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2016 Accident and Health Policy Experience Report July 2017

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2016 Accident and Health Policy Experience Report

July 2017

The NAIC is the authoritative source for insurance industry information. Our expert solutions support the efforts of regulators, insurers and researchers by providing detailed and comprehensive insurance information. The NAIC offers a wide range of publications in the following categories:

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ISBN: 978-1-59917-971-1

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2016 Accident and Health Policy Experience Report

TABLE OF CONTENTS

INTRODUCTION..........................................................................................................................1

Report Format ..................................................................................................................................1 Aggregation and Calculation of Data ..............................................................................................3 Definitions........................................................................................................................................3 Qualifications ...................................................................................................................................4 Accident and Health Policy Experience 2012-2016 ........................................................................5 Figure 1: Grand Total of Number of Policies or Certificates 2012-2016 ........................................7 Figure 2: Grand Total of Number of Covered Lives 2012-2016 .....................................................9

AGGREGATED ANNUAL STATEMENT DATA ..................................................................11

Annual Statement Data for All Statement Types ...........................................................................13 Annual Statement Data by Statement Type ...................................................................................17

INDIVIDUAL BUSINESS...........................................................................................................35

Market Share for the Top 125 Insurers ..........................................................................................37 Top 25 Groups by Company ..........................................................................................................43 Market Share by Statement Type...................................................................................................59 Market Share by Line of Business .................................................................................................73

GROUP BUSINESS...................................................................................................................129

Market Share for the Top 125 Insurers ........................................................................................131 Top 25 Groups by Company ........................................................................................................137 Market Share by Statement Type.................................................................................................151 Market Share by Line of Business ...............................................................................................165

OTHER BUSINESS ...................................................................................................................227

Market Share for the Top 125 Insurers ........................................................................................229 Top 25 Groups by Company ........................................................................................................235 Market Share by Statement Type .................................................................................................243 Market Share by Line of Business ...............................................................................................253

GRAND TOTAL (INDIVIDUAL, GROUP, AND OTHER) BUSINESS .............................261

Market Share for the Top 125 Insurers ........................................................................................263 Top 25 Groups by Company ........................................................................................................269 Market Share by Statement Type .................................................................................................287

TECHNICAL NOTES ...............................................................................................................301

COMPANY INDEX ...................................................................................................................305

© 2017 National Association of Insurance Commissioners

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© 2017 National Association of Insurance Commissioners

2016 Accident and Health Policy Experience Report

INTRODUCTION

The Accident and Health Policy Experience Report was originally created in 2010 using 2009 data, with the intention of meeting the growing demand for information on health insurance. The Accident and Health Policy Experience Report includes aggregated data from the Accident and Health Policy Experience Exhibit, market share data based on this exhibit, and more.

The health insurance market is expansive, with a variety of different types of health insurers. Employer-provided health insurance that is self-insured may be regulated by the federal government. Not all health insurers are required to file with the state insurance departments. For example, while many health insurance writers in California file with the California Department of Insurance, some companies are required to file with the California Department of Managed Health Care. It is the peculiarities of the health insurance market that warrant caution be taken when analyzing the numbers within this report. Because the NAIC receives most filings from companies required to file with the state insurance departments, the data are not a complete depiction of the health market as a whole.

Some life insurance companies and fraternal insurance companies provide accident and health coverage, as well as expected life coverages. Property/casualty companies may also provide accident and health coverage in addition to other lines of business. Some companies writeprimarily accident and health insurance, even if they are licensed as life, fraternal, or property/casualty entities. Therefore, the Accident and Health Policy Experience Exhibit appearsin all major NAIC financial annual statement blanks (property/casualty, health, life, and fraternal). The exhibit as it currently exists was added to the NAIC financial annual statement blanks that were used for reporting 2006 year-end data. The exhibit includes a breakout for individual and group business.

Report Format

This report contains the following sections:

Aggregated Annual Statement Financial Data This section reflects data reported in the Accident and Health Policy Experience Exhibit. The data is aggregated for all financial annual statement types and is then broken out by each financial annual statement type (property/casualty, health, life, and fraternal). The data is not available at the state level at this time.

Individual Business This section contains breakouts of Individual Business market share data. The market share is based on premiums earned as reported in the Accident and Health Policy Experience Exhibit. Insurance groups are made up of insurance companies that are related by common ownership. The market share reports show data by group for those insurers that are a member of a group. This allows the report to contain a more complete view of the market share information. The market share data is broken out by statement type and by line of business.

© 2017 National Association of Insurance Commissioners 1

The Individual Business breakouts are: Market Share for the Top 125 Insurers – This includes total market share, across

all business types, for the top 125 groups. Top 25 Groups by Company – Individual company data is shown for each of the

top 25 groups. Market Share Data by Statement Type – The data is broken out by business type.

It includes breakouts of separate market share data in each statement type,including property/casualty, health, life, and fraternal.

Market Share Data by Line of Business – This consists of data broken out by lineof business. It includes a total market share of the top 125 groups. Breakouts areprovided for the aggregate of all lines of business, as well as by line of business(e.g., comprehensive major medical).

Group Business This section contains breakouts of Group Business market share data.

The Group Business breakouts are: Market Share for the Top 125 Insurers Top 25 Groups by Company Market Share Data by Statement Type Market Share Data by Line of Business

Other Business This section contains breakouts of Other Business market share data

The Other Business breakouts are: Market Share for the Top 125 Insurers Top 25 Groups by Company Market Share Data by Statement Type Market Share Data by Line of Business

Grand Total (Individual, Group, and Other) Business The final section contains breakouts of Grand Total (Individual, Group, and Other) Business market share data. The data in this section is not broken out by the separate Lines of Business included within the Grand Total.

The Grand Total breakouts are: Market Share for the Top 125 Insurers Top 25 Groups by Company Market Share Data by Statement Type

© 2017 National Association of Insurance Commissioners 2

Company Index An index listing the insurer groups and the individual companies included in the insurance groups reported in this publication has been added at the end of the report. Insurers continuously merge, change names, and buy and sell companies; however, the index gives a “snapshot” view of group structures as filed with the NAIC by the date this report was generated.

Comments on this report are encouraged so that the report will continue to evolve to meet the needs of its users. These data are maintained in NAIC databases and are available for additional application development. These data are also available for purchase by the public.

Aggregation and Calculation of Data This report utilizes the term “aggregated” to describe data developed by summing the financial annual statements of individual companies. In order to represent more completely the data as reported on the financial annual statements, all data are aggregated directly from the numbers reported to the NAIC.

Definitions The health insurance industry is broad, and not all terminology carries the same definition. To avoid ambiguity and to help ensure this report is not misunderstood, some definitions have been provided. For more definitions within the Accident and Health Policy Experience Exhibit, please use the NAIC Annual and Quarterly Statement Instructions (for property/casualty, health, life, or fraternal). Group Business – Health insurance where the policy is issued to employers, associations, trusts, or other groups covering employees, members and/or their dependents, to whom a certificate of coverage may be provided. Individual Business – Health insurance where the policy is issued to an individual and covers the individual and/or their dependents. This includes conversions from group policies.

Comprehensive/Major Medical – Policies that provide fully insured indemnity, health maintenance organization (HMO), preferred provider organization (PPO), or fee for service coverage for hospital, medical, and surgical expenses. This category excludes short-term medical insurance; the Federal Employees Health Benefit Program and non-comprehensive coverage (such as basic hospital only, medical only, hospital confinement indemnity, surgical, outpatient indemnity, specified disease, intensive care, and organ and tissue transplant coverage); and any other coverage described in the other categories of this exhibit.

© 2017 National Association of Insurance Commissioners 3

Qualifications

The accuracy of the reports included in this publication depends on the accuracy of the information contained in each Accident and Health Policy Experience Exhibit filed by insurers. Even though the data elements used to prepare the reports are extracted from exhibits filed with the NAIC, the NAIC cannot verify or guarantee the accuracy of every data element.

While the NAIC exercises a great deal of care in capturing data from the financial annual statements and producing various reports, as with any statistical project of a significant magnitude, errors can occur. Consequently, the NAIC makes no representations or warranties with respect to the accuracy of the data and statistics in this report.

Please send any questions regarding this report to [email protected]. Links to this report and other NAIC reports can be found on the NAIC website at: NAIC Publications.

© 2017 National Association of Insurance Commissioners 4

PREMIUMSEARNEDINCURREDCLAIMS

AMOUNTCHANGEINCONTRACT

RESERVESLOSSRATIO

2012 $275,331,003,590 $229,077,321,934 $ 7,963,114,454 86.1%2013 $300,898,264,568 $252,350,066,953 $ 7,553,211,253 86.4%2014 $360,636,224,687 $306,109,705,129 $ 7,992,483,052 87.1%2015 $412,602,069,741 $357,036,049,398 $ 7,428,165,908 88.3%2016 $455,356,955,370 $390,136,676,327 $ 8,100,942,834 87.5%

2012‐2016 $360,964,903,591.20 $306,941,963,948.20 $7,807,583,500.20 87.2%

GrandTotalGroupBusiness2012 $319,265,016,462 $264,195,307,535 $ 2,091,570,032 83.4%2013 $320,528,048,857 $264,137,467,703 $ 2,051,840,442 83.0%2014 $316,229,440,369 $257,868,663,588 $ 1,903,725,622 82.1%2015 $324,298,282,294 $264,686,347,442 $ 1,147,752,706 82.0%2016 $331,397,955,619 $274,325,402,344 $ 1,036,528,237 83.1%

2012‐2016 $322,343,748,720.20 $265,042,637,722.40 $1,646,283,407.80 82.7%

GrandTotalOtherBusiness2012 $ 9,785,579,698 $ 6,838,329,920 $ 2,236,096 69.9%2013 $ 11,698,910,267 $ 8,232,126,487 $ 4,025,501 70.4%2014 $ 13,374,504,961 $ 9,549,465,202 $ (1,512,106) 71.4%2015 $ 15,153,879,005 $ 11,032,090,530 $ 1,778,848 72.8%2016 $ 16,389,664,350 $ 12,593,473,423 $ 2,141,191 76.9%

2012‐2016 $13,280,507,656.20 $9,649,097,112.40 $1,733,906.00 72.7%

2012 $604,381,599,750 $500,110,959,389 $10,056,920,582 84.4%2013 $633,125,223,692 $524,719,661,143 $ 9,609,077,196 84.4%2014 $690,240,170,017 $573,527,833,919 $ 9,894,696,568 84.5%2015 $761,762,392,293 $637,924,688,228 $ 8,863,708,294 84.9%2016 $814,128,124,746 $682,975,763,488 $10,176,866,881 85.1%

2012‐2016 $700,727,502,099.60 $583,851,781,233.40 $9,720,253,904.20 84.7%

* Resultsmayvaryfromprior‐yearreportsduetoneworrevisedfilings.LossRatio=(IncurredClaimsAmount+ChangeinContractReserves)/PremiumsEarned

GrandTotalIndividualBusiness

GrandTotal(Individual,Group,andOther)

ACCIDENTANDHEALTHPOLICYEXPERIENCECOUNTRYWIDE2012‐2016*

© 2017 National Association of Insurance Commissioners 5

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© 2017 National Association of Insurance Commissioners 6

-

50

100

150

200

250

300

350

400

450

2012 2013 2014 2015 2016Total Per Year 342,371,076 365,950,059 387,885,909 408,073,603 425,474,218

Mill

ions

Years

Number of Policies or CertificatesGrand Total (Individual, Group, and Other) Business

© 2017 National Association of Insurance Commissioners 7

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© 2017 National Association of Insurance Commissioners 8

-

100

200

300

400

500

600

700

800

900

1,000

2012 2013 2014 2015 2016Total Per Year 688,324,821 755,364,415 805,501,558 846,227,928 909,324,206

Mill

ions

Years

Number of Covered LivesGrand Total (Individual, Group, and Other) Business

© 2017 National Association of Insurance Commissioners 9

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© 2017 National Association of Insurance Commissioners 10

Accident and Health Policy Experience ReportAggregated Annual Statement Data

© 2017 National Association of Insurance Commissioners 11

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© 2017 National Association of Insurance Commissioners 12

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Aggregated Totals for All Statement Types

Premiums

countrywide

Earned Claims AmountIncurred

Contract ReservesChange in

Loss Ratio ¹or Certificates

Number of Policies

as of Dec 31 as of Dec 31Covered Lives

Number ofMemberMonths

A. INDIVIDUAL BUSINESS1. Comprehensive Major Medical

$19,259,651,6651.1 With contract reserves $18,015,060,154 )$(192,590,281 2,727,330 4,268,631 56,133,56692.54%$43,989,647,9861.2 Without contract reserves $42,977,016,148 )$(7,137,712 6,174,251 9,300,990 119,556,29297.68%$63,249,299,6511.3 Subtotal $60,992,076,302 )$(199,727,993 8,901,581 13,569,621 175,689,85896.12%

2. Short-Term Medical$1,004,0342.1 With contract reserves $482,640 )$(40,987 2,574 3,039 40,26043.99%

$144,570,8772.2 Without contract reserves $97,591,033 $0 131,850 157,599 1,239,20467.50%$145,574,9112.3 Subtotal $98,073,673 )$(40,987 134,424 160,638 1,279,46467.34%

3. Other Medical (Non-Comprehensive)$1,045,577,6583.1 With contract reserves $445,249,722 $74,851,180 2,562,555 4,254,789 49,351,63649.74%

$54,668,4283.2 Without contract reserves $66,107,708 $5,866,533 115,153 169,680 2,061,742131.66%$1,100,246,0863.3 Subtotal $511,357,429 $80,717,713 2,677,708 4,424,469 51,413,37853.81%

4. Specified/Named Disease$3,532,156,5514.1 With contract reserves $1,932,081,358 $507,216,797 7,553,937 13,656,830 154,858,83569.06%

$90,211,1724.2 Without contract reserves $63,263,130 )$(446,996 281,594 391,713 4,219,21569.63%$3,622,367,7224.3 Subtotal $1,995,344,487 $506,769,801 7,835,531 14,048,543 159,078,05069.07%

5. Limited Benefit$935,450,3885.1 With contract reserves $724,883,980 $35,365,137 370,273 467,860 5,338,00881.27%

$3,768,795,4075.2 Without contract reserves $3,466,916,124 $143,522 766,322 902,504 10,437,96091.99%$4,704,245,7955.3 Subtotal $4,191,800,104 $35,508,659 1,136,595 1,370,364 15,775,96889.86%

6. Student$06.1 With contract reserves $0 $0 0 0 0N/A

$97,284,1516.2 Without contract reserves $87,726,773 $0 50,151 50,615 592,69190.18%$97,284,1516.3 Subtotal $87,726,773 $0 50,151 50,615 592,69190.18%

7. Accident Only or AD&D$2,450,458,3097.1 With contract reserves $892,066,817 $73,999,499 9,536,646 14,512,287 159,656,15539.42%

$135,165,0937.2 Without contract reserves $54,845,621 $1,104,101 1,947,733 1,703,437 23,758,18341.39%$2,585,623,4007.3 Subtotal $946,912,440 $75,103,600 11,484,379 16,215,724 183,414,33839.53%

8. Disability Income - Short-Term$2,192,462,4948.1 With contract reserves $1,036,117,513 $46,658,123 3,275,891 3,346,203 38,312,70749.39%

$173,476,9678.2 Without contract reserves $117,566,203 $158,990 276,711 4,008,001 6,832,12567.86%$2,365,939,4648.3 Subtotal $1,153,683,716 $46,817,113 3,552,602 7,354,204 45,144,83250.74%

¹ Loss Ratio = (Incurred Claims Amount + Change in Contract Reserves) / Premiums Earned

© 2017 National Association of Insurance Commissioners 13

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

aggregated totals for All Statement Types

Premiums

countrywide

Earned Claims AmountIncurred

Contract ReservesChange in

Loss Ratio ¹or Certificates

Number of Policies

as of Dec 31 as of Dec 31Covered Lives

Number ofMemberMonths

A. INDIVIDUAL BUSINESS (Continued)9. Disability Income - Long-Term

$4,784,176,3859.1 With contract reserves $4,034,851,560 )$(112,272,178 3,032,590 2,974,780 36,218,95781.99%$29,957,9019.2 Without contract reserves $21,169,924 )$(13,277 21,240 21,241 234,73470.62%

$4,814,134,2869.3 Subtotal $4,056,021,483 )$(112,285,455 3,053,830 2,996,021 36,453,69181.92%10. Long-Term Care

$9,735,569,13810.1 With contract reserves $10,754,373,028 $6,887,831,001 4,214,719 4,757,271 52,173,283181.21%$530,925,34710.2 Without contract reserves $500,519,779 $557,478,021 70,714 70,714 855,074199.27%

$10,266,494,48510.3 Subtotal $11,254,892,807 $7,445,309,022 4,285,433 4,827,985 53,028,357182.15%11. Medicare Supplement (Medigap)

$10,617,808,20211.1 With contract reserves $8,040,593,878 $111,065,394 4,735,678 4,681,169 54,616,09776.77%$10,679,351,51011.2 Without contract reserves $8,515,396,937 )$(5,773 4,856,326 4,934,813 56,784,94679.74%$21,297,159,71311.3 Subtotal $16,555,990,815 $111,059,621 9,592,003 9,615,981 111,401,04378.26%

12. Dental$1,388,350,98012.1 With contract reserves $974,268,416 $10,690,007 4,359,044 5,213,444 58,387,47970.94%$1,420,416,77412.2 Without contract reserves $893,239,844 )$(5,971 3,021,446 4,190,756 50,816,01362.89%$2,808,767,75412.3 Subtotal $1,867,508,260 $10,684,036 7,380,490 9,404,200 109,203,49266.87%

13. State Children's Health Insurance Program$335,869,78013.1 With contract reserves $288,025,993 $0 316,473 303,394 3,780,20685.76%

$2,311,237,25013.2 Without contract reserves $1,885,854,000 $0 1,221,839 1,258,601 14,684,88481.59%$2,647,107,03013.3 Subtotal $2,173,879,993 $0 1,538,312 1,561,995 18,465,09082.12%

14. Medicare$24,957,064,30314.1 With contract reserves $20,910,284,271 )$(30,079,017 2,490,185 2,496,868 30,264,70283.66%

$125,642,652,64714.2 Without contract reserves $104,956,569,534 )$(6,831,569 11,575,196 11,584,379 140,775,68983.53%$150,599,716,95014.3 Subtotal $125,866,853,805 )$(36,910,586 14,065,381 14,081,247 171,040,39183.55%

15. Medicaid$19,702,338,58915.1 With contract reserves $17,287,925,141 $62,763,417 4,644,526 4,495,746 54,960,13388.06%

$145,260,899,61415.2 Without contract reserves $125,508,454,553 $81,118,347 32,204,287 32,461,328 381,484,10186.46%$164,963,238,20315.3 Subtotal $142,796,379,694 $143,881,764 36,848,813 36,957,074 436,444,23486.65%

16. Medicare Part D - Stand-Alone$1,101,841,52016.1 With contract reserves $855,849,147 $1,325,075 1,089,011 1,089,011 12,959,92177.79%

$17,295,607,06516.2 Without contract reserves $13,045,643,242 $0 19,347,250 19,322,298 226,695,42375.43%$18,397,448,58516.3 Subtotal $13,901,492,389 $1,325,075 20,436,261 20,411,309 239,655,34475.57%

17. Other Individual Business$1,051,872,93217.1 With contract reserves $1,128,782,755 )$(6,501,896 2,054,106 1,742,428 17,405,434106.69%

$640,434,26117.2 Without contract reserves $557,899,402 )$(766,655 668,331 1,148,827 5,992,46186.99%$1,692,307,19317.3 Subtotal $1,686,682,157 )$(7,268,551 2,722,437 2,891,255 23,397,89599.24%

18. Total Individual Business$103,091,652,92318.1 With contract reserves $87,320,896,378 $7,470,281,271 52,965,538 68,263,750 784,457,37791.95%$352,265,302,44718.2 Without contract reserves $302,815,779,955 $630,661,561 82,730,393 91,677,494 1,047,020,73586.14%$455,356,955,37019. Grand total individual $390,136,676,327 $8,100,942,834 135,695,931 159,941,244 1,831,478,11287.46%

¹ Loss Ratio = (Incurred Claims Amount + Change in Contract Reserves) / Premiums Earned

© 2017 National Association of Insurance Commissioners 14

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Aggregated Totals for All Statement Types

Premiums

countrywide

Earned Claims AmountIncurred

Contract ReservesChange in

Loss Ratio ¹or Certificates

Number of Policies

as of Dec 31 as of Dec 31Covered Lives

Number ofMemberMonths

B. GROUP BUSINESSComprehensive Major Medical1. Single Employer1.1 Small employer 6,957,688 12,499,324 150,522,120$61,102,073,309 $50,332,609,029 ($18,798,543) 82.34%1.2 Other Employer 12,662,398 26,099,121 310,104,844$125,805,192,047 $107,050,610,609 ($36,866,839) 85.06%1.3 Single employer subtotal 19,620,086 38,598,445 460,626,964$186,907,265,357 $157,383,219,633 ($55,665,382) 84.17%2. Multiple employer assns and trusts 759,717 1,493,142 18,114,638$7,451,484,548 $6,373,080,493 ($3) 85.53%3. Other associations and discretionary trusts 370,040 682,130 8,472,396$2,391,964,149 $1,951,091,618 ($12,025,415) 81.07%4. Other comprehensive major medical 721,029 1,308,322 15,845,181$4,897,306,958 $4,229,005,374 ($474,831) 86.34%5. Comprehensive/major medical subtotal 21,470,872 42,082,039 503,059,179$201,648,021,014 $169,936,397,118 ($68,165,631) 84.24%

Other Medical (Non-Comprehensive)6. Specified/named disease 3,577,403 6,993,339 73,243,393$1,388,060,915 $506,706,844 $112,109,842 44.58%7. Limited benefit 14,552,064 59,383,972 673,905,338$5,268,616,741 $3,937,347,966 ($1,138,725) 74.71%8. Student 1,890,390 3,210,824 36,288,735$1,922,930,150 $1,518,898,766 $746,335 79.03%9. Accident only or AD&D 104,759,410 210,457,231 2,059,852,801$4,091,971,704 $1,684,575,904 $34,678,140 42.02%10. Disability income - short-term 9,777,472 22,665,704 218,896,452$5,206,690,902 $3,535,103,543 $4,991,423 67.99%11. Disability income - long-term 15,953,289 44,447,872 398,984,260$12,185,192,860 $10,156,858,069 $4,678,960 83.39%12. Long-term care 1,186,161 2,449,983 26,727,982$2,335,866,329 $1,434,556,188 $906,905,100 100.24%13. Medicare supplement 2,875,199 3,119,224 37,225,328$6,660,673,646 $5,265,770,712 $34,840,806 79.58%14. Federal Employees Health Benefit Plans 3,319,525 7,799,350 94,268,082$38,221,654,962 $34,707,515,432 $854,638 90.81%15. Tricare 0 0 6$39,609,122 $39,041,817 $2,749 98.57%16. Dental 23,126,953 63,772,218 620,858,589$22,197,525,133 $16,844,501,643 $2,375,626 75.90%17. Medicare 1,976,705 2,027,745 23,934,479$23,187,813,443 $19,768,594,876 $4,119,928 85.27%18. Medicare Part D - Stand-Alone 476,515 486,074 5,123,657$1,059,150,477 $910,668,218 ($301,436) 85.95%19. Other group care 12,692,701 43,592,504 258,232,791$5,984,178,231 $4,078,865,250 ($169,517) 68.16%20. Grand total group business 217,634,658 512,488,077 5,030,601,073$331,397,955,619 $274,325,402,344 $1,036,528,237 83.09%

C. OTHER BUSINESS1. Credit (Individual and Group) 7,159,164 8,630,492 102,833,763$1,311,759,613 $648,149,038 ($2,444,644) 49.22%2. Stop Loss/Excess Loss 14,710,414 72,453,146 636,475,942$15,077,904,737 $11,945,324,385 $4,585,835 79.25%3. Administrative Services Only 13,315,661 45,435,915 547,915,527XXX XXX XXX XXX4. Administrative Services Contracts 36,958,390 110,375,332 1,294,612,307XXX XXX XXX XXX5. Grand Total Other Business 72,143,629 236,894,885 2,581,837,539$16,389,664,350 $12,593,473,423 $2,141,191 76.85%

D. TOTAL BUSINESS1. Total Non U.S. Policy Forms 39,662,260 58,495,495 548,206,715$10,983,549,396 $5,920,211,395 $1,037,254,619 63.34%2. Grand Total Individual, Group & Other Business 465,136,478 967,819,701 9,992,123,439$814,128,124,746 $682,975,763,488 $10,176,866,881 85.14%

¹ Loss Ratio = (Incurred Claims Amount + Change in Contract Reserves) / Premiums Earned

© 2017 National Association of Insurance Commissioners 15

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Aggregated Totals for All Statement Types

Premiums

countrywide

Earned Claims AmountIncurred

Contract ReservesChange in

Loss Ratio ¹

Part 1 - Individual PoliciesSummary

$454,491,109,8171. U.S. forms direct business $388,810,129,108 $8,121,274,147 87.34%$10,424,846,7432. Other forms direct business $5,716,343,212 $1,037,901,234 64.79%

$464,915,956,5603. Total direct business $394,526,472,320 $9,159,175,381 86.83%$17,427,966,5364. Reinsurance assumed $15,126,239,246 $1,777,112,866 96.99%$24,706,465,1105. Less reinsurance ceded $24,806,340,096 $2,770,626,960 111.62%

$457,637,457,9906. Total $384,846,371,476 $8,165,661,281 85.88%

Part 2 - Group PoliciesSummary

$347,079,700,9501. U.S. forms direct business $284,169,297,384 $1,027,231,581 82.17%$658,776,2742. Other forms direct business $513,833,590 )$(681,969 77.89%

$347,738,477,2253. Total direct business $284,683,130,975 $1,026,549,612 82.16%$21,181,188,6604. Reinsurance assumed $16,104,395,647 $70,465,708 76.36%$35,505,237,5085. Less reinsurance ceded $29,382,431,157 $521,560,858 84.22%

$333,414,428,3866. Total $271,405,095,463 $575,454,461 81.57%

Part 3 - Credit Policies (Individual and Group)Summary

$2,846,688,6701. U.S. forms direct business $2,025,399,332 )$(1,434,096 71.10%$245,551,5072. Other forms direct business $36,083,571 $0 14.69%

$3,092,240,1773. Total direct business $2,061,482,903 )$(1,434,096 66.62%$261,038,9194. Reinsurance assumed $136,117,778 )$(1,207,539 51.68%$461,974,9135. Less reinsurance ceded $113,554,125 )$(1,056,089 24.35%

$2,891,304,1816. Total $2,084,046,555 )$(1,585,546 72.02%

Part 4 - All Individual, Group and Credit PoliciesSummary

$804,542,850,6601. U.S. forms direct business $675,085,949,998 $9,147,071,631 85.05%$11,244,741,9562. Other forms direct business $6,182,219,380 $1,037,219,265 64.20%

$815,787,592,6173. Total direct business $681,268,169,379 $10,184,290,896 84.76%$38,870,194,1164. Reinsurance assumed $31,366,752,669 $1,846,371,036 85.45%$60,673,461,8865. Less reinsurance ceded $54,302,330,989 $3,291,131,730 94.92%

$793,984,324,8446. Total $658,332,591,064 $8,739,530,198 84.02%

¹ Loss Ratio = (Incurred Claims Amount + Change in Contract Reserves) / Premiums Earned

© 2017 National Association of Insurance Commissioners 16

Annual Statement Data by Statement Type

© 2017 National Association of Insurance Commissioners 17

Page Intentionally Left Blank

© 2017 National Association of Insurance Commissioners 18

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Aggregated Totals for Life, Accident & Health

Premiums

countrywide

Earned Claims AmountIncurred

Contract ReservesChange in

Loss Ratio ¹or Certificates

Number of Policies

as of Dec 31 as of Dec 31Covered Lives

Number ofMemberMonths

A. INDIVIDUAL BUSINESS1. Comprehensive Major Medical

$2,331,946,2171.1 With contract reserves $2,283,097,128 $16,338,904 292,812 487,589 6,335,33098.61%$1,787,808,8411.2 Without contract reserves $2,149,241,685 $885,334 228,707 381,050 4,841,730120.27%$4,119,755,0591.3 Subtotal $4,432,338,813 $17,224,238 521,519 868,639 11,177,060108.01%

2. Short-Term Medical$712,5012.1 With contract reserves $196,512 )$(40,987 2,433 2,898 34,77621.83%

$122,214,1172.2 Without contract reserves $76,246,435 $0 78,709 100,028 1,004,20362.39%$122,926,6182.3 Subtotal $76,442,947 )$(40,987 81,142 102,926 1,038,97962.15%

3. Other Medical (Non-Comprehensive)$951,898,1263.1 With contract reserves $402,484,020 $74,476,820 2,157,195 3,793,561 43,881,73350.11%

$48,496,7293.2 Without contract reserves $61,489,671 $5,878,743 111,328 164,837 1,991,519138.91%$1,000,394,8553.3 Subtotal $463,973,691 $80,355,563 2,268,523 3,958,398 45,873,25254.41%

4. Specified/Named Disease$3,519,955,1014.1 With contract reserves $1,927,483,072 $504,593,758 7,512,968 13,606,250 154,239,14569.09%

$87,668,5804.2 Without contract reserves $62,436,212 )$(406,565 262,154 365,075 3,973,99170.75%$3,607,623,6804.3 Subtotal $1,989,919,283 $504,187,193 7,775,122 13,971,325 158,213,13669.13%

5. Limited Benefit$137,210,2965.1 With contract reserves $53,213,335 $35,334,737 286,420 392,097 4,268,54964.53%

$54,541,7255.2 Without contract reserves $20,159,216 $143,522 181,745 269,520 3,139,27337.22%$191,752,0215.3 Subtotal $73,372,551 $35,478,259 468,165 661,617 7,407,82256.77%

6. Student$06.1 With contract reserves $0 $0 0 0 0N/A

$1,339,9916.2 Without contract reserves $1,096,789 $0 427 530 6,36881.85%$1,339,9916.3 Subtotal $1,096,789 $0 427 530 6,36881.85%

7. Accident Only or AD&D$2,424,959,9977.1 With contract reserves $880,923,730 $72,217,863 9,399,274 14,372,231 158,172,99639.31%

$124,052,5717.2 Without contract reserves $45,217,487 $1,064,797 1,397,376 1,537,808 17,385,83537.31%$2,549,012,5667.3 Subtotal $926,141,219 $73,282,660 10,796,650 15,910,039 175,558,83139.21%

8. Disability Income - Short-Term$2,181,230,4958.1 With contract reserves $1,027,397,683 $46,196,086 3,257,810 3,329,009 38,098,13949.22%

$56,169,6348.2 Without contract reserves $68,347,206 $272,439 30,008 34,052 417,150122.17%$2,237,400,1328.3 Subtotal $1,095,744,889 $46,468,525 3,287,818 3,363,061 38,515,28951.05%

¹ Loss Ratio = (Incurred Claims Amount + Change in Contract Reserves) / Premiums Earned

© 2017 National Association of Insurance Commissioners 19

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Aggregated Totals for Life, Accident & Health

Premiums

countrywide

Earned Claims AmountIncurred

Contract ReservesChange in

Loss Ratio ¹or Certificates

Number of Policies

as of Dec 31 as of Dec 31Covered Lives

Number ofMemberMonths

A. INDIVIDUAL BUSINESS (Continued)9. Disability Income - Long-Term

$4,725,267,8139.1 With contract reserves $4,006,704,128 )$(111,712,984 2,923,797 2,865,628 34,897,97282.43%$14,457,6989.2 Without contract reserves $12,815,876 )$(13,277 12,122 12,123 121,81088.55%

$4,739,725,5119.3 Subtotal $4,019,520,003 )$(111,726,261 2,935,919 2,877,751 35,019,78282.45%10. Long-Term Care

$8,892,575,30910.1 With contract reserves $9,439,751,762 $6,053,198,946 3,739,942 4,266,747 46,241,613174.22%$90,561,09910.2 Without contract reserves $126,604,361 $557,478,021 50,471 50,471 614,654755.38%

$8,983,136,40810.3 Subtotal $9,566,356,123 $6,610,676,967 3,790,413 4,317,218 46,856,267180.08%11. Medicare Supplement (Medigap)

$7,483,303,00111.1 With contract reserves $5,696,570,928 $60,853,377 3,399,324 3,399,906 39,246,01076.94%$3,726,385,57611.2 Without contract reserves $2,796,101,240 )$(1,242 1,850,600 1,856,469 19,831,43575.04%

$11,209,688,57811.3 Subtotal $8,492,672,169 $60,852,135 5,249,923 5,256,374 59,077,44576.30%12. Dental

$370,558,53912.1 With contract reserves $183,650,448 $9,912,575 696,486 1,007,649 11,662,97652.24%$403,648,05112.2 Without contract reserves $218,953,033 )$(5,958 786,089 1,135,899 13,328,08954.24%$774,206,59012.3 Subtotal $402,603,481 $9,906,617 1,482,575 2,143,548 24,991,06553.28%

13. State Children's Health Insurance Program$013.1 With contract reserves $0 $0 0 0 0N/A

$49,521,52413.2 Without contract reserves $41,666,758 $0 27,368 27,368 375,39084.14%$49,521,52413.3 Subtotal $41,666,758 $0 27,368 27,368 375,39084.14%

14. Medicare$6,681,143,58514.1 With contract reserves $5,390,222,648 )$(6,340,344 857,432 857,453 10,156,97880.58%$8,243,754,96314.2 Without contract reserves $6,893,216,465 $9,431 795,814 795,814 12,476,70083.62%

$14,924,898,54814.3 Subtotal $12,283,439,113 )$(6,330,913 1,653,246 1,653,267 22,633,67882.26%15. Medicaid

$015.1 With contract reserves $0 $0 0 0 0N/A$1,847,464,04515.2 Without contract reserves $1,563,468,976 $0 226,458 226,458 2,344,53184.63%$1,847,464,04515.3 Subtotal $1,563,468,976 $0 226,458 226,458 2,344,53184.63%

16. Medicare Part D - Stand-Alone$818,889,22316.1 With contract reserves $627,278,186 $409 884,214 884,214 10,483,21076.60%

$6,447,492,82616.2 Without contract reserves $4,871,823,390 $0 6,452,145 6,452,145 74,983,20075.56%$7,266,382,04916.3 Subtotal $5,499,101,576 $409 7,336,359 7,336,359 85,466,41075.68%

17. Other Individual Business$260,785,09017.1 With contract reserves $174,261,201 )$(7,829,361 587,693 293,713 3,137,73563.82%$10,520,66317.2 Without contract reserves $4,555,439 )$(760,137 75,113 113,156 1,191,29836.07%

$271,305,75317.3 Subtotal $178,816,640 )$(8,589,498 662,806 406,869 4,329,03362.74%18. Total Individual Business

$40,780,435,28718.1 With contract reserves $32,093,234,784 $6,747,199,797 35,997,800 49,558,945 560,857,16295.24%$23,116,098,63318.2 Without contract reserves $19,013,440,238 $564,545,108 12,566,633 13,522,801 158,027,17584.69%$63,896,533,92019. Grand total individual $51,106,675,018 $7,311,744,907 48,564,433 63,081,746 718,884,33791.43%

¹ Loss Ratio = (Incurred Claims Amount + Change in Contract Reserves) / Premiums Earned

© 2017 National Association of Insurance Commissioners 20

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Aggregated Totals for Life, Accident & Health

Premiums

countrywide

Earned Claims AmountIncurred

Contract ReservesChange in

Loss Ratio ¹or Certificates

Number of Policies

as of Dec 31 as of Dec 31Covered Lives

Number ofMemberMonths

B. GROUP BUSINESSComprehensive Major Medical1. Single Employer1.1 Small employer 1,172,118 2,135,236 24,967,193$9,124,471,658 80.99%$7,389,894,945 $323,7791.2 Other Employer 2,880,515 7,433,689 86,053,045$31,867,953,772 80.77%$25,739,187,162 $2,082,1121.3 Single employer subtotal 4,052,633 9,568,925 111,020,238$40,992,425,430 80.82%$33,129,082,107 $2,405,8912. Multiple employer assns and trusts 37,847 81,393 967,450$304,724,599 78.24%$238,431,619 ($3)3. Other associations and discretionary trusts 271,940 509,215 6,447,871$1,602,761,228 81.09%$1,311,718,822 ($12,025,415)4. Other comprehensive major medical 92,292 278,927 3,501,270$217,501,895 75.23%$164,111,308 ($474,831)5. Comprehensive/major medical subtotal 4,454,712 10,438,460 121,936,829$43,117,413,153 80.79%$34,843,343,856 ($10,094,358)

Other Medical (Non-Comprehensive)6. Specified/named disease 3,507,474 6,833,686 71,460,263$1,363,314,039 44.29%$491,846,187 $111,990,6947. Limited benefit 12,147,530 31,146,896 337,371,440$3,034,152,232 72.63%$2,204,932,203 ($1,189,885)8. Student 1,027,486 1,094,412 12,497,529$1,466,504,785 79.39%$1,164,351,880 ($59,234)9. Accident only or AD&D 64,087,229 138,084,801 1,258,402,238$3,510,516,217 42.96%$1,473,314,683 $34,857,09110. Disability income - short-term 9,730,768 22,233,805 217,216,871$5,117,204,033 68.09%$3,480,810,845 $3,338,18511. Disability income - long-term 15,927,729 44,421,882 398,672,380$12,174,169,814 83.34%$10,140,703,891 $5,460,82212. Long-term care 964,416 2,228,238 23,997,100$2,146,976,988 94.55%$1,327,690,214 $702,215,61013. Medicare supplement 2,689,205 2,930,281 34,963,370$6,145,531,476 79.81%$4,869,641,518 $35,102,63814. Federal Employees Health Benefit Plans 97,550 207,764 3,284,989$968,170,873 86.14%$833,649,223 $328,99815. Tricare 0 0 6$92 (1,875.00)%($815) ($910)16. Dental 9,270,343 33,234,371 266,517,936$12,284,115,751 76.06%$9,341,264,709 $2,189,86117. Medicare 49 49 573$27,553,450 57.42%$15,816,828 $4,34818. Medicare Part D - Stand-Alone 75,221 75,221 907,749$58,808,454 80.57%$47,600,207 ($217,178)19. Other group care 8,149,213 14,050,237 156,625,425$2,575,348,117 61.81%$1,591,885,285 $52,94820. Grand total group business 132,128,924 306,980,101 2,903,854,699$93,989,779,466 77.36%$71,826,850,709 $883,979,629

C. OTHER BUSINESS1. Credit (Individual and Group) 6,693,445 8,164,773 97,350,232$1,284,109,540 49.92%$643,417,873 ($2,444,644)2. Stop Loss/Excess Loss 9,416,919 34,359,305 410,303,129$10,140,518,207 79.99%$8,111,541,940 ($43,562)3. Administrative Services Only 4,289,824 27,483,540 330,310,174XXX XXXXXX XXX4. Administrative Services Contracts 8,002,390 18,512,898 220,658,778XXX XXXXXX XXX5. Grand Total Other Business 28,402,578 88,520,516 1,058,622,313$11,424,627,747 76.61%$8,754,959,813 ($2,488,206)

D. TOTAL BUSINESS1. Total Non U.S. Policy Forms 31,174,863 42,242,797 353,145,841$10,476,070,510 64.61%$5,732,857,783 $1,035,584,9982. Grand Total Individual, Group & Other Business 240,270,798 500,825,160 5,034,507,190$179,787,011,647 81.57%$137,421,343,322 $9,228,821,328

¹ Loss Ratio = (Incurred Claims Amount + Change in Contract Reserves) / Premiums Earned

© 2017 National Association of Insurance Commissioners 21

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Aggregated Totals for Life, Accident & Health

Premiums

countrywide

Earned Claims AmountIncurred

Contract ReservesChange in

Loss Ratio ¹

Part 1 - Individual PoliciesSummary

$64,024,159,3761. U.S. forms direct business $51,256,944,952 $7,319,096,083 91.49%$9,975,239,4432. Other forms direct business $5,361,388,097 $1,036,183,174 64.13%

$73,999,398,8193. Total direct business $56,618,333,049 $8,355,279,257 87.80%$10,371,771,6814. Reinsurance assumed $9,913,227,802 $1,735,085,737 112.31%$14,157,685,2835. Less reinsurance ceded $14,693,190,728 $2,731,506,740 123.08%$70,213,485,2186. Total $51,838,370,127 $7,358,858,248 84.31%

Part 2 - Group PoliciesSummary

$104,744,908,4061. U.S. forms direct business $80,356,177,327 $871,680,089 77.55%$431,567,0742. Other forms direct business $367,637,219 )$(681,969 85.03%

$105,176,475,4803. Total direct business $80,723,814,546 $870,998,120 77.58%$13,563,827,4874. Reinsurance assumed $10,648,021,414 $66,453,195 78.99%$26,487,221,2505. Less reinsurance ceded $21,643,122,876 $506,181,698 83.62%$92,253,081,7206. Total $69,728,713,082 $431,269,616 76.05%

Part 3 - Credit Policies (Individual and Group)Summary

$751,720,7681. U.S. forms direct business $264,391,882 )$(1,434,096 34.98%$93,650,1732. Other forms direct business $11,599,165 $0 12.39%

$845,370,9413. Total direct business $275,991,047 )$(1,434,096 32.48%$98,547,3884. Reinsurance assumed $16,056,543 )$(1,207,539 15.07%

$268,451,9465. Less reinsurance ceded $52,998,127 )$(1,056,089 19.35%$675,466,3806. Total $239,049,462 )$(1,585,546 35.16%

Part 4 - All Individual, Group and Credit PoliciesSummary

$169,520,819,2441. U.S. forms direct business $131,877,514,163 $8,189,342,075 82.63%$10,500,425,9982. Other forms direct business $5,740,624,481 $1,035,501,205 64.53%

$180,021,245,2423. Total direct business $137,618,138,644 $9,224,843,280 81.57%$24,034,146,5594. Reinsurance assumed $20,577,305,759 $1,800,331,394 93.11%$40,913,358,4795. Less reinsurance ceded $36,389,311,734 $3,236,632,350 96.85%

$163,142,033,3196. Total $121,806,132,671 $7,788,542,320 79.44%

¹ Loss Ratio = (Incurred Claims Amount + Change in Contract Reserves) / Premiums Earned

© 2017 National Association of Insurance Commissioners 22

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Aggregated Totals for Health

Premiums

countrywide

Earned Claims AmountIncurred

Contract ReservesChange in

Loss Ratio ¹or Certificates

Number of Policies

as of Dec 31 as of Dec 31Covered Lives

Number ofMemberMonths

A. INDIVIDUAL BUSINESS1. Comprehensive Major Medical

$16,922,392,0531.1 With contract reserves $15,727,501,515 )$(208,694,813 2,432,965 3,778,874 49,770,93891.71%$42,190,114,1221.2 Without contract reserves $40,818,797,867 )$(8,023,046 5,942,399 8,916,723 114,672,00096.73%$59,112,506,1751.3 Subtotal $56,546,299,382 )$(216,717,859 8,375,364 12,695,597 164,442,93895.29%

2. Short-Term Medical$291,5332.1 With contract reserves $286,128 $0 141 141 5,48498.15%

$17,367,5312.2 Without contract reserves $16,407,450 $0 10,362 13,121 169,67294.47%$17,659,0642.3 Subtotal $16,693,578 $0 10,503 13,262 175,15694.53%

3. Other Medical (Non-Comprehensive)$3,174,3283.1 With contract reserves $655,811 )$(137,931 5,987 6,407 78,96016.31%

$445,6423.2 Without contract reserves $4,020,870 $0 3,291 4,256 54,016902.26%$3,619,9703.3 Subtotal $4,676,681 )$(137,931 9,278 10,663 132,976125.38%

4. Specified/Named Disease$6,325,1584.1 With contract reserves $2,613,825 $845,223 13,270 22,860 276,05254.69%$1,103,7914.2 Without contract reserves $403,732 $0 1,852 2,646 34,01736.58%$7,428,9494.3 Subtotal $3,017,557 $845,223 15,122 25,506 310,06952.00%

5. Limited Benefit$796,409,3465.1 With contract reserves $671,417,937 $30,778 82,216 74,126 1,051,36984.31%

$3,711,716,6795.2 Without contract reserves $3,444,715,752 $0 487,418 535,825 6,231,79192.81%$4,508,126,0255.3 Subtotal $4,116,133,689 $30,778 569,634 609,951 7,283,16091.31%

6. Student$06.1 With contract reserves $0 $0 0 0 0N/A

$95,944,1606.2 Without contract reserves $86,629,984 $0 49,724 50,085 586,32390.29%$95,944,1606.3 Subtotal $86,629,984 $0 49,724 50,085 586,32390.29%

7. Accident Only or AD&D$760,3317.1 With contract reserves $384,491 $20,350 9,569 10,126 121,61553.25%

$1,055,5837.2 Without contract reserves $38,780 $0 435,998 43,711 5,182,5333.67%$1,815,9147.3 Subtotal $423,271 $20,350 445,567 53,837 5,304,14824.43%

8. Disability Income - Short-Term$3,224,8978.1 With contract reserves $2,223,857 $83,694 1,037 1,040 18,83871.55%

$08.2 Without contract reserves $0 $0 0 0 0N/A$3,224,8978.3 Subtotal $2,223,857 $83,694 1,037 1,040 18,83871.55%

¹ Loss Ratio = (Incurred Claims Amount + Change in Contract Reserves) / Premiums Earned

© 2017 National Association of Insurance Commissioners 23

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Aggregated Totals for Health

Premiums

countrywide

Earned Claims AmountIncurred

Contract ReservesChange in

Loss Ratio ¹or Certificates

Number of Policies

as of Dec 31 as of Dec 31Covered Lives

Number ofMemberMonths

A. INDIVIDUAL BUSINESS (Continued)9. Disability Income - Long-Term

$8,516,7879.1 With contract reserves $11,085,987 $2,475,485 30,270 30,370 364,469159.23%$09.2 Without contract reserves $0 $0 0 0 0N/A

$8,516,7879.3 Subtotal $11,085,987 $2,475,485 30,270 30,370 364,469159.23%10. Long-Term Care

$28,958,19910.1 With contract reserves $48,781,360 $11,104,313 17,235 17,569 215,562206.80%$439,689,10010.2 Without contract reserves $372,464,498 $0 20,134 20,134 239,11284.71%$468,647,29910.3 Subtotal $421,245,858 $11,104,313 37,369 37,703 454,67492.25%

11. Medicare Supplement (Medigap)$2,592,375,18411.1 With contract reserves $1,945,187,431 $47,902,837 1,116,102 1,058,860 12,674,84376.88%$6,919,422,28711.2 Without contract reserves $5,697,052,619 )$(4,531 2,995,205 3,067,823 36,827,28782.33%$9,511,797,47111.3 Subtotal $7,642,240,050 $47,898,306 4,111,307 4,126,683 49,502,13080.85%

12. Dental$1,010,665,35012.1 With contract reserves $785,955,273 $777,432 3,465,287 3,788,732 42,829,50377.84%$1,007,724,07712.2 Without contract reserves $668,864,462 )$(13 2,189,580 3,009,065 37,043,62366.37%$2,018,389,42712.3 Subtotal $1,454,819,735 $777,419 5,654,867 6,797,797 79,873,12672.12%

13. State Children's Health Insurance Program$335,869,78013.1 With contract reserves $288,025,993 $0 316,473 303,394 3,780,20685.76%

$2,261,715,72613.2 Without contract reserves $1,844,187,242 $0 1,194,471 1,231,233 14,309,49481.54%$2,597,585,50613.3 Subtotal $2,132,213,235 $0 1,510,944 1,534,627 18,089,70082.08%

14. Medicare$18,231,580,92214.1 With contract reserves $15,487,569,623 )$(23,812,443 1,617,663 1,624,325 19,912,59984.82%

$117,398,858,45514.2 Without contract reserves $98,063,325,098 )$(6,841,000 10,779,370 10,788,553 128,298,84583.52%$135,630,439,37714.3 Subtotal $113,550,894,721 )$(30,653,443 12,397,033 12,412,878 148,211,44483.70%

15. Medicaid$19,702,338,58915.1 With contract reserves $17,287,925,141 $62,763,417 4,644,526 4,495,746 54,960,13388.06%

$143,413,435,56915.2 Without contract reserves $123,944,985,577 $81,118,347 31,977,829 32,234,870 379,139,57086.48%$163,115,774,15815.3 Subtotal $141,232,910,718 $143,881,764 36,622,355 36,730,616 434,099,70386.67%

16. Medicare Part D - Stand-Alone$282,952,29716.1 With contract reserves $228,570,961 $1,324,666 204,797 204,797 2,476,71181.25%

$10,848,113,60516.2 Without contract reserves $8,173,859,842 $0 12,895,105 12,870,153 151,712,22375.35%$11,131,065,90216.3 Subtotal $8,402,430,803 $1,324,666 13,099,902 13,074,950 154,188,93475.50%

17. Other Individual Business$767,148,43417.1 With contract reserves $946,914,230 $1,410,396 1,153,945 1,161,916 14,063,967123.62%$547,389,96217.2 Without contract reserves $511,540,609 $0 130,667 182,769 2,156,73393.45%

$1,314,538,39617.3 Subtotal $1,458,454,839 $1,410,396 1,284,612 1,344,685 16,220,700111.06%18. Total Individual Business

$60,692,983,18918.1 With contract reserves $53,435,099,566 )$(103,906,596 15,111,483 16,579,283 202,601,24787.87%$328,854,096,28718.2 Without contract reserves $283,647,294,382 $66,249,757 69,113,405 72,970,967 876,657,23886.27%$389,547,079,47519. Grand total individual $337,082,393,949 )$(37,656,839 84,224,888 89,550,250 1,079,258,48586.52%

¹ Loss Ratio = (Incurred Claims Amount + Change in Contract Reserves) / Premiums Earned

© 2017 National Association of Insurance Commissioners 24

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Aggregated Totals for Health

Premiums

countrywide

Earned Claims AmountIncurred

Contract ReservesChange in

Loss Ratio ¹or Certificates

Number of Policies

as of Dec 31 as of Dec 31Covered Lives

Number ofMemberMonths

B. GROUP BUSINESSComprehensive Major Medical1. Single Employer1.1 Small employer 5,735,329 10,231,931 123,902,462($19,122,322)$41,410,122,588 80.53%$51,401,191,2511.2 Other Employer 9,759,493 18,602,467 223,314,680($38,948,951)$80,984,571,100 86.47%$93,614,061,4351.3 Single employer subtotal 15,494,822 28,834,398 347,217,142($58,071,273)$122,394,693,684 84.36%$145,015,252,6862. Multiple employer assns and trusts 721,870 1,411,749 17,147,188$0$6,134,869,570 85.84%$7,146,759,9493. Other associations and discretionary trusts 93,324 165,504 1,974,201$0$637,447,738 81.53%$781,884,5274. Other comprehensive major medical 628,133 1,019,669 12,214,118$0$4,023,238,629 86.75%$4,637,771,2935. Comprehensive/major medical subtotal 16,938,149 31,431,320 378,552,649($58,071,273)$133,190,249,621 84.48%$157,581,668,456

Other Medical (Non-Comprehensive)6. Specified/named disease 43,134 88,980 1,063,732$119,148$9,264,025 56.88%$16,497,6987. Limited benefit 2,305,507 28,067,592 335,431,782$68,236$1,687,036,981 79.52%$2,121,531,4268. Student 184,787 888,595 11,201,524$651,434$307,906,973 81.96%$376,477,1589. Accident only or AD&D 469,338 472,253 5,588,601($389,277)$5,598,148 35.14%$14,823,91910. Disability income - short-term 1,993 3,795 44,741$0$209,472 29.98%$698,63211. Disability income - long-term 0 0 0($781,862)$1,197,799 40.99%$1,014,74112. Long-term care 13,235 13,235 162,049$20,773,402$15,725,656 179.96%$20,281,91213. Medicare supplement 185,992 188,884 2,261,088($252,091)$396,036,205 76.85%$515,019,46314. Federal Employees Health Benefit Plans 3,221,975 7,591,586 90,983,093$525,640$33,873,866,209 90.93%$37,253,484,08915. Tricare 0 0 0$3,659$39,042,632 98.58%$39,609,03016. Dental 13,798,287 30,450,797 353,634,074$185,765$7,455,005,391 75.87%$9,826,322,37917. Medicare 1,976,656 2,027,696 23,933,906$4,115,580$19,752,932,166 85.31%$23,160,259,99318. Medicare Part D - Stand-Alone 400,558 410,117 4,207,355($84,258)$859,815,056 86.23%$996,992,13019. Other group care 2,243,004 5,785,639 69,119,444($222,465)$1,786,866,887 86.14%$2,074,031,30420. Grand total group business 41,782,615 107,420,489 1,276,184,038($33,358,362)$199,380,753,224 85.19%$233,998,712,328

C. OTHER BUSINESS1. Credit (Individual and Group) 1 1 12$0$3,098 75.76%$4,0892. Stop Loss/Excess Loss 4,383,059 9,072,739 109,931,747($37,435)$2,938,063,245 76.57%$3,837,003,3673. Administrative Services Only 9,025,837 17,952,375 217,605,353XXXXXX XXXXXX4. Administrative Services Contracts 28,956,000 91,862,434 1,073,953,529XXXXXX XXXXXX5. Grand Total Other Business 42,364,897 118,887,549 1,401,490,641($37,435)$2,938,066,343 76.57%$3,837,007,456

D. TOTAL BUSINESS1. Total Non U.S. Policy Forms 17,640 30,811 406,419$139,609$83,053,723 63.94%$130,110,3192. Grand Total Individual, Group & Other Business 168,390,040 315,889,099 3,757,339,583($70,913,027)$539,484,267,237 85.96%$627,512,909,585

¹ Loss Ratio = (Incurred Claims Amount + Change in Contract Reserves) / Premiums Earned

© 2017 National Association of Insurance Commissioners 25

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Aggregated Totals for Health

Premiums

countrywide

Earned Claims AmountIncurred

Contract ReservesChange in

Loss Ratio ¹

Part 1 - Individual PoliciesSummary

$388,458,011,3581. U.S. forms direct business $335,555,055,858 )$(24,379,575 86.38%$330,652,1482. Other forms direct business $308,158,706 $139,609 93.24%

$388,788,663,5063. Total direct business $335,863,214,564 )$(24,239,966 86.38%$4,271,915,2664. Reinsurance assumed $3,717,932,718 )$(84,288 87.03%$8,886,030,6395. Less reinsurance ceded $9,223,459,634 $9,661,856 103.91%

$384,174,548,1376. Total $330,357,687,650 )$(33,986,110 85.98%

Part 2 - Group PoliciesSummary

$237,979,364,1721. U.S. forms direct business $200,944,517,675 )$(34,387,686 84.42%$15,968,5272. Other forms direct business $11,975,922 $0 75.00%

$237,995,332,6993. Total direct business $200,956,493,597 )$(34,387,686 84.42%$3,959,403,4594. Reinsurance assumed $3,349,813,005 )$(163,269 84.60%$5,702,226,1355. Less reinsurance ceded $5,784,750,567 $9,266,338 101.61%

$236,252,510,0266. Total $198,521,556,035 )$(43,817,293 84.01%

Part 3 - Credit Policies (Individual and Group)Summary

$2,067,294,1681. U.S. forms direct business $1,755,864,745 $0 84.94%$02. Other forms direct business $0 $0 N/A

$2,067,294,1683. Total direct business $1,755,864,745 $0 84.94%$161,400,0324. Reinsurance assumed $119,927,782 $0 74.30%

$58,923,8685. Less reinsurance ceded $44,823,998 $0 76.07%$2,169,770,3336. Total $1,830,968,529 $0 84.39%

Part 4 - All Individual, Group and Credit PoliciesSummary

$628,545,588,3521. U.S. forms direct business $538,252,521,458 )$(58,767,261 85.63%$346,620,6752. Other forms direct business $320,134,628 $139,609 92.40%

$628,892,209,0273. Total direct business $538,572,656,086 )$(58,627,652 85.63%$8,392,718,7574. Reinsurance assumed $7,187,673,505 )$(247,557 85.64%

$14,646,964,9985. Less reinsurance ceded $15,053,039,808 $18,928,194 102.90%$622,637,962,7856. Total $530,707,289,785 )$(77,803,403 85.22%

¹ Loss Ratio = (Incurred Claims Amount + Change in Contract Reserves) / Premiums Earned

© 2017 National Association of Insurance Commissioners 26

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Aggregated Totals for Property/Casualty

Premiums

countrywide

Earned Claims AmountIncurred

Contract ReservesChange in

Loss Ratio ¹or Certificates

Number of Policies

as of Dec 31 as of Dec 31Covered Lives

Number ofMemberMonths

A. INDIVIDUAL BUSINESS1. Comprehensive Major Medical

$2,082,9621.1 With contract reserves $2,177,742 )$(1,948,570 739 1,252 16,19211.00%$11,669,1861.2 Without contract reserves $8,975,058 $0 3,139 3,210 42,47276.91%$13,752,1471.3 Subtotal $11,152,800 )$(1,948,570 3,878 4,462 58,66466.93%

2. Short-Term Medical$02.1 With contract reserves $0 $0 0 0 0N/A

$4,989,2292.2 Without contract reserves $4,937,148 $0 42,779 44,450 65,32998.96%$4,989,2292.3 Subtotal $4,937,148 $0 42,779 44,450 65,32998.96%

3. Other Medical (Non-Comprehensive)$87,572,3033.1 With contract reserves $40,090,836 $768,754 383,405 435,888 5,154,75346.66%

$5,716,6433.2 Without contract reserves $597,020 )$(376 330 382 13,73410.44%$93,288,9463.3 Subtotal $40,687,855 $768,378 383,735 436,270 5,168,48744.44%

4. Specified/Named Disease)$(21,5734.1 With contract reserves )$(25,639 $0 91 96 1,104118.85%

$427,8624.2 Without contract reserves $101,794 $0 1,125 1,475 18,41623.79%$406,2894.3 Subtotal $76,155 $0 1,216 1,571 19,52018.74%

5. Limited Benefit$8935.1 With contract reserves )$(85 )$(378 1 1 18(51.85)%

$2,537,0035.2 Without contract reserves $2,041,156 $0 97,159 97,159 1,066,89680.46%$2,537,8965.3 Subtotal $2,041,071 )$(378 97,160 97,160 1,066,91480.41%

6. Student$06.1 With contract reserves $0 $0 0 0 0N/A$06.2 Without contract reserves $0 $0 0 0 0N/A$06.3 Subtotal $0 $0 0 0 0N/A

7. Accident Only or AD&D$347,9547.1 With contract reserves $126,609 )$(1,597 8,782 9,507 114,59435.93%

$7,649,4997.2 Without contract reserves $9,002,654 $0 69,500 73,734 644,208117.69%$7,997,4537.3 Subtotal $9,129,263 )$(1,597 78,282 83,241 758,802114.13%

8. Disability Income - Short-Term$6,116,7068.1 With contract reserves $4,538,914 $1,372,086 8,186 8,186 96,64596.64%

$116,079,6078.2 Without contract reserves $48,284,998 )$(17,457 244,189 3,971,434 6,385,25641.58%$122,196,3138.3 Subtotal $52,823,912 $1,354,629 252,375 3,979,620 6,481,90144.34%

¹ Loss Ratio = (Incurred Claims Amount + Change in Contract Reserves) / Premiums Earned

© 2017 National Association of Insurance Commissioners 27

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Aggregated Totals for Property/Casualty

Premiums

countrywide

Earned Claims AmountIncurred

Contract ReservesChange in

Loss Ratio ¹or Certificates

Number of Policies

as of Dec 31 as of Dec 31Covered Lives

Number ofMemberMonths

A. INDIVIDUAL BUSINESS (Continued)9. Disability Income - Long-Term

$4,824,1339.1 With contract reserves )$(139,694 $625,994 3,209 3,209 38,30610.08%$15,499,7939.2 Without contract reserves $8,350,359 $0 9,117 9,117 112,91253.87%$20,323,9269.3 Subtotal $8,210,665 $625,994 12,326 12,326 151,21843.48%

10. Long-Term Care$544,983,84110.1 With contract reserves $962,300,199 $422,910,122 297,097 297,097 3,622,366254.17%

$674,12710.2 Without contract reserves $1,451,176 $0 107 107 1,284215.27%$545,657,96810.3 Subtotal $963,751,375 $422,910,122 297,204 297,204 3,623,650254.13%

11. Medicare Supplement (Medigap)$357,540,80111.1 With contract reserves $267,035,930 $67,006 135,796 135,838 1,854,20474.71%

$21,030,47511.2 Without contract reserves $13,966,614 $0 6,153 6,153 77,69266.41%$378,571,27611.3 Subtotal $281,002,543 $67,006 141,949 141,991 1,931,89674.24%

12. Dental$7,127,09112.1 With contract reserves $4,662,695 $0 197,271 417,063 3,895,00065.42%$9,044,64612.2 Without contract reserves $5,422,349 $0 45,777 45,792 444,30159.95%

$16,171,73712.3 Subtotal $10,085,044 $0 243,048 462,855 4,339,30162.36%13. State Children's Health Insurance Program

$013.1 With contract reserves $0 $0 0 0 0N/A$013.2 Without contract reserves $0 $0 0 0 0N/A$013.3 Subtotal $0 $0 0 0 0N/A

14. Medicare$5,11614.1 With contract reserves $7,791 $0 17 17 204152.29%

$39,22914.2 Without contract reserves $27,971 $0 12 12 14471.30%$44,34514.3 Subtotal $35,762 $0 29 29 34880.64%

15. Medicaid$015.1 With contract reserves $0 $0 0 0 0N/A$015.2 Without contract reserves $0 $0 0 0 0N/A$015.3 Subtotal $0 $0 0 0 0N/A

16. Medicare Part D - Stand-Alone$016.1 With contract reserves $0 $0 0 0 0N/A

$63416.2 Without contract reserves )$(39,990 $0 0 0 0(6,307.57)%$63416.3 Subtotal )$(39,990 $0 0 0 0(6,307.57)%

17. Other Individual Business$23,514,08517.1 With contract reserves $7,452,368 $90,675 298,197 271,683 10,23232.08%$76,853,90217.2 Without contract reserves $37,532,377 $0 452,250 842,214 2,517,30848.84%

$100,367,98717.3 Subtotal $44,984,745 $90,675 750,447 1,113,897 2,527,54044.91%18. Total Individual Business

$1,034,094,31218.1 With contract reserves $1,288,227,666 $423,884,094 1,332,791 1,579,837 14,803,618165.57%$272,211,83418.2 Without contract reserves $140,650,685 )$(17,833 971,637 5,095,239 11,389,95251.66%

$1,306,306,14719. Grand total individual $1,428,878,348 $423,866,261 2,304,428 6,675,076 26,193,570141.83%

¹ Loss Ratio = (Incurred Claims Amount + Change in Contract Reserves) / Premiums Earned

© 2017 National Association of Insurance Commissioners 28

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Aggregated Totals for Property/Casualty

Premiums

countrywide

Earned Claims AmountIncurred

Contract ReservesChange in

Loss Ratio ¹or Certificates

Number of Policies

as of Dec 31 as of Dec 31Covered Lives

Number ofMemberMonths

B. GROUP BUSINESSComprehensive Major Medical1. Single Employer1.1 Small employer 50,241 132,157 1,652,465265.89%$0$1,532,591,496$576,410,4001.2 Other Employer 22,390 62,965 737,119101.14%$0$326,852,347$323,176,8401.3 Single employer subtotal 72,631 195,122 2,389,584206.70%$0$1,859,443,842$899,587,2412. Multiple employer assns and trusts 0 0 0N/A$0($220,696)$03. Other associations and discretionary trusts 4,776 7,411 50,32426.30%$0$1,925,058$7,318,3944. Other comprehensive major medical 604 9,726 129,79399.10%$0$41,655,437$42,033,7705. Comprehensive/major medical subtotal 78,011 212,259 2,569,701200.52%$0$1,902,803,641$948,939,405

Other Medical (Non-Comprehensive)6. Specified/named disease 26,795 70,673 719,39867.84%$0$5,596,632$8,249,1787. Limited benefit 99,027 169,484 1,102,11640.17%($17,076)$45,378,782$112,933,0838. Student 678,117 1,227,817 12,589,68258.53%$154,135$46,639,913$79,948,2079. Accident only or AD&D 40,202,843 71,900,177 795,861,96236.33%$210,326$205,663,073$566,631,56810. Disability income - short-term 44,711 428,104 1,634,84062.64%$1,653,238$53,960,258$88,788,23711. Disability income - long-term 25,560 25,990 311,880149.42%$0$14,954,773$10,008,30512. Long-term care 208,510 208,510 2,568,833163.13%$183,916,088$91,140,318$168,607,42913. Medicare supplement 2 59 87067.84%($9,741)$92,989$122,70714. Federal Employees Health Benefit Plans 0 0 0N/A$0$0$015. Tricare 0 0 0N/A$0$0$016. Dental 58,323 87,050 706,57955.38%$0$48,231,543$87,087,00317. Medicare 0 0 0N/A$0($154,118)$018. Medicare Part D - Stand-Alone 736 736 8,55397.11%$0$3,252,955$3,349,89319. Other group care 2,300,484 23,756,628 32,487,92252.45%$0$700,113,078$1,334,798,81020. Grand total group business 43,723,119 98,087,487 850,562,33696.89%$185,906,970$3,117,673,837$3,409,463,825

C. OTHER BUSINESS1. Credit (Individual and Group) 465,718 465,718 5,483,51917.10%$0$4,728,067$27,645,9842. Stop Loss/Excess Loss 910,431 29,018,599 116,210,79381.77%$4,666,832$892,412,096$1,097,029,8543. Administrative Services Only 0 0 0XXXXXXXXXXXX4. Administrative Services Contracts 0 0 0XXXXXXXXXXXX5. Grand Total Other Business 1,376,149 29,484,317 121,694,31280.18%$4,666,832$897,140,163$1,124,675,838

D. TOTAL BUSINESS1. Total Non U.S. Policy Forms 8,462,919 16,215,055 194,572,57927.65%($48,439)$103,370,324$373,632,9962. Grand Total Individual, Group & Other Business 55,866,615 150,461,935 1,193,022,79799.15%$614,391,624$5,547,062,674$6,214,078,806

¹ Loss Ratio = (Incurred Claims Amount + Change in Contract Reserves) / Premiums Earned

© 2017 National Association of Insurance Commissioners 29

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Aggregated Totals for Property/Casualty

Premiums

countrywide

Earned Claims AmountIncurred

Contract ReservesChange in

Loss Ratio ¹

Part 1 - Individual PoliciesSummary

$1,407,347,8201. U.S. forms direct business $1,484,166,917 $423,866,485 135.58%$115,329,9332. Other forms direct business $45,590,987 $0 39.53%

$1,522,677,7533. Total direct business $1,529,757,904 $423,866,485 128.30%$2,784,279,5894. Reinsurance assumed $1,495,078,726 $42,111,417 55.21%$1,544,111,8935. Less reinsurance ceded $809,295,946 $17,843,905 53.57%$2,762,845,4486. Total $2,215,540,684 $448,133,997 96.41%

Part 2 - Group PoliciesSummary

$4,352,075,0631. U.S. forms direct business $2,865,170,704 $189,939,178 70.20%$211,240,6732. Other forms direct business $134,220,449 $0 63.54%

$4,563,315,7373. Total direct business $2,999,391,154 $189,939,178 69.89%$3,657,957,7144. Reinsurance assumed $2,106,561,228 $4,175,782 57.70%$3,315,605,0185. Less reinsurance ceded $1,953,504,337 $6,112,822 59.10%$4,905,668,4366. Total $3,152,448,045 $188,002,138 68.09%

Part 3 - Credit Policies (Individual and Group)Summary

$27,673,7341. U.S. forms direct business $5,142,705 $0 18.58%$151,901,3342. Other forms direct business $24,484,406 $0 16.12%$179,575,0683. Total direct business $29,627,111 $0 16.50%

$1,091,4994. Reinsurance assumed $133,453 $0 12.23%$134,599,0995. Less reinsurance ceded $15,732,000 $0 11.69%

$46,067,4686. Total $14,028,564 $0 30.45%

Part 4 - All Individual, Group and Credit PoliciesSummary

$5,871,498,4921. U.S. forms direct business $4,438,521,318 $613,805,663 86.05%$394,070,0642. Other forms direct business $120,254,849 $0 30.52%

$6,265,568,5573. Total direct business $4,558,776,168 $613,805,663 82.56%$6,443,328,8004. Reinsurance assumed $3,601,773,405 $46,287,199 56.62%$4,994,316,0095. Less reinsurance ceded $2,778,532,282 $23,956,727 56.11%$7,714,581,3496. Total $5,382,017,292 $636,136,135 78.01%

¹ Loss Ratio = (Incurred Claims Amount + Change in Contract Reserves) / Premiums Earned

© 2017 National Association of Insurance Commissioners 30

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Aggregated Totals for Fraternal

Premiums

countrywide

Earned Claims AmountIncurred

Contract ReservesChange in

Loss Ratio ¹or Certificates

Number of Policies

as of Dec 31 as of Dec 31Covered Lives

Number ofMemberMonths

A. INDIVIDUAL BUSINESS1. Comprehensive Major Medical1.1 With contract reserves 814 916 11,106$3,230,433 $2,283,769 123.76%$1,714,1981.2 Without contract reserves 6 7 90$55,837 $1,538 2.75%$01.3 Subtotal 820 923 11,196$3,286,270 $2,285,307 121.70%$1,714,1982. Short-Term Medical2.1 With contract reserves 0 0 0$0 $0 N/A$02.2 Without contract reserves 0 0 0$0 $0 N/A$02.3 Subtotal 0 0 0$0 $0 N/A$03. Other Medical (Non-Comprehensive)3.1 With contract reserves 15,968 18,933 236,190$2,932,901 $2,019,055 60.10%($256,463)3.2 Without contract reserves 204 205 2,473$9,414 $147 (124.14)%($11,834)3.3 Subtotal 16,172 19,138 238,663$2,942,315 $2,019,202 59.51%($268,297)4. Specified/Named Disease4.1 With contract reserves 27,608 27,624 342,534$5,897,865 $2,010,100 64.23%$1,777,8164.2 Without contract reserves 16,463 22,517 192,791$1,010,939 $321,392 27.79%($40,431)4.3 Subtotal 44,071 50,141 535,325$6,908,804 $2,331,492 58.89%$1,737,3855. Limited Benefit5.1 With contract reserves 1,636 1,636 18,072$1,829,853 $252,793 13.81%$05.2 Without contract reserves 0 0 0$0 $0 N/A$05.3 Subtotal 1,636 1,636 18,072$1,829,853 $252,793 13.81%$06. Student6.1 With contract reserves 0 0 0$0 $0 N/A$06.2 Without contract reserves 0 0 0$0 $0 N/A$06.3 Subtotal 0 0 0$0 $0 N/A$07. Accident Only or AD&D7.1 With contract reserves 119,021 120,423 1,246,950$24,390,027 $10,631,987 50.82%$1,762,8837.2 Without contract reserves 44,859 48,184 545,607$2,407,440 $586,700 26.00%$39,3047.3 Subtotal 163,880 168,607 1,792,557$26,797,467 $11,218,687 48.59%$1,802,1878. Disability Income - Short-Term8.1 With contract reserves 8,858 7,968 99,085$1,890,396 $1,957,059 50.96%($993,743)8.2 Without contract reserves 2,514 2,515 29,719$1,227,726 $933,999 68.26%($95,992)8.3 Subtotal 11,372 10,483 128,804$3,118,122 $2,891,058 57.77%($1,089,735)

¹ Loss Ratio = (Incurred Claims Amount + Change in Contract Reserves) / Premiums Earned

© 2017 National Association of Insurance Commissioners 31

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Aggregated Totals for Fraternal

Premiums

countrywide

Earned Claims AmountIncurred

Contract ReservesChange in

Loss Ratio ¹or Certificates

Number of Policies

as of Dec 31 as of Dec 31Covered Lives

Number ofMemberMonths

A. INDIVIDUAL BUSINESS (Continued)9. Disability Income - Long-Term

$45,567,6529.1 With contract reserves $17,201,139 )$(3,660,673 75,314 75,573 918,21029.72%$4109.2 Without contract reserves $3,689 $0 1 1 12899.76%

$45,568,0629.3 Subtotal $17,204,828 )$(3,660,673 75,315 75,574 918,22229.72%10. Long-Term Care

$269,051,78910.1 With contract reserves $303,539,707 $400,617,620 160,445 175,858 2,093,742261.72%$1,02110.2 Without contract reserves )$(256 $0 2 2 24(25.07)%

$269,052,81010.3 Subtotal $303,539,451 $400,617,620 160,447 175,860 2,093,766261.72%11. Medicare Supplement (Medigap)

$184,589,21611.1 With contract reserves $131,799,589 $2,242,174 84,456 86,565 841,04072.62%$12,513,17211.2 Without contract reserves $8,276,464 $0 4,368 4,368 48,53266.14%

$197,102,38811.3 Subtotal $140,076,053 $2,242,174 88,824 90,933 889,57272.21%12. Dental

$012.1 With contract reserves $0 $0 0 0 0N/A$012.2 Without contract reserves $0 $0 0 0 0N/A$012.3 Subtotal $0 $0 0 0 0N/A

13. State Children's Health Insurance Program$013.1 With contract reserves $0 $0 0 0 0N/A$013.2 Without contract reserves $0 $0 0 0 0N/A$013.3 Subtotal $0 $0 0 0 0N/A

14. Medicare$44,334,68014.1 With contract reserves $32,484,209 $73,770 15,073 15,073 194,92173.44%

$014.2 Without contract reserves $0 $0 0 0 0N/A$44,334,68014.3 Subtotal $32,484,209 $73,770 15,073 15,073 194,92173.44%

15. Medicaid$015.1 With contract reserves $0 $0 0 0 0N/A$015.2 Without contract reserves $0 $0 0 0 0N/A$015.3 Subtotal $0 $0 0 0 0N/A

16. Medicare Part D - Stand-Alone$016.1 With contract reserves $0 $0 0 0 0N/A$016.2 Without contract reserves $0 $0 0 0 0N/A$016.3 Subtotal $0 $0 0 0 0N/A

17. Other Individual Business$425,32317.1 With contract reserves $154,956 )$(173,606 14,271 15,116 193,500(4.38)%

$5,669,73417.2 Without contract reserves $4,270,977 )$(6,518 10,301 10,688 127,12275.21%$6,095,05717.3 Subtotal $4,425,933 )$(180,124 24,572 25,804 320,62269.66%

18. Total Individual Business$584,140,13518.1 With contract reserves $504,334,362 $403,103,976 523,464 545,685 6,195,350155.35%

$22,895,69318.2 Without contract reserves $14,394,650 )$(115,471 78,718 88,487 946,37062.37%$607,035,82819. Grand total individual $518,729,012 $402,988,505 602,182 634,172 7,141,720151.84%

¹ Loss Ratio = (Incurred Claims Amount + Change in Contract Reserves) / Premiums Earned

© 2017 National Association of Insurance Commissioners 32

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Aggregated Totals for Fraternal

Premiums

countrywide

Earned Claims AmountIncurred

Contract ReservesChange in

Loss Ratio ¹or Certificates

Number of Policies

as of Dec 31 as of Dec 31Covered Lives

Number ofMemberMonths

B. GROUP BUSINESSComprehensive Major Medical1. Single Employer1.1 Small employer 0 0 0$0$0 N/A$01.2 Other Employer 0 0 0$0$0 N/A$01.3 Single employer subtotal 0 0 0$0$0 N/A$02. Multiple employer assns and trusts 0 0 0$0$0 N/A$03. Other associations and discretionary trusts 0 0 0$0$0 N/A$04. Other comprehensive major medical 0 0 0$0$0 N/A$05. Comprehensive/major medical subtotal 0 0 0$0$0 N/A$0

Other Medical (Non-Comprehensive)6. Specified/named disease 0 0 0$0$0 N/A$07. Limited benefit 0 0 0$0$0 N/A$08. Student 0 0 0$0$0 N/A$09. Accident only or AD&D 0 0 0$0$0 N/A$010. Disability income - short-term 0 0 0$0$122,968 N/A$011. Disability income - long-term 0 0 0$0$1,606 N/A$012. Long-term care 0 0 0$0$0 N/A$013. Medicare supplement 0 0 0$0$0 N/A$014. Federal Employees Health Benefit Plans 0 0 0$0$0 N/A$015. Tricare 0 0 0$0$0 N/A$016. Dental 0 0 0$0$0 N/A$017. Medicare 0 0 0$0$0 N/A$018. Medicare Part D - Stand-Alone 0 0 0$0$0 N/A$019. Other group care 0 0 0$0$0 N/A$020. Grand total group business 0 0 0$0$124,574 N/A$0

C. OTHER BUSINESS1. Credit (Individual and Group) 0 0 0$0$0 N/A$02. Stop Loss/Excess Loss 5 2,503 30,273$0$3,307,104 98.62%$3,353,3093. Administrative Services Only 0 0 0XXXXXX XXXXXX4. Administrative Services Contracts 0 0 0XXXXXX XXXXXX5. Grand Total Other Business 5 2,503 30,273$0$3,307,104 98.62%$3,353,309

D. TOTAL BUSINESS1. Total Non U.S. Policy Forms 6,838 6,832 81,876$1,578,451$929,565 67.14%$3,735,5712. Grand Total Individual, Group & Other Business 609,025 643,507 7,253,869$404,566,956$523,090,255 151.05%$614,124,708

¹ Loss Ratio = (Incurred Claims Amount + Change in Contract Reserves) / Premiums Earned

© 2017 National Association of Insurance Commissioners 33

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Aggregated Totals for Fraternal

Premiums

countrywide

Earned Claims AmountIncurred

Contract ReservesChange in

Loss Ratio ¹

Part 1 - Individual PoliciesSummary

$601,591,2631. U.S. forms direct business $513,961,381 $402,691,154 152.37%$3,625,2192. Other forms direct business $1,205,422 $1,578,451 76.79%

$605,216,4823. Total direct business $515,166,803 $404,269,605 151.92%$04. Reinsurance assumed $0 $0 N/A

$118,637,2955. Less reinsurance ceded $80,393,788 $11,614,459 77.55%$486,579,1876. Total $434,773,015 $392,655,146 170.05%

Part 2 - Group PoliciesSummary

$3,353,3091. U.S. forms direct business $3,431,678 $0 102.34%$02. Other forms direct business $0 $0 N/A

$3,353,3093. Total direct business $3,431,678 $0 102.34%$04. Reinsurance assumed $0 $0 N/A

$185,1055. Less reinsurance ceded $1,053,377 $0 569.07%$3,168,2046. Total $2,378,301 $0 75.07%

Part 3 - Credit Policies (Individual and Group)Summary

$01. U.S. forms direct business $0 $0 N/A$02. Other forms direct business $0 $0 N/A$03. Total direct business $0 $0 N/A$04. Reinsurance assumed $0 $0 N/A$05. Less reinsurance ceded $0 $0 N/A$06. Total $0 $0 N/A

Part 4 - All Individual, Group and Credit PoliciesSummary

$604,944,5721. U.S. forms direct business $517,393,059 $402,691,154 152.09%$3,625,2192. Other forms direct business $1,205,422 $1,578,451 76.79%

$608,569,7913. Total direct business $518,598,481 $404,269,605 151.65%$04. Reinsurance assumed $0 $0 N/A

$118,822,4005. Less reinsurance ceded $81,447,165 $11,614,459 78.32%$489,747,3916. Total $437,151,316 $392,655,146 169.44%

¹ Loss Ratio = (Incurred Claims Amount + Change in Contract Reserves) / Premiums Earned

© 2017 National Association of Insurance Commissioners 34

Accident and Health Policy Experience ReportIndividual Business

© 2017 National Association of Insurance Commissioners 35

Page Intentionally Left Blank

© 2017 National Association of Insurance Commissioners 36

Market Share for the Top 125 InsurersIndividual Business

© 2017 National Association of Insurance Commissioners 37

Page Intentionally Left Blank

© 2017 National Association of Insurance Commissioners 38

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share for All Statement Types

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

$73,196,169,763 16,291,697UNITEDHEALTH GRP7071 15,862,41281.78% 16.07% 16.07%$42,794,325,621 10,572,098HUMANA GRP1192 9,856,32986.35% 9.40% 25.47%$32,943,379,982 7,375,201ANTHEM INC GRP6713 6,991,95684.07% 7.23% 32.71%$30,060,190,719 6,640,281AETNA GRP14 6,261,59282.53% 6.60% 39.31%$23,607,623,232 4,788,723CENTENE CORP GRP12955 4,820,35389.58% 5.18% 44.49%$15,379,687,456 3,508,113MOLINA HEALTHCARE INC GRP15316 3,358,07684.37% 3.38% 47.87%$12,869,268,654 2,362,079INDEPENDENCE HLTH GRP INC GRP9367 2,280,60690.92% 2.83% 50.70%$12,581,290,688 3,532,788WELLCARE GRP11998 3,532,78883.17% 2.76% 53.46%$10,756,583,084 2,984,569HCSC GRP9179 2,461,18192.21% 2.36% 55.82%

$9,629,931,575 2,345,656CIGNA HLTH GRP90110 2,123,45885.99% 2.11% 57.94%$7,186,389,377 1,417,541CARESOURCE GRP368311 1,391,32988.74% 1.58% 59.51%$6,510,636,742 1,241,121BCBS OF NJ GRP120212 1,170,58986.93% 1.43% 60.94%$6,422,160,141 1,212,778GUIDEWELL MUT HOLDING GRP53613 921,88877.56% 1.41% 62.35%$6,359,582,186 977,750HIGHMARK GRP81214 915,08789.43% 1.40% 63.75%$4,710,231,470 19,451,395AFLAC GRP37015 10,310,27455.17% 1.03% 64.79%$4,536,377,031 939,438BCBS OF TN GRP349816 862,09886.39% 1.00% 65.78%$4,170,400,856 849,241UPMC HLTH SYSTEM GRP132417 849,24192.30% 0.92% 66.70%$3,911,962,219 847,885BCBS OF NC GRP75818 662,11080.29% 0.86% 67.56%$3,711,309,612 808,143BCBS OF MI GRP57219 706,12991.35% 0.82% 68.37%$3,640,911,086 792,592BCBS OF MN GRP46120 754,42194.50% 0.80% 69.17%$3,495,233,131 598,741MEDICA GRP155221 574,07998.40% 0.77% 69.94%$3,470,570,872 879,117CAIDAN ENTERPRISES INC GRP464022 879,11788.62% 0.76% 70.70%$3,090,755,004 4,331,021CVS CAREMARK GRP466723 4,328,77670.81% 0.68% 71.38%$2,993,340,618 2,082,651MUTUAL OF OMAHA GRP26124 1,916,75376.10% 0.66% 72.04%$2,960,121,936 450,745EMBLEM HLTH GRP112725 418,89093.33% 0.65% 72.69%$2,527,534,051 1,111,779GENWORTH FIN GRP401126 1,016,745145.93% 0.56% 73.24%$2,459,836,997 3,603,080UNUM GRP56527 3,581,09498.98% 0.54% 73.78%$2,448,150,435 488,839KAISER FOUNDATION GRP60128 381,730108.62% 0.54% 74.32%$2,239,411,604 138,960HEALTHFIRST INC GRP477829 138,96086.38% 0.49% 74.81%$2,228,875,819 423,832LIFETIME HLTHCARE GRP118630 415,47190.86% 0.49% 75.30%$2,150,139,787 354,461NEIGHBORHOOD HLTH PLAN INC1110931 333,419101.60% 0.47% 75.77%$2,139,971,036 478,897CARE 1ST HEALTH PLAN1514332 478,89784.36% 0.47% 76.24%$2,022,997,091 314,856GEISINGER INS GRP114333 304,78686.27% 0.44% 76.69%

© 2017 National Association of Insurance Commissioners 39

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share for All Statement Types

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

$2,018,031,558 599,392TRIPLE S GRP480234 578,35987.91% 0.44% 77.13%$1,916,965,195 273,342HEALTH PARTNERS PLANS INC9506635 273,34279.18% 0.42% 77.55%$1,822,769,313 500,978INDIANA UNIVERSITY HLTH GRP463736 500,97892.87% 0.40% 77.95%$1,785,890,726 338,888SPECTRUM HLTH GRP338337 299,88988.40% 0.39% 78.34%$1,777,766,657 228,653MEDICAL CARD SYSTEM INC GRP130138 224,56186.01% 0.39% 78.74%$1,752,378,468 298,498UNIVERSITY HLTH CARE INC5262139 298,49895.25% 0.38% 79.12%$1,743,942,937 525,616BCBS OF AL GRP57040 426,72989.62% 0.38% 79.50%$1,735,597,212 1,029,435NORTHWESTERN MUT GRP86041 1,029,43568.38% 0.38% 79.88%$1,733,580,957 272,468MVP GRP119842 264,80087.32% 0.38% 80.27%$1,713,346,230 296,398PRESBYTERIAN HLTHCARE SERV GRP48143 293,97183.68% 0.38% 80.64%$1,694,177,114 1,426,161CNO FINANCIAL GRP23344 1,182,81598.70% 0.37% 81.01%$1,690,478,180 152,183UCARE GRP438045 146,95392.62% 0.37% 81.38%$1,647,195,447 416,861BCBS OF SC GRP66146 338,64587.41% 0.36% 81.75%$1,630,823,936 509,278ARKANSAS BCBS GRP87647 379,07288.44% 0.36% 82.10%$1,601,396,850 288,269CAMBIA HEALTH SOLUTIONS INC120748 241,93884.93% 0.35% 82.46%$1,573,349,382 290,316BOSTON MEDICAL CENTER HLTH PLAN INC1320349 282,49189.45% 0.35% 82.80%$1,407,182,069 119,004AMERICAS 1ST CHOICE GRP475550 119,00471.75% 0.31% 83.11%$1,401,766,828 171,033INDEPENDENT HLTH ASSN GRP489451 167,66191.17% 0.31% 83.42%$1,384,931,772 125,518UNIVERSAL AMER FIN CORP GRP95352 124,75982.35% 0.30% 83.72%$1,384,082,184 594,889JOHN HANCOCK GRP90453 594,822160.75% 0.30% 84.03%$1,378,407,940 440,215CAREFIRST INC GRP38054 305,08193.74% 0.30% 84.33%$1,351,788,389 329,483IHC INC GRP88055 234,920104.02% 0.30% 84.63%$1,306,823,835 386,373BCBS OF MA GRP363756 366,07794.56% 0.29% 84.91%$1,282,993,808 438,162TUFTS GRP474257 432,92590.48% 0.28% 85.19%$1,254,315,000 224,253HEALTHPARTNERS GRP125858 194,03191.29% 0.28% 85.47%$1,198,929,277 252,788VANGUARD HLTH VENTURES GRP121259 251,78586.53% 0.26% 85.73%$1,159,346,301 224,141HAWAII MEDICAL SERV ASSN4994860 218,29085.37% 0.25% 85.99%$1,121,899,974 192,083NEIGHBORHOOD HLTH PLAN OF RI INC9540261 192,08387.19% 0.25% 86.23%$1,117,346,058 355,161COMMUNITY HLTH CHOICE INC9561562 322,24090.46% 0.25% 86.48%$1,111,235,974 217,785PREMERA BLUE CROSS GRP96263 155,61393.13% 0.24% 86.72%$1,100,324,958 782,194METROPOLITAN GRP24164 318,729161.84% 0.24% 86.97%$1,073,251,891 310,751COMMUNITY HLTH PLAN OF WA4704965 310,75188.68% 0.24% 87.20%$1,066,972,336 430,259TEXAS CHILDRENS HLTH PLAN INC9532966 430,25989.52% 0.23% 87.44%

© 2017 National Association of Insurance Commissioners 40

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share for All Statement Types

