Anthem (Elevance Health)

Anthem (Elevance Health) is notorious for systematically underpaying out-of-network claims using a database the New York Attorney General found artificially deflated reasonable charges by 40%. Its subsidiary plans have faced lawsuits in multiple states, drawing ire from emergency physicians for prior authorization requirements that block urgent care. This issue is more severe than the average insurer's, as Anthem's policies have resulted in hundreds of thousands of delayed treatments annually.