Insurer profile · UnitedHealth Group · NAIC + CMS

UnitedHealthcare

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

B
Reputation grade
1.12
Complaint index
50
States active

The verdict

UnitedHealthcare earns a B reputation grade - a better-than-average record versus peers, according to the NAIC's published complaint index, its ratio runs 1.12, near the 1.0 market average.

B
reputation grade
1.12
NAIC complaint index
BBB
Reputation grade B (composite score 67.5) - 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 71286 B · 67.5

GRADE-B · INDEX-MID · DENIAL-NONE · RANK-MID · PHOTO-FINISH · LINES-1 · BOOK-RICH

  • GRADE-B B · 67.5
  • INDEX-MID 1.12
  • DENIAL-NONE No CMS file
  • RANK-MID #38/72
  • PHOTO-FINISH Nationwide Property · C
  • LINES-1 1 line
  • BOOK-RICH 6/7 fields

Nearest complaint-index peer: Nationwide Property (±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 UnitedHealthcare

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

UnitedHealthcare - complaint index neighbourhood

complaint index

What this shows According to PlainInsurer's dataset, UnitedHealthcare has a lower (better) NAIC complaint index than 44% of the 72 rated insurers it tracks and ranks #10 of 18 carriers by complaint ratio in Health Insurance (Individual).

Source NAIC published complaint index (2024) As of 2026

Where UnitedHealthcare sits on complaints

complaint index

What this shows UnitedHealthcare's complaint index of 1.12 is 12% above the 1.0 market average for a carrier of its size.

Source NAIC published complaint index (2024) As of 2024

UnitedHealthcare vs. the full rated-insurer dataset

112% 44th percentile more affordable than 44% of 72 rated insurers

UnitedHealthcare 0% 425% all rated insurers, bucketed by value

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 2×2 strategic matrix plotting 30 entities by Total complaints → (X) and Composite score (higher = more friction) → (Y), with a crosshair dividing the plot into four quadrants. Large, high frictionSmall, high frictionLarge, low frictionSmall, low friction 02,0004,0006,0008,000 60708090100 Total complaints → Composite score (higher = more friction) →
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) ~6,891 1.12 50

Medicare Advantage, prior authorization

PA Requests
2,100,000
PA Denial Rate
6.3%
Appeals Filed
19,845
Appeal Overturn Rate
72.0%

Contract: H0028 · Plan type: HMO · View all MA plans →

Health insurance market share

National ranking by direct written premiums, NAIC 2024

#1
Market share
16.05%
Direct written premiums
$269,447.9M
See the full market-share ranking →

What the NAIC filing desk shows for UnitedHealthcare

According to PlainInsurer's dataset, UnitedHealthcare has a lower (better) NAIC complaint index than 44% of the 72 rated insurers it tracks and ranks #10 of 18 carriers by complaint ratio in Health Insurance (Individual).

UnitedHealthcare 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 UnitedHealthcare.

Nationwide insurers with similar scores or complaint volume

Two corpus-wide peer sets for UnitedHealthcare: 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 (67.5 here). Floored at 50+ complaints and 5+ states.

American Family Homeowners 66.4 Openly Insurance 68.8 American Family Insurance 69.6 Cigna Health 69.6

Similar complaint volume

Nearest carriers by NAIC complaint count (6,891 here). Deduped against the score peers so the two sets stay distinct.

Transamerica Life 6,880 complaints Centene Corporation (WellCare) 6,763 complaints Nationwide Property 6,620 complaints Ambetter (Centene) 7,172 complaints
Aggregates only, not advice. Full terms on the disclaimer.

UnitedHealthcare is part of the UnitedHealth Group family, alongside UnitedHealthcare of South Carolina, Inc., UnitedHealthcare of Ohio, Inc., UnitedHealthcare of Texas, Inc., UnitedHealthcare of Arizona, Inc., and 2 more 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 UnitedHealthcare

What does UnitedHealthcare's grade mean?
UnitedHealthcare received a grade of B, indicating a better-than-average record versus peers.
How many complaints does UnitedHealthcare have?
PlainInsurer estimates UnitedHealthcare's complaint volume at roughly 6,891 across 50 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 UnitedHealthcare?
File against UnitedHealthcare through your state's Department of Insurance or the NAIC consumer portal at naic.org.
Is UnitedHealthcare a good insurance company?
PlainInsurer's B grade for UnitedHealthcare reflects a better-than-average record versus peers relative to peers on published complaint and denial data.
What types of insurance does UnitedHealthcare offer?
Based on NAIC filing data, UnitedHealthcare reports activity in 1 line of business: Health Insurance (Individual). Availability varies by state.

Verify UnitedHealthcare

UnitedHealthcare is filed with the NAIC under company number 71286. 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 UnitedHealthcare · 2024

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Download the data behind this page

The full PlainInsurer extract, covering every insurer including UnitedHealthcare, is available as CSV and JSON. Underlying federal data is public domain; see our methodology for the compilation and grading method.

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Data: NAIC published complaint index (2024) · CMS Medicare Advantage analysis (CMS OIG OEI-09-22-00380, KFF 2023). 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.