State profile · FL · CMS + NAIC
Insurance in Florida
How health insurers handle claims in Florida, and what drivers pay for auto cover — measured from CMS Transparency-in-Coverage and NAIC data.
- 21.9%
- Avg claims denied
- #9
- denial rank of 31
- $1864
- Avg auto / yr
- +25%
- Auto, 5-yr
- 13
- Insurers w/ data
The verdict
Marketplace insurers in Florida deny 21.9% of claims — near the 21% national average, the 9th-highest of 31 states, and drivers pay an average $1864 a year for auto cover, more than the $1191 national average.
- 21.9%
- avg claims denied
- #9
- of 31 states
- $1864
- avg auto / yr
- 64%
- highest (AmeriHealth Carita)
Denial rates are aggregate marketplace figures from CMS filings; auto figures are NAIC average expenditures. State regulation, risk pool and plan design all shape these numbers.
Highest claim-denial rates in Florida
Health insurers by share of marketplace claims denied (≥1,000 claims on file)
- AmeriHealth Caritas Flor
AmeriHealth Caritas Florida, Inc.: 63.8% denied (23,787 of 37,309)
63.8 % of claims denied
- UnitedHealthcare of Flor
UnitedHealthcare of Florida, Inc.: 38.2% denied (1,061,296 of 2,780,791)
38.2 % of claims denied
- Molina Healthcare of Flo
Molina Healthcare of Florida, Inc: 33.7% denied (278,965 of 827,742)
33.7 % of claims denied
- AvMed
AvMed, Inc.: 33.0% denied (176,458 of 534,944)
33 % of claims denied
- Health Options 25.1
Health Options, Inc.: 25.1% denied (9,966,941 of 39,667,813)
25.1 % of claims denied
- Cigna Health and Life 23.2
Cigna Health and Life Insurance Company: 23.2% denied (1,131,964 of 4,874,686)
23.2 % of claims denied
- Aetna Health Inc. (a FL 23
Aetna Health Inc. (a FL corp.): 23.0% denied (2,857,475 of 12,417,857)
23 % of claims denied
- Health First Commercial 21.2
Health First Commercial Plans, Inc.: 21.2% denied (405,474 of 1,915,011)
21.2 % of claims denied
- Oscar Insurance Company 18.9
Oscar Insurance Company of Florida: 18.9% denied (3,397,708 of 17,953,021)
18.9 % of claims denied
- Blue Cross and Blue Shie 18.1
Blue Cross and Blue Shield of Florida: 18.1% denied (3,982,352 of 22,059,464)
18.1 % of claims denied
What this shows These carriers deny the largest share of marketplace claims filed in Florida. Denial rates reflect plan design and network rules as much as carrier behaviour.
Health insurers in Florida, by denial rate
13 insurers reporting marketplace claims in Florida
| # | Insurer | Claim denial rate | Claims |
|---|---|---|---|
| 1 | AmeriHealth Caritas Florida, Inc. F | 37,309 | |
| 2 | UnitedHealthcare of Florida, Inc. F | 2,780,791 | |
| 3 | Molina Healthcare of Florida, Inc F | 827,742 | |
| 4 | AvMed, Inc. F | 534,944 | |
| 5 | Health Options, Inc. D | 39,667,813 | |
| 6 | Cigna Health and Life Insurance Company D | 4,874,686 | |
| 7 | Aetna Health Inc. (a FL corp.) D | 12,417,857 | |
| 8 | Health First Commercial Plans, Inc. C | 1,915,011 | |
| 9 | Oscar Insurance Company of Florida C | 17,953,021 | |
| 10 | Blue Cross and Blue Shield of Florida C | 22,059,464 | |
| 11 | Florida Health Care Plan, Inc. B | 2,991,430 | |
| 12 | Sunshine State Health Plan B | 7,601,357 | |
| 13 | Capital Health Plan A | 432,509 |
Auto insurance in Florida
Auto premiums in Florida are climbing
Average annual auto-insurance expenditure by year (NAIC)
- 2019
2019: $1489 average expenditure
$1,489 avg expenditure
- 2020
2020: $1389 average expenditure
$1,389 avg expenditure
- 2021
2021: $1424 average expenditure
$1,424 avg expenditure
- 2022
2022: $1568 average expenditure
$1,568 avg expenditure
- 2023
2023: $1864 average expenditure
$1,864 avg expenditure
What this shows Florida drivers' average auto cost rose 25% between 2019 and 2023.
What the data shows for Florida
Florida's marketplace insurers denied 21.9% of submitted claims in the CMS data, the 9th-highest rate of the 31 states with federal marketplace filings. Denial rates this far above the 21% national average usually reflect the state's mix of plan types and risk pool rather than any single carrier — Medicaid managed-care and narrow-network plans route more claims through utilization review.
On the auto side, drivers in Florida pay an average $1864 a year — more than the $1191 national average — split across $1294 liability, $469 collision and $230 comprehensive premiums. That figure has moved up 25% since 2019, tracking the national surge in repair and medical-claim costs.
Because rate regulation, licensing and guaranty-fund coverage are set state by state, an insurer's record in Florida can differ from its national average — which is why the state view matters for local consumers. Source: CMS Transparency in Coverage PUF PY2025, cms.gov. Source: NAIC 2023 Auto Insurance Database; state commissioner registry, NAIC member directory.
For Florida residents
Use the state view before you buy or appeal a denial here.
- Check a specific carrier's full national and per-state record. Browse insurers
- Compare Florida's auto costs against the rest of the country. Auto rankings
- Denied a claim in this state? Walk through the appeal process. Appeal a denial
Verify coverage availability and terms directly with any insurer or a licensed agent. Informational only — not insurance advice.
Data: CMS Transparency in Coverage PUF PY2025 (per-state claim denials) · NAIC 2023 Auto Insurance Database. State commissioner links from the NAIC member directory. Not affiliated with NAIC or CMS. Read our methodology.