The public record of insurance denials
Original tabulations of what insurers report to CMS, what independent reviewers decided, and what state regulators publish. Every number carries its N and its source, every table downloads as CSV, and everything is free to reuse with attribution.
- Denial and Appeal Benchmark 2026
The three public records side by side: CMS issuer filings, California independent reviews, state external-review reports.
Read → - State denial rankings (2024 claims)
Every HealthCare.gov state ranked by the median issuer denial rate, with the pooled rate, appeals per 1,000 denials and overturn rate.
Read → - Which insurers' denial rates moved most
Year-over-year change for every issuer filing present in both CMS files, the biggest drops and the biggest rises.
Read → - The appeal participation gap
Appeals per 1,000 denials by insurer and state: where members almost never appeal, and where appeals almost always win.
Read → - What independent reviewers reverse
42,710 California IMR decisions: the treatments reviewers reverse most and least, the trend since 2015, and the age split.
Read → - The 2026 Insurance Denial Report
73,987 external-review outcomes by denial type.
Read → - External Review Index
State-by-state external-review reversal rates from regulators' reports, with data gaps shown as gaps.
Read →
Datasets
- Insurer denial rates, issuer-year CSV · dataset.json · methodology
- California IMR aggregates CSV · dataset.json · methodology
- External Review Index CSV
- Embed a stat card, the decoder or the deadline calculator
Press and researchers: press@apellica.com. Corrections: editorial@apellica.com. Apellica is an appeal-preparation service, not a law firm; these pages describe populations, not individual claims.