Methodology

• Source: CMS Transparency in Coverage public use files, PY2023-PY2026 (claims years 2021-2024), downloaded from data.healthcare.gov.
• Scope: individual-marketplace QHPs on HealthCare.gov states. State-based marketplaces do not report to this file.
• Denial rate = denied in-network claims / received in-network claims, at issuer level. Insurers under 1,000 claims are excluded from rankings.
• Values suppressed by CMS (*, **) are treated as missing, never zero.
• Denial reasons are plan-level reports; CMS does not link reasons to total claims, so reason shares are of reported reasons.
• Premium and deductible pages: CMS QHP Landscape files PY2025 and PY2026. Figures are simple averages across plans of the Adult Individual Age 27 premium (the CMS benchmark age), not enrollment-weighted. HealthCare.gov states only; state-based marketplaces do not report to this file.
• Subsidy estimator: 2026 Applicable Percentage Table from IRS Rev. Proc. 2025-25 (2.10% to 9.96%, linearly interpolated within bands per 26 CFR 1.36B-3(g); the enhanced subsidies expired after 2025, so the 400% FPL cliff applies again). 2026 eligibility uses the 2025 HHS poverty guidelines ($15,650 single, $32,150 family of four; Alaska and Hawaii variants). The benchmark premium is approximated with the state's median silver plan premium at your age from the PY2026 Landscape file; the actual benchmark (second-lowest-cost silver plan) is county and rating-area specific. Income is assumed from the selected bracket midpoint; the real credit uses MAGI and is settled on your tax return.
• All rates on this site are computed in your browser from the raw reported counts.