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

$1,039,764,850 190,386PROVIDENCE HLTH GRP478867 151,19597.04% 0.23% 87.66%$992,509,173 211,104SENTARA HLTH MGMT GRP118368 211,51695.60% 0.22% 87.88%$983,346,025 209,589LOUISIANA HLTH SERV GRP43869 156,86392.49% 0.22% 88.10%$939,714,581 395,068WELLMARK INC GRP77070 349,71886.60% 0.21% 88.30%$902,091,594 188,418MCLAREN HLTH GRP470071 187,66887.90% 0.20% 88.50%$885,457,396 152,672CARLE HOLDING CO GRP119272 140,91599.23% 0.19% 88.70%$877,070,379 245,439MEDICAL MUT OF OH GRP73073 164,40897.53% 0.19% 88.89%$874,104,991 143,906CDPHP INC GRP470874 142,19691.27% 0.19% 89.08%$870,563,823 3,727,102TORCHMARK CORP GRP29075 2,557,58166.17% 0.19% 89.27%$868,608,226 121,969GROUP HLTH COOP GRP118576 102,65798.33% 0.19% 89.46%$841,823,433 1,253,133AEGON US HOLDING GRP46877 878,512134.05% 0.18% 89.65%$840,566,181 24,224ELDERPLAN INC9566278 24,22483.80% 0.18% 89.83%$799,024,778 76,698HEALTH NOW NY INC5520479 72,77891.19% 0.18% 90.01%$779,960,508 2,931,282MCNA GRP473080 2,931,28280.51% 0.17% 90.18%$758,684,276 128,002SECURITY HLTH PLAN OF WI INC9688181 120,65688.19% 0.17% 90.35%$754,363,003 146,643MEDSTAR FAMILY CHOICE1422782 146,64391.14% 0.17% 90.51%$745,773,266 399,468GUARDIAN LIFE GRP42983 368,37581.07% 0.16% 90.68%$736,582,063 0PEOPLES HLTH INC1360784 085.00% 0.16% 90.84%$736,495,139 131,620BCBS OF RI5347385 116,57887.22% 0.16% 91.00%$735,436,625 68,647FALLON GRP474186 66,48888.03% 0.16% 91.16%$709,048,918 0HEALTH SUN HLTH PLANS1012287 083.75% 0.16% 91.32%$707,738,251 328,732MASS MUT LIFE INS GRP43588 342,19683.27% 0.16% 91.47%$703,275,543 197,267CAPITAL BLUE CROSS GRP123089 160,10492.97% 0.15% 91.63%$694,079,929 879,759STATE FARM GRP17690 827,20089.47% 0.15% 91.78%$693,575,814 186,748BCBS OF AZ INC5358991 129,88688.33% 0.15% 91.93%$687,269,112 369,335BLUE CROSS OF ID GRP129092 358,27187.64% 0.15% 92.08%$685,320,782 63,022MAGELLAN HLTH INC GRP126093 63,02279.27% 0.15% 92.23%$684,365,021 319,374BCBS OF KS GRP43094 265,03799.69% 0.15% 92.38%$662,286,635 62,238ESSENCE HLTHCARE INC1169995 62,23872.82% 0.15% 92.53%$661,363,571 263,541OREGON DENTAL GRP131396 228,88493.46% 0.15% 92.67%$642,069,122 104,698NETWORK HLTH GRP267897 102,92790.95% 0.14% 92.81%$619,303,272 531,068EXPRESS SCRIPTS HOLDING GRP481398 531,06874.08% 0.14% 92.95%$603,305,002 67,825HENRY FORD HLTH SYSTEM GRP131199 56,71092.48% 0.13% 93.08%

© 2017 National Association of Insurance Commissioners 41

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share for All Statement Types

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

$590,857,118 0MEDISUN INC95982100 089.21% 0.13% 93.21%$589,865,638 56,422CHE TRINITY INC GRP2838101 56,42292.45% 0.13% 93.34%$583,526,175 138,251SCOTT & WHITE GRP600102 114,520111.50% 0.13% 93.47%$547,787,500 243,828FAMILY HLTH NETWORK GRP4843103 243,82891.38% 0.12% 93.59%$534,710,803 59,252AVMED INC95263104 46,13890.64% 0.12% 93.71%$526,370,140 507,777CHUBB LTD GRP626105 253,93553.52% 0.12% 93.82%$525,194,145 139,286BCBS OF KC GRP537106 105,12294.73% 0.12% 93.94%$524,267,492 83,793BAYSTATE HLTH GRP4756107 81,85291.82% 0.12% 94.05%$522,508,757 197,988PARKLAND COMM HLTH PLAN INC95414108 387.27% 0.11% 94.17%$521,564,658 45,456VIVA HLTH INC95322109 45,37984.13% 0.11% 94.28%$516,106,072 165,156DRISCOLL CHILDRENS HLTH PLAN95809110 165,15688.05% 0.11% 94.40%$494,358,684 121,243CATHOLIC HLTH INITIATIVES GRP4807111 118,93699.63% 0.11% 94.51%$467,761,356 94,778HEALTH PLAN GRP1297112 94,72194.99% 0.10% 94.61%$455,175,398 152,870BCBS OF NE GRP4858113 126,20896.96% 0.10% 94.71%$434,276,287 119,234FIRSTCARE GRP3549114 111,64590.08% 0.10% 94.80%$432,524,877 369,530ENVISION INS CO12747115 369,53097.41% 0.09% 94.90%$427,869,516 104,308MULBERRY HLTH GRP4818116 72,749120.77% 0.09% 94.99%$427,496,584 186,885PRINCIPAL FIN GRP332117 186,88564.65% 0.09% 95.09%$424,739,224 48,661HEALTH FIRST GRP4740118 44,10781.65% 0.09% 95.18%$421,078,183 114,868DEAN HLTH GRP1294119 99,60696.19% 0.09% 95.27%$409,571,172 49,974PACIFICSOURCE HLTH PLAN GRP4704120 44,89994.25% 0.09% 95.36%$402,257,613 109,172HARVARD PILGRIM HLTH CARE GRP595121 91,40899.37% 0.09% 95.45%$389,713,037 136,836COMMUNITY FIRST GRP2738122 135,26888.89% 0.09% 95.54%$359,490,081 36,189SANFORD HLTH GRP1246123 29,66496.93% 0.08% 95.61%$353,923,359 233,949AMERIPRISE FIN GRP4124 233,949172.09% 0.08% 95.69%$348,138,833 134,337COOK CHILDRENS HLTH PLAN95822125 134,33781.15% 0.08% 95.77%

$455,356,955,370 159,941,244GRAND TOTAL 135,695,93187.46% 100.00%

© 2017 National Association of Insurance Commissioners 42

Top 25 Groups by CompanyIndividual Business

© 2017 National Association of Insurance Commissioners 43

Page Intentionally Left Blank

© 2017 National Association of Insurance Commissioners 44

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share for All Statement Types

Top 25 Groups by Company

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code as of Dec 31 as of Dec 31Covered Lives

Number of

Rank Group/Company Name

Group

$73,196,169,763 16,291,69715,862,412UNITEDHEALTH GRP7071 81.78% 16.07%$1,173,233,150 226,898138,747ALL SAVERS INS CO82406 102.05%$2,549,219,813 491,811491,811AMERICHOICE OF NJ INC95497 82.46%$1,155,085,879 85,82885,828CARE IMPROVEMENT PLUS OF TX INS CO12558 80.13%$3,705,726,364 273,804273,804CARE IMPROVEMENT PLUS S CENTRAL INS12567 76.37%

$79,144,784 8,2828,282CARE IMPROVEMENT PLUS WI INS CO14041 85.25%$185,230,577 234,460153,101GOLDEN RULE INS CO62286 67.15%$146,904,291 35,25421,374HARKEN HLTH INS CO79480 173.20%

$1,729,869,310 369,256354,345HEALTH PLAN OF NV96342 85.51%)$(1,009 00MEDICA HLTH PLANS OF FL INC12756 0.00%

$533,914,092 38,56838,568MEDICA HLTHCARE PLANS INC12155 79.63%$40,185 375211NATIONAL PACIFIC DENTAL INC95251 77.19%

$0 00NEIGHBORHOOD HLTH PARTNERSHIP INC95123 N/A$650,832 3,9493,949NEVADA PACIFIC DENTAL INC95758 70.51%

$66,669,909 3,3032,289OXFORD HLTH INS INC78026 118.72%$453,374,346 43,76843,768OXFORD HLTH PLANS CT INC96798 78.11%

$1,013,180,695 99,14796,454OXFORD HLTH PLANS NJ INC95506 77.45%$994,859,283 96,69691,613OXFORD HLTH PLANS NY INC95479 90.80%

$10,571,614 3,8683,868PACIFICARE LIFE & HLTH INS CO70785 80.51%$60,031 00PACIFICARE OF AZ INC95617 2,302.95%

$2,135,284,206 219,413219,413PACIFICARE OF CO INC95434 80.82%)$(1,332,282 00PACIFICARE OF NV INC95685 0.00%

$419,562,384 32,26732,267PHYSICIANS HLTH CHOICE OF TX LLC11494 89.06%$1,483,873,494 131,116131,116PREFERRED CARE PARTNERS INC11176 83.37%

$362,069,008 61,46546,959SIERRA HLTH & LIFE INS CO INC71420 89.44%$357,946,870 421,815421,815SYMPHONIX HLTH INS INC84549 78.72%

$1,279,231,222 284,644280,793UNITED HLTH CARE OF MS INC95716 89.33%$2,285,902,461 772,315797,246UNITED HLTHCARE INS CO OF NY60093 77.88%

$854,155,269 184,231176,454UNITED HLTHCARE MID ATLANTIC INC95025 79.73%$555,698,896 69,25661,718UNITED HLTHCARE OF AL INC95784 81.13%

$23,849,833 7,4777,357UNITED HLTHCARE OF AR INC95446 122.09%

© 2017 National Association of Insurance Commissioners 45

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share for All Statement Types

Top 25 Groups by Company

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code as of Dec 31 as of Dec 31Covered Lives

Number of

Rank Group/Company Name

Group

$901,635 2422UNITED HLTHCARE OF AZ INC960161 (86.82)%$31,918,227 5,3343,454UNITED HLTHCARE OF CO INC95090 103.55%

$2,524,228,842 381,467355,836UNITED HLTHCARE OF FL INC95264 88.66%$218,787,272 27,67621,982UNITED HLTHCARE OF GA INC95850 97.45%

$13,574,090 2,0711,457UNITED HLTHCARE OF KY LTD96644 111.14%$1,733,145,933 447,417437,998UNITED HLTHCARE OF LA INC95833 82.75%

$576,028,868 117,767109,190UNITED HLTHCARE OF MIDLANDS INC95591 87.22%$58,262,324 11,5566,994UNITED HLTHCARE OF OH INC95186 95.37%

$497,157,417 55,90155,901UNITED HLTHCARE OF UT INC95501 86.90%$2,706,300,052 211,222211,222UNITEDHEALTHCARE BENEFITS OF TX INC95174 85.52%$1,244,195,206 259,181257,938UNITEDHEALTHCARE COMM PLAN INC95467 79.58%$2,059,210,794 293,677293,677UNITEDHEALTHCARE COMM PLAN OF OH INC12323 82.54%$2,433,095,963 254,682254,682UNITEDHEALTHCARE COMM PLAN OF TX LLC11141 85.99%

$15,484,293,535 6,691,0156,676,601UNITEDHEALTHCARE INS CO79413 78.87%$597,075,994 223,171141,334UNITEDHEALTHCARE LIFE INS CO97179 107.92%

$4,885 11UNITEDHEALTHCARE OF IL INC95776 25.12%$1,889,193,723 233,682227,227UNITEDHEALTHCARE OF MIDWEST INC96385 77.72%

$712,499,353 132,77191,368UNITEDHEALTHCARE OF NC INC95103 81.90%$870,521,125 125,101124,722UNITEDHEALTHCARE OF NEW ENGLAND INC95149 84.80%$865,674,826 89,44489,444UNITEDHEALTHCARE OF NM INC13214 78.14%

$3,870,380,256 675,888673,110UNITEDHEALTHCARE OF NY INC95085 79.65%$971,057,305 96,28196,281UNITEDHEALTHCARE OF OR INC95893 82.36%

$1,348,617,917 276,981272,071UNITEDHEALTHCARE OF PA INC95220 77.97%$60,148 55UNITEDHEALTHCARE OF TX INC95765 79.66%

$851,643,574 228,171226,930UNITEDHEALTHCARE OF WA INC48038 84.93%$4,316,746,451 502,395502,383UNITEDHEALTHCARE OF WI INC95710 75.18%$3,434,484,418 717,364717,364UNITEDHEALTHCARE PLAN OF THE RIVER V95378 80.85%

$333,134,123 32,18630,068UNITEDHEATHCARE OF OK INC96903 82.95%

$42,794,325,621 10,572,0989,856,329HUMANA GRP1192 86.35% 9.40%$812,892,080 82,41882,418ARCADIAN HLTH PLAN INC12151 95.58%

© 2017 National Association of Insurance Commissioners 46

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share for All Statement Types

Top 25 Groups by Company

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code as of Dec 31 as of Dec 31Covered Lives

Number of

Rank Group/Company Name

Group

$1,721,376,352 110,460110,460CAREPLUS HLTH PLANS INC950922 81.17%$1,282,722,206 118,513118,513CARITEN HLTH PLAN INC95754 81.29%

$128,303,177 16,52716,527CHA HMO INC95158 87.50%$14,809,120 128,14388,378COMPBENEFITS CO52015 36.53%

$5,830,478 34,63224,970COMPBENEFITS DENTAL INC11228 39.86%$3,390,983 20,65314,308COMPBENEFITS INS CO60984 80.79%$7,728,469 38,80828,257DENTICARE INC95161 33.51%

$681,516,104 65,34865,348HUMANA BENEFIT PLAN OF IL INC60052 81.01%$1,267,581,734 237,696171,009HUMANA EMPLOYERS HLTH PLAN GA INC95519 117.62%$1,594,618,194 170,914163,072HUMANA HLTH BENEFIT PLAN OF LA INC95642 80.42%

$108,050,287 12,22112,221HUMANA HLTH CO OF NY INC13558 90.80%$111,736,621 17,10214,966HUMANA HLTH INS CO OF FL INC69671 79.33%

$7,107,449,046 769,352601,287HUMANA HLTH PLAN INC95885 86.86%$524,779,830 54,68152,604HUMANA HLTH PLAN OF OH INC95348 89.01%$116,125,054 39,65826,790HUMANA HLTH PLAN OF TX INC95024 168.03%$256,252,508 32,47032,290HUMANA HLTH PLANS OF PR95721 95.35%

$17,429,011,850 6,937,4226,717,240HUMANA INS CO73288 82.15%$11,308,470 5,3545,354HUMANA INS CO OF KY60219 71.86%

$227,343,392 164,394163,005HUMANA INS CO OF NY12634 82.51%$11,536,974 8,2498,249HUMANA INS CO OF PR INC84603 88.08%

$8,270,231,384 1,016,352954,082HUMANA MEDICAL PLAN INC95270 84.37%$115,927,583 30,07423,318HUMANA MEDICAL PLAN OF MI INC14224 86.74%

$56,091,074 6,5506,550HUMANA MEDICAL PLAN OF PA INC14462 84.57%$45,973,665 11,0689,211HUMANA MEDICAL PLAN OF UT INC12908 115.16%$30,601,317 2,9392,939HUMANA REGIONAL HLTH PLAN INC12282 85.24%

$487,298,299 48,44348,443HUMANA WI HLTH ORG INS CORP95342 84.48%$66,117,112 188,438146,275HUMANADENTAL INS CO70580 59.38%

$215,489,095 27,36027,360INDEPENDENT CARE HLTH PLAN11695 83.98%$78,880,891 162,832110,027KANAWHA INS CO65110 830.19%

$3,352,272 13,02710,858THE DENTAL CONCERN INC54739 48.38%

© 2017 National Association of Insurance Commissioners 47

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share for All Statement Types

Top 25 Groups by Company

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code as of Dec 31 as of Dec 31Covered Lives

Number of

Rank Group/Company Name

Group

$32,943,379,982 7,375,2016,991,956ANTHEM INC GRP6713 84.07% 7.23%$18,750,031 1,9631,963AMERIGROUP COMM CARE OF NM INC12354 86.78%

$1,432,590,828 404,090404,090AMERIGROUP FL INC95093 89.21%$624,213,129 159,385159,385AMERIGROUP INS CO14078 87.69%$787,989,321 193,856193,856AMERIGROUP IOWA INC15807 115.86%$997,723,977 131,362131,362AMERIGROUP KS INC14276 86.25%$785,341,629 233,360233,360AMERIGROUP LA INC14064 84.68%

$1,088,696,780 278,411278,411AMERIGROUP MD INC95832 81.71%$1,304,314,479 209,161209,161AMERIGROUP NJ INC95373 80.22%

$635,133,598 195,422195,422AMERIGROUP NV INC12586 85.33%$0 00AMERIGROUP OH INC DBA COMM CARE10767 N/A

$1,905,919,835 449,573449,573AMERIGROUP TN INC12941 84.17%$3,861,828,178 700,830700,830AMERIGROUP TX INC95314 82.61%

$570,695,693 150,623150,623AMERIGROUP WASHINGTON INC14073 81.95%$1,228,401,966 383,559383,559AMGP GA MANAGED CARE CO INC12229 80.49%

$766,725,197 339,557272,388ANTHEM BLUE CROSS LIFE & HLTH INS CO62825 76.07%$579,367,002 111,36990,958ANTHEM HLTH PLANS INC60217 92.81%$775,014,707 243,425192,307ANTHEM HLTH PLANS OF KY INC95120 83.38%$161,288,268 43,52136,632ANTHEM HLTH PLANS OF ME INC52618 92.35%$136,022,940 43,61639,675ANTHEM HLTH PLANS OF NH53759 80.37%$500,768,560 191,139164,574ANTHEM HLTH PLANS OF VA INC71835 71.71%

$3,752,985,867 873,987843,561ANTHEM INS CO INC28207 82.77%$588,872,620 115,025115,025ANTHEM KY MANAGED CARE PLAN INC15543 84.22%

$3,101 1818ANTHEM LIFE INS CO61069 97.16%$550,482,026 113,17675,231BCBS HLTHCARE PLAN OF GA INC96962 89.13%$235,868,572 83,97077,025BCBS OF GA INC54801 78.52%

$87,755,628 33,25030,950BCBS OF WI54003 66.65%$319,584,798 0103,318BETTER HLTH INC15480 82.27%$134,800,267 12,27712,277CAREMORE HLTH PLAN OF AZ INC13562 79.53%

$89,556,168 7,3427,342CAREMORE HLTH PLAN OF NV13605 83.36%$1,744,795,051 268,006233,997COMMUNITY INS CO10345 79.79%

© 2017 National Association of Insurance Commissioners 48

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share for All Statement Types

Top 25 Groups by Company

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code as of Dec 31 as of Dec 31Covered Lives

Number of

Rank Group/Company Name

Group

$308,405,615 102,68997,621COMPCARE HLTH SERV INS CORP956933 77.18%$161,418,601 33,46233,454EMPIRE HEALTHCHOICE ASSUR INC55093 80.74%

$1,179,313,999 121,988103,938EMPIRE HEALTHCHOICE HMO INC95433 90.36%$2,397,636,533 483,810419,315HEALTHKEEPERS INC95169 85.75%

$501,668,203 150,936110,289HEALTHY ALLIANCE LIFE INS CO78972 74.01%$153,323,881 37,56724,646HMO CO INC95473 94.73%

$39,335,736 5,0775,069HMO MO INC95358 75.18%$142,399,806 31,42324,438MATTHEW THORTON HLTH PLAN INC95527 88.47%$662,513,401 166,139115,889ROCKY MOUNTAIN HOSPITAL & MEDICAL11011 93.02%

$1,214,274,936 133,053133,053SIMPLY HLTHCARE PLANS INC13726 74.96%$484,527,386 131,027131,027UNICARE HLTH PLAN OF WV INC11810 87.34%

$33,071,669 6,7576,344UNICARE LIFE & HLTH INS CO80314 51.71%

$30,060,190,719 6,640,2816,261,592AETNA GRP14 82.53% 6.60%$0 00AETNA BETTER HLTH INC13174 N/A

$1,538,861,482 220,543220,543AETNA BETTER HLTH INC14043 94.39%$1,024,533,672 208,276208,276AETNA BETTER HLTH INC13735 63.32%

$858,309,676 21,99421,994AETNA BETTER HLTH INC14229 80.04%$138,217,047 33,33533,335AETNA BETTER HLTH INC15611 68.06%$422,512,590 106,258106,258AETNA BETTER HLTH INC15616 87.64%

$1,095,320,395 273,198273,198AETNA BETTER HLTH OF KY INS CO15761 76.00%$339,478,734 52,06452,064AETNA BETTER HLTH OF MI INC12193 84.92%$783,123,248 278,765278,765AETNA BETTER HLTH OF MO LLC95318 85.37%$251,605,637 89,21489,214AETNA BETTER HLTH OF TX INC95040 80.49%

$23,938,158 5,0793,595AETNA HEALTH INC LA95173 79.01%$177,149,972 135,829135,829AETNA HLTH & LIFE INS CO78700 76.91%$242,587,702 25,41325,413AETNA HLTH INC CT CORP95935 78.05%

$1,129,211,390 112,58894,508AETNA HLTH INC FL CORP95088 79.70%$335,944,488 82,78352,987AETNA HLTH INC GA CORP95094 83.98%

$57,170,703 7,2326,969AETNA HLTH INC ME CORP95517 81.09%$504,020,467 40,66340,663AETNA HLTH INC NJ CORP95287 80.76%

© 2017 National Association of Insurance Commissioners 49

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share for All Statement Types

Top 25 Groups by Company

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code as of Dec 31 as of Dec 31Covered Lives

Number of

Rank Group/Company Name

Group

$172,552,836 15,21615,216AETNA HLTH INC NY CORP952344 80.37%$2,231,109,092 309,267199,464AETNA HLTH INC PA CORP95109 84.20%

$267,564,465 27,32327,323AETNA HLTH INC TX CORP95490 89.07%$180,822,596 36,51625,901AETNA HLTH OF IA INC95241 91.71%

$9,786,175,879 2,060,6301,998,856AETNA LIFE INS CO60054 83.81%$65,192,738 10,6668,633ALTIUS HLTH PLANS INC95407 90.27%

$422,689,837 217,617217,617AMERICAN CONTINENTAL INS CO12321 80.25%$418,381,260 250,122250,122CONTINENTAL LIFE INS CO BRENTWOOD68500 77.07%

$1,993,274,330 248,076212,151COVENTRY HLTH & LIFE INS CO81973 81.08%$1,214,434,645 299,053239,797COVENTRY HLTH CARE OF FL INC95114 79.81%

$317,473,325 40,85532,393COVENTRY HLTH CARE OF IL INC74160 89.78%$85,190,127 2,5981,538COVENTRY HLTH CARE OF KS INC95489 82.03%

$882,961,167 89,82289,822COVENTRY HLTH CARE OF MO INC96377 81.28%$523,579,647 143,948128,880COVENTRY HLTH CARE OF NE INC95925 90.26%$335,428,186 78,61067,304COVENTRY HLTH CARE OF VA INC96555 87.97%$547,226,536 125,971125,971COVENTRY HLTH CARE OF W VA INC95408 84.96%

$721,130 00COVENTRY HLTH PLAN OF FL INC95266 (547.88)%$780,044,001 868,647868,647FIRST HLTH LIFE & HLTH INS CO90328 79.91%$756,829,961 69,36869,368HEALTHASSURANCE PA INC11102 76.64%$156,553,600 52,74238,978INNOVATION HLTH INS CO15097 95.69%

$23,607,623,232 4,788,7234,820,353CENTENE CORP GRP12955 89.58% 5.18%$495,360,153 125,254125,254ABSOLUTE TOTAL CARE INC12959 86.55%$127,906,279 28,42721,263AMBETTER OF MAGNOLIA INC15762 80.60%$201,138,910 63,92443,663AMBETTER OF PEACH STATE INC15729 65.63%

$1,843,582,110 506,649506,649BANKERS RESERVE LIFE INS CO OF WI71013 88.55%$2,065,753,982 326,813324,822BUCKEYE COMM HLTH PLAN INC11834 82.03%

$803,487,015 250,937198,924CELTIC INS CO80799 77.90%$175,722,998 40,37740,377CELTICARE HLTH PLAN OF MA INC13632 80.60%

$1,094,913,560 300,649293,863COORDINATED CARE CORP95831 85.41%$691,404,409 206,513206,513COORDINATED CARE OF WA INC15352 88.81%

© 2017 National Association of Insurance Commissioners 50

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share for All Statement Types

Top 25 Groups by Company

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code as of Dec 31 as of Dec 31Covered Lives

Number of

Rank Group/Company Name

Group

$46,875,769 4,1254,125FIDELIS SECURECARE OF MI INC107695 89.14%$283,557,247 60,89060,890GRANITE STATE HLTH PLAN INC14226 91.97%$282,046,104 36,58436,270HEALTH NET HLTH PLAN OF OR INC95800 98.44%$534,704,879 96,12083,418HEALTH NET LIFE INS CO66141 159.56%$266,269,410 40,60834,102HEALTH NET OF AZ INC95206 124.64%$358,249,637 105,277105,277HOME STATE HLTH PLAN INC14218 93.32%

$1,215,197,892 216,619216,619ILLINICARE HLTH PLAN INC14053 99.56%$0 00KENTUCKY SPIRIT HEALTH PLAN INC14100 N/A

$1,750,365,283 472,533472,533LOUISIANA HEALTHCARE CONNECTIONS INC13970 85.34%$1,254,126,555 263,180263,180MAGNOLIA HLTH PLAN INC13923 89.66%

$108,770,222 38,44438,197MANAGED HLTH SERV INS CORP96822 139.03%$1,222,707,409 424,112424,112PEACH STATE HLTH PLAN INC12315 78.05%$1,114,535,954 0139,704SUNFLOWER STATE HLTH PLAN INC14345 86.63%$3,646,007,818 569,257569,167SUNSHINE STATE HLTH PLAN INC13148 91.82%$3,522,377,270 518,350518,350SUPERIOR HLTHPLAN INC95647 85.70%

$502,562,367 93,08193,081TRILLIUM COMM HLTH PLAN INC12559 94.99%

$15,379,687,456 3,508,1133,358,076MOLINA HEALTHCARE INC GRP15316 84.37% 3.38%$1,944,376,544 552,630495,157MOLINA HLTHCARE OF FL INC13128 90.01%

$797,402,467 194,988194,988MOLINA HLTHCARE OF IL INC14104 93.06%$2,105,395,526 391,148390,030MOLINA HLTHCARE OF MI52630 81.59%$1,392,311,664 253,687249,262MOLINA HLTHCARE OF NM95739 82.54%$2,201,209,530 332,102329,617MOLINA HLTHCARE OF OH INC12334 77.85%

$746,652,388 329,509329,509MOLINA HLTHCARE OF PR INC15600 90.34%$412,116,766 109,249109,249MOLINA HLTHCARE OF SC INC LLC15329 80.36%

$2,560,679,683 309,908270,907MOLINA HLTHCARE OF TX INC10757 80.67%$49,521,524 27,36827,368MOLINA HLTHCARE OF TX INS CO13778 84.14%

$455,391,910 145,757122,164MOLINA HLTHCARE OF UT INC DBA AMFAM95502 90.56%$0 00MOLINA HLTHCARE OF VA INC15133 N/A

$2,309,875,426 736,233728,751MOLINA HLTHCARE OF WA INC96270 85.83%$404,754,028 125,534111,074MOLINA HLTHCARE OF WI INC12007 96.66%

© 2017 National Association of Insurance Commissioners 51

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share for All Statement Types

Top 25 Groups by Company

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code as of Dec 31 as of Dec 31Covered Lives

Number of

Rank Group/Company Name

Group

$12,869,268,654 2,362,0792,280,606INDEPENDENCE HLTH GRP INC GRP9367 90.92% 2.83%$493,917,405 104,048104,048AMERIHEALTH CARITAS DC INC15088 78.42%

$1,399,957,987 222,977222,977AMERIHEALTH CARITAS IA INC15800 114.03%$908,285,840 222,880222,880AMERIHEALTH CARITAS LA INC14143 84.38%$290,201,613 33,06327,458AMERIHEALTH HMO INC95044 89.27%$438,211,016 56,92339,645AMERIHEALTH INS CO OF NJ60061 98.75%

$78,253,972 3,3993,399AMERIHEALTH MI INC15104 94.83%$86,073,746 26,41526,415AMERIHEALTH NE INC14261 94.61%

$1,102,822,771 327,306327,306FLORIDA TRUE HLTH INC14378 88.09%$41,569,726 29,33129,331INDEPENDENCE HOSPITAL IND PLAN INC54704 89.05%

$355,752 1,0551,055INTER CNTY HLTH PLAN INC53252 93.83%$3,121,693 1,0841,081INTER CTY HOSPITALIZATION PLAN INC54763 83.20%

$1,685,006,119 233,914190,378KEYSTONE HLTH PLAN E INC95056 84.18%$429,762,795 48,05833,007QCC INS CO93688 97.54%

$1,337,449,065 361,174361,174SELECT HLTH OF SC INC95458 84.34%$4,574,279,154 690,452690,452VISTA HLTH PLAN INC96660 90.20%

$12,581,290,688 3,532,7883,532,788WELLCARE GRP11998 83.17% 2.76%$1,069,893,084 264,043264,043HARMONY HLTH PLAN INC11229 81.75%

$349,539,581 120,967120,967MISSOURI CARE INC12913 84.95%$731,026,965 68,69568,695WELLCARE HLTH INS OF AZ INC83445 82.31%

$2,751,869,130 528,762528,762WELLCARE HLTH INS OF KY INC64467 86.29%$2,523,135 852852WELLCARE HLTH PLANS OF KY INC15510 112.06%

$454,620,407 63,42463,424WELLCARE HLTH PLANS OF NJ INC13020 79.28%$81,199,271 6,8146,814WELLCARE OF CT INC95310 85.99%

$3,679,723,666 874,122874,122WELLCARE OF FL INC95081 82.90%$2,041,553,868 611,144611,144WELLCARE OF GA INC10760 84.62%

)$(10,662 00WELLCARE OF OH INC12749 0.00%$277,613,851 86,73786,737WELLCARE OF SC INC11775 82.28%$386,161,946 48,94148,941WELLCARE OF TX INC12964 82.82%

© 2017 National Association of Insurance Commissioners 52

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share for All Statement Types

Top 25 Groups by Company

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code as of Dec 31 as of Dec 31Covered Lives

Number of

Rank Group/Company Name

Group

$755,576,446 858,287858,287WELLCARE PRESCRIPTION INS INC101558 73.77%

$10,756,583,084 2,984,5692,461,181HCSC GRP9179 92.21% 2.36%$107,198 107107DEARBORN NATL LIFE INS CO71129 (86.93)%

$38,723,119 4,8314,831GHS HMO INC DBA BLUELINCS HMO11814 97.01%$26,516,779 3,7723,772GHS INS CO29718 98.19%$35,304,808 4,5394,539GHS MANAGED HLTH CARE PLANS INC14048 111.27%

$1,374,785,623 485,851485,851HCSC INS SERV CO78611 84.81%$9,281,145,557 2,485,4691,962,081HEALTH CARE SERV CORP A MUT LEGAL RE70670 93.20%

$9,629,931,575 2,345,6562,123,458CIGNA HLTH GRP90110 85.99% 2.11%$6,035 00ALLEGIANCE LIFE & HLTH INS CO INC12814 494.43%

$254,159,610 152,933152,933AMERICAN RETIREMENT LIFE INS CO88366 80.09%$279,360,993 18,18418,184BRAVO HLTH MID ATLANTIC INC10095 91.88%$721,850,813 46,27546,275BRAVO HLTH PA INC11524 88.83%

$5,673,636 1,9071,731CENTRAL RESERVE LIFE INS CO61727 62.79%$56,071 175114CIGNA DENTAL HLTH OF CO INC11175 60.38%

$1,599 43CIGNA DENTAL HLTH OF DE INC95380 92.93%$733,097 2,2461,607CIGNA DENTAL HLTH OF FL INC52021 42.97%

$29,456 9164CIGNA DENTAL HLTH OF KS INC52024 49.16%$78,590 252160CIGNA DENTAL HLTH OF KY INC52108 41.96%$74,405 227160CIGNA DENTAL HLTH OF MD INC48119 42.55%$58,766 179115CIGNA DENTAL HLTH OF MO INC11160 61.36%$97,403 304198CIGNA DENTAL HLTH OF NC INC95179 104.11%

$130,077 424276CIGNA DENTAL HLTH OF NJ INC11167 49.81%$83,340 248163CIGNA DENTAL HLTH OF OH INC47805 56.50%$67,639 212151CIGNA DENTAL HLTH OF PA INC47041 39.34%

$124,591 395258CIGNA DENTAL HLTH OF TX INC95037 36.64%$67,674 210141CIGNA DENTAL HLTH OF VA INC52617 43.54%

$129,202 386262CIGNA DENTAL HLTH PLAN OF AZ INC47013 33.24%$0 00CIGNA HLTCARE OF IN INC95525 N/A

© 2017 National Association of Insurance Commissioners 53

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share for All Statement Types

Top 25 Groups by Company

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code as of Dec 31 as of Dec 31Covered Lives

Number of

Rank Group/Company Name

Group

$1,742,436,867 1,376,3661,217,440CIGNA HLTH & LIFE INS CO6736910 89.48%$547,632,724 52,47051,230CIGNA HLTHCARE OF AZ INC95125 96.33%

$0 00CIGNA HLTHCARE OF CO INC95604 N/A$26,882 22CIGNA HLTHCARE OF CT INC95660 170.57%$53,992 66CIGNA HLTHCARE OF FL INC95136 235.18%

$3,116,456 4833CIGNA HLTHCARE OF NJ INC95500 114.91%$9,138 11CIGNA HLTHCARE OF ST LOUIS INC95635 49.89%

$21,614 11CIGNA HLTHCARE OF TN INC95606 2.60%$24,707,526 3,9882,476CIGNA HLTHCARE OF TX INC95383 155.62%

$331,720 502502CIGNA LIFE INS CO OF NY64548 4.30%$189,501,482 69,35338,993CONNECTICUT GEN LIFE INS CO62308 74.60%

$2,362,286,041 161,995161,995HEALTHSPRING LIFE & HLTH INS CO INC12902 86.52%$696,311,672 53,36253,362HEALTHSPRING OF AL INC95781 83.48%$863,117,416 47,68747,687HEALTHSPRING OF FL INC11532 83.72%

$1,667,901,750 126,457126,457HEALTHSPRING OF TN INC11522 82.29%$5,949,658 7,9326,386LIFE INS CO OF N AMER65498 42.16%

$179,066,564 187,853161,111LOYAL AMER LIFE INS CO65722 67.47%$9,706,476 2,3512,351PROVIDENT AMER LIFE & HLTH INS CO67903 68.27%

$74,970,600 30,63030,630STERLING LIFE INS CO77399 73.08%

$7,186,389,377 1,417,5411,391,329CARESOURCE GRP368311 88.74% 1.58%$7,052,975,717 1,378,4531,363,097CARESOURCE95201 88.53%

$95,447,177 25,75818,233CARESOURCE IN10142 96.71%$32,502,831 12,1679,125CARESOURCE KY CO15479 109.74%

$5,463,652 1,163874CARESOURCE W VA CO15728 97.25%

$6,510,636,742 1,241,1211,170,589BCBS OF NJ GRP120212 86.93% 1.43%$1,334,259 7,3087,308HORIZON HLTHCARE DENTAL INC11146 158.74%

$4,827,018,372 892,131892,131HORIZON HLTHCARE OF NJ INC95529 86.85%$1,067,867,471 196,161125,629HORIZON HLTHCARE SERV INC55069 87.24%

$614,416,640 145,521145,521HORIZON INS CO14690 86.84%

© 2017 National Association of Insurance Commissioners 54

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share for All Statement Types

Top 25 Groups by Company

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code as of Dec 31 as of Dec 31Covered Lives

Number of

Rank Group/Company Name

Group

$6,422,160,141 1,212,778921,888GUIDEWELL MUT HOLDING GRP53613 77.56% 1.41%$4,521,129,338 784,306603,720BCBS OF FL98167 75.76%

$23,290,614 2,8602,860BEHEALTHY FLORIDA INC15118 89.36%$45,782,230 129,13686,655FLORIDA COMBINED LIFE INS CO INC76031 65.04%

$249,122,509 32,56827,350FLORIDA HLTH CARE PLAN INC13567 86.10%$1,582,835,450 263,908201,303HEALTH OPTIONS INC95089 81.55%

$6,359,582,186 977,750915,087HIGHMARK GRP81214 89.43% 1.40%$162,701,976 34,39524,103FIRST PRIORITY LIFE INS CO INC60147 114.26%

$2,381,540,661 360,154360,154GATEWAY HLTH PLAN INC96938 84.16%$78,668,506 7,7807,780GATEWAY HLTH PLAN OF OH INC12325 84.48%

$193,050,666 37,59026,075HIGHMARK BCBSD INC53287 102.73%$107,685 127HIGHMARK BENEFITS GRP INC15508 60.90%$113,440 107107HIGHMARK CAS INS CO35599 319.00%

$11,162 11HIGHMARK COVERAGE ADVANTAGE INC15507 241.20%$464,193,365 158,812145,706HIGHMARK INC54771 87.43%

$70,501,320 13,3828,489HIGHMARK SELECT RESOURCES INC10131 121.24%$813,036,011 73,42173,421HIGHMARK SENIOR HLTH CO15460 87.26%

$70,602,477 5,8835,883HIGHMARK SENIOR SOLUTIONS CO15459 93.58%$269,388,885 46,17633,104HIGHMARK WEST VIRGINIA INC.54828 106.30%$259,642,997 60,26551,294HM HLTH INS CO71768 103.77%

$13,906,102 5,8445,844HMO OF NE PA96601 76.94%$1,282,540,207 111,578110,769KEYSTONE HLTH PLAN W INC95048 87.19%

$299,576,726 62,35062,350WEST VIRGINIA FAMILY HLTH PLAN INC15020 93.58%

$4,710,231,470 19,451,39510,310,274AFLAC GRP37015 55.17% 1.03%$4,411,140,854 18,321,9129,712,760AMERICAN FAMILY LIFE ASSUR CO OF COL60380 54.93%

$298,589,532 1,127,567595,963AMERICAN FAMILY LIFE ASSUR CO OF NY60526 58.70%$501,084 1,9161,551CONTINENTAL AMER INS CO71730 47.87%

© 2017 National Association of Insurance Commissioners 55

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share for All Statement Types

Top 25 Groups by Company

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code as of Dec 31 as of Dec 31Covered Lives

Number of

Rank Group/Company Name

Group

$4,536,377,031 939,438862,098BCBS OF TN GRP349816 86.39% 1.00%$2,073,809,576 384,653308,129BCBS OF TN INC54518 95.38%

$21,744,255 2,9602,960SECURITYCARE OF TN INC15005 90.27%$2,440,823,200 551,825551,009VOLUNTEER STATE HLTH PLAN INC14046 78.73%

$4,170,400,856 849,241849,241UPMC HLTH SYSTEM GRP132417 92.30% 0.92%$2,267,104,056 426,145426,145UPMC FOR YOU INC11995 91.64%

$20,046,714 143,528143,528UPMC HLTH BENEFITS INC11018 82.81%$16,728 00UPMC HLTH COVERAGE INC15451 (169.78)%

$82,227,770 8,7568,756UPMC HLTH NTWRK INC11994 88.27%$379,120,451 107,939107,939UPMC HLTH OPTIONS INC15345 112.53%

$1,421,885,137 162,873162,873UPMC HLTH PLAN INC95216 88.33%

$3,911,962,219 847,885662,110BCBS OF NC GRP75818 80.29% 0.86%$3,911,962,219 847,885662,110BCBS OF NC INC54631 80.29%

$3,711,309,612 808,143706,129BCBS OF MI GRP57219 91.35% 0.82%$1,933,044,508 411,409354,111BCBS OF MI MUT INS CO54291 99.83%$1,027,597,501 181,683141,838BLUE CARE NETWORK OF MI95610 82.44%

$761,950 13595BLUE CARE OF MI INC52037 94.72%$710,792,101 173,816173,816BLUE CROSS COMPLETE OF MI LLC11557 83.37%

$39,113,552 41,10036,269LIFESECURE INS CO77720 51.04%

$3,640,911,086 792,592754,421BCBS OF MN GRP46120 94.50% 0.80%$1,838,849,545 461,649427,155BCBSM INC55026 89.84%$1,802,061,541 330,943327,266HMO DBA BLUE PLUS95649 99.25%

$3,495,233,131 598,741574,079MEDICA GRP155221 98.40% 0.77%$2,222,387,802 346,108344,236MEDICA HLTH PLANS52626 102.88%

$222,904,589 48,82432,581MEDICA HLTH PLANS OF WI95232 104.75%$1,049,940,740 203,809197,262MEDICA INS CO12459 87.59%

© 2017 National Association of Insurance Commissioners 56

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share for All Statement Types

Top 25 Groups by Company

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code as of Dec 31 as of Dec 31Covered Lives

Number of

Rank Group/Company Name

Group

$3,470,570,872 879,117879,117CAIDAN ENTERPRISES INC GRP464022 88.62% 0.76%$304,702 00MERIDIAN HLTH PLAN OF IA INC14145 (1,209.44)%

$1,105,381,465 374,285374,285MERIDIAN HLTH PLAN OF IL INC13189 95.70%$2,364,884,705 504,832504,832MERIDIAN HLTH PLAN OF MI INC52563 85.49%

$3,090,755,004 4,331,0214,328,776CVS CAREMARK GRP466723 70.81% 0.68%)$(1,347 00ACCENDO INS CO63444 0.00%

$30,228,594 61,03258,787PENNSYLVANIA LIFE INS CO67660 88.86%$3,060,527,757 4,269,9894,269,989SILVERSCRIPT INS CO12575 70.64%

$2,993,340,618 2,082,6511,916,753MUTUAL OF OMAHA GRP26124 76.10% 0.66%$5,672 44COMPANION LIFE INS CO62243 2,540.76%

$1,102,909,220 1,187,8361,021,937MUTUAL OF OMAHA INS CO71412 80.29%$1,625 01OMAHA HLTH INS CO88080 (42.95)%

$441,596,484 334,722334,722OMAHA INS CO13100 79.40%$1,107,091,042 439,712439,712UNITED OF OMAHA LIFE INS CO69868 72.98%

$341,736,575 120,377120,377UNITED WORLD LIFE INS CO72850 68.38%

$2,960,121,936 450,745418,890EMBLEM HLTH GRP112725 93.33% 0.65%$273,380,646 48,93234,857CONNECTICARE BENEFITS INC14913 94.51%$587,509,991 56,37756,134CONNECTICARE INC95675 84.02%$170,416,812 39,88621,648CONNECTICARE INS CO INC11209 123.08%

$9,302,503 44,91044,768GROUP HLTH INC55239 78.94%$1,919,511,984 260,640261,483HEALTH INS PLAN OF GREATER NY55247 93.43%

$455,356,955,370 159,941,244135,695,93126 87.46%

© 2017 National Association of Insurance Commissioners 57

© 2017 National Association of Insurance Commissioners 58

Page Intentionally Left Blank

Market Share by Statement TypeIndividual Business

© 2017 National Association of Insurance Commissioners 59

Page Intentionally Left Blank

© 2017 National Association of Insurance Commissioners 60

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share for Life, Accident & Health

Grand Total for Individual business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

$17,450,404,870 7,379,412UNITEDHEALTH GRP7071 7,113,65181.30% 27.31% 27.31%$11,584,440,949 3,532,845AETNA GRP12 3,471,07183.07% 18.13% 45.44%

$4,710,231,470 19,451,395AFLAC GRP3703 10,310,27455.17% 7.37% 52.81%$2,993,340,618 2,082,651MUTUAL OF OMAHA GRP2614 1,916,75376.10% 4.68% 57.50%$2,527,534,051 1,111,779GENWORTH FIN GRP40115 1,016,745145.93% 3.96% 61.45%$2,461,796,613 1,829,827CIGNA HLTH GRP9016 1,612,07785.00% 3.85% 65.31%$2,459,836,997 3,603,080UNUM GRP5657 3,581,09498.98% 3.85% 69.15%$1,735,597,212 1,029,435NORTHWESTERN MUT GRP8608 1,029,43568.38% 2.72% 71.87%$1,694,177,114 1,426,161CNO FINANCIAL GRP2339 1,182,81598.70% 2.65% 74.52%$1,384,082,184 594,889JOHN HANCOCK GRP90410 594,822160.75% 2.17% 76.69%$1,080,524,646 499,759METROPOLITAN GRP24111 210,100164.16% 1.69% 78.38%

$870,563,823 3,727,102TORCHMARK CORP GRP29012 2,557,58166.17% 1.36% 79.74%$841,808,041 1,252,803AEGON US HOLDING GRP46813 878,370134.05% 1.32% 81.06%$737,852,662 359,132GUARDIAN LIFE GRP42914 340,60281.19% 1.15% 82.21%$707,738,251 328,732MASS MUT LIFE INS GRP43515 342,19683.27% 1.11% 83.32%$534,704,879 96,120CENTENE CORP GRP129516 83,418159.56% 0.84% 84.16%$529,528,965 272,258BCBS OF KS GRP43017 233,12693.67% 0.83% 84.99%$514,331,923 56,423UNIVERSAL AMER FIN CORP GRP95318 55,66482.73% 0.80% 85.79%$509,633,383 0CHUBB LTD GRP62619 053.37% 0.80% 86.59%$427,496,584 186,885PRINCIPAL FIN GRP33220 186,88564.65% 0.67% 87.26%$353,923,359 233,949AMERIPRISE FIN GRP421 233,949172.09% 0.55% 87.81%$328,423,787 254,949AMERICAN ENTERPRISE MUT GRP352722 241,61772.64% 0.51% 88.33%$322,125,736 176,788NEW YORK LIFE GRP82623 176,442112.45% 0.50% 88.83%$307,147,222 915,429AMERICAN FIDELITY CORP GRP33024 620,66155.94% 0.48% 89.31%$298,299,645 322,554PHYSICIANS MUT GRP36725 287,14788.32% 0.47% 89.78%$297,222,279 194,351NEW ERA LIFE GRP52026 169,57879.35% 0.47% 90.24%$288,812,760 136,375UNITED SERV AUTOMOBILE ASSN GRP20027 136,37576.16% 0.45% 90.70%$254,272,839 969,477ALLSTATE INS GRP828 532,30469.44% 0.40% 91.09%$227,708,572 1,309,409ASSURANT INC GRP1929 1,213,823263.01% 0.36% 91.45%$223,391,514 93,381MEIJI YASUDA LIFE INS GRP134830 109,92657.44% 0.35% 91.80%$211,321,383 274,195MANHATTAN LIFE GRP111731 220,52273.64% 0.33% 92.13%$206,612,913 87,106PRUDENTIAL OF AMER GRP30432 86,390381.23% 0.32% 92.45%$200,915,375 407,000GUARANTEE TRUST GRP68733 354,64360.88% 0.31% 92.77%

© 2017 National Association of Insurance Commissioners 61

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share for Life, Accident & Health

Grand Total for Individual business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

$199,430,836 104,453EQUITABLE LIFE & CAS INS CO6295234 99,44295.00% 0.31% 93.08%$193,924,079 202,594CONTINENTAL GEN INS CO7140435 148,02498.91% 0.30% 93.38%$190,583,951 94,708BLUE SHIELD OF CA GRP279836 59,74663.32% 0.30% 93.68%$183,582,774 121,257ALLIANZ INS GRP76137 98,699325.39% 0.29% 93.97%$180,902,994 879,327HEALTHMARKETS GRP26438 596,41332.01% 0.28% 94.25%$176,971,781 205,298AMERITAS MUT HOLDING GRP94339 205,29851.65% 0.28% 94.53%$140,846,068 482,191KEMPER CORP GRP21540 330,21354.01% 0.22% 94.75%$133,455,463 620,908AMERICAN INTL GRP1241 495,97482.31% 0.21% 94.96%$127,178,052 477,848NATIONAL TEACHERS ASSOC LIFE GROUP479642 285,55557.71% 0.20% 95.16%$123,002,112 83,377LIFETIME HLTHCARE GRP118643 83,377138.16% 0.19% 95.35%$116,545,883 149,150NESTLE SA GRP448344 149,15070.47% 0.18% 95.53%$112,318,427 63,468SENIOR HLTH INS CO OF PA7632545 57,476232.10% 0.18% 95.71%$111,146,020 52,382ADVANTAGE CAPITAL GRP482446 51,567135.21% 0.17% 95.88%$105,895,905 60,898COUNTRY INS & FIN SERV GRP5047 58,675114.58% 0.17% 96.05%$101,726,335 176,435HUMANA GRP11948 123,630661.72% 0.16% 96.21%

$96,666,491 40,542TOKIO MARINE HOLDINGS INC GRP309849 40,54289.80% 0.15% 96.36%$95,950,518 35,562AMERCO CORP GRP57450 35,56281.57% 0.15% 96.51%$94,151,785 62,528ATLANTIC AMER GRP58751 62,52867.67% 0.15% 96.66%$90,751,771 125,626AMERICAN NATL FIN GRP40852 106,63668.30% 0.14% 96.80%$79,015,470 236,604TRUSTMARK MUT HOLDING CO GRP27653 160,46451.69% 0.12% 96.92%$74,374,066 133,122WESTBRIDGE CAPITAL GRP83954 80,56060.86% 0.12% 97.04%$73,049,061 123,228ASSURITY GRP486255 105,58355.42% 0.11% 97.15%$71,656,976 35,822GOLDMAN SACHS GRP389156 35,81574.50% 0.11% 97.26%$62,009,561 53,031AXA INS GRP96857 51,675458.49% 0.10% 97.36%$61,880,428 0TRIPLE S GRP480258 063.35% 0.10% 97.46%$59,183,280 51,614RESOLUTION LIFE GRP481559 34,380284.66% 0.09% 97.55%$57,045,307 116,274ILLINOIS MUT LIFE INS CO6458060 108,62667.34% 0.09% 97.64%$51,279,648 26,974OLD SURETY LIFE INS CO6732661 26,97468.80% 0.08% 97.72%$50,040,412 87,800JACKSON NATL GRP91862 67,374241.95% 0.08% 97.80%$49,521,524 27,368MOLINA HEALTHCARE INC GRP153163 27,36884.14% 0.08% 97.88%$48,787,842 156,430CUNA MUT GRP30664 133,615170.38% 0.08% 97.95%$47,612,941 40,160INDIVIDUAL ASSUR CO LIFE HLTH & ACC8177965 40,16076.42% 0.07% 98.03%$45,782,230 129,136GUIDEWELL MUT HOLDING GRP53666 86,65565.04% 0.07% 98.10%

© 2017 National Association of Insurance Commissioners 62

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share for Life, Accident & Health

Grand Total for Individual business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

$44,480,330 40,234PROTECTIVE LIFE INS GRP45867 40,23479.15% 0.07% 98.17%$41,303,724 18,672GGC GRP473668 16,20891.17% 0.06% 98.23%$39,113,552 41,100BCBS OF MI GRP57269 36,26951.04% 0.06% 98.29%$37,760,894 104,674ZURICH INS GRP21270 105,939121.07% 0.06% 98.35%$34,345,573 18,267OHIO NATL LIFE GRP70471 18,26788.54% 0.05% 98.41%$33,817,275 551,772TIPTREE FIN GRP471872 551,7725.76% 0.05% 98.46%$33,418,400 16,714MINNESOTA MUT GRP86973 20,732142.17% 0.05% 98.51%$33,074,770 6,775ANTHEM INC GRP67174 6,36251.72% 0.05% 98.56%$32,918,370 17,119UNITED SECURITY ASSUR CO OF PA4212975 17,11986.73% 0.05% 98.62%$32,702,220 15,999GPM LIFE GRP471276 16,00083.43% 0.05% 98.67%$32,344,169 0CITIZENS SECURITY LIFE INS CO6192177 057.11% 0.05% 98.72%$30,472,458 53,934SOUTHERN FARM BUREAU LIFE INS CO6889678 41,881235.38% 0.05% 98.77%$29,762,044 13,898PEKIN INS GRP15379 13,89870.03% 0.05% 98.81%$29,649,191 88,036ARKANSAS BCBS GRP87680 3,82246.92% 0.05% 98.86%$28,707,992 0TRANS OCEANIC LIFE INS CO6952381 349,50443.26% 0.04% 98.90%$27,148,612 69,570LIFE INS CO OF AL6541282 42,77948.40% 0.04% 98.95%$26,901,813 13,158MEDICAL CARD SYSTEM INC GRP130183 9,06679.03% 0.04% 98.99%$26,813,249 22,023FEDERATED MUT GRP784 22,02319.28% 0.04% 99.03%$26,771,250 24,714LINCOLN NATL GRP2085 24,714180.64% 0.04% 99.07%$26,191,838 142,002WEST SOUTHERN GRP83686 69,496110.59% 0.04% 99.11%$25,168,284 16,168STATE MUT INS CO6913287 16,16750.12% 0.04% 99.15%$25,058,014 126,890MULTINATIONAL GRP480488 69,29055.08% 0.04% 99.19%$24,981,037 57,909WILTON RE GRP421389 57,69879.43% 0.04% 99.23%$23,453,606 10,779NATIONAL LIFE GRP63490 15,248236.25% 0.04% 99.27%$22,803,821 57,539SUN LIFE ASSUR CO OF CN GRP54991 40,02563.74% 0.04% 99.30%$22,755,628 12,692ONEAMERICA FIN PARTNERS GRP61992 12,692158.04% 0.04% 99.34%$22,405,989 13,332HEARTLAND NATL LIFE INS CO6621493 13,33272.48% 0.04% 99.37%$19,773,349 9,940TIAA FAMILY GRP121694 9,940216.27% 0.03% 99.40%$18,051,758 12,601BCBS OF AL GRP57095 12,60169.37% 0.03% 99.43%$17,768,634 26,007FIDELITY SECURITY GRP45196 19,48567.21% 0.03% 99.46%$17,300,760 81,191BOSTON MUT GRP58197 43,92636.56% 0.03% 99.49%$16,926,609 13,855BERKSHIRE HATHAWAY GRP3198 14,10167.54% 0.03% 99.51%$16,347,421 22,000GENEVE HOLDINGS INC GRP45099 16,04554.87% 0.03% 99.54%

© 2017 National Association of Insurance Commissioners 63

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share for Life, Accident & Health

Grand Total for Individual business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

$15,467,414 0COOPERATIVA DE SEGUROS DE VIDA79715100 040.79% 0.02% 99.56%$14,901,485 11,723AUTO OWNERS GRP280101 11,72355.81% 0.02% 99.59%$14,834,077 663,259FORTRESS GRP4716102 552,62842.95% 0.02% 99.61%$12,817,937 129,521ATHENE GRP4734103 68,55784.59% 0.02% 99.63%$12,790,744 12,941REGAL REINS GRP440104 12,941449.73% 0.02% 99.65%$11,571,752 4,267CENTRAL STATES GRP690105 4,198101.44% 0.02% 99.67%$10,998,305 44,687UNIFIED LIFE INS CO11121106 38,77954.68% 0.02% 99.69%$10,981,038 3,765STERLING INVESTORS LIFE INS CO89184107 3,76573.03% 0.02% 99.70%$10,875,049 16,661AMTRUST NGH GRP2538108 11,32661.82% 0.02% 99.72%$10,391,499 263PAN AMER LIFE GRP525109 5,02090.70% 0.02% 99.74%$10,132,518 5,934NATIONWIDE CORP GRP140110 5,82378.98% 0.02% 99.75%

$9,017,158 34,010BEST LIFE & HLTH INS CO90638111 27,04152.63% 0.01% 99.77%$8,428,038 11,589NATIONAL GUARDIAN LIFE INS GRP1211112 11,55668.02% 0.01% 99.78%$8,384,083 7,458RESERVOIR CAPITAL GRP4764113 7,45866.71% 0.01% 99.79%$8,056,454 3,998UNIVERSAL FIDELITY LIFE INS CO70122114 3,99899.02% 0.01% 99.81%$7,981,781 9,468CROY HALL MGMT GRP1339115 5,59545.26% 0.01% 99.82%$7,783,278 3,251AMERICAN FINANCIAL GRP84116 3,21595.25% 0.01% 99.83%$7,407,335 14,851AAA LIFE GRP4853117 14,85126.99% 0.01% 99.84%$6,751,034 9,122BCBS OF SC GRP661118 7,70162.06% 0.01% 99.85%$6,664,210 10,852IOWA FARM BUREAU GRP513119 10,85233.27% 0.01% 99.86%$6,462,215 3,367AMFIRST HOLDINGS GRP4719120 3,288123.76% 0.01% 99.87%$5,711,079 65,214NATIONAL FAMILY CARE LIFE INS CO86959121 37,26510.04% 0.01% 99.88%$5,409,500 1,362ECG GRP4826122 1,36270.03% 0.01% 99.89%$5,197,633 6,724CINCINNATI FIN GRP244123 6,65746.46% 0.01% 99.90%$5,175,594 8,155STANDARD LIFE & CAS INS CO71706124 6,98348.55% 0.01% 100.00%$4,938,255 4,085LINCOLN HERITAGE LIFE INS CO65927125 4,08557.83% 0.01% 100.00%

$63,896,533,920 63,081,746Grand Total 48,564,43391.43% 100.00%

© 2017 National Association of Insurance Commissioners 64

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share for Health

Grand Total for Individual business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

$55,745,764,893 8,912,285UNITEDHEALTH GRP7071 8,748,76181.93% 14.31% 14.31%$42,692,599,286 10,395,663HUMANA GRP1192 9,732,69984.98% 10.96% 25.27%$32,910,305,212 7,368,426ANTHEM INC GRP6713 6,985,59484.10% 8.45% 33.72%$23,072,918,353 4,692,603CENTENE CORP GRP12954 4,736,93587.96% 5.92% 39.64%$18,475,749,770 3,107,436AETNA GRP15 2,790,52182.19% 4.74% 44.38%$15,330,165,932 3,480,745MOLINA HEALTHCARE INC GRP15316 3,330,70884.37% 3.94% 48.32%$12,869,268,654 2,362,079INDEPENDENCE HLTH GRP INC GRP9367 2,280,60690.92% 3.30% 51.62%$12,581,290,688 3,532,788WELLCARE GRP11998 3,532,78883.17% 3.23% 54.85%$10,756,475,886 2,984,462HCSC GRP9179 2,461,07492.21% 2.76% 57.61%

$7,186,389,377 1,417,541CARESOURCE GRP368310 1,391,32988.74% 1.84% 59.46%$7,168,134,962 515,829CIGNA HLTH GRP90111 511,38186.34% 1.84% 61.30%$6,510,636,742 1,241,121BCBS OF NJ GRP120212 1,170,58986.93% 1.67% 62.97%$6,376,377,911 1,083,642GUIDEWELL MUT HOLDING GRP53613 835,23377.65% 1.64% 64.61%$6,359,468,746 977,643HIGHMARK GRP81214 914,98089.43% 1.63% 66.24%$4,536,377,031 939,438BCBS OF TN GRP349815 862,09886.39% 1.16% 67.40%$4,150,354,142 705,713UPMC HLTH SYSTEM GRP132416 705,71392.35% 1.07% 68.47%$3,911,962,219 847,885BCBS OF NC GRP75817 662,11080.29% 1.00% 69.47%$3,672,196,060 767,043BCBS OF MI GRP57218 669,86091.78% 0.94% 70.42%$3,640,911,086 792,592BCBS OF MN GRP46119 754,42194.50% 0.93% 71.35%$3,495,233,131 598,741MEDICA GRP155220 574,07998.40% 0.90% 72.25%$3,470,570,872 879,117CAIDAN ENTERPRISES INC GRP464021 879,11788.62% 0.89% 73.14%$3,090,755,004 4,331,021CVS CAREMARK GRP466722 4,328,77670.81% 0.79% 73.93%$2,960,121,936 450,745EMBLEM HLTH GRP112723 418,89093.33% 0.76% 74.69%$2,448,150,435 488,839KAISER FOUNDATION GRP60124 381,730108.62% 0.63% 75.32%$2,239,411,604 138,960HEALTHFIRST INC GRP477825 138,96086.38% 0.57% 75.90%$2,150,139,787 354,461NEIGHBORHOOD HLTH PLAN INC1110926 333,419101.60% 0.55% 76.45%$2,139,971,036 478,897CARE 1ST HEALTH PLAN1514327 478,89784.36% 0.55% 77.00%$2,105,873,707 340,455LIFETIME HLTHCARE GRP118628 332,09488.10% 0.54% 77.54%$2,022,997,091 314,856GEISINGER INS GRP114329 304,78686.27% 0.52% 78.06%$1,956,151,130 599,392TRIPLE S GRP480230 578,35988.68% 0.50% 78.56%$1,916,965,195 273,342HEALTH PARTNERS PLANS INC9506631 273,34279.18% 0.49% 79.05%$1,822,769,313 500,978INDIANA UNIVERSITY HLTH GRP463732 500,97892.87% 0.47% 79.52%$1,785,890,726 338,888SPECTRUM HLTH GRP338333 299,88988.40% 0.46% 79.98%

© 2017 National Association of Insurance Commissioners 65

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share for Health

Grand Total for Individual business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

$1,752,378,468 298,498UNIVERSITY HLTH CARE INC5262134 298,49895.25% 0.45% 80.43%$1,750,864,844 215,495MEDICAL CARD SYSTEM INC GRP130135 215,49586.12% 0.45% 80.88%$1,733,580,957 272,468MVP GRP119836 264,80087.32% 0.45% 81.32%$1,725,891,179 513,015BCBS OF AL GRP57037 414,12889.83% 0.44% 81.77%$1,713,346,230 296,398PRESBYTERIAN HLTHCARE SERV GRP48138 293,97183.68% 0.44% 82.21%$1,690,478,180 152,183UCARE GRP438039 146,95392.62% 0.43% 82.64%$1,640,444,413 407,739BCBS OF SC GRP66140 330,94487.52% 0.42% 83.06%$1,601,396,850 288,269CAMBIA HEALTH SOLUTIONS INC120741 241,93884.93% 0.41% 83.47%$1,601,174,745 421,242ARKANSAS BCBS GRP87642 375,25089.21% 0.41% 83.88%$1,573,349,382 290,316BOSTON MEDICAL CENTER HLTH PLAN INC1320343 282,49189.45% 0.40% 84.29%$1,407,182,069 119,004AMERICAS 1ST CHOICE GRP475544 119,00471.75% 0.36% 84.65%$1,401,766,828 171,033INDEPENDENT HLTH ASSN GRP489445 167,66191.17% 0.36% 85.01%$1,378,407,940 440,215CAREFIRST INC GRP38046 305,08193.74% 0.35% 85.36%$1,351,788,389 329,483IHC INC GRP88047 234,920104.02% 0.35% 85.71%$1,306,823,835 386,373BCBS OF MA GRP363748 366,07794.56% 0.34% 86.04%$1,282,993,808 438,162TUFTS GRP474249 432,92590.48% 0.33% 86.37%$1,254,315,000 224,253HEALTHPARTNERS GRP125850 194,03191.29% 0.32% 86.70%$1,198,929,277 252,788VANGUARD HLTH VENTURES GRP121251 251,78586.53% 0.31% 87.00%$1,159,346,301 224,141HAWAII MEDICAL SERV ASSN4994852 218,29085.37% 0.30% 87.30%$1,121,899,974 192,083NEIGHBORHOOD HLTH PLAN OF RI INC9540253 192,08387.19% 0.29% 87.59%$1,117,346,058 355,161COMMUNITY HLTH CHOICE INC9561554 322,24090.46% 0.29% 87.88%$1,111,235,974 217,785PREMERA BLUE CROSS GRP96255 155,61393.13% 0.29% 88.16%$1,073,251,891 310,751COMMUNITY HLTH PLAN OF WA4704956 310,75188.68% 0.28% 88.44%$1,066,972,336 430,259TEXAS CHILDRENS HLTH PLAN INC9532957 430,25989.52% 0.27% 88.71%$1,039,764,850 190,386PROVIDENCE HLTH GRP478858 151,19597.04% 0.27% 88.98%

$992,509,173 211,104SENTARA HLTH MGMT GRP118359 211,51695.60% 0.25% 89.23%$983,346,025 209,589LOUISIANA HLTH SERV GRP43860 156,86392.49% 0.25% 89.48%$939,714,581 395,068WELLMARK INC GRP77061 349,71886.60% 0.24% 89.73%$902,091,594 188,418MCLAREN HLTH GRP470062 187,66887.90% 0.23% 89.96%$885,457,396 152,672CARLE HOLDING CO GRP119263 140,91599.23% 0.23% 90.18%$874,104,991 143,906CDPHP INC GRP470864 142,19691.27% 0.22% 90.41%$872,612,658 243,547MEDICAL MUT OF OH GRP73065 163,11697.70% 0.22% 90.63%$870,599,849 69,095UNIVERSAL AMER FIN CORP GRP95366 69,09582.13% 0.22% 90.86%

© 2017 National Association of Insurance Commissioners 66

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share for Health

Grand Total for Individual business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

$868,608,226 121,969GROUP HLTH COOP GRP118567 102,65798.33% 0.22% 91.08%$840,566,181 24,224ELDERPLAN INC9566268 24,22483.80% 0.22% 91.29%$799,024,778 76,698HEALTH NOW NY INC5520469 72,77891.19% 0.21% 91.50%$779,960,508 2,931,282MCNA GRP473070 2,931,28280.51% 0.20% 91.70%$758,684,276 128,002SECURITY HLTH PLAN OF WI INC9688171 120,65688.19% 0.19% 91.90%$754,363,003 146,643MEDSTAR FAMILY CHOICE1422772 146,64391.14% 0.19% 92.09%$736,582,063 0PEOPLES HLTH INC1360773 085.00% 0.19% 92.28%$736,495,139 131,620BCBS OF RI5347374 116,57887.22% 0.19% 92.47%$735,436,625 68,647FALLON GRP474175 66,48888.03% 0.19% 92.66%$709,048,918 0HEALTH SUN HLTH PLANS1012276 083.75% 0.18% 92.84%$703,275,543 197,267CAPITAL BLUE CROSS GRP123077 160,10492.97% 0.18% 93.02%$693,575,814 186,748BCBS OF AZ INC5358978 129,88688.33% 0.18% 93.20%$687,269,112 369,335BLUE CROSS OF ID GRP129079 358,27187.64% 0.18% 93.37%$685,320,782 63,022MAGELLAN HLTH INC GRP126080 63,02279.27% 0.18% 93.55%$662,286,635 62,238ESSENCE HLTHCARE INC1169981 62,23872.82% 0.17% 93.72%$661,363,571 263,541OREGON DENTAL GRP131382 228,88493.46% 0.17% 93.89%$642,069,122 104,698NETWORK HLTH GRP267883 102,92790.95% 0.16% 94.05%$619,303,272 531,068EXPRESS SCRIPTS HOLDING GRP481384 531,06874.08% 0.16% 94.21%$603,305,002 67,825HENRY FORD HLTH SYSTEM GRP131185 56,71092.48% 0.15% 94.37%$590,857,118 0MEDISUN INC9598286 089.21% 0.15% 94.52%$589,865,638 56,422CHE TRINITY INC GRP283887 56,42292.45% 0.15% 94.67%$583,526,175 138,251SCOTT & WHITE GRP60088 114,520111.50% 0.15% 94.82%$547,787,500 243,828FAMILY HLTH NETWORK GRP484389 243,82891.38% 0.14% 94.96%$534,710,803 59,252AVMED INC9526390 46,13890.64% 0.14% 95.10%$525,194,145 139,286BCBS OF KC GRP53791 105,12294.73% 0.13% 95.23%$524,267,492 83,793BAYSTATE HLTH GRP475692 81,85291.82% 0.13% 95.37%$522,508,757 197,988PARKLAND COMM HLTH PLAN INC9541493 387.27% 0.13% 95.50%$521,564,658 45,456VIVA HLTH INC9532294 45,37984.13% 0.13% 95.64%$516,106,072 165,156DRISCOLL CHILDRENS HLTH PLAN9580995 165,15688.05% 0.13% 95.77%$494,358,684 121,243CATHOLIC HLTH INITIATIVES GRP480796 118,93699.63% 0.13% 95.89%$467,761,356 94,778HEALTH PLAN GRP129797 94,72194.99% 0.12% 96.01%$455,175,398 152,870BCBS OF NE GRP485898 126,20896.96% 0.12% 96.13%$434,276,287 119,234FIRSTCARE GRP354999 111,64590.08% 0.11% 96.24%

© 2017 National Association of Insurance Commissioners 67

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share for Health

Grand Total for Individual business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

$432,524,877 369,530ENVISION INS CO12747100 369,53097.41% 0.11% 96.35%$427,869,516 104,308MULBERRY HLTH GRP4818101 72,749120.77% 0.11% 96.46%$424,739,224 48,661HEALTH FIRST GRP4740102 44,10781.65% 0.11% 96.57%$421,078,183 114,868DEAN HLTH GRP1294103 99,60696.19% 0.11% 96.68%$409,571,172 49,974PACIFICSOURCE HLTH PLAN GRP4704104 44,89994.25% 0.11% 96.79%$402,257,613 109,172HARVARD PILGRIM HLTH CARE GRP595105 91,40899.37% 0.10% 96.89%$389,713,037 136,836COMMUNITY FIRST GRP2738106 135,26888.89% 0.10% 96.99%$359,490,081 36,189SANFORD HLTH GRP1246107 29,66496.93% 0.09% 97.08%$348,138,833 134,337COOK CHILDRENS HLTH PLAN95822108 134,33781.15% 0.09% 97.17%$338,886,580 79,972ROCKY MOUNTAIN HLTH GRP1184109 75,96085.74% 0.09% 97.26%$335,176,393 30,886KS PLAN ADMINISTRATORS LLC12827110 30,88688.90% 0.09% 97.34%$329,279,875 40,096MARTINS POINT GENERATIONS ADVANTAGE15850111 40,09693.58% 0.08% 97.43%$328,759,616 72,155UNIVERSITY HLTH CARE & GUNDERSEN LUT4870112 65,59591.00% 0.08% 97.51%$316,982,144 0ALOHA CARE95853113 085.03% 0.08% 97.59%$304,558,098 59,613TOTAL HLTH GRP1238114 57,64485.16% 0.08% 97.67%$299,149,181 31,164COMMUNITYCARE GRP3487115 30,44788.62% 0.08% 97.75%$298,014,131 51,538MAINE COMM HLTH OPTIONS15077116 34,994107.58% 0.08% 97.83%$297,126,368 87,148WISCONSIN PHYSICIANS SERV INS GRP68117 80,25877.42% 0.08% 97.90%$296,717,054 116,391TENNESSEE RURAL HLTH GRP4677118 86,13389.23% 0.08% 97.98%$295,005,937 85,445NORIDIAN MUT INS CO55891119 68,79286.83% 0.08% 98.05%$284,081,342 47,852UPPER PENINSULA HLTH PLAN LLC52615120 47,85286.50% 0.07% 98.13%$279,008,591 32,925VANTAGE HLTH GRP4783121 26,95186.72% 0.07% 98.20%$275,051,430 27,985SUMMA HLTH GRP3259122 27,98587.01% 0.07% 98.27%$263,669,711 56,710TENET HEALTHCARE CORP GRP4759123 46,646100.87% 0.07% 98.34%$245,702,698 0SENIOR WHOLE HLTH OF NY INC12776124 00.00% 0.06% 98.40%$244,124,377 425,730COLORADO ACCESS GRP4781125 425,73090.68% 0.06% 98.46%

$389,547,079,475 89,550,250Grand Total 84,224,88886.52% 100.00%

© 2017 National Association of Insurance Commissioners 68

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share for Property/Casualty

Grand Total for Individual business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

$694,079,929 879,759STATE FARM GRP1761 827,20089.47% 53.13% 53.13%$319,407,579 167,866CNA INS GRP2182 167,866325.44% 24.45% 77.58%

$82,016,909 33,647BERKSHIRE HATHAWAY GRP313 33,25976.45% 6.28% 83.86%$33,332,032 3,777,823AMTRUST NGH GRP25384 50,01668.06% 2.55% 86.41%$32,868,830 11,694AMERICAN FAMILY INS GRP4735 11,47486.70% 2.52% 88.93%$28,405,217 2,035TOKIO MARINE HOLDINGS INC GRP30986 30635.34% 2.17% 91.11%$20,819,915 0AMERICAN INTL GRP127 33262.56% 1.59% 92.70%$20,046,714 143,528UPMC HLTH SYSTEM GRP13248 143,52882.81% 1.53% 94.23%$19,800,312 282,435METROPOLITAN GRP2419 108,62935.59% 1.52% 95.75%$16,736,757 507,777CHUBB LTD GRP62610 253,93558.08% 1.28% 97.03%$13,559,892 0WHITE MOUNTAINS GRP112911 096.54% 1.04% 98.07%

$5,405,748 466,023ALLIANZ INS GRP76112 285,75342.11% 0.41% 98.48%$2,809,127 61SWISS RE GRP18113 61276.94% 0.22% 98.70%$2,445,866 2,354CENTENNIAL CAS CO3456814 2,3540.00% 0.19% 98.88%$2,283,091 3,085GENEVE HOLDINGS INC GRP45015 1,97857.09% 0.17% 99.06%$1,532,974 271,603ARCH INS GRP127916 297,78555.94% 0.12% 99.18%$1,464,778 1,041ISLAND HOME INS CO3165817 58767.76% 0.11% 99.29%$1,401,132 17,456LEON HIX GRP474818 13,5621.10% 0.11% 99.40%$1,349,572 10,451TIPTREE FIN GRP471819 10,45046.09% 0.10% 99.50%$1,349,124 60,384MUNICH RE GRP36120 60,36451.69% 0.10% 99.60%$1,123,413 0UNDERWRITERS AT LLOYDS3272721 0(570.13)% 0.09% 99.69%$1,015,824 19,850ASSURANCEAMERICA INS CO1155822 19,8500.39% 0.08% 99.77%

$525,075 7,219NATIONWIDE CORP GRP14023 7,353(53.29)% 0.04% 99.81%$395,974 145SOBC HOLDING LTD GRP488324 97273.28% 0.03% 99.84%$392,264 0TRAVELERS GRP354825 038.78% 0.03% 99.87%$339,400 324NATIONAL INS CO OF WI INS3015526 324165.77% 0.03% 99.89%$310,785 903WARRIOR INVICTUS HOLDING CO GRP472727 7400.61% 0.02% 100.00%$246,581 182LIBERTY MUT GRP11128 17116.65% 0.02% 100.00%$153,225 266AEGIS GRP31329 26640.74% 0.01% 100.00%$113,440 107HIGHMARK GRP81230 107319.00% 0.01% 100.00%$100,090 14FEDERATED MUT GRP731 13(1,865.92)% 0.01% 100.00%

$99,407 1,733FORTRESS GRP471632 1,0482.98% 0.01% 100.00%$62,160 0OLD REPUBLIC GRP15033 0(112.15)% 0.00% 100.00%

© 2017 National Association of Insurance Commissioners 69

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share for Property/Casualty

Grand Total for Individual business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

$59,337 59FARMERS INS GRP6934 59166.89% 0.00% 100.00%$52,071 305AMEX ASSUR CO2792835 207678.44% 0.00% 100.00%$32,083 68SELECTIVE INS GRP24236 68163.03% 0.00% 100.00%$29,306 3,533ASSURANT INC GRP1937 3,533(20.62)% 0.00% 100.00%$29,210 234VIRGINIA FARM BUREAU GRP20338 234(5.89)% 0.00% 100.00%$27,186 0AMERICAN FINANCIAL GRP8439 0446.02% 0.00% 100.00%$17,433 0INSUREMAX INS CO1092240 00.00% 0.00% 100.00%$15,392 330AEGON US HOLDING GRP46841 1424.91% 0.00% 100.00%$12,215 12FRANKENMUTH GRP130942 12525.74% 0.00% 100.00%$11,780 0GREAT PLAINS CAS INC1298243 1100.00% 0.00% 100.00%

$9,163 70ACCESS INS CO1171144 700.00% 0.00% 100.00%$5,286 19HORACE MANN GRP30045 14121.43% 0.00% 100.00%$4,642 0STATE AUTO MUT GRP17546 0313.87% 0.00% 100.00%$3,451 15OHIO MUT GRP96347 15(64.33)% 0.00% 100.00%$2,478 651CLOISTER MUT & WINDSOR MOUNT JOY GRP477448 651(40.36)% 0.00% 100.00%

$669 0LOCKHART CO GRP470649 00.00% 0.00% 100.00%$597 1MOTORISTS MUT GRP29150 1(288.44)% 0.00% 100.00%$271 3ARROWPOINT CAPITAL GRP55351 22,281.18% 0.00% 100.00%$219 0ALLEGHANY GRP50152 0(304.11)% 0.00% 100.00%$108 5MERCHANTS MUT GRP22653 50.00% 0.00% 100.00%$105 6BCS INS GRP2354 60.00% 0.00% 100.00%

$9 0ZURICH INS GRP21255 0(1,033.33)% 0.00% 100.00%

$1,306,306,147 6,675,076Grand Total 2,304,428141.83% 100.00%

© 2017 National Association of Insurance Commissioners 70

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share for Fraternal

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

$317,948,076 232,312THRIVENT FINANCIAL FOR LUTHERANS GRP29381 215,879212.79% 52.38% 52.38%$65,642,794 51,230KNIGHTS OF COLUMBUS580332 51,182115.80% 10.81% 63.19%$57,400,699 42,926ORDER OF UNITED COMMERCIAL TRAVELERS563833 40,86164.94% 9.46% 72.65%$44,336,669 15,080ASSURED LIFE ASSN564994 15,08073.43% 7.30% 79.95%$40,533,558 18,944EVERENCE GRP46165 16,83568.62% 6.68% 86.63%$28,080,685 7,274ROYAL NEIGHBORS OF AMER576576 7,27467.94% 4.63% 91.25%$20,465,770 101,698POLICE & FIREMENS INS ASSN580097 101,69849.69% 3.37% 94.63%$10,500,498 37,521WOODMEN WORLD LIFE INS SOC573208 35,311195.62% 1.73% 96.35%

$5,450,607 15,230GCU566939 15,23091.06% 0.90% 97.25%$3,934,086 14,749INDEPENDENT ORDER OF FORESTERS US BR5806810 14,74949.62% 0.65% 97.90%$3,760,153 38,269UNITED TRANSPORTATION UNION INS ASSN5641311 29,11535.66% 0.62% 98.52%$2,550,722 2,068WESTERN CATHOLIC UNION5771112 2,06877.80% 0.42% 98.94%$1,676,456 7,312UNITED STATES LETTER CARRIERS MUT BE5645613 5,73331.17% 0.28% 99.22%$1,186,134 8,101CATHOLIC ORDER OF FORESTERS5748714 8,101713.17% 0.20% 99.41%

$876,875 919LOYAL CHRISTIAN BENEFIT ASSN5675815 91969.26% 0.14% 99.56%$853,637 7,003KSKJ LIFE AMER SLOVENIAN CATHOLIC UN5622716 7,00386.58% 0.14% 99.70%$472,946 132SPJST5743617 13274.57% 0.08% 99.78%$363,971 0EMPLOYES MUT BENEFIT ASSN5604918 89059.57% 0.06% 99.84%$354,402 22,400TRAVELERS PROTECTIVE ASSN OF AMER5600619 22,40062.62% 0.06% 99.89%$169,646 0POLISH FALCONS OF AMER5682020 065.10% 0.03% 100.00%$160,312 419NATIONAL MUT BENEFIT5607321 419(70.46)% 0.03% 100.00%

$91,029 342MODERN WOODMEN OF AMER5754122 342259.30% 0.01% 100.00%$87,450 449CATHOLIC FINANCIAL LIFE5603023 44939.44% 0.01% 100.00%$37,651 3,196CROATIAN FRATERNAL UNION OF AMER5663424 3,93034.23% 0.01% 100.00%$27,614 140SONS OF NORWAY5714225 124148.15% 0.00% 100.00%$24,542 4,291SLOVENE NATL BENEFIT SOCIETY5767326 4,2913.39% 0.00% 100.00%$22,939 9CSA FRATERNAL LIFE5613827 936.03% 0.00% 100.00%$17,748 2,157GLEANER LIFE INS SOCIETY5615428 2,15785.13% 0.00% 100.00%

$8,113 0UKRAINIAN NATL ASSN INC5721529 00.00% 0.00% 100.00%$46 1CATHOLIC HOLY FAMILY SOCIETY5777030 1(1,028.26)% 0.00% 100.00%

$607,035,828 634,172GRAND TOTAL 602,182151.84% 100.00%

© 2017 National Association of Insurance Commissioners 71

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© 2017 National Association of Insurance Commissioners 72

Market Share by Line of BusinessIndividual Business

© 2017 National Association of Insurance Commissioners 73

Page Intentionally Left Blank

© 2017 National Association of Insurance Commissioners 74

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Comprehensive Major Medical

$5,669,399,155 1,117,718ANTHEM INC GRP6711 720,21786.49% 8.96% 8.96%$5,410,110,222 1,157,504HCSC GRP9172 730,81996.11% 8.55% 17.52%$5,198,199,887 979,452UNITEDHEALTH GRP7073 630,22699.46% 8.22% 25.74%$4,527,134,568 748,988GUIDEWELL MUT HOLDING GRP5364 500,58075.16% 7.16% 32.89%$4,147,471,535 954,541AETNA GRP15 537,37091.39% 6.56% 39.45%$3,116,463,536 800,262HUMANA GRP1196 512,345116.23% 4.93% 44.38%$2,423,233,728 373,673BCBS OF NC GRP7587 247,68780.06% 3.83% 48.21%$1,439,141,403 458,713MOLINA HEALTHCARE INC GRP15318 308,67691.03% 2.28% 50.48%$1,410,872,791 239,984INDEPENDENCE HLTH GRP INC GRP9369 158,51193.65% 2.23% 52.72%$1,349,679,527 427,458CENTENE CORP GRP129510 317,278114.35% 2.13% 54.85%$1,210,164,950 220,810BCBS OF MI GRP57211 140,26786.84% 1.91% 56.76%$1,177,838,649 308,702CAREFIRST INC GRP38012 194,31096.45% 1.86% 58.62%$1,126,924,577 221,063BCBS OF SC GRP66113 150,40092.69% 1.78% 60.41%$1,125,223,595 273,312ARKANSAS BCBS GRP87614 227,39692.75% 1.78% 62.19%$1,067,850,210 196,162BCBS OF NJ GRP120215 125,63087.25% 1.69% 63.87%$1,050,088,984 188,553HIGHMARK GRP81216 125,989106.50% 1.66% 65.53%$1,044,607,805 195,742BCBS OF TN GRP349817 132,746107.58% 1.65% 67.19%

$959,618,976 298,862KAISER FOUNDATION GRP60118 199,582115.56% 1.52% 68.70%$883,307,746 164,307BCBS OF AL GRP57019 109,43898.41% 1.40% 70.10%$856,628,293 141,232LOUISIANA HLTH SERV GRP43820 93,64694.37% 1.35% 71.45%$826,346,019 138,682PREMERA BLUE CROSS GRP96221 88,28195.59% 1.31% 72.76%$753,623,841 168,707CIGNA HLTH GRP90122 104,40899.45% 1.19% 73.95%$720,142,349 183,263IHC INC GRP88023 88,700119.15% 1.14% 75.09%$695,468,970 102,434BCBS OF MN GRP46124 64,263111.06% 1.10% 76.19%$642,604,498 129,860MEDICAL MUT OF OH GRP73025 75,38799.37% 1.02% 77.21%$586,076,446 129,065BCBS OF AZ INC5358926 74,21690.25% 0.93% 78.13%$525,645,937 100,795EMBLEM HLTH GRP112727 68,199105.11% 0.83% 78.96%$468,886,678 99,909CAMBIA HEALTH SOLUTIONS INC120728 59,41489.29% 0.74% 79.70%$460,243,111 62,215OREGON DENTAL GRP131329 40,69894.94% 0.73% 80.43%$437,958,659 95,587WELLMARK INC GRP77030 54,09596.27% 0.69% 81.12%$435,668,811 91,994BCBS OF KC GRP53731 62,26198.67% 0.69% 81.81%$427,869,516 104,308MULBERRY HLTH GRP481832 72,749120.77% 0.68% 82.49%$382,922,226 92,042BCBS OF KS GRP43033 57,068113.43% 0.61% 83.10%$368,220,930 104,996PROVIDENCE HLTH GRP478834 66,751109.05% 0.58% 83.68%

© 2017 National Association of Insurance Commissioners 75

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Comprehensive Major Medical

$355,453,091 95,697SPECTRUM HLTH GRP338335 56,69896.90% 0.56% 84.24%$342,177,542 69,096NEIGHBORHOOD HLTH PLAN INC1110936 49,266117.86% 0.54% 84.78%$333,747,138 71,467MEDICA GRP155237 46,823100.59% 0.53% 85.31%$307,574,723 89,656CARESOURCE GRP368338 63,444104.90% 0.49% 85.79%$306,573,557 43,596BCBS OF MA GRP363739 23,529108.06% 0.48% 86.28%$298,014,131 51,538MAINE COMM HLTH OPTIONS1507740 34,994107.58% 0.47% 86.75%$288,741,593 62,230BCBS OF NE GRP485841 35,568107.49% 0.46% 87.21%$285,840,744 65,021BLUE CROSS OF ID GRP129042 37,23695.05% 0.45% 87.66%$276,739,149 59,034SCOTT & WHITE GRP60043 35,303140.45% 0.44% 88.10%$261,807,237 68,248CAPITAL BLUE CROSS GRP123044 44,319110.82% 0.41% 88.51%$256,961,721 56,378HARVARD PILGRIM HLTH CARE GRP59545 38,614107.49% 0.41% 88.92%$245,070,616 84,764CATHOLIC HLTH INITIATIVES GRP480746 82,457104.55% 0.39% 89.30%$231,607,973 81,315COMMUNITY HLTH CHOICE INC9561547 48,39491.12% 0.37% 89.67%$220,961,057 60,242GROUP HLTH COOP GRP118548 41,257105.02% 0.35% 90.02%$215,749,764 31,274SENTARA HLTH MGMT GRP118349 31,889109.83% 0.34% 90.36%$210,155,269 53,145MISSISSIPPI INS GRP112650 48,18189.26% 0.33% 90.69%$198,644,832 61,755INDIANA UNIVERSITY HLTH GRP463751 61,75584.33% 0.31% 91.01%$195,342,391 28,742BCBS OF WY5376752 18,246102.79% 0.31% 91.32%$190,241,785 36,281NORIDIAN MUT INS CO5589153 19,62892.54% 0.30% 91.62%$188,979,000 70,180HEALTHPARTNERS GRP125854 43,193108.56% 0.30% 91.92%$184,264,027 47,475DEAN HLTH GRP129455 32,213111.85% 0.29% 92.21%$178,464,353 48,160BLUE SHIELD OF CA GRP279856 27,52064.28% 0.28% 92.49%$177,662,222 28,688MVP GRP119857 21,02076.32% 0.28% 92.77%$175,684,585 35,374CARLE HOLDING CO GRP119258 23,537112.64% 0.28% 93.05%$172,677,465 32,115GEISINGER INS GRP114359 22,04599.25% 0.27% 93.32%$165,862,544 28,751BCBS OF VT GRP474560 19,27295.37% 0.26% 93.58%$163,178,550 26,716SECURITY HLTH PLAN OF WI INC9688161 19,370108.71% 0.26% 93.84%$162,933,396 56,035TENNESSEE RURAL HLTH GRP467762 25,799103.70% 0.26% 94.10%$161,834,273 25,285LIFETIME HLTHCARE GRP118663 16,92482.50% 0.26% 94.35%$141,067,031 21,969WISCONSIN PHYSICIANS SERV INS GRP6864 15,20589.71% 0.22% 94.58%$139,021,089 27,340BCBS OF RI5347365 18,25789.22% 0.22% 94.80%$132,263,800 27,821NORTH SHORE LIJ HLTH CARE GRP479366 15,869119.94% 0.21% 95.01%$130,422,318 38,515BOSTON MEDICAL CENTER HLTH PLAN INC1320367 30,69081.88% 0.21% 95.21%$128,924,282 61,119TRIPLE S GRP480268 41,47780.41% 0.20% 95.42%

