State profile · IL · CMS + NAIC
Insurance in Illinois
How health insurers handle claims in Illinois, and what drivers pay for auto cover — measured from CMS Transparency-in-Coverage and NAIC data.
- 20.5%
- Avg claims denied
- #11
- denial rank of 31
- $1153
- Avg auto / yr
- +23%
- Auto, 5-yr
- 10
- Insurers w/ data
The verdict
Marketplace insurers in Illinois deny 20.5% of claims — near the 21% national average, the 11th-highest of 31 states, and drivers pay an average $1153 a year for auto cover, about the $1191 national average.
- 20.5%
- avg claims denied
- #11
- of 31 states
- $1153
- avg auto / yr
- 43%
- highest (UnitedHealthcare o)
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 Illinois
Health insurers by share of marketplace claims denied (≥1,000 claims on file)
- UnitedHealthcare of Illi
UnitedHealthcare of Illinois, Inc.: 43.1% denied (249,677 of 579,960)
43.1 % of claims denied
- Molina Healthcare of Ill
Molina Healthcare of Illinois, Inc.: 36.0% denied (36,626 of 101,667)
36 % of claims denied
- Cigna HealthCare of Illi
Cigna HealthCare of Illinois, Inc.: 30.6% denied (114,129 of 372,988)
30.6 % of claims denied
- Oscar Health Plan
Oscar Health Plan, Inc.: 29.5% denied (17,656 of 59,836)
29.5 % of claims denied
- Aetna Health Inc. (a PA
Aetna Health Inc. (a PA corp.): 24.4% denied (45,153 of 185,335)
24.4 % of claims denied
- Blue Cross Blue Shield o
Blue Cross Blue Shield of Illinois: 21.1% denied (2,314,981 of 10,958,266)
21.1 % of claims denied
- Celtic 14.6
Celtic Insurance Company: 14.6% denied (299,109 of 2,044,088)
14.6 % of claims denied
- Health Alliance Medical 12.3
Health Alliance Medical Plans, Inc.: 12.3% denied (189,595 of 1,541,297)
12.3 % of claims denied
- MercyCare HMO 12.3
MercyCare HMO, Inc.: 12.3% denied (8,576 of 69,923)
12.3 % of claims denied
- Quartz Health Benefit Pl 7.8
Quartz Health Benefit Plans Corporation: 7.8% denied (5,684 of 72,879)
7.8 % of claims denied
What this shows These carriers deny the largest share of marketplace claims filed in Illinois. Denial rates reflect plan design and network rules as much as carrier behaviour.
Health insurers in Illinois, by denial rate
10 insurers reporting marketplace claims in Illinois
| # | Insurer | Claim denial rate | Claims |
|---|---|---|---|
| 1 | UnitedHealthcare of Illinois, Inc. F | 579,960 | |
| 2 | Molina Healthcare of Illinois, Inc. F | 101,667 | |
| 3 | Cigna HealthCare of Illinois, Inc. F | 372,988 | |
| 4 | Oscar Health Plan, Inc. D | 59,836 | |
| 5 | Aetna Health Inc. (a PA corp.) D | 185,335 | |
| 6 | Blue Cross Blue Shield of Illinois C | 10,958,266 | |
| 7 | Celtic Insurance Company B | 2,044,088 | |
| 8 | Health Alliance Medical Plans, Inc. A | 1,541,297 | |
| 9 | MercyCare HMO, Inc. A | 69,923 | |
| 10 | Quartz Health Benefit Plans Corporation A | 72,879 |
Auto insurance in Illinois
Auto premiums in Illinois are climbing
Average annual auto-insurance expenditure by year (NAIC)
- 2019
2019: $941 average expenditure
$941 avg expenditure
- 2020
2020: $916 average expenditure
$916 avg expenditure
- 2021
2021: $919 average expenditure
$919 avg expenditure
- 2022
2022: $994 average expenditure
$994 avg expenditure
- 2023
2023: $1153 average expenditure
$1,153 avg expenditure
What this shows Illinois drivers' average auto cost rose 23% between 2019 and 2023.
What the data shows for Illinois
Illinois's marketplace insurers denied 20.5% of submitted claims in the CMS data, the 11th-highest rate of the 31 states with federal marketplace filings. Denial rates this far below 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 Illinois pay an average $1153 a year — less than the $1191 national average — split across $598 liability, $440 collision and $219 comprehensive premiums. That figure has moved up 23% 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 Illinois 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 Illinois 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 Illinois'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.