Part of Teaching an AI Agent to Make Beautiful Charts Health insurers turn down a lot of claims, and they do not all turn them down at the same rate. In 2024, the largest plans sold on the Affordable Care Act marketplace denied anywhere from 13% to 35% of the in-network claims their members filed. Whether your claim got paid depended a lot on whose name was on your card. Claim denials are back in the national conversation. Luigi Mangione, charged in the December 2024 killing of UnitedHealthcare.