© 2017 National Association of Insurance Commissioners 76

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Comprehensive Major Medical

$128,134,232 27,116MONTANA HLTH COOPERATIVE1493369 18,00895.65% 0.20% 95.62%$126,619,357 29,047AVMED INC9526370 15,93399.01% 0.20% 95.82%$122,462,707 21,190UNIVERSITY HLTH CARE & GUNDERSEN LUT487071 14,63094.32% 0.19% 96.01%$117,890,814 27,350HENRY FORD HLTH SYSTEM GRP131172 16,23591.41% 0.19% 96.20%$116,730,238 24,095HAWAII MEDICAL SERV ASSN4994873 18,265115.51% 0.18% 96.38%$107,286,610 23,937PRESBYTERIAN HLTHCARE SERV GRP48174 21,510106.03% 0.17% 96.55%$105,116,885 22,481AVERA HLTH PLANS INC9583975 14,92293.64% 0.17% 96.72%

$92,826,697 11,437ROCKY MOUNTAIN HLTH GRP118476 7,425100.47% 0.15% 96.87%$91,090,531 16,533VANTAGE HLTH GRP478377 10,55988.06% 0.14% 97.01%$80,231,500 14,953COMMON GROUND HLTHCARE COOP1506178 10,777140.69% 0.13% 97.14%$79,618,418 22,961NEW MEXICO HLTH CONNECTIONS1501179 22,96199.74% 0.13% 97.26%$77,272,000 30,644TENET HEALTHCARE CORP GRP475980 20,580104.06% 0.12% 97.39%$74,819,478 13,557HEALTH FIRST GRP474081 9,00382.85% 0.12% 97.50%$73,861,551 13,210PACIFICSOURCE HLTH PLAN GRP470482 8,135119.20% 0.12% 97.62%$69,482,688 116,650TUFTS GRP474283 111,413118.53% 0.11% 97.73%$66,789,458 16,180SANFORD HLTH GRP124684 9,655114.47% 0.11% 97.84%$66,188,075 0CHUBB LTD GRP62685 073.59% 0.10% 97.94%$64,639,170 16,900FIRSTCARE GRP354986 9,311139.21% 0.10% 98.04%$63,697,696 12,440COLORADO CHOICE HLTH PLAN9577487 7,64391.93% 0.10% 98.14%$59,071,656 23,006MINUTEMAN HLTH INC1501088 17,438114.53% 0.09% 98.24%$57,849,839 10,579ALLIANT HLTH PLANS INC1125689 6,046106.95% 0.09% 98.33%$52,267,569 13,810NEIGHBORHOOD HLTH PLAN OF RI INC9540290 13,81050.07% 0.08% 98.41%$49,864,177 8,954HEALTH NOW NY INC5520491 6,263101.28% 0.08% 98.49%$48,848,180 13,411CHRISTUS HLTH PLAN1415492 13,41182.40% 0.08% 98.57%$45,477,906 19,009SENDERO HLTH PLANS INC1415193 14,06367.22% 0.07% 98.64%$43,779,592 7,940FALLON GRP474194 5,78183.58% 0.07% 98.71%$43,561,699 8,550SAINT MARYS HLTH CARE CORP GRP241895 6,10377.29% 0.07% 98.78%$38,974,843 5,033CDPHP INC GRP470896 3,35690.24% 0.06% 98.84%$38,875,380 9,350HEALTH TRADITION HLTH PLAN9662897 6,50696.71% 0.06% 98.90%$37,922,806 5,328INDEPENDENT HLTH ASSN GRP489498 3,74990.38% 0.06% 98.96%$36,625,678 15,425UCARE GRP438099 10,19598.66% 0.06% 99.02%$36,243,569 7,533AULTMAN HLTH FOUNDATION GRP4805100 7,41081.61% 0.06% 99.08%$34,288,185 7,774BAYSTATE HLTH GRP4756101 5,833108.80% 0.05% 99.13%$32,195,573 10,453COX INS GRP1203102 6,59688.25% 0.05% 99.18%

© 2017 National Association of Insurance Commissioners 77

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Comprehensive Major Medical

$31,995,136 3,775HEALTHSPAN PARTNERS GRP4831103 2,59285.77% 0.05% 99.23%$31,488,071 4,300MEMORIAL HERMANN GRP4808104 7,014127.37% 0.05% 99.28%$28,560,999 8,357HEALTH CHOICE INS CO15081105 5,535158.84% 0.05% 99.33%$26,901,813 13,158MEDICAL CARD SYSTEM INC GRP1301106 9,06679.03% 0.04% 99.37%$25,103,979 4,788NETWORK HLTH GRP2678107 3,01786.29% 0.04% 99.41%$24,130,788 4,595PIEDMONT COMM HLTH GRP4845108 3,027104.64% 0.04% 99.45%$23,943,010 5,395PHP INDIANA GRP3828109 3,071126.25% 0.04% 99.48%$23,312,646 7,439BAPTIST HLTH PLAN INC95071110 7,439137.77% 0.04% 99.52%$22,383,074 4,222SUMMA HLTH GRP3259111 4,22297.92% 0.04% 99.56%$20,716,334 5,147TOTAL HLTH GRP1238112 3,17887.46% 0.03% 99.59%$18,066,348 5,497PREMIER HLTH PARTNERS GRP4816113 3,431113.55% 0.03% 99.62%$17,960,820 4,517COMMUNITY FIRST GRP2738114 2,949100.88% 0.03% 99.65%$17,349,675 3,583VANGUARD HLTH VENTURES GRP1212115 2,58068.00% 0.03% 99.67%$17,039,200 1,793UNIVERSITY OF UT HLTH PLANS15648116 1,793117.72% 0.03% 99.70%$15,766,985 2,031MCLAREN HLTH GRP4700117 1,28179.87% 0.02% 99.73%$15,325,400 4,497AXA INS GRP968118 3,152250.31% 0.02% 99.75%$11,259,267 3,125TRUSTED HLTH PLAN DC INC14225119 3,12585.27% 0.02% 99.77%$10,841,522 2,134GROUP HLTH COOP OF S CENTRAL WI95311120 1,47889.39% 0.02% 99.78%$10,761,119 2,906UPMC HLTH SYSTEM GRP1324121 2,90685.38% 0.02% 99.80%

$9,948,000 2,203PHYSICIANS PLUS INS CORP95341122 1,34484.37% 0.02% 99.82%$9,571,565 3,207PHYSICIANS HLTH PLAN OF MID MI GRP3408123 2,10994.43% 0.02% 99.83%$9,521,771 1,864SOUTH DAKOTA STATE MED HOLDING CO96598124 1,38285.79% 0.02% 99.85%$8,902,916 2,151COMMUNITYCARE GRP3487125 1,43473.44% 0.01% 99.86%

$63,249,299,651 13,569,621Grand Total 8,901,58196.12% 100.00%

© 2017 National Association of Insurance Commissioners 78

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Short-Term Medical

$63,702,812 40,329TOKIO MARINE HOLDINGS INC GRP30981 40,32947.46% 43.76% 43.76%$26,478,320 25,456UNITEDHEALTH GRP7072 15,66650.89% 18.19% 61.95%$16,148,376 19,245GENEVE HOLDINGS INC GRP4503 12,76856.04% 11.09% 73.04%$12,464,435 14,529AMTRUST NGH GRP25384 9,25378.92% 8.56% 81.60%

$4,942,840 3,114NEW ERA LIFE GRP5205 1,87279.40% 3.40% 85.00%$3,002,881 1,547MEDICAL MUT OF OH GRP7306 1,08061.71% 2.06% 87.06%$2,940,148 243HCSC GRP9177 151219.61% 2.02% 89.08%$2,504,407 2,927SPECTRUM HLTH GRP33838 2,92722.23% 1.72% 90.80%$2,133,165 2,346BLUE CROSS OF ID GRP12909 1,53171.33% 1.47% 92.27%$1,933,926 2,234BCBS OF KC GRP53710 1,60095.65% 1.33% 93.60%$1,744,675 274BCBS OF TN GRP349811 20297.62% 1.20% 94.79%$1,087,733 1,423BCBS OF SC GRP66112 1,42351.85% 0.75% 95.54%

$896,469 39,900MUNICH RE GRP36113 39,88052.17% 0.62% 96.16%$828,907 12WESTBRIDGE CAPITAL GRP83914 111,587.89% 0.57% 96.73%$697,326 1,062ARKANSAS BCBS GRP87615 98665.78% 0.48% 97.21%$668,790 243WISCONSIN PHYSICIANS SERV INS GRP6816 16657.31% 0.46% 97.66%$648,455 381STANDARD LIFE & CAS INS CO7170617 21934.44% 0.45% 98.11%$599,452 550HIGHMARK GRP81218 550100.02% 0.41% 98.52%$553,183 0COOPERATIVA DE SEGUROS DE VIDA7971519 08.85% 0.38% 98.90%$530,725 747CARLE HOLDING CO GRP119220 51553.56% 0.36% 99.27%$438,231 948CAPITAL BLUE CROSS GRP123021 654158.50% 0.30% 99.57%$259,752 0PREFERREDONE GRP349222 061.99% 0.18% 99.75%$108,586 2,898JACKSON NATL GRP91823 2,4333.01% 0.07% 99.82%$108,362 0MEDICA GRP155224 0(0.03)% 0.07% 99.89%

$65,135 0BCBS OF MN GRP46125 031.45% 0.04% 100.00%$50,732 0NORTH CAROLINA MUT LIFE INS CO6703226 0(0.04)% 0.03% 100.00%$31,781 141CATHOLIC HLTH INITIATIVES GRP480727 141393.66% 0.02% 100.00%

$8,310 89WARRIOR INVICTUS HOLDING CO GRP472728 670.00% 0.01% 100.00%$398 0HUMANA GRP11929 05,757.54% 0.00% 100.00%

$145,574,911 160,638Grand Total 134,42467.34% 100.00%

© 2017 National Association of Insurance Commissioners 79

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Other Medical (Non-Comprehensive)

$621,202,138 2,820,089AFLAC GRP3701 1,422,43748.17% 56.46% 56.46%$92,862,976 436,060STATE FARM GRP1762 383,54545.01% 8.44% 64.90%$74,339,487 180,290UNUM GRP5653 180,29058.81% 6.76% 71.66%$55,340,857 0TRIPLE S GRP48024 063.75% 5.03% 76.69%$53,860,378 117,377GUARANTEE TRUST GRP6875 116,82437.94% 4.90% 81.58%$36,124,439 52,844KEMPER CORP GRP2156 40,90261.36% 3.28% 84.87%$28,499,449 85,238PHYSICIANS MUT GRP3677 70,80931.46% 2.59% 87.46%$18,411,363 75,969HEALTHMARKETS GRP2648 52,56329.48% 1.67% 89.13%$15,788,079 54,738ALLSTATE INS GRP89 27,41074.12% 1.43% 90.56%$13,264,217 72,340HUMANA GRP11910 36,170330.05% 1.21% 91.77%$12,167,680 11,326AMERICAN NATL FIN GRP40811 8,16350.50% 1.11% 92.88%$11,664,075 48,791MUTUAL OF OMAHA GRP26112 40,74880.15% 1.06% 93.94%$11,538,019 114,174TORCHMARK CORP GRP29013 67,82741.40% 1.05% 94.98%

$5,542,494 16,927CNO FINANCIAL GRP23314 16,27343.68% 0.50% 95.49%$3,915,061 5,299WESTBRIDGE CAPITAL GRP83915 3,07934.79% 0.36% 95.84%$3,866,703 24,512AMERICAN ENTERPRISE MUT GRP352716 23,81045.27% 0.35% 96.20%$3,470,955 5,534HEARTLAND NATL LIFE INS CO6621417 5,53426.03% 0.32% 96.51%$3,413,615 46,027AEGON US HOLDING GRP46818 31,45914.08% 0.31% 96.82%$3,389,143 4,826ATLANTIC AMER GRP58719 4,82636.41% 0.31% 97.13%$3,174,328 6,407CVS CAREMARK GRP466720 5,98717.16% 0.29% 97.42%$2,262,817 1,396CROY HALL MGMT GRP133921 80239.61% 0.21% 97.62%$2,170,382 95,938NATIONAL TEACHERS ASSOC LIFE GROUP479622 14,23369.41% 0.20% 97.82%$2,114,441 70,369AMERICAN INTL GRP1223 62,83223.63% 0.19% 98.01%$2,086,763 0COOPERATIVA DE SEGUROS DE VIDA7971524 011.63% 0.19% 98.20%$1,864,542 3,154LIFE INS CO OF AL6541225 2,16734.61% 0.17% 98.37%$1,675,375 6,862WOODMEN WORLD LIFE INS SOC5732026 4,65255.98% 0.15% 98.52%$1,392,564 4,257ASSURITY GRP486227 2,44770.81% 0.13% 98.65%$1,270,626 2,604AMERICAN FIDELITY CORP GRP33028 1,98478.98% 0.12% 98.77%$1,266,805 5,632SUN LIFE ASSUR CO OF CN GRP54929 3,75457.22% 0.12% 98.88%$1,209,387 2,420ARKANSAS BCBS GRP87630 41449.33% 0.11% 98.99%$1,014,318 116AXA INS GRP96831 10581.90% 0.09% 99.08%

$854,923 1,794UNIVERSAL AMER FIN CORP GRP95332 1,73922.17% 0.08% 99.16%$853,637 7,003KSKJ LIFE AMER SLOVENIAN CATHOLIC UN5622733 7,00386.58% 0.08% 99.24%$800,329 7,482BCBS OF KS GRP43034 5,91231.92% 0.07% 99.31%

© 2017 National Association of Insurance Commissioners 80

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Other Medical (Non-Comprehensive)

$569,812 5,481PRUDENTIAL OF AMER GRP30435 4,8322,018.70% 0.05% 99.36%$491,191 275STANDARD LIFE & CAS INS CO7170636 15626.15% 0.04% 99.41%$488,300 2,124NEW YORK LIFE GRP82637 1,79927.53% 0.04% 99.45%$470,251 978METROPOLITAN GRP24138 88978.02% 0.04% 99.50%$470,088 1,567CIGNA HLTH GRP90139 219.55% 0.04% 99.54%$444,883 4,256LOUISIANA HLTH SERV GRP43840 3,29110.95% 0.04% 99.58%$396,056 231ASSURANT INC GRP1941 188(41.31)% 0.04% 99.61%$371,028 423NATIONWIDE CORP GRP14042 389(98.09)% 0.03% 99.65%$334,593 1,107TRUSTMARK MUT HOLDING CO GRP27643 8563.85% 0.03% 99.68%$313,707 3,309THRIVENT FINANCIAL FOR LUTHERANS GRP293844 2,6082.52% 0.03% 99.71%$256,455 520ADVANTAGE CAPITAL GRP482445 52013.75% 0.02% 99.73%$233,030 510PRIMERICA GRP475046 51097.64% 0.02% 99.75%$213,808 1,878ATHENE GRP473447 1,6303.49% 0.02% 99.77%$208,865 915IOWA FARM BUREAU GRP51348 9151.38% 0.02% 99.79%$208,655 194UNITED SECURITY ASSUR CO OF PA4212949 19485.94% 0.02% 99.81%$207,320 808WILTON RE GRP421350 808126.03% 0.02% 99.83%$185,841 312UNITED SERV AUTOMOBILE ASSN GRP20051 31228.16% 0.02% 99.84%$177,365 1,305GENERAL ELECTRIC GRP35052 1,09411.39% 0.02% 99.86%$151,910 1,037KANSAS CITY LIFE INS GRP58853 1,03442.46% 0.01% 99.87%$120,554 0CITIZENS SECURITY LIFE INS CO6192154 069.49% 0.01% 99.89%$114,062 1,115CONTINENTAL GEN INS CO7140455 96653.78% 0.01% 99.90%$111,106 476PROTECTIVE LIFE INS GRP45856 476129.07% 0.01% 100.00%

$94,384 49AMERICAN FAMILY INS GRP47357 437.16% 0.01% 100.00%$93,594 534JOHN HANCOCK GRP90458 467400.97% 0.01% 100.00%$82,216 609COMMERCIAL TRAVELERS MUT INS CO8142659 6095.06% 0.01% 100.00%$76,039 136AMFIRST HOLDINGS GRP471960 136(195.16)% 0.01% 100.00%$70,095 522SOUTHERN FARM BUREAU LIFE INS CO6889661 48028.87% 0.01% 100.00%$65,936 354NEW ERA LIFE GRP52062 267(11.99)% 0.01% 100.00%$64,490 355ORDER OF UNITED COMMERCIAL TRAVELERS5638363 30178.36% 0.01% 100.00%$57,050 1,868BALTIMORE LIFE INS CO6121264 1,86834.05% 0.01% 100.00%$50,386 172GGC GRP473665 160594.27% 0.00% 100.00%$42,871 144JEFFERSON NATIONAL GRP483666 148153.15% 0.00% 100.00%$41,283 180LINCOLN NATL GRP2067 180(33.63)% 0.00% 100.00%$38,480 223BCBS OF MI GRP57268 22382.78% 0.00% 100.00%

© 2017 National Association of Insurance Commissioners 81

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Other Medical (Non-Comprehensive)

$38,237 28AETNA GRP169 287,114.91% 0.00% 100.00%$29,374 181JACKSON NATL GRP91870 18065.63% 0.00% 100.00%$29,323 166MAXIMUM CORP GRP52671 15245.75% 0.00% 100.00%$17,058 0UNIVERSAL GUAR LIFE INS CO7013072 0(3.88)% 0.00% 100.00%$16,268 85ILLINOIS MUT LIFE INS CO6458073 74(173.09)% 0.00% 100.00%$15,112 43GOLDMAN SACHS GRP389174 36574.48% 0.00% 100.00%$12,149 1,320SLOVENE NATL BENEFIT SOCIETY5767375 1,32058.58% 0.00% 100.00%

$9,981 43CATHOLIC FINANCIAL LIFE5603076 43196.12% 0.00% 100.00%$9,640 68AMERITAS MUT HOLDING GRP94377 68(57.39)% 0.00% 100.00%$8,679 22HORACE MANN GRP30078 1772.13% 0.00% 100.00%$8,303 0HARTFORD FIRE & CAS GRP9179 03,252.41% 0.00% 100.00%$7,545 31SECURITY MUT LIFE INS CO OF NY6877280 2722.24% 0.00% 100.00%$6,767 188UNITED TRANSPORTATION UNION INS ASSN5641381 187(173.36)% 0.00% 100.00%$6,275 99VOYA FINANCIAL GRP483282 97(305.29)% 0.00% 100.00%$6,186 62COLUMBIAN LIFE GRP53583 6222.63% 0.00% 100.00%$5,191 34MIDWEST HOLDING GRP473284 3452.98% 0.00% 100.00%$3,726 41SONS OF NORWAY5714285 413.17% 0.00% 100.00%$3,190 20FINANCIAL HOLDINGS GRP44986 203.32% 0.00% 100.00%$2,852 32AMERICAN FINANCIAL GRP8487 32(169.60)% 0.00% 100.00%$2,647 17KNIGHTS OF COLUMBUS5803388 171.66% 0.00% 100.00%$2,435 44NATIONAL GUARDIAN LIFE INS GRP121189 21(147.89)% 0.00% 100.00%$2,245 27CNA INS GRP21890 27408.60% 0.00% 100.00%$2,069 9SENTRY INS GRP16991 9(1,219.86)% 0.00% 100.00%$1,675 21CITIZENS GRP61292 21(41.01)% 0.00% 100.00%$1,670 5GUARDIAN LIFE GRP42993 4(1,755.45)% 0.00% 100.00%$1,472 12MEIJI YASUDA LIFE INS GRP134894 12(25.54)% 0.00% 100.00%$1,354 0COLONIAL SAVINGS GRP87895 00.74% 0.00% 100.00%$1,336 54CINCINNATI FIN GRP24496 5430.91% 0.00% 100.00%

$979 0WISCONSIN PHYSICIANS SERV INS GRP6897 01,551.79% 0.00% 100.00%$759 0CAPITAL BLUE CROSS GRP123098 0(2,211.99)% 0.00% 100.00%$725 1OZARK NATL LIFE INS CO6739399 10.00% 0.00% 100.00%$650 19GENEVE HOLDINGS INC GRP450100 19(73.38)% 0.00% 100.00%$492 1SWBC LIFE INS CO99538101 10.00% 0.00% 100.00%$472 3VIRGINIA FARM BUREAU GRP203102 30.00% 0.00% 100.00%

© 2017 National Association of Insurance Commissioners 82

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Other Medical (Non-Comprehensive)

$335 7FEDERAL LIFE INS CO63223103 72.09% 0.00% 100.00%$300 4SECURITY NATL GRP454104 4(110.67)% 0.00% 100.00%$222 2STATE MUT INS CO69132105 20.00% 0.00% 100.00%$166 1BCBS OF SC GRP661106 1(1.81)% 0.00% 100.00%

$84 4SURETY LIFE INS CO69310107 45.95% 0.00% 100.00%$46 1CATHOLIC HOLY FAMILY SOCIETY57770108 1(1,028.26)% 0.00% 100.00%$28 3MINNESOTA MUT GRP869109 30.00% 0.00% 100.00%

$1,100,246,086 4,424,469Grand Total 2,677,70853.81% 100.00%

© 2017 National Association of Insurance Commissioners 83

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Specified/Named Disease

$1,510,096,392 7,174,604AFLAC GRP3701 3,387,24473.26% 41.69% 41.69%$331,774,269 1,425,744TORCHMARK CORP GRP2902 694,45466.28% 9.16% 50.85%$308,007,944 607,515CNO FINANCIAL GRP2333 434,24783.63% 8.50% 59.35%$301,115,359 767,441UNUM GRP5654 767,44161.40% 8.31% 67.66%$195,846,727 611,730AMERICAN FIDELITY CORP GRP3305 387,68457.50% 5.41% 73.07%$106,277,546 547,654ALLSTATE INS GRP86 273,76683.68% 2.93% 76.00%

$79,984,221 111,531GUARANTEE TRUST GRP6877 61,13757.01% 2.21% 78.21%$74,758,898 282,950AEGON US HOLDING GRP4688 146,90051.24% 2.06% 80.28%$72,160,997 228,520NATIONAL TEACHERS ASSOC LIFE GROUP47969 172,07060.38% 1.99% 82.27%$60,788,335 189,714HEALTHMARKETS GRP26410 131,30132.90% 1.68% 83.95%$56,666,436 132,023MANHATTAN LIFE GRP111711 88,68968.30% 1.56% 85.51%$53,004,076 59,232WESTBRIDGE CAPITAL GRP83912 36,93729.84% 1.46% 86.97%$47,434,307 306,063MUTUAL OF OMAHA GRP26113 232,029114.48% 1.31% 88.28%$38,331,526 121,488CONTINENTAL GEN INS CO7140414 74,28868.22% 1.06% 89.34%$32,037,947 130,676AMERICAN INTL GRP1215 93,61083.31% 0.88% 90.23%$29,688,998 111,601CIGNA HLTH GRP90116 89,17135.31% 0.82% 91.04%$25,373,873 139,400KEMPER CORP GRP21517 87,10546.18% 0.70% 91.75%$24,999,132 126,734MULTINATIONAL GRP480418 69,13455.13% 0.69% 92.44%$22,831,555 51,709WILTON RE GRP421319 51,70973.70% 0.63% 93.07%$22,556,979 97,784WEST SOUTHERN GRP83620 43,328117.83% 0.62% 93.69%$21,800,675 69,968TRUSTMARK MUT HOLDING CO GRP27621 48,64147.13% 0.60% 94.29%$20,846,431 59,580ARKANSAS BCBS GRP87622 2,13256.58% 0.58% 94.87%$20,793,132 53,397LIFE INS CO OF AL6541223 30,40552.48% 0.57% 95.44%$16,461,140 36,546NEW ERA LIFE GRP52024 23,44295.66% 0.45% 95.89%$14,337,504 0CHUBB LTD GRP62625 063.21% 0.40% 96.29%$14,048,562 15,509PROTECTIVE LIFE INS GRP45826 15,509102.09% 0.39% 96.68%$13,014,864 33,632ASSURITY GRP486227 22,65287.20% 0.36% 97.04%$10,207,176 0COOPERATIVA DE SEGUROS DE VIDA7971528 057.06% 0.28% 97.32%

$9,388,294 24,746AMERICAN ENTERPRISE MUT GRP352729 15,29919.50% 0.26% 97.58%$8,463,271 79,556ATHENE GRP473430 34,82735.28% 0.23% 97.81%$7,471,625 10,711STATE MUT INS CO6913231 10,7119.13% 0.21% 98.02%$5,895,324 27,567WOODMEN WORLD LIFE INS SOC5732032 27,56764.14% 0.16% 98.18%$5,711,079 65,214NATIONAL FAMILY CARE LIFE INS CO8695933 37,26510.04% 0.16% 98.34%$5,087,621 26,638AMERICAN NATL FIN GRP40834 17,15485.02% 0.14% 98.48%

© 2017 National Association of Insurance Commissioners 84

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Specified/Named Disease

$4,946,925 17,645AETNA GRP135 17,64529.29% 0.14% 98.62%$4,419,467 13,976ASSURANT INC GRP1936 9,30623.76% 0.12% 98.74%$4,284,880 17,752HUMANA GRP11937 8,90261.66% 0.12% 98.86%$4,269,706 43,862JACKSON NATL GRP91838 23,902232.41% 0.12% 98.97%$4,133,517 26,234UNIFIED LIFE INS CO1112139 20,82852.31% 0.11% 99.09%$3,659,037 19,227PHYSICIANS MUT GRP36740 14,83060.80% 0.10% 99.19%$3,434,162 4,748VOYA FINANCIAL GRP483241 2,903124.88% 0.09% 99.28%$3,315,408 4,527CROY HALL MGMT GRP133942 2,57434.74% 0.09% 99.37%$2,421,142 6,124GGC GRP473643 5,05851.64% 0.07% 99.44%$2,238,407 31,478SOUTHERN FARM BUREAU LIFE INS CO6889644 19,46791.54% 0.06% 99.50%$2,070,975 5,213CVS CAREMARK GRP466745 4,47345.18% 0.06% 99.56%$1,885,536 23,021SUN LIFE ASSUR CO OF CN GRP54946 13,155119.65% 0.05% 99.61%$1,419,568 13,457GENERAL ELECTRIC GRP35047 9,46860.26% 0.04% 99.65%$1,220,050 19,272BCBS OF KS GRP43048 15,90027.98% 0.03% 99.69%$1,161,408 2,659GENEVE HOLDINGS INC GRP45049 2,14536.91% 0.03% 99.72%$1,139,260 4,253BOSTON MUT GRP58150 2,73239.34% 0.03% 99.75%$1,038,852 2,475LOUISIANA HLTH SERV GRP43851 1,70513.93% 0.03% 99.78%$1,005,996 22,510UNITED TRANSPORTATION UNION INS ASSN5641352 16,45627.95% 0.03% 99.81%

$718,140 2,505ATLANTIC AMER GRP58753 2,50521.90% 0.02% 99.83%$634,891 1,816JEFFERSON NATIONAL GRP483654 2,864381.82% 0.02% 99.84%$444,368 539EMC NATL LIFE CO6292855 47955.52% 0.01% 99.86%$389,196 1,130UNIVERSAL AMER FIN CORP GRP95356 1,08533.71% 0.01% 99.87%$367,347 3,556INDUSTRIAL ALLIANCE GRP31557 3,556168.04% 0.01% 99.88%$354,444 1,466EQUITABLE LIFE & CAS INS CO6295258 1,10726.04% 0.01% 99.89%$335,615 825HEARTLAND NATL LIFE INS CO6621459 82539.20% 0.01% 99.90%$304,089 3,303FIDELITY SECURITY GRP45160 1,61816.80% 0.01% 100.00%$272,343 160GENWORTH FIN GRP401161 160126.95% 0.01% 100.00%$270,830 7,773OZARK NATL LIFE INS CO6739362 4,54610.83% 0.01% 100.00%$268,116 1,477ILLINOIS MUT LIFE INS CO6458063 75121.31% 0.01% 100.00%$264,568 466FINANCIAL HOLDINGS GRP44964 466102.77% 0.01% 100.00%$256,095 1,708STANDARD LIFE & CAS INS CO7170665 1,14734.93% 0.01% 100.00%$226,973 695BALTIMORE LIFE INS CO6121266 69531.85% 0.01% 100.00%$219,890 2,088BCBS OF MI GRP57267 2,08816.02% 0.01% 100.00%$189,001 0CITIZENS SECURITY LIFE INS CO6192168 019.25% 0.01% 100.00%

© 2017 National Association of Insurance Commissioners 85

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Specified/Named Disease

$166,561 1,088SURETY LIFE & CAS INS CO6932969 1,003116.42% 0.00% 100.00%$150,981 785MAXIMUM CORP GRP52670 74563.30% 0.00% 100.00%$129,570 489WARRIOR INVICTUS HOLDING CO GRP472771 37320.96% 0.00% 100.00%$119,779 837AMTRUST NGH GRP253872 66938.98% 0.00% 100.00%$104,887 166STERLING INVESTORS LIFE INS CO8918473 16628.99% 0.00% 100.00%

$89,539 2,642CITIZENS GRP61274 2,642190.95% 0.00% 100.00%$84,848 167CENTRAL STATES GRP69075 104620.66% 0.00% 100.00%$80,442 997AMFIRST HOLDINGS GRP471976 997(451.38)% 0.00% 100.00%$80,431 191HARTFORD FIRE & CAS GRP9177 191233.20% 0.00% 100.00%$62,203 1,273NATIONAL LIFE GRP63478 70512.98% 0.00% 100.00%$54,179 57NATIONAL GUARDIAN LIFE INS GRP121179 4714.18% 0.00% 100.00%$54,175 164SECURITY NATL GRP45480 16499.51% 0.00% 100.00%$42,812 866KANSAS CITY LIFE INS GRP58881 85413.98% 0.00% 100.00%$38,841 385LINCOLN NATL GRP2082 385(6.26)% 0.00% 100.00%$35,419 68MISSISSIPPI INS GRP112683 44396.01% 0.00% 100.00%$34,125 405HORACE MANN GRP30084 27720.89% 0.00% 100.00%$33,245 251UNITED SECURITY ASSUR CO OF PA4212985 25135.56% 0.00% 100.00%$28,738 231VIRGINIA FARM BUREAU GRP20386 231(5.99)% 0.00% 100.00%$27,758 290AMERCO CORP GRP57487 2908.65% 0.00% 100.00%$18,049 779CINCINNATI FIN GRP24488 72517.77% 0.00% 100.00%$16,813 296FORTRESS GRP471689 296(27.38)% 0.00% 100.00%$15,259 156AMERITAS MUT HOLDING GRP94390 15690.31% 0.00% 100.00%$14,012 32HOMESHIELD CAPITAL GRP285891 3231.91% 0.00% 100.00%$12,591 0AMERICAN HOME LIFE INS CO6054292 229139.03% 0.00% 100.00%$10,072 0US ALLIANCE LIFE & SECURITY CO1416593 150.00% 0.00% 100.00%

$8,680 10UNITED HERITAGE MUT GRP287894 9(68.62)% 0.00% 100.00%$7,922 158CNA INS GRP21895 158(1.68)% 0.00% 100.00%$7,256 38ADVANTAGE CAPITAL GRP482496 3095.01% 0.00% 100.00%$4,943 7ORDER OF UNITED COMMERCIAL TRAVELERS5638397 7(3.70)% 0.00% 100.00%$3,730 9OLD SURETY LIFE INS CO6732698 90.00% 0.00% 100.00%$2,541 57SONS OF NORWAY5714299 41260.53% 0.00% 100.00%$1,238 6SENIOR LIFE INS CO78662100 61,635.30% 0.00% 100.00%

$945 0CITIZENS FIDELITY INS CO83968101 00.00% 0.00% 100.00%$897 372INDIANA FARM BUREAU GRP542102 346(10.81)% 0.00% 100.00%

© 2017 National Association of Insurance Commissioners 86

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Specified/Named Disease

$738 17COLUMBIAN LIFE GRP535103 170.00% 0.00% 100.00%$626 6NESTLE SA GRP4483104 60.00% 0.00% 100.00%$253 1SENTRY INS GRP169105 1100.00% 0.00% 100.00%$120 16SURETY LIFE INS CO69310106 165.83% 0.00% 100.00%$105 6BCS INS GRP23107 60.00% 0.00% 100.00%

$68 2FIRST TRINITY FIN GRP4752108 20.00% 0.00% 100.00%

$3,622,367,722 14,048,543Grand Total 7,835,53169.07% 100.00%

© 2017 National Association of Insurance Commissioners 87

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Limited Benefit

$4,372,956,085 200,190CENTENE CORP GRP12951 212,88792.24% 92.96% 92.96%$79,637,132 73,728CNO FINANCIAL GRP2332 69,49183.12% 1.69% 94.65%$59,793,157 6,368CAPITAL BLUE CROSS GRP12303 4,07082.52% 1.27% 95.92%$43,995,399 199,536VISION SERV PLAN GRP11894 199,53653.88% 0.94% 96.86%$30,915,922 223,484AFLAC GRP3705 127,39835.33% 0.66% 97.51%$26,862,270 140,002HUMANA GRP1196 110,85525.21% 0.57% 98.09%$14,884,475 33,340KEMPER CORP GRP2157 29,96627.01% 0.32% 98.40%$14,574,233 11,768NEW ERA LIFE GRP5208 7,03545.00% 0.31% 98.71%$14,499,062 206,771HEALTHMARKETS GRP2649 132,71240.89% 0.31% 99.02%$11,082,272 7,906AMERICAN ENTERPRISE MUT GRP352710 6,11118.96% 0.24% 99.26%

$3,560,062 1,502ADVANTAGE CAPITAL GRP482411 1,50237.21% 0.08% 99.33%$3,401,980 10,163SOUTHLAND NATL HOLDING GRP482712 10,16368.28% 0.07% 99.40%$3,152,543 15,300UNITEDHEALTH GRP70713 13,54425.08% 0.07% 99.47%$2,886,435 1,113CIGNA HLTH GRP90114 93022.90% 0.06% 99.53%$2,537,003 97,159UPMC HLTH SYSTEM GRP132415 97,15980.46% 0.05% 99.59%$2,273,465 33,235AMERITAS MUT HOLDING GRP94316 33,23520.81% 0.05% 99.63%$1,907,904 39,917ANTHEM INC GRP67117 27,93554.03% 0.04% 99.67%$1,829,853 1,636ORDER OF UNITED COMMERCIAL TRAVELERS5638318 1,63613.81% 0.04% 99.71%$1,591,214 2,100NATIONAL GUARDIAN LIFE INS GRP121119 2,10049.55% 0.03% 99.75%$1,532,436 16,987FIDELITY SECURITY GRP45120 11,89064.85% 0.03% 99.78%$1,346,522 9,082METROPOLITAN GRP24121 8,376172.65% 0.03% 99.81%$1,339,538 15,091MEDICAL MUT OF OH GRP73022 8,77062.80% 0.03% 99.84%$1,316,201 3,849STANDARD LIFE & CAS INS CO7170623 3,84933.85% 0.03% 99.86%

$908,817 1,250UNITED SECURITY ASSUR CO OF PA4212924 1,25016.23% 0.02% 99.88%$797,378 879STERLING INVESTORS LIFE INS CO8918425 87923.89% 0.02% 100.00%$735,044 1,475TIPTREE FIN GRP471826 1,47567.09% 0.02% 100.00%$659,271 3,462UNIFIED LIFE INS CO1112127 3,11424.40% 0.01% 100.00%$621,310 1,353BCBS OF MI GRP57228 1,22820.83% 0.01% 100.00%$598,437 477HCSC GRP91729 31925.13% 0.01% 100.00%$369,188 732CONTINENTAL GEN INS CO7140430 51441.53% 0.01% 100.00%$277,192 3,317CAMBIA HEALTH SOLUTIONS INC120731 1,760110.13% 0.01% 100.00%$271,700 296KANSAS CITY LIFE INS GRP58832 296577.61% 0.01% 100.00%$258,149 4,053WESTBRIDGE CAPITAL GRP83933 2,43446.22% 0.01% 100.00%$183,750 206CVS CAREMARK GRP466734 20633.66% 0.00% 100.00%

© 2017 National Association of Insurance Commissioners 88

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Limited Benefit

$158,797 8JEFFERSON LIFE INS CO9479035 439.41% 0.00% 100.00%$130,500 218PHYSICIANS MUT GRP36736 218121.88% 0.00% 100.00%$126,212 463NESTLE SA GRP448337 46364.70% 0.00% 100.00%

$85,721 1,005OPTICARE OF UT1253338 45347.92% 0.00% 100.00%$57,064 315FORTRESS GRP471639 271(32.70)% 0.00% 100.00%$31,506 0GENEVE HOLDINGS INC GRP45040 045.39% 0.00% 100.00%$27,522 54HORACE MANN GRP30041 5031.70% 0.00% 100.00%$27,478 30GGC GRP473642 30(4.00)% 0.00% 100.00%$13,815 104MISSISSIPPI INS GRP112643 514.60% 0.00% 100.00%$12,566 307ALFA INS GRP544 307181.45% 0.00% 100.00%

$6,319 29NEW YORK LIFE GRP82645 2560.29% 0.00% 100.00%$3,989 32SURETY LIFE & CAS INS CO6932946 3242.44% 0.00% 100.00%$2,815 36FINANCIAL HOLDINGS GRP44947 36(17.30)% 0.00% 100.00%$1,941 0AMTRUST NGH GRP253848 00.00% 0.00% 100.00%$1,343 19CENTRAL STATES GRP69049 155.36% 0.00% 100.00%

$893 1FARMERS INS GRP6950 1(51.85)% 0.00% 100.00%$787 9MAPFRE INS GRP41151 77.37% 0.00% 100.00%$564 2INDUSTRIAL ALLIANCE GRP31552 27.09% 0.00% 100.00%$453 1JACKSON NATL GRP91853 1150.77% 0.00% 100.00%

$93 3CITIZENS GRP61254 3270.97% 0.00% 100.00%$18 1RENAISSANCE HLTH SERV CORP GRP47755 10.00% 0.00% 100.00%

$4,704,245,795 1,370,364Grand Total 1,136,59589.86% 100.00%

© 2017 National Association of Insurance Commissioners 89

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Student

$73,093,836 38,206BCBS OF MA GRP36371 37,97790.54% 75.13% 75.13%$11,648,300 8,840CDPHP INC GRP47082 8,807110.42% 11.97% 87.11%

$4,100,106 84SCOTT & WHITE GRP6003 8484.17% 4.21% 91.32%$3,649,177 1,809VIVA HLTH INC953224 1,73266.09% 3.75% 95.07%$2,217,210 562HAWAII MEDICAL SERV ASSN499485 54148.39% 2.28% 97.35%$1,299,601 244UNITEDHEALTH GRP7076 141107.70% 1.34% 98.69%$1,235,531 584WISCONSIN PHYSICIANS SERV INS GRP687 58352.55% 1.27% 100.00%

$40,390 286UNIVERSAL FIDELITY LIFE INS CO701228 28645.95% 0.04% 100.00%

$97,284,151 50,615Grand Total 50,15190.18% 100.00%

© 2017 National Association of Insurance Commissioners 90

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Accident Only or AD&D

$1,250,778,584 6,731,270AFLAC GRP3701 3,173,79139.30% 48.37% 48.37%$306,816,175 899,587UNUM GRP5652 899,58736.49% 11.87% 60.24%$219,002,546 0CHUBB LTD GRP6263 039.81% 8.47% 68.71%$121,164,076 1,881,889TORCHMARK CORP GRP2904 1,492,68943.76% 4.69% 73.40%

$89,027,251 280,475AMERICAN FIDELITY CORP GRP3305 215,03041.99% 3.44% 76.84%$70,895,608 149,557CNO FINANCIAL GRP2336 130,77165.56% 2.74% 79.58%$69,926,284 279,208ALLSTATE INS GRP87 143,26241.78% 2.70% 82.29%$65,428,631 353,627AMERICAN INTL GRP128 293,03931.06% 2.53% 84.82%$41,307,652 298,841MUTUAL OF OMAHA GRP2619 215,19832.31% 1.60% 86.41%$38,775,373 452,125AEGON US HOLDING GRP46810 286,16442.14% 1.50% 87.91%$34,431,050 560,747TIPTREE FIN GRP471811 560,7466.03% 1.33% 89.25%$33,018,024 237,085HEALTHMARKETS GRP26412 158,36719.41% 1.28% 90.52%$23,057,940 114,520NATIONAL TEACHERS ASSOC LIFE GROUP479613 56,85349.05% 0.89% 91.41%$21,755,022 151,546GUARANTEE TRUST GRP68714 151,40166.36% 0.84% 92.26%$20,348,213 99,723POLICE & FIREMENS INS ASSN5800915 99,72350.21% 0.79% 93.04%$19,084,509 1,080,597ASSURANT INC GRP1916 1,024,4214.83% 0.74% 93.78%$17,142,402 114,897TRUSTMARK MUT HOLDING CO GRP27617 60,37072.99% 0.66% 94.44%$13,689,581 212,608KEMPER CORP GRP21518 132,05231.37% 0.53% 94.97%$12,194,334 82,339ZURICH INS GRP21219 83,70936.68% 0.47% 95.44%$11,601,269 71,024BOSTON MUT GRP58120 35,28018.10% 0.45% 95.89%$10,924,506 632,949FORTRESS GRP471621 521,67755.21% 0.42% 96.32%

$9,088,825 111,934NESTLE SA GRP448322 111,93422.09% 0.35% 96.67%$9,003,571 53,002WESTBRIDGE CAPITAL GRP83923 31,46849.79% 0.35% 97.02%$7,710,962 21,145CIGNA HLTH GRP90124 16,94337.10% 0.30% 97.31%$7,593,373 26,036ARKANSAS BCBS GRP87625 1,27620.02% 0.29% 97.61%$5,164,292 26,435ASSURITY GRP486226 22,06335.21% 0.20% 97.81%$4,616,864 18,546MANHATTAN LIFE GRP111727 13,32450.03% 0.18% 97.99%$3,896,577 14,423INDEPENDENT ORDER OF FORESTERS US BR5806828 14,42349.17% 0.15% 98.14%$3,305,961 48,481AMERICAN NATL FIN GRP40829 42,64118.95% 0.13% 98.26%$3,299,022 43,247WEST SOUTHERN GRP83630 25,19749.64% 0.13% 98.39%$2,809,127 61SWISS RE GRP18131 61276.94% 0.11% 98.50%$2,735,363 0USIC GRP359332 037.88% 0.11% 98.61%$2,605,589 0COOPERATIVA DE SEGUROS DE VIDA7971533 06.19% 0.10% 98.71%$2,581,132 9,182LIFE INS CO OF AL6541234 6,37026.82% 0.10% 98.81%

© 2017 National Association of Insurance Commissioners 91

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Accident Only or AD&D

$2,566,123 15,818ILLINOIS MUT LIFE INS CO6458035 8,90854.30% 0.10% 98.91%$2,549,374 8,760NEW ERA LIFE GRP52036 5,54041.09% 0.10% 99.00%$2,492,506 17,777AXA INS GRP96837 17,77752.17% 0.10% 99.10%$1,952,248 9,241BCBS OF MI GRP57238 4,53529.98% 0.08% 99.18%$1,603,562 9,876UNITEDHEALTH GRP70739 10,36342.37% 0.06% 99.24%$1,466,151 125,585CUNA MUT GRP30640 102,770245.17% 0.06% 99.30%$1,427,747 13,056UNITED TRANSPORTATION UNION INS ASSN5641341 9,95810.17% 0.06% 99.35%$1,401,132 17,456LEON HIX GRP474842 13,5621.10% 0.05% 99.40%$1,290,215 29,139GENERAL ELECTRIC GRP35043 14,00638.84% 0.05% 99.45%$1,185,462 6,462CONTINENTAL GEN INS CO7140444 4,129(10.50)% 0.05% 99.50%$1,155,854 42,090ATHENE GRP473445 26,108(4.88)% 0.04% 99.55%$1,015,824 19,850ASSURANCEAMERICA INS CO1155846 19,8500.39% 0.04% 99.58%

$888,214 4,625PHYSICIANS MUT GRP36747 3,22523.58% 0.03% 99.62%$750,984 16,739ORDER OF UNITED COMMERCIAL TRAVELERS5638348 15,11536.86% 0.03% 99.65%$748,523 10,025CVS CAREMARK GRP466749 9,49154.09% 0.03% 99.68%$648,587 22,242ALFA INS GRP550 22,242(7.94)% 0.03% 99.70%$637,115 43,588HOOSIER MOTOR MUT INS CO2795251 435,8754.10% 0.02% 99.73%$582,225 2,426GENEVE HOLDINGS INC GRP45052 2,35547.54% 0.02% 99.75%$559,651 17,445CITIZENS GRP61253 17,44513.94% 0.02% 99.77%$452,655 20,484MUNICH RE GRP36154 20,48450.74% 0.02% 99.79%$417,250 0CAMBIA HEALTH SOLUTIONS INC120755 02.40% 0.02% 99.80%$392,264 0TRAVELERS GRP354856 061.44% 0.02% 99.82%$387,180 967SURETY LIFE & CAS INS CO6932957 86752.75% 0.01% 99.83%$365,062 3,631AMTRUST NGH GRP253858 2,96023.57% 0.01% 99.85%$354,402 22,400TRAVELERS PROTECTIVE ASSN OF AMER5600659 22,40062.62% 0.01% 99.86%$330,924 2,900LINCOLN HERITAGE LIFE INS CO6592760 2,9009.82% 0.01% 99.88%$309,095 4,476UNIFIED LIFE INS CO1112161 4,3314.57% 0.01% 99.89%$298,908 3,866RESERVOIR CAPITAL GRP476462 3,866(19.46)% 0.01% 99.90%$278,715 137,102INTER AMER GRP86363 137,10241.99% 0.01% 100.00%$189,726 668ATLANTIC AMER GRP58764 66854.27% 0.01% 100.00%$187,582 6,950NATIONWIDE CORP GRP14065 7,09853.54% 0.01% 100.00%$160,139 1,126WILTON RE GRP421366 1,126(27.21)% 0.01% 100.00%$159,465 997CROY HALL MGMT GRP133967 60748.00% 0.01% 100.00%$155,285 2,947UNION LABOR GRP78168 1,1403.65% 0.01% 100.00%

© 2017 National Association of Insurance Commissioners 92

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Accident Only or AD&D

$141,743 13TOKIO MARINE HOLDINGS INC GRP309869 1368.94% 0.01% 100.00%$100,468 3,005KANSAS CITY LIFE INS GRP58870 3,00520.63% 0.00% 100.00%

$93,176 289HOMESHIELD CAPITAL GRP285871 28975.71% 0.00% 100.00%$85,725 0COLONIAL SAVINGS GRP87872 00.00% 0.00% 100.00%$78,884 486,264OLD REPUBLIC GRP15073 486,264(1,403.91)% 0.00% 100.00%$73,610 1,859ADVANTAGE CAPITAL GRP482474 1,052(0.35)% 0.00% 100.00%$73,563 1,412BERKSHIRE HATHAWAY GRP3175 1,24359.20% 0.00% 100.00%$72,950 362STANDARD LIFE & CAS INS CO7170676 23946.08% 0.00% 100.00%$69,033 2,098UNIVERSAL AMER FIN CORP GRP95377 1,74445.25% 0.00% 100.00%$60,502 4,331SECURITY NATL GRP45478 4,33114.19% 0.00% 100.00%$59,131 753MAPFRE INS GRP41179 53924.67% 0.00% 100.00%$55,770 330SECURITY MUT LIFE INS CO OF NY6877280 33021.51% 0.00% 100.00%$52,820 627AMALGAMATED LIFE INS CO6021681 62711.16% 0.00% 100.00%$43,517 1,257SAMMONS ENTERPRISES GRP43182 1,257262.77% 0.00% 100.00%$35,118 434LIBERTY LIFE GRP TRUST GRP343683 204.14% 0.00% 100.00%$34,389 0GREAT WEST GRP76984 03.94% 0.00% 100.00%$28,586 24AMERICAN FINANCIAL GRP8485 24416.43% 0.00% 100.00%$28,436 1,275LINCOLN NATL GRP2086 1,2754.43% 0.00% 100.00%$27,284 92GENWORTH FIN GRP401187 9228.96% 0.00% 100.00%$25,112 2,992JACKSON NATL GRP91888 2,989215.23% 0.00% 100.00%$23,324 642HORACE MANN GRP30089 64187.85% 0.00% 100.00%$19,841 1,897CINCINNATI FIN GRP24490 1,897(6.61)% 0.00% 100.00%$18,714 851INDUSTRIAL ALLIANCE GRP31591 851(11.89)% 0.00% 100.00%$17,433 0INSUREMAX INS CO1092292 00.00% 0.00% 100.00%$14,035 313COMMERCIAL TRAVELERS MUT INS CO8142693 31372.92% 0.00% 100.00%$12,142 478AMERICAN FAMILY INS GRP47394 33124.71% 0.00% 100.00%$11,808 101PREFERREDONE GRP349295 780.00% 0.00% 100.00%$11,780 0GREAT PLAINS CAS INC1298296 1100.00% 0.00% 100.00%$11,237 100GRANGE MUT CAS GRP26797 1000.00% 0.00% 100.00%$11,011 98JEFFERSON NATIONAL GRP483698 10261.91% 0.00% 100.00%$10,800 2,107GLEANER LIFE INS SOCIETY5615499 2,10749.69% 0.00% 100.00%

$9,163 70ACCESS INS CO11711100 700.00% 0.00% 100.00%$7,857 2,013FEDERAL LIFE INS CO63223101 2,01342.65% 0.00% 100.00%$6,355 32EQUITABLE LIFE & CAS INS CO62952102 3210.89% 0.00% 100.00%

© 2017 National Association of Insurance Commissioners 93

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Accident Only or AD&D

$5,426 55SOUTHLAND NATL HOLDING GRP4827103 55(0.17)% 0.00% 100.00%$4,988 432BALTIMORE LIFE INS CO61212104 432(122.89)% 0.00% 100.00%$4,958 483BCBS OF KS GRP430105 4836.33% 0.00% 100.00%$4,921 106CATHOLIC FINANCIAL LIFE56030106 10616.91% 0.00% 100.00%$3,989 53STATE FARM GRP176107 535.34% 0.00% 100.00%$3,467 15UNITED SECURITY ASSUR CO OF PA42129108 15(57.83)% 0.00% 100.00%$3,255 167FIRST TRINITY FIN GRP4752109 1520.00% 0.00% 100.00%$2,881 29AMFIRST HOLDINGS GRP4719110 29(100.35)% 0.00% 100.00%$2,478 16MAXIMUM CORP GRP526111 1462.39% 0.00% 100.00%$2,367 18OLD SURETY LIFE INS CO67326112 180.00% 0.00% 100.00%$2,115 47GUARDIAN LIFE GRP429113 46(1,268.94)% 0.00% 100.00%$2,077 95AMERICAN ENTERPRISE MUT GRP3527114 8726.00% 0.00% 100.00%$2,036 23THRIVENT FINANCIAL FOR LUTHERANS GRP2938115 2111,655.84% 0.00% 100.00%$1,856 0WICHITA NATL LIFE GRP132116 00.00% 0.00% 100.00%$1,635 13FARMERS INS GRP69117 13(18.65)% 0.00% 100.00%$1,528 13ALLIANZ INS GRP761118 131,006.35% 0.00% 100.00%$1,406 30KNIGHTS OF COLUMBUS58033119 27(0.71)% 0.00% 100.00%

$989 8AETNA GRP1120 80.00% 0.00% 100.00%$972 18VOYA FINANCIAL GRP4832121 143(20.37)% 0.00% 100.00%$921 0METROPOLITAN GRP241122 0(572.10)% 0.00% 100.00%$669 0LOCKHART CO GRP4706123 00.00% 0.00% 100.00%$555 0EMC NATL LIFE CO62928124 051.71% 0.00% 100.00%$465 119SCOTT & WHITE GRP600125 119569.89% 0.00% 100.00%

$2,585,623,400 16,215,724Grand Total 11,484,37939.53% 100.00%

© 2017 National Association of Insurance Commissioners 94

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Disability Income - Short-Term

$1,022,689,904 1,757,597AFLAC GRP3701 1,757,58549.06% 43.23% 43.23%$528,422,880 861,380UNUM GRP5652 861,38048.99% 22.33% 65.56%

$89,251,309 196,659STATE FARM GRP1763 196,65938.72% 3.77% 69.33%$74,825,221 36,654NORTHWESTERN MUT GRP8604 36,65423.39% 3.16% 72.50%$67,581,881 0CHUBB LTD GRP6265 042.46% 2.86% 75.35%$54,376,627 83,686ALLSTATE INS GRP86 83,68647.95% 2.30% 77.65%$52,899,699 29,785PRINCIPAL FIN GRP3327 29,78574.20% 2.24% 79.89%$50,049,352 21,954GUARDIAN LIFE GRP4298 21,95439.72% 2.12% 82.00%$49,842,767 103,491AEGON US HOLDING GRP4689 51,82761.62% 2.11% 84.11%$32,191,374 172TOKIO MARINE HOLDINGS INC GRP309810 172175.05% 1.36% 85.47%$31,248,455 3,775,478AMTRUST NGH GRP253811 48,45162.05% 1.32% 86.79%$30,293,036 38,086ASSURITY GRP486212 38,02038.34% 1.28% 88.07%$30,010,564 44,523TRUSTMARK MUT HOLDING CO GRP27613 44,52352.87% 1.27% 89.34%$29,788,735 38,870NATIONAL TEACHERS ASSOC LIFE GROUP479614 42,39957.07% 1.26% 90.60%$25,624,587 14,134MEIJI YASUDA LIFE INS GRP134815 16,28135.22% 1.08% 91.68%$23,672,166 15,755METROPOLITAN GRP24116 15,75564.31% 1.00% 92.68%$22,768,111 14,602AMERITAS MUT HOLDING GRP94317 14,60218.61% 0.96% 93.64%$22,522,798 52,122ILLINOIS MUT LIFE INS CO6458018 52,12259.75% 0.95% 94.59%$19,623,746 28,845SUN LIFE ASSUR CO OF CN GRP54919 23,07657.33% 0.83% 95.42%$13,435,815 21,341HUMANA GRP11920 17,04258.48% 0.57% 95.99%$12,325,929 58,096AMERICAN INTL GRP1221 38,501120.25% 0.52% 96.51%

$9,545,379 12,055MUTUAL OF OMAHA GRP26122 12,05565.39% 0.40% 96.92%$8,121,649 5,942FEDERATED MUT GRP723 5,94224.76% 0.34% 97.26%$5,134,751 2,544MINNESOTA MUT GRP86924 3,27916.28% 0.22% 97.48%$4,933,564 11,975HEALTHMARKETS GRP26425 11,88014.24% 0.21% 97.69%$4,560,232 5,914BOSTON MUT GRP58126 5,91482.82% 0.19% 97.88%$3,933,897 31,422FORTRESS GRP471627 31,4221.01% 0.17% 98.04%$3,500,665 2,557OHIO NATL LIFE GRP70428 2,55774.74% 0.15% 98.19%$3,440,308 1,987COUNTRY INS & FIN SERV GRP5029 1,987108.70% 0.15% 98.34%$3,224,897 1,040CVS CAREMARK GRP466730 1,03771.55% 0.14% 98.47%$2,694,735 196AMERICAN ENTERPRISE MUT GRP352731 19625.52% 0.11% 98.59%$2,554,337 1,970LINCOLN NATL GRP2032 1,970337.86% 0.11% 98.70%$2,321,361 5,596JACKSON NATL GRP91833 5,59617.73% 0.10% 98.79%$2,320,143 5,936IOWA FARM BUREAU GRP51334 5,9365.86% 0.10% 98.89%

© 2017 National Association of Insurance Commissioners 95

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Disability Income - Short-Term

$1,986,234 3,329AUTO OWNERS GRP28035 3,32917.84% 0.08% 98.98%$1,909,806 3,837LIFE INS CO OF AL6541236 3,83746.56% 0.08% 99.06%$1,885,645 4,129NATIONAL GUARDIAN LIFE INS GRP121137 4,129118.09% 0.08% 99.14%$1,721,045 2,227AMERICAN NATL FIN GRP40838 2,22531.74% 0.07% 99.21%$1,599,927 1,910AMALGAMATED LIFE INS CO6021639 1,91076.81% 0.07% 99.28%$1,385,098 6,866BERKSHIRE HATHAWAY GRP3140 6,64711.69% 0.06% 99.34%$1,293,406 2,635UNITED STATES LETTER CARRIERS MUT BE5645641 2,63542.75% 0.05% 99.39%$1,227,726 2,515UNITED TRANSPORTATION UNION INS ASSN5641342 2,51468.26% 0.05% 99.44%$1,185,373 8,255UNIFIED LIFE INS CO1112143 8,25522.45% 0.05% 99.49%$1,083,931 9,110KEMPER CORP GRP21544 9,01116.26% 0.05% 99.54%$1,054,569 0AMERICAN LABOR LIFE INS CO8942745 00.00% 0.04% 99.58%

$976,172 920ZURICH INS GRP21246 91410.85% 0.04% 99.62%$889,966 1,953HORACE MANN GRP30047 1,95329.19% 0.04% 99.66%$788,303 733CIGNA HLTH GRP90148 733182.64% 0.03% 99.69%$785,974 764NATIONWIDE CORP GRP14049 764325.70% 0.03% 99.73%$778,697 1,141LEADERS LIFE INS CO7479950 1,14141.42% 0.03% 99.76%$731,259 963MANHATTAN LIFE GRP111751 93738.18% 0.03% 99.79%$644,208 1,445INDIANA FARM BUREAU GRP54252 1,39344.51% 0.03% 99.82%$449,086 848ATLANTIC AMER GRP58753 84852.63% 0.02% 99.84%$412,512 762ASSURANT INC GRP1954 74972.37% 0.02% 99.86%$410,433 178EMC NATL LIFE CO6292855 17836.91% 0.02% 99.87%$363,971 0EMPLOYES MUT BENEFIT ASSN5604956 89059.57% 0.02% 99.89%$274,863 442AMFIRST HOLDINGS GRP471957 4423.96% 0.01% 99.90%$256,845 121FIDELITY SECURITY GRP45158 3817.14% 0.01% 100.00%$254,837 955CUNA MUT GRP30659 955(633.86)% 0.01% 100.00%$173,912 479CONTINENTAL GEN INS CO7140460 47911.23% 0.01% 100.00%$153,225 266AEGIS GRP31361 26640.74% 0.01% 100.00%$137,699 2,666WILTON RE GRP421362 2,45646.78% 0.01% 100.00%$125,654 207WARRIOR INVICTUS HOLDING CO GRP472763 2073.32% 0.01% 100.00%$117,557 1,975POLICE & FIREMENS INS ASSN5800964 1,975(41.55)% 0.00% 100.00%$115,787 3,393COMMERCIAL TRAVELERS MUT INS CO8142665 3,39320.67% 0.00% 100.00%$103,093 213KANSAS CITY LIFE INS GRP58866 213(26.52)% 0.00% 100.00%$100,776 255TORCHMARK CORP GRP29067 25565.23% 0.00% 100.00%

$97,704 161COLUMBIAN LIFE GRP53568 161142.53% 0.00% 100.00%

© 2017 National Association of Insurance Commissioners 96

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Disability Income - Short-Term

$91,029 342MODERN WOODMEN OF AMER5754169 342259.30% 0.00% 100.00%$71,376 146PHYSICIANS MUT GRP36770 14624.70% 0.00% 100.00%$69,713 163AMERICAN FIDELITY CORP GRP33071 163100.05% 0.00% 100.00%$61,891 150UNION LABOR GRP78172 15072.28% 0.00% 100.00%$57,873 55SECURITY MUT LIFE INS CO OF NY6877273 55(54.77)% 0.00% 100.00%$53,844 1,473ATHENE GRP473474 1,4684,030.55% 0.00% 100.00%$49,930 56SURETY LIFE INS CO6931075 56111.79% 0.00% 100.00%$31,781 124AMERICAN FAMILY INS GRP47376 125(10.03)% 0.00% 100.00%$30,011 88NEW ERA LIFE GRP52077 87154.12% 0.00% 100.00%$28,020 0NORTH CAROLINA MUT LIFE INS CO6703278 0138.51% 0.00% 100.00%$21,882 33PAN AMER LIFE GRP52579 33(186.63)% 0.00% 100.00%$19,782 32UNITED SECURITY ASSUR CO OF PA4212980 322.83% 0.00% 100.00%$14,703 0COOPERATIVA DE SEGUROS DE VIDA7971581 0216.65% 0.00% 100.00%$13,672 76INDUSTRIAL ALLIANCE GRP31582 7612.30% 0.00% 100.00%$13,122 55FEDERAL LIFE INS CO6322383 55127.22% 0.00% 100.00%$11,311 36STATE MUT INS CO6913284 3556.26% 0.00% 100.00%$11,055 2,951SLOVENE NATL BENEFIT SOCIETY5767385 2,951(45.23)% 0.00% 100.00%$10,212 67STANDARD LIFE & CAS INS CO7170686 670.00% 0.00% 100.00%

$9,707 57CENTRAL STATES GRP69087 57439.49% 0.00% 100.00%$8,954 25SURETY LIFE & CAS INS CO6932988 25114.64% 0.00% 100.00%$8,494 0COLONIAL SAVINGS GRP87889 0302.65% 0.00% 100.00%$5,802 13KNIGHTS OF COLUMBUS5803390 13110.69% 0.00% 100.00%$5,587 45GLEANER LIFE INS SOCIETY5615491 45104.33% 0.00% 100.00%$4,725 9ADVANTAGE CAPITAL GRP482492 93.03% 0.00% 100.00%$4,372 15VOYA FINANCIAL GRP483293 14(194.74)% 0.00% 100.00%$4,024 24LIBERTY MUT GRP11194 24829.52% 0.00% 100.00%$3,700 22GGC GRP473695 22316.92% 0.00% 100.00%$3,226 10BALTIMORE LIFE INS CO6121296 10(34.84)% 0.00% 100.00%$2,326 0UNIVERSAL GUAR LIFE INS CO7013097 0877.34% 0.00% 100.00%$2,265 4BCBS OF SC GRP66198 4(385.52)% 0.00% 100.00%$1,989 7ASSURED LIFE ASSN5649999 7(46.00)% 0.00% 100.00%$1,781 23AMERCO CORP GRP574100 23(1.01)% 0.00% 100.00%$1,670 49CITIZENS GRP612101 4910.12% 0.00% 100.00%

$771 3BCBS OF KS GRP430102 30.00% 0.00% 100.00%

© 2017 National Association of Insurance Commissioners 97

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Disability Income - Short-Term

$753 1TIPTREE FIN GRP4718103 10.00% 0.00% 100.00%$583 6OLD SURETY LIFE INS CO67326104 60.00% 0.00% 100.00%$423 3FORESTERS LIFE INS ANN CO63495105 31,729.55% 0.00% 100.00%$362 3GPM LIFE GRP4712106 40.00% 0.00% 100.00%$299 1GENERAL ELECTRIC GRP350107 1(14.05)% 0.00% 100.00%$184 2EQUITABLE LIFE & CAS INS CO62952108 20.00% 0.00% 100.00%$164 18CLOISTER MUT & WINDSOR MOUNT JOY GRP4774109 180.00% 0.00% 100.00%

$2,365,939,464 7,354,204Grand Total 3,552,60250.74% 100.00%

© 2017 National Association of Insurance Commissioners 98

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Disability Income - Long-Term

$1,066,492,077 748,875NORTHWESTERN MUT GRP8601 748,87550.37% 22.15% 22.15%$929,452,493 628,597UNUM GRP5652 628,597124.46% 19.31% 41.46%$618,667,822 279,676GUARDIAN LIFE GRP4293 279,67680.97% 12.85% 54.31%$488,845,466 240,215MASS MUT LIFE INS GRP4354 271,90973.45% 10.15% 64.47%$379,127,213 179,422METROPOLITAN GRP2415 184,82261.64% 7.88% 72.34%$352,838,641 147,481PRINCIPAL FIN GRP3326 147,48160.85% 7.33% 79.67%$197,765,455 79,235MEIJI YASUDA LIFE INS GRP13487 93,63360.32% 4.11% 83.78%$149,541,326 119,900AMERIPRISE FIN GRP48 119,90028.49% 3.11% 86.88%$111,631,574 63,919AMERITAS MUT HOLDING GRP9439 63,91956.18% 2.32% 89.20%

$44,309,145 34,735NEW YORK LIFE GRP82610 34,735113.65% 0.92% 90.12%$43,177,337 30,641AXA INS GRP96811 30,641564.68% 0.90% 91.02%$42,762,356 69,525THRIVENT FINANCIAL FOR LUTHERANS GRP293812 69,22628.21% 0.89% 91.91%$31,373,603 46,748ILLINOIS MUT LIFE INS CO6458013 46,74871.15% 0.65% 92.56%$30,844,908 15,710OHIO NATL LIFE GRP70414 15,71090.11% 0.64% 93.20%$30,301,784 24,165PROTECTIVE LIFE INS GRP45815 24,16568.27% 0.63% 93.83%$26,438,283 27,158MUTUAL OF OMAHA GRP26116 27,12860.61% 0.55% 94.38%$25,792,150 13,115MINNESOTA MUT GRP86917 16,809172.13% 0.54% 94.92%$24,648,268 18,343JACKSON NATL GRP91818 18,346205.75% 0.51% 95.43%$20,374,490 19,724ASSURITY GRP486219 19,69756.25% 0.42% 95.85%$20,239,688 19,179LINCOLN NATL GRP2020 19,179142.89% 0.42% 96.27%$20,183,916 12,118STATE FARM GRP17621 12,11843.53% 0.42% 96.69%$18,987,508 16,868ZURICH INS GRP21222 16,868102.77% 0.39% 97.08%$18,691,600 16,081FEDERATED MUT GRP723 16,08116.90% 0.39% 97.47%$12,676,776 12,840REGAL REINS GRP44024 12,840452.78% 0.26% 97.74%$11,140,206 6,708JOHN HANCOCK GRP90425 6,708120.79% 0.23% 97.97%$10,813,440 14,481COUNTRY INS & FIN SERV GRP5026 14,48165.61% 0.22% 98.19%$10,307,551 230PAN AMER LIFE GRP52527 4,51791.59% 0.21% 98.41%$8,555,752 5,890TRUSTMARK MUT HOLDING CO GRP27628 5,89011.27% 0.18% 98.58%$8,516,787 30,370CVS CAREMARK GRP466729 30,270159.23% 0.18% 98.76%$5,734,876 4,038CIGNA HLTH GRP90130 4,027132.15% 0.12% 98.88%$4,381,995 0GREAT WEST GRP76931 0267.51% 0.09% 98.97%$4,135,202 4,001IOWA FARM BUREAU GRP51332 4,00150.26% 0.09% 99.06%$3,873,764 3,815AUTO OWNERS GRP28033 3,8156.17% 0.08% 99.14%$3,711,394 3,425AMERICAN NATL FIN GRP40834 3,41649.95% 0.08% 99.21%

© 2017 National Association of Insurance Commissioners 99

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Disability Income - Long-Term

$3,523,532 5,093CNO FINANCIAL GRP23335 5,566162.37% 0.07% 99.29%$3,404,630 3,202UNITED SERV AUTOMOBILE ASSN GRP20036 3,2027.30% 0.07% 99.36%$3,202,117 717FIDELITY SECURITY GRP45137 71758.05% 0.07% 99.43%$3,110,900 6,405SOUTHERN FARM BUREAU LIFE INS CO6889638 6,40574.20% 0.06% 99.49%$2,614,313 2,748CINCINNATI FIN GRP24439 2,74822.36% 0.05% 99.54%$2,478,730 6,432CONTINENTAL GEN INS CO7140440 5,70050.83% 0.05% 99.60%$2,320,372 4,109ATHENE GRP473441 4,109155.88% 0.05% 99.64%$2,079,311 3,677KNIGHTS OF COLUMBUS5803342 3,71752.58% 0.04% 99.69%$1,547,869 1,992ONEAMERICA FIN PARTNERS GRP61943 1,99238.87% 0.03% 99.72%$1,316,212 0HARTFORD FIRE & CAS GRP9144 020.22% 0.03% 99.75%$1,278,958 1,846SECURITY MUT LIFE INS CO OF NY6877245 1,846189.74% 0.03% 99.77%$1,247,464 3,112PRUDENTIAL OF AMER GRP30446 3,112144.60% 0.03% 99.80%

$788,722 1,974NATIONAL GUARDIAN LIFE INS GRP121147 1,974102.59% 0.02% 99.82%$713,336 594ALLSTATE INS GRP848 59464.93% 0.01% 99.83%$636,539 41TOKIO MARINE HOLDINGS INC GRP309849 4119.83% 0.01% 99.84%$607,347 751NATIONWIDE CORP GRP14050 75114.85% 0.01% 99.86%$501,870 1,388AEGON US HOLDING GRP46851 1,388130.18% 0.01% 99.87%$461,247 652SUMITOMO LIFE INS GRP485552 652(65.35)% 0.01% 99.88%$455,532 458SWISS RE GRP18153 45881.94% 0.01% 99.89%$433,318 1,280WOODMEN WORLD LIFE INS SOC5732054 1,28094.94% 0.01% 99.89%$335,649 615VOYA FINANCIAL GRP483255 614(118.37)% 0.01% 100.00%$330,877 503AMERICAN ENTERPRISE MUT GRP352756 50335.34% 0.01% 100.00%$322,312 840WEST SOUTHERN GRP83657 840234.28% 0.01% 100.00%$305,373 351GOLDMAN SACHS GRP389158 351426.42% 0.01% 100.00%$288,878 581NEW ERA LIFE GRP52059 580(2.48)% 0.01% 100.00%$257,979 316JEFFERSON NATIONAL GRP483660 323364.79% 0.01% 100.00%$250,121 462PEKIN INS GRP15361 46264.21% 0.01% 100.00%$247,809 1,086WILTON RE GRP421362 1,086627.48% 0.01% 100.00%$223,246 443UNIFIED LIFE INS CO1112163 443(91.29)% 0.00% 100.00%$207,502 323HORACE MANN GRP30064 323(77.41)% 0.00% 100.00%$197,189 608ERIE INS GRP21365 60899.98% 0.00% 100.00%$166,350 176GENEVE HOLDINGS INC GRP45066 17678.52% 0.00% 100.00%$160,909 0CHUBB LTD GRP62667 0348.88% 0.00% 100.00%$160,312 419NATIONAL MUT BENEFIT5607368 419(70.46)% 0.00% 100.00%

© 2017 National Association of Insurance Commissioners 100

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Disability Income - Long-Term

$135,298 438ASSURANT INC GRP1969 438(74.00)% 0.00% 100.00%$130,342 427PRIMERICA GRP475070 427662.36% 0.00% 100.00%$119,123 166UNITEDHEALTH GRP70771 1660.56% 0.00% 100.00%$104,326 127LIBERTY MUT GRP11172 12719.81% 0.00% 100.00%$102,992 381FEDERAL LIFE INS CO6322373 381(8.61)% 0.00% 100.00%$101,595 156KANSAS CITY LIFE INS GRP58874 1566.66% 0.00% 100.00%

$98,104 198SHELTER INS GRP12375 198434.17% 0.00% 100.00%$95,207 950FIDELITY LIFE ASSN A LEGAL RESERVE L6329076 037.12% 0.00% 100.00%$86,841 311GRANGE MUT CAS GRP26777 311116.51% 0.00% 100.00%$83,546 313AMERICAN INTL GRP1278 313721.51% 0.00% 100.00%$72,548 300CATHOLIC FINANCIAL LIFE5603079 30019.41% 0.00% 100.00%$58,882 156MULTINATIONAL GRP480480 15632.75% 0.00% 100.00%$52,199 285GENWORTH FIN GRP401181 285(514.88)% 0.00% 100.00%$51,411 42GPM LIFE GRP471282 426.66% 0.00% 100.00%$50,065 61UNIVERSAL AMER FIN CORP GRP95383 61111.14% 0.00% 100.00%$37,509 326INDEPENDENT ORDER OF FORESTERS US BR5806884 32696.40% 0.00% 100.00%$22,908 9INTER AMER GRP86385 9281.86% 0.00% 100.00%$21,347 42SONS OF NORWAY5714286 42160.08% 0.00% 100.00%$20,252 40GENERAL ELECTRIC GRP35087 4059.70% 0.00% 100.00%$18,709 65AMERCO CORP GRP57488 65108.97% 0.00% 100.00%$15,866 39MISSOURI FARM BUREAU GRP51489 3913.58% 0.00% 100.00%$14,980 43EMC NATL LIFE CO6292890 43(49.15)% 0.00% 100.00%$12,981 65MAXIMUM CORP GRP52691 6463.50% 0.00% 100.00%$10,537 51FINANCIAL HOLDINGS GRP44992 51223.38% 0.00% 100.00%

$9,856 29SAMMONS ENTERPRISES GRP43193 29(635.26)% 0.00% 100.00%$8,716 98BCBS OF MI GRP57294 9870.47% 0.00% 100.00%$8,626 46GUARANTEE TRUST GRP68795 46127.06% 0.00% 100.00%$8,556 25PHYSICIANS MUT GRP36796 25166.65% 0.00% 100.00%$8,337 13HEALTHMARKETS GRP26497 59.32% 0.00% 100.00%$8,317 31AMERICAN FINANCIAL GRP8498 1635.63% 0.00% 100.00%$7,720 0RESERVOIR CAPITAL GRP476499 025.91% 0.00% 100.00%$6,512 32INVESTORS HERITAGE LIFE INS CO64904100 3236.86% 0.00% 100.00%$4,836 25SENTRY INS GRP169101 25225.95% 0.00% 100.00%$4,664 48KEMPER CORP GRP215102 45605.08% 0.00% 100.00%

© 2017 National Association of Insurance Commissioners 101

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Disability Income - Long-Term

$4,503 48TORCHMARK CORP GRP290103 48729.18% 0.00% 100.00%$4,379 19BANNER LIFE GRP872104 19245.15% 0.00% 100.00%$4,331 10CENTRAL STATES GRP690105 1060.31% 0.00% 100.00%$3,451 15OHIO MUT GRP963106 15(64.33)% 0.00% 100.00%$2,942 9ANTHEM INC GRP671107 9102.41% 0.00% 100.00%$2,744 8ADVANTAGE CAPITAL GRP4824108 81.64% 0.00% 100.00%$2,564 9HOMESHIELD CAPITAL GRP2858109 9(47.46)% 0.00% 100.00%$2,229 10BENEFICIAL LIFE GRP615110 10316.42% 0.00% 100.00%$1,957 14OLD SURETY LIFE INS CO67326111 14570.62% 0.00% 100.00%$1,361 5GLEANER LIFE INS SOCIETY56154112 5287.51% 0.00% 100.00%$1,026 11CNA INS GRP218113 112,908.87% 0.00% 100.00%

$636 4COLUMBIAN LIFE GRP535114 44,752.99% 0.00% 100.00%$505 25SUN LIFE ASSUR CO OF CN GRP549115 255,806.34% 0.00% 100.00%$190 1SECURITY NATL GRP454116 10.00% 0.00% 100.00%$141 1UNITED HERITAGE MUT GRP2878117 1(76.60)% 0.00% 100.00%$135 1SOBC HOLDING LTD GRP4883118 1(1,442.22)% 0.00% 100.00%

$4,814,134,286 2,996,021Grand Total 3,053,83081.92% 100.00%

© 2017 National Association of Insurance Commissioners 102

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Long-Term Care

$2,476,696,527 1,094,121GENWORTH FIN GRP40111 999,087147.44% 24.12% 24.12%$1,372,848,384 587,647JOHN HANCOCK GRP9042 587,647161.06% 13.37% 37.50%

$663,999,471 294,349METROPOLITAN GRP2413 86228.56% 6.47% 43.96%$594,279,914 243,906NORTHWESTERN MUT GRP8604 243,906106.36% 5.79% 49.75%$470,683,516 263,110AEGON US HOLDING GRP4685 259,587193.80% 4.58% 54.34%$456,511,034 250,480CNO FINANCIAL GRP2336 205,247163.08% 4.45% 58.78%$342,708,953 163,792MUTUAL OF OMAHA GRP2617 163,79390.48% 3.34% 62.12%$319,378,202 167,524CNA INS GRP2188 167,524325.45% 3.11% 65.23%$289,379,358 149,754UNUM GRP5659 149,754230.14% 2.82% 68.05%$274,782,850 139,225NEW YORK LIFE GRP82610 139,225112.78% 2.68% 70.73%$233,878,529 6,083MOLINA HEALTHCARE INC GRP153111 6,08388.44% 2.28% 73.01%$220,690,609 126,277STATE FARM GRP17612 126,277151.64% 2.15% 75.16%$218,892,785 88,517MASS MUT LIFE INS GRP43513 70,287105.22% 2.13% 77.29%$204,382,033 114,049AMERIPRISE FIN GRP414 114,049277.16% 1.99% 79.28%$202,241,302 78,046PRUDENTIAL OF AMER GRP30415 78,046385.90% 1.97% 81.25%$202,169,704 126,483THRIVENT FINANCIAL FOR LUTHERANS GRP293816 111,070299.54% 1.97% 83.22%$196,369,461 9,501PRESBYTERIAN HLTHCARE SERV GRP48117 9,50180.73% 1.91% 85.13%$183,458,789 121,176ALLIANZ INS GRP76118 98,618325.42% 1.79% 86.92%$158,056,501 85,433ASSURANT INC GRP1919 85,433399.82% 1.54% 88.46%$122,708,567 83,182LIFETIME HLTHCARE GRP118620 83,182138.41% 1.20% 89.65%$112,318,427 63,468SENIOR HLTH INS CO OF PA7632521 57,476232.10% 1.09% 90.75%

$71,992,898 40,792CONTINENTAL GEN INS CO7140422 37,715151.77% 0.70% 91.45%$70,003,941 31,895ADVANTAGE CAPITAL GRP482423 31,895172.38% 0.68% 92.13%$63,194,892 46,681KNIGHTS OF COLUMBUS5803324 46,681118.23% 0.62% 92.74%$61,920,319 16,415GUARDIAN LIFE GRP42925 10,309114.12% 0.60% 93.35%$59,183,280 51,614RESOLUTION LIFE GRP481526 34,380284.66% 0.58% 93.92%$56,489,820 24,303EQUITABLE LIFE & CAS INS CO6295227 20,283133.45% 0.55% 94.47%$47,491,279 27,103PHYSICIANS MUT GRP36728 27,071202.62% 0.46% 94.94%$47,035,138 29,700CUNA MUT GRP30629 29,700172.51% 0.46% 95.40%$46,111,002 30,761HUMANA GRP11930 30,7611,304.27% 0.45% 95.84%$36,265,461 28,092BCBS OF MI GRP57231 28,09252.86% 0.35% 96.20%$35,735,567 22,712COUNTRY INS & FIN SERV GRP5032 20,490197.78% 0.35% 96.55%$31,683,327 15,356UNITED SECURITY ASSUR CO OF PA4212933 15,35688.86% 0.31% 96.85%$27,290,494 19,667GUARANTEE TRUST GRP68734 18,554109.65% 0.27% 97.12%

© 2017 National Association of Insurance Commissioners 103

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Long-Term Care

$25,053,056 15,529SOUTHERN FARM BUREAU LIFE INS CO6889635 15,529268.82% 0.24% 97.36%$21,201,755 10,692ONEAMERICA FIN PARTNERS GRP61936 10,692166.37% 0.21% 97.57%$20,364,277 27,040AFLAC GRP37037 24,412255.99% 0.20% 97.77%$20,025,056 7,114AMERICAN INTL GRP1238 7,044225.83% 0.20% 97.96%$19,771,531 9,935TIAA FAMILY GRP121639 9,935216.27% 0.19% 98.16%$19,524,798 15,131AMERICAN FIDELITY CORP GRP33040 12,694101.93% 0.19% 98.35%$18,258,573 11,266JACKSON NATL GRP91841 11,266326.43% 0.18% 98.52%$12,751,641 7,649GOLDMAN SACHS GRP389142 7,64958.62% 0.12% 98.65%$10,952,944 4,758GGC GRP473643 3,642160.02% 0.11% 98.76%

$8,385,070 4,407AUTO OWNERS GRP28044 4,40788.44% 0.08% 98.84%$7,997,723 5,495AMERICAN ENTERPRISE MUT GRP352745 5,460314.35% 0.08% 98.92%$7,181,106 3,562ALLSTATE INS GRP846 3,555279.26% 0.07% 98.99%$6,901,671 4,921TORCHMARK CORP GRP29047 4,317125.50% 0.07% 99.05%$6,451,832 4,054CVS CAREMARK GRP466748 3,939137.77% 0.06% 99.12%$6,027,990 1,763AMFIRST HOLDINGS GRP471949 1,684141.03% 0.06% 99.17%$5,556,820 4,274ZURICH INS GRP21250 4,208384.28% 0.05% 99.23%$5,244,583 3,241BCBS OF MN GRP46151 3,24186.45% 0.05% 99.28%$4,563,415 2,960AMERICAN FAMILY INS GRP47352 2,960230.51% 0.04% 99.32%$4,537,076 1,845ANTHEM INC GRP67153 1,845203.51% 0.04% 99.37%$4,145,919 2,845BCBS OF KS GRP43054 2,845186.99% 0.04% 99.41%$3,758,860 1,466UNIVERSAL AMER FIN CORP GRP95355 1,405205.97% 0.04% 99.44%$3,684,497 1,703LINCOLN NATL GRP2056 1,703282.71% 0.04% 99.48%$3,537,175 2,223PREMERA BLUE CROSS GRP96257 2,223225.36% 0.03% 99.52%$3,533,139 2,198HIGHMARK GRP81258 2,106149.82% 0.03% 99.55%$3,135,171 1,648INDEPENDENCE HLTH GRP INC GRP93659 1,648230.36% 0.03% 99.58%$2,999,126 2,806PRINCIPAL FIN GRP33260 2,806606.99% 0.03% 99.61%$2,776,166 1,063ASSURITY GRP486261 673114.77% 0.03% 99.64%$2,685,920 1,697AMERICAN FINANCIAL GRP8462 1,676141.72% 0.03% 99.66%$2,522,500 1,204CINCINNATI FIN GRP24463 1,20471.58% 0.02% 99.69%$2,496,100 1,812WOODMEN WORLD LIFE INS SOC5732064 1,812617.37% 0.02% 99.71%$2,461,857 1,038MINNESOTA MUT GRP86965 63598.41% 0.02% 99.74%$2,448,086 1,391HCSC GRP91766 1,264350.20% 0.02% 99.76%$2,400,000 836CENTENE CORP GRP129567 83678.25% 0.02% 99.78%$1,942,249 1,779BCBS OF NE GRP485868 1,779372.86% 0.02% 99.80%

© 2017 National Association of Insurance Commissioners 104

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Long-Term Care

$1,851,255 1,182AMERICAN NATL FIN GRP40869 990167.62% 0.02% 99.82%$1,609,661 1,383GUARANTY INCOME LIFE INS CO6423870 1,38354.78% 0.02% 99.84%$1,438,492 0NORIDIAN MUT INS CO5589171 00.00% 0.01% 99.85%$1,359,553 2,088KEMPER CORP GRP21572 2,04722.55% 0.01% 99.86%$1,336,259 1,960NATIONWIDE CORP GRP14073 1,96039.05% 0.01% 99.88%$1,256,401 0CHUBB LTD GRP62674 0119.38% 0.01% 99.89%$1,237,039 1,137CENTRAL STATES GRP69075 1,137364.57% 0.01% 99.90%$1,191,093 882CATHOLIC ORDER OF FORESTERS5748776 882710.20% 0.01% 100.00%$1,105,319 663BCBS OF KC GRP53777 663177.43% 0.01% 100.00%

$820,757 680CAMBIA HEALTH SOLUTIONS INC120778 680235.31% 0.01% 100.00%$718,902 557AETNA GRP179 557245.28% 0.01% 100.00%$629,880 547BCBS OF SC GRP66180 547101.51% 0.01% 100.00%$609,712 411ATHENE GRP473481 411347.40% 0.01% 100.00%$560,687 0BERKSHIRE HATHAWAY GRP3182 0194.28% 0.01% 100.00%$539,246 558GENEVE HOLDINGS INC GRP45083 55870.63% 0.01% 100.00%$529,714 253AMERCO CORP GRP57484 253133.83% 0.01% 100.00%$523,328 201BCBS OF AL GRP57085 201117.32% 0.01% 100.00%$491,107 469LOUISIANA HLTH SERV GRP43886 469140.52% 0.00% 100.00%$379,799 220MANHATTAN LIFE GRP111787 217141.57% 0.00% 100.00%$339,400 324NATIONAL INS CO OF WI INS3015588 324165.77% 0.00% 100.00%$318,744 473ARKANSAS BCBS GRP87689 473154.72% 0.00% 100.00%$273,420 351UNIVERSAL FIDELITY LIFE INS CO7012290 351832.84% 0.00% 100.00%$243,520 168UNION LABOR GRP78191 168193.79% 0.00% 100.00%$192,318 127CIGNA HLTH GRP90192 127253.89% 0.00% 100.00%$114,165 104STATE MUT INS CO6913293 104705.94% 0.00% 100.00%

$95,606 101BALTIMORE LIFE INS CO6121294 101347.34% 0.00% 100.00%$93,086 114VOYA FINANCIAL GRP483295 114(540.24)% 0.00% 100.00%$75,734 51HEALTHMARKETS GRP26496 5134.00% 0.00% 100.00%$72,291 94PENN MUT GRP85097 78366.72% 0.00% 100.00%$65,557 47KANSAS CITY LIFE INS GRP58898 47467.75% 0.00% 100.00%$50,352 75PRIMERICA GRP475099 7572.89% 0.00% 100.00%$39,291 0CAREFIRST INC GRP380100 0496.40% 0.00% 100.00%$38,631 40PEKIN INS GRP153101 4035.32% 0.00% 100.00%$38,318 6NATIONAL GUARDIAN LIFE INS GRP1211102 60.00% 0.00% 100.00%

© 2017 National Association of Insurance Commissioners 105

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Long-Term Care

$37,612 29NEW ERA LIFE GRP520103 29628.58% 0.00% 100.00%$33,957 18TRUSTMARK MUT HOLDING CO GRP276104 18862.65% 0.00% 100.00%$33,435 44NESTLE SA GRP4483105 44(756.74)% 0.00% 100.00%$12,215 12FRANKENMUTH GRP1309106 12525.74% 0.00% 100.00%

$8,093 12WILTON RE GRP4213107 121,275.73% 0.00% 100.00%$7,991 6SAGICOR LIFE INS CO60445108 6(2.48)% 0.00% 100.00%$5,500 3ATLANTIC AMER GRP587109 3(6.45)% 0.00% 100.00%$3,702 1PROTECTIVE LIFE INS GRP458110 1218.37% 0.00% 100.00%$1,204 8FORTRESS GRP4716111 827,171.51% 0.00% 100.00%$1,021 2ORDER OF UNITED COMMERCIAL TRAVELERS56383112 2(25.07)% 0.00% 100.00%

$660 8BLUE SHIELD OF CA GRP2798113 88,585.91% 0.00% 100.00%$420 1CINCINNATI EQUITABLE CO GRP838114 1(232.38)% 0.00% 100.00%

$22 0DELAWARE LIFE HOLDING GRP4794115 0100.00% 0.00% 100.00%

$10,266,494,485 4,827,985Grand Total 4,285,433182.15% 100.00%

© 2017 National Association of Insurance Commissioners 106

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Medicare Supplement (Medigap)

$4,172,529,625 1,777,702UNITEDHEALTH GRP7071 1,777,70179.73% 19.59% 19.59%$2,513,969,776 1,225,115MUTUAL OF OMAHA GRP2612 1,225,11474.32% 11.80% 31.40%$1,481,634,921 628,675HCSC GRP9173 628,67576.73% 6.96% 38.35%$1,378,979,461 553,478ANTHEM INC GRP6714 553,47273.48% 6.47% 44.83%$1,107,744,817 596,215AETNA GRP15 596,04578.19% 5.20% 50.03%

