Missouri health insurers by reported claim denial rate
9 marketplace issuers in Missouri reported 1,360,265 denials on 10,208,984 in-network claims from 2023 (pooled rate 13.3%). The median rate among the 9 ranked issuers is 19.1%, against a national median of 18.3% across 32 HealthCare.gov states. Of 2,116 internal appeals filed, 41.2% were overturned.
All issuers reporting in Missouri, plan year 2025 file
| # | Issuer | Claims received | Denied | Denial rate | Appeals filed | Overturned |
|---|---|---|---|---|---|---|
| 1 | UnitedHealthcare Insurance Company | 468,826 | 124,591 | 26.6% | 589 | 29.9% |
| 2 | Oscar Insurance Company | 88,515 | 19,243 | 21.7% | 974 | 49.2% |
| 3 | Medica Insurance Company | 423,618 | 88,018 | 20.8% | 220 | 44.1% |
| 4 | Blue Cross and Blue Shield of Kansas City | 164,345 | 33,913 | 20.6% | 38 | n/a |
| 5 | Aetna Life Insurance Company | 694,487 | 132,463 | 19.1% | 71 | 43.7% |
| 6 | Medica Central Insurance Company | 164,918 | 26,150 | 15.9% | 39 | 38.5% |
| 7 | Cox Health Systems Insurance Company | 7,205 | 1,079 | 15.0% | n/a | n/a |
| 8 | Celtic Insurance Company | 5,605,715 | 749,839 | 13.4% | 0 | 0.0% |
| 9 | Healthy Alliance Life Co(Anthem BCBS) | 2,591,355 | 184,969 | 7.1% | 185 | 40.0% |
Sorted by reported in-network denial rate. Rank is shown only for issuers with at least 1,000 in-network claims received; smaller issuers are listed without a rank. Source: CMS Transparency in Coverage PUF.
- Reporting lag: the CMS public-use file for a plan year reports claims from two plan years earlier (the PY2025 file carries 2023 claims). These are not this year's figures.
- In-network only: the denial rate is in-network claims denied divided by in-network claims received. Out-of-network claims are shown separately where the issuer reported them.
- "Denied" is broad: CMS counts every denial, including administrative denials, duplicate submissions, ineligibility, incorrect billing and partial denials, not only medical-necessity decisions.
- Issuer level: CMS reports the counts once per issuer per state and repeats them on every plan row; plan-level counts, where present, list denials only, so no per-plan rate is computed.
- Coverage: only issuers on the federally facilitated marketplace (HealthCare.gov states) report to this file. Employer plans, Medicare and Medicaid are not included.
- No inference of intent: a higher rate can reflect the issuer's mix of claims, its billing rules or its membership as much as its coverage decisions. Compare with the state median and read the N.
Source: CMS Transparency in Coverage Public Use File (Health Insurance Exchange PUFs) · data dictionary.
Denied in Missouri? What to do
- Missouri appeal rights and regulator →
- Appeal deadline calculator →
- Have Apellica prepare the appeal ($0 upfront) →
Questions
Which Missouri marketplace insurer reported the highest claim denial rate?
Among issuers with at least 1,000 in-network claims, UnitedHealthcare Insurance Company reported the highest rate in the plan year 2025 file: 26.6% (124,591 of 468,826 claims from 2023). The Missouri median is 19.1%. A high rate can reflect claim mix and billing rules as much as coverage decisions.
Does a lower denial rate mean a better plan?
Not by itself. Rates include administrative denials and depend on the issuer's membership and claim mix. Use the rate alongside network, premium, formulary and the appeal overturn rate, and read the caveats.
Where does this data come from?
The CMS Transparency in Coverage public use file for plan year 2025, which reports each issuer's 2023 in-network claims received and denied, internal appeals and external reviews for plans sold on HealthCare.gov. Apellica removed stand-alone dental issuers and computed nothing beyond the reported counts.
How do I appeal a denial in Missouri?
File an internal appeal within the deadline on your letter (at least 180 days on marketplace plans), request the plan's criteria and claim file in writing, then use Missouri's external review if the plan upholds the denial. The regulator is Missouri Department of Commerce and Insurance.
Download the full table as CSV · methodology · CC BY 4.0.