The latest comparable Marketplace claims file currently available in the federal public-use data covers services from 2024. It tells you how often in-network claims were denied after care. It is not a 2025 or 2026 result.
The Denial Index · public records made usable
When an insurer says no, you deserve to see the pattern.
We collect the denial and appeal numbers insurers publish, explain what each number counts, and link it to the original record. Use the result as context for your own appeal — not as a decision about your case.
No insurer funding · source-linked numbers · personal letters stay on your device
Start with your question
What brings you here?
Choose a path. You do not need to understand insurance terminology first.
I was deniedUse your notice to find the deadline, organize an appeal, and check the next review.I want to check my insurerSee general denial and appeal patterns for the insurance market and year we can verify.I need the evidenceFollow the source, see what is missing, and use the organized record in reporting or oversight.
Look up an insurer
See what the public record says — and what it cannot say.
The lookup is general public information, not your private claim file. You may see how often an insurer refused to pay after care, how often it changed that decision after an appeal, and whether it published the counts people need to check the report. Each result names the market, year, measure, and source.
Before you search
You can look up an insurer without sharing your member ID. Start with the name printed on your insurance card or denial notice. We will tell you which insurance market and year the result covers before you read the number.
Current search: individual and family Marketplace claims after care, using the latest comparable federal file (2024). If you have Medicare Advantage, Medicaid, or employer coverage, use Insurer reports for the records we have — do not treat this search as your personal plan result.
Choose a state if you want a state-specific record. Some states use different public files; when the definition does not match, we show the source gap instead of inventing a rate.
Not sure which kind of insurance you have?See the four record types we keep separate →
The calendar matters
Why you keep seeing 2024 — and where 2025 and 2026 fit
Different records arrive on different schedules. We label the year of the activity, not just the year we found the file.
Insurers collected prior-authorization measures during 2025 and posted the first required reports by March 31, 2026. Those reports are newer, but they are self-reported and use different levels of detail. We show them as insurer reports, not as one blended ranking.
Insurers are collecting the next year of prior-authorization activity now. Under the annual schedule, those 2026 measures should be posted after the next reporting deadline. Until a file is public and checked, we will not label it as a 2026 result.
What the numbers mean for you
The useful question is what happened after the denial.
The numbers tell a story when you follow them from the first no to the appeal. Here is what the strongest public record can — and cannot — tell you.
Medicare Advantage: most people never got to the appeal.
In 2024, insurers made about 52.8 million prior-authorization decisions and denied 4.1 million — about 8 out of every 100 requests. Only 11.5% of those denials were appealed. When people did appeal, insurers reversed 80.7% of the decisions — about 8 out of 10.
Appeal it. In this record, insurers changed about 8 out of 10 denials after people challenged them. Your notice still controls your deadline, but the first no is not always the final answer.
Source · KFF analysis of CMS Medicare Advantage data (2024)
- Published
- Jan. 28, 2026
- Capture note
- Insurer-reported to CMS; unaudited.
- Public lineage
- Original source linked below. A public immutable archive and provenance ID are not yet published.
Marketplace claims: many noes, but no clean national appeal story yet.
In the 2024 HealthCare.gov Marketplace file, insurers handled about 451 million in-network claims and refused to pay about 85 million — roughly 19 out of every 100 claims. The national file does not give us a reliable, comparable count of how many people appealed or how many won.
For Marketplace claims, we can show how often insurers said no. We cannot promise a national appeal win rate until the public records include the missing counts — and we will not turn a gap into a guess.
Source · KFF analysis of the CMS Transparency in Coverage PUF (2024 plan year)
- Published
- Mar. 24, 2026
- Capture note
- HealthCare.gov states only; CMS does not audit insurer submissions.
- Public lineage
- Original source linked below. A public immutable archive and provenance ID are not yet published.
Why this matters now
When AI can say no in seconds, people need evidence to push back.
Insurance companies are bringing AI and automated rules into decisions that affect care and payment. That does not mean every computer-assisted decision is wrong. It does mean a denial can be issued at scale while challenging it still takes a person time, paperwork, and persistence. We put denial rates beside appeal outcomes and the public report itself so you can see where the balance of effort sits — and use the record when you push back.
Read the documented findings →Why this is not another appeal website
The four things we do with every number
This is not another generic appeal generator or a list of insurer opinions. It is a public record built from the insurers’ own disclosures and government files.
Find the original record
We search insurer and government websites, including state pages and files that are difficult to find. We keep the link, publication date, capture date, and search path with the result.
Translate different labels
One company may call a request standard, another routine, and another split it by contract. We map those labels to shared categories — what was requested, when the decision happened, which program it belongs to, and what happened after an appeal — while keeping the original wording visible.
Show the gaps instead of guessing
If a count is missing, a state uses a different definition, or a file cannot be preserved, we say so. A blank result means “not comparable or not collected here yet,” never “zero denials.”
From public record to personal action
Were you personally denied? Start with your notice.
Your denial notice has the reason, deadline, and address that control your appeal. Our free letter tool helps you organize those facts on your device. It does not send anything for you. The public record is optional context after you understand your own notice.
The Index can show a pattern. It cannot tell you whether your claim should have been paid, replace a lawyer or doctor, or know the deadline in your notice.
Read the limits →