$769,840,249 322,729CNO FINANCIAL GRP2336 321,08571.29% 3.61% 53.64%$489,628,073 255,476CIGNA HLTH GRP9017 255,43377.23% 2.30% 55.94%$432,233,803 182,991GUIDEWELL MUT HOLDING GRP5368 182,99085.07% 2.03% 57.97%$431,652,751 191,361WELLMARK INC GRP7709 191,36180.68% 2.03% 60.00%$427,936,796 218,777HUMANA GRP11910 218,77775.03% 2.01% 62.01%$409,752,650 188,691BCBS OF MA GRP363711 188,69191.73% 1.92% 63.93%$375,586,323 160,025BCBS OF NC GRP75812 160,02571.99% 1.76% 65.70%$317,891,915 200,421BCBS OF MI GRP57213 185,251149.41% 1.49% 67.19%$285,222,289 132,861UNITED SERV AUTOMOBILE ASSN GRP20014 132,86177.01% 1.34% 68.53%$284,759,640 117,410HIGHMARK GRP81215 117,41086.59% 1.34% 69.87%$278,385,369 93,049BCBS OF NJ GRP120216 93,04980.98% 1.31% 71.17%$275,480,439 134,075TORCHMARK CORP GRP29017 134,07564.91% 1.29% 72.47%$270,969,878 108,578STATE FARM GRP17618 108,53674.52% 1.27% 73.74%$259,824,944 134,669AMERICAN ENTERPRISE MUT GRP352719 133,37372.52% 1.22% 74.96%$255,321,858 127,349NEW ERA LIFE GRP52020 127,31280.51% 1.20% 76.16%$241,506,572 103,979BCBS OF KS GRP43021 103,97981.50% 1.13% 77.29%$235,931,205 123,822BCBS OF AL GRP57022 123,82285.14% 1.11% 78.40%$208,433,418 76,363BCBS OF MN GRP46123 76,36378.63% 0.98% 79.38%$182,228,009 92,595PHYSICIANS MUT GRP36724 92,31074.84% 0.86% 80.23%$175,508,373 65,551CAREFIRST INC GRP38025 65,54975.74% 0.82% 81.06%$166,877,909 80,847AEGON US HOLDING GRP46826 80,58675.91% 0.78% 81.84%$165,291,712 64,265CAMBIA HEALTH SOLUTIONS INC120727 64,26569.97% 0.78% 82.62%$154,146,397 118,294ARKANSAS BCBS GRP87628 118,294129.23% 0.72% 83.34%$146,872,374 64,544BCBS OF SC GRP66129 64,54465.99% 0.69% 84.03%$140,320,622 93,620MANHATTAN LIFE GRP111730 91,14778.81% 0.66% 84.69%$139,677,222 59,222BCBS OF NE GRP485831 59,22275.05% 0.66% 85.35%$133,783,658 60,356TENNESSEE RURAL HLTH GRP467732 60,33471.60% 0.63% 85.97%$132,187,725 66,647EQUITABLE LIFE & CAS INS CO6295233 66,64781.70% 0.62% 86.59%$127,629,296 43,899WISCONSIN PHYSICIANS SERV INS GRP6834 43,85163.77% 0.60% 87.19%

© 2017 National Association of Insurance Commissioners 107

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Medicare Supplement (Medigap)

$126,764,243 49,231BCBS OF TN GRP349835 49,23169.01% 0.60% 87.79%$107,559,265 43,967LOUISIANA HLTH SERV GRP43836 43,96779.32% 0.51% 88.29%$107,296,785 36,703NESTLE SA GRP448337 36,70374.83% 0.50% 88.80%$105,856,721 47,396HARVARD PILGRIM HLTH CARE GRP59538 47,39675.65% 0.50% 89.29%

$97,309,646 39,174BCBS OF AZ INC5358939 39,17468.31% 0.46% 89.75%$96,924,170 39,224BERKSHIRE HATHAWAY GRP3140 39,47075.15% 0.46% 90.21%$95,369,860 34,927AMERCO CORP GRP57441 34,92781.30% 0.45% 90.65%$89,400,190 53,678ATLANTIC AMER GRP58742 53,67869.33% 0.42% 91.07%$85,857,018 34,793NORIDIAN MUT INS CO5589143 34,79378.12% 0.40% 91.48%$78,609,752 23,536CONTINENTAL GEN INS CO7140444 23,53669.42% 0.37% 91.85%$78,066,380 41,369MEDICAL MUT OF OH GRP73045 41,36976.85% 0.37% 92.21%$77,708,793 29,179CENTENE CORP GRP129546 31,37866.27% 0.36% 92.58%$77,279,279 30,696PREMERA BLUE CROSS GRP96247 30,69670.30% 0.36% 92.94%$69,772,949 32,862THRIVENT FINANCIAL FOR LUTHERANS GRP293848 32,86278.67% 0.33% 93.27%$64,494,879 22,794BCBS OF KC GRP53749 22,79470.81% 0.30% 93.57%$64,397,513 0CHUBB LTD GRP62650 078.74% 0.30% 93.87%$58,961,419 30,692AMERICAN NATL FIN GRP40851 30,69273.35% 0.28% 94.15%$58,763,573 41,208CAPITAL BLUE CROSS GRP123052 41,17679.71% 0.28% 94.43%$58,584,850 27,779GOLDMAN SACHS GRP389153 27,77975.99% 0.28% 94.70%$55,906,590 21,718COUNTRY INS & FIN SERV GRP5054 21,71771.22% 0.26% 94.96%$54,577,183 35,609INDEPENDENCE HLTH GRP INC GRP93655 35,60978.38% 0.26% 95.22%$50,725,686 26,094OLD SURETY LIFE INS CO6732656 26,09468.69% 0.24% 95.46%$50,466,551 17,097GENWORTH FIN GRP401157 17,09772.51% 0.24% 95.70%$49,171,461 13,495ORDER OF UNITED COMMERCIAL TRAVELERS5638358 13,49566.13% 0.23% 95.93%$47,464,558 40,160INDIVIDUAL ASSUR CO LIFE HLTH & ACC8177959 40,16076.51% 0.22% 96.15%$46,045,024 17,105AFLAC GRP37060 17,10576.80% 0.22% 96.37%$41,126,012 17,618BCBS OF RI5347361 17,61880.73% 0.19% 96.56%$41,009,612 18,655KEMPER CORP GRP21562 18,47671.42% 0.19% 96.75%$40,533,558 18,944EVERENCE GRP461663 16,83568.59% 0.19% 96.94%$37,198,911 16,130ADVANTAGE CAPITAL GRP482464 16,13075.87% 0.17% 97.12%$34,070,472 1,496DEAN HLTH GRP129465 1,496107.10% 0.16% 97.28%$33,430,167 12,120MISSISSIPPI INS GRP112666 12,12086.19% 0.16% 97.43%$29,475,704 13,390PEKIN INS GRP15367 13,39070.15% 0.14% 97.57%$28,080,685 7,274ROYAL NEIGHBORS OF AMER5765768 7,27467.94% 0.13% 97.70%

© 2017 National Association of Insurance Commissioners 108

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Medicare Supplement (Medigap)

$27,405,942 7,932AMERICAN FAMILY INS GRP47369 7,93263.63% 0.13% 97.83%$27,208,802 6,742GGC GRP473670 6,57461.55% 0.13% 97.96%$25,797,883 13,256SPECTRUM HLTH GRP338371 13,25673.28% 0.12% 98.08%$23,381,183 14,221TRIPLE S GRP480272 12,83077.33% 0.11% 98.19%$21,358,101 7,715LIFETIME HLTHCARE GRP118673 7,71585.60% 0.10% 98.29%$20,879,330 9,174BCBS OF WY5376774 9,17470.36% 0.10% 98.39%$20,201,137 14,061MEDICAL ASSOCIATES GRP481175 14,06188.79% 0.09% 98.48%$18,884,117 6,729BLUE CROSS OF ID GRP129076 6,72970.00% 0.09% 98.57%$18,804,381 9,194BCBS OF VT GRP474577 9,19479.28% 0.09% 98.66%$18,599,419 6,973HEARTLAND NATL LIFE INS CO6621478 6,97381.74% 0.09% 98.75%$17,570,731 5,314STATE MUT INS CO6913279 5,31463.26% 0.08% 98.83%$17,160,182 5,898GUARANTEE TRUST GRP68780 5,75967.83% 0.08% 98.91%$16,604,289 9,272AVERA HLTH PLANS INC9583981 9,27268.96% 0.08% 98.99%$15,135,372 8,286TUFTS GRP474282 8,28689.09% 0.07% 99.06%$13,405,405 7,405HEALTH PLAN GRP129783 7,40578.35% 0.06% 99.12%$11,703,781 3,316UNIVERSAL AMER FIN CORP GRP95384 3,31565.84% 0.05% 99.18%$10,234,484 2,877CENTRAL STATES GRP69085 2,87565.04% 0.05% 99.23%$10,078,773 2,720STERLING INVESTORS LIFE INS CO8918486 2,72077.38% 0.05% 99.27%$9,478,795 2,607CDPHP INC GRP470887 2,607106.16% 0.04% 99.32%$8,077,455 3,592RESERVOIR CAPITAL GRP476488 3,59269.94% 0.04% 99.36%$7,725,695 3,226UNIVERSAL FIDELITY LIFE INS CO7012289 3,22673.38% 0.04% 99.39%$7,685,256 3,869FIRST COMM HLTH PLAN INC4705190 3,86972.80% 0.04% 99.43%$7,384,414 2,984FALLON GRP474191 2,98492.04% 0.03% 99.46%$7,340,411 2,143NATIONWIDE CORP GRP14092 2,06365.05% 0.03% 99.50%$6,812,097 2,029HEALTH NOW NY INC5520493 98696.60% 0.03% 99.53%$5,875,784 1,824EMBLEM HLTH GRP112794 1,82471.87% 0.03% 99.56%$5,735,817 1,791CARLE HOLDING CO GRP119295 2,10370.30% 0.03% 99.58%$5,657,446 1,216CVS CAREMARK GRP466796 1,21463.09% 0.03% 99.61%$5,633,428 2,255SECURITY HLTH PLAN OF WI INC9688197 2,25575.02% 0.03% 99.64%$5,589,092 3,194UNIVERSITY HLTH CARE & GUNDERSEN LUT487098 3,19492.08% 0.03% 99.66%$5,450,607 15,230GCU5669399 15,23091.06% 0.03% 99.69%$5,409,500 1,362ECG GRP4826100 1,36270.03% 0.03% 99.71%$5,084,460 1,466AMERICAN FINANCIAL GRP84101 1,46671.03% 0.02% 99.74%$4,609,520 1,985HEALTH TRADITION HLTH PLAN96628102 1,98579.70% 0.02% 99.76%

© 2017 National Association of Insurance Commissioners 109

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Medicare Supplement (Medigap)

$4,597,282 1,079LINCOLN HERITAGE LIFE INS CO65927103 1,07961.33% 0.02% 99.78%$4,402,420 2,835CATHOLIC HLTH INITIATIVES GRP4807104 2,83587.02% 0.02% 99.80%$3,975,335 1,478GEISINGER INS GRP1143105 1,47887.28% 0.02% 99.82%$3,974,657 1,339UNIFIED LIFE INS CO11121106 1,33955.05% 0.02% 99.84%$3,103,559 1,394PHYSICIANS PLUS INS CORP95341107 1,39467.03% 0.01% 99.85%$3,018,712 1,154VANGUARD HLTH VENTURES GRP1212108 1,15476.88% 0.01% 99.87%$2,550,722 2,068WESTERN CATHOLIC UNION57711109 2,06877.80% 0.01% 99.88%$2,449,352 966HENRY FORD HLTH SYSTEM GRP1311110 96679.00% 0.01% 99.89%$2,186,343 741GROUP HLTH COOP GRP1185111 74171.39% 0.01% 100.00%$2,071,309 567NEW YORK LIFE GRP826112 56672.21% 0.01% 100.00%$1,759,343 891NEW W HLTH SERV95829113 89172.69% 0.01% 100.00%$1,665,531 1,051STANDARD LIFE & CAS INS CO71706114 1,05179.53% 0.01% 100.00%$1,381,002 453WILTON RE GRP4213115 45276.79% 0.01% 100.00%$1,207,600 323JEFFERSON NATIONAL GRP4836116 32381.21% 0.01% 100.00%$1,189,491 368AMERICAN INTL GRP12117 35059.24% 0.01% 100.00%$1,031,550 449COMMUNITYCARE GRP3487118 449124.11% 0.00% 100.00%

$876,875 919LOYAL CHRISTIAN BENEFIT ASSN56758119 91969.26% 0.00% 100.00%$761,671 394AULTMAN HLTH FOUNDATION GRP4805120 39460.84% 0.00% 100.00%$691,669 1,348FINANCIAL HOLDINGS GRP449121 1,34860.66% 0.00% 100.00%$683,412 251UTMB HLTH PLANS INC95764122 25138.00% 0.00% 100.00%$656,416 172AUTO OWNERS GRP280123 17246.73% 0.00% 100.00%$584,966 195ASSURANT INC GRP19124 19588.31% 0.00% 100.00%$584,450 257SHELTER INS GRP123125 257180.31% 0.00% 100.00%

$21,297,159,713 9,615,981Grand Total 9,592,00378.26% 100.00%

© 2017 National Association of Insurance Commissioners 110

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Dental

$779,960,508 2,931,282MCNA GRP47301 2,931,28280.51% 27.77% 27.77%$178,899,157 571,728AFLAC GRP3702 336,15848.12% 6.37% 34.14%$171,638,091 712,431HUMANA GRP1193 535,53748.54% 6.11% 40.25%$148,698,322 409,314RENAISSANCE HLTH SERV CORP GRP4774 305,24873.34% 5.29% 45.54%$120,304,236 364,129CIGNA HLTH GRP9015 234,64561.09% 4.28% 49.83%$103,082,429 242,359HCSC GRP9176 146,03356.03% 3.67% 53.50%$100,192,997 229,457ANTHEM INC GRP6717 162,24148.50% 3.57% 57.06%

$76,742,602 226,227UNITEDHEALTH GRP7078 153,65750.23% 2.73% 59.80%$62,220,842 347,520DENTCARE DELIVERY SYSTEMS INC471129 217,10084.11% 2.22% 62.01%$59,980,404 268,313BLUE CROSS OF ID GRP129010 285,84990.71% 2.14% 64.15%$49,156,469 157,745HEALTHMARKETS GRP26411 109,53040.01% 1.75% 65.90%$45,782,230 129,136GUIDEWELL MUT HOLDING GRP53612 86,65565.04% 1.63% 67.53%$43,687,454 208,300DENTEGRA GRP247913 151,69460.07% 1.56% 69.08%$38,767,517 133,098BCBS OF AL GRP57014 89,08067.13% 1.38% 70.46%$37,165,684 131,264ASSURANT INC GRP1915 96,58250.72% 1.32% 71.79%$36,013,718 73,488BCBS OF NC GRP75816 51,93272.67% 1.28% 73.07%$35,473,578 81,707AMERITAS MUT HOLDING GRP94317 81,70759.75% 1.26% 74.33%$35,289,966 93,250PHYSICIANS MUT GRP36718 78,42454.53% 1.26% 75.59%$34,265,579 160,241NEVADA DENTAL BENEFITS LTD1381319 160,24178.00% 1.22% 76.81%$32,540,726 56,562AMERICAN ENTERPRISE MUT GRP352720 56,56259.25% 1.16% 77.97%$27,181,328 73,498CORVESTA GRP472921 50,57373.11% 0.97% 78.93%$26,084,012 70,005BCBS OF KS GRP43022 55,58481.80% 0.93% 79.86%$25,809,076 71,386DELTA DENTAL OF MN5503423 079.35% 0.92% 80.78%$25,101,224 72,178DELTA DENTAL OF WA4734124 35,20969.02% 0.89% 81.67%$25,066,244 0CITIZENS SECURITY LIFE INS CO6192125 059.12% 0.89% 82.57%$24,651,212 3,547BCBS OF MI GRP57226 2,13873.33% 0.88% 83.44%$24,293,364 42,806CAREFIRST INC GRP38027 29,45285.13% 0.86% 84.31%$23,528,008 78,291UNUM GRP56528 56,30552.40% 0.84% 85.15%$22,942,669 38,225CAPITAL BLUE CROSS GRP123029 27,61661.86% 0.82% 85.96%$21,664,143 50,100COLORADO DENTAL SERV INC5587530 31,52169.93% 0.77% 86.73%$21,168,711 38,659NORTHEAST DELTA DENTAL GRP476331 25,57875.97% 0.75% 87.49%$17,330,058 0ARKANSAS BCBS GRP87632 071.58% 0.62% 88.11%$16,511,111 45,919OREGON DENTAL GRP131333 32,779102.86% 0.59% 88.69%$16,426,854 48,024DELTA DENTAL OF WI GRP384934 28,55767.51% 0.58% 89.28%

© 2017 National Association of Insurance Commissioners 111

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Dental

$15,730,166 1,196CENTENE CORP GRP129535 1,196(11.76)% 0.56% 89.84%$14,781,122 81,022GUARDIAN LIFE GRP42936 56,15363.03% 0.53% 90.36%$13,351,299 29,464BCBS OF RI5347337 23,50571.01% 0.48% 90.84%$12,934,260 35,404DELTA DENTAL PLAN OF AZ GRP365838 067.96% 0.46% 91.30%$12,506,474 43,183BCBS OF TN GRP349839 29,72770.98% 0.45% 91.75%$12,473,133 4,878FIDELITY SECURITY GRP45140 4,87872.32% 0.44% 92.19%$12,115,843 25,069BLUE SHIELD OF CA GRP279841 14,32548.41% 0.43% 92.62%$11,974,415 31,486DELTA DENTAL PLAN OF MO GRP368042 21,11467.36% 0.43% 93.05%$11,426,547 34,699DELTA DENTAL OF KS GRP463843 22,16793.59% 0.41% 93.45%

$9,683,859 26,851DELTA DENTAL PLAN OF AR INC4715544 18,38872.66% 0.34% 93.80%$9,511,247 0HAWAII MEDICAL SERV ASSN4994845 068.11% 0.34% 94.14%$9,036,536 50,905HEALTHPLEX GRP8546 15,55669.83% 0.32% 94.46%$9,017,158 34,010BEST LIFE & HLTH INS CO9063847 27,04152.63% 0.32% 94.78%$8,682,199 20,306PREMERA BLUE CROSS GRP96248 8,53554.17% 0.31% 95.09%$7,694,841 16,331AEGON US HOLDING GRP46849 13,95261.72% 0.27% 95.36%$7,570,165 7,572L S S GRP474450 7,57272.03% 0.27% 95.63%$7,127,091 417,063CHUBB LTD GRP62651 197,27165.42% 0.25% 95.89%$6,865,959 19,337BCBS OF KC GRP53752 15,54066.86% 0.24% 96.13%$6,719,615 13,407KEMPER CORP GRP21553 10,07358.48% 0.24% 96.37%$6,606,457 25,109MANHATTAN LIFE GRP111754 23,60129.30% 0.24% 96.61%$6,574,746 43,379UPMC HLTH SYSTEM GRP132455 43,37982.31% 0.23% 96.84%$6,496,691 16,885DELTA DENTAL OF RI GRP157156 1,69178.33% 0.23% 97.07%$6,197,115 39,923MEDICAL MUT OF OH GRP73057 20,15354.68% 0.22% 97.29%$5,019,642 28,009DENTAL HLTH SERV4749058 20,15954.33% 0.18% 97.47%$4,989,991 15,273CAMBIA HEALTH SOLUTIONS INC120759 10,99473.28% 0.18% 97.65%$4,918,567 17,660DENTAL CARE PLUS INC9626560 12,49045.78% 0.18% 97.82%$4,918,180 11,236DELTA DENTAL PLAN OF SD5409761 6,69483.54% 0.18% 98.00%$4,771,861 15,054DENTAQUEST GRP451262 9,41834.44% 0.17% 98.17%$4,388,750 2,870SPECTRUM HLTH GRP338363 2,87074.90% 0.16% 98.32%$4,383,145 15,275LOUISIANA HLTH SERV GRP43864 11,87063.24% 0.16% 98.48%$4,067,525 3,279NATIONAL GUARDIAN LIFE INS GRP121165 3,27954.71% 0.14% 98.63%$3,385,694 16,848BCBS OF SC GRP66166 9,29556.69% 0.12% 98.75%$3,113,571 10,886WESTBRIDGE CAPITAL GRP83967 6,29345.08% 0.11% 98.86%$3,000,752 10,276WELLMARK INC GRP77068 6,41875.17% 0.11% 98.96%

© 2017 National Association of Insurance Commissioners 112

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Dental

$2,564,639 2,222PRE PAID DENTAL SERV INC1320869 048.75% 0.09% 99.05%$2,509,834 0KAISER FOUNDATION GRP60170 089.54% 0.09% 99.14%$2,445,866 2,354CENTENNIAL CAS CO3456871 2,3540.00% 0.09% 99.23%$2,379,055 0INDEPENDENCE HLTH GRP INC GRP93672 042.51% 0.08% 99.32%$2,321,975 13,128EMPLOYERS DENTAL SERV5309073 8,11852.77% 0.08% 99.40%$2,042,795 3,291GUARANTY INCOME LIFE INS CO6423874 3,29169.97% 0.07% 99.47%$1,995,072 5,228DELTA DENTAL PLAN OF WY1520075 3,21578.91% 0.07% 99.54%$1,618,544 5,510BCBS OF AZ INC5358976 3,49765.55% 0.06% 99.60%$1,532,123 15,837TRIPLE S GRP480277 15,83762.62% 0.05% 99.65%$1,408,107 5,326AMERICAN FIDELITY CORP GRP33078 3,10659.93% 0.05% 99.70%$1,358,480 1,412NATIONAL DENTAL CARE INC1284479 069.35% 0.05% 99.75%$1,334,259 7,308BCBS OF NJ GRP120280 7,308158.74% 0.05% 99.80%

$875,772 2,501CVS CAREMARK GRP466781 2,17040.26% 0.03% 99.83%$847,234 4,695NEW ERA LIFE GRP52082 2,55327.92% 0.03% 99.86%$589,813 2,393SOLSTICE GRP486683 1,91249.61% 0.02% 99.88%$545,325 833OLD SURETY LIFE INS CO6732684 83378.11% 0.02% 100.00%$499,729 1,200HEALTH NOW NY INC5520485 1,01487.29% 0.02% 100.00%$496,239 1,454CONTINENTAL GEN INS CO7140486 63468.97% 0.02% 100.00%$414,516 760CROY HALL MGMT GRP133987 58650.79% 0.01% 100.00%$249,537 683GOLDEN DENTAL PLANS INC1111388 49352.64% 0.01% 100.00%$248,238 798GGC GRP473689 70041.68% 0.01% 100.00%$191,946 801MUTUAL OF OMAHA GRP26190 65978.44% 0.01% 100.00%$172,192 206SENIORDENT GRP482291 046.60% 0.01% 100.00%$163,557 1,394DENTA CHEK OF MD INC4707492 67846.70% 0.01% 100.00%$148,953 139UNIFIED LIFE INS CO1112193 13966.65% 0.01% 100.00%$128,222 329UNIVERSAL AMER FIN CORP GRP95394 27842.30% 0.00% 100.00%

$24,034 59WARRIOR INVICTUS HOLDING CO GRP472795 4444.61% 0.00% 100.00%$6,314 0GROUP HLTH COOP OF EAU CLAIRE9519296 0206.87% 0.00% 100.00%

$145 2EMBLEM HLTH GRP112797 20.00% 0.00% 100.00%$100 3PREMIER CHOICE DENTAL INC9522498 390.00% 0.00% 100.00%

$2,808,767,754 9,404,200Grand Total 7,380,49066.87% 100.00%

© 2017 National Association of Insurance Commissioners 113

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

State Childrens Health Insurance Program

$437,073,564 198,347UNITEDHEALTH GRP7071 198,34781.89% 16.51% 16.51%$435,888,571 250,279ANTHEM INC GRP6712 250,27979.12% 16.47% 32.98%$219,075,106 109,186CENTENE CORP GRP12953 122,26588.57% 8.28% 41.25%$218,293,765 126,474WELLCARE GRP11994 126,47481.01% 8.25% 49.50%$190,176,781 113,270AETNA GRP15 113,27075.10% 7.18% 56.68%$136,337,940 61,635TEXAS CHILDRENS HLTH PLAN INC953296 61,63569.24% 5.15% 61.84%$106,200,082 64,650MOLINA HEALTHCARE INC GRP15317 64,65083.91% 4.01% 65.85%

$77,615,361 36,002UPMC HLTH SYSTEM GRP13248 36,00282.10% 2.93% 68.78%$72,384,579 27,269LIFETIME HLTHCARE GRP11869 27,26979.56% 2.73% 71.51%$68,817,843 31,414COMMUNITY HLTH CHOICE INC9561510 31,41492.15% 2.60% 74.11%$61,984,399 36,938COLORADO ACCESS GRP478111 36,93884.00% 2.34% 76.46%$60,601,370 23,609HIGHMARK GRP81212 23,60977.98% 2.29% 78.74%$53,684,542 21,234INDEPENDENCE HLTH GRP INC GRP93613 21,23487.17% 2.03% 80.77%$52,380,083 27,352PARKLAND COMM HLTH PLAN INC9541414 292.81% 1.98% 82.75%$43,186,890 16,670MVP GRP119815 16,67080.43% 1.63% 84.38%$42,202,977 21,966COOK CHILDRENS HLTH PLAN9582216 21,96672.44% 1.59% 85.98%$42,024,117 53,549EMBLEM HLTH GRP112717 53,54971.54% 1.59% 87.56%$39,310,925 16,704CAPITAL BLUE CROSS GRP123018 16,70376.95% 1.49% 89.05%$34,335,671 12,613CDPHP INC GRP470819 12,61375.82% 1.30% 90.35%$29,654,120 11,574GEISINGER INS GRP114320 11,57488.83% 1.12% 91.47%$28,183,170 132,319COMMUNITY FIRST GRP273821 132,31990.12% 1.06% 92.53%$23,084,180 4,809VANGUARD HLTH VENTURES GRP121222 4,809165.81% 0.87% 93.40%$18,726,371 10,557IHC INC GRP88023 10,55789.14% 0.71% 94.11%$18,417,047 10,858ROCKY MOUNTAIN HLTH GRP118424 10,85876.72% 0.70% 94.81%$18,181,240 17,099HEALTH PARTNERS PLANS INC9506625 17,09991.72% 0.69% 95.49%$15,069,300 7,114DRISCOLL CHILDRENS HLTH PLAN9580926 7,11489.89% 0.57% 96.06%$14,670,061 7,740ASCENSION HLTH GRP485927 093.52% 0.55% 96.62%$14,431,924 10,502EL PASO FIRST HLTH PLANS INC5263528 10,50282.21% 0.55% 97.16%$12,426,845 64,064COLORADO DENTAL SERV INC5587529 64,06493.30% 0.47% 97.63%

$9,418,724 7,417COMMUNITY HLTH PLAN OF WA4704930 7,41786.98% 0.36% 97.99%$9,246,085 4,626INDEPENDENT HLTH ASSN GRP489431 2,94179.31% 0.35% 98.34%$8,827,387 3,455BCBS OF WY5376732 3,45587.50% 0.33% 98.67%$8,428,530 5,897DENVER HLTH MEDICAL PLAN INC9575033 5,89758.90% 0.32% 98.99%$7,473,080 5,040FIRSTCARE GRP354934 5,04085.00% 0.28% 99.27%

© 2017 National Association of Insurance Commissioners 114

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

State Childrens Health Insurance Program

$6,455,015 2,225NORIDIAN MUT INS CO5589135 2,22595.90% 0.24% 99.51%$4,816,768 1,545HEALTH NOW NY INC5520436 1,54579.60% 0.18% 99.70%$3,406,366 2,028COLORADO CHOICE HLTH PLAN9577437 2,02869.58% 0.13% 99.83%$3,286,436 3,356KAISER FOUNDATION GRP60138 3,370196.47% 0.12% 100.00%

$984,636 492CHRISTUS HLTH PLAN1415439 49245.42% 0.04% 100.00%$169,520 0WELLMARK INC GRP77040 0297.92% 0.01% 100.00%$164,546 99TENET HEALTHCARE CORP GRP475941 99254.74% 0.01% 100.00%

$30,879 18HENRY FORD HLTH SYSTEM GRP131142 1843.90% 0.00% 100.00%

$2,647,107,030 1,561,995Grand Total 1,538,31282.12% 100.00%

© 2017 National Association of Insurance Commissioners 115

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Medicare

$32,361,092,686 3,076,546UNITEDHEALTH GRP7071 3,076,52679.62% 21.49% 21.49%$32,247,105,429 3,019,567HUMANA GRP1192 3,019,56783.00% 21.41% 42.90%$16,341,991,997 1,611,349AETNA GRP13 1,611,34979.89% 10.85% 53.75%

$6,188,986,252 532,653ANTHEM INC GRP6714 532,65380.36% 4.11% 57.86%$6,134,798,732 442,449CIGNA HLTH GRP9015 442,44985.83% 4.07% 61.94%$3,061,684,114 281,693WELLCARE GRP11996 281,69381.01% 2.03% 63.97%$2,835,932,194 231,854HIGHMARK GRP8127 231,85487.74% 1.88% 65.85%$2,239,411,604 138,960HEALTHFIRST INC GRP47788 138,96086.38% 1.49% 67.34%$1,750,864,844 215,495MEDICAL CARD SYSTEM INC GRP13019 215,49586.12% 1.16% 68.50%$1,742,674,478 157,707UPMC HLTH SYSTEM GRP132410 157,70788.90% 1.16% 69.66%$1,601,726,981 124,967INDEPENDENCE HLTH GRP INC GRP93611 124,96785.40% 1.06% 70.72%$1,470,358,880 134,091CENTENE CORP GRP129512 134,08888.54% 0.98% 71.70%$1,407,028,175 118,876AMERICAS 1ST CHOICE GRP475513 118,87671.75% 0.93% 72.63%$1,367,535,521 114,474UNIVERSAL AMER FIN CORP GRP95314 114,47482.18% 0.91% 73.54%$1,338,421,440 126,010BCBS OF MI GRP57215 126,01087.99% 0.89% 74.43%$1,322,914,805 138,332GUIDEWELL MUT HOLDING GRP53616 138,33284.73% 0.88% 75.31%$1,228,972,373 101,310EMBLEM HLTH GRP112717 102,05287.04% 0.82% 76.12%$1,163,260,548 101,109KAISER FOUNDATION GRP60118 94,198104.43% 0.77% 76.90%$1,146,601,534 89,806TUFTS GRP474219 89,80689.68% 0.76% 77.66%$1,142,161,354 79,834MOLINA HEALTHCARE INC GRP153120 79,83482.87% 0.76% 78.42%$1,121,325,862 112,936HCSC GRP91721 112,93695.34% 0.74% 79.16%$1,064,504,901 112,677BCBS OF TN GRP349822 112,67785.46% 0.71% 79.87%$1,023,903,457 110,297TRIPLE S GRP480223 110,29788.87% 0.68% 80.55%$1,000,995,348 107,272BCBS OF NC GRP75824 107,27284.88% 0.66% 81.21%

$998,552,177 93,550INDEPENDENT HLTH ASSN GRP489425 93,72391.24% 0.66% 81.87%$967,406,796 187,458MEDICA GRP155226 187,44086.95% 0.64% 82.52%$967,371,602 89,769GEISINGER INS GRP114327 89,76996.43% 0.64% 83.16%$942,996,900 93,649CAMBIA HEALTH SOLUTIONS INC120728 93,64985.58% 0.63% 83.79%$912,925,419 99,256SPECTRUM HLTH GRP338329 99,25687.37% 0.61% 84.39%$906,838,023 194,544BCBS OF MN GRP46130 194,54478.13% 0.60% 84.99%$826,204,165 81,579UCARE GRP438031 81,57993.00% 0.55% 85.54%$823,359,980 87,578LIFETIME HLTHCARE GRP118632 87,57884.26% 0.55% 86.09%$799,104,871 69,553CARE 1ST HEALTH PLAN1514333 69,55389.25% 0.53% 86.62%$736,582,063 0PEOPLES HLTH INC1360734 085.00% 0.49% 87.11%

© 2017 National Association of Insurance Commissioners 116

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Medicare

$709,048,918 0HEALTH SUN HLTH PLANS1012235 083.75% 0.47% 87.58%$662,286,635 62,238ESSENCE HLTHCARE INC1169936 62,23872.82% 0.44% 88.02%$645,460,826 60,986GROUP HLTH COOP GRP118537 60,65996.12% 0.43% 88.45%$590,835,333 0MEDISUN INC9598238 089.21% 0.39% 88.84%$589,865,638 56,422CHE TRINITY INC GRP283839 56,42292.45% 0.39% 89.23%$587,574,405 40,563HEALTH NOW NY INC5520440 40,56388.44% 0.39% 89.62%$543,934,198 50,395PROVIDENCE HLTH GRP478841 48,13288.62% 0.36% 89.98%$541,787,560 64,023NETWORK HLTH GRP267842 64,02391.59% 0.36% 90.34%$537,138,517 49,852BCBS OF RI5347343 49,85287.76% 0.36% 90.70%$517,915,481 43,647VIVA HLTH INC9532244 43,64784.25% 0.34% 91.04%$517,534,697 54,994BCBS OF AL GRP57045 54,99480.45% 0.34% 91.39%$467,196,799 43,544SECURITY HLTH PLAN OF WI INC9688146 43,54484.98% 0.31% 91.70%$457,910,605 44,881BCBS OF MA GRP363747 44,88191.23% 0.30% 92.00%$446,720,903 37,192HENRY FORD HLTH SYSTEM GRP131148 37,19294.24% 0.30% 92.30%$443,408,538 40,320MVP GRP119849 40,32091.43% 0.29% 92.59%$429,001,000 54,023HEALTHPARTNERS GRP125850 54,02385.59% 0.28% 92.88%$408,091,446 30,205AVMED INC9526351 30,20588.04% 0.27% 93.15%$402,659,248 36,955HAWAII MEDICAL SERV ASSN4994852 36,95582.72% 0.27% 93.42%$379,896,713 45,564PRESBYTERIAN HLTHCARE SERV GRP48153 45,56492.02% 0.25% 93.67%$349,815,375 35,069HEALTH FIRST GRP474054 35,06981.38% 0.23% 93.90%$335,665,556 36,742PACIFICSOURCE HLTH PLAN GRP470455 36,74288.76% 0.22% 94.12%$335,176,393 30,886KS PLAN ADMINISTRATORS LLC1282756 30,88688.90% 0.22% 94.35%$329,279,875 40,096MARTINS POINT GENERATIONS ADVANTAGE1585057 40,09693.58% 0.22% 94.56%$320,430,682 26,926BLUE CROSS OF ID GRP129058 26,92681.61% 0.21% 94.78%$301,152,375 27,653CDPHP INC GRP470859 27,65387.62% 0.20% 94.98%$297,281,515 19,462CARESOURCE GRP368360 19,46294.80% 0.20% 95.17%$296,845,106 23,212BCBS OF NJ GRP120261 23,21293.03% 0.20% 95.37%$289,214,716 28,564COMMUNITYCARE GRP348762 28,56488.96% 0.19% 95.56%$286,597,059 15,230CAIDAN ENTERPRISES INC GRP464063 15,23094.44% 0.19% 95.75%$286,097,132 38,891IHC INC GRP88064 38,89187.53% 0.19% 95.94%$285,699,558 11,765HEALTH PARTNERS PLANS INC9506665 11,76591.22% 0.19% 96.13%$265,903,043 19,049ARKANSAS BCBS GRP87666 19,04953.87% 0.18% 96.31%$253,382,033 21,303CAPITAL BLUE CROSS GRP123067 21,30385.96% 0.17% 96.48%$252,536,054 23,714SUMMA HLTH GRP325968 23,71486.04% 0.17% 96.65%

© 2017 National Association of Insurance Commissioners 117

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Medicare

$249,429,422 25,812CARLE HOLDING CO GRP119269 25,81287.43% 0.17% 96.81%$244,853,867 33,503CATHOLIC HLTH INITIATIVES GRP480770 33,50394.88% 0.16% 96.97%$197,816,429 18,252ATRIO HLTH PLANS INC1012371 18,25282.69% 0.13% 97.11%$195,391,302 25,878PREMERA BLUE CROSS GRP96272 25,87891.10% 0.13% 97.24%$187,918,060 16,392VANTAGE HLTH GRP478373 16,39286.08% 0.12% 97.36%$183,138,148 14,499VANGUARD HLTH VENTURES GRP121274 14,49983.98% 0.12% 97.48%$181,666,742 33,390SCOTT & WHITE GRP60075 33,39086.56% 0.12% 97.60%$180,021,029 16,395INDIANA UNIVERSITY HLTH GRP463776 16,39589.16% 0.12% 97.72%$173,279,077 10,949ELDERPLAN INC9566277 10,94999.20% 0.12% 97.84%$169,754,902 19,571CONSTELLATION HLTH LLC1512578 19,57189.50% 0.11% 97.95%$163,548,146 13,121HEALTH PLAN OF CAREOREGON INC1227779 13,12191.04% 0.11% 98.06%$156,852,899 13,660FALLON GRP474180 13,66094.70% 0.10% 98.16%$155,995,583 13,781HEALTH PLAN GRP129781 13,78198.07% 0.10% 98.27%$146,806,693 16,455TENET HEALTHCARE CORP GRP475982 16,455106.98% 0.10% 98.36%$145,859,967 17,649MEDICAL MUT OF OH GRP73083 17,649103.36% 0.10% 98.46%$140,555,385 16,287OREGON DENTAL GRP131384 16,28799.12% 0.09% 98.55%$139,968,530 15,217UNIVERSITY HLTH CARE & GUNDERSEN LUT487085 15,21790.49% 0.09% 98.65%$129,284,967 25,026DEAN HLTH GRP129486 25,02676.08% 0.09% 98.73%$119,783,751 13,800NEW W HLTH SERV9582987 13,80097.38% 0.08% 98.81%$111,689,700 10,088MEDSTAR FAMILY CHOICE1422788 10,088107.52% 0.07% 98.89%$111,129,769 9,693AULTMAN HLTH FOUNDATION GRP480589 9,41575.65% 0.07% 98.96%$109,548,850 11,114CARE N CARE INS CO INC1315190 11,11492.39% 0.07% 99.03%

$91,885,475 9,425BAYSTATE HLTH GRP475691 9,42594.40% 0.06% 99.09%$83,376,732 12,181HEALTHSPAN PARTNERS GRP483192 12,18199.84% 0.06% 99.15%$81,966,552 8,320GLOBALHEALTH INC1366793 8,32088.60% 0.05% 99.20%$81,485,986 7,225COMMUNITY HLTH PLAN OF WA4704994 7,22584.48% 0.05% 99.26%$77,981,111 9,455PREMIER HLTH PARTNERS GRP481695 9,455102.09% 0.05% 99.31%$56,901,847 6,738CARE N CARE INS CO OF NC1568596 6,37896.00% 0.04% 99.35%$53,739,390 6,464FIRSTCAROLINACARE INS CO INC1296297 6,464107.79% 0.04% 99.38%$53,614,019 8,340MEMORIAL HERMANN GRP480898 5,77193.17% 0.04% 99.42%$53,050,177 5,052SAMARITAN HLTH PLANS INC1225799 5,05292.49% 0.04% 99.45%$52,612,625 4,412DENVER HLTH MEDICAL PLAN INC95750100 4,41287.00% 0.03% 99.49%$52,037,416 5,558ULTIMATE HLTH PLANS INC14243101 5,55879.86% 0.03% 99.52%$49,553,305 4,304UPPER PENINSULA HLTH PLAN LLC52615102 4,30483.68% 0.03% 99.56%

© 2017 National Association of Insurance Commissioners 118

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Medicare

$47,568,023 4,668FAMILYCARE HLTH PLANS INC47084103 4,668109.11% 0.03% 99.59%$46,004,326 6,267SAINT MARYS HLTH CARE CORP GRP2418104 6,272104.45% 0.03% 99.62%$44,334,680 15,073ASSURED LIFE ASSN56499105 15,07373.44% 0.03% 99.65%$42,763,699 4,842FAMILY HLTH NETWORK GRP4843106 4,84281.31% 0.03% 99.68%$41,943,772 534CARE WI HLTH PLAN INC12248107 53488.34% 0.03% 99.70%$41,567,844 4,027UMMS HLTH PLAN GRP4854108 0107.42% 0.03% 99.73%$41,305,335 24,001ROCKY MOUNTAIN HLTH GRP1184109 24,00178.45% 0.03% 99.76%$39,439,171 5,398HARVARD PILGRIM HLTH CARE GRP595110 5,398110.05% 0.03% 99.79%$36,432,310 2,802FIRSTCARE GRP3549111 2,80288.72% 0.02% 99.81%$35,933,195 1,060COMMUNITY CARE HLTH PLAN INC10756112 1,06061.27% 0.02% 99.83%$32,650,447 15,954GPM LIFE GRP4712113 15,95483.55% 0.02% 99.86%$22,460,222 2,037SENTARA HLTH MGMT GRP1183114 2,028114.05% 0.01% 99.87%$22,243,660 0CRESTPOINT HLTH INS CO12858115 0103.19% 0.01% 99.88%$22,035,373 1,924ALLCARE HLTH PLAN INC12253116 1,92494.09% 0.01% 99.90%$17,729,782 1,346UNIVERSITY HLTH CARE INC52621117 1,34680.09% 0.01% 100.00%$17,574,445 0ADVICARE CORP15146118 084.37% 0.01% 100.00%$15,125,251 2,264BCBS OF KC GRP537119 2,26489.64% 0.01% 100.00%$12,800,480 1,915LOUISIANA HLTH SERV GRP438120 1,91594.66% 0.01% 100.00%$11,271,524 0ALOHA CARE95853121 0100.19% 0.01% 100.00%

$9,945,309 736MAGELLAN HLTH INC GRP1260122 73675.80% 0.01% 100.00%$9,909,492 5,955TORCHMARK CORP GRP290123 5,95584.83% 0.01% 100.00%$9,879,947 0SENIOR WHOLE HLTH OF NY INC12776124 00.00% 0.01% 100.00%$7,333,468 946BAPTIST HLTH PLAN INC95071125 94617.65% 0.00% 100.00%

$150,599,716,950 14,081,247Grand Total 14,065,38183.55% 100.00%

© 2017 National Association of Insurance Commissioners 119

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Medicaid

$26,099,953,522 4,993,577UNITEDHEALTH GRP7071 4,993,57783.08% 15.82% 15.82%$18,634,923,171 4,266,540ANTHEM INC GRP6712 4,369,85885.60% 11.30% 27.12%$15,749,415,928 3,854,591CENTENE CORP GRP12953 3,968,42986.99% 9.55% 36.67%$12,458,306,088 2,898,833MOLINA HEALTHCARE INC GRP15314 2,898,83383.63% 7.55% 44.22%

$9,742,893,078 1,938,637INDEPENDENCE HLTH GRP INC GRP9365 1,938,63791.49% 5.91% 50.12%$8,453,801,625 2,150,790WELLCARE GRP11996 2,150,79085.06% 5.12% 55.25%$6,581,533,140 1,308,423CARESOURCE GRP36837 1,308,42387.71% 3.99% 59.24%$6,379,290,977 1,317,433AETNA GRP18 1,356,08585.75% 3.87% 63.11%$4,827,035,633 892,130BCBS OF NJ GRP12029 892,13086.85% 2.93% 66.03%$3,173,134,936 859,119CAIDAN ENTERPRISES INC GRP464010 859,11988.08% 1.92% 67.95%$2,728,469,712 551,851HUMANA GRP11911 391,79788.76% 1.65% 69.61%$2,286,229,572 538,331BCBS OF TN GRP349812 537,51578.19% 1.39% 70.99%$2,267,979,580 498,278HCSC GRP91713 498,27894.50% 1.37% 72.37%$2,193,588,512 339,740MEDICA GRP155214 339,740103.14% 1.33% 73.70%$2,053,528,267 378,454HIGHMARK GRP81215 378,45484.10% 1.24% 74.94%$1,950,769,620 404,077UPMC HLTH SYSTEM GRP132416 404,07791.93% 1.18% 76.13%$1,807,962,245 285,365NEIGHBORHOOD HLTH PLAN INC1110917 284,15398.53% 1.10% 77.22%$1,755,423,435 318,779BCBS OF MN GRP46118 318,77999.45% 1.06% 78.29%$1,734,648,686 297,152UNIVERSITY HLTH CARE INC5262119 297,15295.41% 1.05% 79.34%$1,613,084,397 244,478HEALTH PARTNERS PLANS INC9506620 244,47876.90% 0.98% 80.32%$1,444,103,452 422,828INDIANA UNIVERSITY HLTH GRP463721 422,82894.51% 0.88% 81.19%$1,441,346,479 251,666BOSTON MEDICAL CENTER HLTH PLAN INC1320322 251,66690.11% 0.87% 82.07%$1,340,866,165 409,344CARE 1ST HEALTH PLAN1514323 409,34481.44% 0.81% 82.88%$1,157,841,818 193,265EMBLEM HLTH GRP112724 193,26495.61% 0.70% 83.58%$1,069,632,405 178,273NEIGHBORHOOD HLTH PLAN OF RI INC9540225 178,27389.00% 0.65% 84.23%$1,069,323,307 186,790MVP GRP119826 186,79087.72% 0.65% 84.88%$1,029,793,446 217,396PRESBYTERIAN HLTHCARE SERV GRP48127 217,39678.83% 0.62% 85.50%$1,026,976,386 192,608LIFETIME HLTHCARE GRP118628 192,60892.72% 0.62% 86.12%$1,014,672,953 62,393CIGNA HLTH GRP90129 62,39387.50% 0.62% 86.74%

$980,661,615 296,041COMMUNITY HLTH PLAN OF WA4704930 296,04189.12% 0.59% 87.33%$972,279,320 228,676VANGUARD HLTH VENTURES GRP121231 228,67685.49% 0.59% 87.92%$930,634,396 368,624TEXAS CHILDRENS HLTH PLAN INC9532932 368,62492.49% 0.56% 88.49%$881,402,788 185,971MCLAREN HLTH GRP470033 185,97187.97% 0.53% 89.02%$849,318,569 179,920GEISINGER INS GRP114334 179,92071.96% 0.51% 89.54%

© 2017 National Association of Insurance Commissioners 120

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Medicaid

$827,508,018 55,135UCARE GRP438035 55,13591.98% 0.50% 90.04%$816,920,242 242,432COMMUNITY HLTH CHOICE INC9561536 242,43290.13% 0.50% 90.53%$784,949,656 397,918TRIPLE S GRP480237 397,91889.95% 0.48% 91.01%$754,299,187 177,793SENTARA HLTH MGMT GRP118338 177,59990.98% 0.46% 91.47%$710,792,101 173,816BCBS OF MI GRP57239 173,81683.37% 0.43% 91.90%$672,214,792 62,262MAGELLAN HLTH INC GRP126040 62,26279.29% 0.41% 92.30%$667,287,104 13,275ELDERPLAN INC9566241 13,27579.80% 0.40% 92.71%$642,673,303 136,555MEDSTAR FAMILY CHOICE1422742 136,55588.30% 0.39% 93.10%$632,910,000 98,599HEALTHPARTNERS GRP125843 95,36489.96% 0.38% 93.48%$628,048,290 162,462HAWAII MEDICAL SERV ASSN4994844 162,46281.86% 0.38% 93.86%$505,023,801 238,986FAMILY HLTH NETWORK GRP484345 238,98692.24% 0.31% 94.17%$501,036,772 158,042DRISCOLL CHILDRENS HLTH PLAN9580946 158,04287.99% 0.30% 94.47%$484,530,851 119,489SPECTRUM HLTH GRP338347 119,48985.41% 0.29% 94.77%$470,128,674 170,636PARKLAND COMM HLTH PLAN INC9541448 186.65% 0.28% 95.05%$461,142,503 85,063CDPHP INC GRP470849 85,06394.11% 0.28% 95.33%$453,081,991 88,277CARLE HOLDING CO GRP119250 88,277100.95% 0.27% 95.61%$397,558,321 66,280BAYSTATE HLTH GRP475651 66,28089.77% 0.24% 95.85%$356,045,761 67,529INDEPENDENT HLTH ASSN GRP489452 67,24891.37% 0.22% 96.06%$347,004,263 92,187BCBS OF SC GRP66153 92,18779.91% 0.21% 96.27%$343,569,047 0COMMUNITY FIRST GRP273854 088.17% 0.21% 96.48%$326,822,537 96,772IHC INC GRP88055 96,77285.98% 0.20% 96.68%$325,731,727 94,492FIRSTCARE GRP354956 94,49280.60% 0.20% 96.88%$319,474,641 85,512KAISER FOUNDATION GRP60157 84,580102.31% 0.19% 97.07%$305,935,856 112,371COOK CHILDRENS HLTH PLAN9582258 112,37182.35% 0.19% 97.26%$305,710,620 0ALOHA CARE9585359 084.47% 0.19% 97.44%$297,372,031 73,422HEALTH PLAN GRP129760 73,42294.19% 0.18% 97.62%$291,259,373 19,684SANFORD HLTH GRP124661 19,68493.00% 0.18% 97.80%$283,841,764 54,466TOTAL HLTH GRP123862 54,46684.99% 0.17% 97.97%$235,568,460 130,430CHILDRENS COMM HLTH PLAN INC1373963 130,43088.37% 0.14% 98.11%$234,528,037 43,548UPPER PENINSULA HLTH PLAN LLC5261564 43,54887.10% 0.14% 98.25%$228,608,929 0SENIOR WHOLE HLTH OF NY INC1277665 00.00% 0.14% 98.39%$197,533,933 60,556INTOTAL HLTH LLC1015366 60,55689.92% 0.12% 98.51%$186,337,501 33,676ROCKY MOUNTAIN HLTH GRP118467 33,67680.92% 0.11% 98.63%$186,084,461 66,082EL PASO FIRST HLTH PLANS INC5263568 66,08287.45% 0.11% 98.74%

© 2017 National Association of Insurance Commissioners 121

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Medicaid

$181,472,372 388,792COLORADO ACCESS GRP478169 388,79294.62% 0.11% 98.85%$173,126,764 37,785FALLON GRP474170 37,78588.37% 0.10% 98.95%$167,368,321 532,212FHC HLTH SYSTEMS GRP96571 532,21274.13% 0.10% 99.05%$142,428,106 21,396HEALTH NOW NY INC5520472 21,39698.38% 0.09% 99.14%$136,460,991 30,483TRUSTED HLTH PLAN DC INC1422573 30,48378.20% 0.08% 99.22%$127,609,722 34,995PROVIDENCE HLTH GRP478874 36,31298.26% 0.08% 99.30%$122,675,499 55,487SECURITY HLTH PLAN OF WI INC9688175 55,48773.72% 0.07% 99.38%$121,019,713 45,624SCOTT & WHITE GRP60076 45,62483.66% 0.07% 99.45%

$85,731,347 40,984GROUP HLTH COOP OF EAU CLAIRE9519277 40,98486.14% 0.05% 99.50%$82,946,897 2,803CARE WI HLTH PLAN INC1224878 2,80379.03% 0.05% 99.55%$75,177,583 35,887NETWORK HLTH GRP267879 35,88787.96% 0.05% 99.60%$73,458,717 40,871DEAN HLTH GRP129480 40,87187.23% 0.04% 99.64%$60,739,287 32,554UNIVERSITY HLTH CARE & GUNDERSEN LUT487081 32,55485.41% 0.04% 99.68%$58,672,377 1,259COMMUNITY CARE HLTH PLAN INC1075682 1,259105.03% 0.04% 99.71%$57,786,386 17,956HEALTH CHOICE UTAH INC1448183 17,95697.27% 0.04% 99.75%$53,557,162 0ADVICARE CORP1514684 095.79% 0.03% 99.78%$51,774,214 223,420TUFTS GRP474285 223,42070.83% 0.03% 99.81%$46,848,952 18,598ASCENSION HLTH GRP485986 081.83% 0.03% 99.84%$44,053,964 139,120OREGON DENTAL GRP131387 139,12056.43% 0.03% 99.87%$39,426,472 9,512TENET HEALTHCARE CORP GRP475988 9,51271.22% 0.02% 99.89%$38,616,226 9,429CHILDRENS HLTH SYSTEM OF TX GRP482889 193.63% 0.02% 100.00%$36,905,001 13,305SENDERO HLTH PLANS INC1415190 13,30573.99% 0.02% 100.00%$36,213,054 2,299HENRY FORD HLTH SYSTEM GRP131191 2,29975.28% 0.02% 100.00%$18,864,938 9,899PHYSICIANS PLUS INS CORP9534192 9,89993.13% 0.01% 100.00%$17,859,886 5,595CHRISTUS HLTH PLAN1415493 5,59577.22% 0.01% 100.00%$15,129,999 8,808HEALTH TRADITION HLTH PLAN9662894 8,80880.46% 0.01% 100.00%$11,388,955 9,121GROUP HLTH COOP OF S CENTRAL WI9531195 9,12189.78% 0.01% 100.00%

$1,787,422 632CRYSTAL RUN HLTH GRP484796 63280.11% 0.00% 100.00%$1,190,522 0PHYSICIANS HLTH PLAN OF MID MI GRP340897 055.11% 0.00% 100.00%

$532,439 0COLUMBIA UNITED PROVIDERS INC4704798 0(117.20)% 0.00% 100.00%$153,894 128AMERICAS 1ST CHOICE GRP475599 12850.95% 0.00% 100.00%

$164,963,238,203 36,957,074Grand Total 36,848,81386.65% 100.00%

© 2017 National Association of Insurance Commissioners 122

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Medicare Part D - Stand-Alone

$4,814,934,434 4,937,619UNITEDHEALTH GRP7071 4,962,57872.71% 26.17% 26.17%$3,991,622,853 4,943,211HUMANA GRP1192 4,943,21177.02% 21.70% 47.87%$3,059,850,694 4,269,989CVS CAREMARK GRP46673 4,269,98970.53% 16.63% 64.50%$1,871,165,496 1,999,233AETNA GRP14 1,999,23378.64% 10.17% 74.67%$1,069,431,760 912,178CIGNA HLTH GRP9015 912,17884.48% 5.81% 80.48%

$844,988,049 972,979WELLCARE GRP11996 972,97972.61% 4.59% 85.08%$619,303,272 531,068EXPRESS SCRIPTS HOLDING GRP48137 531,06874.08% 3.37% 88.44%$432,524,877 369,530ENVISION INS CO127478 369,53097.41% 2.35% 90.79%$368,954,471 321,816ANTHEM INC GRP6719 321,81680.65% 2.01% 92.80%$366,463,399 342,706HCSC GRP91710 342,70680.99% 1.99% 94.79%$104,803,769 151,622TORCHMARK CORP GRP29011 151,62291.39% 0.57% 95.36%

$94,094,735 13,331GUIDEWELL MUT HOLDING GRP53612 13,33164.06% 0.51% 95.87%$69,437,522 97,231BCBS OF MN GRP46113 97,23165.61% 0.38% 96.25%$69,235,310 42,291BCBS OF MI GRP57214 42,29180.34% 0.38% 96.63%$68,792,109 48,434BCBS OF NC GRP75815 48,43472.41% 0.37% 97.00%$67,878,524 49,194BCBS OF AL GRP57016 49,19473.36% 0.37% 97.37%$66,932,899 97,844WELLMARK INC GRP77017 97,84461.51% 0.36% 97.73%$60,159,013 35,122HIGHMARK GRP81218 35,11576.63% 0.33% 98.06%$59,493,187 70,999BCBS OF MA GRP363719 70,99975.09% 0.32% 98.38%$39,186,165 29,260BCBS OF NJ GRP120220 29,26081.63% 0.21% 98.60%$37,555,582 9,052ARKANSAS BCBS GRP87621 9,05277.09% 0.20% 98.80%$29,197,304 6,178AEGON US HOLDING GRP46822 6,178(7.74)% 0.16% 98.96%$27,680,184 23,263BCBS OF KS GRP43023 23,26377.30% 0.15% 99.11%$26,746,679 20,453WISCONSIN PHYSICIANS SERV INS GRP6824 20,45379.31% 0.15% 99.26%$24,814,334 29,639BCBS OF NE GRP485825 29,63976.11% 0.13% 99.39%$21,272,801 20,244BCBS OF SC GRP66126 20,24486.05% 0.12% 99.51%$20,609,944 8,649TRILOGY HLTH INS INC1283427 8,64985.08% 0.11% 99.62%$17,716,370 11,176CAMBIA HEALTH SOLUTIONS INC120728 11,17672.52% 0.10% 99.71%$11,013,627 12,146NORIDIAN MUT INS CO5589129 12,14662.12% 0.06% 99.77%$8,571,178 12,999BCBS OF AZ INC5358930 12,999188.37% 0.05% 99.82%$7,029,496 1,011HEALTH NOW NY INC5520431 1,011107.56% 0.04% 99.86%$6,935,708 4,263CAPITAL BLUE CROSS GRP123032 4,26366.29% 0.04% 99.90%$5,858,222 7,346BCBS OF RI5347333 7,34673.01% 0.03% 100.00%$5,162,486 2,248CAIDAN ENTERPRISES INC GRP464034 2,248122.90% 0.03% 100.00%

© 2017 National Association of Insurance Commissioners 123

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Medicare Part D - Stand-Alone

$3,640,059 4,944BCBS OF WY5376735 4,94469.64% 0.02% 100.00%$3,007,000 1,303HEALTHPARTNERS GRP125836 1,30398.64% 0.02% 100.00%

$994,856 671CARLE HOLDING CO GRP119237 67190.81% 0.01% 100.00%$319,736 0EMBLEM HLTH GRP112738 0(169.52)% 0.00% 100.00%

$59,242 67VANGUARD HLTH VENTURES GRP121239 6745.72% 0.00% 100.00%$31,003 0CENTENE CORP GRP129540 0(7,285.57)% 0.00% 100.00%$19,361 0BCBS OF TN GRP349841 0(257.53)% 0.00% 100.00%

$634 0UPMC HLTH SYSTEM GRP132442 0(6,307.57)% 0.00% 100.00%

$18,397,448,585 20,411,309Grand Total 20,436,26175.57% 100.00%

© 2017 National Association of Insurance Commissioners 124

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Other Individual Business

$379,333,659 107,939UPMC HLTH SYSTEM GRP13241 107,939112.37% 22.42% 22.42%$354,292,956 6,278FALLON GRP47412 6,27885.38% 20.94% 43.35%$350,267,744 31,996CENTENE CORP GRP12953 31,99693.06% 20.70% 64.05%$159,607,833 61,480ANTHEM INC GRP6714 51,62294.96% 9.43% 73.48%

$86,318,220 90,714CHUBB LTD GRP6265 56,66458.64% 5.10% 78.58%$31,159,886 282,457METROPOLITAN GRP2416 108,65130.10% 1.84% 80.42%$29,240,074 128,478AFLAC GRP3707 64,14451.50% 1.73% 82.15%$28,707,992 0TRANS OCEANIC LIFE INS CO695238 349,50443.26% 1.70% 83.85%$28,399,240 2,022TOKIO MARINE HOLDINGS INC GRP30989 29335.35% 1.68% 85.52%$23,391,403 9,497NATIONAL LIFE GRP63410 14,534236.87% 1.38% 86.91%$20,819,915 0AMERICAN INTL GRP1211 33262.56% 1.23% 88.14%$18,721,898 6,747PRINCIPAL FIN GRP33212 6,74721.69% 1.11% 89.24%$17,372,504 2,097CDPHP INC GRP470813 2,09790.99% 1.03% 90.27%$16,644,063 30,002AETNA GRP114 30,00224.96% 0.98% 91.25%$13,559,892 0WHITE MOUNTAINS GRP112915 096.54% 0.80% 92.05%$13,286,087 3,074SAINT MARYS HLTH CARE CORP GRP241816 1,864105.69% 0.79% 92.84%$10,392,308 12,003EQUITABLE LIFE & CAS INS CO6295217 11,37157.56% 0.61% 93.45%$10,380,127 0HIGHMARK GRP81218 076.78% 0.61% 94.07%

$8,886,809 8,419TORCHMARK CORP GRP29019 6,33974.33% 0.53% 94.59%$7,407,335 14,851AAA LIFE GRP485320 14,85126.99% 0.44% 95.03%$7,340,993 84,993BCBS OF NC GRP75821 46,76066.53% 0.43% 95.46%$7,213,822 0SENIOR WHOLE HLTH OF NY INC1277622 00.00% 0.43% 95.89%$7,130,622 43,803HUMANA GRP11923 31,36536.42% 0.42% 96.31%$6,968,022 0CITIZENS SECURITY LIFE INS CO6192124 050.68% 0.41% 96.72%$6,777,167 37,738UNUM GRP56525 37,7381.63% 0.40% 97.12%$5,577,947 10,692ORDER OF UNITED COMMERCIAL TRAVELERS5638326 10,30574.87% 0.33% 97.45%$5,405,748 466,023ALLIANZ INS GRP76127 285,75342.11% 0.32% 97.77%$4,799,899 11,607AMERITAS MUT HOLDING GRP94328 11,60758.07% 0.28% 98.06%$4,253,240 16,554MAPFRE INS GRP41129 16,55449.23% 0.25% 98.31%$4,021,472 2,010SENDERO HLTH PLANS INC1415130 2,01080.61% 0.24% 98.54%$3,160,680 24MAGELLAN HLTH INC GRP126031 2486.49% 0.19% 98.73%$2,990,295 51,169UNITEDHEALTH GRP70732 29,90436.75% 0.18% 98.91%$2,911,350 1,435COMPREHENSIVE MOBILE INS AZ INC1523833 1,43542.03% 0.17% 99.08%$1,883,225 3,624MANHATTAN LIFE GRP111734 2,53157.47% 0.11% 99.19%

© 2017 National Association of Insurance Commissioners 125

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Other Individual Business

$1,594,956 0NATIONAL SECURITY GRP31635 7,14562.39% 0.09% 99.29%$1,532,974 271,603ARCH INS GRP127936 297,78555.94% 0.09% 99.38%$1,467,647 1,713CROY HALL MGMT GRP133937 95574.93% 0.09% 99.46%$1,123,413 0UNDERWRITERS AT LLOYDS3272738 0(570.13)% 0.07% 99.53%$1,065,788 153BCBS OF MI GRP57239 9263.01% 0.06% 99.59%$1,008,910 542COMPREHENSIVE MOBILE PLAN UT INC1536040 54249.45% 0.06% 99.65%

$856,452 935GUARANTEE TRUST GRP68741 92231.09% 0.05% 99.70%$811,838 9,920DELTA DENTAL PLAN OF AR INC4715542 6,90245.71% 0.05% 99.75%$728,263 23,156CAREFIRST INC GRP38043 15,770332.23% 0.04% 99.79%$685,634 951AMERICAN NATL FIN GRP40844 95135.52% 0.04% 99.83%$596,325 691KEMPER CORP GRP21545 53623.83% 0.04% 99.87%$383,050 4,677UNITED STATES LETTER CARRIERS MUT BE5645646 3,098(7.92)% 0.02% 99.89%$359,644 976DELTA GRP59847 97620.98% 0.02% 100.00%$293,545 195LIFETIME HLTHCARE GRP118648 19535.83% 0.02% 100.00%$290,882 5,393SPECTRUM HLTH GRP338349 5,39397.66% 0.02% 100.00%$204,770 6,019AUTOMOBILE CLUB MI GRP5550 6,01919.26% 0.01% 100.00%$177,480 115UNION LABOR GRP78151 110746.38% 0.01% 100.00%$148,383 0INDIVIDUAL ASSUR CO LIFE HLTH & ACC8177952 049.45% 0.01% 100.00%$141,042 0TAKECARE INS CO INC1109353 025.14% 0.01% 100.00%

$91,917 0UNITED TRANSPORTATION UNION INS ASSN5641354 096.11% 0.01% 100.00%$65,337 500NEW ERA LIFE GRP52055 45512.51% 0.00% 100.00%$62,066 0PAN AMER LIFE GRP52556 47041.23% 0.00% 100.00%$52,071 305AMEX ASSUR CO2792857 207678.44% 0.00% 100.00%$48,767 213INDUSTRIAL ALLIANCE GRP31558 21311.55% 0.00% 100.00%$41,394 91AMERICAN INTEGRITY LIFE INS CO8882059 9133.84% 0.00% 100.00%$40,264 2,435JACKSON NATL GRP91860 2,43555.03% 0.00% 100.00%$38,401 73CNO FINANCIAL GRP23361 68(680.89)% 0.00% 100.00%$38,316 421ADVANTAGE CAPITAL GRP482462 42136.07% 0.00% 100.00%$37,651 3,196CROATIAN FRATERNAL UNION OF AMER5663463 3,93034.23% 0.00% 100.00%$33,287 610COLUMBIAN LIFE GRP53564 61086.95% 0.00% 100.00%$32,083 68SELECTIVE INS GRP24265 68163.03% 0.00% 100.00%$31,716 190CUNA MUT GRP30666 19010.56% 0.00% 100.00%$25,475 29UNIFIED LIFE INS CO1112167 28401.39% 0.00% 100.00%$23,217 59WARRIOR INVICTUS HOLDING CO GRP472768 49(172.89)% 0.00% 100.00%

© 2017 National Association of Insurance Commissioners 126

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Other Individual Business

$19,148 24GENWORTH FIN GRP401169 24488.83% 0.00% 100.00%$16,949 135UNIVERSAL FIDELITY LIFE INS CO7012270 13573.69% 0.00% 100.00%$10,049 106LINCOLN HERITAGE LIFE INS CO6592771 10634.78% 0.00% 100.00%

$8,113 0UKRAINIAN NATL ASSN INC5721572 00.00% 0.00% 100.00%$7,673 77PROTECTIVE LIFE INS GRP45873 77(94.14)% 0.00% 100.00%$6,979 72REGAL REINS GRP44074 7261.20% 0.00% 100.00%$5,430 35STANDARD LIFE & CAS INS CO7170675 30(5.76)% 0.00% 100.00%$4,890 10SAMMONS ENTERPRISES GRP43176 101,512.62% 0.00% 100.00%$4,811 36ASSURANT INC GRP1977 36817.40% 0.00% 100.00%$4,642 0STATE AUTO MUT GRP17578 0313.87% 0.00% 100.00%$3,095 21,472BLUE SHIELD OF CA GRP279879 17,893953.28% 0.00% 100.00%$2,372 21ALLSTATE INS GRP880 21(15.47)% 0.00% 100.00%$2,314 633CLOISTER MUT & WINDSOR MOUNT JOY GRP477481 633(43.22)% 0.00% 100.00%$1,978 0FORESTERS LIFE INS ANN CO6349582 0119.26% 0.00% 100.00%$1,968 21NATIONAL WESTERN LIFE INS CO6685083 21262.30% 0.00% 100.00%$1,807 0UNIVERSAL INS CO GRP7184 00.00% 0.00% 100.00%$1,666 0NORTH CAROLINA MUT LIFE INS CO6703285 03,151.50% 0.00% 100.00%$1,349 64AMERICAN ENTERPRISE MUT GRP352786 6235.73% 0.00% 100.00%$1,338 20SLOVENE NATL BENEFIT SOCIETY5767387 20(96.04)% 0.00% 100.00%$1,293 0WILTON RE GRP421388 0(946.56)% 0.00% 100.00%$1,037 11FARMERS INS GRP6989 118.97% 0.00% 100.00%

$668 7VOYA FINANCIAL GRP483290 72,514.97% 0.00% 100.00%$665 10ROYAL STATE NATL INS CO LTD6855191 297.14% 0.00% 100.00%$597 1MOTORISTS MUT GRP29192 113.57% 0.00% 100.00%$465 1HEALTHMARKETS GRP26493 1(684.09)% 0.00% 100.00%$372 36HORACE MANN GRP30094 36(0.54)% 0.00% 100.00%$329 1AMERICAN FINANCIAL GRP8495 10.00% 0.00% 100.00%$271 3ARROWPOINT CAPITAL GRP55396 22,281.18% 0.00% 100.00%$134 1INTER AMER GRP86397 10.00% 0.00% 100.00%$108 5MERCHANTS MUT GRP22698 50.00% 0.00% 100.00%

$97 74FINANCIAL HOLDINGS GRP44999 74(1,381.44)% 0.00% 100.00%$89 1PRIMERICA GRP4750100 10.00% 0.00% 100.00%$24 0CITIZENS FIDELITY INS CO83968101 00.00% 0.00% 100.00%$21 1LIBERTY MUT GRP111102 1(8,600.00)% 0.00% 100.00%

© 2017 National Association of Insurance Commissioners 127

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Other Individual Business

$1,692,307,193 2,891,255Grand Total 2,722,43799.24% 100.00%

© 2017 National Association of Insurance Commissioners 128

Accident and Health Policy Experience ReportGroup Business

© 2017 National Association of Insurance Commissioners 129

Page Intentionally Left Blank

© 2017 National Association of Insurance Commissioners 130

Market Share for the Top 125 InsurersGroup Business

© 2017 National Association of Insurance Commissioners 131

Page Intentionally Left Blank

© 2017 National Association of Insurance Commissioners 132

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share for All Statement Types

Grand Total for Group Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

$51,771,691,977 20,232,008UNITEDHEALTH GRP7071 12,926,15578.98% 15.62% 15.62%$24,748,059,120 10,202,866ANTHEM INC GRP6712 6,393,17783.56% 7.47% 23.09%$21,779,128,088 13,506,600AETNA GRP13 9,292,07282.31% 6.57% 29.66%$20,678,721,389 4,319,687HCSC GRP9174 2,316,74584.95% 6.24% 35.90%$11,268,216,640 25,921,886CIGNA HLTH GRP9015 299,11181.33% 3.40% 39.30%$10,534,966,900 6,427,549HUMANA GRP1196 4,173,33882.50% 3.18% 42.48%$10,371,363,919 1,903,159KAISER FOUNDATION GRP6017 1,120,83588.79% 3.13% 45.61%

$8,080,401,866 1,406,172BCBS OF MI GRP5728 713,77882.13% 2.44% 48.05%$7,966,941,626 11,254,748HIGHMARK GRP8129 7,052,10386.52% 2.40% 50.45%$7,095,155,125 1,448,006CAREFIRST INC GRP38010 760,95183.18% 2.14% 52.59%$7,002,085,148 27,397,987METROPOLITAN GRP24111 132,33285.80% 2.11% 54.71%$6,822,447,405 1,516,460GUIDEWELL MUT HOLDING GRP53612 880,70181.67% 2.06% 56.77%$5,856,271,093 1,661,448BCBS OF MA GRP363713 839,34985.44% 1.77% 58.53%$5,118,869,733 1,215,290BCBS OF NJ GRP120214 601,33385.41% 1.54% 60.08%$4,650,003,456 1,964,464EMBLEM HLTH GRP112715 1,002,63988.34% 1.40% 61.48%$4,132,861,356 714,820INDEPENDENCE HLTH GRP INC GRP93616 398,90980.03% 1.25% 62.73%$3,857,216,116 822,274LIFETIME HLTHCARE GRP118617 444,98785.06% 1.16% 63.89%$3,445,992,690 1,097,730BCBS OF AL GRP57018 569,36388.81% 1.04% 64.93%$3,436,578,178 849,050CAMBIA HEALTH SOLUTIONS INC120719 463,44281.88% 1.04% 65.97%$3,385,329,020 17,755,675UNUM GRP56520 397,06074.08% 1.02% 66.99%$3,240,251,192 693,683BCBS OF NC GRP75821 416,66083.21% 0.98% 67.97%$3,044,110,866 17,786,746GUARDIAN LIFE GRP42922 10,833,20667.12% 0.92% 68.89%$3,024,723,964 642,243PREMERA BLUE CROSS GRP96223 368,82786.59% 0.91% 69.80%$2,670,579,993 1,361,568BCBS OF TN GRP349824 727,20479.60% 0.81% 70.60%$2,642,429,950 467,479HARVARD PILGRIM HLTH CARE GRP59525 257,25686.19% 0.80% 71.40%$2,566,102,327 638,548WELLMARK INC GRP77026 332,46585.50% 0.77% 72.18%$2,487,319,065 426,451GROUP HLTH COOP GRP118527 260,30685.76% 0.75% 72.93%$2,428,143,738 2,082,368BCBS OF SC GRP66128 1,415,07481.21% 0.73% 73.66%$2,264,782,808 497,002LOUISIANA HLTH SERV GRP43829 285,90783.37% 0.68% 74.34%$2,144,765,849 1,565,802UPMC HLTH SYSTEM GRP132430 187,35190.38% 0.65% 74.99%$2,062,864,900 440,855HAWAII MEDICAL SERV ASSN4994831 251,64985.90% 0.62% 75.61%$1,914,173,326 386,607BCBS OF MN GRP46132 230,57986.36% 0.58% 76.19%$1,813,401,783 302,350HENRY FORD HLTH SYSTEM GRP131133 153,75889.18% 0.55% 76.74%

© 2017 National Association of Insurance Commissioners 133

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share for All Statement Types

Grand Total for Group Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

$1,799,042,803 15,120,486HARTFORD FIRE & CAS GRP9134 85,58578.33% 0.54% 77.28%$1,704,422,858 415,246MEDICAL MUT OF OH GRP73035 226,96579.79% 0.51% 77.79%$1,633,027,000 775,311HEALTHPARTNERS GRP125836 378,40087.95% 0.49% 78.29%$1,632,832,746 22,843,446VISION SERV PLAN GRP118937 42,09780.04% 0.49% 78.78%$1,596,774,323 338,819SPECTRUM HLTH GRP338338 151,04883.61% 0.48% 79.26%$1,534,274,823 293,683TUFTS GRP474239 182,43385.92% 0.46% 79.72%$1,498,304,953 315,200HEALTH NOW NY INC5520440 161,70987.04% 0.45% 80.18%$1,469,744,958 5,013,995DENTEGRA GRP247941 2,262,06673.82% 0.44% 80.62%$1,411,310,035 455,282BCBS OF KC GRP53742 243,56581.06% 0.43% 81.05%$1,386,524,052 431,293CAPITAL BLUE CROSS GRP123043 154,28187.76% 0.42% 81.46%$1,357,695,943 536,878BCBS OF KS GRP43044 235,67986.55% 0.41% 81.87%$1,339,204,213 206,574MVP GRP119845 125,18187.82% 0.40% 82.28%$1,305,196,666 8,153,774MEIJI YASUDA LIFE INS GRP134846 7,637,72377.70% 0.39% 82.67%$1,300,269,304 304,493BCBS OF AZ INC5358947 141,26883.68% 0.39% 83.06%$1,287,346,664 4,494,236RENAISSANCE HLTH SERV CORP GRP47748 2,513,15284.16% 0.39% 83.45%$1,283,105,581 294,881CENTENE CORP GRP129549 159,46386.86% 0.39% 83.84%$1,276,301,303 185,816CDPHP INC GRP470850 100,77785.77% 0.39% 84.23%$1,262,792,544 355,873IHC INC GRP88051 139,57186.86% 0.38% 84.61%$1,261,132,151 8,539,404LINCOLN NATL GRP2052 74,38363.33% 0.38% 84.99%$1,249,390,031 249,433BCBS OF NE GRP485853 130,27987.83% 0.38% 85.36%$1,201,386,578 650,618ARKANSAS BCBS GRP87654 184,36384.51% 0.36% 85.73%$1,185,880,822 3,953,209PRINCIPAL FIN GRP33255 3,015,22663.25% 0.36% 86.08%$1,141,914,537 8,130,532PRUDENTIAL OF AMER GRP30456 4,92117.90% 0.34% 86.43%$1,096,012,558 17,844,261AEGON US HOLDING GRP46857 15,427,58852.38% 0.33% 86.76%$1,090,940,437 275,673MISSISSIPPI INS GRP112658 143,79387.48% 0.33% 87.09%$1,012,282,561 1,152,631AMERICAN INTL GRP1259 481,96363.36% 0.31% 87.39%

$967,294,558 221,031BCBS OF RI5347360 118,73183.91% 0.29% 87.69%$966,616,001 4,966,902LIBERTY MUT GRP11161 4,415,22385.01% 0.29% 87.98%$952,683,958 6,408,358TOKIO MARINE HOLDINGS INC GRP309862 42,960182.13% 0.29% 88.27%$943,496,390 175,527MEDICA GRP155263 94,92784.59% 0.28% 88.55%$904,710,953 135,356CARLE HOLDING CO GRP119264 71,03588.81% 0.27% 88.82%$844,804,021 172,520UNIVERSITY HLTH CARE & GUNDERSEN LUT487065 78,00689.43% 0.25% 89.08%$829,282,957 161,314DEAN HLTH GRP129466 75,89882.87% 0.25% 89.33%

© 2017 National Association of Insurance Commissioners 134

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share for All Statement Types

Grand Total for Group Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

$801,017,179 605,479JOHN HANCOCK GRP90467 605,238105.93% 0.24% 89.57%$783,719,524 222,259BLUE CROSS OF ID GRP129068 104,52085.66% 0.24% 89.81%$780,445,906 22,750,237CHUBB LTD GRP62669 9,26558.60% 0.24% 90.04%$769,070,360 3,029,900SUN LIFE ASSUR CO OF CN GRP54970 40,39777.70% 0.23% 90.27%$750,758,217 166,688PROVIDENCE HLTH GRP478871 97,71689.52% 0.23% 90.50%$742,861,451 22,168,989MUTUAL OF OMAHA GRP26172 4,931,08565.56% 0.22% 90.72%$740,526,629 16,359,629FIDELITY SECURITY GRP45173 4,989,26773.78% 0.22% 90.95%$718,599,739 137,629INDEPENDENT HLTH ASSN GRP489474 69,55787.87% 0.22% 91.17%$703,494,819 2,690,808ASSURANT INC GRP1975 1,862,47161.74% 0.21% 91.38%$701,995,063 251,457TRIPLE S GRP480276 111,06185.92% 0.21% 91.59%$693,280,661 1,779,764AMERITAS MUT HOLDING GRP94377 29,40966.75% 0.21% 91.80%$667,871,499 221,891NORIDIAN MUT INS CO5589178 108,61084.70% 0.20% 92.00%$628,429,113 5,755,464ALLSTATE INS GRP879 2,962,38849.30% 0.19% 92.19%$530,090,751 671,548MAGELLAN HLTH INC GRP126080 460,27687.12% 0.16% 92.35%$522,374,850 97,513GEISINGER INS GRP114381 56,18684.33% 0.16% 92.51%$499,007,112 103,879WEA INS CORP7227382 46,99395.99% 0.15% 92.66%$486,387,385 128,499FEDERATED MUT GRP783 74,38188.99% 0.15% 92.80%$482,674,659 115,913PACIFICSOURCE HLTH PLAN GRP470484 96,72786.89% 0.15% 92.95%$475,401,308 101,242SANFORD HLTH GRP124685 48,31596.00% 0.14% 93.09%$456,997,413 92,841SENTARA HLTH MGMT GRP118386 59,47986.59% 0.14% 93.23%$452,958,675 2,461,392AFLAC GRP37087 1,643,12245.56% 0.14% 93.37%$450,674,022 1,010,976DELTA DENTAL OF WA4734188 4,76984.27% 0.14% 93.50%$443,888,912 76,212FALLON GRP474189 36,89593.50% 0.13% 93.64%$442,836,692 1,357,811GENEVE HOLDINGS INC GRP45090 1,259,73157.73% 0.13% 93.77%$433,206,608 1,015,828AMERICAN FIDELITY CORP GRP33091 951,32451.84% 0.13% 93.90%$432,808,511 90,597AVMED INC9526392 59,26085.37% 0.13% 94.03%$419,366,870 72,302SECURITY HLTH PLAN OF WI INC9688193 30,40997.14% 0.13% 94.16%$417,784,195 83,825NEIGHBORHOOD HLTH PLAN INC1110994 44,48081.27% 0.13% 94.29%$407,483,805 77,807BAYSTATE HLTH GRP475695 39,303672.16% 0.12% 94.41%$391,405,822 74,164BCBS OF VT GRP474596 39,44893.34% 0.12% 94.53%$386,240,213 83,622SCOTT & WHITE GRP60097 47,94096.50% 0.12% 94.64%$382,238,727 196,992OREGON DENTAL GRP131398 104,20694.04% 0.12% 94.76%$359,385,078 3,834,596NATIONAL GUARDIAN LIFE INS GRP121199 2,194,57163.50% 0.11% 94.87%

© 2017 National Association of Insurance Commissioners 135

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share for All Statement Types

Grand Total for Group Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

$358,192,813 64,184RENOWN HLTH GRP4791100 28,19390.87% 0.11% 94.98%$355,716,690 4,816,343NESTLE SA GRP4483101 12,33572.24% 0.11% 95.08%$350,761,387 75,316COMMUNITYCARE GRP3487102 7,85985.49% 0.11% 95.19%$348,398,782 64,118AULTMAN HLTH FOUNDATION GRP4805103 38,56786.13% 0.11% 95.29%$339,987,486 76,314GROUP HLTH COOP OF S CENTRAL WI95311104 39,69590.92% 0.10% 95.40%$321,778,690 136,365WISCONSIN PHYSICIANS SERV INS GRP68105 28,16892.38% 0.10% 95.49%$308,162,412 3,525,851MINNESOTA MUT GRP869106 1,797,99740.29% 0.09% 95.59%$296,184,129 50,513PRESBYTERIAN HLTHCARE SERV GRP481107 32,58086.04% 0.09% 95.68%$285,715,787 196,295GENWORTH FIN GRP4011108 189,937135.91% 0.09% 95.76%$285,527,774 87,603NIPPON LIFE INS CO OF AMER81264109 47,23479.34% 0.09% 95.85%$282,136,757 2,224,505BCS INS GRP23110 1,706,01452.83% 0.09% 95.93%$280,420,940 131,430MEDICAL CARD SYSTEM INC GRP1301111 59,25884.17% 0.08% 96.02%$279,756,094 51,851NETWORK HLTH GRP2678112 22,47785.94% 0.08% 96.10%$274,275,955 37,732UNIVERSITY HLTH ALLIANCE47953113 39,36985.81% 0.08% 96.18%$269,896,482 198,216STATE FARM GRP176114 73,896105.18% 0.08% 96.27%$261,436,833 583,851DENTAQUEST GRP4512115 3,79876.32% 0.08% 96.35%$246,738,489 50,702BCBS OF WY53767116 26,53086.44% 0.07% 96.42%$244,607,437 678,791CORVESTA GRP4729117 357,31579.94% 0.07% 96.49%$239,150,158 859,724TORCHMARK CORP GRP290118 10,042,84578.67% 0.07% 96.57%$233,777,559 84,108NORTH SHORE LIJ HLTH CARE GRP4793119 52,333120.91% 0.07% 96.64%$223,459,455 433,657CNO FINANCIAL GRP233120 318,21397.42% 0.07% 96.70%$212,657,715 43,040PHYSICIANS PLUS INS CORP95341121 21,47087.07% 0.06% 96.77%$212,202,725 19,371,459CUNA MUT GRP306122 16,934,51629.92% 0.06% 96.83%$205,527,561 38,433PHYSICIANS HLTH PLAN OF MID MI GRP3408123 15,41185.58% 0.06% 96.89%$202,369,900 345,761WESTBRIDGE CAPITAL GRP839124 229,80352.79% 0.06% 96.95%$199,257,545 67,350FIRSTCARE GRP3549125 28,00092.59% 0.06% 97.01%

$331,397,955,619 512,488,077GRAND TOTAL 217,634,65883.09% 100.00%

© 2017 National Association of Insurance Commissioners 136

Top 25 Groups by Company

Group Business

© 2017 National Association of Insurance Commissioners 137

Page Intentionally Left Blank

© 2017 National Association of Insurance Commissioners 138

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share for All Statement Types

Top 25 Groups by Company

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code as of Dec 31 as of Dec 31Covered Lives

Number of

Rank Group/Company Name

Group

$51,771,691,977 20,232,00812,926,155UNITEDHEALTH GRP7071 78.98% 15.62%$55,416,340 9,2365,435ALL SAVERS INS CO82406 72.63%

$1,976,123 15,5058,024DENTAL BENEFIT PROVIDERS OF IL INC52053 65.28%$1,173,858,188 490,286271,246GOLDEN RULE INS CO62286 71.80%

$971,851 191131HARKEN HLTH INS CO79480 66.18%$0 00HEALTH NET INS CO NY INC43893 0.00%

$841,997,284 225,431120,928HEALTH PLAN OF NV96342 81.25%$62,662,172 14,7898,001MAMSI LIFE & HLTH INS CO60321 68.35%

$311,876,198 48,35422,450MD INDIVIDUAL PRACTICE ASSN INC96310 81.62%$0 00MEDICA HLTH PLANS OF FL INC12756 0.00%

$10,248,928 85,33147,867NATIONAL PACIFIC DENTAL INC95251 54.41%$578,017,255 121,54281,942NEIGHBORHOOD HLTH PARTNERSHIP INC95123 74.87%

$1,509,118 9,1569,156NEVADA PACIFIC DENTAL INC95758 70.51%$183,185,496 41,62225,434OPTIMUM CHOICE INC96940 69.20%

$0 55,21855,218ORTHONET OF THE MID ATLANTIC INC11068 0.00%$6,422,773,807 906,189474,203OXFORD HLTH INS INC78026 77.01%

$24,006,740 4,3212,531OXFORD HLTH PLANS CT INC96798 93.07%$57,984,148 8,3383,370OXFORD HLTH PLANS NJ INC95506 80.84%

$713,166,366 83,92346,971OXFORD HLTH PLANS NY INC95479 76.04%$3,689,753 48,14418,896PACIFICARE LIFE & HLTH INS CO70785 43.73%

$337,340,606 29,84429,844PACIFICARE OF CO INC95434 81.18%$0 00PACIFICARE OF NV INC95685 0.00%

$514,884 4040PREFERRED CARE PARTNERS INC11176 49.75%$8,556,706,274 815,399779,901SIERRA HLTH & LIFE INS CO INC71420 79.52%

$63,739,851 352,139202,897UNIMERICA INS CO91529 77.19%$4,961,486 14,62914,629UNIMERICA LIFE INS CO OF NY11596 18.51%

$18,980,618 4,0502,545UNITED HLTH CARE OF MS INC95716 71.29%$1,084,208,075 213,849118,760UNITED HLTHCARE INS CO OF IL60318 79.19%$1,004,397,949 549,001288,433UNITED HLTHCARE INS CO OF NY60093 80.28%

$44,076,635 10,7066,519UNITED HLTHCARE MID ATLANTIC INC95025 65.82%$5,399,613 1,9541,171UNITED HLTHCARE OF AL INC95784 97.34%

© 2017 National Association of Insurance Commissioners 139

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share for All Statement Types

Top 25 Groups by Company

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code as of Dec 31 as of Dec 31Covered Lives

Number of

Rank Group/Company Name

Group

$18,008,303 4,7202,825UNITED HLTHCARE OF AR INC954461 41.25%$110,640,096 19,19612,574UNITED HLTHCARE OF AZ INC96016 88.12%

$55,959,768 17,09510,955UNITED HLTHCARE OF CO INC95090 76.42%$481,005,799 103,31467,129UNITED HLTHCARE OF FL INC95264 77.60%

$69,193,927 20,49312,303UNITED HLTHCARE OF GA INC95850 78.05%$91,720,767 21,67513,187UNITED HLTHCARE OF KY LTD96644 85.22%$54,001,734 8,6365,709UNITED HLTHCARE OF LA INC95833 80.24%$23,688,114 5,6523,082UNITED HLTHCARE OF OH INC95186 80.34%$18,016,391 5,8392,375UNITED HLTHCARE OF UT INC95501 70.47%$39,600,023 2,8552,530UNITEDHEALTHCARE BENEFITS OF TX INC95174 82.34%

$26,940,009,518 15,334,3549,833,744UNITEDHEALTHCARE INS CO79413 79.52%$899,286,891 209,255126,304UNITEDHEALTHCARE INS CO OF THE RIVER12231 80.99%$366,371,282 77,38942,848UNITEDHEALTHCARE LIFE INS CO97179 87.03%$135,329,751 30,70518,252UNITEDHEALTHCARE OF IL INC95776 73.34%

