Reputation grade
B
Peer-relative, A–F
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
NAIC complaint index
1.12
1.0 = market average; lower is better
Est. complaint volume
~6,891
across 50 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 UnitedHealthcare 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
- UnitedHealthcare 1
UnitedHealthcare: complaint index 1.12
1 complaint index
- Worst in data
Highest complaint index in PlainInsurer's dataset: 3.87
4 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.
UnitedHealthcare vs. the full rated-insurer dataset
112% 44th percentile more affordable than 44% 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) | ~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
Market share
16.05%
Direct written premiums
$269,447.9M
What the data 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, part of UnitedHealth Group, carries a B reputation grade in PlainInsurer's dataset, with a composite score of 67.5 (higher means more consumer friction relative to size). Its NAIC complaint index of 1.12 sits above the 1.0 market average, meaning policyholders escalate more disputes to regulators than is typical for a carrier of its premium volume.
UnitedHealthcare does not appear in the CMS marketplace claim-denial file, which covers individual-market health issuers, common for auto, home and life carriers. For Medicare Advantage, 6.3% of prior-authorization requests were denied, with 72.0% overturned on appeal. The carrier reports activity across 1 line of business.
UnitedHealthcare 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 B-graded carriers in PlainInsurer's dataset include Travelers Insurance and Humana Health, and the closest overall composite score to UnitedHealthcare's 67.5 belongs to Blue Cross and Blue Shield of Nebraska (67.6), each rescaled across the measures that carrier reports.
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.
Other B-graded insurers
Carriers with the same peer-relative reputation grade
| Insurer | Grade |
|---|---|
| Travelers Insurance | B |
| Humana Health | B |
| John Hancock Life | B |
| Openly Insurance | B |
| State Farm Fire & Casualty | B |
Closest composite score to UnitedHealthcare
Carriers with the nearest overall composite score (67.5)
| Insurer | Composite score |
|---|---|
| Blue Cross and Blue Shield of Nebraska | 67.6 |
| AultCare Insurance Company | 68.1 |
| Regence BlueCross BlueShield of Utah | 66.5 |
| American Family Homeowners | 66.4 |
| CommunityCare HMO Inc. | 68.6 |
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 SourceSource: NAIC published complaint index data Complaint index, reputation grade for UnitedHealthcare · 2024
Share, download, and related pages for UnitedHealthcare
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.
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.