UnitedHealthcare complaints
Across the state records we hold, UnitedHealthcare recorded 478 confirmed complaints against 7,458,728 policies in force — a complaint index of 4.78, or 4.8 times what its share of the market predicts.
Better than 6% of the 94 companies large enough to grade this period.
UnitedHealthcare writes through 22 separate licensed companies. Regulators file complaints against each one individually; the figures here combine them, because that is what a customer of UnitedHealthcare actually experiences. Every entity is listed at the bottom of this page.
By type of insurance
| Coverage | Grade | Complaint index | Complaints | Business written |
|---|---|---|---|---|
| Health insurance | F |
4.78
4.8× the market rate
raw 5.19
|
478 | 7,201,438 |
| Life & annuity | — |
0.98
about market average
raw 0.00
|
0 | 257,290 |
| All lines | F |
4.78
4.8× the market rate
raw 5.18
|
478 | 7,458,728 |
What people complain about UnitedHealthcare for
Reasons as recorded by the regulator on complaints it confirmed. A complaint is "confirmed" when the department found the company was at fault — not merely that someone was unhappy.
UnitedHealthcare state by state
Insurance is regulated state by state, and a company's record can differ sharply between them. Each grade below is relative to that state's own market.
| State | Grade | Complaint index | Complaints | Most common reason |
|---|---|---|---|---|
| Texas | F |
4.78
4.8× the market rate
raw 5.18
|
478 | Denial Of Claim |
How to file a complaint against UnitedHealthcare
Complaints are filed with your state department of insurance, not with us and not with the company. It is free, it is handled by a regulator with authority over the insurer's licence, and a complaint the department confirms is exactly what produces the numbers on this page next year.
Find your state's complaint form →Licensed companies included in these figures
Published so the grouping can be checked. NAIC codes are the identifiers regulators use, and are the basis on which these entities were matched.
Where these figures come from
- State insurance department filings. See data sources.
Figures cover 2023–2025. Grades are rebuilt when regulators publish new files.