$3,338,988 500237UNITEDHEALTHCARE OF MIDWEST INC96385 62.17%$222,520,432 62,32441,426UNITEDHEALTHCARE OF NC INC95103 78.68%

$13,797,773 2,6541,614UNITEDHEALTHCARE OF NEW ENGLAND INC95149 96.88%$4,059,509 434170UNITEDHEALTHCARE OF OR INC95893 67.31%

$81,950,614 22,95014,917UNITEDHEALTHCARE OF TX INC95765 73.36%$175,621,204 43,15426,037UNITEDHEALTHCARE OF WA INC48038 80.82%$174,973,872 34,03716,787UNITEDHEALTHCARE OF WI INC95710 80.73%$160,477,078 31,91617,767UNITEDHEALTHCARE PLAN OF THE RIVER V95378 78.56%

$68,454,385 13,6746,841UNITEDHEATHCARE OF OK INC96903 90.62%

$24,748,059,120 10,202,8666,393,177ANTHEM INC GRP6712 83.56% 7.47%$1,396,050,851 1,502,4961,063,148ANTHEM BLUE CROSS LIFE & HLTH INS CO62825 75.17%$1,026,661,347 338,273173,240ANTHEM HLTH PLANS INC60217 83.90%$1,512,186,000 594,931312,168ANTHEM HLTH PLANS OF KY INC95120 82.65%

$895,737,796 305,846162,961ANTHEM HLTH PLANS OF ME INC52618 86.68%$347,514,611 80,89939,975ANTHEM HLTH PLANS OF NH53759 90.44%

$3,143,998,480 821,070423,308ANTHEM HLTH PLANS OF VA INC71835 85.33%

© 2017 National Association of Insurance Commissioners 140

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share for All Statement Types

Top 25 Groups by Company

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code as of Dec 31 as of Dec 31Covered Lives

Number of

Rank Group/Company Name

Group

$2,084,721,953 869,067450,692ANTHEM INS CO INC282072 82.64%$2,587,891 42,92642,926ANTHEM LIFE & DISABILITY INS CO13573 84.66%

$95,701,812 1,170,0951,165,020ANTHEM LIFE INS CO61069 70.04%$1,532,690,884 315,260184,421BCBS HLTHCARE PLAN OF GA INC96962 79.21%$1,576,334,773 582,611289,965BCBS OF GA INC54801 90.12%

$629,273,277 225,260112,863BCBS OF WI54003 88.78%$3,358,314,819 965,865484,040COMMUNITY INS CO10345 84.04%

$460,901,089 112,57554,551COMPCARE HLTH SERV INS CORP95693 83.79%$2,013,259,971 617,064320,999EMPIRE HEALTHCHOICE ASSUR INC55093 85.70%

$203,422,934 19,67411,230EMPIRE HEALTHCHOICE HMO INC95433 82.16%$14,461,173 181,202180,719GREATER GA LIFE INS CO97217 78.97%

$757,674,912 148,51191,704HEALTHKEEPERS INC95169 79.44%$1,399,639,698 400,231219,490HEALTHY ALLIANCE LIFE INS CO78972 80.89%

$130,783,079 24,98013,988HMO CO INC95473 82.50%$110,170,962 20,30611,270HMO MO INC95358 79.06%$364,321,631 60,04734,653MATTHEW THORTON HLTH PLAN INC95527 79.60%

$1,640,744,424 446,964241,478ROCKY MOUNTAIN HOSPITAL & MEDICAL11011 84.03%$50,904,753 356,713308,368UNICARE LIFE & HLTH INS CO80314 98.06%

$21,779,128,088 13,506,6009,292,072AETNA GRP13 82.31% 6.57%$35,394,882 193,61193,590AETNA DENTAL INC95910 61.84%$11,257,279 183,0262,131AETNA DENTAL INC NJ CORP11183 81.25%$87,296,944 14,7317,259AETNA HEALTH INC LA95173 77.42%

$1,940,973 2,1172,117AETNA HLTH & LIFE INS CO78700 73.77%$71,624,102 31,35417,621AETNA HLTH ASSUR PA INC15827 75.96%

$4,212,438 610296AETNA HLTH INC CT CORP95935 86.97%$858,479,540 173,839120,771AETNA HLTH INC FL CORP95088 82.22%$271,864,593 66,57538,926AETNA HLTH INC GA CORP95094 78.22%

$18,355,264 4,0102,407AETNA HLTH INC ME CORP95517 79.05%$394,482,881 34,21716,652AETNA HLTH INC NJ CORP95287 83.89%

$351,088 1510AETNA HLTH INC NY CORP95234 (1,071.18)%

© 2017 National Association of Insurance Commissioners 141

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share for All Statement Types

Top 25 Groups by Company

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code as of Dec 31 as of Dec 31Covered Lives

Number of

Rank Group/Company Name

Group

$2,262,087,886 453,899236,465AETNA HLTH INC PA CORP951093 81.33%$164,719,591 31,03518,720AETNA HLTH INC TX CORP95490 89.23%

$30,962,211 177,13499,220AETNA HLTH INS CO72052 92.53%$157,474 63AETNA HLTH INS CO OF NY84450 53.80%

$62,023,978 13,6118,382AETNA HLTH OF IA INC95241 81.49%$15,923,011,262 11,762,8028,411,809AETNA LIFE INS CO60054 82.36%

$228,407,079 46,20218,996ALTIUS HLTH PLANS INC95407 88.02%$4,656,144 30,00930,009CONTINENTAL LIFE INS CO BRENTWOOD68500 69.70%

$491,647,755 77,01543,110COVENTRY HLTH & LIFE INS CO81973 83.86%$158,644,499 25,46312,377COVENTRY HLTH CARE OF FL INC95114 82.22%

$85,214,089 10,3925,418COVENTRY HLTH CARE OF IL INC74160 85.74%$57,483,491 4,5942,506COVENTRY HLTH CARE OF KS INC95489 62.22%$13,092,333 2,041872COVENTRY HLTH CARE OF MO INC96377 63.69%$46,967,480 8,7365,044COVENTRY HLTH CARE OF NE INC95925 82.08%$16,596,824 767489COVENTRY HLTH CARE OF VA INC96555 90.40%

)$(168,507 00COVENTRY HLTH CARE OF W VA INC95408 0.00%)$(774,172 00COVENTRY HLTH PLAN OF FL INC95266 0.00%

$18,213,214 31,12121,432FIRST HLTH LIFE & HLTH INS CO90328 58.35%$15,375,945 54,77634,343GROUP DENTAL SERV OF MD INC95846 66.54%

$260,971,762 27,91216,351HEALTHASSURANCE PA INC11102 90.07%$88,701,190 17,4708,692INNOVATION HLTH INS CO15097 78.11%$95,876,576 27,51016,054INNOVATION HLTH PLAN INC15098 87.35%

$0 00MHNET LIFE & HLTH INS CO12509 0.00%

$20,678,721,389 4,319,6872,316,745HCSC GRP9174 84.95% 6.24%$148,944,831 00DEARBORN NATL LIFE INS CO71129 84.34%

$819,142 17,43817,380DEARBORN NATL LIFE INS CO OF NY85090 93.53%$26,444,355 4,3772,250GHS HMO INC DBA BLUELINCS HMO11814 92.00%$15,057,985 8,3898,389HCSC INS SERV CO78611 81.96%

$20,487,455,076 4,289,4832,288,726HEALTH CARE SERV CORP A MUT LEGAL RE70670 84.95%

© 2017 National Association of Insurance Commissioners 142

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share for All Statement Types

Top 25 Groups by Company

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code as of Dec 31 as of Dec 31Covered Lives

Number of

Rank Group/Company Name

Group

$11,268,216,640 25,921,886299,111CIGNA HLTH GRP9015 81.33% 3.40%$14,066,449 2,38819ALLEGIANCE LIFE & HLTH INS CO INC12814 68.08%

$54,854 14576CENTRAL RESERVE LIFE INS CO61727 (1,992.94)%$8,877,081 39,445615CIGNA DENTAL HLTH OF CO INC11175 59.78%

$229,732 992149CIGNA DENTAL HLTH OF DE INC95380 64.85%$32,102,017 156,2771,163CIGNA DENTAL HLTH OF FL INC52021 42.92%

$1,749,039 7,791325CIGNA DENTAL HLTH OF KS INC52024 53.90%$10,565,977 47,578829CIGNA DENTAL HLTH OF KY INC52108 45.40%$11,437,589 53,790662CIGNA DENTAL HLTH OF MD INC48119 46.20%

$4,808,658 22,187434CIGNA DENTAL HLTH OF MO INC11160 71.11%$5,205,144 21,318629CIGNA DENTAL HLTH OF NC INC95179 86.18%

$11,546,870 64,7531,186CIGNA DENTAL HLTH OF NJ INC11167 80.34%$8,213,251 39,957578CIGNA DENTAL HLTH OF OH INC47805 54.26%$5,269,858 23,063829CIGNA DENTAL HLTH OF PA INC47041 41.68%

$33,547,508 187,8871,114CIGNA DENTAL HLTH OF TX INC95037 44.62%$5,671,708 26,006645CIGNA DENTAL HLTH OF VA INC52617 47.36%

$13,612,695 69,650708CIGNA DENTAL HLTH PLAN OF AZ INC47013 51.40%$1,099,306 10959CIGNA HLTCARE OF IN INC95525 127.89%

$8,032,034,023 6,388,486153,518CIGNA HLTH & LIFE INS CO67369 80.49%$1 00CIGNA HLTHCARE NH INC95493 14,000.00)%

$52,666,671 4,8302,586CIGNA HLTHCARE OF AZ INC95125 93.61%$4,840,113 838438CIGNA HLTHCARE OF CO INC95604 131.82%$9,732,491 31,86516,524CIGNA HLTHCARE OF CT INC95660 57.43%

$927,421 19189CIGNA HLTHCARE OF FL INC95136 83.69%$383,662,193 37,94737,730CIGNA HLTHCARE OF GA INC96229 95.60%

$505,395 7038CIGNA HLTHCARE OF IL INC95602 62.22%$89,021,061 8,7678,546CIGNA HLTHCARE OF NC INC95132 87.67%

$763,945 8338CIGNA HLTHCARE OF NJ INC95500 37.67%$95,548,857 9,6019,595CIGNA HLTHCARE OF SC INC95708 85.94%$22,172,697 2,7312,180CIGNA HLTHCARE OF ST LOUIS INC95635 95.68%$17,163,434 4,0172,221CIGNA HLTHCARE OF TN INC95606 75.12%

© 2017 National Association of Insurance Commissioners 143

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share for All Statement Types

Top 25 Groups by Company

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code as of Dec 31 as of Dec 31Covered Lives

Number of

Rank Group/Company Name

Group

$81,598,000 10,2584,524CIGNA HLTHCARE OF TX INC953835 75.26%$112,324,007 1,066,9032,916CIGNA LIFE INS CO OF NY64548 89.41%

)$(1,357 5019CIGNA WORLDWIDE INS CO90859 0.00%$53,698,095 563,3913,604CONNECTICUT GEN LIFE INS CO62308 103.04%

$2,137,000,718 17,004,44824,407LIFE INS CO OF N AMER65498 82.75%$6,501,139 24,07420,118LOYAL AMER LIFE INS CO65722 32.44%

$10,534,966,900 6,427,5494,173,338HUMANA GRP1196 82.50% 3.18%$2,022 00ARCADIAN HLTH PLAN INC12151 4.55%

$560,730 3333CARITEN HLTH PLAN INC95754 41.20%$93,432,787 925,462487,837COMPBENEFITS CO52015 65.52%

$5,273,279 30,62314,184COMPBENEFITS DENTAL INC11228 66.99%$90,995,409 590,972317,515COMPBENEFITS INS CO60984 70.65%$20,251,337 175,399100,094DENTICARE INC95161 67.73%

$0 00EMPHESYS INS CO88595 0.00%$288,193,213 22,49822,257HUMANA BENEFIT PLAN OF IL INC60052 87.12%

$134,947 424424HUMANA DENTAL CONCERN LTD52028 35.26%$641,798,329 166,89394,272HUMANA EMPLOYERS HLTH PLAN GA INC95519 80.06%$434,319,306 115,52088,226HUMANA HLTH BENEFIT PLAN OF LA INC95642 84.66%

$9,321 11HUMANA HLTH CO OF NY INC13558 8.97%$87,164,313 8,2426,990HUMANA HLTH INS CO OF FL INC69671 84.16%

$962,197,227 198,811122,342HUMANA HLTH PLAN INC95885 82.36%$204,413,665 50,50327,127HUMANA HLTH PLAN OF OH INC95348 80.45%$691,672,665 174,548109,456HUMANA HLTH PLAN OF TX INC95024 82.68%

$55,970,458 14,1098,108HUMANA HLTH PLANS OF PR95721 87.57%$5,509,386,702 2,229,5571,377,734HUMANA INS CO73288 83.97%

$1,624,038 12,6336,254HUMANA INS CO OF KY60219 47.17%$64,500,850 7,5677,270HUMANA INS CO OF NY12634 98.56%$99,032,868 95,09444,577HUMANA INS CO OF PR INC84603 82.61%

$802,139,150 143,691102,829HUMANA MEDICAL PLAN INC95270 82.19%$160,816 633232HUMANA MEDICAL PLAN OF UT INC12908 93.53%

© 2017 National Association of Insurance Commissioners 144

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share for All Statement Types

Top 25 Groups by Company

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code as of Dec 31 as of Dec 31Covered Lives

Number of

Rank Group/Company Name

Group

$127,268,209 27,31313,282HUMANA WI HLTH ORG INS CORP953426 90.98%$252,813,464 869,802826,759HUMANADENTAL INS CO70580 64.90%

$69,693,395 335,088239,522KANAWHA INS CO65110 44.78%$31,958,400 232,133156,013THE DENTAL CONCERN INC54739 68.18%

$10,371,363,919 1,903,1591,120,835KAISER FOUNDATION GRP6017 88.79% 3.13%$1,010,785,370 186,809115,627KAISER FOUND HLTH PLAN INC HI REGION11538 91.32%$2,679,542,109 493,415289,565KAISER FOUND HLTH PLAN MID ATLANTI95639 86.32%$3,058,152,278 484,236312,254KAISER FOUND HLTH PLAN OF CO95669 92.14%$1,306,691,762 240,968136,155KAISER FOUND HLTH PLAN OF GA INC96237 90.10%$2,195,851,223 375,693186,588KAISER FOUND HLTH PLAN OF THE NW95540 86.23%

$120,341,177 122,03880,646KAISER PERMANENTE INS CO60053 69.64%

$8,080,401,866 1,406,172713,778BCBS OF MI GRP5728 82.13% 2.44%$5,655,228,351 917,758467,829BCBS OF MI MUT INS CO54291 82.58%$2,425,092,470 488,058245,781BLUE CARE NETWORK OF MI95610 81.09%

$81,045 356168LIFESECURE INS CO77720 43.26%

$7,966,941,626 11,254,7487,052,103HIGHMARK GRP8129 86.52% 2.40%$329,292,990 52,08728,795FIRST PRIORITY LIFE INS CO INC60147 88.24%$513,068,969 83,15748,170HIGHMARK BCBSD INC53287 83.70%

$42,791,476 4,7822,768HIGHMARK BENEFITS GRP INC15508 84.72%$13,223,935 1,614829HIGHMARK COVERAGE ADVANTAGE INC15507 76.56%

$2,995,947,457 729,464390,146HIGHMARK INC54771 87.28%$1,549,480,611 116,298116,298HIGHMARK SENIOR HLTH CO15460 88.39%

$15,742,972 1,0661,066HIGHMARK SENIOR SOLUTIONS CO15459 98.84%$852,678,643 151,18178,077HIGHMARK WEST VIRGINIA INC.54828 84.79%$411,823,551 124,56065,488HM HLTH INS CO71768 78.14%$124,392,465 4,214,9232,323,672HM LIFE INS CO93440 75.28%

$28,516,756 2,785,0622,156,571HM LIFE INS CO OF NY60213 76.41%$27,526,816 4,6622,304HMO OF NE PA96601 85.92%

$258,241,338 17,73316,381KEYSTONE HLTH PLAN W INC95048 81.58%

© 2017 National Association of Insurance Commissioners 145

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share for All Statement Types

Top 25 Groups by Company

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code as of Dec 31 as of Dec 31Covered Lives

Number of

Rank Group/Company Name

Group

$15,170,018 00UNITED CONCORDIA COMPANIES INC890709 509.69%$10,240,317 48,62726,508UNITED CONCORDIA DENTAL PLAN PA INC47089 81.65%

$3,279,617 18,20910,451UNITED CONCORDIA DENTAL PLANS95253 54.80%$440,145 1,626631UNITED CONCORDIA DENTAL PLANS OF KY52048 75.65%$714,674 4,1152,108UNITED CONCORDIA DENTAL PLANS TX INC95160 63.89%

$6,930,739 23,8738,743UNITED CONCORDIA DENTAL PLNS OF MW96150 87.40%$266,399,882 737,064380,719UNITED CONCORDIA INS CO85766 75.16%

$7,254,462 16,8699,530UNITED CONCORDIA INS CO OF NY60222 75.77%$493,783,793 2,117,7761,382,848UNITED CONCORDIA LIFE & HLTH INS CO62294 87.46%

$7,095,155,125 1,448,006760,951CAREFIRST INC GRP38010 83.18% 2.14%$2,419,426,011 491,521272,333CAREFIRST BLUECHOICE INC96202 75.23%$1,451,784,449 322,766160,259CAREFIRST OF MD INC47058 88.10%$3,221,678,992 617,698319,703GROUP HOSPITALIZATION & MED SRVCS53007 86.92%

$2,265,673 16,0218,656THE DENTAL NETWORK INC13130 99.33%

$7,002,085,148 27,397,987132,332METROPOLITAN GRP24111 85.80% 2.11%$68,851,813 40,917780DELAWARE AMER LIFE INS CO62634 62.10%

$0 220220GENERAL AMER LIFE INS CO63665 0.00%$268,230 6,305178METLIFE HLTH PLANS INC14170 88.86%

$6,410,744 00METLIFE INS CO USA87726 32.99%$6,898,738,432 27,128,082111,864METROPOLITAN LIFE INS CO65978 86.14%

$0 00NEW ENGLAND LIFE INS CO91626 0.00%$9,482,683 83,1544,578SAFEGUARD HLTH PLANS INC95051 50.19%

$18,079,693 125,3638,219SAFEGUARD HLTH PLANS INC52009 66.18%$253,553 13,9466,493SAFEHEALTH LIFE INS CO79014 33.47%

$6,822,447,405 1,516,460880,701GUIDEWELL MUT HOLDING GRP53612 81.67% 2.06%$4,819,872,767 905,694519,459BCBS OF FL98167 82.11%

$764,555,243 134,42273,280CAPITAL HLTH PLAN INC95112 95.16%$55,071,644 197,14697,118FLORIDA COMBINED LIFE INS CO INC76031 68.23%

$177,801,318 35,20022,651FLORIDA HLTH CARE PLAN INC13567 80.88%

© 2017 National Association of Insurance Commissioners 146

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share for All Statement Types

Top 25 Groups by Company

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code as of Dec 31 as of Dec 31Covered Lives

Number of

Rank Group/Company Name

Group

$1,005,146,433 243,998168,193HEALTH OPTIONS INC9508912 70.20%

$5,856,271,093 1,661,448839,349BCBS OF MA GRP363713 85.44% 1.77%$2,021,741,847 980,985510,937BCBS OF MA53228 89.86%$3,834,529,246 680,463328,412BCBS OF MA HMO BLUE INC12219 83.12%

$5,118,869,733 1,215,290601,333BCBS OF NJ GRP120214 85.41% 1.54%$15,220,839 71,80734,495HORIZON HLTHCARE DENTAL INC11146 75.94%$41,025,756 5,1362,488HORIZON HLTHCARE OF NJ INC95529 84.16%

$5,059,980,680 1,087,473539,652HORIZON HLTHCARE SERV INC55069 85.45%$2,642,458 50,87424,698HORIZON INS CO14690 74.54%

$4,650,003,456 1,964,4641,002,639EMBLEM HLTH GRP112715 88.34% 1.40%$206,703,836 31,71316,395CONNECTICARE INC95675 84.10%$602,349,929 114,77861,379CONNECTICARE INS CO INC11209 87.18%

$4,828,118 756437CONNECTICARE OF MA INC95299 104.50%$898,240,548 1,443,907706,487GROUP HLTH INC55239 81.56%

$2,929,615,524 366,395211,902HEALTH INS PLAN OF GREATER NY55247 90.96%$8,265,501 6,9156,039HIP INS CO OF NY60094 78.82%

$4,132,861,356 714,820398,909INDEPENDENCE HLTH GRP INC GRP93616 80.03% 1.25%$155,632,475 25,78914,680AMERIHEALTH HMO INC95044 78.71%$488,720,350 72,00736,433AMERIHEALTH INS CO OF NJ60061 86.13%$336,796,906 94,38957,144INDEPENDENCE HOSPITAL IND PLAN INC54704 94.15%

$4,791,120 1,9821,160INTER CNTY HLTH PLAN INC53252 84.10%$11,427,113 1,8861,100INTER CTY HOSPITALIZATION PLAN INC54763 99.01%

$1,396,118,837 213,023127,812KEYSTONE HLTH PLAN E INC95056 76.00%$1,739,374,555 305,744160,580QCC INS CO93688 78.79%

$3,857,216,116 822,274444,987LIFETIME HLTHCARE GRP118617 85.06% 1.16%$3,838,238,375 794,094416,807EXCELLUS HLTH PLAN INC55107 84.35%

$10,229,417 22,15022,150MEDAMERICA INS CO69515 227.84%

© 2017 National Association of Insurance Commissioners 147

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share for All Statement Types

Top 25 Groups by Company

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code as of Dec 31 as of Dec 31Covered Lives

Number of

Rank Group/Company Name

Group

$55,851 4141MEDAMERICA INS CO OF FL1296717 150.29%$8,692,473 5,9895,989MEDAMERICA INS CO OF NY83437 229.21%

$3,445,992,690 1,097,730569,363BCBS OF AL GRP57018 88.81% 1.04%$3,445,992,690 1,097,730569,363BCBS OF AL55433 88.81%

$3,436,578,178 849,050463,442CAMBIA HEALTH SOLUTIONS INC120719 81.88% 1.04%$95,244,338 22,86915,041ASURIS NW HLTH47350 79.92%

$1,096,152,035 284,348155,112REGENCE BCBS OF OR54933 82.94%$802,696,669 170,78874,533REGENCE BCBS OF UT54550 87.14%

$1,140,945,527 287,184172,127REGENCE BLUESHIELD53902 78.01%$301,539,609 83,86146,629REGENCE BLUESHIELD OF ID INC60131 79.28%

$3,385,329,020 17,755,675397,060UNUM GRP56520 74.08% 1.02%$140,759,828 393,00510,252COLONIAL LIFE & ACCIDENT INS CO62049 40.50%$238,385,916 1,220,1409,436FIRST UNUM LIFE INS CO64297 75.40%

$15,079,338 40,4551,955PAUL REVERE LIFE INS CO67598 65.95%$3,025,146 9,8108,123PROVIDENT LIFE & ACCIDENT INS CO68195 422.82%

$196,303 1711PROVIDENT LIFE & CAS INS CO68209 599.62%$72,808,247 408,911216,233STARMOUNT LIFE INS CO68985 71.45%

$2,915,074,242 15,683,183151,060UNUM LIFE INS CO OF AMER62235 75.30%

$3,240,251,192 693,683416,660BCBS OF NC GRP75821 83.21% 0.98%$3,240,251,192 693,683416,660BCBS OF NC INC54631 83.21%

$3,044,110,866 17,786,74610,833,206GUARDIAN LIFE GRP42922 67.12% 0.92%$135,325 766491ACCESS DENTAL PLAN OF NV INC15307 200.70%

$9,558,011 166,888574AVESIS INS INC11163 76.21%$34,741,759 147,4542,157FIRST COMMONWEALTH INS CO60239 60.14%

$217,385 1,23036FIRST COMMONWEALTH LTD HLTH SERV COR11221 73.85%$4,118,715 17,656626FIRST COMMONWEALTH LTD HLTH SERV COR12146 51.65%$1,311,001 4,361111FIRST COMMONWEALTH OF MO INC47716 68.44%

© 2017 National Association of Insurance Commissioners 148

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share for All Statement Types

Top 25 Groups by Company

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code as of Dec 31 as of Dec 31Covered Lives

Number of

Rank Group/Company Name

Group

$2,869,884,926 17,091,81710,588,087GUARDIAN LIFE INS CO OF AMER6424622 67.23%$3,449,677 19,18511,566MANAGED DENTAL GUARD INC11199 80.09%

$302,616 1,570933MANAGED DENTALGUARD INC14142 53.92%$6,872,182 55,27930,426MANAGED DENTALGUARD INC52556 62.38%

$113,519,269 280,540198,199PREMIER ACCESS INS CO60237 65.94%

$3,024,723,964 642,243368,827PREMERA BLUE CROSS GRP96223 86.59% 0.91%$27,937,749 11,62611,064LIFEWISE ASSUR CO94188 78.92%$68,547,091 13,3567,759LIFEWISE HLTH PLAN OF OR INC84930 85.14%

$1,165,804 7660LIFEWISE HLTH PLAN OF WA52633 79.45%$2,927,073,320 617,185349,944PREMERA BLUE CROSS47570 86.70%

$2,670,579,993 1,361,568727,204BCBS OF TN GRP349824 79.60% 0.81%$2,670,579,993 1,361,568727,204BCBS OF TN INC54518 79.60%

$2,642,429,950 467,479257,256HARVARD PILGRIM HLTH CARE GRP59525 86.19% 0.80%$360,365,181 67,96437,437HARVARD PILGRIM HEALTH CARE NEW ENG96717 83.44%

$1,647,432,312 261,142129,630HARVARD PILGRIM HLTH CARE INC96911 84.44%$4,045,758 656389HARVARD PILGRIM HLTH CARE OF CT INC15492 88.58%

$630,586,699 137,71789,800HPHC INS CO INC18975 92.32%

$331,397,955,619 512,488,077217,634,65826 83.09%

© 2017 National Association of Insurance Commissioners 149

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© 2017 National Association of Insurance Commissioners 150

Market Share by Statement TypeGroup Business

© 2017 National Association of Insurance Commissioners 151

Page Intentionally Left Blank

© 2017 National Association of Insurance Commissioners 152

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share for Life, Accident & Health

Grand Total for Group Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

$28,608,046,418 16,326,177UNITEDHEALTH GRP7071 10,389,69579.27% 30.44% 30.44%$15,947,821,593 11,826,049AETNA GRP12 8,465,36782.33% 16.97% 47.41%$10,341,611,479 25,047,497CIGNA HLTH GRP9013 204,65881.13% 11.00% 58.41%

$6,974,000,989 27,169,219METROPOLITAN GRP2414 112,86485.90% 7.42% 65.83%$3,385,329,020 17,755,675UNUM GRP5655 397,06074.08% 3.60% 69.43%$2,869,884,926 17,091,817GUARDIAN LIFE GRP4296 10,588,08767.23% 3.05% 72.48%$1,799,043,993 15,120,486HARTFORD FIRE & CAS GRP917 85,58578.35% 1.91% 74.40%$1,353,565,301 535,131BCBS OF KS GRP4308 234,69286.57% 1.44% 75.84%$1,305,196,666 8,153,774MEIJI YASUDA LIFE INS GRP13489 7,637,72377.70% 1.39% 77.23%$1,261,132,151 8,539,404LINCOLN NATL GRP2010 74,38363.33% 1.34% 78.57%$1,185,880,822 3,953,209PRINCIPAL FIN GRP33211 3,015,22663.25% 1.26% 79.83%$1,141,914,537 8,130,532PRUDENTIAL OF AMER GRP30412 4,92117.90% 1.21% 81.04%$1,095,869,148 17,844,134AEGON US HOLDING GRP46813 15,427,46752.39% 1.17% 82.21%

$962,960,950 221,261CENTENE CORP GRP129514 112,84486.05% 1.02% 83.23%$961,847,631 4,414,900LIBERTY MUT GRP11115 4,414,90084.99% 1.02% 84.26%$817,435,683 3,659,146TOKIO MARINE HOLDINGS INC GRP309816 40,37973.41% 0.87% 85.13%$801,017,179 605,479JOHN HANCOCK GRP90417 605,238105.93% 0.85% 85.98%$754,665,845 2,905,470SUN LIFE ASSUR CO OF CN GRP54918 38,58078.19% 0.80% 86.78%$742,861,451 22,168,989MUTUAL OF OMAHA GRP26119 4,931,08565.56% 0.79% 87.57%$740,526,629 16,359,629FIDELITY SECURITY GRP45120 4,989,26773.78% 0.79% 88.36%$703,183,285 2,686,276ASSURANT INC GRP1921 1,857,93961.77% 0.75% 89.11%$693,280,661 1,779,764AMERITAS MUT HOLDING GRP94322 29,40966.75% 0.74% 89.85%$628,429,113 5,755,464ALLSTATE INS GRP823 2,962,38849.30% 0.67% 90.52%$499,007,112 103,879WEA INS CORP7227324 46,99395.99% 0.53% 91.05%$452,958,675 2,461,392AFLAC GRP37025 1,643,12245.56% 0.48% 91.53%$433,206,608 1,015,828AMERICAN FIDELITY CORP GRP33026 951,32451.84% 0.46% 91.99%$414,271,087 1,315,055GENEVE HOLDINGS INC GRP45027 1,218,92057.67% 0.44% 92.43%$359,385,078 3,834,596NATIONAL GUARDIAN LIFE INS GRP121128 2,194,57163.50% 0.38% 92.81%$355,716,690 4,816,343NESTLE SA GRP448329 12,33572.24% 0.38% 93.19%$326,413,678 925,568BCBS OF SC GRP66130 751,37467.99% 0.35% 93.54%$308,162,412 3,525,851MINNESOTA MUT GRP86931 1,797,99740.29% 0.33% 93.87%$285,715,787 196,295GENWORTH FIN GRP401132 189,937135.91% 0.30% 94.17%$285,527,774 87,603NIPPON LIFE INS CO OF AMER8126433 47,23479.34% 0.30% 94.47%

© 2017 National Association of Insurance Commissioners 153

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share for Life, Accident & Health

Grand Total for Group Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

$280,420,940 131,430MEDICAL CARD SYSTEM INC GRP130134 59,25884.17% 0.30% 94.77%$244,810,877 0CHUBB LTD GRP62635 079.33% 0.26% 95.03%$239,150,158 859,724TORCHMARK CORP GRP29036 10,042,84578.67% 0.25% 95.29%$229,415,348 1,081,903AMERICAN INTL GRP1237 457,58274.93% 0.24% 95.53%$223,459,455 433,657CNO FINANCIAL GRP23338 318,21397.42% 0.24% 95.77%$212,202,725 19,371,459CUNA MUT GRP30639 16,934,51629.92% 0.23% 95.99%$202,369,900 345,761WESTBRIDGE CAPITAL GRP83940 229,80352.79% 0.22% 96.21%$198,688,853 2,501,329VOYA FINANCIAL GRP483241 1,372,06455.26% 0.21% 96.42%$182,789,438 1,466,703NATIONWIDE CORP GRP14042 1,359,58164.87% 0.19% 96.62%$170,350,301 442,815HUMANA GRP11943 290,35366.80% 0.18% 96.80%$163,655,629 1,750,936ANTHEM INC GRP67144 1,697,03379.77% 0.17% 96.97%$163,080,786 948,735BCS INS GRP2345 463,55758.07% 0.17% 97.14%$152,909,221 6,999,985HIGHMARK GRP81246 4,480,24375.49% 0.16% 97.31%$150,296,840 1,395,516NEW YORK LIFE GRP82647 1,380,68258.46% 0.16% 97.47%$149,763,973 17,438HCSC GRP91748 17,38084.39% 0.16% 97.63%$120,741,251 66,839BLUE SHIELD OF CA GRP279849 43,12290.49% 0.13% 97.76%$119,369,467 106,305PAN AMER LIFE GRP52550 59,91958.27% 0.13% 97.88%$119,038,134 227,445NORTHWESTERN MUT GRP86051 12,78554.32% 0.13% 98.01%$117,965,798 714,588SUMITOMO LIFE INS GRP485552 740,86968.90% 0.13% 98.13%$111,223,290 511,255TRUSTMARK MUT HOLDING CO GRP27653 391,67045.03% 0.12% 98.25%$107,324,336 46,116MAPFRE INS GRP41154 1,38687.20% 0.11% 98.37%

$96,447,351 936,892ONEAMERICA FIN PARTNERS GRP61955 936,77663.31% 0.10% 98.47%$94,090,437 379,676ARKANSAS BCBS GRP87656 2,04357.90% 0.10% 98.57%$91,598,396 139,377AMTRUST NGH GRP253857 94,63880.77% 0.10% 98.67%$90,287,296 1,536,489SHELTERPOINT GRP INC480358 1,454,07455.48% 0.10% 98.76%$83,999,721 253,760UNIFIED LIFE INS CO1112159 174,50058.83% 0.09% 98.85%$75,786,900 43,952AMERICAN ENTERPRISE MUT GRP352760 43,25474.33% 0.08% 98.93%$74,082,797 86,504AMERICAN NATL FIN GRP40861 56,58377.86% 0.08% 99.01%$64,151,871 409,716AAA LIFE GRP485362 409,71642.79% 0.07% 99.08%$55,071,644 197,146GUIDEWELL MUT HOLDING GRP53663 97,11868.23% 0.06% 99.14%$54,788,028 1GREAT WEST GRP76964 1104.76% 0.06% 99.20%$54,741,819 191,045KANSAS CITY LIFE INS GRP58865 147,75459.46% 0.06% 99.26%$51,600,884 498,244BOSTON MUT GRP58166 441,56057.45% 0.05% 99.31%

© 2017 National Association of Insurance Commissioners 154

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share for Life, Accident & Health

Grand Total for Group Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

$43,251,508 110,815PHYSICIANS MUT GRP36767 93,94958.65% 0.05% 99.36%$40,598,780 95,306GUARANTEE TRUST GRP68768 75,47449.95% 0.04% 99.40%$38,494,647 7,729PEKIN INS GRP15369 4,55479.34% 0.04% 99.44%$35,925,720 47,033ASSURITY GRP486270 23,42069.00% 0.04% 99.48%$27,937,749 11,626PREMERA BLUE CROSS GRP96271 11,06478.92% 0.03% 99.51%$24,235,547 68,124BEST LIFE & HLTH INS CO9063872 38,87163.74% 0.03% 99.53%$21,592,980 12,833OLD REPUBLIC GRP15073 12726.68% 0.02% 99.56%$20,761,152 2,694,636WR BERKLEY CORP GRP9874 3,79450.32% 0.02% 99.58%$19,574,681 16,386CONTINENTAL GEN INS CO7140475 14,753145.70% 0.02% 99.60%$18,977,741 28,180LIFETIME HLTHCARE GRP118676 28,180228.24% 0.02% 99.62%$18,905,149 79,662WISCONSIN PHYSICIANS SERV INS GRP6877 1,55075.23% 0.02% 99.64%$17,669,352 4,180NETCARE LIFE & HLTH INS CO6024678 17585.50% 0.02% 99.66%$14,250,923 1,272BENEFICIAL LIFE GRP61579 1,00459.69% 0.02% 99.67%$13,715,170 1,011,141UNION LABOR GRP78180 972,12055.05% 0.01% 99.69%$13,365,324 184,763GENERAL ELECTRIC GRP35081 101,49939.08% 0.01% 99.70%$13,285,718 173,102FORTRESS GRP471682 848.72% 0.01% 99.72%$13,160,471 9,741MANHATTAN LIFE GRP111783 8,71352.83% 0.01% 99.73%$12,807,802 180,882SECURITY MUT LIFE INS CO OF NY6877284 2,52678.21% 0.01% 99.74%$12,404,985 0DELTA DENTAL OF KS GRP463885 084.74% 0.01% 99.76%$12,039,139 51,775DENTAL ECONOMICS GRP450686 26,58767.68% 0.01% 99.77%$11,806,450 5,155AMERIPRISE FIN GRP487 5,155240.76% 0.01% 99.78%$10,851,781 0CITIZENS SECURITY LIFE INS CO6192188 061.90% 0.01% 99.80%$10,465,749 84,055ATHENE GRP473489 55,0577.89% 0.01% 99.81%$10,281,102 4,206SHELTER INS GRP12390 1,60884.09% 0.01% 99.82%

$9,908,503 7,444PENN MUT GRP85091 7,444453.66% 0.01% 99.83%$8,768,291 8,850KEMPER CORP GRP21592 8,74244.35% 0.01% 99.84%$8,123,713 5,114HEARTLAND NATL LIFE INS CO6621493 5,11476.39% 0.01% 99.85%$6,842,501 27,927MEDICAL MUT OF OH GRP73094 27,92775.56% 0.01% 99.85%$6,684,041 0TRIPLE S GRP480295 0104.68% 0.01% 99.86%$6,544,016 73,680SENTRY INS GRP16996 72,22064.60% 0.01% 99.87%$6,248,653 50,673HEALTHMARKETS GRP26497 31,50548.62% 0.01% 99.87%$6,038,050 23,619SOUTHLAND NATL HOLDING GRP482798 11,94967.84% 0.01% 99.88%$5,952,853 19,367ZURICH INS GRP21299 18,72687.10% 0.01% 99.89%

© 2017 National Association of Insurance Commissioners 155

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share for Life, Accident & Health

Grand Total for Group Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

$5,832,916 977ISMIE GRP2358100 71382.76% 0.01% 99.89%$5,328,980 68,472MULTINATIONAL GRP4804101 68,472(5.73)% 0.01% 99.90%$5,291,375 100,146UNIVERSAL INS CO GRP71102 100,14651.74% 0.01% 100.00%$4,443,158 14,763TOWN & COUNTRY LIFE INS CO77674103 22970.02% 0.00% 100.00%$4,087,561 6,393AMFIRST HOLDINGS GRP4719104 18931.10% 0.00% 100.00%$3,863,099 4,647NEW ERA LIFE GRP520105 78559.58% 0.00% 100.00%$3,716,623 345,131COMMERCIAL TRAVELERS MUT INS CO81426106 1,79852.96% 0.00% 100.00%$3,624,290 18,020UNITED HERITAGE MUT GRP2878107 18,02069.71% 0.00% 100.00%$3,538,452 970AMERCO CORP GRP574108 97070.18% 0.00% 100.00%$3,433,041 1,492AMALGAMATED LIFE & HLTH INS CO60208109 1,38757.61% 0.00% 100.00%$3,260,526 7,322MUTUAL OF AMER LIFE INS CO88668110 7,32259.23% 0.00% 100.00%$3,153,665 0COOPERATIVA DE SEGUROS DE VIDA79715111 013.73% 0.00% 100.00%$3,068,333 15,342AMALGAMATED LIFE INS CO60216112 3563.39% 0.00% 100.00%$3,016,088 3,828SOUTHERN FARM BUREAU LIFE INS CO68896113 3,828105.12% 0.00% 100.00%$2,859,053 11,357LOUISIANA HLTH SERV GRP438114 10,78344.40% 0.00% 100.00%$2,840,443 9,737LIFE INS CO OF AL65412115 5,20965.30% 0.00% 100.00%$2,744,137 84,997ROYAL STATE NATL INS CO LTD68551116 975.99% 0.00% 100.00%$2,643,558 5,438CENTRAL STATES GRP690117 5,43867.63% 0.00% 100.00%$2,564,747 6,212ILLINOIS MUT LIFE INS CO64580118 6,21244.68% 0.00% 100.00%$2,538,681 0AMERICAN FIN SECURITY LIFE INS CO69337119 063.93% 0.00% 100.00%$2,359,985 0NATL GEN GRP948120 052.50% 0.00% 100.00%$2,099,722 1,237MEDICAL BENEFITS MUT LIFE INS CO74322121 1,04649.69% 0.00% 100.00%$1,947,519 4,557AUTO OWNERS GRP280122 4,55776.50% 0.00% 100.00%$1,932,765 14,334HORACE MANN GRP300123 13,61428.65% 0.00% 100.00%$1,850,118 1,331ELAN SOLUTIONS INC16074124 84668.85% 0.00% 100.00%$1,836,020 1,253FINANCIAL HOLDINGS GRP449125 1,27332.02% 0.00% 100.00%

$93,989,779,466 306,980,101GRAND TOTAL 132,128,92477.36% 100.00%

© 2017 National Association of Insurance Commissioners 156

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share for Health

Grand Total for Group Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

$24,584,403,491 8,451,930ANTHEM INC GRP6711 4,696,14483.59% 10.51% 10.51%$23,163,645,559 3,905,831UNITEDHEALTH GRP7072 2,536,46078.63% 9.90% 20.41%$20,528,957,416 4,302,249HCSC GRP9173 2,299,36584.95% 8.77% 29.18%$10,371,363,919 1,903,159KAISER FOUNDATION GRP6014 1,120,83588.79% 4.43% 33.61%$10,364,616,599 5,984,734HUMANA GRP1195 3,882,98582.76% 4.43% 38.04%

$8,080,320,821 1,405,816BCBS OF MI GRP5726 713,61082.14% 3.45% 41.49%$7,814,032,405 4,254,763HIGHMARK GRP8127 2,571,86086.73% 3.34% 44.83%$7,095,155,125 1,448,006CAREFIRST INC GRP3808 760,95183.18% 3.03% 47.86%$6,767,375,761 1,319,314GUIDEWELL MUT HOLDING GRP5369 783,58381.78% 2.89% 50.76%$5,856,271,093 1,661,448BCBS OF MA GRP363710 839,34985.44% 2.50% 53.26%$5,831,306,495 1,680,551AETNA GRP111 826,70582.24% 2.49% 55.75%$5,118,869,733 1,215,290BCBS OF NJ GRP120212 601,33385.41% 2.19% 57.94%$4,650,003,456 1,964,464EMBLEM HLTH GRP112713 1,002,63988.34% 1.99% 59.93%$4,132,861,356 714,820INDEPENDENCE HLTH GRP INC GRP93614 398,90980.03% 1.77% 61.69%$3,838,238,375 794,094LIFETIME HLTHCARE GRP118615 416,80784.35% 1.64% 63.33%$3,445,992,690 1,097,730BCBS OF AL GRP57016 569,36388.81% 1.47% 64.81%$3,436,578,178 849,050CAMBIA HEALTH SOLUTIONS INC120717 463,44281.88% 1.47% 66.27%$3,240,251,192 693,683BCBS OF NC GRP75818 416,66083.21% 1.38% 67.66%$2,996,786,215 630,617PREMERA BLUE CROSS GRP96219 357,76386.67% 1.28% 68.94%$2,670,579,993 1,361,568BCBS OF TN GRP349820 727,20479.60% 1.14% 70.08%$2,642,429,950 467,479HARVARD PILGRIM HLTH CARE GRP59521 257,25686.19% 1.13% 71.21%$2,566,102,327 638,548WELLMARK INC GRP77022 332,46585.50% 1.10% 72.31%$2,487,319,065 426,451GROUP HLTH COOP GRP118523 260,30685.76% 1.06% 73.37%$2,261,923,755 485,645LOUISIANA HLTH SERV GRP43824 275,12483.42% 0.97% 74.34%$2,141,415,956 1,565,066UPMC HLTH SYSTEM GRP132425 186,61590.36% 0.92% 75.25%$2,101,730,060 1,156,800BCBS OF SC GRP66126 663,70083.26% 0.90% 76.15%$2,062,864,900 440,855HAWAII MEDICAL SERV ASSN4994827 251,64985.90% 0.88% 77.03%$1,914,173,326 386,607BCBS OF MN GRP46128 230,57986.36% 0.82% 77.85%$1,813,401,783 302,350HENRY FORD HLTH SYSTEM GRP131129 153,75889.18% 0.77% 78.62%$1,697,580,357 387,319MEDICAL MUT OF OH GRP73030 199,03879.81% 0.73% 79.35%$1,633,027,000 775,311HEALTHPARTNERS GRP125831 378,40087.95% 0.70% 80.05%$1,632,832,746 22,843,446VISION SERV PLAN GRP118932 42,09780.04% 0.70% 80.75%$1,596,774,323 338,819SPECTRUM HLTH GRP338333 151,04883.61% 0.68% 81.43%

© 2017 National Association of Insurance Commissioners 157

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share for Health

Grand Total for Group Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

$1,534,274,823 293,683TUFTS GRP474234 182,43385.92% 0.66% 82.08%$1,498,304,953 315,200HEALTH NOW NY INC5520435 161,70987.04% 0.64% 82.72%$1,469,744,958 5,013,995DENTEGRA GRP247936 2,262,06673.82% 0.63% 83.35%$1,411,310,035 455,282BCBS OF KC GRP53737 243,56581.06% 0.60% 83.95%$1,386,524,052 431,293CAPITAL BLUE CROSS GRP123038 154,28187.76% 0.59% 84.55%$1,339,204,213 206,574MVP GRP119839 125,18187.82% 0.57% 85.12%$1,300,269,304 304,493BCBS OF AZ INC5358940 141,26883.68% 0.56% 85.68%$1,287,346,664 4,494,236RENAISSANCE HLTH SERV CORP GRP47741 2,513,15284.16% 0.55% 86.23%$1,276,301,303 185,816CDPHP INC GRP470842 100,77785.77% 0.55% 86.77%$1,262,792,544 355,873IHC INC GRP88043 139,57186.86% 0.54% 87.31%$1,249,390,031 249,433BCBS OF NE GRP485844 130,27987.83% 0.53% 87.84%$1,107,296,141 270,942ARKANSAS BCBS GRP87645 182,32086.77% 0.47% 88.32%$1,090,916,877 275,589MISSISSIPPI INS GRP112646 143,77687.48% 0.47% 88.78%

$967,294,558 221,031BCBS OF RI5347347 118,73183.91% 0.41% 89.20%$943,496,390 175,527MEDICA GRP155248 94,92784.59% 0.40% 89.60%$926,605,161 874,389CIGNA HLTH GRP90149 94,45383.62% 0.40% 90.00%$904,710,953 135,356CARLE HOLDING CO GRP119250 71,03588.81% 0.39% 90.38%$844,804,021 172,520UNIVERSITY HLTH CARE & GUNDERSEN LUT487051 78,00689.43% 0.36% 90.74%$829,282,957 161,314DEAN HLTH GRP129452 75,89882.87% 0.35% 91.10%$783,719,524 222,259BLUE CROSS OF ID GRP129053 104,52085.66% 0.33% 91.43%$750,758,217 166,688PROVIDENCE HLTH GRP478854 97,71689.52% 0.32% 91.75%$718,599,739 137,629INDEPENDENT HLTH ASSN GRP489455 69,55787.87% 0.31% 92.06%$695,311,022 251,457TRIPLE S GRP480256 111,06185.74% 0.30% 92.36%$667,871,499 221,891NORIDIAN MUT INS CO5589157 108,61084.70% 0.29% 92.64%$530,090,751 671,548MAGELLAN HLTH INC GRP126058 460,27687.12% 0.23% 92.87%$522,374,850 97,513GEISINGER INS GRP114359 56,18684.33% 0.22% 93.09%$482,674,659 115,913PACIFICSOURCE HLTH PLAN GRP470460 96,72786.89% 0.21% 93.30%$475,401,308 101,242SANFORD HLTH GRP124661 48,31596.00% 0.20% 93.50%$456,997,413 92,841SENTARA HLTH MGMT GRP118362 59,47986.59% 0.20% 93.70%$450,674,022 1,010,976DELTA DENTAL OF WA4734163 4,76984.27% 0.19% 93.89%$443,888,912 76,212FALLON GRP474164 36,89593.50% 0.19% 94.08%$432,808,511 90,597AVMED INC9526365 59,26085.37% 0.18% 94.27%$419,366,870 72,302SECURITY HLTH PLAN OF WI INC9688166 30,40997.14% 0.18% 94.44%

© 2017 National Association of Insurance Commissioners 158

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share for Health

Grand Total for Group Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

$417,784,195 83,825NEIGHBORHOOD HLTH PLAN INC1110967 44,48081.27% 0.18% 94.62%$407,483,805 77,807BAYSTATE HLTH GRP475668 39,303672.16% 0.17% 94.80%$391,405,822 74,164BCBS OF VT GRP474569 39,44893.34% 0.17% 94.96%$386,240,213 83,622SCOTT & WHITE GRP60070 47,94096.50% 0.17% 95.13%$382,238,727 196,992OREGON DENTAL GRP131371 104,20694.04% 0.16% 95.29%$358,192,813 64,184RENOWN HLTH GRP479172 28,19390.87% 0.15% 95.45%$350,761,387 75,316COMMUNITYCARE GRP348773 7,85985.49% 0.15% 95.60%$348,398,782 64,118AULTMAN HLTH FOUNDATION GRP480574 38,56786.13% 0.15% 95.75%$339,987,486 76,314GROUP HLTH COOP OF S CENTRAL WI9531175 39,69590.92% 0.15% 95.89%$320,144,631 73,620CENTENE CORP GRP129576 46,61989.31% 0.14% 96.03%$302,873,541 56,703WISCONSIN PHYSICIANS SERV INS GRP6877 26,61893.45% 0.13% 96.16%$296,184,129 50,513PRESBYTERIAN HLTHCARE SERV GRP48178 32,58086.04% 0.13% 96.28%$279,756,094 51,851NETWORK HLTH GRP267879 22,47785.94% 0.12% 96.40%$274,275,955 37,732UNIVERSITY HLTH ALLIANCE4795380 39,36985.81% 0.12% 96.52%$261,436,833 583,851DENTAQUEST GRP451281 3,79876.32% 0.11% 96.63%$246,738,489 50,702BCBS OF WY5376782 26,53086.44% 0.11% 96.74%$244,598,672 678,785CORVESTA GRP472983 357,31079.95% 0.10% 96.84%$233,777,559 84,108NORTH SHORE LIJ HLTH CARE GRP479384 52,333120.91% 0.10% 96.94%$212,657,715 43,040PHYSICIANS PLUS INS CORP9534185 21,47087.07% 0.09% 97.03%$205,527,561 38,433PHYSICIANS HLTH PLAN OF MID MI GRP340886 15,41185.58% 0.09% 97.12%$199,257,545 67,350FIRSTCARE GRP354987 28,00092.59% 0.09% 97.21%$196,953,586 518,255DELTA DENTAL OF WI GRP384988 235,38983.45% 0.08% 97.29%$192,423,845 630,897DELTA DENTAL PLAN OF MO GRP368089 359,89778.28% 0.08% 97.37%$184,108,098 40,638HAWAII MGMT ALLIANCE ASSN4833090 2,63181.38% 0.08% 97.45%$179,509,555 29,010ROCKY MOUNTAIN HLTH GRP118491 16,56285.23% 0.08% 97.53%$174,338,113 34,045GLOBALHEALTH INC1366792 18,88684.85% 0.07% 97.60%$174,225,940 694,929GUARDIAN LIFE GRP42993 245,11965.26% 0.07% 97.68%$169,536,876 31,732SUMMA HLTH GRP325994 17,46583.02% 0.07% 97.75%$168,329,266 37,376HEALTH PLAN GRP129795 17,95399.32% 0.07% 97.82%$158,427,558 39,139PREFERREDONE GRP349296 22,53390.20% 0.07% 97.89%$157,236,002 31,883PHP INDIANA GRP382897 17,99978.44% 0.07% 97.96%$156,767,321 439,626DELTA DENTAL OF OK5393798 00.00% 0.07% 98.02%$154,184,734 30,651VANGUARD HLTH VENTURES GRP121299 17,01584.03% 0.07% 98.09%

© 2017 National Association of Insurance Commissioners 159

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share for Health

Grand Total for Group Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

$148,842,764 31,723SAINT MARYS HLTH CARE CORP GRP2418100 19,61690.96% 0.06% 98.15%$147,833,515 402,090DELTA DENTAL OF MN55034101 11,26671.82% 0.06% 98.22%$134,889,414 59,914BAPTIST HLTH PLAN INC95071102 098.99% 0.06% 98.27%$130,930,813 321,751NORTHEAST DELTA DENTAL GRP4763103 151,70675.83% 0.06% 98.33%$127,590,558 430,470COLORADO DENTAL SERV INC55875104 269,04476.00% 0.05% 98.38%$125,404,879 330,364DELTA DENTAL OF RI GRP1571105 5,95076.17% 0.05% 98.44%$121,803,331 3,463AHF GRP4833106 2100.75% 0.05% 98.49%$117,996,881 288,707WILLAMETTE DENTAL GRP3503107 126,58390.81% 0.05% 98.54%$116,207,430 454,111DELTA DENTAL PLAN OF AR INC47155108 239,81575.29% 0.05% 98.59%$115,671,589 27,640TOTAL HLTH GRP1238109 16,96578.03% 0.05% 98.64%$113,081,036 2,960HEALTHSPAN PARTNERS GRP4831110 4582.21% 0.05% 98.69%$107,327,522 87,787EXPRESS SCRIPTS HOLDING GRP4813111 87,787145.91% 0.05% 98.73%$107,068,130 28,291VIVA HLTH INC95322112 14,56787.71% 0.05% 98.78%$105,584,256 15,990SOUTH DAKOTA STATE MED HOLDING CO96598113 93192.39% 0.05% 98.82%$101,370,438 24,819COX INS GRP1203114 14,94791.58% 0.04% 98.87%

$99,543,470 33,518CATHOLIC HLTH INITIATIVES GRP4807115 22,26181.82% 0.04% 98.91%$97,495,129 19,518HEALTH FIRST GRP4740116 12,26380.50% 0.04% 98.95%$94,662,559 25,042MCLAREN HLTH GRP4700117 11,07990.77% 0.04% 98.99%$92,966,852 16,791VANTAGE HLTH GRP4783118 8,62280.94% 0.04% 99.03%$90,558,243 32,978TAKECARE INS CO INC11093119 14,76295.88% 0.04% 99.07%$86,005,516 17,507HEALTH TRADITION HLTH PLAN96628120 37887.20% 0.04% 99.11%$84,638,944 16,001MAINE COMM HLTH OPTIONS15077121 9,80692.60% 0.04% 99.14%$84,629,008 17,116MEDICAL ASSOCIATES GRP4811122 7,59290.92% 0.04% 99.18%$81,591,914 246,829DELTA DENTAL OF KS GRP4638123 137,57679.35% 0.03% 99.21%$81,085,785 12,033PIEDMONT COMM HLTH GRP4845124 9,18094.84% 0.03% 99.25%$76,589,111 19,963NEW MEXICO HLTH CONNECTIONS15011125 17,51873.38% 0.03% 99.28%

$233,998,712,328 107,420,489GRAND TOTAL 41,782,61585.19% 100.00%

© 2017 National Association of Insurance Commissioners 160

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share for Property/Casualty

Grand Total for Group Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

$782,867,213 70,728AMERICAN INTL GRP121 24,38159.97% 22.96% 22.96%$535,635,029 22,750,237CHUBB LTD GRP6262 9,26549.12% 15.71% 38.67%$486,387,385 128,499FEDERATED MUT GRP73 74,38188.99% 14.27% 52.94%$269,896,482 198,216STATE FARM GRP1764 73,896105.18% 7.92% 60.85%$176,751,307 7,596,577ZURICH INS GRP2125 6,439,25734.84% 5.18% 66.04%$166,581,798 207,207CNA INS GRP2186 207,127164.67% 4.89% 70.92%$135,248,275 2,749,212TOKIO MARINE HOLDINGS INC GRP30987 2,581839.22% 3.97% 74.89%$119,055,971 1,275,770BCS INS GRP238 1,242,45745.66% 3.49% 78.38%$106,142,740 3,222,248FAIRFAX FIN GRP1589 51,57554.10% 3.11% 81.50%$102,742,593 0WHITE MOUNTAINS GRP112910 031.03% 3.01% 84.51%

$72,981,743 47,973,595AMEX ASSUR CO2792811 31,985,97110.70% 2.14% 86.65%$68,291,131 444,384ARCH INS GRP127912 213,62068.96% 2.00% 88.65%$59,284,726 3,850,082AXIS CAPITAL GRP341613 11,99141.63% 1.74% 90.39%$50,322,447 37,301AMERICAN FINANCIAL GRP8414 1,43315.05% 1.48% 91.87%$45,493,655 12,442CHEROKEE INS CO1064215 13693.05% 1.33% 93.20%$28,565,605 42,756GENEVE HOLDINGS INC GRP45016 40,81158.61% 0.84% 94.04%$28,431,155 14,439ISLAND HOME INS CO3165817 73869.63% 0.83% 94.87%$26,503,904 910,886XL AMER GRP128518 905,25963.06% 0.78% 95.65%$21,910,522 2,508,342MARKEL CORP GRP78519 17,90017.08% 0.64% 96.29%$18,928,852 19,407BEAZLEY INS CO INC3754020 9,98938.99% 0.56% 96.85%$18,780,120 1,271,568STARR GRP467021 2,53729.60% 0.55% 97.40%$14,460,807 0BALDWIN & LYONS GRP86722 052.62% 0.42% 97.82%$11,965,560 119,223SENTRY INS GRP16923 119,223152.09% 0.35% 98.17%$11,002,347 663,749AEGIS GRP31324 3,98837.93% 0.32% 98.50%$10,100,054 289,852ALLIANZ INS GRP76125 181,39744.82% 0.30% 98.79%

$6,238,131 129,785BERKSHIRE HATHAWAY GRP3126 21,39352.83% 0.18% 98.98%$6,164,078 13,757AMTRUST NGH GRP253827 10,12016.08% 0.18% 99.16%$5,676,486 51,195NATIONWIDE CORP GRP14028 49,48565.10% 0.17% 99.32%$5,492,670 16,846HALLMARK FIN SERV GRP347829 47026.12% 0.16% 99.48%$4,768,370 552,002LIBERTY MUT GRP11130 32390.55% 0.14% 99.62%$3,484,559 0TENNESSEE FARMERS GRP69431 1,528,36812.34% 0.10% 99.73%$3,349,893 736UPMC HLTH SYSTEM GRP132432 73697.11% 0.10% 99.83%$2,966,950 2,108MUNICH RE GRP36133 1,62826.42% 0.09% 100.00%

© 2017 National Association of Insurance Commissioners 161

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share for Property/Casualty

Grand Total for Group Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

$756,310 876,785TEXAS FARM BUREAU MUT GRP80934 461,86346.58% 0.02% 100.00%$513,731 1,183RETAILERS INS CO1247135 20975.27% 0.02% 100.00%$374,707 53,456ALLEGHANY GRP50136 34732.37% 0.01% 100.00%$311,534 4,532ASSURANT INC GRP1937 4,532(4.62)% 0.01% 100.00%$217,395 955FARMERS INS GRP6938 2238.10% 0.01% 100.00%$184,150 1,723KERNAN GRP338439 6107.34% 0.01% 100.00%$152,320 2,000CENTURY CAS CO1091740 10.00% 0.00% 100.00%$143,410 127AEGON US HOLDING GRP46841 1215.30% 0.00% 100.00%$129,626 0MAPFRE INS GRP41142 0129.48% 0.00% 100.00%

$56,277 23,551CHINA MINSHENG GRP486343 23,5510.00% 0.00% 100.00%$54,439 0UNDERWRITERS AT LLOYD'S LONDON1564244 00.00% 0.00% 100.00%$43,124 0OKLAHOMA FARM BUREAU GRP22045 168.18% 0.00% 100.00%$36,268 0UNDERWRITERS AT LLOYDS3272746 0(18,416.65)% 0.00% 100.00%$14,573 18DAILY UNDERWRITERS OF AMER3548347 1837.74% 0.00% 100.00%

$6,076 2THE HANOVER INS GRP8848 234.56% 0.00% 100.00%$400 0AMALGAMATED CAS INS CO1329349 40.00% 0.00% 100.00%

$83 0AMERIPRISE FIN GRP450 00.00% 0.00% 100.00%

$3,409,463,825 98,087,487GRAND TOTAL 43,723,11996.89% 100.00%

© 2017 National Association of Insurance Commissioners 162

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share for Fraternal

Grand Total for Group Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

$0 0WOODMEN WORLD LIFE INS SOC573201 0N/A

$0 0GRAND TOTAL 0N/A 100.00%

© 2017 National Association of Insurance Commissioners 163

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© 2017 National Association of Insurance Commissioners 164

Market Share by Line of BusinessGroup Business

© 2017 National Association of Insurance Commissioners 165

Page Intentionally Left Blank

© 2017 National Association of Insurance Commissioners 166

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Small Employer Comprehensive Major Medical

$12,404,607,105 2,453,114UNITEDHEALTH GRP7071 1,366,52576.92% 20.30% 20.30%$5,862,664,099 1,117,259HCSC GRP9172 642,55481.53% 9.59% 29.90%$4,580,557,545 789,065AETNA GRP13 445,83983.34% 7.50% 37.39%$4,207,954,988 761,576ANTHEM INC GRP6714 426,10375.08% 6.89% 44.28%$2,106,416,288 734,816HUMANA GRP1195 437,83477.94% 3.45% 47.73%$1,625,788,682 373,706CAREFIRST INC GRP3806 205,11372.21% 2.66% 50.39%$1,463,214,001 246,318INDEPENDENCE HLTH GRP INC GRP9367 136,09677.61% 2.39% 52.78%$1,431,413,665 224,970BCBS OF NJ GRP12028 122,78278.92% 2.34% 55.13%$1,305,428,311 261,983BCBS OF MI GRP5729 128,19874.84% 2.14% 57.26%$1,248,343,869 228,166GUIDEWELL MUT HOLDING GRP53610 141,64071.37% 2.04% 59.30%$1,153,241,906 213,308BCBS OF MA GRP363711 103,70879.90% 1.89% 61.19%$1,137,958,078 224,407BCBS OF AL GRP57012 122,10285.55% 1.86% 63.05%$1,050,282,115 172,635HIGHMARK GRP81213 95,20080.65% 1.72% 64.77%$1,008,694,561 167,889HARVARD PILGRIM HLTH CARE GRP59514 87,18487.47% 1.65% 66.42%

$998,617,803 195,514LIFETIME HLTHCARE GRP118615 106,48485.27% 1.63% 68.06%$847,480,744 144,255BCBS OF NC GRP75816 91,89076.78% 1.39% 69.45%$805,116,253 112,116CENTENE CORP GRP129517 64,98888.53% 1.32% 70.76%$787,607,040 182,106BCBS OF TN GRP349818 101,69575.89% 1.29% 72.05%$757,877,939 182,056WELLMARK INC GRP77019 94,02684.43% 1.24% 73.29%$712,365,140 217,998LOUISIANA HLTH SERV GRP43820 127,88981.98% 1.17% 74.46%$672,747,683 150,323CAMBIA HEALTH SOLUTIONS INC120721 85,23179.24% 1.10% 75.56%$659,783,864 151,630KAISER FOUNDATION GRP60122 102,03384.11% 1.08% 76.64%$559,869,016 110,017BCBS OF MN GRP46123 61,49987.44% 0.92% 77.56%$535,189,531 122,492CAPITAL BLUE CROSS GRP123024 70,71588.02% 0.88% 78.43%$534,669,000 116,004HEALTHPARTNERS GRP125825 61,14788.67% 0.88% 79.31%$504,661,082 125,289BCBS OF SC GRP66126 79,21780.51% 0.83% 80.13%$503,514,554 95,027MEDICAL MUT OF OH GRP73027 49,46677.48% 0.82% 80.96%$489,056,198 83,967PREMERA BLUE CROSS GRP96228 54,27380.37% 0.80% 81.76%$476,497,088 128,712IHC INC GRP88029 45,52686.43% 0.78% 82.54%$429,434,870 82,612FEDERATED MUT GRP730 49,23189.89% 0.70% 83.24%$418,923,283 93,806SPECTRUM HLTH GRP338331 43,39077.91% 0.69% 83.93%$383,689,256 101,327BCBS OF KS GRP43032 52,58096.10% 0.63% 84.55%$374,590,983 88,902HEALTH NOW NY INC5520433 48,75291.81% 0.61% 85.17%

© 2017 National Association of Insurance Commissioners 167

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Small Employer Comprehensive Major Medical

$365,470,048 67,371EMBLEM HLTH GRP112734 39,87990.26% 0.60% 85.76%$342,324,701 67,647MVP GRP119835 36,76488.99% 0.56% 86.32%$329,256,221 75,431MISSISSIPPI INS GRP112636 47,77985.55% 0.54% 86.86%$313,673,354 62,846TUFTS GRP474237 29,39085.61% 0.51% 87.38%$312,007,114 42,791CDPHP INC GRP470838 24,36891.00% 0.51% 87.89%$284,105,671 47,290BCBS OF RI5347339 25,16780.11% 0.46% 88.35%$280,420,940 131,430MEDICAL CARD SYSTEM INC GRP130140 59,25884.17% 0.46% 88.81%$278,232,825 55,825NEIGHBORHOOD HLTH PLAN INC1110941 29,28978.08% 0.46% 89.27%$271,005,500 60,580ARKANSAS BCBS GRP87642 36,05282.05% 0.44% 89.71%$270,839,823 55,352NORIDIAN MUT INS CO5589143 28,34786.83% 0.44% 90.15%$235,976,543 57,627PROVIDENCE HLTH GRP478844 36,72987.63% 0.39% 90.54%$235,414,411 52,403AVMED INC9526345 36,06382.25% 0.39% 90.92%$216,383,802 48,372BCBS OF AZ INC5358946 26,91976.88% 0.35% 91.28%$213,189,450 42,372BCBS OF VT GRP474547 23,48996.55% 0.35% 91.63%$210,807,657 38,898BCBS OF KC GRP53748 22,85076.67% 0.35% 91.97%$208,383,547 77,592NORTH SHORE LIJ HLTH CARE GRP479349 48,297125.25% 0.34% 92.31%$189,753,779 39,377AULTMAN HLTH FOUNDATION GRP480550 16,40579.91% 0.31% 92.62%$187,985,767 45,164INDEPENDENT HLTH ASSN GRP489451 24,04192.05% 0.31% 92.93%$183,256,794 34,427SENTARA HLTH MGMT GRP118352 21,69281.19% 0.30% 93.23%$181,415,982 29,917GEISINGER INS GRP114353 18,18182.22% 0.30% 93.53%$169,424,754 32,645HENRY FORD HLTH SYSTEM GRP131154 16,18078.13% 0.28% 93.81%$160,287,194 33,560BLUE CROSS OF ID GRP129055 17,88476.65% 0.26% 94.07%$158,757,048 42,343BCBS OF NE GRP485856 21,87892.61% 0.26% 94.33%$143,042,403 46,258TRIPLE S GRP480257 22,34479.04% 0.23% 94.56%$140,252,097 24,606MEDICA GRP155258 14,43782.27% 0.23% 94.79%$134,102,062 24,765SUMMA HLTH GRP325959 14,12882.27% 0.22% 95.01%$133,129,848 42,000TOKIO MARINE HOLDINGS INC GRP309860 434853.46% 0.22% 95.23%$122,874,438 19,053ROCKY MOUNTAIN HLTH GRP118461 11,38185.38% 0.20% 95.43%$115,765,652 23,723PACIFICSOURCE HLTH PLAN GRP470462 14,42596.10% 0.19% 95.62%$106,774,904 38,151GROUP HLTH COOP GRP118563 26,86185.40% 0.17% 95.79%$104,304,255 20,016BAYSTATE HLTH GRP475664 10,78175.47% 0.17% 95.97%

$99,019,042 14,457FALLON GRP474165 8,10590.75% 0.16% 96.13%$97,969,270 16,859BCBS OF WY5376766 9,73280.62% 0.16% 96.29%

© 2017 National Association of Insurance Commissioners 168

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Small Employer Comprehensive Major Medical

$94,955,651 15,478OREGON DENTAL GRP131367 10,06699.04% 0.16% 96.44%$92,843,179 23,915UNIVERSITY HLTH ALLIANCE4795368 16,93683.07% 0.15% 96.60%$91,111,395 53,456BLUE SHIELD OF CA GRP279869 34,48887.08% 0.15% 96.74%$89,623,500 18,689UNIVERSITY HLTH CARE & GUNDERSEN LUT487070 9,77686.98% 0.15% 96.89%$86,869,693 22,538COMMUNITYCARE GRP348771 4,22892.64% 0.14% 97.03%$81,438,932 17,955PRESBYTERIAN HLTHCARE SERV GRP48172 14,10689.25% 0.13% 97.17%$80,587,054 15,035MAINE COMM HLTH OPTIONS1507773 9,24691.15% 0.13% 97.30%$78,706,066 15,412WISCONSIN PHYSICIANS SERV INS GRP6874 7,80884.45% 0.13% 97.43%$76,635,063 15,319CARLE HOLDING CO GRP119275 9,49885.58% 0.13% 97.55%$70,647,098 15,428HAWAII MGMT ALLIANCE ASSN4833076 2,34982.59% 0.12% 97.67%$70,565,956 13,319PHP INDIANA GRP382877 7,58174.74% 0.12% 97.78%$69,387,170 17,790PREFERREDONE GRP349278 9,96694.62% 0.11% 97.90%$65,085,443 20,231CATHOLIC HLTH INITIATIVES GRP480779 13,32175.11% 0.11% 98.00%$61,335,955 11,198SECURITY HLTH PLAN OF WI INC9688180 5,49689.93% 0.10% 98.10%$60,796,625 18,978SCOTT & WHITE GRP60081 11,918117.15% 0.10% 98.20%$58,779,953 13,621SAINT MARYS HLTH CARE CORP GRP241882 8,47389.05% 0.10% 98.30%$57,572,805 14,820NEW MEXICO HLTH CONNECTIONS1501183 12,95883.31% 0.09% 98.39%$54,213,341 6,499SOUTH DAKOTA STATE MED HOLDING CO9659884 83092.45% 0.09% 98.48%$53,753,533 11,395DEAN HLTH GRP129485 5,33287.49% 0.09% 98.57%$52,347,499 10,918VANGUARD HLTH VENTURES GRP121286 6,05588.97% 0.09% 98.66%$47,346,743 9,076PHYSICIANS PLUS INS CORP9534187 4,64686.92% 0.08% 98.73%$46,675,018 8,651NETWORK HLTH GRP267888 4,27985.94% 0.08% 98.81%$43,566,294 8,875HEALTH FIRST GRP474089 5,92279.34% 0.07% 98.88%$39,892,281 9,664GROUP HLTH COOP OF S CENTRAL WI9531190 5,30282.58% 0.07% 98.95%$39,612,940 10,257RENOWN HLTH GRP479191 76573.04% 0.06% 99.01%$38,598,902 7,732SANFORD HLTH GRP124692 4,33992.94% 0.06% 99.07%$32,757,711 6,785PHYSICIANS HLTH PLAN OF MID MI GRP340893 3,33478.60% 0.05% 99.13%$32,396,404 7,371TOTAL HLTH GRP123894 4,52463.98% 0.05% 99.18%$30,592,138 2,176MEMORIAL HERMANN GRP480895 8,860113.71% 0.05% 99.23%$24,892,680 3,753SOUTHEASTERN IN HLTH ORG INC9581296 2,36380.05% 0.04% 99.27%$23,976,899 5,062US HLTH & LIFE INS CO INC9777297 40674.64% 0.04% 99.31%$23,571,467 10,783FIRSTCARE GRP354998 3,84498.30% 0.04% 99.35%$23,560,554 3,899ALLIANT HLTH PLANS INC1125699 1,78668.47% 0.04% 99.39%

© 2017 National Association of Insurance Commissioners 169

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Small Employer Comprehensive Major Medical

$23,108,711 4,874BAPTIST HLTH PLAN INC95071100 091.38% 0.04% 99.43%$22,493,021 4,496HEALTH PLAN GRP1297101 2,575100.93% 0.04% 99.46%$22,215,991 2,976PEKIN INS GRP153102 1,82152.96% 0.04% 99.50%$20,864,511 4,909AVERA HLTH PLANS INC95839103 42196.67% 0.03% 99.53%$17,812,195 3,796MEDICAL ASSOCIATES GRP4811104 1,68293.89% 0.03% 99.56%$16,373,991 3,475COLORADO CHOICE HLTH PLAN95774105 2,34698.62% 0.03% 99.59%$15,671,071 2,456MCLAREN HLTH GRP4700106 1,29367.68% 0.03% 99.62%$15,449,622 1,836ADVANTAGE HLTH SOLUTIONS INC52568107 997107.29% 0.03% 99.64%$14,517,667 3,434COX INS GRP1203108 2,18591.39% 0.02% 99.66%$13,890,233 2,410FIRSTCAROLINACARE INS CO INC12962109 1,65098.21% 0.02% 99.69%$13,845,682 7,545ISLAND HOME INS CO31658110 57674.89% 0.02% 99.71%$12,821,431 3,833NETCARE LIFE & HLTH INS CO60246111 16081.44% 0.02% 99.73%$12,155,507 2,675VIVA HLTH INC95322112 1,57674.46% 0.02% 99.75%$11,913,338 3,172HEALTH TRADITION HLTH PLAN96628113 28598.67% 0.02% 99.77%$11,330,270 3,347TAKECARE INS CO INC11093114 1,66977.94% 0.02% 99.79%$11,314,996 5,917LIBERTY UNION LIFE ASSUR CO66753115 2,852107.04% 0.02% 99.81%$10,918,902 2,262COMMON GROUND HLTHCARE COOP15061116 22481.20% 0.02% 99.83%

$9,832,131 4,719CRYSTAL RUN HLTH GRP4847117 2,876118.46% 0.02% 99.84%$9,746,118 2,016NIPPON LIFE INS CO OF AMER81264118 1,297114.91% 0.02% 99.86%$9,419,013 1,838AMTRUST NGH GRP2538119 874101.56% 0.02% 99.87%$9,358,044 1,755WMI MUT INS CO68420120 982109.99% 0.02% 99.89%$8,927,077 1,819MERCY HLTH CORP GRP3595121 989107.02% 0.01% 100.00%$7,587,199 0HEALTHSPAN PARTNERS GRP4831122 0124.08% 0.01% 100.00%$6,701,588 0ASSURANT INC GRP19123 077.46% 0.01% 100.00%$6,541,113 669TENET HEALTHCARE CORP GRP4759124 66986.95% 0.01% 100.00%$6,325,107 1,339GROUP HLTH COOP OF EAU CLAIRE95192125 69683.27% 0.01% 100.00%

$61,102,073,309 12,499,324GRAND TOTAL 6,957,68882.34% 100.00%

© 2017 National Association of Insurance Commissioners 170

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Other Employer Comprehensive Major Medical

$20,697,043,523 4,312,722UNITEDHEALTH GRP7071 2,361,77180.21% 16.45% 16.45%$12,692,047,956 2,678,516AETNA GRP12 1,486,19080.95% 10.09% 26.54%

$9,380,927,267 1,771,370ANTHEM INC GRP6713 1,001,45281.47% 7.46% 34.00%$8,693,699,617 1,686,058HCSC GRP9174 885,47083.48% 6.91% 40.91%$6,831,508,823 2,223,689CIGNA HLTH GRP9015 40,26180.60% 5.43% 46.34%$5,916,691,441 1,179,712KAISER FOUNDATION GRP6016 632,22288.53% 4.70% 51.04%$4,257,661,631 839,097BCBS OF MI GRP5727 372,11381.81% 3.38% 54.43%$3,318,599,746 570,948BCBS OF MA GRP36378 267,39185.95% 2.64% 57.06%$2,846,926,803 637,334GUIDEWELL MUT HOLDING GRP5369 398,01176.68% 2.26% 59.33%$2,728,697,797 379,311BCBS OF NJ GRP120210 175,90687.27% 2.17% 61.49%$2,346,670,745 366,323EMBLEM HLTH GRP112711 176,45588.86% 1.87% 63.36%$2,253,825,518 343,325LIFETIME HLTHCARE GRP118612 167,37884.53% 1.79% 65.15%$2,206,190,149 388,112HIGHMARK GRP81213 204,13484.64% 1.75% 66.91%$2,189,843,298 333,976INDEPENDENCE HLTH GRP INC GRP93614 178,22979.81% 1.74% 68.65%$2,096,946,760 573,996HUMANA GRP11915 350,66784.80% 1.67% 70.31%$1,626,380,026 313,773CAREFIRST INC GRP38016 173,17074.99% 1.29% 71.61%$1,497,171,010 259,482HARVARD PILGRIM HLTH CARE GRP59517 130,53185.68% 1.19% 72.80%$1,462,600,652 272,438GROUP HLTH COOP GRP118518 163,50983.32% 1.16% 73.96%$1,384,469,505 327,983BCBS OF AL GRP57019 171,52389.60% 1.10% 75.06%$1,365,947,590 275,489CAMBIA HEALTH SOLUTIONS INC120720 151,07676.86% 1.09% 76.14%$1,133,984,453 218,479HENRY FORD HLTH SYSTEM GRP131121 95,09489.80% 0.90% 77.05%$1,083,735,500 227,894WELLMARK INC GRP77022 120,46883.18% 0.86% 77.91%$1,041,931,201 197,376HEALTH NOW NY INC5520423 98,49185.54% 0.83% 78.74%$1,023,011,174 227,241SPECTRUM HLTH GRP338324 96,94985.41% 0.81% 79.55%$1,020,142,916 235,871BCBS OF TN GRP349825 131,71975.97% 0.81% 80.36%

$974,698,000 324,956HEALTHPARTNERS GRP125826 156,96085.78% 0.77% 81.13%$928,288,073 226,061BCBS OF SC GRP66127 137,24080.41% 0.74% 81.87%$918,488,801 101,987LOUISIANA HLTH SERV GRP43828 59,23281.93% 0.73% 82.60%$885,656,146 152,698TUFTS GRP474229 74,90484.63% 0.70% 83.31%$861,384,880 327,505BCBS OF KC GRP53730 174,96978.55% 0.68% 83.99%$803,244,293 150,921MEDICA GRP155231 80,49084.99% 0.64% 84.63%$793,681,383 114,917CARLE HOLDING CO GRP119232 58,55788.78% 0.63% 85.26%$755,180,521 153,831UNIVERSITY HLTH CARE & GUNDERSEN LUT487033 68,23089.72% 0.60% 85.86%

© 2017 National Association of Insurance Commissioners 171

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Other Employer Comprehensive Major Medical

$744,534,100 146,199DEAN HLTH GRP129434 68,41282.26% 0.59% 86.45%$742,157,573 161,176PREMERA BLUE CROSS GRP96235 95,44584.15% 0.59% 87.04%$723,027,006 119,287CDPHP INC GRP470836 56,90484.85% 0.57% 87.62%$709,974,954 180,560IHC INC GRP88037 75,91286.65% 0.56% 88.18%$658,615,400 135,525BCBS OF MN GRP46138 75,83484.37% 0.52% 88.71%$539,589,299 89,514ARKANSAS BCBS GRP87639 81,35689.23% 0.43% 89.13%$517,921,632 88,279MVP GRP119840 47,25984.33% 0.41% 89.55%$515,753,679 90,376BCBS OF KS GRP43041 51,43979.22% 0.41% 89.96%$496,786,593 103,589BCBS OF AZ INC5358942 59,19879.93% 0.39% 90.35%$465,549,389 98,806BLUE CROSS OF ID GRP129043 46,41387.90% 0.37% 90.72%$458,722,468 82,810BCBS OF RI5347344 41,29585.17% 0.36% 91.09%$446,765,898 80,259INDEPENDENT HLTH ASSN GRP489445 38,35886.66% 0.36% 91.44%$442,804,610 93,908PROVIDENCE HLTH GRP478846 60,98792.50% 0.35% 91.79%$432,044,471 91,622SANFORD HLTH GRP124647 42,15096.37% 0.34% 92.14%$415,073,101 106,010MISSISSIPPI INS GRP112648 48,08485.62% 0.33% 92.47%$388,710,652 156,209TRIPLE S GRP480249 39,72785.51% 0.31% 92.77%$360,495,782 64,073CENTENE CORP GRP129550 41,99986.65% 0.29% 93.06%$358,030,915 61,104SECURITY HLTH PLAN OF WI INC9688151 24,91398.37% 0.28% 93.35%$344,869,870 61,755FALLON GRP474152 28,79094.29% 0.27% 93.62%$333,866,253 66,617GEISINGER INS GRP114353 37,40485.69% 0.27% 93.89%$322,802,444 67,113CAPITAL BLUE CROSS GRP123054 35,61886.64% 0.26% 94.14%$319,215,480 63,181SCOTT & WHITE GRP60055 35,37592.48% 0.25% 94.40%$303,179,550 57,791BAYSTATE HLTH GRP475656 28,522877.45% 0.24% 94.64%$298,655,941 62,055BCBS OF NE GRP485857 36,87181.05% 0.24% 94.87%$298,078,452 65,155PACIFICSOURCE HLTH PLAN GRP470458 40,52681.70% 0.24% 95.11%$269,970,598 62,368GROUP HLTH COOP OF S CENTRAL WI9531159 32,01990.40% 0.21% 95.33%$265,839,920 45,159STATE FARM GRP17660 16,191105.57% 0.21% 95.54%$263,891,694 52,778COMMUNITYCARE GRP348761 3,63183.13% 0.21% 95.75%$258,229,851 55,542SENTARA HLTH MGMT GRP118362 36,37589.92% 0.21% 95.95%$233,081,076 43,200NETWORK HLTH GRP267863 18,19885.94% 0.19% 96.14%$228,898,350 42,977MEDICAL MUT OF OH GRP73064 21,93783.81% 0.18% 96.32%$214,745,197 32,558PRESBYTERIAN HLTHCARE SERV GRP48165 18,47484.83% 0.17% 96.49%$204,367,635 38,160WISCONSIN PHYSICIANS SERV INS GRP6866 17,28398.29% 0.16% 96.65%

© 2017 National Association of Insurance Commissioners 172

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Other Employer Comprehensive Major Medical

$194,697,291 37,442NORIDIAN MUT INS CO5589167 18,69379.80% 0.15% 96.81%$172,852,671 34,648AVMED INC9526368 21,44588.08% 0.14% 96.94%$172,769,851 31,648PHYSICIANS HLTH PLAN OF MID MI GRP340869 12,07786.91% 0.14% 97.08%$166,287,620 32,588GLOBALHEALTH INC1366770 18,18784.85% 0.13% 97.21%$165,310,972 33,964PHYSICIANS PLUS INS CORP9534171 16,82487.12% 0.13% 97.35%$154,837,130 27,069NIPPON LIFE INS CO OF AMER8126472 14,04088.42% 0.12% 97.47%$151,371,006 26,607RENOWN HLTH GRP479173 10893.32% 0.12% 97.59%$145,836,245 32,880HEALTH PLAN GRP129774 15,37899.07% 0.12% 97.70%$145,461,347 49,879FIRSTCARE GRP354975 19,90792.28% 0.12% 97.82%$139,551,370 28,000NEIGHBORHOOD HLTH PLAN INC1110976 15,19187.61% 0.11% 97.93%$122,496,923 13,817UNIVERSITY HLTH ALLIANCE4795377 22,43391.93% 0.10% 98.03%$111,780,703 55,040BAPTIST HLTH PLAN INC9507178 0100.56% 0.09% 98.12%

$97,553,000 24,900HAWAII MGMT ALLIANCE ASSN4833079 26687.75% 0.08% 98.19%$96,075,590 16,722BCBS OF VT GRP474580 8,56387.75% 0.08% 98.27%$94,912,623 25,616VIVA HLTH INC9532281 12,99189.41% 0.08% 98.35%$90,062,811 18,102SAINT MARYS HLTH CARE CORP GRP241882 11,14392.21% 0.07% 98.42%$89,040,388 21,349PREFERREDONE GRP349283 12,56786.75% 0.07% 98.49%$87,155,397 15,785VANTAGE HLTH GRP478384 8,01180.41% 0.07% 98.56%$86,852,771 21,385COX INS GRP120385 12,76291.61% 0.07% 98.63%$86,653,815 18,564PHP INDIANA GRP382886 10,41881.44% 0.07% 98.70%$85,599,441 18,100VANGUARD HLTH VENTURES GRP121287 9,35280.71% 0.07% 98.76%$83,275,185 20,269TOTAL HLTH GRP123888 12,44183.50% 0.07% 98.83%$79,227,973 29,631TAKECARE INS CO INC1109389 13,09398.45% 0.06% 98.89%$78,991,489 22,586MCLAREN HLTH GRP470090 9,78695.35% 0.06% 98.96%$74,092,178 14,335HEALTH TRADITION HLTH PLAN9662891 9385.36% 0.06% 99.02%$73,453,978 15,565DENVER HLTH MEDICAL PLAN INC9575092 1089.76% 0.06% 99.07%$72,089,198 0HEALTHSPAN PARTNERS GRP483193 083.33% 0.06% 99.13%$66,816,813 13,320MEDICAL ASSOCIATES GRP481194 5,91090.13% 0.05% 99.18%$57,343,976 5,741ADVANTAGE HLTH SOLUTIONS INC5256895 3,16492.75% 0.05% 99.23%$56,635,117 9,957ROCKY MOUNTAIN HLTH GRP118496 5,18184.92% 0.05% 99.27%$54,486,467 12,836AVERA HLTH PLANS INC9583997 19096.45% 0.04% 99.32%$51,370,915 9,491SOUTH DAKOTA STATE MED HOLDING CO9659898 10192.32% 0.04% 99.36%$50,318,794 10,955FIRSTCAROLINACARE INS CO INC1296299 7,43991.19% 0.04% 99.40%

© 2017 National Association of Insurance Commissioners 173

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Other Employer Comprehensive Major Medical

$47,327,124 11,123FEDERATED MUT GRP7100 6,08883.69% 0.04% 99.44%$43,897,352 7,691BCBS OF WY53767101 3,60486.12% 0.03% 99.47%$41,912,448 12,463TENET HEALTHCARE CORP GRP4759102 12,46376.89% 0.03% 99.50%$38,879,525 5,924GROUP HLTH COOP OF EAU CLAIRE95192103 2,44899.90% 0.03% 99.54%$37,823,038 7,574MEMORIAL HERMANN GRP4808104 8,51883.40% 0.03% 99.57%$37,006,504 9,364MERCY HLTH CORP GRP3595105 4,05488.78% 0.03% 99.59%$35,050,628 7,295AMTRUST NGH GRP2538106 3,468121.21% 0.03% 99.62%$34,457,581 5,966SUMMA HLTH GRP3259107 2,33686.11% 0.03% 99.65%$32,938,230 6,406ALLIANT HLTH PLANS INC11256108 3,80968.79% 0.03% 99.68%$31,573,422 12,637CATHOLIC HLTH INITIATIVES GRP4807109 8,66295.26% 0.03% 99.70%$30,510,542 10,470METROPOLITAN GRP241110 8564.63% 0.02% 99.73%$29,660,913 3,941AMERICAN NATL FIN GRP408111 3,09388.60% 0.02% 99.75%$28,289,129 6,442ASSURITY GRP4862112 2,94974.30% 0.02% 99.77%$25,394,012 6,516NORTH SHORE LIJ HLTH CARE GRP4793113 4,03685.37% 0.02% 99.79%$25,387,082 5,861PIEDMONT COMM HLTH GRP4845114 3,413100.89% 0.02% 99.81%$23,027,856 4,973COMMUNITY FIRST GRP2738115 2,69882.08% 0.02% 99.83%$19,016,306 5,143NEW MEXICO HLTH CONNECTIONS15011116 4,56043.32% 0.02% 99.85%$17,354,552 10,184BLUE SHIELD OF CA GRP2798117 6,57087.08% 0.01% 99.86%$16,135,233 4,118PEKIN INS GRP153118 2,312116.07% 0.01% 99.87%$15,088,875 3,871INDIANA UNIVERSITY HLTH GRP4637119 6187.85% 0.01% 99.88%$14,012,237 452BENEFICIAL LIFE GRP615120 18460.65% 0.01% 99.90%$11,771,662 3,485SAMARITAN HLTH PLANS INC12257121 8492.88% 0.01% 100.00%$11,563,098 7,711PAN AMER LIFE GRP525122 4,35488.39% 0.01% 100.00%$11,146,574 3,440COMMUNITY HLTH CHOICE INC95615123 1,66172.13% 0.01% 100.00%$10,501,393 1,793GRAND VALLEY HLTH PLAN INC95453124 98472.61% 0.01% 100.00%$10,009,796 6,683ISLAND HOME INS CO31658125 11165.81% 0.01% 100.00%

