State profile · MO · CMS + NAIC
Insurance in Missouri
How health insurers handle claims in Missouri, and what drivers pay for auto cover — measured from CMS Transparency-in-Coverage and NAIC data.
- 15.1%
- Avg claims denied
- #25
- denial rank of 31
- $1155
- Avg auto / yr
- +24%
- Auto, 5-yr
- 9
- Insurers w/ data
The verdict
Marketplace insurers in Missouri deny 15.1% of claims — below the 21% national average, the 25th-highest of 31 states, and drivers pay an average $1155 a year for auto cover, about the $1191 national average.
- 15.1%
- avg claims denied
- #25
- of 31 states
- $1155
- avg auto / yr
- 35%
- 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 Missouri
Health insurers by share of marketplace claims denied (≥1,000 claims on file)
- UnitedHealthcare
UnitedHealthcare Insurance Company: 34.7% denied (200,129 of 576,018)
34.7 % of claims denied
- Oscar
Oscar Insurance Company: 26.7% denied (27,222 of 101,961)
26.7 % of claims denied
- Medica
Medica Insurance Company: 23.8% denied (106,035 of 446,137)
23.8 % of claims denied
- Blue Cross and Blue Shie
Blue Cross and Blue Shield of Kansas City: 21.9% denied (36,847 of 167,954)
21.9 % of claims denied
- Aetna Life
Aetna Life Insurance Company: 21.4% denied (160,256 of 747,709)
21.4 % of claims denied
- Medica Central
Medica Central Insurance Company: 17.6% denied (31,348 of 178,534)
17.6 % of claims denied
- Cox Health Systems
Cox Health Systems Insurance Company: 17.4% denied (1,291 of 7,417)
17.4 % of claims denied
- Celtic
Celtic Insurance Company: 14.0% denied (836,076 of 5,990,482)
14 % of claims denied
- Healthy Alliance Life Co 9.5
Healthy Alliance Life Co(Anthem BCBS): 9.5% denied (259,127 of 2,739,949)
9.5 % of claims denied
What this shows These carriers deny the largest share of marketplace claims filed in Missouri. Denial rates reflect plan design and network rules as much as carrier behaviour.
Health insurers in Missouri, by denial rate
9 insurers reporting marketplace claims in Missouri
| # | Insurer | Claim denial rate | Claims |
|---|---|---|---|
| 1 | UnitedHealthcare Insurance Company F | 576,018 | |
| 2 | Oscar Insurance Company D | 101,961 | |
| 3 | Medica Insurance Company D | 446,137 | |
| 4 | Blue Cross and Blue Shield of Kansas City D | 167,954 | |
| 5 | Aetna Life Insurance Company D | 747,709 | |
| 6 | Medica Central Insurance Company C | 178,534 | |
| 7 | Cox Health Systems Insurance Company C | 7,417 | |
| 8 | Celtic Insurance Company B | 5,990,482 | |
| 9 | Healthy Alliance Life Co(Anthem BCBS) A | 2,739,949 |
Auto insurance in Missouri
Auto premiums in Missouri are climbing
Average annual auto-insurance expenditure by year (NAIC)
- 2019
2019: $934 average expenditure
$934 avg expenditure
- 2020
2020: $909 average expenditure
$909 avg expenditure
- 2021
2021: $932 average expenditure
$932 avg expenditure
- 2022
2022: $1004 average expenditure
$1,004 avg expenditure
- 2023
2023: $1155 average expenditure
$1,155 avg expenditure
What this shows Missouri drivers' average auto cost rose 24% between 2019 and 2023.
What the data shows for Missouri
Missouri's marketplace insurers denied 15.1% of submitted claims in the CMS data, the 25th-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 Missouri pay an average $1155 a year — less than the $1191 national average — split across $614 liability, $400 collision and $308 comprehensive premiums. That figure has moved up 24% 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 Missouri 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 Missouri 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 Missouri'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.