Analysis 01 · Prior authorization · CY2025

About one in nine treatment requests was denied last year.

Before a health plan will cover certain treatments, a doctor has to get it approved first. That is prior authorization, and for the first time plans are now required to publish how often they say yes and how often they say no.

Project Crossfoot collects those filings — 658 of them, from 124 insurers across 48 states — and puts them in one place, where they add up to a 11.0% denial rate. Every figure came from the plan's own document, and every one has been checked against itself. Some of them do not add up.

658
filings
124
organizations
48
states
66.9M
standard requests
497
logged coverage gaps
01 · Findings

Standard denial rate by market

Volume-weighted across all filings that publish counts. Every rate is computed from extracted counts — never generated.

Volume-weighted, all markets
11.0%
66.9M standard requests across 658 filings from 124 organizations in 48 states.
658 rows JSON API · no key

Highest rates among plans with 1,000+ standard requests

02 · The shape of the data

Where plans land, and what happens after a denial

Three views of the same 529 filings that published usable counts. The distribution shows where the industry actually sits — most plans cluster low, and the long tail to the right is the story. The funnel shows what happens after "no": how few denials are ever appealed, and how often an appeal works. Every bar and every band opens the filings behind it.

Every plan's denial rate
filings per 2.5-point band · click a band for its filings
After a denial
the appeal funnel, summed over filings that report each stage
The ten organizations that processed the most requests
standard request volume · the orange marker is each organization's volume-weighted denial rate · click for the organization's filings
Humana 10.8M 6.8%
UnitedHealth Group 10.4M 12.8%
Centene 8.8M 12.2%
California DHCS 4.0M 28.9%
Inland Empire Health Plan 3.5M 1.2%
L.A. Care Health Plan 2.4M 1.8%
SCAN Health Plan 2.1M 1.8%
Wellcare 2.0M 16.2%
Healthfirst 1.8M 13.6%
Colorado HCPF 1.7M 22.3%
03 · By state

Where denials run highest

Volume-weighted denial rate across every filing that names a state. National and multi-state filings carry no state and are not on the map — this is the geography of what was published, not an estimate of what was not.

Alaska: 2.1%Alabama: 28.5%Arkansas: 19.1%Arizona: 17.6%California: 8.4%Colorado: 21.5%Connecticut: 4.8%District of Columbia: 17.8%Delaware: 18.4%Florida: 11.1%Georgia: 14.2%Hawaii: 5.9%Iowa: 12.9%Idaho: 0.7%Illinois: 16.6%Indiana: 7.0%Kansas: 12.6%Kentucky: 14.3%Louisiana: 14.8%Massachusetts: 11.0%Maryland: 10.6%Maine: 6.4%Michigan: 20.1%Minnesota: 33.0%Missouri: 19.6%Mississippi: 16.0%Montana: not publishedNorth Carolina: 11.0%North Dakota: 22.4%Nebraska: 14.9%New Hampshire: 16.8%New Jersey: 5.0%New Mexico: 8.1%Nevada: not publishedNew York: 13.3%Ohio: 16.9%Oklahoma: 19.0%Oregon: 11.6%Pennsylvania: 17.8%Rhode Island: 5.8%South Carolina: 21.3%South Dakota: 14.6%Tennessee: 14.7%Texas: 17.5%Utah: 2.8%Virginia: 18.2%Vermont: not publishedWashington: 9.7%Wisconsin: 8.2%West Virginia: 16.4%Wyoming: 4.1%
≤ 7.0%7.0% – 12.6%12.6% – 16.0%16.0% – 18.4%> 18.4%not published
04 · In this section

Four ways into the data

The full dataset serves as read-only JSON — the same numbers behind every chart on this page, no account, no key.