$125,805,192,047 26,099,121GRAND TOTAL 12,662,39885.06% 100.00%

© 2017 National Association of Insurance Commissioners 174

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Single Employer Subtotal

$33,101,650,628 6,765,836UNITEDHEALTH GRP7071 3,728,29678.98% 17.71% 17.71%$17,272,605,501 3,467,581AETNA GRP12 1,932,02981.58% 9.24% 26.95%$14,556,363,716 2,803,317HCSC GRP9173 1,528,02482.70% 7.79% 34.74%$13,588,882,256 2,532,946ANTHEM INC GRP6714 1,427,55579.49% 7.27% 42.01%

$6,836,948,441 2,224,493CIGNA HLTH GRP9015 40,35880.62% 3.66% 45.67%$6,576,475,304 1,331,342KAISER FOUNDATION GRP6016 734,25588.09% 3.52% 49.19%$5,563,089,942 1,101,080BCBS OF MI GRP5727 500,31180.18% 2.98% 52.16%$4,471,841,652 784,256BCBS OF MA GRP36378 371,09984.39% 2.39% 54.56%$4,203,363,047 1,308,812HUMANA GRP1199 788,50181.36% 2.25% 56.80%$4,160,111,462 604,281BCBS OF NJ GRP120210 298,68884.40% 2.23% 59.03%$4,095,270,672 865,500GUIDEWELL MUT HOLDING GRP53611 539,65175.06% 2.19% 61.22%$3,653,057,299 580,294INDEPENDENCE HLTH GRP INC GRP93612 314,32578.93% 1.95% 63.18%$3,256,472,264 560,747HIGHMARK GRP81213 299,33483.35% 1.74% 64.92%$3,252,443,321 538,839LIFETIME HLTHCARE GRP118614 273,86284.76% 1.74% 66.66%$3,252,168,708 687,479CAREFIRST INC GRP38015 378,28373.60% 1.74% 68.40%$2,712,140,793 433,694EMBLEM HLTH GRP112716 216,33489.05% 1.45% 69.85%$2,522,427,583 552,390BCBS OF AL GRP57017 293,62587.77% 1.35% 71.20%$2,505,865,571 427,371HARVARD PILGRIM HLTH CARE GRP59518 217,71586.40% 1.34% 72.54%$2,038,695,273 425,812CAMBIA HEALTH SOLUTIONS INC120719 236,30777.65% 1.09% 73.63%$1,841,613,439 409,950WELLMARK INC GRP77020 214,49483.70% 0.99% 74.62%$1,807,749,956 417,977BCBS OF TN GRP349821 233,41475.93% 0.97% 75.58%$1,630,853,941 319,985LOUISIANA HLTH SERV GRP43822 187,12181.96% 0.87% 76.46%$1,569,375,556 310,589GROUP HLTH COOP GRP118523 190,37083.46% 0.84% 77.29%$1,509,367,000 440,960HEALTHPARTNERS GRP125824 218,10786.81% 0.81% 78.10%$1,441,934,457 321,047SPECTRUM HLTH GRP338325 140,33983.23% 0.77% 78.87%$1,432,949,155 351,350BCBS OF SC GRP66126 216,45780.44% 0.77% 79.64%$1,416,522,184 286,278HEALTH NOW NY INC5520427 147,24387.20% 0.76% 80.40%$1,303,409,207 251,124HENRY FORD HLTH SYSTEM GRP131128 111,27488.28% 0.70% 81.10%$1,231,213,771 245,143PREMERA BLUE CROSS GRP96229 149,71882.65% 0.66% 81.75%$1,218,484,416 245,542BCBS OF MN GRP46130 137,33385.78% 0.65% 82.41%$1,199,329,500 215,544TUFTS GRP474231 104,29484.89% 0.64% 83.05%$1,186,472,042 309,272IHC INC GRP88032 121,43886.56% 0.63% 83.68%$1,165,612,035 176,189CENTENE CORP GRP129533 106,98787.95% 0.62% 84.31%

© 2017 National Association of Insurance Commissioners 175

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Single Employer Subtotal

$1,072,192,537 366,403BCBS OF KC GRP53734 197,81978.18% 0.57% 84.88%$1,035,034,120 162,078CDPHP INC GRP470835 81,27286.71% 0.55% 85.43%

$943,496,390 175,527MEDICA GRP155236 94,92784.59% 0.50% 85.94%$899,442,935 191,703BCBS OF KS GRP43037 104,01986.42% 0.48% 86.42%$870,316,446 130,236CARLE HOLDING CO GRP119238 68,05588.50% 0.47% 86.89%$860,246,333 155,926MVP GRP119839 84,02386.19% 0.46% 87.35%$857,991,975 189,605CAPITAL BLUE CROSS GRP123040 106,33387.50% 0.46% 87.80%$847,480,744 144,255BCBS OF NC GRP75841 91,89076.78% 0.45% 88.26%$844,804,021 172,520UNIVERSITY HLTH CARE & GUNDERSEN LUT487042 78,00689.43% 0.45% 88.71%$810,594,799 150,094ARKANSAS BCBS GRP87643 117,40886.83% 0.43% 89.14%$798,287,633 157,594DEAN HLTH GRP129444 73,74482.62% 0.43% 89.57%$744,329,322 181,441MISSISSIPPI INS GRP112645 95,86385.59% 0.40% 89.97%$742,828,139 130,100BCBS OF RI5347346 66,46283.23% 0.40% 90.37%$732,412,904 138,004MEDICAL MUT OF OH GRP73047 71,40379.46% 0.39% 90.76%$713,170,396 151,961BCBS OF AZ INC5358948 86,11779.00% 0.38% 91.14%$678,781,153 151,535PROVIDENCE HLTH GRP478849 97,71690.81% 0.36% 91.50%$634,751,665 125,423INDEPENDENT HLTH ASSN GRP489450 62,39988.25% 0.34% 91.84%$625,836,583 132,366BLUE CROSS OF ID GRP129051 64,29785.02% 0.33% 92.18%$531,753,055 202,467TRIPLE S GRP480252 62,07183.77% 0.28% 92.46%$515,282,235 96,534GEISINGER INS GRP114353 55,58584.47% 0.28% 92.74%$476,761,995 93,735FEDERATED MUT GRP754 55,31989.28% 0.26% 92.99%$470,643,374 99,354SANFORD HLTH GRP124655 46,48996.09% 0.25% 93.24%$465,537,114 92,794NORIDIAN MUT INS CO5589156 47,04083.89% 0.25% 93.49%$457,412,990 104,398BCBS OF NE GRP485857 58,74985.06% 0.24% 93.74%$443,888,912 76,212FALLON GRP474158 36,89593.50% 0.24% 93.98%$441,486,645 89,969SENTARA HLTH MGMT GRP118359 58,06786.29% 0.24% 94.21%$419,366,870 72,302SECURITY HLTH PLAN OF WI INC9688160 30,40997.14% 0.22% 94.44%$417,784,195 83,825NEIGHBORHOOD HLTH PLAN INC1110961 44,48081.27% 0.22% 94.66%$413,844,104 88,878PACIFICSOURCE HLTH PLAN GRP470462 54,95185.73% 0.22% 94.88%$408,267,082 87,051AVMED INC9526363 57,50884.72% 0.22% 95.10%$407,483,805 77,807BAYSTATE HLTH GRP475664 39,303672.16% 0.22% 95.32%$380,012,105 82,159SCOTT & WHITE GRP60065 47,29396.43% 0.20% 95.52%$350,761,387 75,316COMMUNITYCARE GRP348766 7,85985.49% 0.19% 95.71%

© 2017 National Association of Insurance Commissioners 176

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Single Employer Subtotal

$309,862,879 72,032GROUP HLTH COOP OF S CENTRAL WI9531167 37,32189.39% 0.17% 95.87%$309,265,040 59,094BCBS OF VT GRP474568 32,05293.81% 0.17% 96.04%$296,184,129 50,513PRESBYTERIAN HLTHCARE SERV GRP48169 32,58086.04% 0.16% 96.20%$283,073,701 53,572WISCONSIN PHYSICIANS SERV INS GRP6870 25,09194.44% 0.15% 96.35%$280,420,940 131,430MEDICAL CARD SYSTEM INC GRP130171 59,25884.17% 0.15% 96.50%$279,756,094 51,851NETWORK HLTH GRP267872 22,47785.94% 0.15% 96.65%$265,839,920 45,159STATE FARM GRP17673 16,191105.57% 0.14% 96.79%$233,777,559 84,108NORTH SHORE LIJ HLTH CARE GRP479374 52,333120.91% 0.13% 96.92%$215,340,102 37,732UNIVERSITY HLTH ALLIANCE4795375 39,36988.11% 0.12% 97.03%$212,657,715 43,040PHYSICIANS PLUS INS CORP9534176 21,47087.07% 0.11% 97.15%$205,527,561 38,433PHYSICIANS HLTH PLAN OF MID MI GRP340877 15,41185.58% 0.11% 97.26%$190,983,946 36,864RENOWN HLTH GRP479178 87389.11% 0.10% 97.36%$189,753,779 39,377AULTMAN HLTH FOUNDATION GRP480579 16,40579.91% 0.10% 97.46%$179,509,555 29,010ROCKY MOUNTAIN HLTH GRP118480 16,56285.23% 0.10% 97.56%$169,032,814 60,662FIRSTCARE GRP354981 23,75193.12% 0.09% 97.65%$168,559,643 30,731SUMMA HLTH GRP325982 16,46483.05% 0.09% 97.74%$168,329,266 37,376HEALTH PLAN GRP129783 17,95399.32% 0.09% 97.83%$168,200,098 40,328HAWAII MGMT ALLIANCE ASSN4833084 2,61585.59% 0.09% 97.92%$166,574,831 32,654GLOBALHEALTH INC1366785 18,21684.85% 0.09% 98.01%$164,583,248 29,085NIPPON LIFE INS CO OF AMER8126486 15,33789.99% 0.09% 98.09%$158,427,558 39,139PREFERREDONE GRP349287 22,53390.20% 0.08% 98.18%$157,219,771 31,883PHP INDIANA GRP382888 17,99978.43% 0.08% 98.26%$148,842,764 31,723SAINT MARYS HLTH CARE CORP GRP241889 19,61690.96% 0.08% 98.34%$141,866,622 24,550BCBS OF WY5376790 13,33682.32% 0.08% 98.42%$137,946,940 29,018VANGUARD HLTH VENTURES GRP121291 15,40783.85% 0.07% 98.49%$134,889,414 59,914BAPTIST HLTH PLAN INC9507192 098.99% 0.07% 98.56%$133,129,848 42,000TOKIO MARINE HOLDINGS INC GRP309893 434853.46% 0.07% 98.64%$115,671,589 27,640TOTAL HLTH GRP123894 16,96578.03% 0.06% 98.70%$108,465,947 63,640BLUE SHIELD OF CA GRP279895 41,05887.08% 0.06% 98.76%$107,068,130 28,291VIVA HLTH INC9532296 14,56787.71% 0.06% 98.81%$105,584,256 15,990SOUTH DAKOTA STATE MED HOLDING CO9659897 93192.39% 0.06% 98.87%$101,370,438 24,819COX INS GRP120398 14,94791.58% 0.05% 98.92%

$96,658,865 32,868CATHOLIC HLTH INITIATIVES GRP480799 21,98381.70% 0.05% 98.97%

© 2017 National Association of Insurance Commissioners 177

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Single Employer Subtotal

$94,955,651 15,478OREGON DENTAL GRP1313100 10,06699.04% 0.05% 99.03%$94,662,559 25,042MCLAREN HLTH GRP4700101 11,07990.77% 0.05% 99.08%$92,966,852 16,791VANTAGE HLTH GRP4783102 8,62280.94% 0.05% 99.13%$90,558,243 32,978TAKECARE INS CO INC11093103 14,76295.88% 0.05% 99.17%$86,005,516 17,507HEALTH TRADITION HLTH PLAN96628104 37887.20% 0.05% 99.22%$84,638,944 16,001MAINE COMM HLTH OPTIONS15077105 9,80692.60% 0.05% 99.27%$84,629,008 17,116MEDICAL ASSOCIATES GRP4811106 7,59290.92% 0.05% 99.31%$79,676,397 0HEALTHSPAN PARTNERS GRP4831107 087.21% 0.04% 99.35%$76,589,111 19,963NEW MEXICO HLTH CONNECTIONS15011108 17,51873.38% 0.04% 99.39%$75,350,978 17,745AVERA HLTH PLANS INC95839109 61196.51% 0.04% 99.44%$73,453,978 15,565DENVER HLTH MEDICAL PLAN INC95750110 1089.76% 0.04% 99.47%$72,793,598 7,577ADVANTAGE HLTH SOLUTIONS INC52568111 4,16195.84% 0.04% 99.51%$68,415,176 9,750MEMORIAL HERMANN GRP4808112 17,37896.96% 0.04% 99.55%$64,209,027 13,365FIRSTCAROLINACARE INS CO INC12962113 9,08992.71% 0.03% 99.58%$56,498,784 10,305ALLIANT HLTH PLANS INC11256114 5,59568.65% 0.03% 99.61%$48,453,561 13,132TENET HEALTHCARE CORP GRP4759115 13,13278.25% 0.03% 99.64%$45,933,581 11,183MERCY HLTH CORP GRP3595116 5,04392.32% 0.02% 99.67%$45,204,632 7,263GROUP HLTH COOP OF EAU CLAIRE95192117 3,14497.58% 0.02% 99.69%$44,469,641 9,133AMTRUST NGH GRP2538118 4,342117.04% 0.02% 99.71%$43,566,294 8,875HEALTH FIRST GRP4740119 5,92279.34% 0.02% 99.74%$38,351,224 7,094PEKIN INS GRP153120 4,13379.51% 0.02% 99.76%$33,639,019 5,261SOUTHEASTERN IN HLTH ORG INC95812121 3,17987.41% 0.02% 99.77%$30,510,542 10,470METROPOLITAN GRP241122 8564.63% 0.02% 99.79%$29,660,913 3,941AMERICAN NATL FIN GRP408123 3,09388.60% 0.02% 99.81%$29,493,745 6,851PIEDMONT COMM HLTH GRP4845124 3,998102.36% 0.02% 99.82%$28,289,129 6,442ASSURITY GRP4862125 2,94974.30% 0.02% 99.84%

$186,907,265,357 38,598,445GRAND TOTAL 19,620,08684.17% 100.00%

© 2017 National Association of Insurance Commissioners 178

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Multiple Employer Assns and Trusts

$1,493,110,455 307,199ANTHEM INC GRP6711 161,59985.55% 20.04% 20.04%$1,014,760,871 177,572PREMERA BLUE CROSS GRP9622 98,19787.13% 13.62% 33.66%

$915,894,596 180,569MEDICAL MUT OF OH GRP7303 92,43079.71% 12.29% 45.95%$517,188,246 128,648HCSC GRP9174 67,74489.97% 6.94% 52.89%$472,814,397 88,759BCBS OF NE GRP48585 38,72389.90% 6.35% 59.23%$454,712,771 82,964HIGHMARK GRP8126 42,50685.32% 6.10% 65.34%$293,828,053 57,454WELLMARK INC GRP7707 30,56591.17% 3.94% 69.28%$233,416,536 49,296KAISER FOUNDATION GRP6018 21,10885.45% 3.13% 72.41%$232,234,578 33,028GROUP HLTH COOP GRP11859 18,71187.74% 3.12% 75.53%$220,028,158 60,530CAMBIA HEALTH SOLUTIONS INC120710 39,58077.49% 2.95% 78.48%$185,569,929 34,788LOUISIANA HLTH SERV GRP43811 20,50781.46% 2.49% 80.97%$185,399,795 30,054BCBS OF MA GRP363712 12,97688.76% 2.49% 83.46%$158,932,578 50,823BCBS OF KS GRP43013 26,74789.60% 2.13% 85.59%$154,139,066 34,070HUMANA GRP11914 19,60789.39% 2.07% 87.66%$134,779,552 18,271BCBS OF MI GRP57215 8,56289.76% 1.81% 89.47%$116,170,771 21,749GUIDEWELL MUT HOLDING GRP53616 12,89385.82% 1.56% 91.03%$107,349,257 21,999NIPPON LIFE INS CO OF AMER8126417 10,66064.09% 1.44% 92.47%$71,828,485 15,153PROVIDENCE HLTH GRP478818 077.38% 0.96% 93.43%$61,038,044 10,708NORIDIAN MUT INS CO5589119 5,44270.69% 0.82% 94.25%$57,002,978 12,932TIMBER PRODUCTS MANUFACTURERS TRUST1223920 0101.08% 0.76% 95.02%$55,388,670 9,681BCBS OF MN GRP46121 5,21787.14% 0.74% 95.76%$39,311,334 8,554PACIFICSOURCE HLTH PLAN GRP470422 5,44592.01% 0.53% 96.29%$34,921,834 6,581BCBS OF SC GRP66123 4,03886.44% 0.47% 96.76%$30,674,247 7,435IHC INC GRP88024 2,66092.15% 0.41% 97.17%$27,476,816 8,028METROPOLITAN GRP24125 16166.94% 0.37% 97.54%$27,367,343 6,116FIRSTCARE GRP354926 3,97486.96% 0.37% 97.90%$26,231,449 5,565BCBS OF RI5347327 2,25681.02% 0.35% 98.26%$22,846,467 4,670OREGON DENTAL GRP131328 1,99481.72% 0.31% 98.56%$19,119,138 2,921WISCONSIN PHYSICIANS SERV INS GRP6829 1,31779.81% 0.26% 98.82%$18,934,068 6,053CENTENE CORP GRP129530 39678.96% 0.25% 99.07%$18,407,379 2,532PIONEER EDUCATORS HLTH TRUST1261931 088.11% 0.25% 99.32%$15,878,020 2,881WESTERN GROCERS EMPLOYEE BENEFIT TRU1233932 0105.40% 0.21% 99.53%$11,855,708 2,325CARLE HOLDING CO GRP119233 1,29292.74% 0.16% 99.69%

© 2017 National Association of Insurance Commissioners 179

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Multiple Employer Assns and Trusts

$7,011,998 1,664AULTMAN HLTH FOUNDATION GRP480534 1,664112.19% 0.09% 99.79%$5,687,906 0ASSURANT INC GRP1935 076.52% 0.08% 99.86%$4,627,799 543ISMIE GRP235836 27986.01% 0.06% 100.00%$3,212,920 560MISSISSIPPI INS GRP112637 32394.07% 0.04% 100.00%$1,682,093 467BCBS OF AZ INC5358938 14469.78% 0.02% 100.00%

$650,243 0GENEVE HOLDINGS INC GRP45039 0(2.96)% 0.01% 100.00%

$7,451,484,548 1,493,142GRAND TOTAL 759,71785.53% 100.00%

© 2017 National Association of Insurance Commissioners 180

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Other Assoc and Discretionary Trusts

$997,077,547 285,032UNITEDHEALTH GRP7071 150,87876.70% 41.68% 41.68%$751,991,374 159,184HUMANA GRP1192 90,49681.34% 31.44% 73.12%$470,516,361 81,103WEA INS CORP722733 34,12996.07% 19.67% 92.79%

$39,982,824 45,903AMTRUST NGH GRP25384 25,48751.82% 1.67% 94.46%$33,801,450 69,775AMERICAN INTL GRP125 43,61269.42% 1.41% 95.88%$31,480,033 28,789GENEVE HOLDINGS INC GRP4506 19,07146.84% 1.32% 97.19%$29,893,153 6,320BCBS OF NE GRP48587 2,82888.06% 1.25% 98.44%$16,603,641 1ASSURANT INC GRP198 160.19% 0.69% 99.14%$13,758,475 3,212WESTBRIDGE CAPITAL GRP8399 1,57081.43% 0.58% 99.71%

$3,632,201 769AMERICAN NATL FIN GRP40810 411108.97% 0.15% 99.87%$2,100,135 1,850MUNICH RE GRP36111 1,43346.96% 0.09% 100.00%

$760,601 102TRUSTMARK MUT HOLDING CO GRP27612 6768.78% 0.03% 100.00%$388,227 64NEW ERA LIFE GRP52013 3521.83% 0.02% 100.00%

$18,258 6CINCINNATI FIN GRP24414 6296.56% 0.00% 100.00%$16,807 13AEGON US HOLDING GRP46815 9(81.41)% 0.00% 100.00%$10,939 7MUTUAL OF OMAHA GRP26116 7118.22% 0.00% 100.00%

$2,391,964,149 682,130GRAND TOTAL 370,04081.07% 100.00%

© 2017 National Association of Insurance Commissioners 181

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Other Comprehensive Major Medical

$1,674,027,147 374,277HAWAII MEDICAL SERV ASSN499481 218,31685.47% 34.18% 34.18%$1,195,383,751 273,671UPMC HLTH SYSTEM GRP13242 180,55992.08% 24.41% 58.59%$1,171,065,511 240,575BCBS OF NC GRP7583 151,12181.03% 23.91% 82.50%

$288,474,043 66,113EMBLEM HLTH GRP11274 35,86688.31% 5.89% 88.39%$191,807,422 31,143OREGON DENTAL GRP13135 15,19498.26% 3.92% 92.31%$111,495,154 219,458BCS INS GRP236 77,54963.06% 2.28% 94.59%$105,639,522 45,378MAPFRE INS GRP4117 79787.36% 2.16% 96.74%

$53,928,835 10,643HEALTH FIRST GRP47408 6,34181.43% 1.10% 97.85%$40,374,608 9,044CHEROKEE INS CO106429 82100.27% 0.82% 98.67%$25,396,151 15,108MERCY HLTH CORP GRP359510 15,10897.50% 0.52% 99.19%$13,111,815 2,554ANTHEM INC GRP67111 1,39233.71% 0.27% 99.46%$11,851,912 2,030ALLCARE HLTH PLAN INC1225312 2,03090.32% 0.24% 99.70%

$7,146,679 1,425MVP GRP119813 95173.45% 0.15% 99.84%$5,288,795 1,917CDPHP INC GRP470814 1,160130.78% 0.11% 100.00%

$636,899 127AEGON US HOLDING GRP46815 111127.27% 0.01% 100.00%$319,951 64PROTECTIVE LIFE INS GRP45816 64252.90% 0.01% 100.00%$264,000 213HEALTHPARTNERS GRP125817 951,482.58% 0.01% 100.00%$259,218 211ISLAND HOME INS CO3165818 5142.87% 0.01% 100.00%$166,377 0CNO FINANCIAL GRP23319 2043.72% 0.00% 100.00%$136,325 0METROPOLITAN GRP24120 0(648.36)% 0.00% 100.00%

$98,078 24GOLDMAN SACHS GRP389121 20388.97% 0.00% 100.00%$94,002 25WILTON RE GRP421322 25145.37% 0.00% 100.00%$81,070 19NESTLE SA GRP448323 2400.74% 0.00% 100.00%$77,598 452PHYSICIANS MUT GRP36724 34360.33% 0.00% 100.00%$54,918 36PRIMERICA GRP475025 36(18.03)% 0.00% 100.00%$46,057 8LINCOLN NATL GRP2026 8(463.25)% 0.00% 100.00%$25,232 0MOLINA HEALTHCARE INC GRP153127 018.52% 0.00% 100.00%$15,584 7CINCINNATI FIN GRP24428 7327.44% 0.00% 100.00%$14,364 26AMERICAN INTL GRP1229 15(81.07)% 0.00% 100.00%$11,649 15ASSURANT INC GRP1930 8437.86% 0.00% 100.00%

$8,303 7PRINCIPAL FIN GRP33231 63,290.44% 0.00% 100.00%$7,048 7ALLIANZ INS GRP76132 7467.64% 0.00% 100.00%

$902 1JEFFERSON NATIONAL GRP483633 1145.57% 0.00% 100.00%

© 2017 National Association of Insurance Commissioners 182

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Other Comprehensive Major Medical

$4,897,306,958 1,308,322GRAND TOTAL 721,02986.34% 100.00%

© 2017 National Association of Insurance Commissioners 183

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Comprehensive/Major Medical Subtotal

$34,098,728,176 7,050,868UNITEDHEALTH GRP7071 3,879,17478.91% 16.91% 16.91%$17,272,605,501 3,467,581AETNA GRP12 1,932,02981.58% 8.57% 25.48%$15,095,104,526 2,842,699ANTHEM INC GRP6713 1,590,54680.05% 7.49% 32.96%$15,073,551,962 2,931,965HCSC GRP9174 1,595,76882.95% 7.48% 40.44%

$6,836,948,441 2,224,493CIGNA HLTH GRP9015 40,35880.62% 3.39% 43.83%$6,809,891,840 1,380,638KAISER FOUNDATION GRP6016 755,36388.00% 3.38% 47.20%$5,697,869,494 1,119,351BCBS OF MI GRP5727 508,87380.40% 2.83% 50.03%$5,109,493,488 1,502,066HUMANA GRP1198 898,60481.60% 2.53% 52.56%$4,657,241,447 814,310BCBS OF MA GRP36379 384,07584.56% 2.31% 54.87%$4,211,441,443 887,249GUIDEWELL MUT HOLDING GRP53610 552,54475.36% 2.09% 56.96%$4,160,111,462 604,281BCBS OF NJ GRP120211 298,68884.40% 2.06% 59.03%$3,711,185,035 643,711HIGHMARK GRP81212 341,84083.60% 1.84% 60.87%$3,653,057,299 580,294INDEPENDENCE HLTH GRP INC GRP93613 314,32578.92% 1.81% 62.68%$3,252,443,321 538,839LIFETIME HLTHCARE GRP118614 273,86284.76% 1.61% 64.29%$3,252,168,708 687,479CAREFIRST INC GRP38015 378,28373.60% 1.61% 65.90%$3,000,614,836 499,807EMBLEM HLTH GRP112716 252,20088.97% 1.49% 67.39%$2,522,427,583 552,390BCBS OF AL GRP57017 293,62587.77% 1.25% 68.64%$2,505,865,571 427,371HARVARD PILGRIM HLTH CARE GRP59518 217,71586.40% 1.24% 69.88%$2,258,723,431 486,342CAMBIA HEALTH SOLUTIONS INC120719 275,88777.63% 1.12% 71.00%$2,245,974,642 422,715PREMERA BLUE CROSS GRP96220 247,91584.67% 1.11% 72.12%$2,135,441,492 467,404WELLMARK INC GRP77021 245,05984.72% 1.06% 73.18%$2,018,546,255 384,830BCBS OF NC GRP75822 243,01179.25% 1.00% 74.18%$1,816,423,870 354,773LOUISIANA HLTH SERV GRP43823 207,62881.91% 0.90% 75.08%$1,807,749,956 417,977BCBS OF TN GRP349824 233,41475.93% 0.90% 75.98%$1,801,610,134 343,617GROUP HLTH COOP GRP118525 209,08184.01% 0.89% 76.87%$1,674,027,147 374,277HAWAII MEDICAL SERV ASSN4994826 218,31685.47% 0.83% 77.70%$1,648,307,500 318,573MEDICAL MUT OF OH GRP73027 163,83379.60% 0.82% 78.52%$1,509,631,000 441,173HEALTHPARTNERS GRP125828 218,20287.05% 0.75% 79.27%$1,467,870,989 357,931BCBS OF SC GRP66129 220,49580.59% 0.73% 79.99%$1,441,934,457 321,047SPECTRUM HLTH GRP338330 140,33983.23% 0.72% 80.71%$1,416,522,184 286,278HEALTH NOW NY INC5520431 147,24387.20% 0.70% 81.41%$1,303,409,207 251,124HENRY FORD HLTH SYSTEM GRP131132 111,27488.28% 0.65% 82.06%$1,273,873,086 255,223BCBS OF MN GRP46133 142,55085.84% 0.63% 82.69%

© 2017 National Association of Insurance Commissioners 184

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Comprehensive/Major Medical Subtotal

$1,217,146,289 316,707IHC INC GRP88034 124,09886.70% 0.60% 83.29%$1,199,329,500 215,544TUFTS GRP474235 104,29484.89% 0.59% 83.89%$1,195,383,751 273,671UPMC HLTH SYSTEM GRP132436 180,55992.08% 0.59% 84.48%$1,184,546,103 182,242CENTENE CORP GRP129537 107,38387.81% 0.59% 85.07%$1,072,192,537 366,403BCBS OF KC GRP53738 197,81978.18% 0.53% 85.60%$1,058,375,513 242,526BCBS OF KS GRP43039 130,76686.90% 0.52% 86.12%$1,040,322,915 163,995CDPHP INC GRP470840 82,43286.93% 0.52% 86.64%

$960,120,540 199,477BCBS OF NE GRP485841 100,30087.54% 0.48% 87.12%$943,496,390 175,527MEDICA GRP155242 94,92784.59% 0.47% 87.58%$882,172,154 132,561CARLE HOLDING CO GRP119243 69,34788.56% 0.44% 88.02%$867,393,012 157,351MVP GRP119844 84,97486.08% 0.43% 88.45%$857,991,975 189,605CAPITAL BLUE CROSS GRP123045 106,33387.50% 0.43% 88.88%$844,804,021 172,520UNIVERSITY HLTH CARE & GUNDERSEN LUT487046 78,00689.43% 0.42% 89.30%$810,594,799 150,094ARKANSAS BCBS GRP87647 117,40886.83% 0.40% 89.70%$798,287,633 157,594DEAN HLTH GRP129448 73,74482.62% 0.40% 90.09%$769,059,588 135,665BCBS OF RI5347349 68,71883.16% 0.38% 90.48%$750,609,638 166,688PROVIDENCE HLTH GRP478850 97,71689.52% 0.37% 90.85%$747,542,242 182,001MISSISSIPPI INS GRP112651 96,18685.63% 0.37% 91.22%$714,852,488 152,428BCBS OF AZ INC5358952 86,26178.98% 0.35% 91.57%$634,751,665 125,423INDEPENDENT HLTH ASSN GRP489453 62,39988.25% 0.31% 91.89%$625,836,583 132,366BLUE CROSS OF ID GRP129054 64,29785.02% 0.31% 92.20%$531,753,055 202,467TRIPLE S GRP480255 62,07183.77% 0.26% 92.46%$526,575,158 103,502NORIDIAN MUT INS CO5589156 52,48282.36% 0.26% 92.72%$515,282,235 96,534GEISINGER INS GRP114357 55,58584.47% 0.26% 92.98%$476,761,995 93,735FEDERATED MUT GRP758 55,31989.28% 0.24% 93.21%$470,643,374 99,354SANFORD HLTH GRP124659 46,48996.09% 0.23% 93.45%$470,516,361 81,103WEA INS CORP7227360 34,12996.07% 0.23% 93.68%$453,155,438 97,432PACIFICSOURCE HLTH PLAN GRP470461 60,39686.27% 0.22% 93.91%$443,888,912 76,212FALLON GRP474162 36,89593.50% 0.22% 94.13%$441,486,645 89,969SENTARA HLTH MGMT GRP118363 58,06786.29% 0.22% 94.35%$419,366,870 72,302SECURITY HLTH PLAN OF WI INC9688164 30,40997.14% 0.21% 94.55%$417,784,195 83,825NEIGHBORHOOD HLTH PLAN INC1110965 44,48081.27% 0.21% 94.76%$408,267,082 87,051AVMED INC9526366 57,50884.72% 0.20% 94.96%

© 2017 National Association of Insurance Commissioners 185

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Comprehensive/Major Medical Subtotal

$407,483,805 77,807BAYSTATE HLTH GRP475667 39,303672.16% 0.20% 95.17%$380,012,105 82,159SCOTT & WHITE GRP60068 47,29396.43% 0.19% 95.35%$350,761,387 75,316COMMUNITYCARE GRP348769 7,85985.49% 0.17% 95.53%$309,862,879 72,032GROUP HLTH COOP OF S CENTRAL WI9531170 37,32189.39% 0.15% 95.68%$309,609,540 51,291OREGON DENTAL GRP131371 27,25497.28% 0.15% 95.83%$309,265,040 59,094BCBS OF VT GRP474572 32,05293.81% 0.15% 95.99%$302,192,839 56,493WISCONSIN PHYSICIANS SERV INS GRP6873 26,40893.52% 0.15% 96.14%$296,184,129 50,513PRESBYTERIAN HLTHCARE SERV GRP48174 32,58086.04% 0.15% 96.28%$280,420,940 131,430MEDICAL CARD SYSTEM INC GRP130175 59,25884.17% 0.14% 96.42%$279,756,094 51,851NETWORK HLTH GRP267876 22,47785.94% 0.14% 96.56%$271,932,505 51,084NIPPON LIFE INS CO OF AMER8126477 25,99779.76% 0.13% 96.70%$265,839,920 45,159STATE FARM GRP17678 16,191105.57% 0.13% 96.83%$233,777,559 84,108NORTH SHORE LIJ HLTH CARE GRP479379 52,333120.91% 0.12% 96.95%$215,340,102 37,732UNIVERSITY HLTH ALLIANCE4795380 39,36988.11% 0.11% 97.05%$212,657,715 43,040PHYSICIANS PLUS INS CORP9534181 21,47087.07% 0.11% 97.16%$205,527,561 38,433PHYSICIANS HLTH PLAN OF MID MI GRP340882 15,41185.58% 0.10% 97.26%$196,765,778 41,041AULTMAN HLTH FOUNDATION GRP480583 18,06981.06% 0.10% 97.36%$196,400,157 66,778FIRSTCARE GRP354984 27,72592.26% 0.10% 97.45%$190,983,946 36,864RENOWN HLTH GRP479185 87389.11% 0.09% 97.55%$179,509,555 29,010ROCKY MOUNTAIN HLTH GRP118486 16,56285.23% 0.09% 97.64%$168,559,643 30,731SUMMA HLTH GRP325987 16,46483.05% 0.08% 97.72%$168,329,266 37,376HEALTH PLAN GRP129788 17,95399.32% 0.08% 97.81%$168,200,098 40,328HAWAII MGMT ALLIANCE ASSN4833089 2,61585.59% 0.08% 97.89%$166,574,831 32,654GLOBALHEALTH INC1366790 18,21684.85% 0.08% 97.97%$158,427,558 39,139PREFERREDONE GRP349291 22,53390.20% 0.08% 98.05%$157,219,771 31,883PHP INDIANA GRP382892 17,99978.43% 0.08% 98.13%$148,842,764 31,723SAINT MARYS HLTH CARE CORP GRP241893 19,61690.96% 0.07% 98.20%$141,866,622 24,550BCBS OF WY5376794 13,33682.32% 0.07% 98.27%$137,946,940 29,018VANGUARD HLTH VENTURES GRP121295 15,40783.85% 0.07% 98.34%$134,889,414 59,914BAPTIST HLTH PLAN INC9507196 098.99% 0.07% 98.41%$133,129,848 42,000TOKIO MARINE HOLDINGS INC GRP309897 434853.46% 0.07% 98.47%$115,671,589 27,640TOTAL HLTH GRP123898 16,96578.03% 0.06% 98.53%$113,232,600 220,297BCS INS GRP2399 78,25263.07% 0.06% 98.59%

© 2017 National Association of Insurance Commissioners 186

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Comprehensive/Major Medical Subtotal

$108,465,947 63,640BLUE SHIELD OF CA GRP2798100 41,05887.08% 0.05% 98.64%$107,068,130 28,291VIVA HLTH INC95322101 14,56787.71% 0.05% 98.69%$105,639,522 45,378MAPFRE INS GRP411102 79787.36% 0.05% 98.75%$105,584,256 15,990SOUTH DAKOTA STATE MED HOLDING CO96598103 93192.39% 0.05% 98.80%$101,370,438 24,819COX INS GRP1203104 14,94791.58% 0.05% 98.85%

$97,495,129 19,518HEALTH FIRST GRP4740105 12,26380.50% 0.05% 98.90%$96,658,865 32,868CATHOLIC HLTH INITIATIVES GRP4807106 21,98381.70% 0.05% 98.94%$94,662,559 25,042MCLAREN HLTH GRP4700107 11,07990.77% 0.05% 98.99%$92,966,852 16,791VANTAGE HLTH GRP4783108 8,62280.94% 0.05% 99.04%$90,558,243 32,978TAKECARE INS CO INC11093109 14,76295.88% 0.04% 99.08%$86,005,516 17,507HEALTH TRADITION HLTH PLAN96628110 37887.20% 0.04% 99.13%$84,638,944 16,001MAINE COMM HLTH OPTIONS15077111 9,80692.60% 0.04% 99.17%$84,629,008 17,116MEDICAL ASSOCIATES GRP4811112 7,59290.92% 0.04% 99.21%$84,452,465 55,036AMTRUST NGH GRP2538113 29,82986.17% 0.04% 99.25%$79,676,397 0HEALTHSPAN PARTNERS GRP4831114 087.21% 0.04% 99.29%$76,589,111 19,963NEW MEXICO HLTH CONNECTIONS15011115 17,51873.38% 0.04% 99.33%$75,350,978 17,745AVERA HLTH PLANS INC95839116 61196.51% 0.04% 99.37%$73,453,978 15,565DENVER HLTH MEDICAL PLAN INC95750117 1089.76% 0.04% 99.40%$72,793,598 7,577ADVANTAGE HLTH SOLUTIONS INC52568118 4,16195.84% 0.04% 99.44%$71,329,732 26,291MERCY HLTH CORP GRP3595119 20,15194.17% 0.04% 99.47%$68,415,176 9,750MEMORIAL HERMANN GRP4808120 17,37896.96% 0.03% 99.51%$64,209,027 13,365FIRSTCAROLINACARE INS CO INC12962121 9,08992.71% 0.03% 99.54%$58,123,683 18,498METROPOLITAN GRP241122 24664.05% 0.03% 99.57%$57,002,978 12,932TIMBER PRODUCTS MANUFACTURERS TRUST12239123 0101.08% 0.03% 99.60%$56,498,784 10,305ALLIANT HLTH PLANS INC11256124 5,59568.65% 0.03% 99.63%$48,453,561 13,132TENET HEALTHCARE CORP GRP4759125 13,13278.25% 0.02% 99.65%

$201,648,021,014 42,082,039GRAND TOTAL 21,470,87284.24% 100.00%

© 2017 National Association of Insurance Commissioners 187

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Specified/Named Disease

$334,549,655 2,518,137ALLSTATE INS GRP81 1,266,94546.28% 24.10% 24.10%$186,200,395 846,921AFLAC GRP3702 624,05246.69% 13.41% 37.52%$178,558,966 547,529UNUM GRP5653 20,99338.72% 12.86% 50.38%$161,071,058 297,520CNO FINANCIAL GRP2334 193,84180.14% 11.60% 61.98%$128,477,734 140,864WESTBRIDGE CAPITAL GRP8395 94,15525.54% 9.26% 71.24%

$79,547,869 602,032AEGON US HOLDING GRP4686 345,03643.68% 5.73% 76.97%$44,497,660 467,679VOYA FINANCIAL GRP48327 208,11946.75% 3.21% 80.18%$38,392,523 198,228HUMANA GRP1198 112,91941.94% 2.77% 82.94%$32,991,505 101,253TRUSTMARK MUT HOLDING CO GRP2769 70,89338.04% 2.38% 85.32%$31,949,159 72,512LINCOLN NATL GRP2010 64026.16% 2.30% 87.62%$28,483,667 268,217GUARDIAN LIFE GRP42911 142,10934.46% 2.05% 89.67%$26,461,910 316,819MUTUAL OF OMAHA GRP26112 218,599(46.46)% 1.91% 91.58%$18,440,861 21,788GUARANTEE TRUST GRP68713 9,75365.82% 1.33% 92.91%$13,941,414 77,873BOSTON MUT GRP58114 37,36642.18% 1.00% 93.91%$12,625,077 100,512CIGNA HLTH GRP90115 19,97643.36% 0.91% 94.82%

$8,705,520 21,132TORCHMARK CORP GRP29016 9,48949.47% 0.63% 95.45%$7,565,906 0CHUBB LTD GRP62617 040.11% 0.55% 95.99%$6,970,238 50,038AMERICAN FIDELITY CORP GRP33018 34,84526.75% 0.50% 96.50%$6,616,721 27,508FAIRFAX FIN GRP15819 25177.70% 0.48% 96.97%$5,074,962 47,778AMTRUST NGH GRP253820 36,45917.22% 0.37% 97.34%$4,914,520 14,308AMERICAN INTL GRP1221 11,79148.31% 0.35% 97.69%$4,860,261 37,069GENERAL ELECTRIC GRP35022 27,96763.92% 0.35% 98.04%$4,652,295 57,400SUN LIFE ASSUR CO OF CN GRP54923 32631.71% 0.34% 98.38%$3,885,298 15,399HARTFORD FIRE & CAS GRP9124 7452.03% 0.28% 98.66%$2,868,238 10,148PRUDENTIAL OF AMER GRP30425 1558.27% 0.21% 98.86%$2,677,104 10,822HEALTHMARKETS GRP26426 7,31732.48% 0.19% 99.06%$1,757,718 10,756ASSURITY GRP486227 6,37459.64% 0.13% 99.18%$1,685,384 3,864CONTINENTAL GEN INS CO7140428 2,43577.44% 0.12% 99.31%$1,247,302 6,488PRINCIPAL FIN GRP33229 6,48817.92% 0.09% 99.40%$1,174,044 7,910GENEVE HOLDINGS INC GRP45030 5,1537.74% 0.08% 99.48%$1,165,154 15,625FIDELITY SECURITY GRP45131 9,88022.63% 0.08% 99.56%$1,040,517 2,120MANHATTAN LIFE GRP111732 1,488318.57% 0.07% 99.64%

$891,850 19,034BCBS OF SC GRP66133 16,9584.99% 0.06% 99.70%

© 2017 National Association of Insurance Commissioners 188

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Specified/Named Disease

$742,927 16,398AXIS CAPITAL GRP341634 45650.36% 0.05% 99.76%$481,673 22,835BCS INS GRP2335 22,835(0.41)% 0.03% 99.79%$419,366 2,652NATIONAL GUARDIAN LIFE INS GRP121136 2,00038.86% 0.03% 99.82%$384,713 2,644LIFE INS CO OF AL6541237 1,158109.30% 0.03% 99.85%$361,007 2,547MINNESOTA MUT GRP86938 224.47% 0.03% 99.88%$300,165 983BALTIMORE LIFE INS CO6121239 9833.44% 0.02% 99.90%$288,058 1,948AMERICAN NATL FIN GRP40840 1,22365.58% 0.02% 100.00%$272,115 2,059MULTINATIONAL GRP480441 2,05923.64% 0.02% 100.00%$219,358 1,055MEIJI YASUDA LIFE INS GRP134842 83966.51% 0.02% 100.00%$178,032 768NEW ERA LIFE GRP52043 5017.03% 0.01% 100.00%$128,256 376UNIFIED LIFE INS CO1112144 261103.76% 0.01% 100.00%$119,084 8315 STAR LIFE INS CO7787945 64557.34% 0.01% 100.00%

$62,431 2,022UNION LABOR GRP78146 8557.22% 0.00% 100.00%$55,555 0HIGHMARK GRP81247 0(4,176.43)% 0.00% 100.00%$53,640 68BEAZLEY INS CO INC3754048 43145.53% 0.00% 100.00%$51,978 242NATIONWIDE CORP GRP14049 242402.21% 0.00% 100.00%$49,301 58PAN AMER LIFE GRP52550 45(294.23)% 0.00% 100.00%$17,173 467UNITEDHEALTH GRP70751 467(0.20)% 0.00% 100.00%$16,502 0COOPERATIVA DE SEGUROS DE VIDA7971552 0150.55% 0.00% 100.00%

$6,790 56HORACE MANN GRP30053 36278.66% 0.00% 100.00%$3,855 3PHYSICIANS MUT GRP36754 3(6,809.34)% 0.00% 100.00%$2,349 4CENTRAL STATES GRP69055 4146.10% 0.00% 100.00%

$514 0ARKANSAS BCBS GRP87656 0(1,777.04)% 0.00% 100.00%

$1,388,060,915 6,993,339GRAND TOTAL 3,577,40344.58% 100.00%

© 2017 National Association of Insurance Commissioners 189

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Limited Benefit

$1,529,641,084 21,919,816VISION SERV PLAN GRP11891 42,09379.05% 29.03% 29.03%$1,074,409,607 5,552,773UNITEDHEALTH GRP7072 2,858,91583.60% 20.39% 49.43%

$637,327,602 15,817,797FIDELITY SECURITY GRP4513 4,752,87477.54% 12.10% 61.52%$221,862,373 3,440,083NATIONAL GUARDIAN LIFE INS GRP12114 1,977,02760.48% 4.21% 65.73%$216,495,731 0CHUBB LTD GRP6265 081.88% 4.11% 69.84%$208,457,332 2,908,698GUARDIAN LIFE GRP4296 1,530,89260.44% 3.96% 73.80%$151,379,213 0CAPITAL BLUE CROSS GRP12307 091.79% 2.87% 76.67%$129,712,772 1,946,059HUMANA GRP1198 1,206,66360.61% 2.46% 79.13%$127,325,194 96,701AEGON US HOLDING GRP4689 71,64360.29% 2.42% 81.55%

$96,777,811 871,813AMERITAS MUT HOLDING GRP94310 13,00960.94% 1.84% 83.39%$93,951,405 1,075,618ANTHEM INC GRP67111 571,76578.82% 1.78% 85.17%$86,554,720 479,126BCBS OF SC GRP66112 313,62194.27% 1.64% 86.81%$77,003,249 76,590PAN AMER LIFE GRP52513 49,49148.20% 1.46% 88.28%$64,426,200 1,050,764CIGNA HLTH GRP90114 15,36579.13% 1.22% 89.50%$62,880,684 162,684UNIFIED LIFE INS CO1112115 84,22451.31% 1.19% 90.69%$58,080,888 144,181AMERICAN FIDELITY CORP GRP33016 106,72353.88% 1.10% 91.79%$57,556,374 107,997BCS INS GRP2317 86,69543.18% 1.09% 92.89%$53,037,960 58,443SUMITOMO LIFE INS GRP485518 38,97969.65% 1.01% 93.89%$46,408,905 69,452TOKIO MARINE HOLDINGS INC GRP309819 1,18746.57% 0.88% 94.77%$45,418,549 847,493VISION BENEFITS GRP469620 2,31078.82% 0.86% 95.64%$41,586,058 440,306PRINCIPAL FIN GRP33221 305,93843.41% 0.79% 96.43%$18,870,066 18,783BEAZLEY INS CO INC3754022 9,45437.48% 0.36% 96.78%$17,106,627 22,740AXIS CAPITAL GRP341623 35637.36% 0.32% 97.11%$14,706,443 174,694MEIJI YASUDA LIFE INS GRP134824 121,02925.18% 0.28% 97.39%$12,754,241 21,513INDEPENDENCE HLTH GRP INC GRP93625 9,98488.98% 0.24% 97.63%$12,402,401 475,440SIGHTCARE INC4701226 21179.77% 0.24% 97.87%$10,904,974 94,035GENEVE HOLDINGS INC GRP45027 53,40553.77% 0.21% 98.07%$10,051,571 844,689AMERICAN SPECIALTY GRP350228 077.84% 0.19% 98.26%

$8,240,696 0HAWAII MEDICAL SERV ASSN4994829 084.47% 0.16% 98.42%$7,899,869 15,564NEW YORK LIFE GRP82630 12,42447.11% 0.15% 98.57%$7,478,375 63,188VOYA FINANCIAL GRP483231 27,47315.15% 0.14% 98.71%$6,294,298 4,744CENTENE CORP GRP129532 3,59651.28% 0.12% 98.83%$5,752,610 993HCSC GRP91733 8981.07% 0.11% 98.94%

© 2017 National Association of Insurance Commissioners 190

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Limited Benefit

$5,354,072 10,134AEGIS GRP31334 10762.07% 0.10% 99.04%$5,256,782 0KEMPER CORP GRP21535 045.92% 0.10% 99.14%$4,895,245 124,261OPTICARE OF UT1253336 47,06057.94% 0.09% 99.23%$4,765,984 83,966DELTA DENTAL PLAN OF MO GRP368037 46,30859.20% 0.09% 99.32%$4,434,492 52,958CAMBIA HEALTH SOLUTIONS INC120738 27,34583.07% 0.08% 99.41%$4,211,542 5,642FAIRFAX FIN GRP15839 861.26% 0.08% 99.49%$4,111,888 41,649LOUISIANA HLTH SERV GRP43840 25,32282.40% 0.08% 99.57%$3,563,250 67,807ARKANSAS BCBS GRP87641 39,66369.17% 0.07% 99.63%$2,269,451 27,697MEDICAL MUT OF OH GRP73042 13,30892.30% 0.04% 99.68%$1,489,614 16,768KANSAS CITY LIFE INS GRP58843 9,39351.73% 0.03% 99.71%$1,475,301 27,921DELTA DENTAL PLAN OF AZ GRP365844 13,42456.58% 0.03% 99.73%$1,443,826 13,169WELLMARK INC GRP77045 6,16086.30% 0.03% 99.76%$1,322,284 1,619AMERICAN NATL FIN GRP40846 1,19169.52% 0.03% 99.79%$1,218,532 16,369BEST LIFE & HLTH INS CO9063847 9,12748.30% 0.02% 99.81%$1,029,733 22,323RENAISSANCE HLTH SERV CORP GRP47748 13,55963.93% 0.02% 99.83%

$869,219 1,312HOMESHIELD CAPITAL GRP285849 136.92% 0.02% 99.85%$866,815 258MUNICH RE GRP36150 1952.11% 0.02% 99.86%$853,965 0AMERICAN FIN SECURITY LIFE INS CO6933751 032.34% 0.02% 99.88%$798,401 11,667WESTBRIDGE CAPITAL GRP83952 6,65945.38% 0.02% 99.89%$772,566 1,789PRIMERICA GRP475053 1,7895.76% 0.01% 100.00%$724,692 22,610HEALTHMARKETS GRP26454 12,46150.98% 0.01% 100.00%$713,333 3,744FORTRESS GRP471655 151.12% 0.01% 100.00%$569,445 0NORTH CAROLINA MUT LIFE INS CO6703256 027.34% 0.01% 100.00%$371,797 2,520TORCHMARK CORP GRP29057 2,52052.96% 0.01% 100.00%$341,657 5,805HIGHMARK GRP81258 3,237(15.73)% 0.01% 100.00%$321,914 8,361WISCONSIN PHYSICIANS SERV INS GRP6859 168113.99% 0.01% 100.00%$296,918 299MARKEL CORP GRP78560 1(50.05)% 0.01% 100.00%$268,381 880AMERICAN ENTERPRISE MUT GRP352761 84930.76% 0.01% 100.00%$253,584 5,234WEA INS CORP7227362 2,10366.76% 0.00% 100.00%$165,081 349HORACE MANN GRP30063 2119.47% 0.00% 100.00%$148,579 0PROVIDENCE HLTH GRP478864 099.92% 0.00% 100.00%$130,651 676LIFE INS CO OF AL6541265 38635.51% 0.00% 100.00%$118,352 0AMERICAN INTL GRP1266 050.72% 0.00% 100.00%

© 2017 National Association of Insurance Commissioners 191

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Limited Benefit

$115,580 169NEW ERA LIFE GRP52067 64.69% 0.00% 100.00%$84,762 47UNION LABOR GRP78168 4755.84% 0.00% 100.00%$66,139 1,407ASSURITY GRP486269 054.44% 0.00% 100.00%$50,088 224FARMERS INS GRP6970 19(8.01)% 0.00% 100.00%$42,174 312MAPFRE INS GRP41171 27343.15% 0.00% 100.00%$40,470 1,031AXA INS GRP96872 76491.92% 0.00% 100.00%$23,950 58CNO FINANCIAL GRP23373 5875.63% 0.00% 100.00%

$8,765 6CORVESTA GRP472974 5(4.75)% 0.00% 100.00%$6,450 8PROTECTIVE LIFE INS GRP45875 81,836.59% 0.00% 100.00%$6,076 2THE HANOVER INS GRP8876 234.56% 0.00% 100.00%$3,398 16BCBS OF MI GRP57277 104.53% 0.00% 100.00%$2,914 82LIFETIME HLTHCARE GRP118678 35(430.10)% 0.00% 100.00%$2,002 24CONTINENTAL GEN INS CO7140479 15(80.32)% 0.00% 100.00%$1,162 22UNITED HERITAGE MUT GRP287880 220.00% 0.00% 100.00%

$5,268,616,741 59,383,972GRAND TOTAL 14,552,06474.71% 100.00%

© 2017 National Association of Insurance Commissioners 192

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Student

$700,041,276 387,165AETNA GRP11 380,22281.23% 36.40% 36.40%$552,569,079 337,766UNITEDHEALTH GRP7072 328,47678.76% 28.74% 65.14%$131,012,810 64,274HCSC GRP9173 61,09877.76% 6.81% 71.95%

$89,618,100 51,327BCBS OF NC GRP7584 42,40381.21% 4.66% 76.61%$76,923,612 48,204NATIONWIDE CORP GRP1405 37,11381.82% 4.00% 80.61%$54,868,630 708,622BCS INS GRP236 707,81259.02% 2.85% 83.47%$44,792,406 49,601NATIONAL GUARDIAN LIFE INS GRP12117 49,60170.66% 2.33% 85.80%$38,484,055 8,608CENTENE CORP GRP12958 8,60878.29% 2.00% 87.80%$32,745,871 0CHUBB LTD GRP6269 059.79% 1.70% 89.50%$32,572,930 15,554HARVARD PILGRIM HLTH CARE GRP59510 14,98795.58% 1.69% 91.20%$26,201,651 103,472BCBS OF SC GRP66111 103,47291.80% 1.36% 92.56%$24,072,367 11,350ANTHEM INC GRP67112 11,13165.27% 1.25% 93.81%$16,180,376 12,729HIGHMARK GRP81213 8,33294.56% 0.84% 94.65%$14,214,970 0TRUSTMARK MUT HOLDING CO GRP27614 068.37% 0.74% 95.39%$11,751,116 6,344BCBS OF NE GRP485815 5,94696.51% 0.61% 96.00%

$9,597,071 684,246PUPIL BENEFITS PLAN INC5527116 37962.23% 0.50% 96.50%$8,839,367 8,450INDEPENDENCE HLTH GRP INC GRP93617 6,83096.21% 0.46% 96.96%$7,529,773 7,796TUFTS GRP474218 7,796111.66% 0.39% 97.35%$6,575,225 6,630PREMERA BLUE CROSS GRP96219 6,52582.53% 0.34% 97.69%$6,228,583 0TOKIO MARINE HOLDINGS INC GRP309820 035.43% 0.32% 98.02%$6,032,634 3,066HEALTH NOW NY INC5520421 2,99195.44% 0.31% 98.33%$5,564,996 1,702CAREFIRST INC GRP38022 1,65160.56% 0.29% 98.62%$5,429,416 6,760BCBS OF MI GRP57223 6,48350.96% 0.28% 98.90%$3,895,291 0ARCH INS GRP127924 9,71616.07% 0.20% 99.11%$3,478,284 551,277LIBERTY MUT GRP11125 28497.31% 0.18% 99.29%$2,736,029 85,000UNIFIED LIFE INS CO1112126 85,00059.98% 0.14% 99.43%$2,491,468 4,186COMMERCIAL TRAVELERS MUT INS CO8142627 1464.05% 0.13% 99.56%$2,074,165 669LOUISIANA HLTH SERV GRP43828 64485.42% 0.11% 99.67%$1,805,309 0CAMBIA HEALTH SOLUTIONS INC120729 0150.67% 0.09% 99.76%$1,539,845 8,082FAIRFAX FIN GRP15830 6791.68% 0.08% 99.84%$1,322,284 0AMERICAN NATL FIN GRP40831 069.52% 0.07% 100.00%

$570,917 609PAN AMER LIFE GRP52532 60871.26% 0.03% 100.00%$474,201 1,316BCBS OF TN GRP349833 1,31680.00% 0.02% 100.00%

© 2017 National Association of Insurance Commissioners 193

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Student

$347,732 0COOPERATIVA DE SEGUROS DE VIDA7971534 03.48% 0.02% 100.00%$226,290 35,220UNIVERSAL FIDELITY LIFE INS CO7012235 8672.95% 0.01% 100.00%

$89,155 798MULTINATIONAL GRP480436 798(6.67)% 0.00% 100.00%$32,866 0COLUMBIAN LIFE GRP53537 046.48% 0.00% 100.00%

$1,922,930,150 3,210,824GRAND TOTAL 1,890,39079.03% 100.00%

© 2017 National Association of Insurance Commissioners 194

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Accident only or AD&D

$436,957,867 16,156,243AEGON US HOLDING GRP4681 14,388,55735.06% 10.68% 10.68%$316,595,951 7,691,696UNUM GRP5652 71,44932.33% 7.74% 18.42%$283,899,150 3,471,166MINNESOTA MUT GRP8693 1,768,96538.36% 6.94% 25.35%$277,233,581 9,899,005METROPOLITAN GRP2414 36,52453.90% 6.78% 32.13%$248,079,653 9,340,103CIGNA HLTH GRP9015 12,61255.34% 6.06% 38.19%$219,053,568 2,913,947ALLSTATE INS GRP86 1,481,15051.60% 5.35% 43.54%$210,588,635 19,357,373CUNA MUT GRP3067 16,920,43030.58% 5.15% 48.69%$200,791,063 8,593,745HARTFORD FIRE & CAS GRP918 29,65848.11% 4.91% 53.60%$176,787,532 7,596,581ZURICH INS GRP2129 6,439,25834.65% 4.32% 57.92%$146,803,294 1,123,216AFLAC GRP37010 653,14642.28% 3.59% 61.51%$123,032,759 4,881,037PRUDENTIAL OF AMER GRP30411 1,44370.43% 3.01% 64.51%$122,258,385 19,500,787MUTUAL OF OMAHA GRP26112 2,421,25342.89% 2.99% 67.50%$100,381,457 4,228,238LINCOLN NATL GRP2013 28,65836.00% 2.45% 69.95%

$92,339,169 3,180,890FAIRFAX FIN GRP15814 51,24851.47% 2.26% 72.21%$77,711,871 5,736,579GUARDIAN LIFE GRP42915 3,020,03841.35% 1.90% 74.11%$77,489,961 2,125,199AETNA GRP116 2,049,21881.24% 1.89% 76.00%$75,351,469 3,310,951MEIJI YASUDA LIFE INS GRP134817 3,124,77342.69% 1.84% 77.84%$64,151,871 409,716AAA LIFE GRP485318 409,71642.79% 1.57% 79.41%$62,245,925 0CHUBB LTD GRP62619 049.39% 1.52% 80.93%$57,375,063 47,796,472AMEX ASSUR CO2792820 31,858,12411.60% 1.40% 82.34%$50,322,447 37,301AMERICAN FINANCIAL GRP8421 1,43315.05% 1.23% 83.56%$46,269,218 483,017NATIONWIDE CORP GRP14022 482,83949.00% 1.13% 84.70%$41,464,003 1,475,510VOYA FINANCIAL GRP483223 641,5267.75% 1.01% 85.71%$41,031,083 3,808,842AXIS CAPITAL GRP341624 11,03642.68% 1.00% 86.71%$36,869,575 3,574,272TOKIO MARINE HOLDINGS INC GRP309825 4,91133.47% 0.90% 87.61%$28,955,078 4,386,487NESTLE SA GRP448326 8,56132.02% 0.71% 88.32%$28,295,143 1,574,062ANTHEM INC GRP67127 1,552,71836.47% 0.69% 89.01%$27,572,605 148,916WESTBRIDGE CAPITAL GRP83928 102,51349.21% 0.67% 89.69%$27,346,842 561,371AMERICAN INTL GRP1229 12,14726.88% 0.67% 90.35%$26,503,904 910,886XL AMER GRP128530 905,25963.06% 0.65% 91.00%$25,056,403 123,367UNITEDHEALTH GRP70731 97,97939.20% 0.61% 91.61%$24,782,418 317,785TRUSTMARK MUT HOLDING CO GRP27632 229,82725.57% 0.61% 92.22%$22,379,097 112,993CNO FINANCIAL GRP23333 101,60179.10% 0.55% 92.77%

© 2017 National Association of Insurance Commissioners 195

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Accident only or AD&D

$21,592,980 12,833OLD REPUBLIC GRP15034 12726.68% 0.53% 93.29%$21,194,838 2,505,574MARKEL CORP GRP78535 17,87117.94% 0.52% 93.81%$20,761,152 2,694,636WR BERKLEY CORP GRP9836 3,79450.32% 0.51% 94.32%$18,780,120 1,271,568STARR GRP467037 2,53737.76% 0.46% 94.78%$18,682,439 1,256,208NEW YORK LIFE GRP82638 1,244,95935.61% 0.46% 95.23%$14,884,488 32,678NATIONAL GUARDIAN LIFE INS GRP121139 32,13556.97% 0.36% 95.60%$13,522,174 91,515HUMANA GRP11940 51,45117.09% 0.33% 95.93%$12,543,832 169,336FORTRESS GRP471641 450.63% 0.31% 96.24%$10,302,282 83,262ATHENE GRP473442 54,5148.68% 0.25% 96.49%

$9,864,187 712,810TORCHMARK CORP GRP29043 9,907,59676.44% 0.24% 96.73%$9,836,135 181,065ARCH INS GRP127944 192,80956.77% 0.24% 96.97%$9,712,307 256,087ASSURANT INC GRP1945 208,06817.42% 0.24% 97.21%$9,144,202 342,735FIDELITY SECURITY GRP45146 113,60658.09% 0.22% 97.43%$8,479,155 113,590BCBS OF SC GRP66147 113,37955.55% 0.21% 97.64%$8,056,717 65,281GUARANTEE TRUST GRP68748 59,22117.67% 0.20% 97.83%$7,918,193 541,922ONEAMERICA FIN PARTNERS GRP61949 541,92220.67% 0.19% 98.03%$7,845,436 48,380AMTRUST NGH GRP253850 36,94614.40% 0.19% 98.22%$7,537,985 965,823UNION LABOR GRP78151 929,47537.99% 0.18% 98.40%$7,485,200 152,389GENERAL ELECTRIC GRP35052 69,19823.50% 0.18% 98.59%$5,716,915 385,237SUMITOMO LIFE INS GRP485553 430,98268.66% 0.14% 98.73%$5,648,275 653,615AEGIS GRP31354 3,88116.46% 0.14% 98.86%$5,375,061 180,969AMERICAN FIDELITY CORP GRP33055 173,92419.87% 0.13% 99.00%$5,041,758 3,147CHEROKEE INS CO1064256 3533.92% 0.12% 99.12%$4,251,042 513MANHATTAN LIFE GRP111757 2071.23% 0.10% 99.22%$3,382,411 43,368SUN LIFE ASSUR CO OF CN GRP54958 31713.18% 0.08% 99.31%$3,056,400 331,390BOSTON MUT GRP58159 318,17449.30% 0.07% 99.38%$2,830,218 131,997STATE FARM GRP17660 51,282100.88% 0.07% 99.45%$2,277,529 16,573ASSURITY GRP486261 8,32740.29% 0.06% 99.50%$1,752,077 141,550SENTRY INS GRP16962 141,55051.03% 0.04% 99.55%$1,683,038 1,884PAN AMER LIFE GRP52563 1,41335.37% 0.04% 99.59%$1,224,046 340,939COMMERCIAL TRAVELERS MUT INS CO8142664 1,77813.62% 0.03% 99.62%$1,200,996 6,405GENEVE HOLDINGS INC GRP45065 4,90568.02% 0.03% 99.65%$1,162,707 0USIC GRP359366 013.94% 0.03% 99.68%

© 2017 National Association of Insurance Commissioners 196

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Accident only or AD&D

$1,102,607 98,448BCS INS GRP2367 97,75026.05% 0.03% 99.70%$1,072,471 1,123NEW ERA LIFE GRP52068 18627.65% 0.03% 99.73%

$864,061 79,820BCBS OF KS GRP43069 2,52545.84% 0.02% 99.75%$857,643 66,516SECURITY MUT LIFE INS CO OF NY6877270 905(4.72)% 0.02% 99.77%$800,394 5,223UNITED SERV AUTOMOBILE ASSN GRP20071 19.37% 0.02% 99.79%$760,049 3,044UNIFIED LIFE INS CO1112172 2,35912.07% 0.02% 99.81%$756,310 876,785TEXAS FARM BUREAU MUT GRP80973 461,86346.58% 0.02% 99.83%$731,953 2,640KEMPER CORP GRP21574 2,64020.94% 0.02% 99.85%$655,710 103,172INTER AMER GRP86375 3816.79% 0.02% 99.86%$492,050 28,732ROYAL STATE NATL INS CO LTD6855176 230.53% 0.01% 99.87%$491,635 2,096BLUE SHIELD OF CA GRP279877 1,35273.60% 0.01% 99.89%$480,938 87,285AUTOMOBILE CLUB MI GRP5578 87,28515.44% 0.01% 99.90%$468,736 5,754HEALTHMARKETS GRP26479 3,516(37.43)% 0.01% 100.00%$390,227 229,590IOWA FARM BUREAU GRP51380 229,59079.60% 0.01% 100.00%$388,870 32,635MULTINATIONAL GRP480481 32,63518.67% 0.01% 100.00%$374,707 53,456ALLEGHANY GRP50182 34732.37% 0.01% 100.00%$288,972 118AMALGAMATED LIFE & HLTH INS CO6020883 118110.67% 0.01% 100.00%$197,482 1,555LINCOLN HERITAGE LIFE INS CO6592784 1,55510.83% 0.00% 100.00%$179,098 0COLONIAL SAVINGS GRP87885 00.00% 0.00% 100.00%$152,320 2,000CENTURY CAS CO1091786 10.00% 0.00% 100.00%$150,140 0COOPERATIVA DE SEGUROS DE VIDA7971587 09.42% 0.00% 100.00%$138,714 1,702RESERVOIR CAPITAL GRP476488 1,702(0.11)% 0.00% 100.00%$136,199 15,877HCSC GRP91789 15,87726.57% 0.00% 100.00%$125,815 16,196AMERICAN NATL FIN GRP40890 16,05247.46% 0.00% 100.00%$110,915 1,510LOUISIANA HLTH SERV GRP43891 9360.00% 0.00% 100.00%$109,069 7,636HORACE MANN GRP30092 7,155(2.53)% 0.00% 100.00%

$77,647 340BCBS OF MI GRP57293 15844.96% 0.00% 100.00%$77,342 2,631AUTO CLUB ENTERPRISES INS GRP131894 510.62% 0.00% 100.00%$73,815 8,711STANDARD LIFE & CAS INS CO7170695 7811.35% 0.00% 100.00%$66,814 489LIBERTY MUT GRP11196 10.00% 0.00% 100.00%$66,038 122,833MISSOURI FARM BUREAU GRP51497 122,83389.34% 0.00% 100.00%$61,601 134PROTECTIVE LIFE INS GRP45898 134(15.60)% 0.00% 100.00%$56,277 23,551CHINA MINSHENG GRP486399 23,5510.00% 0.00% 100.00%

© 2017 National Association of Insurance Commissioners 197

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Accident only or AD&D

$44,600 672FARMERS INS GRP69100 1(4.95)% 0.00% 100.00%$44,396 968GERMANIA INS GRP171101 6970.00% 0.00% 100.00%$43,124 0OKLAHOMA FARM BUREAU GRP220102 168.18% 0.00% 100.00%$41,588 0UNDERWRITERS AT LLOYD'S LONDON15642103 00.00% 0.00% 100.00%$35,542 426MAPFRE INS GRP411104 316131.23% 0.00% 100.00%$34,919 0MOUNTAIN LIFE INS CO80020105 033.41% 0.00% 100.00%$30,969 86CNA INS GRP218106 61,258.10% 0.00% 100.00%$28,983 0ALLIANZ INS GRP761107 033.75% 0.00% 100.00%$24,481 30SAMMONS ENTERPRISES GRP431108 30313.96% 0.00% 100.00%$21,740 0HIGHMARK GRP812109 0(238.90)% 0.00% 100.00%$19,078 1,423WILTON RE GRP4213110 1,362(212.75)% 0.00% 100.00%$17,361 11HOMESHIELD CAPITAL GRP2858111 11(3.74)% 0.00% 100.00%$14,857 0AMERICAN FIN SECURITY LIFE INS CO69337112 00.00% 0.00% 100.00%$14,573 18DAILY UNDERWRITERS OF AMER35483113 1837.74% 0.00% 100.00%$14,432 90JACKSON NATL GRP918114 90(58.27)% 0.00% 100.00%$14,330 157BERKSHIRE HATHAWAY GRP31115 1572.44% 0.00% 100.00%$12,894 484BENEFICIAL LIFE GRP615116 484(1.05)% 0.00% 100.00%$11,339 79UNITED HERITAGE MUT GRP2878117 7932.11% 0.00% 100.00%

$7,788 0COMMUNITY FIRST GRP2738118 00.00% 0.00% 100.00%$7,504 52PEKIN INS GRP153119 129.33% 0.00% 100.00%$5,146 556BEAZLEY INS CO INC37540120 4924,452.23% 0.00% 100.00%$2,488 5BALTIMORE LIFE INS CO61212121 5(47,288.38)% 0.00% 100.00%

$400 0AMALGAMATED CAS INS CO13293122 40.00% 0.00% 100.00%$135 3LIFE INS CO OF AL65412123 10.00% 0.00% 100.00%

$83 0AMERIPRISE FIN GRP4124 00.00% 0.00% 100.00%

$4,091,971,704 210,457,231GRAND TOTAL 104,759,41042.02% 100.00%

© 2017 National Association of Insurance Commissioners 198

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Disability Income - Short-Term

$661,347,172 2,611,574UNUM GRP5651 28,89764.42% 12.70% 12.70%$499,367,678 2,077,979CIGNA HLTH GRP9012 4,68878.26% 9.59% 22.29%$391,892,214 2,041,111HARTFORD FIRE & CAS GRP913 41,62069.03% 7.53% 29.82%$367,042,357 1,461,617LINCOLN NATL GRP204 16,51369.33% 7.05% 36.87%$314,512,399 1,420,530METROPOLITAN GRP2415 10,09868.41% 6.04% 42.91%$302,293,929 1,317,327MEIJI YASUDA LIFE INS GRP13486 1,130,84572.42% 5.81% 48.72%$301,361,358 303,540AETNA GRP17 303,54081.24% 5.79% 54.50%$286,014,747 1,691,132GUARDIAN LIFE GRP4298 1,691,13262.46% 5.49% 60.00%$219,051,666 921,451MUTUAL OF OMAHA GRP2619 921,45163.43% 4.21% 64.20%$214,065,819 922,731SUN LIFE ASSUR CO OF CN GRP54910 14,55373.88% 4.11% 68.31%$206,801,479 921,240LIBERTY MUT GRP11111 921,24088.55% 3.97% 72.29%$200,997,044 711,910TOKIO MARINE HOLDINGS INC GRP309812 9,38768.95% 3.86% 76.15%$187,039,069 766,355PRUDENTIAL OF AMER GRP30413 1,19164.98% 3.59% 79.74%$159,736,176 720,843PRINCIPAL FIN GRP33214 720,84358.07% 3.07% 82.81%

$78,535,469 267,762ASSURANT INC GRP1915 267,76250.91% 1.51% 84.32%$78,055,047 1,381,488SHELTERPOINT GRP INC480316 1,381,48854.87% 1.50% 85.81%$54,559,705 263,319ARCH INS GRP127917 11,09574.94% 1.05% 86.86%$54,515,274 53HCSC GRP91718 5363.76% 1.05% 87.91%$51,199,696 95,173AMERICAN FIDELITY CORP GRP33019 94,80742.66% 0.98% 88.89%$45,218,023 188,394ARKANSAS BCBS GRP87620 1,55861.26% 0.87% 89.76%$43,758,724 96,499AFLAC GRP37021 96,48454.48% 0.84% 90.60%$41,690,741 158,343ONEAMERICA FIN PARTNERS GRP61922 158,34365.93% 0.80% 91.40%$39,798,257 199,691ANTHEM INC GRP67123 199,69165.59% 0.76% 92.17%$36,544,720 137,810VOYA FINANCIAL GRP483224 137,81061.02% 0.70% 92.87%$31,723,804 78,843TRUSTMARK MUT HOLDING CO GRP27625 78,84348.51% 0.61% 93.48%$31,161,486 731,189GENEVE HOLDINGS INC GRP45026 731,18955.47% 0.60% 94.08%$27,695,146 64,557ALLSTATE INS GRP827 64,55739.34% 0.53% 94.61%$26,774,603 91,365HUMANA GRP11928 82,22267.92% 0.51% 95.12%$25,639,241 16,697UNITEDHEALTH GRP70729 16,69755.63% 0.49% 95.62%$24,724,659 0CHUBB LTD GRP62630 042.47% 0.47% 96.09%$23,787,643 76,936AMERICAN INTL GRP1231 76,93670.66% 0.46% 96.55%$21,749,534 86,286SUMITOMO LIFE INS GRP485532 86,28667.88% 0.42% 96.96%$19,916,430 79,932AEGON US HOLDING GRP46833 39,15031.46% 0.38% 97.35%

© 2017 National Association of Insurance Commissioners 199

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Disability Income - Short-Term

$17,114,244 59,818BCBS OF SC GRP66134 59,74850.06% 0.33% 97.68%$15,362,903 54,181NORTHWESTERN MUT GRP86035 2,64048.98% 0.30% 97.97%$12,484,411 40,384BOSTON MUT GRP58136 40,38475.52% 0.24% 98.21%$10,054,090 35,396KANSAS CITY LIFE INS GRP58837 35,39652.40% 0.19% 98.40%

$9,078,418 100,032SECURITY MUT LIFE INS CO OF NY6877238 1,24071.78% 0.17% 98.58%$7,816,580 6,911MANHATTAN LIFE GRP111739 6,90845.33% 0.15% 98.73%$6,223,801 129,628BERKSHIRE HATHAWAY GRP3140 21,23652.95% 0.12% 98.85%$6,066,762 18,809NATIONWIDE CORP GRP14041 18,80953.75% 0.12% 98.96%$4,242,790 24,065UNION LABOR GRP78142 24,06588.54% 0.08% 99.05%$4,195,387 13,048MEDICAL MUT OF OH GRP73043 13,04882.22% 0.08% 99.13%$3,470,156 30,760MULTINATIONAL GRP480444 30,76046.82% 0.07% 99.19%$3,334,835 18,936BCS INS GRP2345 18,93616.75% 0.06% 99.26%$3,023,937 15,254AMALGAMATED LIFE INS CO6021646 3262.65% 0.06% 99.32%$2,867,215 84,094UNIVERSAL INS CO GRP7147 84,09437.04% 0.06% 99.37%$2,533,873 5,987ILLINOIS MUT LIFE INS CO6458048 5,98740.71% 0.05% 99.42%$2,493,120 12,614WISCONSIN PHYSICIANS SERV INS GRP6849 71967.28% 0.05% 99.47%$2,324,521 8,172GUIDEWELL MUT HOLDING GRP53650 8247.59% 0.04% 99.51%$2,263,360 0COOPERATIVA DE SEGUROS DE VIDA7971551 039.85% 0.04% 99.56%$2,080,224 3,287FIDELITY SECURITY GRP45152 3,28744.39% 0.04% 99.59%$1,994,740 11,296SENTRY INS GRP16953 11,29644.73% 0.04% 99.63%$1,842,611 1,253FINANCIAL HOLDINGS GRP44954 1,27332.15% 0.04% 99.67%$1,833,143 11,010BCBS OF KS GRP43055 38959.76% 0.04% 99.70%$1,816,614 3AMERITAS MUT HOLDING GRP94356 362.93% 0.03% 99.74%$1,451,101 0TRIPLE S GRP480257 077.19% 0.03% 99.77%$1,332,425 5,521NATIONAL GUARDIAN LIFE INS GRP121158 5,52148.63% 0.03% 99.79%$1,226,345 21,060STATE FARM GRP17659 6,42330.68% 0.02% 99.82%$1,130,338 4,663LOUISIANA HLTH SERV GRP43860 4,66337.68% 0.02% 99.84%

$949,943 12,150UNITED HERITAGE MUT GRP287861 12,15052.55% 0.02% 99.86%$885,541 2,072ASSURITY GRP486262 2,07240.74% 0.02% 99.87%$848,054 5,092FEDERATED MUT GRP763 5,09124.74% 0.02% 99.89%$822,458 2,476HEALTHMARKETS GRP26464 2,4763.73% 0.02% 100.00%$620,132 2,304NEW ERA LIFE GRP52065 4551.81% 0.01% 100.00%$573,441 2,049CNO FINANCIAL GRP23366 2,04932.56% 0.01% 100.00%

© 2017 National Association of Insurance Commissioners 200

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Disability Income - Short-Term

$467,220 0WEA INS CORP7227367 086.89% 0.01% 100.00%$455,549 1,059HORACE MANN GRP30068 1,05919.12% 0.01% 100.00%$399,926 970AMERICAN NATL FIN GRP40869 97087.16% 0.01% 100.00%$308,838 1,335EMC NATL LIFE CO6292870 1,33559.25% 0.01% 100.00%$282,461 1,534NIPPON LIFE INS CO OF AMER8126471 1,53428.21% 0.01% 100.00%$269,016 1,687KEMPER CORP GRP21572 1,68753.16% 0.01% 100.00%$236,275 4,644CENTRAL STATES GRP69073 4,64444.90% 0.00% 100.00%$197,612 2,145AXA INS GRP96874 2,14579.83% 0.00% 100.00%$184,150 1,723KERNAN GRP338475 6107.34% 0.00% 100.00%$163,467 793ATHENE GRP473476 54324.46% 0.00% 100.00%$117,397 137PAN AMER LIFE GRP52577 108768.52% 0.00% 100.00%

$99,399 1,805US HLTH & LIFE INS CO INC9777278 32.05% 0.00% 100.00%$70,630 0USIC GRP359379 0(129.21)% 0.00% 100.00%$64,146 147TOWN & COUNTRY LIFE INS CO7767480 120.26% 0.00% 100.00%$54,575 378ZURICH INS GRP21281 384105.04% 0.00% 100.00%$48,579 392AMERICAN ENTERPRISE MUT GRP352782 392653.05% 0.00% 100.00%$43,647 92MEDICAL BENEFITS MUT LIFE INS CO7432283 920.00% 0.00% 100.00%$39,637 179MINNESOTA MUT GRP86984 8656.85% 0.00% 100.00%$37,969 195PEKIN INS GRP15385 2116.96% 0.00% 100.00%$34,040 0DELAWARE LIFE HOLDING GRP479486 0(460.91)% 0.00% 100.00%$30,368 0US ALLIANCE LIFE & SECURITY CO1416587 2250.00% 0.00% 100.00%$29,708 89COUNTRY INS & FIN SERV GRP5088 8963.11% 0.00% 100.00%$20,865 48AMALGAMATED LIFE & HLTH INS CO6020889 48185.81% 0.00% 100.00%$18,093 84MISSISSIPPI INS GRP112690 17302.16% 0.00% 100.00%$11,799 43FEDERAL LIFE INS CO6322391 4371.14% 0.00% 100.00%$11,644 57BEST LIFE & HLTH INS CO9063892 57(100.89)% 0.00% 100.00%$10,364 17PROTECTIVE LIFE INS GRP45893 170.00% 0.00% 100.00%

$9,088 0COLONIAL SAVINGS GRP87894 00.00% 0.00% 100.00%$7,618 16WMI MUT INS CO6842095 160.00% 0.00% 100.00%$7,524 109SOUTHERN FARM BUREAU LIFE INS CO6889696 10979.47% 0.00% 100.00%$7,504 1GUARANTEE TRUST GRP68797 10.00% 0.00% 100.00%$7,474 0DAKOTA CAPITAL LIFE INS CO1418898 240.00% 0.00% 100.00%$6,145 0BALTIMORE LIFE INS CO6121299 0(659.67)% 0.00% 100.00%

© 2017 National Association of Insurance Commissioners 201

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Disability Income - Short-Term

$4,298 0CITIZENS SECURITY LIFE INS CO61921100 051.86% 0.00% 100.00%$2,562 20AXIS CAPITAL GRP3416101 221,273.34% 0.00% 100.00%$1,493 3CUNA MUT GRP306102 36,209.51% 0.00% 100.00%$1,001 0GGC GRP4736103 0(95,394.01)% 0.00% 100.00%

$5,206,690,902 22,665,704GRAND TOTAL 9,777,47267.99% 100.00%

© 2017 National Association of Insurance Commissioners 202

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Disability Income - Long-Term

$1,717,398,190 5,476,255UNUM GRP5651 44,01081.03% 14.09% 14.09%$1,490,361,459 6,589,553CIGNA HLTH GRP9012 9,75389.83% 12.23% 26.33%$1,321,710,065 3,891,197METROPOLITAN GRP2413 12,724101.57% 10.85% 37.17%$1,017,241,774 4,025,567HARTFORD FIRE & CAS GRP914 12,96988.57% 8.35% 45.52%

$772,789,240 3,080,974MEIJI YASUDA LIFE INS GRP13485 3,072,58984.97% 6.34% 51.86%$756,269,424 3,493,896LIBERTY MUT GRP1116 3,493,69884.00% 6.21% 58.07%$668,376,871 2,055,848AETNA GRP17 2,055,84881.24% 5.49% 63.55%$647,624,829 2,328,668PRUDENTIAL OF AMER GRP3048 1,59786.83% 5.31% 68.87%$531,772,541 2,433,249LINCOLN NATL GRP209 22,71464.28% 4.36% 73.23%$433,664,167 1,781,098TOKIO MARINE HOLDINGS INC GRP309810 14,86284.25% 3.56% 76.79%$424,545,626 1,722,949SUN LIFE ASSUR CO OF CN GRP54911 19,84282.05% 3.48% 80.28%$393,757,827 1,666,948GUARDIAN LIFE GRP42912 1,666,94879.54% 3.23% 83.51%$308,260,230 537,336AMERICAN FIDELITY CORP GRP33013 535,44452.96% 2.53% 86.04%$271,729,781 1,031,741PRINCIPAL FIN GRP33214 1,031,74160.87% 2.23% 88.27%$265,560,380 1,259,776MUTUAL OF OMAHA GRP26115 1,259,76679.02% 2.18% 90.45%$194,820,558 461,180ASSURANT INC GRP1916 461,14657.72% 1.60% 92.05%$119,830,976 119,146NEW YORK LIFE GRP82617 118,70162.89% 0.98% 93.03%$118,554,546 260,879AMERICAN INTL GRP1218 260,87991.01% 0.97% 94.00%$103,675,231 173,264NORTHWESTERN MUT GRP86019 10,14555.11% 0.85% 94.85%

$75,080,402 1,392HCSC GRP91720 1,392105.10% 0.62% 95.47%$68,586,078 357,034VOYA FINANCIAL GRP483221 357,03490.10% 0.56% 96.03%$62,177,906 335,089GENEVE HOLDINGS INC GRP45022 335,08952.68% 0.51% 96.54%$59,930,605 313,194ANTHEM INC GRP67123 313,19491.03% 0.49% 97.03%$53,545,002 0GREAT WEST GRP76924 0105.33% 0.44% 97.47%$46,619,193 236,511ONEAMERICA FIN PARTNERS GRP61925 236,51167.00% 0.38% 97.86%$41,315,986 157,621ARKANSAS BCBS GRP87626 39059.33% 0.34% 98.19%$37,461,389 184,622SUMITOMO LIFE INS GRP485527 184,62268.47% 0.31% 98.50%$34,889,147 49,928UNITEDHEALTH GRP70728 49,92869.79% 0.29% 98.79%$19,154,516 44,381BOSTON MUT GRP58129 44,38152.18% 0.16% 98.95%$12,942,141 59,340KANSAS CITY LIFE INS GRP58830 59,34049.34% 0.11% 99.05%

$9,908,503 7,444PENN MUT GRP85031 7,444453.66% 0.08% 99.13%$9,829,162 34,066SENTRY INS GRP16932 34,066114.98% 0.08% 99.21%$8,088,932 34,550BCBS OF SC GRP66133 34,55078.41% 0.07% 99.28%

© 2017 National Association of Insurance Commissioners 203

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Disability Income - Long-Term

$7,379,890 18,355NATIONWIDE CORP GRP14034 18,35554.95% 0.06% 99.34%$7,016,537 28,867HUMANA GRP11935 28,86750.16% 0.06% 99.40%$5,862,053 18,985ZURICH INS GRP21236 18,34192.94% 0.05% 99.45%$5,269,883 9,564MINNESOTA MUT GRP86937 4,85256.20% 0.04% 99.49%$5,232,940 0TRIPLE S GRP480238 0112.31% 0.04% 99.53%$5,133,204 1,272FIDELITY SECURITY GRP45139 1,27134.06% 0.04% 99.57%$3,260,526 7,322MUTUAL OF AMER LIFE INS CO8866840 7,32259.23% 0.03% 99.60%$3,088,018 8,166NATIONAL GUARDIAN LIFE INS GRP121141 8,16625.35% 0.03% 99.63%$3,071,685 5,395TRUSTMARK MUT HOLDING CO GRP27642 5,39586.73% 0.03% 99.65%$3,047,398 12,489GUIDEWELL MUT HOLDING GRP53643 972.56% 0.03% 99.68%$3,013,183 11,485AFLAC GRP37044 10,03650.05% 0.02% 99.70%$3,008,444 3,715SOUTHERN FARM BUREAU LIFE INS CO6889645 3,715105.32% 0.02% 99.73%$2,871,741 14,334SECURITY MUT LIFE INS CO OF NY6877246 381123.21% 0.02% 99.75%$2,661,846 5,769UNITED HERITAGE MUT GRP287847 5,76976.03% 0.02% 99.77%$2,647,114 14,879MEDICAL MUT OF OH GRP73048 14,87964.84% 0.02% 99.79%$2,424,160 16,052UNIVERSAL INS CO GRP7149 16,05269.13% 0.02% 99.81%$2,332,323 12,571WISCONSIN PHYSICIANS SERV INS GRP6850 36594.12% 0.02% 99.83%$1,947,519 4,557AUTO OWNERS GRP28051 4,55776.50% 0.02% 99.85%$1,757,490 5,282COUNTRY INS & FIN SERV GRP5052 5,28288.86% 0.01% 99.86%$1,736,504 3,872CINCINNATI FIN GRP24453 3,872102.64% 0.01% 99.88%$1,618,084 5,184LOUISIANA HLTH SERV GRP43854 5,18449.37% 0.01% 99.89%$1,591,568 304WEA INS CORP7227355 30488.96% 0.01% 100.00%$1,160,142 4,797HORACE MANN GRP30056 4,79736.49% 0.01% 100.00%$1,108,684 2,220MULTINATIONAL GRP480457 2,220(177.44)% 0.01% 100.00%$1,084,613 1AMERITAS MUT HOLDING GRP94358 1(116.63)% 0.01% 100.00%$1,082,607 6,686BCBS OF KS GRP43059 17342.67% 0.01% 100.00%$1,038,768 2,834ALLSTATE INS GRP860 2,83427.12% 0.01% 100.00%

$964,465 111AMERICAN NATL FIN GRP40861 11192.59% 0.01% 100.00%$718,311 593PROTECTIVE LIFE INS GRP45862 593(40.14)% 0.01% 100.00%$694,632 3,589NIPPON LIFE INS CO OF AMER8126463 3,589139.14% 0.01% 100.00%$535,099 3CNO FINANCIAL GRP23364 17144.09% 0.00% 100.00%$460,818 2,533EMC NATL LIFE CO6292865 2,53335.79% 0.00% 100.00%$375,931 0COOPERATIVA DE SEGUROS DE VIDA7971566 0(138.34)% 0.00% 100.00%

© 2017 National Association of Insurance Commissioners 204

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Disability Income - Long-Term

$270,564 724SHELTERPOINT GRP INC480367 72413.61% 0.00% 100.00%$263,804 2,499AXA INS GRP96868 2,49977.50% 0.00% 100.00%$250,933 776UNION LABOR GRP78169 77612.84% 0.00% 100.00%$225,792 336BENEFICIAL LIFE GRP61570 336(5.74)% 0.00% 100.00%$192,426 609MISSOURI FARM BUREAU GRP51471 609334.63% 0.00% 100.00%$172,639 0ALLIANZ INS GRP76172 062.90% 0.00% 100.00%$168,076 0DELAWARE LIFE HOLDING GRP479473 0(2,278.56)% 0.00% 100.00%$132,445 512ROYAL STATE NATL INS CO LTD6855174 2(72.90)% 0.00% 100.00%$116,757 48BALTIMORE LIFE INS CO6121275 48(1,682.01)% 0.00% 100.00%

