Can I sue my health insurance company?

You CAN sue your health insurance company, but the rules depend on what kind of plan you have. Employer-sponsored ERISA plans are governed by federal court and ERISA §502 — limited remedies (typically just the cost of the denied service, plus attorney fees if you win). Individual + Marketplace plans + fully-insured employer plans may also be subject to state insurance bad-faith law, which CAN include punitive damages.

1. First — exhaust internal appeal AND external review (court won't hear you if you haven't); 2. Identify whether your plan is ERISA self-funded (federal court only) or fully insured / individual (state court available); 3. Calculate damages — for ERISA, usually just the cost of denied service + attorney fees; 4. Find an attorney who specialises in health insurance litigation (ERISA litigation is its own specialty); 5. Statute of limitations is usually 3 years from final denial, but plan documents may shorten this