Is your health plan's therapist list real?

Insurers must publish their provider directories. We read every file, every month, and grade every plan, county by county.

Directory Integrity Scores for every federal marketplace plan publish here on October 26, 2026, before open enrollment begins. Every insurer receives its complete findings at least 14 days before publication.

What will be here

• A grade for every marketplace plan's mental health provider list, in every county it covers: computed from the insurer's own federally required data file.
• A ZIP code lookup, so you can see every plan's grades where you live.
• The evidence behind every grade, downloadable, with the archived source file's fingerprint on every row.
• A plain-language guide to demanding care when a plan's list fails you.

The methodology is published now, before any finding, so the rules cannot be accused of following the results. Questions before launch: contact@ghostnetworkwatch.org.