$97,950 388PEKIN INS GRP15376 38839.69% 0.00% 100.00%$77,289 251CHEROKEE INS CO1064277 19181.14% 0.00% 100.00%$58,250 0USIC GRP359378 0(79.06)% 0.00% 100.00%$50,657 119INVESTORS HERITAGE LIFE INS CO6490479 1232.07% 0.00% 100.00%$48,742 115WILTON RE GRP421380 1151,889.74% 0.00% 100.00%$44,396 88AMALGAMATED LIFE INS CO6021681 3113.83% 0.00% 100.00%$38,591 321INTER AMER GRP86382 1149.14% 0.00% 100.00%$38,060 0US ALLIANCE LIFE & SECURITY CO1416583 2190.00% 0.00% 100.00%$35,585 19AMERICAN ENTERPRISE MUT GRP352784 19653.05% 0.00% 100.00%$34,261 108ASSURITY GRP486285 10837.72% 0.00% 100.00%$30,874 225ILLINOIS MUT LIFE INS CO6458086 225370.75% 0.00% 100.00%$26,448 124TIPTREE FIN GRP471887 12447.83% 0.00% 100.00%$24,821 53JACKSON NATL GRP91888 53375.74% 0.00% 100.00%$23,835 26BEST LIFE & HLTH INS CO9063889 266.24% 0.00% 100.00%$23,181 19SAMMONS ENTERPRISES GRP43190 19386.26% 0.00% 100.00%$17,357 22UNIFIED LIFE INS CO1112191 2229.36% 0.00% 100.00%$15,371 20CUNA MUT GRP30692 20(6,178.08)% 0.00% 100.00%$14,761 0DAKOTA CAPITAL LIFE INS CO1418893 280.00% 0.00% 100.00%$11,702 82FIDELITY LIFE ASSN A LEGAL RESERVE L6329094 012.56% 0.00% 100.00%

$7,671 10AMERIPRISE FIN GRP495 10(10.49)% 0.00% 100.00%$5,467 0MISSISSIPPI INS GRP112696 0276.93% 0.00% 100.00%$3,771 24SAGICOR LIFE INS CO6044597 24135.30% 0.00% 100.00%$2,839 1KEMPER CORP GRP21598 1237.30% 0.00% 100.00%$2,347 0HIGHMARK GRP81299 0799.79% 0.00% 100.00%

© 2017 National Association of Insurance Commissioners 205

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Disability Income - Long-Term

$1,462 0PAN AMER LIFE GRP525100 09,187.07% 0.00% 100.00%$1,024 3,818JOHN HANCOCK GRP904101 3,577(102,392.87)% 0.00% 100.00%

$304 0CITIZENS SECURITY LIFE INS CO61921102 010,470.72% 0.00% 100.00%$144 1FEDERAL LIFE INS CO63223103 10.00% 0.00% 100.00%

$1 14GENERAL ELECTRIC GRP350104 149,249,600.00% 0.00% 100.00%

$12,185,192,860 44,447,872GRAND TOTAL 15,953,28983.39% 100.00%

© 2017 National Association of Insurance Commissioners 206

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Long-Term Care

$801,016,155 601,661JOHN HANCOCK GRP9041 601,661106.07% 34.29% 34.29%$360,936,204 825,823UNUM GRP5652 8,201121.65% 15.45% 49.74%$319,981,623 254,261METROPOLITAN GRP2413 265165.68% 13.70% 63.44%$285,669,012 195,667GENWORTH FIN GRP40114 189,309135.84% 12.23% 75.67%$181,350,700 144,324PRUDENTIAL OF AMER GRP3045 675(313.03)% 7.76% 83.44%$166,550,828 207,121CNA INS GRP2186 207,121159.99% 7.13% 90.57%

$43,618,269 48,345AETNA GRP17 48,345167.78% 1.87% 92.43%$32,581,790 19,694AEGON US HOLDING GRP4688 19,070200.83% 1.39% 93.83%$26,404,060 21,556MUTUAL OF OMAHA GRP2619 21,556149.43% 1.13% 94.96%$26,178,380 17,238WEA INS CORP7227310 10,45795.39% 1.12% 96.08%$18,977,741 28,180LIFETIME HLTHCARE GRP118611 28,180228.24% 0.81% 96.89%$16,441,459 11,845CONTINENTAL GEN INS CO7140412 11,845160.28% 0.70% 97.60%$11,798,779 5,145AMERIPRISE FIN GRP413 5,145240.92% 0.51% 98.10%

$9,026,639 6,424GUIDEWELL MUT HOLDING GRP53614 6,424238.42% 0.39% 98.49%$8,245,367 4,633BCBS OF AL GRP57015 4,633127.28% 0.35% 98.84%$4,092,588 2,342CNO FINANCIAL GRP23316 2,3391,019.19% 0.18% 99.02%$3,884,192 4,598NEW YORK LIFE GRP82617 4,598103.44% 0.17% 99.18%$2,773,692 1,612HARTFORD FIRE & CAS GRP9118 1235.97% 0.12% 99.30%$2,451,067 1,730SENTRY INS GRP16919 1,730327.72% 0.10% 99.41%$1,871,052 2,384AMERICAN FIDELITY CORP GRP33020 2,384225.29% 0.08% 99.49%$1,836,687 1,950ALLSTATE INS GRP821 1,425496.52% 0.08% 99.56%$1,794,352 1,092PREMERA BLUE CROSS GRP96222 1,092126.22% 0.08% 99.64%$1,193,157 1,258SENIOR HLTH INS CO OF PA7632523 1,257134.19% 0.05% 99.69%$1,162,997 32,334FIDELITY LIFE ASSN A LEGAL RESERVE L6329024 0149.63% 0.05% 99.74%$1,155,707 2,550CIGNA HLTH GRP90125 2,550535.59% 0.05% 99.79%$1,100,760 3,044PRINCIPAL FIN GRP33226 3,044481.10% 0.05% 99.84%

$891,524 665BCBS OF NC GRP75827 665142.72% 0.04% 99.88%$575,971 461AMERICAN ENTERPRISE MUT GRP352728 381828.83% 0.02% 100.00%$537,507 289GOLDMAN SACHS GRP389129 28950.13% 0.02% 100.00%$522,734 104NESTLE SA GRP448330 4186.78% 0.02% 100.00%$284,036 236TIAA FAMILY GRP121631 236311.64% 0.01% 100.00%$258,089 372BCBS OF NE GRP485832 372263.43% 0.01% 100.00%$219,224 117ONEAMERICA FIN PARTNERS GRP61933 1320.46% 0.01% 100.00%

© 2017 National Association of Insurance Commissioners 207

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Long-Term Care

$109,152 267ALLIANZ INS GRP76134 26783.16% 0.00% 100.00%$74,577 121AMERICAN FINANCIAL GRP8435 121350.52% 0.00% 100.00%$62,414 41GROUP HLTH COOP GRP118536 41328.29% 0.00% 100.00%$53,622 82VOYA FINANCIAL GRP483237 82249.20% 0.00% 100.00%$49,952 31UNIVERSAL AMER FIN CORP GRP95338 31585.68% 0.00% 100.00%$32,761 96TRUSTMARK MUT HOLDING CO GRP27639 962,632.64% 0.00% 100.00%$31,792 206HIGHMARK GRP81240 206495.91% 0.00% 100.00%$28,553 19FORTRESS GRP471641 2471.17% 0.00% 100.00%$13,910 19AMERICAN INTL GRP1242 192,085.08% 0.00% 100.00%

$8,130 15SAGICOR LIFE INS CO6044543 15315.85% 0.00% 100.00%$5,970 6UNITED SECURITY ASSUR CO OF PA4212944 62,149.73% 0.00% 100.00%$4,521 8MINNESOTA MUT GRP86945 3(6,043.55)% 0.00% 100.00%$4,088 9PROTECTIVE LIFE INS GRP45846 922.02% 0.00% 100.00%$3,243 5ANTHEM INC GRP67147 51,869.87% 0.00% 100.00%$1,018 0HCSC GRP91748 026.62% 0.00% 100.00%

$284 3CAMBIA HEALTH SOLUTIONS INC120749 33.17% 0.00% 100.00%

$2,335,866,329 2,449,983GRAND TOTAL 1,186,161100.24% 100.00%

© 2017 National Association of Insurance Commissioners 208

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Medicare Supplement (Medigap)

$5,706,756,155 2,517,643UNITEDHEALTH GRP7071 2,517,64380.09% 85.68% 85.68%$141,988,834 53,621AEGON US HOLDING GRP4682 52,26777.49% 2.13% 87.81%$103,991,449 24,554HARVARD PILGRIM HLTH CARE GRP5953 24,55478.21% 1.56% 89.37%

$96,199,332 28,058ANTHEM INC GRP6714 27,29673.60% 1.44% 90.82%$65,857,219 20,866AMERICAN ENTERPRISE MUT GRP35275 20,27971.23% 0.99% 91.80%$59,368,724 19,368BCBS OF MA GRP36376 19,36880.80% 0.89% 92.70%$52,617,599 15,464PRINCIPAL FIN GRP3327 14,34779.62% 0.79% 93.49%$43,960,758 21,197HIGHMARK GRP8128 20,71375.90% 0.66% 94.15%$36,438,895 14,260PREMERA BLUE CROSS GRP9629 14,26072.26% 0.55% 94.69%$34,777,344 11,780MUTUAL OF OMAHA GRP26110 11,77879.64% 0.52% 95.21%$34,362,501 12,803CNO FINANCIAL GRP23311 12,39584.71% 0.52% 95.73%$34,146,936 7,883BCBS OF NE GRP485812 7,88367.88% 0.51% 96.24%$30,091,663 235,936HARTFORD FIRE & CAS GRP9113 40566.66% 0.45% 96.70%$25,631,155 15,735BCBS OF TN GRP349814 15,73597.33% 0.38% 97.08%$20,625,967 8,552BCBS OF KS GRP43015 8,55276.86% 0.31% 97.39%$17,373,306 7,926TUFTS GRP474216 7,92674.36% 0.26% 97.65%$16,505,834 7,197BCBS OF RI5347317 7,19775.62% 0.25% 97.90%$16,203,184 7,642BCBS OF MN GRP46118 7,64287.63% 0.24% 98.14%$14,911,373 14,722INDEPENDENCE HLTH GRP INC GRP93619 14,19673.00% 0.22% 98.37%$14,138,280 6,265TORCHMARK CORP GRP29020 6,26571.86% 0.21% 98.58%$12,983,531 3,372HCSC GRP91721 3,37269.86% 0.19% 98.77%

$9,747,207 4,377WELLMARK INC GRP77022 4,37770.28% 0.15% 98.92%$9,553,936 3,164AMERICAN NATL FIN GRP40823 3,16478.43% 0.14% 99.06%$8,123,713 5,114HEARTLAND NATL LIFE INS CO6621424 5,11476.39% 0.12% 99.18%$7,567,112 3,682LIFETIME HLTHCARE GRP118625 3,68286.26% 0.11% 99.30%$6,597,117 32,126AETNA GRP126 32,12670.89% 0.10% 99.40%$5,717,760 1,995CIGNA HLTH GRP90127 2371.09% 0.09% 99.48%$3,947,861 1,775SANFORD HLTH GRP124628 1,77584.55% 0.06% 99.54%$3,886,790 1,444CAMBIA HEALTH SOLUTIONS INC120729 1,44458.26% 0.06% 99.60%$3,538,452 970AMERCO CORP GRP57430 97069.70% 0.05% 99.65%$3,441,542 1,145EDUCATORS MUT GRP12631 2574.38% 0.05% 99.71%$3,123,204 1,326AMALGAMATED LIFE & HLTH INS CO6020832 1,22151.85% 0.05% 99.75%$2,513,101 869MEDICAL MUT OF OH GRP73033 86975.26% 0.04% 99.79%

© 2017 National Association of Insurance Commissioners 209

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Medicare Supplement (Medigap)

$2,427,381 1,389TENNESSEE RURAL HLTH GRP467734 1,38969.89% 0.04% 99.83%$2,404,934 790CENTRAL STATES GRP69035 79069.79% 0.04% 99.86%$2,083,962 1,504MERCY HLTH CORP GRP359536 1,50494.19% 0.03% 99.89%$1,205,117 434ISMIE GRP235837 43470.29% 0.02% 100.00%$1,173,341 451PHYSICIANS MUT GRP36738 45174.51% 0.02% 100.00%$1,106,364 285CONTINENTAL GEN INS CO7140439 28563.81% 0.02% 100.00%

$933,955 524BCBS OF VT GRP474540 52475.06% 0.01% 100.00%$680,702 210WISCONSIN PHYSICIANS SERV INS GRP6841 21063.14% 0.01% 100.00%$440,638 139UNIVERSAL AMER FIN CORP GRP95342 13974.97% 0.01% 100.00%$360,806 88GUARANTEE TRUST GRP68743 8864.47% 0.01% 100.00%$325,907 122GENERAL ELECTRIC GRP35044 12245.05% 0.00% 100.00%$254,323 116UNION LABOR GRP78145 116125.55% 0.00% 100.00%$226,781 76AFLAC GRP37046 7680.88% 0.00% 100.00%$122,707 59FARMERS INS GRP6947 267.84% 0.00% 100.00%$122,631 83ALLIANZ INS GRP76148 83167.81% 0.00% 100.00%

$68,941 49RENOWN HLTH GRP479149 49107.64% 0.00% 100.00%$23,223 57AMERICAN INTL GRP1250 57841.24% 0.00% 100.00%

$8,175 5CUNA MUT GRP30651 545.20% 0.00% 100.00%$6,432 2MISSISSIPPI INS GRP112652 282.17% 0.00% 100.00%$5,640 3VOYA FINANCIAL GRP483253 3170.27% 0.00% 100.00%$2,145 6PRIMERICA GRP475054 60.42% 0.00% 100.00%$1,782 1GREAT WEST GRP76955 18,872.45% 0.00% 100.00%

$6,660,673,646 3,119,224GRAND TOTAL 2,875,19979.58% 100.00%

© 2017 National Association of Insurance Commissioners 210

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Federal Employees Health Benefit Plans

$8,491,466,793 1,302,011ANTHEM INC GRP6711 592,56091.37% 22.22% 22.22%$4,941,747,909 803,184HCSC GRP9172 369,07092.07% 12.93% 35.15%$3,713,724,598 640,719CAREFIRST INC GRP3803 322,88391.98% 9.72% 44.86%$2,345,271,613 384,934GUIDEWELL MUT HOLDING GRP5364 194,55691.96% 6.14% 51.00%$1,639,575,907 304,531AETNA GRP15 141,14784.13% 4.29% 55.29%$1,366,879,262 309,710HIGHMARK GRP8126 156,56892.54% 3.58% 58.86%$1,283,737,077 209,642KAISER FOUNDATION GRP6017 101,99784.02% 3.36% 62.22%$1,093,965,824 164,388BCBS OF NC GRP7588 80,81091.17% 2.86% 65.08%$1,046,182,932 217,342CAMBIA HEALTH SOLUTIONS INC12079 104,16490.37% 2.74% 67.82%

$810,305,162 127,116BCBS OF NJ GRP120210 61,47392.37% 2.12% 69.94%$805,593,587 146,697BCBS OF AL GRP57011 72,58894.11% 2.11% 72.05%$733,793,402 115,526BCBS OF MA GRP363712 57,45093.59% 1.92% 73.97%$700,797,971 138,467PREMERA BLUE CROSS GRP96213 65,88893.75% 1.83% 75.80%$660,153,765 101,272BCBS OF TN GRP349814 49,07989.46% 1.73% 77.53%$580,357,459 111,986BCBS OF MI GRP57215 51,67388.94% 1.52% 79.05%$578,791,623 110,606BCBS OF AZ INC5358916 50,95789.53% 1.51% 80.56%$525,235,298 79,981BCBS OF MN GRP46117 36,62689.84% 1.37% 81.94%$513,479,842 81,735BCBS OF SC GRP66118 41,02091.31% 1.34% 83.28%$415,889,221 70,281LOUISIANA HLTH SERV GRP43819 32,50290.63% 1.09% 84.37%$387,755,774 75,046WELLMARK INC GRP77020 34,62890.60% 1.01% 85.38%$363,967,529 56,877UNITEDHEALTH GRP70721 29,47082.26% 0.95% 86.34%$346,508,365 66,578HAWAII MEDICAL SERV ASSN4994822 33,33389.28% 0.91% 87.24%$343,419,898 231,977HUMANA GRP11923 103,21279.81% 0.90% 88.14%$338,102,648 38,153EMBLEM HLTH GRP112724 24,79990.46% 0.88% 89.02%$337,609,559 65,744MISSISSIPPI INS GRP112625 32,37791.78% 0.88% 89.91%$317,774,925 45,408GROUP HLTH COOP GRP118526 25,55889.65% 0.83% 90.74%$312,288,026 44,751BCBS OF KC GRP53727 21,31291.53% 0.82% 91.56%$306,793,736 78,642INDEPENDENCE HLTH GRP INC GRP93628 42,39396.19% 0.80% 92.36%$270,854,811 91,742CAPITAL BLUE CROSS GRP123029 38,88989.91% 0.71% 93.07%$263,827,575 53,041ARKANSAS BCBS GRP87630 25,24988.56% 0.69% 93.76%$243,113,350 35,357BCBS OF NE GRP485831 15,77891.20% 0.64% 94.39%$230,881,896 45,563BCBS OF KS GRP43032 21,34787.18% 0.60% 95.00%$163,557,967 48,990TRIPLE S GRP480233 48,99092.16% 0.43% 95.43%

© 2017 National Association of Insurance Commissioners 211

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Federal Employees Health Benefit Plans

$151,377,624 32,134LIFETIME HLTHCARE GRP118634 15,39488.73% 0.40% 95.82%$137,782,806 19,600MVP GRP119835 11,92498.89% 0.36% 96.18%$128,782,557 33,941BLUE CROSS OF ID GRP129036 15,38190.20% 0.34% 96.52%$125,667,241 18,094HENRY FORD HLTH SYSTEM GRP131137 9,35295.84% 0.33% 96.85%$114,775,369 19,865NORIDIAN MUT INS CO5589138 8,97193.18% 0.30% 97.15%$110,908,281 22,498BCBS OF RI5347339 11,25391.14% 0.29% 97.44%$103,191,662 923,630VISION SERV PLAN GRP118940 494.71% 0.27% 97.71%$101,475,987 16,938BCBS OF WY5376741 8,01492.47% 0.27% 97.97%

$83,848,074 12,206INDEPENDENT HLTH ASSN GRP489442 7,15884.93% 0.22% 98.19%$81,206,827 14,546BCBS OF VT GRP474543 6,87291.76% 0.21% 98.41%$72,795,862 10,444UPMC HLTH SYSTEM GRP132444 6,05686.46% 0.19% 98.60%$69,205,346 25,336HEALTH NOW NY INC5520445 11,19683.81% 0.18% 98.78%$61,045,982 185,917DENTEGRA GRP247946 92,55378.16% 0.16% 98.94%$56,359,281 8,453CDPHP INC GRP470847 4,98589.98% 0.15% 99.08%$50,994,000 11,399HEALTHPARTNERS GRP125848 6,44593.92% 0.13% 99.22%$38,027,253 4,012CENTENE CORP GRP129549 2,51583.85% 0.10% 99.32%$34,774,229 9,092IHC INC GRP88050 2,94295.92% 0.09% 99.41%$33,851,216 5,689MEDICAL MUT OF OH GRP73051 3,42992.21% 0.09% 99.50%$30,995,324 3,720DEAN HLTH GRP129452 2,15489.51% 0.08% 99.58%$30,124,607 4,282GROUP HLTH COOP OF S CENTRAL WI9531153 2,374106.60% 0.08% 99.66%$24,541,429 3,546AVMED INC9526354 1,75296.15% 0.06% 99.72%$22,538,799 2,795CARLE HOLDING CO GRP119255 1,68898.71% 0.06% 99.78%$15,510,769 2,872SENTARA HLTH MGMT GRP118356 1,41295.02% 0.04% 99.82%$14,213,995 1,811AULTMAN HLTH FOUNDATION GRP480557 1,70289.62% 0.04% 99.86%

$7,763,282 1,391GLOBALHEALTH INC1366758 67084.85% 0.02% 99.88%$7,434,783 1,411SPECTRUM HLTH GRP338359 59781.75% 0.02% 99.90%$7,092,615 979GEISINGER INS GRP114360 60174.47% 0.02% 100.00%$6,594,254 0HEALTHSPAN PARTNERS GRP483161 0110.79% 0.02% 100.00%$6,228,108 1,463SCOTT & WHITE GRP60062 647100.83% 0.02% 100.00%$5,566,021 931UNION HLTH SERV INC5255363 198.64% 0.01% 100.00%$5,217,082 753GRAND VALLEY HLTH PLAN INC9545364 399145.60% 0.01% 100.00%$2,884,605 650CATHOLIC HLTH INITIATIVES GRP480765 27886.02% 0.01% 100.00%$2,857,388 572FIRSTCARE GRP354966 275115.54% 0.01% 100.00%

© 2017 National Association of Insurance Commissioners 212

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Federal Employees Health Benefit Plans

$1,555,326 219MERCY HLTH CORP GRP359567 10890.85% 0.00% 100.00%$810,075 113SANFORD HLTH GRP124668 5196.26% 0.00% 100.00%$235,368 51VANGUARD HLTH VENTURES GRP121269 2673.30% 0.00% 100.00%

$16,231 0PHP INDIANA GRP382870 0149.57% 0.00% 100.00%

$38,221,654,962 7,799,350GRAND TOTAL 3,319,52590.81% 100.00%

© 2017 National Association of Insurance Commissioners 213

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Tricare

$29,245,860 0DELTA DENTAL PLAN OF MO GRP36801 098.46% 73.84% 73.84%$10,363,170 0CORVESTA GRP47292 098.91% 26.16% 100.00%

$92 0JACKSON NATL GRP9183 0(1,875.00)% 0.00% 100.00%

$39,609,122 0GRAND TOTAL 098.57% 100.00%

© 2017 National Association of Insurance Commissioners 214

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Dental

$4,550,177,760 10,948,692METROPOLITAN GRP2411 61,67080.70% 20.50% 20.50%$2,037,748,208 5,330,751GUARDIAN LIFE GRP4292 2,772,28667.47% 9.18% 29.68%$1,432,796,057 4,396,127CIGNA HLTH GRP9013 76,01077.26% 6.45% 36.13%$1,408,698,976 4,828,078DENTEGRA GRP24794 2,169,51373.64% 6.35% 42.48%$1,286,284,332 4,471,532RENAISSANCE HLTH SERV CORP GRP4775 2,499,40784.18% 5.79% 48.27%$1,069,461,828 4,782,265AETNA GRP16 2,349,59789.51% 4.82% 53.09%

$830,003,407 2,962,354HIGHMARK GRP8127 1,818,30190.33% 3.74% 56.83%$829,818,574 2,465,790UNITEDHEALTH GRP7078 1,370,34272.08% 3.74% 60.57%$657,854,843 1,735,316PRINCIPAL FIN GRP3329 932,81964.79% 2.96% 63.53%$592,439,896 870,950AMERITAS MUT HOLDING GRP94310 16,34468.09% 2.67% 66.20%$581,595,905 1,497,150ANTHEM INC GRP67111 806,38969.60% 2.62% 68.82%$541,416,008 1,945,113HUMANA GRP11912 1,309,66568.54% 2.44% 71.26%$450,674,022 1,010,976DELTA DENTAL OF WA4734113 4,76984.27% 2.03% 73.29%$360,120,183 1,108,795ASSURANT INC GRP1914 579,03967.33% 1.62% 74.91%$290,887,624 603,390BCBS OF MA GRP363715 294,41578.38% 1.31% 76.22%$261,391,792 582,363DENTAQUEST GRP451216 3,79876.32% 1.18% 77.40%$234,235,502 678,785CORVESTA GRP472917 357,31079.11% 1.06% 78.46%$229,165,515 343,780LINCOLN NATL GRP2018 5,85069.34% 1.03% 79.49%$196,953,586 518,255DELTA DENTAL OF WI GRP384919 235,38983.45% 0.89% 80.38%$195,729,195 660,088BCBS OF SC GRP66120 354,92272.35% 0.88% 81.26%$178,103,025 473,527HCSC GRP91721 244,16764.85% 0.80% 82.06%$174,894,182 84,937KAISER FOUNDATION GRP60122 59,45080.43% 0.79% 82.85%$158,412,001 546,931DELTA DENTAL PLAN OF MO GRP368023 313,58975.12% 0.71% 83.56%$156,767,321 439,626DELTA DENTAL OF OK5393724 00.00% 0.71% 84.27%$147,833,515 402,090DELTA DENTAL OF MN5503425 11,26671.82% 0.67% 84.93%$145,810,651 433,019BCBS OF NJ GRP120226 216,47475.84% 0.66% 85.59%$139,836,227 268,773MEIJI YASUDA LIFE INS GRP134827 187,64873.28% 0.63% 86.22%$129,129,697 290,501NORTHEAST DELTA DENTAL GRP476328 151,15876.12% 0.58% 86.80%$127,590,558 430,470COLORADO DENTAL SERV INC5587529 269,04476.00% 0.57% 87.38%$125,404,879 330,364DELTA DENTAL OF RI GRP157130 5,95076.17% 0.56% 87.94%$123,626,229 423,936BCBS OF TN GRP349831 225,33678.34% 0.56% 88.50%$122,424,209 283,452SUN LIFE ASSUR CO OF CN GRP54932 5,35972.86% 0.55% 89.05%$117,996,881 288,707WILLAMETTE DENTAL GRP350333 126,58390.81% 0.53% 89.58%

© 2017 National Association of Insurance Commissioners 215

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Dental

$111,674,501 387,502EMBLEM HLTH GRP112734 182,19679.59% 0.50% 90.09%$109,726,153 394,010BCBS OF AL GRP57035 198,51770.83% 0.49% 90.58%$109,644,327 379,903DELTA DENTAL PLAN OF AR INC4715536 196,76376.79% 0.49% 91.07%$101,611,890 68,939CAREFIRST INC GRP38037 34,75268.97% 0.46% 91.53%

$87,237,674 16,077BCBS OF MI GRP57238 6,98973.55% 0.39% 91.93%$82,997,552 246,829DELTA DENTAL OF KS GRP463839 137,57679.39% 0.37% 92.30%$73,950,835 177,282TOKIO MARINE HOLDINGS INC GRP309840 2,97365.12% 0.33% 92.63%$73,006,002 295,895NATIONAL GUARDIAN LIFE INS GRP121141 120,12171.66% 0.33% 92.96%$72,808,247 408,911UNUM GRP56542 216,23371.45% 0.33% 93.29%$72,629,187 145,701OREGON DENTAL GRP131343 76,95280.20% 0.33% 93.62%$70,966,252 228,870DENTAL CARE PLUS INC9626544 112,35374.85% 0.32% 93.94%$60,862,066 0CHUBB LTD GRP62645 059.29% 0.27% 94.21%$60,173,834 183,143LIFETIME HLTHCARE GRP118646 87,62075.50% 0.27% 94.48%$60,018,265 216,801HEALTH RESOURCES INC9668747 074.28% 0.27% 94.75%$57,808,286 163,132DELTA DENTAL PLAN OF AZ GRP365848 78,42977.51% 0.26% 95.01%$56,781,497 144,959CAPITAL BLUE CROSS GRP123049 4,07277.16% 0.26% 95.27%$52,358,058 148,704DELTA DENTAL PLAN OF SD5409750 1,77580.44% 0.24% 95.50%$49,558,867 175,975GUIDEWELL MUT HOLDING GRP53651 96,93373.41% 0.22% 95.73%$46,054,360 130,842MUTUAL OF OMAHA GRP26152 71,46571.07% 0.21% 95.93%$44,032,756 142,721BCBS OF KS GRP43053 71,92782.33% 0.20% 96.13%$41,996,714 109,909PHYSICIANS MUT GRP36754 93,15258.84% 0.19% 96.32%$38,827,932 81,241CAMBIA HEALTH SOLUTIONS INC120755 44,87981.68% 0.17% 96.50%$37,229,489 92,473BCBS OF NC GRP75856 49,77167.44% 0.17% 96.66%$34,762,205 235,669HEALTHPLEX GRP8557 225,08294.34% 0.16% 96.82%$34,088,692 0HAWAII MEDICAL SERV ASSN4994858 073.14% 0.15% 96.98%$33,163,296 59,079PREMERA BLUE CROSS GRP96259 33,14779.34% 0.15% 97.12%$30,255,974 79,541KANSAS CITY LIFE INS GRP58860 43,62566.52% 0.14% 97.26%$29,310,517 0ARKANSAS BCBS GRP87661 071.09% 0.13% 97.39%$29,100,384 55,952BLUE CROSS OF ID GRP129062 24,84279.54% 0.13% 97.52%$23,704,612 72,516WELLMARK INC GRP77063 36,20577.39% 0.11% 97.63%$23,424,327 18,273LOUISIANA HLTH SERV GRP43864 9,02873.18% 0.11% 97.74%$22,981,536 51,672BEST LIFE & HLTH INS CO9063865 29,66164.71% 0.10% 97.84%$22,645,498 57,672NORIDIAN MUT INS CO5589166 27,08296.09% 0.10% 97.94%

© 2017 National Association of Insurance Commissioners 216

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Dental

$22,300,201 93,605EDUCATORS MUT GRP12667 91870.63% 0.10% 98.04%$20,743,460 47,930GENEVE HOLDINGS INC GRP45068 30,84454.62% 0.09% 98.14%$19,671,796 17,162PACIFICSOURCE HLTH PLAN GRP470469 35,01278.25% 0.09% 98.22%$18,575,649 42,360MINNESOTA MUT GRP86970 24,08466.99% 0.08% 98.31%$18,553,858 90,921AMERICAN INTL GRP1271 47,85362.46% 0.08% 98.39%$17,343,528 48,900BCBS OF RI5347372 24,79272.75% 0.08% 98.47%$16,588,681 166,057SOLSTICE GRP486673 1,45860.99% 0.07% 98.54%$15,603,000 322,616HEALTHPARTNERS GRP125874 153,63099.65% 0.07% 98.61%$15,440,209 49,716M MELE GRP488175 1073.48% 0.07% 98.68%$15,276,990 52,522AMERICAN NATL FIN GRP40876 27,08553.10% 0.07% 98.75%$13,518,291 37,550DELTA DENTAL PLAN OF WY1520077 91779.74% 0.06% 98.81%$13,509,335 50,545AEGON US HOLDING GRP46878 29,76451.29% 0.06% 98.87%$13,422,466 684,251BCS INS GRP2379 339,49422.00% 0.06% 98.94%$12,608,640 42,839BCBS OF KC GRP53780 23,14574.08% 0.06% 98.99%$12,330,001 28,386WISCONSIN PHYSICIANS SERV INS GRP6881 22576.53% 0.06% 99.05%$12,186,569 40,112NATIONWIDE CORP GRP14082 19,76869.97% 0.05% 99.10%$12,132,550 24,893NIPPON LIFE INS CO OF AMER8126483 11,72968.61% 0.05% 99.16%$12,039,139 51,775DENTAL ECONOMICS GRP450684 26,58767.68% 0.05% 99.21%$10,872,026 30,074IHC INC GRP88085 12,53175.61% 0.05% 99.26%$10,639,089 34,491MEDICAL MUT OF OH GRP73086 17,59971.89% 0.05% 99.31%

$9,002,193 0CITIZENS SECURITY LIFE INS CO6192187 062.21% 0.04% 99.35%$9,001,165 21,334AMERICAN ENTERPRISE MUT GRP352788 21,33444.65% 0.04% 99.39%$8,777,336 29,672FEDERATED MUT GRP789 13,97179.68% 0.04% 99.43%$8,016,909 30,590LIBERTY DENTAL PLAN GRP469290 17067.85% 0.04% 99.47%$6,990,632 61,216EMPLOYERS DENTAL SERV5309091 2,27552.77% 0.03% 99.50%$6,548,418 10,994DENTAL HLTH SERV4749092 26534.35% 0.03% 99.53%$6,544,789 520HEALTH NOW NY INC5520493 27979.15% 0.03% 99.56%$6,521,562 1,155CENTENE CORP GRP129594 75413.62% 0.03% 99.59%$6,312,109 20,649WESTBRIDGE CAPITAL GRP83995 11,57541.60% 0.03% 99.61%$6,256,719 0UNIVERSITY HLTH ALLIANCE4795396 078.30% 0.03% 99.64%$6,038,050 23,619SOUTHLAND NATL HOLDING GRP482797 11,94967.84% 0.03% 99.67%$5,793,347 24,696ATLANTIC SOUTHERN DENTAL FOUND1121798 986.87% 0.03% 99.70%$4,887,540 44INDEPENDENCE HLTH GRP INC GRP93699 2635.18% 0.02% 99.72%

© 2017 National Association of Insurance Commissioners 217

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Dental

$4,379,012 14,616TOWN & COUNTRY LIFE INS CO77674100 22870.74% 0.02% 99.74%$4,316,459 0ISLAND HOME INS CO31658101 063.19% 0.02% 99.76%$4,211,253 14,618MISSISSIPPI INS GRP1126102 8,99971.56% 0.02% 99.78%$3,982,184 19,556SHELTERPOINT GRP INC4803103 10,71168.36% 0.02% 99.79%$3,224,743 9,933AULTMAN HLTH FOUNDATION GRP4805104 7,18570.33% 0.01% 99.81%$3,164,105 9,214BCBS OF WY53767105 5,18076.96% 0.01% 99.82%$2,666,216 13,466GOLDEN DENTAL PLANS INC11113106 6,03363.59% 0.01% 99.83%$2,548,438 7,478BCBS OF AZ INC53589107 4,05056.73% 0.01% 99.85%$2,453,716 4,185SENTRY INS GRP169108 2,72552.98% 0.01% 99.86%$2,273,599 6,396LIFE INS CO OF AL65412109 3,65561.34% 0.01% 99.87%$1,848,322 3,634LIBERTY UNION LIFE ASSUR CO66753110 2,31452.18% 0.01% 99.88%$1,688,334 4,613TIMBER PRODUCTS MANUFACTURERS TRUST12239111 075.63% 0.01% 99.88%$1,555,588 2,533PIONEER EDUCATORS HLTH TRUST12619112 091.54% 0.01% 99.89%$1,522,207 348BCBS OF MN GRP461113 34869.54% 0.01% 99.90%$1,468,638 2,469TRUSTMARK MUT HOLDING CO GRP276114 1,54967.57% 0.01% 100.00%$1,451,697 3,606AMERICAN DENTAL PLAN OF WI INC52041115 080.61% 0.01% 100.00%$1,450,676 3,212MVP GRP1198116 1,87266.57% 0.01% 100.00%$1,372,297 926PAN AMER LIFE GRP525117 72939.23% 0.01% 100.00%$1,365,564 2,927WESTERN GROCERS EMPLOYEE BENEFIT TRU12339118 072.31% 0.01% 100.00%$1,296,510 3,856ASSURITY GRP4862119 11775.49% 0.01% 100.00%$1,274,839 5,740AMERICAN FIDELITY CORP GRP330120 3,19047.95% 0.01% 100.00%$1,109,398 1,104BLUE SHIELD OF CA GRP2798121 712711.65% 0.00% 100.00%$1,090,031 1,468PREFERRED INS GRP4819122 1,46830.58% 0.00% 100.00%$1,062,044 251NETCARE LIFE & HLTH INS CO60246123 1185.50% 0.00% 100.00%

$944,910 3,640AFLAC GRP370124 2,46317.84% 0.00% 100.00%$921,016 5,542HEALTHMARKETS GRP264125 3,41842.67% 0.00% 100.00%

$22,197,525,133 63,772,218GRAND TOTAL 23,126,95375.90% 100.00%

© 2017 National Association of Insurance Commissioners 218

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Medicare

$8,698,598,609 766,699UNITEDHEALTH GRP7071 766,69979.65% 37.51% 37.51%$4,302,886,190 355,389HUMANA GRP1192 355,38987.02% 18.56% 56.07%$2,102,840,820 227,942KAISER FOUNDATION GRP6013 204,02594.95% 9.07% 65.14%$1,730,557,484 132,608HIGHMARK GRP8124 132,60886.66% 7.46% 72.60%$1,337,034,906 113,204BCBS OF MI GRP5725 113,20586.20% 5.77% 78.37%$1,051,400,308 72,852EMBLEM HLTH GRP11276 72,62992.53% 4.53% 82.90%

$581,091,856 57,550CIGNA HLTH GRP9017 57,55092.98% 2.51% 85.41%$384,325,335 33,132HENRY FORD HLTH SYSTEM GRP13118 33,13290.03% 1.66% 87.07%$366,457,307 30,372GROUP HLTH COOP GRP11859 22,40491.06% 1.58% 88.65%$337,351,643 28,013LIFETIME HLTHCARE GRP118610 28,01379.97% 1.45% 90.10%$332,307,723 26,075MVP GRP119811 26,07587.84% 1.43% 91.53%$234,029,838 18,076TUFTS GRP474212 18,07690.35% 1.01% 92.54%$199,098,067 19,413GUIDEWELL MUT HOLDING GRP53613 17,61390.61% 0.86% 93.40%$191,586,603 16,878HCSC GRP91714 16,87884.57% 0.83% 94.23%$179,619,107 13,368CDPHP INC GRP470815 13,36077.72% 0.77% 95.00%$166,767,690 26,969RENOWN HLTH GRP479116 26,96992.48% 0.72% 95.72%$147,377,031 16,344SPECTRUM HLTH GRP338317 10,09587.37% 0.64% 96.36%$134,194,266 11,333AULTMAN HLTH FOUNDATION GRP480518 11,61193.57% 0.58% 96.94%$122,478,743 7,038INDEPENDENCE HLTH GRP INC GRP93619 7,03873.67% 0.53% 97.47%

$79,515,701 7,926CAMBIA HEALTH SOLUTIONS INC120720 7,92691.72% 0.34% 97.81%$74,044,909 1,427AHF GRP483321 197.29% 0.32% 98.13%$70,288,699 5,119ANTHEM INC GRP67122 5,11971.87% 0.30% 98.43%$51,592,040 5,182PIEDMONT COMM HLTH GRP484523 5,18290.54% 0.22% 98.65%$51,067,282 12,011BCBS OF MN GRP46124 12,01190.48% 0.22% 98.87%$45,326,855 3,141CAPITAL BLUE CROSS GRP123025 3,14182.11% 0.20% 99.07%$44,614,860 3,381BCBS OF RI5347326 3,38187.76% 0.19% 99.26%$42,365,184 4,950HOPKINS HLTH ADVANTAGE INC1570027 195.17% 0.18% 99.44%$31,143,728 2,215BCBS OF TN GRP349828 2,21584.31% 0.13% 99.58%$26,810,385 2,960HEALTHSPAN PARTNERS GRP483129 4560.34% 0.12% 99.69%$25,386,262 0AEGON US HOLDING GRP46830 059.31% 0.11% 99.80%$16,002,426 1,582VANGUARD HLTH VENTURES GRP121231 1,58285.73% 0.07% 99.87%$14,220,832 1,289BCBS OF KC GRP53732 1,28974.96% 0.06% 100.00%

$9,847,425 1,319PACIFICSOURCE HLTH PLAN GRP470433 1,319132.51% 0.04% 100.00%

© 2017 National Association of Insurance Commissioners 219

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Medicare

$3,108,843 1,865UNION HLTH SERV INC5255334 1119.76% 0.01% 100.00%$1,819,486 0AMERICAN NATL FIN GRP40835 025.51% 0.01% 100.00%

$655,000 123HEALTHPARTNERS GRP125836 12373.89% 0.00% 100.00%

$23,187,813,443 2,027,745GRAND TOTAL 1,976,70585.27% 100.00%

© 2017 National Association of Insurance Commissioners 220

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Medicare Part D - Stand-Alone

$340,833,528 32,622BCBS OF MI GRP5721 23,85986.22% 32.18% 32.18%$137,306,877 0EMBLEM HLTH GRP11272 052.92% 12.96% 45.14%$107,327,522 87,787EXPRESS SCRIPTS HOLDING GRP48133 87,787145.91% 10.13% 55.28%

$89,074,172 50,922BCBS OF MA GRP36374 50,92292.57% 8.41% 63.69%$55,472,033 63,676MAGELLAN HLTH INC GRP12605 63,67691.69% 5.24% 68.92%$52,768,109 59,647CIGNA HLTH GRP9016 59,64782.95% 4.98% 73.91%$45,692,916 28,291ANTHEM INC GRP6717 28,29168.60% 4.31% 78.22%$44,977,943 27,785BCBS OF MN GRP4618 27,78581.80% 4.25% 82.47%$44,590,063 15,978CVS CAREMARK GRP46679 15,97859.27% 4.21% 86.68%$29,321,927 8,201LIFETIME HLTHCARE GRP118610 8,20184.92% 2.77% 89.45%$28,996,361 16,176ENVISION INS CO1274711 16,17679.03% 2.74% 92.18%$17,262,191 8,202HUMANA GRP11912 8,20274.18% 1.63% 93.81%$14,105,708 8,172HCSC GRP91713 8,17281.48% 1.33% 95.15%

$9,139,057 4,117INDEPENDENCE HLTH GRP INC GRP93614 4,11769.72% 0.86% 96.01%$8,862,467 3,390BCBS OF RI5347315 3,39076.32% 0.84% 96.84%$8,009,416 6,036WELLMARK INC GRP77016 6,03687.52% 0.76% 97.60%$7,757,212 8,564TUFTS GRP474217 8,56479.10% 0.73% 98.33%$4,189,701 1,846CAPITAL BLUE CROSS GRP123018 1,84661.16% 0.40% 98.73%$3,349,893 736UPMC HLTH SYSTEM GRP132419 73697.11% 0.32% 99.05%$3,305,227 3,079HIGHMARK GRP81220 3,086171.06% 0.31% 99.36%$3,201,307 1,794CAMBIA HEALTH SOLUTIONS INC120721 1,79450.77% 0.30% 99.66%$2,540,467 805EDUCATORS MUT GRP12622 2100.03% 0.24% 99.90%

$396,096 367BCBS OF SC GRP66123 36768.34% 0.04% 100.00%$372,236 302RENOWN HLTH GRP479124 302268.69% 0.04% 100.00%$269,996 336MVP GRP119825 336106.87% 0.03% 100.00%

$28,052 17SPECTRUM HLTH GRP338326 170.02% 0.00% 100.00%

$1,059,150,477 486,074GRAND TOTAL 476,51585.95% 100.00%

© 2017 National Association of Insurance Commissioners 221

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Other Group Care

$873,236,342 1,280,951UPMC HLTH SYSTEM GRP13241 088.35% 14.59% 14.59%$785,153,853 78,339AMERICAN INTL GRP122 28,65460.03% 13.12% 27.71%$474,618,718 607,872MAGELLAN HLTH INC GRP12603 396,60086.58% 7.93% 35.64%$375,805,748 22,750,237CHUBB LTD GRP6264 9,26547.93% 6.28% 41.92%$361,242,285 1,293,133UNITEDHEALTH GRP7075 1,010,36556.49% 6.04% 47.96%$325,931,813 429,499NESTLE SA GRP44836 3,65475.58% 5.45% 53.41%$283,539,776 106,432GENEVE HOLDINGS INC GRP4507 80,06662.34% 4.74% 58.15%$264,416,986 7,163,349HIGHMARK GRP8128 4,567,21284.73% 4.42% 62.56%$218,145,271 774,055AEGON US HOLDING GRP4689 470,68348.06% 3.65% 66.21%$206,022,705 116,887TORCHMARK CORP GRP29010 116,86580.54% 3.44% 69.65%$160,346,037 965,804METROPOLITAN GRP24111 10,80538.11% 2.68% 72.33%$152,367,099 207,116HARTFORD FIRE & CAS GRP9112 85873.79% 2.55% 74.88%$121,659,930 1,325,618ANTHEM INC GRP67113 694,47281.56% 2.03% 76.91%$103,337,065 172,657BCBS OF SC GRP66114 156,54251.21% 1.73% 78.64%$102,742,593 0WHITE MOUNTAINS GRP112915 031.03% 1.72% 80.35%

$84,871,857 177,449FIDELITY SECURITY GRP45116 107,50051.15% 1.42% 81.77%$77,684,291 193,887UNUM GRP56517 7,27735.48% 1.30% 83.07%$72,011,388 379,555AFLAC GRP37018 256,86544.00% 1.20% 84.27%$68,255,194 35,777TUFTS GRP474219 35,77789.76% 1.14% 85.42%$59,699,526 41,968UNION HLTH SERV INC5255320 3105.63% 1.00% 86.41%$56,144,000 0HEALTHPARTNERS GRP125821 0103.63% 0.94% 87.35%$52,679,134 0UNIVERSITY HLTH ALLIANCE4795322 077.29% 0.88% 88.23%$47,758,422 2,036AHF GRP483323 1106.11% 0.80% 89.03%$43,524,999 235,889ALLSTATE INS GRP824 132,93948.99% 0.73% 89.76%$42,878,643 20,613CIGNA HLTH GRP90125 57966.19% 0.72% 90.47%$39,587,895 909,159NATIONWIDE CORP GRP14026 831,94052.05% 0.66% 91.13%$38,137,572 363,119BCS INS GRP2327 354,24043.54% 0.64% 91.77%$31,558,344 5,816BCBS OF MI GRP57228 2,52882.47% 0.53% 92.30%$31,301,518 596,968ASSURANT INC GRP1929 346,44757.90% 0.52% 92.82%$25,905,724 57,932BCBS OF MA GRP363730 33,11978.57% 0.43% 93.26%$25,450,576 20,453WESTBRIDGE CAPITAL GRP83931 13,331181.72% 0.43% 93.68%$24,781,049 15,980PAN AMER LIFE GRP52532 1,96173.10% 0.41% 94.09%$23,239,379 37,244AMFIRST HOLDINGS GRP471933 20,66151.06% 0.39% 94.48%

© 2017 National Association of Insurance Commissioners 222

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Other Group Care

$22,084,933 49,167CAREFIRST INC GRP38034 23,38284.65% 0.37% 94.85%$21,800,959 399,117BCBS OF TN GRP349835 200,10965.15% 0.36% 95.22%$21,435,001 52,344TOKIO MARINE HOLDINGS INC GRP309836 9,20649.67% 0.36% 95.57%$17,477,346 2,634UNIFIED LIFE INS CO1112137 2,63487.44% 0.29% 95.87%$15,908,000 310HAWAII MGMT ALLIANCE ASSN4833038 1636.85% 0.27% 96.13%$15,606,680 177,123AMEX ASSUR CO2792839 127,8477.42% 0.26% 96.39%$14,460,807 0BALDWIN & LYONS GRP86740 052.62% 0.24% 96.63%$13,732,892 8,148GUARANTEE TRUST GRP68741 6,41147.22% 0.23% 96.86%$11,937,214 184,421GUARDIAN LIFE GRP42942 9,80167.53% 0.20% 97.06%$11,673,314 211,914HERITAGE VISION PLANS INC1120443 95,10080.86% 0.20% 97.26%$10,999,347 0DELTA DENTAL OF KS GRP463844 085.06% 0.18% 97.44%$10,904,286 966,150EMBLEM HLTH GRP112745 470,815(18.92)% 0.18% 97.63%$10,674,271 0BLUE SHIELD OF CA GRP279846 061.35% 0.18% 97.80%$10,381,370 291,879ALLIANZ INS GRP76147 183,42439.49% 0.17% 97.98%

$9,716,439 5,264AMERICAN NATL FIN GRP40848 3,28382.80% 0.16% 98.14%$9,232,385 94,120CENTENE CORP GRP129549 36,60789.57% 0.15% 98.29%$7,979,501 134,721SHELTERPOINT GRP INC480350 61,15156.50% 0.13% 98.43%$7,555,914 33,661ARKANSAS BCBS GRP87651 9530.13% 0.13% 98.55%$6,563,103 74,208DELTA DENTAL PLAN OF AR INC4715552 43,05250.24% 0.11% 98.66%$5,492,670 16,846HALLMARK FIN SERV GRP347853 47026.12% 0.09% 98.75%$5,070,516 28,768HUMANA GRP11954 16,14422.30% 0.08% 98.84%$4,076,755 33,981BCBS OF AZ INC5358955 092.89% 0.07% 98.91%$3,875,474 40,852NORIDIAN MUT INS CO5589156 20,07585.47% 0.06% 98.97%$3,484,559 0TENNESSEE FARMERS GRP69457 1,528,36812.34% 0.06% 99.03%$2,840,204 3,027BOSTON MUT GRP58158 90197.09% 0.05% 99.08%$2,678,857 21,804GUIDEWELL MUT HOLDING GRP53659 12,45278.98% 0.04% 99.12%$2,642,458 50,874BCBS OF NJ GRP120260 24,69874.54% 0.04% 99.17%$2,532,372 0LIBERTY UNION LIFE ASSUR CO6675361 040.62% 0.04% 99.21%$2,359,985 0NATL GEN GRP94862 052.50% 0.04% 99.25%$2,301,313 3,713KEMPER CORP GRP21563 3,60552.74% 0.04% 99.29%$2,282,407 5,971MUTUAL OF OMAHA GRP26164 5,210(78.12)% 0.04% 99.33%$2,139,871 5,312TRUSTMARK MUT HOLDING CO GRP27665 5,000(37.56)% 0.04% 99.36%$2,119,642 55,753ROYAL STATE NATL INS CO LTD6855166 595.85% 0.04% 99.40%

© 2017 National Association of Insurance Commissioners 223

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Other Group Care

$1,850,118 1,331ELAN SOLUTIONS INC1607467 84668.85% 0.03% 99.43%$1,844,986 0CITIZENS SECURITY LIFE INS CO6192168 058.70% 0.03% 99.46%$1,801,116 31,250NORTHEAST DELTA DENTAL GRP476369 54855.10% 0.03% 99.49%$1,736,724 0MAPFRE INS GRP41170 080.39% 0.03% 99.52%$1,669,859 0AMERICAN FIN SECURITY LIFE INS CO6933771 080.66% 0.03% 99.55%$1,617,581 30,071EDUCATORS MUT GRP12672 36562.40% 0.03% 99.57%$1,589,051 14,058CUNA MUT GRP30673 14,058(3.46)% 0.03% 99.60%$1,547,391 13,224MISSISSIPPI INS GRP112674 6,21285.41% 0.03% 99.62%$1,435,463 126FAIRFAX FIN GRP15875 153.12% 0.02% 99.65%$1,430,646 169NEW ERA LIFE GRP52076 692.49% 0.02% 99.67%$1,427,791 17,730WISCONSIN PHYSICIANS SERV INS GRP6877 7338.29% 0.02% 99.70%$1,318,894 5,819ASSURITY GRP486278 3,47331.52% 0.02% 99.72%$1,307,042 30,230SOLSTICE GRP486679 1,56044.47% 0.02% 99.74%$1,294,326 3,617BCBS OF MN GRP46180 3,617(821.23)% 0.02% 99.76%$1,241,244 0GREAT WEST GRP76981 067.87% 0.02% 99.78%$1,161,727 36,997AMERITAS MUT HOLDING GRP94382 5249.12% 0.02% 99.80%

$988,293 7,013GROUP HLTH COOP GRP118583 3,22257.47% 0.02% 99.82%$977,233 1,001SUMMA HLTH GRP325984 1,00177.65% 0.02% 99.83%$896,156 3,049ATLANTIC AMER GRP58785 3,04940.31% 0.01% 99.85%$775,065 0LINCOLN NATL GRP2086 0(107.82)% 0.01% 99.86%$743,836 3,421UNION LABOR GRP78187 2,55232.68% 0.01% 99.88%$693,955 )(4,831GENERAL ELECTRIC GRP35088 4,19817.00% 0.01% 99.89%$658,147 3,469HEALTHMARKETS GRP26489 2,31755.52% 0.01% 99.90%$566,221 409INTER AMER GRP86390 3350.46% 0.01% 100.00%$534,694 335CROY HALL MGMT GRP133991 16318.69% 0.01% 100.00%$485,626 6,503NIPPON LIFE INS CO OF AMER8126492 4,38556.95% 0.01% 100.00%$471,784 391MEDICAL BENEFITS MUT LIFE INS CO7432293 18337.20% 0.01% 100.00%$455,947 51,112JACKSON NATL GRP91894 51,112(91.86)% 0.01% 100.00%$418,766 2,469MARKEL CORP GRP78595 2821.37% 0.01% 100.00%$373,430 1,310HSA HLTH INS CO1574396 48036.46% 0.01% 100.00%$327,549 297AMTRUST NGH GRP253897 28050.32% 0.01% 100.00%$280,029 0CITIZENS GRP61298 087.33% 0.00% 100.00%$263,260 0NATIONAL SECURITY GRP31699 16176.19% 0.00% 100.00%

© 2017 National Association of Insurance Commissioners 224

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Other Group Care

$255,343 5,889CNO FINANCIAL GRP233100 5,893(378.24)% 0.00% 100.00%$233,282 3,980TIMBER PRODUCTS MANUFACTURERS TRUST12239101 055.18% 0.00% 100.00%$231,775 0BCBS OF WY53767102 096.19% 0.00% 100.00%$217,793 67CONTINENTAL GEN INS CO71404103 5546.04% 0.00% 100.00%$174,604 7AMERICAN FIDELITY CORP GRP330104 7243.58% 0.00% 100.00%$144,338 0HCSC GRP917105 0226.11% 0.00% 100.00%$143,187 588GENWORTH FIN GRP4011106 58887.13% 0.00% 100.00%

$99,663 1,021WMI MUT INS CO68420107 51652.06% 0.00% 100.00%$80,582 0MAGNA INS CO61018108 1(36.13)% 0.00% 100.00%$58,755 23VOYA FINANCIAL GRP4832109 17685.23% 0.00% 100.00%$51,345 18LIFE INS CO OF AL65412110 9(13.22)% 0.00% 100.00%$45,041 1,488DENTAQUEST GRP4512111 0102.79% 0.00% 100.00%$36,268 0UNDERWRITERS AT LLOYDS32727112 0(18,416.65)% 0.00% 100.00%$32,599 381RENAISSANCE HLTH SERV CORP GRP477113 18679.24% 0.00% 100.00%$28,813 76SENTRY INS GRP169114 7617.90% 0.00% 100.00%$28,408 110US HLTH & LIFE INS CO INC97772115 157.27% 0.00% 100.00%$25,959 366HORACE MANN GRP300116 28543.47% 0.00% 100.00%$19,939 0USIC GRP3593117 060.00% 0.00% 100.00%$12,851 0UNDERWRITERS AT LLOYD'S LONDON15642118 00.00% 0.00% 100.00%$12,565 27MINNESOTA MUT GRP869119 56.36% 0.00% 100.00%

$3,365 1JEFFERSON NATIONAL GRP4836120 176.46% 0.00% 100.00%$1,109 6COMMERCIAL TRAVELERS MUT INS CO81426121 62.34% 0.00% 100.00%

$120 4SOUTHERN FARM BUREAU LIFE INS CO68896122 4(3,200.00)% 0.00% 100.00%

$5,984,178,231 43,592,504GRAND TOTAL 12,692,70168.16% 100.00%

© 2017 National Association of Insurance Commissioners 225

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© 2017 National Association of Insurance Commissioners 226

Accident and Health Policy Experience Report

Other Business

© 2017 National Association of Insurance Commissioners 227

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© 2017 National Association of Insurance Commissioners 228

Market Share for the Top 125 InsurersOther Business

© 2017 National Association of Insurance Commissioners 229

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© 2017 National Association of Insurance Commissioners 230

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Other Business Market Share for All Statement Types

Grand Total for Other Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

$2,515,840,248 27,268,892CIGNA HLTH GRP9011 66,08479.83% 15.35% 15.35%$1,346,154,400 3,016,347UNITEDHEALTH GRP7072 1,025,37188.24% 8.21% 23.56%$1,152,090,789 4,626,868SUN LIFE ASSUR CO OF CN GRP5493 1,89176.48% 7.03% 30.59%$1,050,275,659 29,331,330ANTHEM INC GRP6714 14,175,51071.33% 6.41% 37.00%$1,010,274,532 3,209,018TOKIO MARINE HOLDINGS INC GRP30985 2,99878.30% 6.16% 43.17%

$863,357,037 18,649,300AETNA GRP16 9,202,31181.47% 5.27% 48.43%$856,806,474 5,192,048VOYA FINANCIAL GRP48327 2,257,41377.84% 5.23% 53.66%$734,445,897 10,605,088HIGHMARK GRP8128 5,219,32574.17% 4.48% 58.14%$618,933,161 10,658,677HCSC GRP9179 4,967,55384.52% 3.78% 61.92%$565,457,488 2,057,378SUMITOMO LIFE INS GRP485510 1,016,89367.71% 3.45% 65.37%$407,768,940 1,612,145BCBS OF SC GRP66111 876,62781.75% 2.49% 67.86%$311,723,510 3,061,462BCBS OF MI GRP57212 1,608,66575.02% 1.90% 69.76%$310,809,697 2,698,061CUNA MUT GRP30613 2,698,06145.42% 1.90% 71.65%$274,311,395 1,245,040WR BERKLEY CORP GRP9814 62379.23% 1.67% 73.33%$200,630,220 1,270,645BCBS OF MN GRP46115 583,56381.50% 1.22% 74.55%$163,048,937 1,243,752WELLMARK INC GRP77016 569,80787.27% 0.99% 75.55%$161,575,303 4,673,452FAIRFAX FIN GRP15817 59575.87% 0.99% 76.53%$160,777,965 533,367AEGON US HOLDING GRP46818 161,00771.12% 0.98% 77.51%$158,936,574 695,961ASSURANT INC GRP1919 673,79772.02% 0.97% 78.48%$146,691,601 2,913,448MUNICH RE GRP36120 14,945100.23% 0.90% 79.38%$138,111,171 226,047CHINA MINSHENG GRP486321 150,55769.93% 0.84% 80.22%$126,913,379 472,818MEDICAL MUT OF OH GRP73022 219,16270.07% 0.77% 81.00%$123,373,701 60,705TRUSTMARK MUT HOLDING CO GRP27623 35,68176.94% 0.75% 81.75%$121,630,015 285,673ZURICH INS GRP21224 158,70791.42% 0.74% 82.49%$121,527,108 151,144NATIONWIDE CORP GRP14025 126,78761.59% 0.74% 83.23%$120,915,629 163,870NORIDIAN MUT INS CO5589126 74,85881.70% 0.74% 83.97%$109,661,340 683,725FORTRESS GRP471627 317,77337.08% 0.67% 84.64%$104,811,826 1,648,132HUMANA GRP11928 1,347,34179.11% 0.64% 85.28%$102,885,696 1,723,794BCBS OF MA GRP363729 824,45686.87% 0.63% 85.91%

$93,770,387 1,612,251PREMERA BLUE CROSS GRP96230 674,05577.49% 0.57% 86.48%$89,758,384 489,399UNION LABOR GRP78131 213,13162.66% 0.55% 87.03%$88,618,312 1,628,310BCBS OF NC GRP75832 973,83374.56% 0.54% 87.57%$84,646,656 54,349PAN AMER LIFE GRP52533 7,15172.62% 0.52% 88.08%

© 2017 National Association of Insurance Commissioners 231

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Other Business Market Share for All Statement Types

Grand Total for Other Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

$84,401,875 685,500BCS INS GRP2334 329,51799.57% 0.51% 88.60%$83,665,506 208,581AMERICAN FIDELITY CORP GRP33035 125,41864.87% 0.51% 89.11%$83,509,000 0HEALTHPARTNERS GRP125836 097.61% 0.51% 89.62%$77,372,983 899,821TIPTREE FIN GRP471837 899,82121.53% 0.47% 90.09%$72,658,507 0MEDICA GRP155238 095.12% 0.44% 90.53%$71,479,490 682,768CAPITAL BLUE CROSS GRP123039 327,96798.67% 0.44% 90.97%$71,410,096 692,555HOUSTON INTL INS GRP438140 20680.68% 0.44% 91.41%$69,285,324 602,389MINNESOTA MUT GRP86941 602,38935.23% 0.42% 91.83%$67,939,647 0SWISS RE GRP18142 089.69% 0.41% 92.24%$67,752,117 2,700,740GUIDEWELL MUT HOLDING GRP53643 1,474,94049.27% 0.41% 92.66%$67,530,338 379,163AMERICAN NATL FIN GRP40844 310,46043.77% 0.41% 93.07%$66,621,176 201,865FIDELITY SECURITY GRP45145 114,21068.89% 0.41% 93.47%$60,978,607 104,333BCBS OF KS GRP43046 49,72196.33% 0.37% 93.85%$58,203,630 0CHUBB LTD GRP62647 053.17% 0.36% 94.20%$57,039,250 1,020,630BCBS OF AZ INC5358948 503,38773.00% 0.35% 94.55%$56,536,081 1,491,898BCBS OF TN GRP349849 808,52269.56% 0.34% 94.89%$55,804,141 1,999,733GUARDIAN LIFE GRP42950 1,171,71085.08% 0.34% 95.24%$46,803,107 31,858AMTRUST NGH GRP253851 21,699150.73% 0.29% 95.52%$45,801,036 48,597IRONSHORE GRP450952 17268.36% 0.28% 95.80%$44,699,344 131,016CAREFIRST INC GRP38053 64,97450.68% 0.27% 96.07%$44,430,762 280,183BCBS OF NE GRP485854 127,24092.01% 0.27% 96.34%$42,902,332 985,850CAMBIA HEALTH SOLUTIONS INC120755 461,64351.21% 0.26% 96.61%$40,191,237 224,679CENTRAL STATES GRP69056 224,67923.25% 0.25% 96.85%$40,147,153 548,001LIFETIME HLTHCARE GRP118657 260,078101.54% 0.24% 97.10%$36,725,727 59,545EDUCATORS MUT GRP12658 42993.24% 0.22% 97.32%$30,083,116 86,091PREFERREDONE GRP349259 41,68377.88% 0.18% 97.50%$27,274,330 18,940,772PARTNERRE GRP348360 24376.79% 0.17% 97.67%$25,318,971 229,493BLUE CROSS OF ID GRP129061 107,90395.11% 0.15% 97.82%$24,374,472 159,350LOUISIANA HLTH SERV GRP43862 79,90861.48% 0.15% 97.97%$22,829,581 47,312BENCHMARK INS CO4139463 063.89% 0.14% 98.11%$22,470,083 0SPECTRUM HLTH GRP338364 00.00% 0.14% 98.25%$21,358,838 268,411BCBS OF KC GRP53765 112,720(14.45)% 0.13% 98.38%$17,644,410 0BCBS OF NJ GRP120266 046.41% 0.11% 98.49%

© 2017 National Association of Insurance Commissioners 232

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Other Business Market Share for All Statement Types

Grand Total for Other Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

$17,562,317 58,292AMALGAMATED LIFE INS CO6021667 4869.16% 0.11% 98.59%$16,786,330 19,909AULTMAN HLTH FOUNDATION GRP480568 30,32098.27% 0.10% 98.70%$14,964,407 80,568WISCONSIN PHYSICIANS SERV INS GRP6869 57,11356.76% 0.09% 98.79%$13,888,182 183,917HEALTH NOW NY INC5520470 82,09780.71% 0.08% 98.87%$13,338,552 116,492PRESBYTERIAN HLTHCARE SERV GRP48171 74,845106.26% 0.08% 98.95%$12,847,980 68,987PROTECTIVE LIFE INS GRP45872 68,98720.12% 0.08% 99.03%$10,662,035 466,501RGA INC GRP463973 0100.27% 0.07% 99.10%

$9,961,765 193,801BCBS OF RI5347374 81,09916.44% 0.06% 99.16%$9,263,802 44,532CARLE HOLDING CO GRP119275 20,21858.37% 0.06% 99.22%$8,961,697 17,361XL AMER GRP128576 3580.45% 0.05% 99.27%$8,425,186 69,079HAWAII MEDICAL SERV ASSN4994877 30,26491.97% 0.05% 99.32%$8,376,524 34,055PACIFICSOURCE HLTH PLAN GRP470478 1243.82% 0.05% 99.37%$7,949,336 44,360PEKIN INS GRP15379 41,83635.48% 0.05% 99.42%$7,942,257 35,523STATE FARM GRP17680 35,52336.74% 0.05% 99.47%$7,379,381 87,369SWBC LIFE INS CO9953881 87,36915.59% 0.05% 99.51%$7,259,217 1,979ENSTAR GRP472582 1,979(4.90)% 0.04% 99.56%$5,708,836 78,818BERKSHIRE HATHAWAY GRP3183 74,80516.40% 0.03% 99.59%$5,276,241 356,052HARVARD PILGRIM HLTH CARE GRP59584 164,06671.11% 0.03% 99.63%$5,262,170 198,260IHC INC GRP88085 69,64476.49% 0.03% 99.66%$5,020,384 994,508UPMC HLTH SYSTEM GRP132486 27,68852.10% 0.03% 99.69%$4,830,948 0OREGON DENTAL GRP131387 0366.06% 0.03% 99.72%$4,676,805 21,547NETWORK HLTH GRP267888 881.88% 0.03% 99.75%$4,119,701 0HEALTH PLAN GRP129789 067.06% 0.03% 99.77%$3,636,826 13,949AMERICAN ENTERPRISE MUT GRP352790 13,94922.17% 0.02% 99.79%$3,352,740 11,680EVERENCE GRP461691 5,05798.64% 0.02% 99.81%$3,159,142 28,873INVESTORS HERITAGE LIFE INS CO6490492 14435.22% 0.02% 99.83%$2,697,787 268NATIONAL WESTERN LIFE INS CO6685093 26896.26% 0.02% 99.85%$2,662,027 103,602BCBS OF VT GRP474594 52,47591.21% 0.02% 99.87%$2,638,047 304,788KAISER FOUNDATION GRP60195 3018.40% 0.02% 99.88%$2,007,995 57,172VANGUARD HLTH VENTURES GRP121296 23,05612.41% 0.01% 99.89%$1,908,760 12,234GUARANTEE TRUST GRP68797 1,45036.76% 0.01% 100.00%$1,139,165 63,616ZALE CORP GRP66998 28,544(0.60)% 0.01% 100.00%$1,113,629 1,978WEA INS CORP7227399 7358.21% 0.01% 100.00%

© 2017 National Association of Insurance Commissioners 233

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Other Business Market Share for All Statement Types

Grand Total for Other Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

$1,049,733 0NATL GEN GRP948100 027.65% 0.01% 100.00%$1,002,883 134,830ROCKY MOUNTAIN HLTH GRP1184101 134,830156.83% 0.01% 100.00%

$999,788 7,841INDIVIDUAL ASSUR CO LIFE HLTH & ACC81779102 025.63% 0.01% 100.00%$991,041 5,335MAPFRE INS GRP411103 5,3356.47% 0.01% 100.00%$913,925 10,874DELTA GRP598104 10,87411.96% 0.01% 100.00%$873,717 7,170KENTUCKY NATL INS GRP4703105 7,16530.36% 0.01% 100.00%$726,308 0WICHITA NATL LIFE GRP132106 024.47% 0.00% 100.00%$702,856 14,475CITIZENS GRP612107 14,4753.98% 0.00% 100.00%$697,634 3,533FIRST NATL LIFE INS CO OF USA74233108 3,53340.86% 0.00% 100.00%$650,421 1,501BCBS OF WY53767109 65914.98% 0.00% 100.00%$633,107 3,242LIFE ASSUR CO INC85677110 3,02619.77% 0.00% 100.00%$531,408 0GGC GRP4736111 064.22% 0.00% 100.00%$462,725 0MOUNTAIN LIFE INS CO80020112 00.00% 0.00% 100.00%$407,073 0COOPERATIVA DE SEGUROS DE VIDA79715113 07.66% 0.00% 100.00%$379,936 3,794LANDCAR INS GRP503114 3,79414.01% 0.00% 100.00%$294,374 0INDEPENDENT HLTH ASSN GRP4894115 046.12% 0.00% 100.00%$283,751 5,324PHYSICIANS PLUS INS CORP95341116 2,1961,778.76% 0.00% 100.00%$272,735 333NIPPON LIFE INS CO OF AMER81264117 13651.71% 0.00% 100.00%$260,634 16,409HEALTH INS CO OF AMER INC13992118 573.50% 0.00% 100.00%$257,028 14,337KILPATRICK LIFE GRP4835119 14,33740.85% 0.00% 100.00%$179,467 145,094GEISINGER INS GRP1143120 66,439530.73% 0.00% 100.00%$139,877 17,652FIRSTCARE GRP3549121 17,664109.53% 0.00% 100.00%$129,547 2,156NEW ERA LIFE GRP520122 00.00% 0.00% 100.00%$121,029 20MULTINATIONAL GRP4804123 20(4.43)% 0.00% 100.00%$119,106 1,728AMERICAN INTL GRP12124 1,72899.21% 0.00% 100.00%$118,483 0ARKANSAS BANKERS LIFE INS CO86118125 69122.18% 0.00% 100.00%

$16,389,664,350 236,894,885GRAND TOTAL 72,143,62976.85% 100.00%

© 2017 National Association of Insurance Commissioners 234

Top 25 Groups by Company

Other Business

© 2017 National Association of Insurance Commissioners 235

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© 2017 National Association of Insurance Commissioners 236

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Other Business Market Share for All Statement Types

Top 25 Groups by Company

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code as of Dec 31 as of Dec 31Covered Lives

Number of

Rank Group/Company Name

Group

$2,515,840,248 27,268,89266,084CIGNA HLTH GRP9011 79.83% 15.35%$2,514,577,228 27,257,98265,835CIGNA HLTH & LIFE INS CO67369 79.84%

$1,263,020 10,910249CONNECTICUT GEN LIFE INS CO62308 67.74%

$1,346,154,400 3,016,3471,025,371UNITEDHEALTH GRP7072 88.24% 8.21%$387,274,415 208,739120,387ALL SAVERS INS CO82406 122.27%

$178,957 00ALL SAVERS LIFE INS CO OF CA73130 383.80%$0 8,1028,102SIERRA HLTH & LIFE INS CO INC71420 N/A

$272,133,457 948,016766UNIMERICA INS CO91529 74.49%$0 88,58342,594UNITED HLTHCARE INS CO OF IL60318 N/A

$38,426,982 71,53528,300UNITED HLTHCARE INS CO OF NY60093 45.17%$648,140,589 1,691,372825,222UNITEDHEALTHCARE INS CO79413 76.14%

$1,152,090,789 4,626,8681,891SUN LIFE ASSUR CO OF CN GRP5493 76.48% 7.03%$80,995,411 264,258110SUN LIFE & HLTH INS CO80926 81.35%

$1,071,095,378 4,362,6101,781US BR SUN LIFE ASSUR CO OF CANADA80802 76.12%

$1,050,275,659 29,331,33014,175,510ANTHEM INC GRP6714 71.33% 6.41%$95,734,047 5,324,5642,573,207ANTHEM BLUE CROSS LIFE & HLTH INS CO62825 82.66%$66,785,378 1,027,257473,882ANTHEM HLTH PLANS INC60217 82.26%

$0 1,244,198623,583ANTHEM HLTH PLANS OF KY INC95120 N/A$6,243,877 160,97279,387ANTHEM HLTH PLANS OF ME INC52618 70.03%$4,620,642 141,66967,357ANTHEM HLTH PLANS OF NH53759 89.87%

$150,433,797 2,023,0771,034,577ANTHEM HLTH PLANS OF VA INC71835 64.34%$265,617,882 5,866,0972,738,044ANTHEM INS CO INC28207 66.34%

$0 20,60520,605ANTHEM LIFE INS CO61069 N/A$53,803,473 923,745482,473BCBS HLTHCARE PLAN OF GA INC96962 68.34%$34,945,629 2,099,6631,011,613BCBS OF GA INC54801 76.41%$41,626,646 877,640396,632BCBS OF WI54003 57.55%

$194,736,916 3,412,4671,571,438COMMUNITY INS CO10345 80.38%$0 26,67113,126COMPCARE HLTH SERV INS CORP95693 N/A

© 2017 National Association of Insurance Commissioners 237

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Other Business Market Share for All Statement Types

Top 25 Groups by Company

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code as of Dec 31 as of Dec 31Covered Lives

Number of

Rank Group/Company Name

Group

$53,989,389 3,858,3111,873,551EMPIRE HEALTHCHOICE ASSUR INC550934 58.64%$0 3,1083,108GREATER GA LIFE INS CO97217 N/A$0 179,815109,261HEALTHKEEPERS INC95169 N/A$0 304,852166,156HEALTHLINK HMO INC96475 N/A

$41,886,602 555,545279,629HEALTHY ALLIANCE LIFE INS CO78972 66.54%$1,942,051 51,65824,874HMO CO INC95473 12.16%

$0 3,0602,146HMO MO INC95358 N/A$1,747,418 111,83546,967MATTHEW THORTON HLTH PLAN INC95527 33.74%

$36,161,912 924,415492,816ROCKY MOUNTAIN HOSPITAL & MEDICAL11011 81.02%$0 190,10691,078UNICARE LIFE & HLTH INS CO80314 N/A

$1,010,274,532 3,209,0182,998TOKIO MARINE HOLDINGS INC GRP30985 78.30% 6.16%$254,795 2131FIRST RELIANCE STANDARD LIFE INS CO71005 168.76%

$933,389,815 3,137,7052,803HCC LIFE INS CO92711 76.60%$76,629,922 71,100194RELIANCE STANDARD LIFE INS CO68381 98.65%

$863,357,037 18,649,3009,202,311AETNA GRP16 81.47% 5.27%$0 4,0252,112AETNA HEALTH INC LA95173 N/A$0 7,5773,603AETNA HLTH INC GA CORP95094 N/A$0 56,96430,505AETNA HLTH INC PA CORP95109 N/A$0 6443AETNA HLTH OF IA INC95241 N/A

$856,845,720 18,165,7268,951,212AETNA LIFE INS CO60054 81.25%$0 32,02720,244ALTIUS HLTH PLANS INC95407 N/A

$6,511,317 8,3033,352COVENTRY HLTH & LIFE INS CO81973 110.84%$0 31,14928,389COVENTRY HLTH CARE OF FL INC95114 N/A$0 28,78313,772COVENTRY HLTH CARE OF IL INC74160 N/A$0 13,2344,750COVENTRY HLTH CARE OF KS INC95489 N/A$0 199,45093,156COVENTRY HLTH CARE OF MO INC96377 N/A$0 6,3493,467COVENTRY HLTH CARE OF NE INC95925 N/A$0 6,5803,476COVENTRY HLTH CARE OF VA INC96555 N/A$0 89,06944,230INNOVATION HLTH INS CO15097 N/A

© 2017 National Association of Insurance Commissioners 238

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Other Business Market Share for All Statement Types

Top 25 Groups by Company

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code as of Dec 31 as of Dec 31Covered Lives

Number of

Rank Group/Company Name

Group

$856,806,474 5,192,0482,257,413VOYA FINANCIAL GRP48327 77.84% 5.23%$804,628,274 4,899,2792,130,122RELIASTAR LIFE INS CO67105 77.41%

$52,178,200 292,769127,291RELIASTAR LIFE INS CO OF NY61360 84.57%

$734,445,897 10,605,0885,219,325HIGHMARK GRP8128 74.17% 4.48%$0 1,154500FIRST PRIORITY LIFE INS CO INC60147 N/A$0 229,875118,194HIGHMARK BCBSD INC53287 N/A

$116,170,377 445,104222,552HIGHMARK CAS INS CO35599 60.21%$2,265,544 2,429,9851,135,053HIGHMARK INC54771 63.88%

$22,932,817 88,53041,386HIGHMARK WEST VIRGINIA INC.54828 68.34%$0 15397HM HLTH INS CO71768 N/A

$549,359,999 6,884,4853,442,242HM LIFE INS CO93440 77.02%$43,717,160 477,384238,692HM LIFE INS CO OF NY60213 79.12%

$0 15,4966,871HMO OF NE PA96601 N/A$0 32,92213,738KEYSTONE HLTH PLAN W INC95048 N/A

$618,933,161 10,658,6774,967,553HCSC GRP9179 84.52% 3.78%$278 00DEARBORN NATL LIFE INS CO OF NY85090 (6.83)%

$4,664,707 21,5549,158HCSC INS SERV CO78611 109.61%$614,268,176 10,637,1234,958,395HEALTH CARE SERV CORP A MUT LEGAL RE70670 84.33%

$565,457,488 2,057,3781,016,893SUMITOMO LIFE INS GRP485510 67.71% 3.45%$15,191,701 49,63524,533FIRST SYMETRA NATL LIFE INS CO OF NY78417 (1.22)%

$550,265,787 2,007,743992,360SYMETRA LIFE INS CO68608 69.62%

$407,768,940 1,612,145876,627BCBS OF SC GRP66111 81.75% 2.49%$25,545,756 943,218500,506BCBS OF SC INC38520 90.59%

$0 26,80913,859BLUECHOICE HLTHPLAN OF SC INC95741 N/A$371,362,963 625,301353,854COMPANION LIFE INS CO77828 81.49%

$10,860,221 16,8178,408NIAGARA LIFE & HLTH INS CO12285 69.86%

© 2017 National Association of Insurance Commissioners 239

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Other Business Market Share for All Statement Types

Top 25 Groups by Company

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code as of Dec 31 as of Dec 31Covered Lives

Number of

Rank Group/Company Name

Group

$311,723,510 3,061,4621,608,665BCBS OF MI GRP57212 75.02% 1.90%$311,723,510 3,061,4621,608,665BCBS OF MI MUT INS CO54291 75.02%

$310,809,697 2,698,0612,698,061CUNA MUT GRP30613 45.42% 1.90%$310,809,697 2,698,0612,698,061CMFG LIFE INS CO62626 45.42%

$274,311,395 1,245,040623WR BERKLEY CORP GRP9814 79.23% 1.67%$274,311,395 1,245,040623BERKLEY LIFE & HLTH INS CO64890 79.23%

$200,630,220 1,270,645583,563BCBS OF MN GRP46115 81.50% 1.22%$175,355,415 1,245,821571,198BCBSM INC55026 81.71%

$25,274,805 24,82412,365MII LIFE INC61522 80.05%

$163,048,937 1,243,752569,807WELLMARK INC GRP77016 87.27% 0.99%$0 209,94490,712WELLMARK HLTH PLAN OF IA INC95531 N/A

$163,048,937 914,714426,073WELLMARK INC88848 92.94%$0 119,09453,022WELLMARK OF SD INC60128 N/A

$161,575,303 4,673,452595FAIRFAX FIN GRP15817 75.87% 0.99%$161,575,303 4,673,452595UNITED STATES FIRE INS CO21113 75.87%

$160,777,965 533,367161,007AEGON US HOLDING GRP46818 71.12% 0.98%$297,912 13,31913,319TRANSAMERICA CAS INS CO10952 (1.63)%

$6,478,628 30,46317,502TRANSAMERICA FINANCIAL LIFE INS CO70688 78.13%$87,728,822 169,63286,975TRANSAMERICA LIFE INS CO86231 77.47%$66,272,603 319,95343,211TRANSAMERICA PREMIER LIFE INS CO66281 62.36%

$158,936,574 695,961673,797ASSURANT INC GRP1919 72.02% 0.97%$12,668,497 293,189293,189AMERICAN BANKERS INS CO OF FL10111 12.63%$19,087,371 281,917281,692AMERICAN BANKERS LIFE ASSUR CO OF FL60275 8.10%

© 2017 National Association of Insurance Commissioners 240

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Other Business Market Share for All Statement Types

Top 25 Groups by Company

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code as of Dec 31 as of Dec 31Covered Lives

Number of

Rank Group/Company Name

Group

$1,115,811 18,59718,597AMERICAN SECURITY INS CO4297819 3.58%$0 00JOHN ALDEN LIFE INS CO65080 N/A

$105,463 1,7581,758STANDARD GUAR INS CO42986 29.81%$125,130,141 51,45330,913TIME INS CO69477 88.75%

$829,291 49,04747,648UNION SECURITY LIFE INS CO OF NY81477 22.73%

$146,691,601 2,913,44814,945MUNICH RE GRP36120 100.23% 0.90%$146,691,601 2,913,44814,945AMERICAN ALT INS CORP19720 100.23%

$138,111,171 226,047150,557CHINA MINSHENG GRP486321 69.93% 0.84%$138,111,171 226,047150,557SIRIUS AMER INS CO38776 69.93%

$126,913,379 472,818219,162MEDICAL MUT OF OH GRP73022 70.07% 0.77%$126,913,379 472,818219,162MEDICAL MUT OF OH29076 70.07%

$123,373,701 60,70535,681TRUSTMARK MUT HOLDING CO GRP27623 76.94% 0.75%$0 00TRUSTMARK INS CO61425 N/A

$123,373,701 60,70535,681TRUSTMARK LIFE INS CO62863 77.07%

$121,630,015 285,673158,707ZURICH INS GRP21224 91.42% 0.74%$121,630,015 285,673158,707ZURICH AMER INS CO16535 91.42%

$121,527,108 151,144126,787NATIONWIDE CORP GRP14025 61.59% 0.74%$121,527,108 151,144126,787NATIONWIDE LIFE INS CO66869 61.59%

$16,389,664,350 236,894,88572,143,62926 76.85%

© 2017 National Association of Insurance Commissioners 241

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© 2017 National Association of Insurance Commissioners 242

Market Share by Statement TypeOther Business

© 2017 National Association of Insurance Commissioners 243

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© 2017 National Association of Insurance Commissioners 244

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Other Business Market Share for Life, Accident & Health

Grand Total Other Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

$2,515,840,248 27,268,892CIGNA HLTH GRP9011 66,08479.83% 22.02% 22.02%$1,307,727,418 2,848,127UNITEDHEALTH GRP7072 946,37589.50% 11.45% 33.47%$1,152,090,789 4,626,868SUN LIFE ASSUR CO OF CN GRP5493 1,89176.48% 10.08% 43.55%$1,010,274,532 3,209,018TOKIO MARINE HOLDINGS INC GRP30984 2,99878.30% 8.84% 52.39%

$856,845,720 18,165,726AETNA GRP15 8,951,21281.25% 7.50% 59.89%$856,806,474 5,192,048VOYA FINANCIAL GRP48326 2,257,41377.84% 7.50% 67.39%$593,077,159 7,361,869HIGHMARK GRP8127 3,680,93477.17% 5.19% 72.59%$565,457,488 2,057,378SUMITOMO LIFE INS GRP48558 1,016,89367.71% 4.95% 77.54%$382,223,184 642,118BCBS OF SC GRP6619 362,26281.16% 3.35% 80.88%$310,809,697 2,698,061CUNA MUT GRP30610 2,698,06145.42% 2.72% 83.60%$274,311,395 1,245,040WR BERKLEY CORP GRP9811 62379.23% 2.40% 86.00%$160,480,053 520,048AEGON US HOLDING GRP46812 147,68871.26% 1.40% 87.41%$145,046,803 382,417ASSURANT INC GRP1913 360,25377.76% 1.27% 88.68%$123,373,701 60,705TRUSTMARK MUT HOLDING CO GRP27614 35,68176.94% 1.08% 89.76%$121,527,108 151,144NATIONWIDE CORP GRP14015 126,78761.59% 1.06% 90.82%$109,661,340 683,725FORTRESS GRP471616 317,77337.39% 0.96% 91.78%

$93,770,387 211,832PREMERA BLUE CROSS GRP96217 19977.49% 0.82% 92.60%$89,758,384 489,399UNION LABOR GRP78118 213,13162.66% 0.79% 93.39%$84,646,656 54,349PAN AMER LIFE GRP52519 7,15172.62% 0.74% 94.13%$83,665,506 208,581AMERICAN FIDELITY CORP GRP33020 125,41864.87% 0.73% 94.86%$77,372,983 899,821TIPTREE FIN GRP471821 899,82121.53% 0.68% 95.54%$69,285,324 602,389MINNESOTA MUT GRP86922 602,38935.23% 0.61% 96.14%$67,530,338 379,163AMERICAN NATL FIN GRP40823 310,46043.77% 0.59% 96.73%$66,621,176 201,865FIDELITY SECURITY GRP45124 114,21068.89% 0.58% 97.32%$60,978,607 104,333BCBS OF KS GRP43025 49,72196.33% 0.53% 97.85%$55,804,141 1,890,705GUARDIAN LIFE GRP42926 1,097,56185.08% 0.49% 98.34%$40,191,237 224,679CENTRAL STATES GRP69027 224,67923.25% 0.35% 98.69%$27,027,420 23,809AMTRUST NGH GRP253828 16,502144.10% 0.24% 98.93%$19,113,660 83,754HUMANA GRP11929 75,75279.16% 0.17% 99.10%$17,562,317 58,292AMALGAMATED LIFE INS CO6021630 4869.16% 0.15% 99.25%$16,176,552 95,472BCBS OF KC GRP53731 39,225154.18% 0.14% 99.39%$12,847,980 68,987PROTECTIVE LIFE INS GRP45832 68,98720.12% 0.11% 99.50%$10,662,035 466,501RGA INC GRP463933 0100.27% 0.09% 99.60%

© 2017 National Association of Insurance Commissioners 245

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Other Business Market Share for Life, Accident & Health

Grand Total Other Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

$7,949,336 44,360PEKIN INS GRP15334 41,83635.48% 0.07% 99.67%$7,379,381 87,369SWBC LIFE INS CO9953835 87,36915.59% 0.06% 99.73%$7,259,217 1,979ENSTAR GRP472536 1,979(4.90)% 0.06% 99.79%$3,636,826 13,949AMERICAN ENTERPRISE MUT GRP352737 13,94922.17% 0.03% 99.83%$3,159,142 28,873INVESTORS HERITAGE LIFE INS CO6490438 14435.22% 0.03% 99.85%$2,697,787 268NATIONAL WESTERN LIFE INS CO6685039 26896.26% 0.02% 99.88%$1,908,760 12,234GUARANTEE TRUST GRP68740 1,45036.76% 0.02% 99.89%$1,113,629 1,978WEA INS CORP7227341 7358.21% 0.01% 100.00%$1,049,733 0NATL GEN GRP94842 027.65% 0.01% 100.00%

$999,788 7,841INDIVIDUAL ASSUR CO LIFE HLTH & ACC8177943 025.63% 0.01% 100.00%$991,041 5,335MAPFRE INS GRP41144 5,3356.47% 0.01% 100.00%$913,925 10,874DELTA GRP59845 10,87411.96% 0.01% 100.00%$873,717 7,170KENTUCKY NATL INS GRP470346 7,16530.36% 0.01% 100.00%$726,308 0WICHITA NATL LIFE GRP13247 024.47% 0.01% 100.00%$702,856 14,475CITIZENS GRP61248 14,4753.98% 0.01% 100.00%$697,634 3,533FIRST NATL LIFE INS CO OF USA7423349 3,53340.86% 0.01% 100.00%$686,922 35,073ZALE CORP GRP66950 1(2.64)% 0.01% 100.00%$633,107 3,242LIFE ASSUR CO INC8567751 3,02619.77% 0.01% 100.00%$531,408 0GGC GRP473652 064.22% 0.00% 100.00%$462,725 0MOUNTAIN LIFE INS CO8002053 00.00% 0.00% 100.00%$407,073 0COOPERATIVA DE SEGUROS DE VIDA7971554 07.66% 0.00% 100.00%$379,936 3,794LANDCAR INS GRP50355 3,79414.01% 0.00% 100.00%$272,735 333NIPPON LIFE INS CO OF AMER8126456 13651.71% 0.00% 100.00%$257,028 14,337KILPATRICK LIFE GRP483557 14,33740.85% 0.00% 100.00%$129,547 2,156NEW ERA LIFE GRP52058 00.00% 0.00% 100.00%$121,029 20MULTINATIONAL GRP480459 20(4.43)% 0.00% 100.00%$119,106 1,728AMERICAN INTL GRP1260 1,72899.21% 0.00% 100.00%$118,483 0ARKANSAS BANKERS LIFE INS CO8611861 69122.18% 0.00% 100.00%

