Most common reasons ACA plans deny claims

The reason for most in-network claim denials in ACA plans is not reported in price data, according to an analysis from Kaiser Family Foundation. 

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In the report, published Feb. 9, researchers analyzed transparency data for exchange plans offered on healthcare.gov. 

The most common listed reason claims were denied was the claim was for an excluded service. Of the 44.7 million in-network claim denials posted in 2021, 76.5 percent were for other reasons. 

Here’s what the data showed about the most common claim denials: 

Lack of prior authorization: 3.6 million, 8 percent

Excluded service: 6 million, 13.5 percent 

Medical necessity (behavioral health): 150,000, 0.3 percent

Medical necessity (all other): 770,000, 1.7 percent 

Other: 34.2 million, 76.5 percent 

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