White Health Plan | 80.5 |
| Dean Health Plan | 80.0 |
| QCA Health Plan, Inc. | 82.2 |
CMS marketplace filing
Reported appeal outcomes for QualChoice Life & Health Insurance Company, Inc.
397
appeals filed
0
overturned (reported outcomes)
N/A
of appeals with a reported outcome
The reported appeals on this profile come from Arkansas (397 filed, outcome not reported).
CMS reports an overturn outcome for 0 of these 397 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 QualChoice Life & Health Insurance Company, Inc.
QualChoice Life & Health Insurance Company, Inc. carries a A reputation grade in PlainInsurer's dataset, with a composite score of 81.1 (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 QualChoice Life & Health Insurance Company, Inc. denied 15.1% of marketplace claims across 1 reporting state - a moderate rate that still varies by plan design and network.
See where QualChoice Life & Health Insurance Company, 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 QualChoice Life & Health Insurance Company, Inc.
What does QualChoice Life & Health Insurance Company, Inc.'s grade mean?
QualChoice Life & Health Insurance Company, Inc. received a grade of A, indicating far fewer consumer problems than peers of its size.
How many complaints does QualChoice Life & Health Insurance Company, Inc. have?
NAIC's public bulk data does not include a complaint-volume estimate for QualChoice Life & Health Insurance Company, 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 QualChoice Life & Health Insurance Company, Inc.?
File against QualChoice Life & Health Insurance Company, Inc. through your state's Department of Insurance or the NAIC consumer portal at naic.org.
Is QualChoice Life & Health Insurance Company, Inc. a good insurance company?
PlainInsurer's A grade for QualChoice Life & Health Insurance Company, Inc. reflects far fewer consumer problems than peers of its size relative to peers on published complaint and denial data.
What types of insurance does QualChoice Life & Health Insurance Company, Inc. offer?
Detailed line-of-business data isn't currently available for QualChoice Life & Health Insurance Company, 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 QualChoice Life & Health Insurance Company, Inc. · 2024
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The full PlainInsurer extract, covering every insurer including QualChoice Life & Health Insurance Company, 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.