Check how often your insurer denies claims

Every marketplace insurer reports its claims, denials and appeal outcomes to CMS. We visualized all of it.

18.6%

of in-network claims denied marketplace-wide (2024)

123

insurers with usable data

0.2%

of denied claims are ever appealed

~35%

of appeals succeed

What the data says

Marketplace insurers denied about 1 in 5 in-network claims in 2024.
Only ~0.2% of denied claims are appealed, yet roughly a third of appeals win.
Denial rates range from under 2% to over 40% between insurers.
Don't see your insurer? CMS's claims file covers HealthCare.gov states only. Every insurer, in every state, reports how much premium it actually spends on care.