State profile · MI · CMS + NAIC
Insurance in Michigan
How health insurers handle claims in Michigan, and what drivers pay for auto cover — measured from CMS Transparency-in-Coverage and NAIC data.
- 16.5%
- Avg claims denied
- #22
- denial rank of 31
- $1443
- Avg auto / yr
- +-4%
- Auto, 5-yr
- 9
- Insurers w/ data
The verdict
Marketplace insurers in Michigan deny 16.5% of claims — below the 21% national average, the 22nd-highest of 31 states, and drivers pay an average $1443 a year for auto cover, more than the $1191 national average.
- 16.5%
- avg claims denied
- #22
- of 31 states
- $1443
- avg auto / yr
- 46%
- highest (UnitedHealthcare C)
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 Michigan
Health insurers by share of marketplace claims denied (≥1,000 claims on file)
- UnitedHealthcare Communi
UnitedHealthcare Community Plan, Inc.: 45.5% denied (117,736 of 258,752)
45.5 % of claims denied
- Molina Healthcare of Mic
Molina Healthcare of Michigan, Inc.: 26.6% denied (145,834 of 549,211)
26.6 % of claims denied
- Oscar
Oscar Insurance Company: 24.4% denied (5,494 of 22,475)
24.4 % of claims denied
- University of Michigan H
University of Michigan Health Plan: 22.3% denied (97,366 of 437,113)
22.3 % of claims denied
- McLaren Health Plan Comm
McLaren Health Plan Community: 20.4% denied (30,611 of 150,359)
20.4 % of claims denied
- Blue Care Network of Mic
Blue Care Network of Michigan: 20.1% denied (630,261 of 3,140,919)
20.1 % of claims denied
- Meridian Health Plan of
Meridian Health Plan of Michigan, Inc.: 19.2% denied (277,117 of 1,441,713)
19.2 % of claims denied
- Blue Cross Blue Shield o 15.7
Blue Cross Blue Shield of Michigan Mutual Insurance Company: 15.7% denied (265,328 of 1,688,728)
15.7 % of claims denied
- Priority Health 7.7
Priority Health: 7.7% denied (265,437 of 3,452,192)
7.7 % of claims denied
What this shows These carriers deny the largest share of marketplace claims filed in Michigan. Denial rates reflect plan design and network rules as much as carrier behaviour.
Health insurers in Michigan, by denial rate
9 insurers reporting marketplace claims in Michigan
| # | Insurer | Claim denial rate | Claims |
|---|---|---|---|
| 1 | UnitedHealthcare Community Plan, Inc. F | 258,752 | |
| 2 | Molina Healthcare of Michigan, Inc. D | 549,211 | |
| 3 | Oscar Insurance Company D | 22,475 | |
| 4 | University of Michigan Health Plan D | 437,113 | |
| 5 | McLaren Health Plan Community C | 150,359 | |
| 6 | Blue Care Network of Michigan C | 3,140,919 | |
| 7 | Meridian Health Plan of Michigan, Inc. C | 1,441,713 | |
| 8 | Blue Cross Blue Shield of Michigan Mutual Insurance Company B | 1,688,728 | |
| 9 | Priority Health A | 3,452,192 |
Auto insurance in Michigan
Auto premiums in Michigan are climbing
Average annual auto-insurance expenditure by year (NAIC)
- 2019
2019: $1499 average expenditure
$1,499 avg expenditure
- 2020
2020: $1421 average expenditure
$1,421 avg expenditure
- 2021
2021: $1342 average expenditure
$1,342 avg expenditure
- 2022
2022: $1340 average expenditure
$1,340 avg expenditure
- 2023
2023: $1443 average expenditure
$1,443 avg expenditure
What this shows Michigan drivers' average auto cost fell 4% between 2019 and 2023.
What the data shows for Michigan
Michigan's marketplace insurers denied 16.5% of submitted claims in the CMS data, the 22nd-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 Michigan pay an average $1443 a year — more than the $1191 national average — split across $765 liability, $570 collision and $237 comprehensive premiums. That figure has moved down 4% 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 Michigan 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 Michigan 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 Michigan'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.