State profile · KS · CMS + NAIC
Insurance in Kansas
How health insurers handle claims in Kansas, and what drivers pay for auto cover — measured from CMS Transparency-in-Coverage and NAIC data.
- 16.6%
- Avg claims denied
- #21
- denial rank of 31
- $973
- Avg auto / yr
- +19%
- Auto, 5-yr
- 6
- Insurers w/ data
The verdict
Marketplace insurers in Kansas deny 16.6% of claims — below the 21% national average, the 21st-highest of 31 states, and drivers pay an average $973 a year for auto cover, less than the $1191 national average.
- 16.6%
- avg claims denied
- #21
- of 31 states
- $973
- avg auto / yr
- 44%
- highest (UnitedHealthcare I)
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 Kansas
Health insurers by share of marketplace claims denied (≥1,000 claims on file)
- UnitedHealthcare
UnitedHealthcare Insurance Company: 44.0% denied (181,789 of 413,551)
44 % of claims denied
- Medica
Medica Insurance Company: 25.1% denied (18,708 of 74,488)
25.1 % of claims denied
- Oscar
Oscar Insurance Company: 22.8% denied (9,514 of 41,772)
22.8 % of claims denied
- Blue Cross and Blue Shie
Blue Cross and Blue Shield of Kansas City: 22.1% denied (25,177 of 114,009)
22.1 % of claims denied
- Celtic 14.1
Celtic Insurance Company: 14.1% denied (551,534 of 3,898,158)
14.1 % of claims denied
- Blue Cross and Blue Shie 13.9
Blue Cross and Blue Shield of Kansas, Inc.: 13.9% denied (180,122 of 1,293,808)
13.9 % of claims denied
What this shows These carriers deny the largest share of marketplace claims filed in Kansas. Denial rates reflect plan design and network rules as much as carrier behaviour.
Health insurers in Kansas, by denial rate
6 insurers reporting marketplace claims in Kansas
| # | Insurer | Claim denial rate | Claims |
|---|---|---|---|
| 1 | UnitedHealthcare Insurance Company F | 413,551 | |
| 2 | Medica Insurance Company D | 74,488 | |
| 3 | Oscar Insurance Company D | 41,772 | |
| 4 | Blue Cross and Blue Shield of Kansas City D | 114,009 | |
| 5 | Celtic Insurance Company B | 3,898,158 | |
| 6 | Blue Cross and Blue Shield of Kansas, Inc. A | 1,293,808 |
Auto insurance in Kansas
Auto premiums in Kansas are climbing
Average annual auto-insurance expenditure by year (NAIC)
- 2019
2019: $818 average expenditure
$818 avg expenditure
- 2020
2020: $793 average expenditure
$793 avg expenditure
- 2021
2021: $816 average expenditure
$816 avg expenditure
- 2022
2022: $868 average expenditure
$868 avg expenditure
- 2023
2023: $973 average expenditure
$973 avg expenditure
What this shows Kansas drivers' average auto cost rose 19% between 2019 and 2023.
What the data shows for Kansas
Kansas's marketplace insurers denied 16.6% of submitted claims in the CMS data, the 21st-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 Kansas pay an average $973 a year — less than the $1191 national average — split across $483 liability, $349 collision and $349 comprehensive premiums. That figure has moved up 19% 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 Kansas 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 Kansas 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 Kansas'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.