New York

Regulator: New York Department of Financial Services (DFS)
External review: State-run. Request it through the regulator after the plan's final internal denial; the federal floor is 4 months (45 CFR 147.136).
Published reversal rate: Not published by the regulator · source
Notes: NY DFS publishes the most extensive external-appeal database in the US (searchable: https://www.dfs.ny.gov/public-appeal/search). Aggregate 2024 counts referenced in DFS 2024 Annual Report; specific tables not extracted from binary PDF in our pipeline. Independent dashboard at https://appeal-explorer.persius.org

Before external review

File the plan's internal appeal first (at least 180 days for ACA-compliant plans; the letter states the date). Ask for the claim file and the criteria the plan applied; both are free on request. Self-funded employer plans use the federal external review and the U.S. Department of Labor, not the state.

More on New York: state appeal rights · External Review Index entry · insurer denial rates (HealthCare.gov states).

Verified 2026-09-15. The regulator's site and your denial notice control.