Public reporting check · what insurers published and what they left out

The law says publish the numbers. Can people check them?

The first required reports covered 2025 activity and were due March 31, 2026. Each insurer posted its own report, so there is no central government copy. We checked ten large insurer organizations. This page measures whether the public report is complete and checkable — not whether the insurer denied more care or what happened in your case. Read CMS’s reporting requirements ↗

Important: this is a public-report check, not a legal finding that an insurer violated the rule. We test whether a patient, lawyer, or reporter can find, read, compare, and save what was posted.

What the reports should contain

For medical items and services in 2025: requests received, approvals, denials, what happened after appeals, and decision times. Drugs are outside this reporting rule. These are permission-before-care numbers, not your personal denial notice.

What we checked

We searched insurer websites, brand and state pages, PDFs, and browser-rendered pages. Then we checked whether a person could find the report, see the counts, understand its scope, read it, and save it.

Insurer	Public-record grade	What the insurer posted	What the report still leaves out	Original file
Cigna	0/5	One line of percentages. No counts to show how large the problem was.	Number of requests Number of denials Number of appeals Enough detail to check or compare	open payer source
CVS Health / Aetna	1/5	Percentages only; some figures are cut off.	The counts behind the percentages A complete table for every contract A data format that software can read	open payer source
Molina Healthcare	1/5	A public announcement; the actual tables require a login.	The tables themselves The counts behind the percentages A data format that software can read	search log on file
UnitedHealthcare	2/5	A summary is online, but detailed counts are hard to save or check.	Readable counts for each contract A headline rate that covers all relevant care A file that can be preserved	open payer source
Centene	2/5	Counts exist, but they are spread across many brand websites.	One place to search A data format that software can read	open payer source
Elevance Health	2/5	Files exist state by state, with no single place to search.	One place to find every state Counts in the files we located A data format that software can read	search log on file
Highmark	3/5	A complete report, but two contracts repeat the same table.	Separate, accurate tables for each contract A data format that software can read	open payer source
Humana	4/5	Complete counts and appeal results in downloadable reports.	A data format that software can read An easy-to-find directory	open payer source
BCBS Michigan	4/5	Complete counts, appeal results, and decision times on a public page.	A data format that software can read	open payer source
Kaiser Permanente	5/5	Complete reports with counts in PDF and a data format.	Nothing material found in this pilot	open payer source

Results checked through July 9, 2026. A low public-report result means missing or hard-to-check information, not worse care. Insurers can send evidence of a missed posting; verified corrections are recorded publicly. See the correction process →

How to use this page

Use the table to ask three practical questions: Did the insurer publish the required report? Can you see the counts behind its percentages? Can another person save and check the same file?

Use Insurer reports for the source and plain-language summary. Use How we check the numbers for definitions and limits.