Rankings · NAIC + CMS
Insurance company rankings
Best and worst U.S. insurers by complaint record and claim-denial rate, plus state-level rankings, all from public NAIC and CMS data.
- 30
- Carriers ranked
- 32%
- Top state denial (Alaska)
Where to start
Three lenses on insurer accountability: which carriers draw the most complaints for their size, which health plans deny the most claims, and how costs and denials vary state by state.
- 20
- worst-rated listed
- 10
- best-rated listed
- 32%
- highest state denial (Alaska)
Rankings are peer-relative within our dataset; denial rates are measured directly from CMS marketplace filings. A high ranking is a signal to investigate, not a legal judgment. Data as of August 2026.
Health insurers by denial rate
Which health plans deny the most marketplace claims (CMS data).
View ranking →Worst complaint records
Carriers with the lowest composite scores (worst records) relative to size.
View ranking →Auto rates by state
Where auto insurance costs the most and least (NAIC).
View ranking →Lowest composite scores (most consumer friction)
Bottom 10 carriers, lower score = more consumer friction for their size
- Heritage Property & Ca 0
Heritage Property & Casualty: composite 0.0 (grade F)
0 composite score
- Universal Property & C 0
Universal Property & Casualty: composite 0.0 (grade F)
0 composite score
- Gainsco Insurance 0
Gainsco Insurance: composite 0.0 (grade F)
0 composite score
- Root Insurance 0
Root Insurance: composite 0.0 (grade F)
0 composite score
- Direct General (Allsta 0
Direct General (Allstate): composite 0.0 (grade F)
0 composite score
- Infinity P&C (Kemper) 0
Infinity P&C (Kemper): composite 0.0 (grade F)
0 composite score
- SafeAuto (Kemper) 0
SafeAuto (Kemper): composite 0.0 (grade F)
0 composite score
- UnitedHealthcare of Il 1
UnitedHealthcare of Illinois, Inc.: composite 0.5 (grade F)
1 composite score
- Imperial Health Plan o
Imperial Health Plan of the Southwest, Inc.: composite 1.1 (grade F)
1 composite score
- Imperial Insurance Com
Imperial Insurance Companies, Inc.: composite 2.2 (grade F)
2 composite score
What this shows The composite blends NAIC complaint index, claim-denial rate and prior-authorization data, normalized by premium volume; a lower score means more relative friction.
Highest composite scores (best records)
Top 10 best-rated carriers
- Avera Health Plans, In
Avera Health Plans, Inc.: composite 99.5 (grade A)
100 composite score
- Sanford Health Plan
Sanford Health Plan: composite 98.9 (grade A)
99 composite score
- HealthPartners Insuran
HealthPartners Insurance Company: composite 97.8 (grade A)
98 composite score
- Kaiser Foundation Heal
Kaiser Foundation Health Plan, Inc.: composite 96.8 (grade A)
97 composite score
- Quartz Health Benefit
Quartz Health Benefit Plans Corporation: composite 95.7 (grade A)
96 composite score
- Matthew Thornton Hlth
Matthew Thornton Hlth Plan(Anthem BCBS): composite 95.7 (grade A)
96 composite score
- Providence Health Plan
Providence Health Plan: composite 95.1 (grade A)
95 composite score
- Priority Health
Priority Health: composite 94.1 (grade A)
94 composite score
- Kaiser Foundation Heal
Kaiser Foundation Healthplan of the NW: composite 93.5 (grade A)
94 composite score
- Capital Health Plan
Capital Health Plan: composite 92.6 (grade A)
93 composite score
What this shows Higher scores mean fewer consumer problems relative to size.
Highest state claim-denial rates
Top 10 states by marketplace claim-denial rate
- ALA
Alaska: 32.0% claims denied
32 % of claims denied
- HAW
Hawaii: 27.0% claims denied
27 % of claims denied
- WES
West Virginia: 23.3% claims denied
23 % of claims denied
- ARI
Arizona: 23.2% claims denied
23 % of claims denied
- TEN
Tennessee: 22.8% claims denied
23 % of claims denied
- FLO
Florida: 22.7% claims denied
23 % of claims denied
- IOW
Iowa: 22.4% claims denied
22 % of claims denied
- IND
Indiana: 22.3% claims denied
22 % of claims denied
- ALA
Alabama: 22.1% claims denied
22 % of claims denied
- OHI
Ohio: 22.0% claims denied
22 % of claims denied
What this shows Aggregate marketplace denial rates from CMS filings; states with their own exchanges are excluded.
Worst-rated insurers
Best-rated insurers
States by claim denial rate
States ranked by aggregate marketplace claim-denial rate (CMS TiC PY2026, states with ≥100,000 claims)
| # | State | Claim denial rate | Claims | Issuers |
|---|---|---|---|---|
| 1 | Alaska | 1.0M | 2 | |
| 2 | Hawaii | 0.7M | 2 | |
| 3 | West Virginia | 3.3M | 2 | |
| 4 | Arizona | 8.8M | 6 | |
| 5 | Tennessee | 25.9M | 5 | |
| 6 | Florida | 86.0M | 11 | |
| 7 | Iowa | 5.2M | 3 | |
| 8 | Indiana | 7.7M | 3 | |
| 9 | Alabama | 20.5M | 3 | |
| 10 | Ohio | 18.7M | 10 | |
| 11 | Nebraska | 2.0M | 3 | |
| 12 | North Carolina | 25.8M | 7 | |
| 13 | Kansas | 7.0M | 6 | |
| 14 | Delaware | 2.3M | 3 | |
| 15 | Texas | 136.4M | 14 |
Use the rankings
Rankings are a starting point, drill into a carrier or state before you decide.
- Open any carrier's profile for its per-line and per-state detail. Browse insurers
- See the insurers and denial rates in your own state. Browse by state
- Compare two carriers side by side. Compare
Rankings reflect complaint and denial data, not financial strength or legal status. Informational only.
Data: NAIC published complaint index (2024) · CMS Transparency in Coverage PY2026. Rankings are relative across the insurer population. Not affiliated with NAIC or CMS.
Download ranking source extracts: complaint-index.csv and marketplace-denial-rates.csv.