Reputation grade
F
Peer-relative, A–F
Insurer profile · UnitedHealth Group · NAIC + CMS
UnitedHealthcare Insurance Company
UnitedHealthcare Insurance Company's complaint record, claim-denial rate and reputation grade, drawn from published NAIC complaint data and CMS Transparency in Coverage.
- F
- Reputation grade
- 27.2%
- Claims denied
- 5
- States (CMS data)
The verdict
UnitedHealthcare Insurance Company earns a F reputation grade - a significantly worse record than peers, according to CMS Transparency in Coverage filings, 27.2% of its marketplace claims were denied across 5 states.
- F
- reputation grade
- 27.2%
- claims denied (CMS)
NAIC complaint index
N/A
1.0 = market average; lower is better
Claim denial rate
27.2%
CMS, 5 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 →UnitedHealthcare Insurance Company - claim denial rate by state
- LA
LA: 35.4% denied (549,914 of 1,553,306 claims)
35 % of claims denied
- MO
MO: 30.7% denied (448,480 of 1,458,708 claims)
31 % of claims denied
- TN
TN: 26.7% denied (693,284 of 2,595,620 claims)
27 % of claims denied
- KS
KS: 26.0% denied (298,019 of 1,145,267 claims)
26 % of claims denied
- AL
AL: 25.2% denied (1,867,378 of 7,407,082 claims)
25 % of claims denied
What this shows Denial rates vary by state plan and network. Across 5 reporting states, UnitedHealthcare Insurance Company denied 27.2% of marketplace claims on average.
Among states with enough reported claims to compare, UnitedHealthcare Insurance Company's highest marketplace denial rates in this dataset are in Louisiana (35.4%), Missouri (30.7%), and Tennessee (26.7%). State-level rates reflect the specific plans UnitedHealthcare Insurance Company offers there and how each state's regulators and utilization-review rules apply, not necessarily the carrier's national practice.
CMS marketplace filing
Reported appeal outcomes for UnitedHealthcare Insurance Company
6,779
appeals filed
2,380
overturned (reported outcomes)
35.1%
of appeals with a reported outcome
The largest state samples are Alabama (2,741 filed, 1,054 overturned), Tennessee (1,483 filed, 470 overturned), and Missouri (1,119 filed, 386 overturned); 5 states contribute to the profile total.
CMS reports an overturn outcome for 6,779 of these 6,779 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 UnitedHealthcare Insurance Company
UnitedHealthcare Insurance Company, part of UnitedHealth Group, carries a F reputation grade in PlainInsurer's dataset, with a composite score of 18.9 (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 UnitedHealthcare Insurance Company denied 27.2% of marketplace claims across 5 reporting states - an elevated rate that warrants checking the plan's appeal-success record before enrolling.
See where UnitedHealthcare Insurance Company 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.
Other F-graded carriers in PlainInsurer's dataset include Kemper Auto and Root Insurance, and the closest overall composite score to UnitedHealthcare Insurance Company's 18.9 belongs to AvMed, Inc. (18.9), each rescaled across the measures that carrier reports.
UnitedHealthcare Insurance Company is part of the UnitedHealth Group family, alongside UnitedHealthcare, UnitedHealthcare of South Carolina, Inc., UnitedHealthcare of Ohio, Inc., UnitedHealthcare of Texas, 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 F-graded insurers
Carriers with the same peer-relative reputation grade
| Insurer | Grade |
|---|---|
| Kemper Auto | F |
| Root Insurance | F |
| Dairyland Insurance (Sentry) | F |
| Hippo Insurance | F |
| Esurance (Allstate) | F |
Closest composite score to UnitedHealthcare Insurance Company
Carriers with the nearest overall composite score (18.9)
| Insurer | Composite score |
|---|---|
| AvMed, Inc. | 18.9 |
| Harvard Pilgrim Health Care of NE | 18.4 |
| Summa Insurance Company, Inc. | 17.8 |
| UnitedHealthcare of Arizona, Inc. | 20.0 |
Questions about UnitedHealthcare Insurance Company
What does UnitedHealthcare Insurance Company's grade mean?
UnitedHealthcare Insurance Company received a grade of F, indicating a significantly worse record than peers.
How many complaints does UnitedHealthcare Insurance Company have?
NAIC's public bulk data does not include a complaint-volume estimate for UnitedHealthcare Insurance Company - 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 UnitedHealthcare Insurance Company?
File against UnitedHealthcare Insurance Company through your state's Department of Insurance or the NAIC consumer portal at naic.org.
Is UnitedHealthcare Insurance Company a good insurance company?
PlainInsurer's F grade for UnitedHealthcare Insurance Company reflects a significantly worse record than peers relative to peers on published complaint and denial data.
What types of insurance does UnitedHealthcare Insurance Company offer?
Detailed line-of-business data isn't currently available for UnitedHealthcare Insurance Company. 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 UnitedHealthcare Insurance Company · 2024
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Download the data behind this page
The full PlainInsurer extract, covering every insurer including UnitedHealthcare Insurance Company, 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.