State profile · OH · CMS + NAIC
Insurance in Ohio
How health insurers handle claims in Ohio, and what drivers pay for auto cover — measured from CMS Transparency-in-Coverage and NAIC data.
- 22.1%
- Avg claims denied
- #7
- denial rank of 31
- $947
- Avg auto / yr
- +18%
- Auto, 5-yr
- 11
- Insurers w/ data
The verdict
Marketplace insurers in Ohio deny 22.1% of claims — near the 21% national average, the 7th-highest of 31 states, and drivers pay an average $947 a year for auto cover, less than the $1191 national average.
- 22.1%
- avg claims denied
- #7
- of 31 states
- $947
- 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 Ohio
Health insurers by share of marketplace claims denied (≥1,000 claims on file)
- UnitedHealthcare of Ohio
UnitedHealthcare of Ohio, Inc.: 43.5% denied (194,892 of 448,360)
43.5 % of claims denied
- Summa Insurance Company
Summa Insurance Company, Inc.: 27.5% denied (68,297 of 248,503)
27.5 % of claims denied
- Molina Healthcare of Ohi
Molina Healthcare of Ohio, Inc.: 25.5% denied (336,087 of 1,318,297)
25.5 % of claims denied
- CareSource Ohio
CareSource Ohio, Inc.: 25.2% denied (575,118 of 2,277,706)
25.2 % of claims denied
- Community Insurance Comp
Community Insurance Company(Anthem BCBS): 25.2% denied (896,557 of 3,557,782)
25.2 % of claims denied
- Oscar Buckeye State Insu
Oscar Buckeye State Insurance Corp.: 22.8% denied (34,146 of 149,887)
22.8 % of claims denied
- AultCare
AultCare Insurance Company: 20.4% denied (57,399 of 281,939)
20.4 % of claims denied
- Paramount 17
Paramount Insurance Company: 17.0% denied (25,673 of 151,062)
17 % of claims denied
- Medical Health Insuring 16.6
Medical Health Insuring Corp. of Ohio: 16.6% denied (300,554 of 1,808,068)
16.6 % of claims denied
- Buckeye Community Health 15.7
Buckeye Community Health Plan: 15.7% denied (509,038 of 3,247,612)
15.7 % of claims denied
What this shows These carriers deny the largest share of marketplace claims filed in Ohio. Denial rates reflect plan design and network rules as much as carrier behaviour.
Health insurers in Ohio, by denial rate
11 insurers reporting marketplace claims in Ohio
| # | Insurer | Claim denial rate | Claims |
|---|---|---|---|
| 1 | UnitedHealthcare of Ohio, Inc. F | 448,360 | |
| 2 | Summa Insurance Company, Inc. D | 248,503 | |
| 3 | Molina Healthcare of Ohio, Inc. D | 1,318,297 | |
| 4 | CareSource Ohio, Inc. D | 2,277,706 | |
| 5 | Community Insurance Company(Anthem BCBS) D | 3,557,782 | |
| 6 | Oscar Buckeye State Insurance Corp. D | 149,887 | |
| 7 | AultCare Insurance Company B | 281,939 | |
| 8 | Paramount Insurance Company B | 151,062 | |
| 9 | Medical Health Insuring Corp. of Ohio B | 1,808,068 | |
| 10 | Buckeye Community Health Plan B | 3,247,612 | |
| 11 | Oscar Insurance Corporation of Ohio A | 158,204 |
Auto insurance in Ohio
Auto premiums in Ohio are climbing
Average annual auto-insurance expenditure by year (NAIC)
- 2019
2019: $806 average expenditure
$806 avg expenditure
- 2020
2020: $787 average expenditure
$787 avg expenditure
- 2021
2021: $780 average expenditure
$780 avg expenditure
- 2022
2022: $835 average expenditure
$835 avg expenditure
- 2023
2023: $947 average expenditure
$947 avg expenditure
What this shows Ohio drivers' average auto cost rose 17% between 2019 and 2023.
What the data shows for Ohio
Ohio's marketplace insurers denied 22.1% of submitted claims in the CMS data, the 7th-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 Ohio pay an average $947 a year — less than the $1191 national average — split across $485 liability, $363 collision and $189 comprehensive premiums. That figure has moved up 17% 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 Ohio 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 Ohio 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 Ohio'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.