ACA insurers ranked by claim denial rates

Insurers on the ACA marketplace denied around one in five in-network claims in 2023, according to a report from KFF published Jan. 27. 

Plans sold on the federal ACA marketplace are required to report transparency data, including claim denial rates. Plans on state marketplaces do not have the same requirements, according to KFF. 

In 2023, ACA insurers denied 19% of in-network claims. Denial rates were slightly higher in 2023 than in 2022, when ACA insurers denied 16% of claims. 

Among insurers with more than 5 million ACA claims in 2023, Blue Cross Blue Shield of Alabama had the highest denial rate, at 35%, according to KFF. 

Here are the insurers that received at least 5 million claims in 2023 with the highest denial rates: 

  1. Blue Cross Blue Shield of Alabama
    In-network denial rate: 35% 

  1. UnitedHealth Group
    In-network denial rate: 33% 

  1. Health Care Service Corp. (BCBS)
    In-network denial rate: 29% 

  1. Molina Healthcare
    In-network denial rate: 26% 

  1. Elevance Health
    In-network denial rate: 23%
     
  1. CVS Health/Aetna
    In-network denial rate: 22% 

  1. BlueCross BlueShield of Tennessee
    In-network denial rate: 21% 

  1. Cigna
    In-network denial rate: 21% 

  1. CareSource
    In-network denial rate: 21% 

  1. Baylor Scott & White Health Plan
    In-network denial rate: 19% 


Read the full report here. 

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