Skip to main content

An official website of the United States government

Here's how you know

Appealing a health plan decision

How to appeal an insurance company decision

If your health insurer refuses to pay a claim or ends your coverage, you have the right to appeal the company's decision and have it reviewed by a third party.
You can ask that your insurance company reconsider its decision. Insurers have to tell you why they’ve denied your claim or ended your coverage. And they have to let you know how you can dispute their decisions.

Your right to appeal

There are 2 ways to appeal a health plan decision:
  • Internal appeal: If your claim is denied or your health insurance coverage canceled, you have the right to an internal appeal. You may ask your insurance company to conduct a full and fair review of its decision. If the case is urgent, your insurance company must speed up this process.
  • External review: You have the right to take your appeal to an independent third party for review. This is called an external review. External review means that the insurance company no longer gets the final say over whether to pay a claim.
Notice:
Do you want to appeal something else? 
You can appeal Marketplace decisions, like you aren't eligible to enroll in a Marketplace plan or don't qualify for premium tax credits or other cost savings. Get details on what Marketplace decisions you can appeal.
Back to top