States take firmer hand against health insurance denials

February 19, 2025

Nona Tepper  

Health insurance customers in more parts of the country have new advocates in their battles against claims denials: state governments.

States have long had regulatory authority over the individual and small-group health insurance markets, but a growing number of agencies is taking on a greater role assisting consumers as they transition out of a federal system and take matters into their own hands.

State officials see homegrown solutions as more effective at handling large numbers of complaints. Pennsylvania, for instance, established an independent external review board in 2024 while Arizona launched a program at the start of this year.

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