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
- 36%
- Top state denial (Alabama)
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
- 36%
- highest state denial (Alabama)
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.
Health insurers by denial rate
Which health plans deny the most marketplace claims (CMS data).
View ranking →Worst complaint records
Carriers with the highest complaint scores relative to size.
View ranking →Auto rates by state
Where auto insurance costs the most and least (NAIC).
View ranking →Highest composite complaint scores
Top 10 carriers, higher = more consumer friction for their size
- Imperial Insurance Com
Imperial Insurance Companies, Inc.: composite 98.9 (grade A)
98.9 composite score
- Avera Health Plans, In
Avera Health Plans, Inc.: composite 98.3 (grade A)
98.3 composite score
- PacificSource Health P
PacificSource Health Plans: composite 97.7 (grade A)
97.7 composite score
- Sanford Health Plan
Sanford Health Plan: composite 96.6 (grade A)
96.6 composite score
- HealthPartners Insuran
HealthPartners Insurance Company: composite 95.5 (grade A)
95.5 composite score
- Kaiser Foundation Heal
Kaiser Foundation Health Plan, Inc.: composite 94.9 (grade A)
94.9 composite score
- Priority Health
Priority Health: composite 94.4 (grade A)
94.4 composite score
- Quartz Health Benefit
Quartz Health Benefit Plans Corporation: composite 93.2 (grade A)
93.2 composite score
- Providence Health Plan
Providence Health Plan: composite 93.2 (grade A)
93.2 composite score
- Group Health Cooperati
Group Health Cooperative of South Central Wisconsin: composite 91.4 (grade A)
91.4 composite score
What this shows The composite blends NAIC complaint index, claim-denial rate and prior-authorization data, normalized by premium volume.
Lowest composite scores (best records)
Top 10 best-rated carriers
- AmeriHealth Caritas Fl 0
AmeriHealth Caritas Florida, Inc.: composite 0.0 (grade F)
0 composite score
- 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
- AmeriHealth Caritas VI
AmeriHealth Caritas VIP Next, Inc.: composite 1.1 (grade F)
1.1 composite score
- CareSource North Carol
CareSource North Carolina Co.: composite 2.3 (grade F)
2.3 composite score
What this shows Lower scores mean fewer consumer problems relative to size.
Highest state claim-denial rates
Top 10 states by marketplace claim-denial rate
- ALA
Alabama: 35.5% claims denied
35.5 % of claims denied
- ALA
Alaska: 27.0% claims denied
27 % of claims denied
- ARI
Arizona: 24.5% claims denied
24.5 % of claims denied
- IND
Indiana: 24.2% claims denied
24.2 % of claims denied
- OKL
Oklahoma: 23.8% claims denied
23.8 % of claims denied
- HAW
Hawaii: 23.8% claims denied
23.8 % of claims denied
- OHI
Ohio: 22.1% claims denied
22.1 % of claims denied
- TEN
Tennessee: 22.0% claims denied
22 % of claims denied
- FLO
Florida: 21.9% claims denied
21.9 % of claims denied
- TEX
Texas: 21.9% claims denied
21.9 % 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 PY2025, states with ≥100,000 claims)
| # | Insurer | Claim denial rate | Claims | Issuers |
|---|---|---|---|---|
| 1 | Alabama | 15.3M | 3 | |
| 2 | Alaska | 0.8M | 1 | |
| 3 | Arizona | 10.1M | 7 | |
| 4 | Indiana | 4.7M | 3 | |
| 5 | Oklahoma | 11.0M | 6 | |
| 6 | Hawaii | 0.7M | 2 | |
| 7 | Ohio | 13.6M | 11 | |
| 8 | Tennessee | 17.6M | 5 | |
| 9 | Florida | 114.1M | 13 | |
| 10 | Texas | 111.9M | 15 | |
| 11 | Illinois | 16.0M | 10 | |
| 12 | Iowa | 5.4M | 3 | |
| 13 | Utah | 9.0M | 5 | |
| 14 | South Carolina | 17.3M | 4 | |
| 15 | North Carolina | 35.6M | 9 |
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 PY2025. Rankings are relative across the insurer population. Not affiliated with NAIC or CMS.