$92,423 321LIFE INS CO OF LA7509462 3212.98% 0.00% 100.00%$53,236 331HARTFORD FIRE & CAS GRP9163 11,294.92% 0.00% 100.00%$50,950 605ONEAMERICA FIN PARTNERS GRP61964 0(850.30)% 0.00% 100.00%$45,512 280PRIMERICA GRP475065 280(519.06)% 0.00% 100.00%$32,936 207INTER AMER GRP86366 242.52% 0.00% 100.00%

© 2017 National Association of Insurance Commissioners 246

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Other Business Market Share for Life, Accident & Health

Grand Total Other Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

$30,693 0DELAWARE LIFE HOLDING GRP479467 00.00% 0.00% 100.00%$1,841 15SHELTER INS GRP12368 150.00% 0.00% 100.00%

$521 5HEALTHMARKETS GRP26469 5(5.95)% 0.00% 100.00%$503 10ALFA INS GRP570 109,438.17% 0.00% 100.00%$493 0UNIVERSAL GUAR LIFE INS CO7013071 00.00% 0.00% 100.00%$287 0SAVINGS BANK LIFE GRP455372 22289.55% 0.00% 100.00%$278 0HCSC GRP91773 0(6.83)% 0.00% 100.00%$194 0FINANCIAL HOLDINGS GRP44974 0(141.75)% 0.00% 100.00%

$84 1UNITED SERV AUTOMOBILE ASSN GRP20075 10.00% 0.00% 100.00%$5 0USIC GRP359376 0384,980.00% 0.00% 100.00%

$11,424,627,747 88,520,516GRAND TOTAL 28,402,57876.61% 100.00%

© 2017 National Association of Insurance Commissioners 247

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Other Business Market Share for Health

Grand Total Other Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

$1,050,275,659 29,117,511ANTHEM INC GRP6711 14,060,71971.33% 27.37% 27.37%$618,932,883 10,658,677HCSC GRP9172 4,967,55384.52% 16.13% 43.50%$311,723,510 3,061,462BCBS OF MI GRP5723 1,608,66575.02% 8.12% 51.63%$200,630,220 1,270,645BCBS OF MN GRP4614 583,56381.50% 5.23% 56.86%$163,048,937 1,243,752WELLMARK INC GRP7705 569,80787.27% 4.25% 61.11%$126,913,379 472,818MEDICAL MUT OF OH GRP7306 219,16270.07% 3.31% 64.41%$120,915,629 163,870NORIDIAN MUT INS CO558917 74,85881.70% 3.15% 67.56%$102,885,696 1,723,794BCBS OF MA GRP36378 824,45686.87% 2.68% 70.25%

$88,618,312 1,628,310BCBS OF NC GRP7589 973,83374.56% 2.31% 72.56%$85,698,166 1,564,378HUMANA GRP11910 1,271,58979.10% 2.23% 74.79%$83,509,000 0HEALTHPARTNERS GRP125811 097.61% 2.18% 76.96%$72,658,507 0MEDICA GRP155212 095.12% 1.89% 78.86%$71,479,490 682,768CAPITAL BLUE CROSS GRP123013 327,96798.67% 1.86% 80.72%$67,752,117 2,700,740GUIDEWELL MUT HOLDING GRP53614 1,474,94049.27% 1.77% 82.49%$57,039,250 1,020,630BCBS OF AZ INC5358915 503,38773.00% 1.49% 83.97%$56,536,081 1,491,898BCBS OF TN GRP349816 808,52269.56% 1.47% 85.45%$44,699,344 131,016CAREFIRST INC GRP38017 64,97450.68% 1.16% 86.61%$44,430,762 280,183BCBS OF NE GRP485818 127,24092.01% 1.16% 87.77%$42,902,332 985,850CAMBIA HEALTH SOLUTIONS INC120719 461,64351.21% 1.12% 88.89%$40,147,153 548,001LIFETIME HLTHCARE GRP118620 260,078101.54% 1.05% 89.93%$38,426,982 168,220UNITEDHEALTH GRP70721 78,99645.17% 1.00% 90.94%$36,725,727 59,545EDUCATORS MUT GRP12622 42993.24% 0.96% 91.89%$30,083,116 86,091PREFERREDONE GRP349223 41,68377.88% 0.78% 92.68%$25,545,756 970,027BCBS OF SC GRP66124 514,36590.59% 0.67% 93.34%$25,318,971 229,493BLUE CROSS OF ID GRP129025 107,90395.11% 0.66% 94.00%$25,198,361 2,798,115HIGHMARK GRP81226 1,315,83967.93% 0.66% 94.66%$24,374,472 159,350LOUISIANA HLTH SERV GRP43827 79,90861.48% 0.64% 95.29%$22,470,083 0SPECTRUM HLTH GRP338328 00.00% 0.59% 95.88%$17,644,410 0BCBS OF NJ GRP120229 046.41% 0.46% 96.34%$16,786,330 19,909AULTMAN HLTH FOUNDATION GRP480530 30,32098.27% 0.44% 96.78%$14,964,407 80,058WISCONSIN PHYSICIANS SERV INS GRP6831 57,11156.76% 0.39% 97.17%$13,888,182 183,917HEALTH NOW NY INC5520432 82,09780.71% 0.36% 97.53%$13,338,552 116,492PRESBYTERIAN HLTHCARE SERV GRP48133 74,845106.26% 0.35% 97.88%

© 2017 National Association of Insurance Commissioners 248

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Other Business Market Share for Health

Grand Total Other Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

$9,961,765 193,801BCBS OF RI5347334 81,09916.44% 0.26% 98.14%$9,263,802 44,532CARLE HOLDING CO GRP119235 20,21858.37% 0.24% 98.38%$8,425,186 69,079HAWAII MEDICAL SERV ASSN4994836 30,26491.97% 0.22% 98.60%$8,376,524 34,055PACIFICSOURCE HLTH PLAN GRP470437 1243.82% 0.22% 98.82%$6,511,317 483,574AETNA GRP138 251,099110.84% 0.17% 98.99%$5,276,241 356,052HARVARD PILGRIM HLTH CARE GRP59539 164,06671.11% 0.14% 99.12%$5,262,170 198,260IHC INC GRP88040 69,64476.49% 0.14% 99.26%$5,182,286 172,939BCBS OF KC GRP53741 73,495(540.84)% 0.14% 99.40%$4,676,805 21,547NETWORK HLTH GRP267842 881.88% 0.12% 99.52%$4,242,559 0OREGON DENTAL GRP131343 0400.95% 0.11% 99.63%$4,119,701 0HEALTH PLAN GRP129744 067.06% 0.11% 99.74%$2,662,027 103,602BCBS OF VT GRP474545 52,47591.21% 0.07% 99.80%$2,638,047 304,788KAISER FOUNDATION GRP60146 3018.40% 0.07% 99.87%$2,007,995 57,172VANGUARD HLTH VENTURES GRP121247 23,05612.41% 0.05% 100.00%$1,002,883 134,830ROCKY MOUNTAIN HLTH GRP118448 134,830156.83% 0.03% 100.00%

$650,421 1,501BCBS OF WY5376749 65914.98% 0.02% 100.00%$294,374 0INDEPENDENT HLTH ASSN GRP489450 046.12% 0.01% 100.00%$283,751 5,324PHYSICIANS PLUS INS CORP9534151 2,1961,778.76% 0.01% 100.00%$260,634 16,409HEALTH INS CO OF AMER INC1399252 573.50% 0.01% 100.00%$179,467 145,094GEISINGER INS GRP114353 66,439530.73% 0.00% 100.00%$139,877 17,652FIRSTCARE GRP354954 17,664109.53% 0.00% 100.00%

$23,759 48PHP INDIANA GRP382855 185.00% 0.00% 100.00%$4,089 5,954,393RENAISSANCE HLTH SERV CORP GRP47756 2,686,45975.76% 0.00% 100.00%

$3,837,007,456 118,887,549GRAND TOTAL 42,364,89776.57% 100.00%

© 2017 National Association of Insurance Commissioners 249

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Other Business Market Share for Property/Casualty

Grand Total Other Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

$161,575,303 4,673,452FAIRFAX FIN GRP1581 59575.87% 14.37% 14.37%$146,691,601 2,913,448MUNICH RE GRP3612 14,945100.23% 13.04% 27.41%$138,111,171 226,047CHINA MINSHENG GRP48633 150,55769.93% 12.28% 39.69%$121,630,015 285,673ZURICH INS GRP2124 158,70791.42% 10.81% 50.50%$116,170,377 445,104HIGHMARK GRP8125 222,55260.21% 10.33% 60.83%

$84,401,875 685,500BCS INS GRP236 329,51799.57% 7.50% 68.34%$71,410,096 692,555HOUSTON INTL INS GRP43817 20680.68% 6.35% 74.69%$67,939,647 0SWISS RE GRP1818 089.69% 6.04% 80.73%$58,203,630 0CHUBB LTD GRP6269 053.17% 5.18% 85.90%$45,801,036 48,597IRONSHORE GRP450910 17268.36% 4.07% 89.98%$27,274,330 18,940,772PARTNERRE GRP348311 24376.79% 2.43% 92.40%$22,829,581 47,312BENCHMARK INS CO4139412 063.89% 2.03% 94.43%$19,775,687 8,049AMTRUST NGH GRP253813 5,197159.79% 1.76% 96.19%$13,889,771 313,544ASSURANT INC GRP1914 313,54412.03% 1.24% 97.42%

$8,961,697 17,361XL AMER GRP128515 3580.45% 0.80% 98.22%$7,942,257 35,523STATE FARM GRP17616 35,52336.74% 0.71% 98.93%$5,708,836 78,818BERKSHIRE HATHAWAY GRP3117 74,80516.40% 0.51% 99.43%$5,020,384 27,688UPMC HLTH SYSTEM GRP132418 27,68852.10% 0.45% 99.88%

$588,389 0OREGON DENTAL GRP131319 0114.49% 0.05% 100.00%$452,243 28,543ZALE CORP GRP66920 28,5432.51% 0.04% 100.00%$297,912 13,319AEGON US HOLDING GRP46821 13,319(1.63)% 0.03% 100.00%

$1,124,675,838 29,484,317GRAND TOTAL 1,376,14980.18% 100.00%

© 2017 National Association of Insurance Commissioners 250

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Other Business Market Share for Fraternal

Grand Total Other Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

$3,353,309 2,503EVERENCE GRP46161 598.62% 100.00% 100.00%

$3,353,309 2,503GRAND TOTAL 598.62% 100.00%

© 2017 National Association of Insurance Commissioners 251

Page Intentionally Left Blank

© 2017 National Association of Insurance Commissioners 252

Market Share by Line of BusinessOther Business

© 2017 National Association of Insurance Commissioners 253

Page Intentionally Left Blank

© 2017 National Association of Insurance Commissioners 254

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Other Business Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Credit (Individual and Group)

$550,265,787 2,007,743SUMITOMO LIFE INS GRP48551 992,36069.62% 41.95% 41.95%$310,809,697 2,698,061CUNA MUT GRP3062 2,698,06145.42% 23.69% 65.64%$109,661,340 683,725FORTRESS GRP47163 317,77337.08% 8.36% 74.00%

$77,372,983 899,821TIPTREE FIN GRP47184 899,82121.53% 5.90% 79.90%$69,285,324 602,389MINNESOTA MUT GRP8695 602,38935.23% 5.28% 85.18%$40,191,237 224,679CENTRAL STATES GRP6906 224,67923.25% 3.06% 88.25%$33,806,433 644,508ASSURANT INC GRP197 642,88410.06% 2.58% 90.82%$26,739,812 160,423AEGON US HOLDING GRP4688 160,42329.59% 2.04% 92.86%$25,672,045 197,340AMERICAN NATL FIN GRP4089 194,21725.08% 1.96% 94.82%$12,847,980 68,987PROTECTIVE LIFE INS GRP45810 68,98720.12% 0.98% 95.80%

$7,949,336 44,360PEKIN INS GRP15311 41,83635.48% 0.61% 96.41%$7,942,257 35,523STATE FARM GRP17612 35,52336.74% 0.61% 97.01%$7,379,381 87,369SWBC LIFE INS CO9953813 87,36915.59% 0.56% 97.57%$7,259,217 1,979ENSTAR GRP472514 1,979(4.90)% 0.55% 98.13%$5,046,492 74,789BERKSHIRE HATHAWAY GRP3115 74,7899.36% 0.38% 98.51%$3,636,826 13,949AMERICAN ENTERPRISE MUT GRP352716 13,94922.17% 0.28% 98.79%$3,159,142 28,873INVESTORS HERITAGE LIFE INS CO6490417 14435.22% 0.24% 99.03%$1,908,760 12,234GUARANTEE TRUST GRP68718 1,45036.76% 0.15% 99.17%$1,139,165 63,616ZALE CORP GRP66919 28,544(0.60)% 0.09% 99.26%

$999,788 7,841INDIVIDUAL ASSUR CO LIFE HLTH & ACC8177920 025.63% 0.08% 99.34%$991,041 5,335MAPFRE INS GRP41121 5,3356.47% 0.08% 99.41%$931,446 0NATL GEN GRP94822 018.88% 0.07% 99.48%$913,925 10,874DELTA GRP59823 10,87411.96% 0.07% 99.55%$873,717 7,170KENTUCKY NATL INS GRP470324 7,16530.36% 0.07% 99.62%$726,308 0WICHITA NATL LIFE GRP13225 024.47% 0.06% 99.68%$702,856 14,475CITIZENS GRP61226 14,4753.98% 0.05% 99.73%$697,634 3,533FIRST NATL LIFE INS CO OF USA7423327 3,53340.86% 0.05% 99.78%$633,107 3,242LIFE ASSUR CO INC8567728 3,02619.77% 0.05% 99.83%$531,408 0GGC GRP473629 064.22% 0.04% 99.87%$462,725 0MOUNTAIN LIFE INS CO8002030 00.00% 0.04% 100.00%$407,073 0COOPERATIVA DE SEGUROS DE VIDA7971531 07.66% 0.03% 100.00%$379,936 3,794LANDCAR INS GRP50332 3,79414.01% 0.03% 100.00%$257,028 14,337KILPATRICK LIFE GRP483533 14,33740.85% 0.02% 100.00%$121,029 20MULTINATIONAL GRP480434 20(4.43)% 0.01% 100.00%$119,106 1,728AMERICAN INTL GRP1235 1,72899.21% 0.01% 100.00%$118,483 0ARKANSAS BANKERS LIFE INS CO8611836 69122.18% 0.01% 100.00%

© 2017 National Association of Insurance Commissioners 255

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Other Business Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Credit (Individual and Group)

$92,423 321LIFE INS CO OF LA7509437 3212.98% 0.01% 100.00%$50,950 605ONEAMERICA FIN PARTNERS GRP61938 032.92% 0.00% 100.00%$45,512 280PRIMERICA GRP475039 280(519.06)% 0.00% 100.00%$32,936 207INTER AMER GRP86340 242.52% 0.00% 100.00%$17,309 0CHUBB LTD GRP62641 040.99% 0.00% 100.00%

$4,089 1RENAISSANCE HLTH SERV CORP GRP47742 175.76% 0.00% 100.00%$1,841 15SHELTER INS GRP12343 150.00% 0.00% 100.00%

$521 5HEALTHMARKETS GRP26444 5(5.95)% 0.00% 100.00%$503 10ALFA INS GRP545 109,438.17% 0.00% 100.00%$493 0UNIVERSAL GUAR LIFE INS CO7013046 00.00% 0.00% 100.00%$287 0SAVINGS BANK LIFE GRP455347 22289.55% 0.00% 100.00%$278 0HCSC GRP91748 0(6.83)% 0.00% 100.00%$194 0FINANCIAL HOLDINGS GRP44949 0(141.75)% 0.00% 100.00%

$84 1UNITED SERV AUTOMOBILE ASSN GRP20050 10.00% 0.00% 100.00%

$1,311,759,613 8,630,492GRAND TOTAL 7,159,16449.22% 100.00%

© 2017 National Association of Insurance Commissioners 256

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Other Business Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Stop Loss/Excess Loss

$2,515,840,248 4,029,045CIGNA HLTH GRP9011 53,32679.83% 16.69% 16.69%$1,346,154,400 2,919,662UNITEDHEALTH GRP7072 974,67588.24% 8.93% 25.61%$1,152,090,789 4,626,868SUN LIFE ASSUR CO OF CN GRP5493 1,89176.48% 7.64% 33.25%$1,050,275,659 3,320,834ANTHEM INC GRP6714 1,612,69071.33% 6.97% 40.22%$1,010,274,532 3,209,018TOKIO MARINE HOLDINGS INC GRP30985 2,99878.30% 6.70% 46.92%

$863,357,037 2,214,869AETNA GRP16 1,066,70181.47% 5.73% 52.65%$856,806,474 5,192,048VOYA FINANCIAL GRP48327 2,257,41377.84% 5.68% 58.33%$734,445,897 7,806,973HIGHMARK GRP8128 3,903,48674.17% 4.87% 63.20%$618,932,883 2,063,215HCSC GRP9179 992,20384.52% 4.10% 67.30%$407,768,940 778,894BCBS OF SC GRP66110 432,14781.75% 2.70% 70.01%$311,723,510 661BCBS OF MI GRP57211 66175.02% 2.07% 72.08%$274,311,395 1,245,040WR BERKLEY CORP GRP9812 62379.23% 1.82% 73.90%$200,630,220 24,824BCBS OF MN GRP46113 12,36581.50% 1.33% 75.23%$163,048,937 491,538WELLMARK INC GRP77014 228,37987.27% 1.08% 76.31%$161,575,303 4,673,452FAIRFAX FIN GRP15815 59575.87% 1.07% 77.38%$146,691,601 2,913,448MUNICH RE GRP36116 14,945100.23% 0.97% 78.35%$138,111,171 226,047CHINA MINSHENG GRP486317 150,55769.93% 0.92% 79.27%$134,038,153 372,944AEGON US HOLDING GRP46818 58479.41% 0.89% 80.16%$126,913,379 472,818MEDICAL MUT OF OH GRP73019 219,16270.07% 0.84% 81.00%$125,130,141 51,453ASSURANT INC GRP1920 30,91388.75% 0.83% 81.83%$123,373,701 60,705TRUSTMARK MUT HOLDING CO GRP27621 35,68176.94% 0.82% 82.65%$121,630,015 285,673ZURICH INS GRP21222 158,70791.42% 0.81% 83.45%$121,527,108 151,144NATIONWIDE CORP GRP14023 126,78761.59% 0.81% 84.26%$120,915,629 937NORIDIAN MUT INS CO5589124 93781.70% 0.80% 85.06%$104,811,826 371,685HUMANA GRP11925 291,48679.11% 0.70% 85.76%$102,885,696 0BCBS OF MA GRP363726 086.87% 0.68% 86.44%

$93,770,387 211,832PREMERA BLUE CROSS GRP96227 19977.49% 0.62% 87.06%$89,758,384 488,782UNION LABOR GRP78128 212,51462.66% 0.60% 87.66%$88,618,312 280,839BCBS OF NC GRP75829 158,71974.56% 0.59% 88.24%$84,646,656 54,349PAN AMER LIFE GRP52530 7,15172.62% 0.56% 88.81%$84,401,875 685,500BCS INS GRP2331 329,51799.57% 0.56% 89.37%$83,665,506 208,581AMERICAN FIDELITY CORP GRP33032 125,41864.87% 0.55% 89.92%$83,509,000 0HEALTHPARTNERS GRP125833 097.61% 0.55% 90.47%$72,658,507 0MEDICA GRP155234 095.12% 0.48% 90.96%$71,479,490 312,052CAPITAL BLUE CROSS GRP123035 156,15098.67% 0.47% 91.43%$71,410,096 692,555HOUSTON INTL INS GRP438136 20680.68% 0.47% 91.90%

© 2017 National Association of Insurance Commissioners 257

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Other Business Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Stop Loss/Excess Loss

$67,939,647 0SWISS RE GRP18137 089.69% 0.45% 92.35%$67,752,117 117,678GUIDEWELL MUT HOLDING GRP53638 67,97549.27% 0.45% 92.80%$66,621,176 201,865FIDELITY SECURITY GRP45139 114,21068.89% 0.44% 93.25%$60,978,607 104,333BCBS OF KS GRP43040 49,72196.33% 0.40% 93.65%$58,186,321 0CHUBB LTD GRP62641 053.17% 0.39% 94.04%$57,039,250 172,076BCBS OF AZ INC5358942 85,87073.00% 0.38% 94.41%$56,536,081 248,373BCBS OF TN GRP349843 127,13569.56% 0.37% 94.79%$55,804,141 133,806GUARDIAN LIFE GRP42944 73,61685.08% 0.37% 95.16%$46,803,107 31,858AMTRUST NGH GRP253845 21,699150.73% 0.31% 95.47%$45,801,036 48,597IRONSHORE GRP450946 17268.36% 0.30% 95.77%$44,699,344 131,016CAREFIRST INC GRP38047 64,97450.68% 0.30% 96.07%$44,430,762 0BCBS OF NE GRP485848 092.01% 0.29% 96.36%$42,902,332 218,122CAMBIA HEALTH SOLUTIONS INC120749 94,02351.21% 0.28% 96.65%$41,858,293 181,823AMERICAN NATL FIN GRP40850 116,24355.23% 0.28% 96.93%$40,147,153 0LIFETIME HLTHCARE GRP118651 0101.54% 0.27% 97.19%$36,725,727 59,545EDUCATORS MUT GRP12652 42993.24% 0.24% 97.44%$30,083,116 86,091PREFERREDONE GRP349253 41,68377.88% 0.20% 97.64%$27,274,330 18,940,772PARTNERRE GRP348354 24376.79% 0.18% 97.82%$25,318,971 0BLUE CROSS OF ID GRP129055 095.11% 0.17% 97.98%$24,374,472 159,350LOUISIANA HLTH SERV GRP43856 79,90861.48% 0.16% 98.15%$22,829,581 47,312BENCHMARK INS CO4139457 063.89% 0.15% 98.30%$22,470,083 0SPECTRUM HLTH GRP338358 00.00% 0.15% 98.45%$21,358,838 95,472BCBS OF KC GRP53759 39,225(14.45)% 0.14% 98.59%$17,644,410 0BCBS OF NJ GRP120260 046.41% 0.12% 98.71%$17,562,317 58,292AMALGAMATED LIFE INS CO6021661 4869.16% 0.12% 98.82%$16,786,330 19,909AULTMAN HLTH FOUNDATION GRP480562 30,32098.27% 0.11% 98.93%$15,191,701 49,635SUMITOMO LIFE INS GRP485563 24,533(1.22)% 0.10% 99.03%$14,964,407 14,581WISCONSIN PHYSICIANS SERV INS GRP6864 6,48156.76% 0.10% 99.13%$13,888,182 0HEALTH NOW NY INC5520465 080.71% 0.09% 99.23%$13,338,552 6,599PRESBYTERIAN HLTHCARE SERV GRP48166 3,069106.26% 0.09% 99.31%$10,662,035 466,501RGA INC GRP463967 0100.27% 0.07% 99.38%

$9,961,765 50,790BCBS OF RI5347368 20,81516.44% 0.07% 99.45%$9,263,802 0CARLE HOLDING CO GRP119269 058.37% 0.06% 99.51%$8,961,697 17,361XL AMER GRP128570 3580.45% 0.06% 99.57%$8,425,186 59,624HAWAII MEDICAL SERV ASSN4994871 26,84691.97% 0.06% 99.63%$8,376,524 34,055PACIFICSOURCE HLTH PLAN GRP470472 1243.82% 0.06% 99.68%$5,276,241 7,329HARVARD PILGRIM HLTH CARE GRP59573 7,32971.11% 0.03% 99.72%

© 2017 National Association of Insurance Commissioners 258

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Other Business Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Stop Loss/Excess Loss

$5,262,170 0IHC INC GRP88074 1376.49% 0.03% 99.75%$5,020,384 27,688UPMC HLTH SYSTEM GRP132475 27,68852.10% 0.03% 99.79%$4,830,948 0OREGON DENTAL GRP131376 0366.06% 0.03% 99.82%$4,676,805 21,547NETWORK HLTH GRP267877 881.88% 0.03% 99.85%$4,119,701 0HEALTH PLAN GRP129778 067.06% 0.03% 99.88%$3,352,740 2,503EVERENCE GRP461679 598.64% 0.02% 99.90%$2,697,787 268NATIONAL WESTERN LIFE INS CO6685080 26896.26% 0.02% 100.00%$2,662,027 43,193BCBS OF VT GRP474581 22,29891.21% 0.02% 100.00%$2,638,047 116,827KAISER FOUNDATION GRP60182 618.40% 0.02% 100.00%$2,007,995 6,244VANGUARD HLTH VENTURES GRP121283 712.41% 0.01% 100.00%$1,113,629 1,978WEA INS CORP7227384 7358.21% 0.01% 100.00%$1,002,883 376ROCKY MOUNTAIN HLTH GRP118485 376156.83% 0.01% 100.00%

$662,344 4,029BERKSHIRE HATHAWAY GRP3186 1670.04% 0.00% 100.00%$650,421 1,501BCBS OF WY5376787 65914.98% 0.00% 100.00%$294,374 0INDEPENDENT HLTH ASSN GRP489488 046.12% 0.00% 100.00%$283,751 0PHYSICIANS PLUS INS CORP9534189 01,778.76% 0.00% 100.00%$272,735 333NIPPON LIFE INS CO OF AMER8126490 13651.71% 0.00% 100.00%$260,634 16,409HEALTH INS CO OF AMER INC1399291 573.50% 0.00% 100.00%$179,467 3,510GEISINGER INS GRP114392 1,636530.73% 0.00% 100.00%$139,877 143FIRSTCARE GRP354993 155109.53% 0.00% 100.00%$129,547 2,156NEW ERA LIFE GRP52094 00.00% 0.00% 100.00%$118,287 0NATL GEN GRP94895 096.63% 0.00% 100.00%

$53,236 331HARTFORD FIRE & CAS GRP9196 11,294.92% 0.00% 100.00%$30,693 0DELAWARE LIFE HOLDING GRP479497 00.00% 0.00% 100.00%$23,759 48PHP INDIANA GRP382898 185.00% 0.00% 100.00%

$5 0USIC GRP359399 0384,980.00% 0.00% 100.00%

$15,077,904,737 72,453,146GRAND TOTAL 14,710,41479.25% 100.00%

© 2017 National Association of Insurance Commissioners 259

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Other Business Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

Total Non U.S. Policy Forms

$9,675,012,290 31,627,443AFLAC GRP3701 21,425,71164.90% 88.09% 88.09%$454,494,406 1,431,404METROPOLITAN GRP2412 631,44473.71% 4.14% 92.22%$368,573,931 0CHUBB LTD GRP6263 043.96% 3.36% 95.58%$232,218,026 12,346,364ASSURANT INC GRP194 12,344,95312.29% 2.11% 97.69%$129,676,824 30,469BUPA INS CO816475 17,33764.04% 1.18% 98.87%

$40,897,487 133,163PAN AMER LIFE GRP5256 74,21062.54% 0.37% 99.25%$19,484,465 88,840FORTRESS GRP47167 2451.35% 0.18% 99.42%$18,806,993 37,806WR BERKLEY CORP GRP988 35,09628.92% 0.17% 99.60%$14,195,671 12,767,468ALLIANZ INS GRP7619 5,106,78143.65% 0.13% 99.73%

$6,256,357 2,714AMFIRST HOLDINGS GRP471910 30744.35% 0.06% 99.78%$5,282,462 0STARR GRP467011 062.34% 0.05% 99.83%$5,132,487 3,297BEST MERIDIAN INS CO6388612 1,69247.07% 0.05% 99.88%$3,840,671 0MUNICH RE GRP36113 0(87.32)% 0.03% 100.00%$3,684,996 5,962KNIGHTS OF COLUMBUS5803314 5,96866.78% 0.03% 100.00%$2,606,057 2,580AMERICAN INTL GRP1215 883544.56% 0.02% 100.00%$1,371,512 12,158CUNA MUT GRP30616 12,1581.75% 0.01% 100.00%

$672,407 3,429MARQUETTE IND & LIFE INS CO8739417 3,42935.02% 0.01% 100.00%$486,027 0BERKSHIRE HATHAWAY GRP3118 7755.02% 0.00% 100.00%$352,615 1,526NEW YORK LIFE GRP82619 1,31889.92% 0.00% 100.00%$264,696 0LIBERTY MUT GRP11120 0122.55% 0.00% 100.00%$188,258 0UNITED INS HOLDINGS GRP483021 0(30.41)% 0.00% 100.00%

$50,575 870ORDER OF UNITED COMMERCIAL TRAVELERS5638322 87093.19% 0.00% 100.00%$183 2TORCHMARK CORP GRP29023 21,037.16% 0.00% 100.00%

$10,983,549,396 58,495,495GRAND TOTAL 39,662,26063.34% 100.00%

© 2017 National Association of Insurance Commissioners 260

Accident and Health Policy Experience Report Grand Total (Individual, Group, and Other)

Business

© 2017 National Association of Insurance Commissioners 261

Page Intentionally Left Blank

© 2017 National Association of Insurance Commissioners 262

Market Share for the Top 125 Insurers Grand Total Business

© 2017 National Association of Insurance Commissioners 263

Page Intentionally Left Blank

© 2017 National Association of Insurance Commissioners 264

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Market Share for All Statement Types

Grand Total Individual, Group and Other Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

$126,314,016,141 39,540,052UNITEDHEALTH GRP7071 29,813,93880.70% 15.73% 15.73%$58,741,714,761 46,909,397ANTHEM INC GRP6712 27,560,64383.63% 7.31% 23.04%$53,434,104,347 18,647,779HUMANA GRP1193 15,377,00885.57% 6.65% 29.69%$52,702,675,844 38,796,181AETNA GRP14 24,755,97582.42% 6.56% 36.26%$32,054,237,634 17,962,933HCSC GRP9175 9,745,47987.38% 3.99% 40.25%$24,890,728,813 5,083,604CENTENE CORP GRP12956 4,979,81689.44% 3.10% 43.35%$23,413,988,463 55,536,434CIGNA HLTH GRP9017 2,488,65383.09% 2.92% 46.26%$17,002,130,010 4,197,380INDEPENDENCE HLTH GRP INC GRP9368 3,207,22588.27% 2.12% 48.38%$15,379,712,688 3,508,113MOLINA HEALTHCARE INC GRP15319 3,358,07684.37% 1.91% 50.29%$15,060,969,709 22,837,586HIGHMARK GRP81210 13,186,51587.15% 1.88% 52.17%$13,312,359,663 5,429,978GUIDEWELL MUT HOLDING GRP53611 3,277,52979.52% 1.66% 53.83%$12,822,152,401 2,696,786KAISER FOUNDATION GRP60112 1,502,59592.56% 1.60% 55.42%$12,581,290,688 3,568,716WELLCARE GRP119913 3,568,71683.17% 1.57% 56.99%$12,103,434,988 5,275,777BCBS OF MI GRP57214 3,028,57284.78% 1.51% 58.50%$11,647,150,885 2,456,411BCBS OF NJ GRP120215 1,771,92286.20% 1.45% 59.95%

$8,518,262,409 2,019,237CAREFIRST INC GRP38016 1,131,00684.72% 1.06% 61.01%$8,102,410,106 28,180,181METROPOLITAN GRP24117 451,06196.13% 1.01% 62.02%$7,610,125,392 2,601,412EMBLEM HLTH GRP112718 1,508,52890.28% 0.95% 62.96%$7,265,980,624 3,771,615BCBS OF MA GRP363719 2,029,88287.10% 0.90% 63.87%$7,263,493,105 3,792,904BCBS OF TN GRP349820 2,397,82483.77% 0.90% 64.77%$7,240,831,723 3,169,878BCBS OF NC GRP75821 2,052,60381.53% 0.90% 65.67%$7,186,389,377 1,417,541CARESOURCE GRP368322 1,391,32988.74% 0.89% 66.57%$6,320,187,090 3,409,551UPMC HLTH SYSTEM GRP132423 1,064,28091.62% 0.79% 67.36%$6,126,239,088 1,794,107LIFETIME HLTHCARE GRP118624 1,120,53687.28% 0.76% 68.12%$5,845,166,019 22,862,812UNUM GRP56525 3,979,13184.56% 0.73% 68.85%$5,755,714,632 2,449,844BCBS OF MN GRP46126 1,568,56391.34% 0.72% 69.56%$5,189,935,627 3,493,648BCBS OF AL GRP57027 1,963,04989.08% 0.65% 70.21%$5,163,190,145 21,912,787AFLAC GRP37028 11,953,39654.32% 0.64% 70.85%$5,080,877,360 2,123,169CAMBIA HEALTH SOLUTIONS INC120729 1,167,02382.58% 0.63% 71.49%$4,511,388,028 774,268MEDICA GRP155230 669,00695.46% 0.56% 72.05%$4,483,108,125 4,111,374BCBS OF SC GRP66131 2,630,34683.54% 0.56% 72.61%$4,229,730,325 2,472,279PREMERA BLUE CROSS GRP96232 1,198,49588.11% 0.53% 73.13%$3,845,688,273 20,185,947GUARDIAN LIFE GRP42933 12,373,29170.09% 0.48% 73.61%

© 2017 National Association of Insurance Commissioners 265

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Market Share for All Statement Types

Grand Total Individual, Group and Other Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

$3,736,202,069 24,367,818MUTUAL OF OMAHA GRP26134 6,957,48374.00% 0.47% 74.08%$3,668,865,845 2,277,368WELLMARK INC GRP77035 1,251,99085.86% 0.46% 74.53%$3,470,570,872 879,117CAIDAN ENTERPRISES INC GRP464036 879,11788.62% 0.43% 74.96%$3,405,135,132 677,707SPECTRUM HLTH GRP338337 450,93785.57% 0.42% 75.39%$3,355,927,291 646,023GROUP HLTH COOP GRP118538 425,65289.01% 0.42% 75.81%$3,272,503,305 865,941LOUISIANA HLTH SERV GRP43839 522,67885.95% 0.41% 76.21%$3,230,636,387 734,075HAWAII MEDICAL SERV ASSN4994840 500,20385.73% 0.40% 76.62%$3,135,345,067 5,535,137CVS CAREMARK GRP466741 5,532,89270.65% 0.39% 77.01%$3,072,785,170 479,042MVP GRP119842 389,98187.54% 0.38% 77.39%$3,049,963,804 932,703HARVARD PILGRIM HLTH CARE GRP59543 512,73087.90% 0.38% 77.77%$2,970,851,000 999,564HEALTHPARTNERS GRP125844 572,43189.63% 0.37% 78.14%$2,832,210,514 2,197,026ARKANSAS BCBS GRP87645 1,146,87586.77% 0.35% 78.49%$2,817,268,631 731,845TUFTS GRP474246 615,35888.00% 0.35% 78.84%$2,813,249,838 1,308,074GENWORTH FIN GRP401147 1,206,682144.91% 0.35% 79.19%$2,720,026,621 850,849TRIPLE S GRP480248 689,42087.39% 0.34% 79.53%$2,708,406,616 1,133,503MEDICAL MUT OF OH GRP73049 610,53585.08% 0.34% 79.87%$2,619,843,103 883,616IHC INC GRP88050 444,13595.69% 0.33% 80.19%$2,567,923,982 438,286NEIGHBORHOOD HLTH PLAN INC1110951 377,89998.30% 0.32% 80.51%$2,545,551,408 557,463GEISINGER INS GRP114352 427,41185.90% 0.32% 80.83%$2,416,706,785 416,020HENRY FORD HLTH SYSTEM GRP131153 230,40190.00% 0.30% 81.13%$2,311,217,913 575,815HEALTH NOW NY INC5520454 316,58488.44% 0.29% 81.42%$2,239,546,875 138,980HEALTHFIRST INC GRP477855 138,97486.38% 0.28% 81.70%$2,185,099,363 1,200,368JOHN HANCOCK GRP90456 1,200,060140.66% 0.27% 81.97%$2,161,279,085 1,311,328CAPITAL BLUE CROSS GRP123057 642,35289.81% 0.27% 82.24%$2,150,406,294 329,722CDPHP INC GRP470858 242,97388.00% 0.27% 82.51%$2,139,971,036 478,897CARE 1ST HEALTH PLAN1514359 478,89784.36% 0.27% 82.77%$2,120,660,942 308,662INDEPENDENT HLTH ASSN GRP489460 237,21890.05% 0.26% 83.04%$2,103,039,571 960,585BCBS OF KS GRP43061 550,43791.11% 0.26% 83.30%$2,098,613,956 19,630,761AEGON US HOLDING GRP46862 16,467,10786.58% 0.26% 83.56%$2,088,030,198 9,659,953TOKIO MARINE HOLDINGS INC GRP309863 86,806125.62% 0.26% 83.82%$2,058,187,597 360,083MEDICAL CARD SYSTEM INC GRP130164 283,81985.76% 0.26% 84.08%$2,050,884,368 1,511,871BCBS OF AZ INC5358965 774,54184.96% 0.26% 84.33%$2,022,868,911 463,403PRESBYTERIAN HLTHCARE SERV GRP48166 401,39684.17% 0.25% 84.58%

© 2017 National Association of Insurance Commissioners 266

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Market Share for All Statement Types

Grand Total Individual, Group and Other Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

$1,957,863,018 862,979BCBS OF KC GRP53767 461,40783.69% 0.24% 84.83%$1,943,964,970 7,714,307SUN LIFE ASSUR CO OF CN GRP54968 82,31376.82% 0.24% 85.07%$1,917,636,569 1,859,818CNO FINANCIAL GRP23369 1,501,02898.55% 0.24% 85.31%$1,916,965,195 273,342HEALTH PARTNERS PLANS INC9506670 273,34279.18% 0.24% 85.55%$1,854,635,346 1,256,880NORTHWESTERN MUT GRP86071 1,042,22067.48% 0.23% 85.78%$1,837,858,188 504,849INDIANA UNIVERSITY HLTH GRP463772 501,03992.83% 0.23% 86.01%$1,800,500,985 15,121,008HARTFORD FIRE & CAS GRP9173 85,77778.28% 0.22% 86.23%$1,799,432,151 332,560CARLE HOLDING CO GRP119274 232,16893.78% 0.22% 86.46%$1,790,523,067 636,889PROVIDENCE HLTH GRP478875 347,76293.89% 0.22% 86.68%$1,752,378,468 298,498UNIVERSITY HLTH CARE INC5262176 298,49895.25% 0.22% 86.90%$1,748,996,192 682,486BCBS OF NE GRP485877 383,72790.31% 0.22% 87.12%$1,713,751,462 546,452BCBS OF RI5347378 316,40884.94% 0.21% 87.33%$1,690,478,180 152,183UCARE GRP438079 146,95392.62% 0.21% 87.54%$1,676,828,145 50,959,562VISION SERV PLAN GRP118980 246,08079.35% 0.21% 87.75%$1,613,377,406 4,377,678PRINCIPAL FIN GRP33281 3,391,58863.63% 0.20% 87.95%$1,573,545,427 290,521BOSTON MEDICAL CENTER HLTH PLAN INC1320382 282,55689.45% 0.20% 88.14%$1,528,588,180 8,993,959MEIJI YASUDA LIFE INS GRP134883 8,494,45374.74% 0.19% 88.33%$1,513,432,412 8,859,334DENTEGRA GRP247984 3,665,02773.43% 0.19% 88.52%$1,496,307,607 821,087BLUE CROSS OF ID GRP129085 570,69486.73% 0.19% 88.71%$1,449,506,586 303,945SENTARA HLTH MGMT GRP118386 270,99592.76% 0.18% 88.89%$1,436,054,696 10,857,960RENAISSANCE HLTH SERV CORP GRP47787 5,504,87683.04% 0.18% 89.07%$1,407,182,069 119,004AMERICAS 1ST CHOICE GRP475588 119,00471.75% 0.18% 89.24%$1,385,422,362 125,688UNIVERSAL AMER FIN CORP GRP95389 124,92982.37% 0.17% 89.42%$1,365,019,676 23,258,014CHUBB LTD GRP62690 263,20056.41% 0.17% 89.59%$1,355,122,006 340,611VANGUARD HLTH VENTURES GRP121291 291,85686.14% 0.17% 89.76%$1,348,527,450 8,217,638PRUDENTIAL OF AMER GRP30492 91,31173.57% 0.17% 89.92%$1,334,575,107 631,118MISSISSIPPI INS GRP112693 397,53187.74% 0.17% 90.09%$1,287,903,401 8,564,118LINCOLN NATL GRP2094 99,09765.77% 0.16% 90.25%$1,250,361,140 276,182DEAN HLTH GRP129495 175,50487.36% 0.16% 90.41%$1,215,411,533 734,570MAGELLAN HLTH INC GRP126096 523,29882.70% 0.15% 90.56%$1,179,325,537 172,630FALLON GRP474197 114,84790.09% 0.15% 90.70%$1,178,051,146 200,304SECURITY HLTH PLAN OF WI INC9688198 151,06591.37% 0.15% 90.85%$1,173,563,637 270,294UNIVERSITY HLTH CARE & GUNDERSEN LUT487099 154,28189.87% 0.15% 91.00%

© 2017 National Association of Insurance Commissioners 267

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Market Share for All Statement Types

Grand Total Individual, Group and Other Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

$1,166,677,045 1,775,267AMERICAN INTL GRP12100 979,99765.52% 0.15% 91.14%$1,128,492,632 358,601COMMUNITY HLTH CHOICE INC95615101 323,90190.28% 0.14% 91.28%$1,122,948,011 192,678NEIGHBORHOOD HLTH PLAN OF RI INC95402102 192,28287.17% 0.14% 91.42%$1,109,713,981 4,586,826TORCHMARK CORP GRP290103 12,600,42668.87% 0.14% 91.56%$1,090,169,271 4,699,711ASSURANT INC GRP19104 3,753,624105.27% 0.14% 91.70%$1,083,793,065 471,206NORIDIAN MUT INS CO55891105 252,26084.95% 0.13% 91.83%$1,073,251,891 310,751COMMUNITY HLTH PLAN OF WA47049106 310,75188.66% 0.13% 91.96%$1,066,972,336 430,259TEXAS CHILDRENS HLTH PLAN INC95329107 430,25989.52% 0.13% 92.10%$1,059,411,075 7,699,010VOYA FINANCIAL GRP4832108 3,633,38673.69% 0.13% 92.23%$1,048,433,246 460,533OREGON DENTAL GRP1313109 333,09094.93% 0.13% 92.36%

$996,754,155 213,460MCLAREN HLTH GRP4700110 198,74788.18% 0.12% 92.48%$971,918,669 1,113,498STATE FARM GRP176111 936,61993.40% 0.12% 92.60%$969,766,388 288,825SCOTT & WHITE GRP600112 193,957105.52% 0.12% 92.73%$967,519,314 350,564AVMED INC95263113 202,48488.28% 0.12% 92.85%$966,865,979 7,163,485LIBERTY MUT GRP111114 6,611,79585.00% 0.12% 92.97%$931,751,297 192,568BAYSTATE HLTH GRP4756115 135,917345.62% 0.12% 93.08%$926,502,021 178,096NETWORK HLTH GRP2678116 125,41289.39% 0.12% 93.20%$900,622,355 199,942PACIFICSOURCE HLTH PLAN GRP4704117 141,63889.84% 0.11% 93.31%$882,683,660 6,727,820ALLSTATE INS GRP8118 3,497,57155.01% 0.11% 93.42%$870,252,442 1,985,062AMERITAS MUT HOLDING GRP943119 234,70763.68% 0.11% 93.53%$840,566,181 24,224ELDERPLAN INC95662120 24,22483.80% 0.10% 93.63%$834,891,389 180,299SANFORD HLTH GRP1246121 98,81196.40% 0.10% 93.74%$824,916,439 16,587,501FIDELITY SECURITY GRP451122 5,122,96273.25% 0.10% 93.84%$824,019,336 2,139,838AMERICAN FIDELITY CORP GRP330123 1,697,40354.69% 0.10% 93.94%$779,960,508 2,931,282MCNA GRP4730124 2,931,28280.51% 0.10% 94.04%$754,363,003 146,643MEDSTAR FAMILY CHOICE14227125 146,64391.14% 0.09% 94.13%

$803,144,575,350 909,324,206GRAND TOTAL 425,474,21885.44% 100.00%

© 2017 National Association of Insurance Commissioners 268

Top 25 Groups by Company

Grand Total Business

© 2017 National Association of Insurance Commissioners 269

Page Intentionally Left Blank

© 2017 National Association of Insurance Commissioners 270

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Market Share for All statement types

Top 25 Groups by Company

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code as of Dec 31 as of Dec 31Covered Lives

Number of

Rank Group/Company Name

Group

$126,314,016,141 39,540,05229,813,938UNITEDHEALTH GRP7071 80.70% 15.73%$1,615,923,906 444,873264,569ALL SAVERS INS CO82406 105.89%

$178,957 00ALL SAVERS LIFE INS CO OF CA73130 383.80%$2,549,219,813 491,811491,811AMERICHOICE OF NJ INC95497 82.46%$1,155,085,879 85,82885,828CARE IMPROVEMENT PLUS OF TX INS CO12558 80.13%$3,705,726,364 273,804273,804CARE IMPROVEMENT PLUS S CENTRAL INS12567 76.37%

$79,144,784 8,2828,282CARE IMPROVEMENT PLUS WI INS CO14041 85.25%$1,976,123 15,5058,024DENTAL BENEFIT PROVIDERS OF IL INC52053 65.28%

$1,359,088,765 724,746424,347GOLDEN RULE INS CO62286 71.17%$147,876,142 35,44521,505HARKEN HLTH INS CO79480 172.50%

$0 00HEALTH NET INS CO NY INC43893 N/A$2,571,866,594 594,687475,273HEALTH PLAN OF NV96342 84.12%

$62,662,172 14,7898,001MAMSI LIFE & HLTH INS CO60321 68.35%$311,876,198 48,35422,450MD INDIVIDUAL PRACTICE ASSN INC96310 81.62%

)$(1,009 00MEDICA HLTH PLANS OF FL INC12756 0.00%$533,914,092 38,56838,568MEDICA HLTHCARE PLANS INC12155 79.63%

$10,289,113 85,70648,078NATIONAL PACIFIC DENTAL INC95251 54.50%$578,017,255 121,54281,942NEIGHBORHOOD HLTH PARTNERSHIP INC95123 74.87%

$2,159,950 13,10513,105NEVADA PACIFIC DENTAL INC95758 70.51%$183,185,496 41,62225,434OPTIMUM CHOICE INC96940 69.20%

$0 55,21855,218ORTHONET OF THE MID ATLANTIC INC11068 N/A$6,489,443,716 909,492476,492OXFORD HLTH INS INC78026 77.44%

$477,381,086 48,08946,299OXFORD HLTH PLANS CT INC96798 78.86%$1,071,164,843 107,48599,824OXFORD HLTH PLANS NJ INC95506 77.63%$1,708,025,649 180,619138,584OXFORD HLTH PLANS NY INC95479 84.64%

$14,261,367 52,01222,764PACIFICARE LIFE & HLTH INS CO70785 71.00%$60,031 00PACIFICARE OF AZ INC95617 2,302.95%

$2,472,624,812 249,257249,257PACIFICARE OF CO INC95434 80.87%)$(1,332,282 00PACIFICARE OF NV INC95685 0.00%

© 2017 National Association of Insurance Commissioners 271

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Market Share for All statement types

Top 25 Groups by Company

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code as of Dec 31 as of Dec 31Covered Lives

Number of

Rank Group/Company Name

Group

$419,562,384 32,26732,267PHYSICIANS HLTH CHOICE OF TX LLC114941 89.06%$1,484,388,378 131,156131,156PREFERRED CARE PARTNERS INC11176 83.36%$8,918,775,282 884,966834,962SIERRA HLTH & LIFE INS CO INC71420 79.93%

$357,946,870 421,815421,815SYMPHONIX HLTH INS INC84549 78.72%$335,873,308 1,300,155203,663UNIMERICA INS CO91529 75.01%

$4,961,486 14,62914,629UNIMERICA LIFE INS CO OF NY11596 18.51%$1,298,211,840 288,694283,338UNITED HLTH CARE OF MS INC95716 89.06%$1,084,208,075 302,432161,354UNITED HLTHCARE INS CO OF IL60318 79.19%$3,328,727,392 1,392,8511,113,979UNITED HLTHCARE INS CO OF NY60093 78.22%

$898,231,904 194,937182,973UNITED HLTHCARE MID ATLANTIC INC95025 79.04%$561,098,509 71,21062,889UNITED HLTHCARE OF AL INC95784 81.28%

$41,858,136 12,19710,182UNITED HLTHCARE OF AR INC95446 87.31%$111,541,731 19,22012,596UNITED HLTHCARE OF AZ INC96016 86.70%

$87,877,995 22,42914,409UNITED HLTHCARE OF CO INC95090 86.28%$3,005,234,641 484,781422,965UNITED HLTHCARE OF FL INC95264 86.89%

$287,981,199 48,16934,285UNITED HLTHCARE OF GA INC95850 92.79%$105,294,857 23,74614,644UNITED HLTHCARE OF KY LTD96644 88.56%

$1,787,147,667 456,053443,707UNITED HLTHCARE OF LA INC95833 82.68%$576,028,868 117,767109,190UNITED HLTHCARE OF MIDLANDS INC95591 87.22%

$81,950,438 17,20810,076UNITED HLTHCARE OF OH INC95186 91.03%$515,173,808 61,74058,276UNITED HLTHCARE OF UT INC95501 86.32%

$2,745,900,075 214,077213,752UNITEDHEALTHCARE BENEFITS OF TX INC95174 85.48%$1,244,195,206 259,181257,938UNITEDHEALTHCARE COMM PLAN INC95467 79.58%$2,059,210,794 293,677293,677UNITEDHEALTHCARE COMM PLAN OF OH INC12323 82.54%$2,433,095,963 254,682254,682UNITEDHEALTHCARE COMM PLAN OF TX LLC11141 85.99%

$43,072,443,642 23,716,74117,335,567UNITEDHEALTHCARE INS CO79413 79.24%$899,286,891 209,255126,304UNITEDHEALTHCARE INS CO OF THE RIVER12231 80.99%$963,447,276 300,560184,182UNITEDHEALTHCARE LIFE INS CO97179 99.97%$135,334,636 30,70618,253UNITEDHEALTHCARE OF IL INC95776 73.34%

© 2017 National Association of Insurance Commissioners 272

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Market Share for All statement types

Top 25 Groups by Company

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code as of Dec 31 as of Dec 31Covered Lives

Number of

Rank Group/Company Name

Group

$1,892,532,711 234,182227,464UNITEDHEALTHCARE OF MIDWEST INC963851 77.69%$935,019,785 195,095132,794UNITEDHEALTHCARE OF NC INC95103 81.13%$884,318,898 127,755126,336UNITEDHEALTHCARE OF NEW ENGLAND INC95149 84.98%$865,674,826 89,44489,444UNITEDHEALTHCARE OF NM INC13214 78.14%

$3,870,380,256 675,888673,110UNITEDHEALTHCARE OF NY INC95085 79.65%$975,116,814 96,71596,451UNITEDHEALTHCARE OF OR INC95893 82.29%

$1,348,617,917 276,981272,071UNITEDHEALTHCARE OF PA INC95220 77.97%$82,010,762 22,95514,922UNITEDHEALTHCARE OF TX INC95765 73.37%

$1,027,264,778 271,325252,967UNITEDHEALTHCARE OF WA INC48038 84.23%$4,491,720,323 536,432519,170UNITEDHEALTHCARE OF WI INC95710 75.40%$3,594,961,496 749,280735,131UNITEDHEALTHCARE PLAN OF THE RIVER V95378 80.75%

$401,588,508 45,86036,909UNITEDHEATHCARE OF OK INC96903 84.25%

$58,741,714,761 46,909,39727,560,643ANTHEM INC GRP6712 83.63% 7.31%$18,750,031 1,9631,963AMERIGROUP COMM CARE OF NM INC12354 86.78%

$1,432,590,828 404,090404,090AMERIGROUP FL INC95093 89.21%$624,213,129 159,385159,385AMERIGROUP INS CO14078 87.69%$787,989,321 193,856193,856AMERIGROUP IOWA INC15807 115.86%$997,723,977 131,362131,362AMERIGROUP KS INC14276 86.25%$785,341,629 233,360233,360AMERIGROUP LA INC14064 84.68%

$1,088,696,780 278,411278,411AMERIGROUP MD INC95832 81.71%$1,304,314,479 209,161209,161AMERIGROUP NJ INC95373 80.22%

$635,133,598 195,422195,422AMERIGROUP NV INC12586 85.33%$0 00AMERIGROUP OH INC DBA COMM CARE10767 N/A

$1,905,919,835 449,573449,573AMERIGROUP TN INC12941 84.17%$3,861,828,178 700,830700,830AMERIGROUP TX INC95314 82.61%

$570,695,693 150,623150,623AMERIGROUP WASHINGTON INC14073 81.95%$1,228,401,966 383,559383,559AMGP GA MANAGED CARE CO INC12229 80.49%$2,258,510,095 7,166,6173,908,743ANTHEM BLUE CROSS LIFE & HLTH INS CO62825 75.79%

© 2017 National Association of Insurance Commissioners 273

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Market Share for All statement types

Top 25 Groups by Company

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code as of Dec 31 as of Dec 31Covered Lives

Number of

Rank Group/Company Name

Group

$1,672,813,727 1,476,899738,080ANTHEM HLTH PLANS INC602172 86.92%$2,287,200,707 2,082,5541,128,058ANTHEM HLTH PLANS OF KY INC95120 82.90%$1,063,269,941 510,339278,980ANTHEM HLTH PLANS OF ME INC52618 87.44%

$488,158,193 266,184147,007ANTHEM HLTH PLANS OF NH53759 87.63%$3,795,200,837 3,035,2861,622,459ANTHEM HLTH PLANS OF VA INC71835 82.70%$6,103,325,702 7,609,1514,032,297ANTHEM INS CO INC28207 82.01%

$588,872,620 115,025115,025ANTHEM KY MANAGED CARE PLAN INC15543 84.22%$2,587,891 42,92642,926ANTHEM LIFE & DISABILITY INS CO13573 84.66%

$95,704,913 1,190,7181,185,643ANTHEM LIFE INS CO61069 70.04%$2,136,976,383 1,352,181742,125BCBS HLTHCARE PLAN OF GA INC96962 81.49%$1,847,148,974 2,766,2441,378,603BCBS OF GA INC54801 88.38%

$758,655,551 1,136,150540,445BCBS OF WI54003 84.51%$319,584,798 0103,318BETTER HLTH INC15480 82.27%$134,800,267 12,27712,277CAREMORE HLTH PLAN OF AZ INC13562 79.53%

$89,556,168 7,3427,342CAREMORE HLTH PLAN OF NV13605 83.36%$5,297,846,786 4,646,3382,289,475COMMUNITY INS CO10345 82.51%

$769,306,704 241,935165,298COMPCARE HLTH SERV INS CORP95693 81.14%$2,228,667,961 4,508,8372,228,004EMPIRE HEALTHCHOICE ASSUR INC55093 84.69%$1,382,736,933 141,662115,168EMPIRE HEALTHCHOICE HMO INC95433 89.16%

$14,461,173 184,310183,827GREATER GA LIFE INS CO97217 78.97%$3,155,311,445 812,136620,280HEALTHKEEPERS INC95169 84.24%

$0 304,852166,156HEALTHLINK HMO INC96475 N/A$1,943,194,503 1,106,712609,408HEALTHY ALLIANCE LIFE INS CO78972 78.80%

$286,049,011 114,20563,508HMO CO INC95473 88.58%$149,506,698 28,44318,485HMO MO INC95358 78.04%$508,468,855 203,305106,058MATTHEW THORTON HLTH PLAN INC95527 81.93%

$2,339,419,737 1,537,518850,183ROCKY MOUNTAIN HOSPITAL & MEDICAL11011 86.53%$1,214,274,936 133,053133,053SIMPLY HLTHCARE PLANS INC13726 74.96%

$484,527,386 131,027131,027UNICARE HLTH PLAN OF WV INC11810 87.34%

© 2017 National Association of Insurance Commissioners 274

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Market Share for All statement types

Top 25 Groups by Company

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code as of Dec 31 as of Dec 31Covered Lives

Number of

Rank Group/Company Name

Group

$83,976,422 553,576405,790UNICARE LIFE & HLTH INS CO803142 79.81%

$53,434,104,347 18,647,77915,377,008HUMANA GRP1193 85.57% 6.65%$812,894,102 82,41882,418ARCADIAN HLTH PLAN INC12151 95.58%

$1,721,376,352 110,460110,460CAREPLUS HLTH PLANS INC95092 81.17%$1,283,282,936 118,546118,546CARITEN HLTH PLAN INC95754 81.27%

$128,303,177 16,52716,527CHA HMO INC95158 87.50%$108,241,907 1,055,089576,860COMPBENEFITS CO52015 61.56%

$11,103,757 65,25539,154COMPBENEFITS DENTAL INC11228 52.74%$94,386,392 611,625331,823COMPBENEFITS INS CO60984 71.01%$27,979,806 214,207128,351DENTICARE INC95161 58.28%

$0 00EMPHESYS INS CO88595 N/A$969,709,317 87,84687,605HUMANA BENEFIT PLAN OF IL INC60052 82.83%

$134,947 424424HUMANA DENTAL CONCERN LTD52028 35.26%$1,909,380,063 404,589265,281HUMANA EMPLOYERS HLTH PLAN GA INC95519 104.99%$2,032,946,894 318,990283,854HUMANA HLTH BENEFIT PLAN OF LA INC95642 81.36%

$108,059,608 12,22212,222HUMANA HLTH CO OF NY INC13558 90.79%$206,910,511 111,580108,192HUMANA HLTH INS CO OF FL INC69671 82.42%

$8,069,646,273 1,280,360984,236HUMANA HLTH PLAN INC95885 86.32%$729,193,495 105,18479,731HUMANA HLTH PLAN OF OH INC95348 86.61%$807,797,719 214,625136,665HUMANA HLTH PLAN OF TX INC95024 94.95%$312,222,966 46,57940,398HUMANA HLTH PLANS OF PR95721 93.96%

$23,012,077,747 9,597,9338,318,905HUMANA INS CO73288 82.56%$32,046,168 87,89881,519HUMANA INS CO OF KY60219 74.97%

$291,844,242 171,961170,275HUMANA INS CO OF NY12634 86.05%$110,569,842 117,18658,667HUMANA INS CO OF PR INC84603 83.18%

$9,072,370,534 1,160,0431,056,911HUMANA MEDICAL PLAN INC95270 84.17%$115,927,583 30,07423,318HUMANA MEDICAL PLAN OF MI INC14224 86.74%

$56,091,074 6,5506,550HUMANA MEDICAL PLAN OF PA INC14462 84.57%

© 2017 National Association of Insurance Commissioners 275

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Market Share for All statement types

Top 25 Groups by Company

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code as of Dec 31 as of Dec 31Covered Lives

Number of

Rank Group/Company Name

Group

$46,134,481 11,7019,443HUMANA MEDICAL PLAN OF UT INC129083 115.08%$30,601,317 2,9392,939HUMANA REGIONAL HLTH PLAN INC12282 85.24%

$614,566,508 75,75661,725HUMANA WI HLTH ORG INS CORP95342 85.82%$318,930,576 1,758,7721,640,229HUMANADENTAL INS CO70580 63.75%$215,489,095 27,36027,360INDEPENDENT CARE HLTH PLAN11695 83.98%$148,574,286 497,920349,549KANAWHA INS CO65110 461.77%

$35,310,672 245,160166,871THE DENTAL CONCERN INC54739 66.30%

$52,702,675,844 38,796,18124,755,975AETNA GRP14 82.42% 6.56%$138,217,047 33,33533,335AETNA BETTER HLTH INC15611 68.06%$422,512,590 106,258106,258AETNA BETTER HLTH INC15616 87.64%

$1,024,533,672 208,276208,276AETNA BETTER HLTH INC13735 63.32%$1,538,861,482 220,543220,543AETNA BETTER HLTH INC14043 94.39%

$0 00AETNA BETTER HLTH INC13174 N/A$858,309,676 21,99421,994AETNA BETTER HLTH INC14229 80.04%

$1,095,320,395 273,198273,198AETNA BETTER HLTH OF KY INS CO15761 76.00%$339,478,734 52,06452,064AETNA BETTER HLTH OF MI INC12193 84.92%$783,123,248 278,765278,765AETNA BETTER HLTH OF MO LLC95318 85.37%$251,605,637 89,21489,214AETNA BETTER HLTH OF TX INC95040 80.49%

$35,394,882 193,61193,590AETNA DENTAL INC95910 61.84%$11,257,279 183,0262,131AETNA DENTAL INC NJ CORP11183 81.25%

$111,235,102 23,83512,966AETNA HEALTH INC LA95173 77.76%$179,090,945 137,946137,946AETNA HLTH & LIFE INS CO78700 76.88%

$71,624,102 31,35417,621AETNA HLTH ASSUR PA INC15827 75.96%$246,800,140 26,02325,709AETNA HLTH INC CT CORP95935 78.20%

$1,987,690,930 286,427215,279AETNA HLTH INC FL CORP95088 80.79%$607,809,081 156,93595,516AETNA HLTH INC GA CORP95094 81.40%

$75,525,967 11,2429,376AETNA HLTH INC ME CORP95517 80.59%$898,503,348 74,88057,315AETNA HLTH INC NJ CORP95287 82.13%

© 2017 National Association of Insurance Commissioners 276

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Market Share for All statement types

Top 25 Groups by Company

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code as of Dec 31 as of Dec 31Covered Lives

Number of

Rank Group/Company Name

Group

$172,903,924 15,23115,226AETNA HLTH INC NY CORP952344 78.03%$4,493,196,978 820,130466,434AETNA HLTH INC PA CORP95109 82.76%

$432,284,056 58,35846,043AETNA HLTH INC TX CORP95490 89.13%$30,962,211 177,13499,220AETNA HLTH INS CO72052 92.53%

$157,474 63AETNA HLTH INS CO OF NY84450 53.80%$242,846,574 50,19134,326AETNA HLTH OF IA INC95241 89.10%

$26,566,032,861 31,989,15819,361,877AETNA LIFE INS CO60054 82.86%$293,599,817 88,89547,873ALTIUS HLTH PLANS INC95407 88.52%$422,689,837 217,617217,617AMERICAN CONTINENTAL INS CO12321 80.25%$423,037,404 280,131280,131CONTINENTAL LIFE INS CO BRENTWOOD68500 76.98%

$2,491,433,402 333,394258,613COVENTRY HLTH & LIFE INS CO81973 81.70%$1,373,079,144 355,665280,563COVENTRY HLTH CARE OF FL INC95114 80.09%

$402,687,414 80,03051,583COVENTRY HLTH CARE OF IL INC74160 88.93%$142,673,618 20,4268,794COVENTRY HLTH CARE OF KS INC95489 74.05%$896,053,500 291,313183,850COVENTRY HLTH CARE OF MO INC96377 81.02%$570,547,127 159,033137,391COVENTRY HLTH CARE OF NE INC95925 89.59%$352,025,010 85,95771,269COVENTRY HLTH CARE OF VA INC96555 88.08%$547,058,029 125,971125,971COVENTRY HLTH CARE OF W VA INC95408 84.91%

)$(53,042 00COVENTRY HLTH PLAN OF FL INC95266 0.00%$798,257,215 899,768890,079FIRST HLTH LIFE & HLTH INS CO90328 79.42%

$15,375,945 54,77634,343GROUP DENTAL SERV OF MD INC95846 66.54%$1,017,801,723 97,28085,719HEALTHASSURANCE PA INC11102 80.08%

$245,254,790 159,28191,900INNOVATION HLTH INS CO15097 89.33%$95,876,576 27,51016,054INNOVATION HLTH PLAN INC15098 87.35%

$0 00MHNET LIFE & HLTH INS CO12509 N/A

$32,054,237,634 17,962,9339,745,479HCSC GRP9175 87.38% 3.99%$149,052,029 107107DEARBORN NATL LIFE INS CO71129 84.21%

$819,420 17,43817,380DEARBORN NATL LIFE INS CO OF NY85090 93.49%

© 2017 National Association of Insurance Commissioners 277

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Market Share for All statement types

Top 25 Groups by Company

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code as of Dec 31 as of Dec 31Covered Lives

Number of

Rank Group/Company Name

Group

$65,167,474 9,2087,081GHS HMO INC DBA BLUELINCS HMO118145 94.97%$26,516,779 3,7723,772GHS INS CO29718 98.19%$35,304,808 4,5394,539GHS MANAGED HLTH CARE PLANS INC14048 111.27%

$1,394,508,315 515,794503,398HCSC INS SERV CO78611 84.87%$30,382,868,809 17,412,0759,209,202HEALTH CARE SERV CORP A MUT LEGAL RE70670 87.46%

$24,890,728,813 5,083,6044,979,816CENTENE CORP GRP12956 89.44% 3.10%$495,360,153 125,254125,254ABSOLUTE TOTAL CARE INC12959 86.55%$127,906,279 28,42721,263AMBETTER OF MAGNOLIA INC15762 80.60%$201,138,910 63,92443,663AMBETTER OF PEACH STATE INC15729 65.63%

$1,843,582,110 506,649506,649BANKERS RESERVE LIFE INS CO OF WI71013 88.55%$2,065,753,982 326,813324,822BUCKEYE COMM HLTH PLAN INC11834 82.03%

$803,487,015 250,937198,924CELTIC INS CO80799 77.90%$175,722,998 40,37740,377CELTICARE HLTH PLAN OF MA INC13632 80.60%

$1,094,913,560 300,649293,863COORDINATED CARE CORP95831 85.41%$691,404,409 206,513206,513COORDINATED CARE OF WA INC15352 88.81%

$46,875,769 4,1254,125FIDELIS SECURECARE OF MI INC10769 89.14%$283,557,247 60,89060,890GRANITE STATE HLTH PLAN INC14226 91.97%$506,195,258 94,05173,599HEALTH NET HLTH PLAN OF OR INC95800 94.23%

$1,497,665,829 317,381196,262HEALTH NET LIFE INS CO66141 112.29%$362,264,887 56,76143,392HEALTH NET OF AZ INC95206 115.51%$358,249,637 105,277105,277HOME STATE HLTH PLAN INC14218 93.32%

$1,215,197,892 216,619216,619ILLINICARE HLTH PLAN INC14053 99.56%$0 00KENTUCKY SPIRIT HEALTH PLAN INC14100 N/A

$1,750,365,283 472,533472,533LOUISIANA HEALTHCARE CONNECTIONS INC13970 85.34%$1,254,126,555 263,180263,180MAGNOLIA HLTH PLAN INC13923 89.66%

$108,770,222 38,44438,197MANAGED HLTH SERV INS CORP96822 139.03%$1,222,707,409 424,112424,112PEACH STATE HLTH PLAN INC12315 78.05%$1,114,535,954 0139,704SUNFLOWER STATE HLTH PLAN INC14345 86.63%

© 2017 National Association of Insurance Commissioners 278

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Market Share for All statement types

Top 25 Groups by Company

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code as of Dec 31 as of Dec 31Covered Lives

Number of

Rank Group/Company Name

Group

$3,646,007,818 569,257569,167SUNSHINE STATE HLTH PLAN INC131486 91.82%$3,522,377,270 518,350518,350SUPERIOR HLTHPLAN INC95647 85.70%

$502,562,367 93,08193,081TRILLIUM COMM HLTH PLAN INC12559 94.99%

$23,413,988,463 55,536,4342,488,653CIGNA HLTH GRP9017 83.09% 2.92%$14,072,484 2,38819ALLEGIANCE LIFE & HLTH INS CO INC12814 68.26%

$254,159,610 152,933152,933AMERICAN RETIREMENT LIFE INS CO88366 80.09%$279,360,993 18,18418,184BRAVO HLTH MID ATLANTIC INC10095 91.88%$721,850,813 46,27546,275BRAVO HLTH PA INC11524 88.83%

$5,728,490 2,0521,807CENTRAL RESERVE LIFE INS CO61727 43.11%$8,933,152 39,620729CIGNA DENTAL HLTH OF CO INC11175 59.78%

$231,331 996152CIGNA DENTAL HLTH OF DE INC95380 65.05%$32,835,114 158,5232,770CIGNA DENTAL HLTH OF FL INC52021 42.92%

$1,778,495 7,882389CIGNA DENTAL HLTH OF KS INC52024 53.82%$10,644,567 47,830989CIGNA DENTAL HLTH OF KY INC52108 45.37%$11,511,994 54,017822CIGNA DENTAL HLTH OF MD INC48119 46.18%

$4,867,424 22,366549CIGNA DENTAL HLTH OF MO INC11160 70.99%$5,302,547 21,622827CIGNA DENTAL HLTH OF NC INC95179 86.51%

$11,676,947 65,1771,462CIGNA DENTAL HLTH OF NJ INC11167 80.00%$8,296,591 40,205741CIGNA DENTAL HLTH OF OH INC47805 54.28%$5,337,497 23,275980CIGNA DENTAL HLTH OF PA INC47041 41.65%

$33,672,099 188,2821,372CIGNA DENTAL HLTH OF TX INC95037 44.59%$5,739,382 26,216786CIGNA DENTAL HLTH OF VA INC52617 47.32%

$13,741,897 70,036970CIGNA DENTAL HLTH PLAN OF AZ INC47013 51.23%$1,099,306 10959CIGNA HLTCARE OF IN INC95525 127.85%

$12,289,048,118 35,022,8341,436,793CIGNA HLTH & LIFE INS CO67369 81.63%$1 00CIGNA HLTHCARE NH INC95493 -14,000.00%

$600,299,395 57,30053,816CIGNA HLTHCARE OF AZ INC95125 96.09%$4,840,113 838438CIGNA HLTHCARE OF CO INC95604 131.81%

© 2017 National Association of Insurance Commissioners 279

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Market Share for All statement types

Top 25 Groups by Company

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code as of Dec 31 as of Dec 31Covered Lives

Number of

Rank Group/Company Name

Group

$9,759,373 31,86716,526CIGNA HLTHCARE OF CT INC956607 57.74%$981,413 19795CIGNA HLTHCARE OF FL INC95136 92.02%

$383,662,193 37,94737,730CIGNA HLTHCARE OF GA INC96229 95.60%$505,395 7038CIGNA HLTHCARE OF IL INC95602 62.22%

$89,021,061 8,7678,546CIGNA HLTHCARE OF NC INC95132 87.67%$3,880,401 13171CIGNA HLTHCARE OF NJ INC95500 99.70%

$95,548,857 9,6019,595CIGNA HLTHCARE OF SC INC95708 85.94%$22,181,835 2,7322,181CIGNA HLTHCARE OF ST LOUIS INC95635 95.66%$17,185,048 4,0182,222CIGNA HLTHCARE OF TN INC95606 75.03%

$106,305,526 14,2467,000CIGNA HLTHCARE OF TX INC95383 93.94%$112,655,727 1,067,4053,418CIGNA LIFE INS CO OF NY64548 89.16%

)$(1,357 5019CIGNA WORLDWIDE INS CO90859 0.00%$244,462,597 643,65442,846CONNECTICUT GEN LIFE INS CO62308 80.81%

$2,362,286,041 161,995161,995HEALTHSPRING LIFE & HLTH INS CO INC12902 86.52%$696,311,672 53,36253,362HEALTHSPRING OF AL INC95781 83.48%$863,117,416 47,68747,687HEALTHSPRING OF FL INC11532 83.72%

$1,667,901,750 126,457126,457HEALTHSPRING OF TN INC11522 82.29%$2,142,950,376 17,012,38030,793LIFE INS CO OF N AMER65498 82.64%

$185,567,703 211,927181,229LOYAL AMER LIFE INS CO65722 66.24%$9,706,476 2,3512,351PROVIDENT AMER LIFE & HLTH INS CO67903 68.27%

$74,970,600 30,63030,630STERLING LIFE INS CO77399 73.08%

$17,002,130,010 4,197,3803,207,225INDEPENDENCE HLTH GRP INC GRP9368 88.27% 2.12%$493,917,405 104,048104,048AMERIHEALTH CARITAS DC INC15088 78.42%

$1,399,957,987 222,977222,977AMERIHEALTH CARITAS IA INC15800 114.03%$908,285,840 222,880222,880AMERIHEALTH CARITAS LA INC14143 84.38%$445,834,088 63,31243,937AMERIHEALTH HMO INC95044 85.59%$926,931,366 129,45976,360AMERIHEALTH INS CO OF NJ60061 92.09%

$78,253,972 3,3993,399AMERIHEALTH MI INC15104 94.83%

© 2017 National Association of Insurance Commissioners 280

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Market Share for All statement types

Top 25 Groups by Company

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code as of Dec 31 as of Dec 31Covered Lives

Number of

Rank Group/Company Name

Group

$86,073,746 26,41526,415AMERIHEALTH NE INC142618 94.61%$1,102,822,771 327,306327,306FLORIDA TRUE HLTH INC14378 88.09%

$378,366,632 142,388101,461INDEPENDENCE HOSPITAL IND PLAN INC54704 93.59%$5,146,872 3,0372,215INTER CNTY HLTH PLAN INC53252 84.77%

$14,548,806 2,9702,181INTER CTY HOSPITALIZATION PLAN INC54763 95.62%$3,081,124,956 638,630410,137KEYSTONE HLTH PLAN E INC95056 80.47%$2,169,137,350 1,258,933612,283QCC INS CO93688 82.51%$1,337,449,065 361,174361,174SELECT HLTH OF SC INC95458 84.34%$4,574,279,154 690,452690,452VISTA HLTH PLAN INC96660 90.20%

$15,379,712,688 3,508,1133,358,076MOLINA HEALTHCARE INC GRP15319 84.37% 1.91%$1,944,376,544 552,630495,157MOLINA HLTHCARE OF FL INC13128 90.01%

$797,402,467 194,988194,988MOLINA HLTHCARE OF IL INC14104 93.06%$2,105,395,526 391,148390,030MOLINA HLTHCARE OF MI52630 81.59%$1,392,311,664 253,687249,262MOLINA HLTHCARE OF NM95739 82.54%$2,201,209,530 332,102329,617MOLINA HLTHCARE OF OH INC12334 77.85%

$746,652,388 329,509329,509MOLINA HLTHCARE OF PR INC15600 90.34%$412,116,766 109,249109,249MOLINA HLTHCARE OF SC INC LLC15329 80.36%

$2,560,679,683 309,908270,907MOLINA HLTHCARE OF TX INC10757 80.67%$49,521,524 27,36827,368MOLINA HLTHCARE OF TX INS CO13778 84.14%

$455,391,910 145,757122,164MOLINA HLTHCARE OF UT INC DBA AMFAM95502 90.56%$0 00MOLINA HLTHCARE OF VA INC15133 N/A

$2,309,900,658 736,233728,751MOLINA HLTHCARE OF WA INC96270 85.83%$404,754,028 125,534111,074MOLINA HLTHCARE OF WI INC12007 96.66%

$15,060,969,709 22,837,58613,186,515HIGHMARK GRP81210 87.15% 1.88%$491,994,966 87,63653,398FIRST PRIORITY LIFE INS CO INC60147 96.84%

$2,381,540,661 360,154360,154GATEWAY HLTH PLAN INC96938 84.16%$78,668,506 7,7807,780GATEWAY HLTH PLAN OF OH INC12325 84.48%

$706,119,635 350,622192,439HIGHMARK BCBSD INC53287 88.90%

© 2017 National Association of Insurance Commissioners 281

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Market Share for All statement types

Top 25 Groups by Company

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code as of Dec 31 as of Dec 31Covered Lives

Number of

Rank Group/Company Name

Group

$42,899,161 4,7942,775HIGHMARK BENEFITS GRP INC1550810 84.66%$116,283,817 445,211222,659HIGHMARK CAS INS CO35599 60.46%

$13,235,097 1,615830HIGHMARK COVERAGE ADVANTAGE INC15507 76.70%$3,462,406,366 3,318,2611,670,905HIGHMARK INC54771 87.28%

$70,501,320 13,3828,489HIGHMARK SELECT RESOURCES INC10131 121.24%$2,362,516,622 189,719189,719HIGHMARK SENIOR HLTH CO15460 88.00%

$86,345,449 6,9496,949HIGHMARK SENIOR SOLUTIONS CO15459 94.54%$1,145,000,345 285,887152,567HIGHMARK WEST VIRGINIA INC.54828 89.52%

$671,466,548 184,978116,879HM HLTH INS CO71768 88.05%$673,752,464 11,099,4085,765,914HM LIFE INS CO93440 76.70%

$72,233,916 3,262,4462,395,263HM LIFE INS CO OF NY60213 78.05%$41,432,918 26,00215,019HMO OF NE PA96601 82.90%

$1,540,781,545 162,233140,888KEYSTONE HLTH PLAN W INC95048 86.25%$15,170,018 00UNITED CONCORDIA COMPANIES INC89070 509.69%$10,240,317 48,62726,508UNITED CONCORDIA DENTAL PLAN PA INC47089 81.65%

$3,279,617 18,20910,451UNITED CONCORDIA DENTAL PLANS95253 54.80%$440,145 1,626631UNITED CONCORDIA DENTAL PLANS OF KY52048 75.65%$714,674 4,1152,108UNITED CONCORDIA DENTAL PLANS TX INC95160 63.89%

$6,930,739 23,8738,743UNITED CONCORDIA DENTAL PLNS OF MW96150 87.40%$266,399,882 737,064380,719UNITED CONCORDIA INS CO85766 75.16%

$7,254,462 16,8699,530UNITED CONCORDIA INS CO OF NY60222 75.77%$493,783,793 2,117,7761,382,848UNITED CONCORDIA LIFE & HLTH INS CO62294 87.46%$299,576,726 62,35062,350WEST VIRGINIA FAMILY HLTH PLAN INC15020 93.58%

$13,312,359,663 5,429,9783,277,529GUIDEWELL MUT HOLDING GRP53611 79.52% 1.66%$9,408,754,222 4,325,8102,558,256BCBS OF FL98167 78.82%

$23,290,614 2,8602,860BEHEALTHY FLORIDA INC15118 89.36%$764,555,243 134,42273,280CAPITAL HLTH PLAN INC95112 95.16%$100,853,874 326,282183,773FLORIDA COMBINED LIFE INS CO INC76031 66.78%

© 2017 National Association of Insurance Commissioners 282

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Market Share for All statement types

Top 25 Groups by Company

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code as of Dec 31 as of Dec 31Covered Lives

Number of

Rank Group/Company Name

Group

$426,923,827 67,76850,001FLORIDA HLTH CARE PLAN INC1356711 83.93%$2,587,981,883 572,836409,359HEALTH OPTIONS INC95089 77.14%

$12,822,152,401 2,696,7861,502,595KAISER FOUNDATION GRP60112 92.56% 1.60%$1,337,204,819 249,687174,949KAISER FOUND HLTH PLAN INC HI REGION11538 97.49%$3,198,593,221 659,719418,772KAISER FOUND HLTH PLAN MID ATLANTI95639 90.91%$3,407,009,847 588,470381,211KAISER FOUND HLTH PLAN OF CO95669 93.70%$1,421,842,437 273,610158,276KAISER FOUND HLTH PLAN OF GA INC96237 91.86%$3,334,522,853 498,474288,711KAISER FOUND HLTH PLAN OF THE NW95540 92.19%

$122,979,224 426,82680,676KAISER PERMANENTE INS CO60053 68.54%

$12,581,290,688 3,568,7163,568,716WELLCARE GRP119913 83.17% 1.57%$1,069,893,084 264,043264,043HARMONY HLTH PLAN INC11229 81.75%

$349,539,581 120,967120,967MISSOURI CARE INC12913 84.95%$731,026,965 68,69568,695WELLCARE HLTH INS OF AZ INC83445 82.31%

$2,751,869,130 528,762528,762WELLCARE HLTH INS OF KY INC64467 86.29%$2,523,135 852852WELLCARE HLTH PLANS OF KY INC15510 112.06%

$454,620,407 63,42463,424WELLCARE HLTH PLANS OF NJ INC13020 79.28%$81,199,271 6,8146,814WELLCARE OF CT INC95310 85.99%

$3,679,723,666 874,122874,122WELLCARE OF FL INC95081 82.90%$2,041,553,868 611,144611,144WELLCARE OF GA INC10760 84.62%

)$(10,662 00WELLCARE OF OH INC12749 0.00%$277,613,851 86,73786,737WELLCARE OF SC INC11775 82.28%$386,161,946 48,94148,941WELLCARE OF TX INC12964 82.82%$755,576,446 894,215894,215WELLCARE PRESCRIPTION INS INC10155 73.77%

$12,103,434,988 5,275,7773,028,572BCBS OF MI GRP57214 84.78% 1.51%$7,899,996,369 4,390,6292,430,605BCBS OF MI MUT INS CO54291 86.51%$3,452,689,971 669,741387,619BLUE CARE NETWORK OF MI95610 81.49%

$761,950 13595BLUE CARE OF MI INC52037 94.72%

© 2017 National Association of Insurance Commissioners 283

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Market Share for All statement types

Top 25 Groups by Company

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code as of Dec 31 as of Dec 31Covered Lives

Number of

Rank Group/Company Name

Group

$710,792,101 173,816173,816BLUE CROSS COMPLETE OF MI LLC1155714 83.37%$39,194,597 41,45636,437LIFESECURE INS CO77720 51.02%

$11,647,150,885 2,456,4111,771,922BCBS OF NJ GRP120215 86.20% 1.45%$16,555,098 79,11541,803HORIZON HLTHCARE DENTAL INC11146 82.61%

$4,868,044,128 897,267894,619HORIZON HLTHCARE OF NJ INC95529 86.83%$6,145,492,561 1,283,634665,281HORIZON HLTHCARE SERV INC55069 85.65%

$617,059,098 196,395170,219HORIZON INS CO14690 86.79%

$8,518,262,409 2,019,2371,131,006CAREFIRST INC GRP38016 84.72% 1.06%$3,100,640,121 669,238387,438CAREFIRST BLUECHOICE INC96202 80.18%$1,871,800,383 595,953336,182CAREFIRST OF MD INC47058 86.86%

$610,863 1,4371,435FIRST CARE INC60113 69.16%$3,541,306,918 722,128387,574GROUP HOSPITALIZATION & MED SRVCS53007 87.55%

$3,904,124 30,48118,377THE DENTAL NETWORK INC13130 95.00%

$8,102,410,106 28,180,181451,061METROPOLITAN GRP24117 96.13% 1.01%$0 00AMERICAN LIFE INS CO60690 N/A

$68,851,813 40,917780DELAWARE AMER LIFE INS CO62634 62.10%$6,497,059 5,0675,067GENERAL AMER LIFE INS CO63665 169.07%

$268,230 6,305178METLIFE HLTH PLANS INC14170 88.86%$232,833,141 86,9005,559METLIFE INS CO USA87726 368.77%

$7,738,994,789 27,535,411305,475METROPOLITAN LIFE INS CO65978 88.52%$19,800,312 282,435108,629METROPOLITAN PROP & CAS INS CO26298 35.59%

$7,348,833 6836,083NEW ENGLAND LIFE INS CO91626 16.37%$9,482,683 83,1544,578SAFEGUARD HLTH PLANS INC95051 50.19%

$18,079,693 125,3638,219SAFEGUARD HLTH PLANS INC52009 66.18%$253,553 13,9466,493SAFEHEALTH LIFE INS CO79014 33.47%

$7,610,125,392 2,601,4121,508,528EMBLEM HLTH GRP112718 90.28% 0.95%$273,380,646 48,93234,857CONNECTICARE BENEFITS INC14913 94.51%

© 2017 National Association of Insurance Commissioners 284

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Market Share for All statement types

Top 25 Groups by Company

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code as of Dec 31 as of Dec 31Covered Lives

Number of

Rank Group/Company Name

Group

$794,213,827 88,09072,529CONNECTICARE INC9567518 84.04%$772,766,741 174,09291,667CONNECTICARE INS CO INC11209 95.10%

$4,828,118 756437CONNECTICARE OF MA INC95299 104.50%$907,543,051 1,652,133829,614GROUP HLTH INC55239 81.54%

$4,849,127,508 630,494473,385HEALTH INS PLAN OF GREATER NY55247 91.94%$8,265,501 6,9156,039HIP INS CO OF NY60094 78.82%

$7,265,980,624 3,771,6152,029,882BCBS OF MA GRP363719 87.10% 0.90%$2,668,250,631 3,002,4061,632,716BCBS OF MA53228 89.72%$4,597,729,993 769,209397,166BCBS OF MA HMO BLUE INC12219 85.59%

$7,263,493,105 3,792,9042,397,824BCBS OF TN GRP349820 83.77% 0.90%$4,744,389,569 2,852,3131,579,347BCBS OF TN INC54518 86.50%

$56,536,081 248,373127,135GOLDEN SECURITY INS CO65463 69.56%$21,744,255 2,9602,960SECURITYCARE OF TN INC15005 90.27%

$2,440,823,200 689,258688,382VOLUNTEER STATE HLTH PLAN INC14046 78.73%

$7,240,831,723 3,169,8782,052,603BCBS OF NC GRP75821 81.53% 0.90%$7,240,831,723 3,169,8782,052,603BCBS OF NC INC54631 81.53%

$7,186,389,377 1,417,5411,391,329CARESOURCE GRP368322 88.74% 0.89%$7,052,975,717 1,378,4531,363,097CARESOURCE95201 88.53%

$95,447,177 25,75818,233CARESOURCE IN10142 96.71%$32,502,831 12,1679,125CARESOURCE KY CO15479 109.74%

$5,463,652 1,163874CARESOURCE W VA CO15728 97.25%

$6,320,187,090 3,409,5511,064,280UPMC HLTH SYSTEM GRP132423 91.62% 0.79%$873,236,342 2,247,7710COMMUNITY CARE BEHAVIORAL HLTH ORG47024 88.35%

$2,267,104,056 426,145426,145UPMC FOR YOU INC11995 91.64%$28,416,991 171,952171,952UPMC HLTH BENEFITS INC11018 79.07%$26,884,848 7,6877,687UPMC HLTH COVERAGE INC15451 84.66%

© 2017 National Association of Insurance Commissioners 285

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Market Share for All statement types

Top 25 Groups by Company

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code as of Dec 31 as of Dec 31Covered Lives

Number of

Rank Group/Company Name

Group

$82,227,770 8,7568,756UPMC HLTH NTWRK INC1199423 88.27%$1,551,149,732 374,548281,117UPMC HLTH OPTIONS INC15345 96.82%$1,491,167,351 172,692168,623UPMC HLTH PLAN INC95216 88.63%

$6,126,239,088 1,794,1071,120,536LIFETIME HLTHCARE GRP118624 87.28% 0.76%$5,984,259,235 1,682,5501,008,979EXCELLUS HLTH PLAN INC55107 85.79%

$90,188,925 85,90485,904MEDAMERICA INS CO69515 133.55%$4,096,046 2,3032,303MEDAMERICA INS CO OF FL12967 109.18%

$47,694,882 23,35023,350MEDAMERICA INS CO OF NY83437 185.21%

$5,845,166,019 22,862,8123,979,131UNUM GRP56525 84.56% 0.73%$1,104,206,350 2,605,2642,222,511COLONIAL LIFE & ACCIDENT INS CO62049 49.07%

$343,954,251 1,414,022104,009FIRST UNUM LIFE INS CO64297 96.04%$257,088,618 225,766187,266PAUL REVERE LIFE INS CO67598 135.55%$738,041,241 833,214831,527PROVIDENT LIFE & ACCIDENT INS CO68195 91.80%

$87,393,526 47,53947,369PROVIDENT LIFE & CAS INS CO68209 88.42%$93,641,188 481,518266,854STARMOUNT LIFE INS CO68985 67.47%

$3,220,840,845 17,255,489319,595UNUM LIFE INS CO OF AMER62235 90.16%

$803,144,575,350 909,324,206425,474,21826 85.44%

© 2017 National Association of Insurance Commissioners 286

Market Share by Statement Type

Grand Total Business

© 2017 National Association of Insurance Commissioners 287

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© 2017 National Association of Insurance Commissioners 288

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Market Share for Life, Accident & Health

Grand Total Individual, Group and Other Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

$47,366,178,707 26,553,716UNITEDHEALTH GRP7071 18,449,72180.30% 27.98% 27.98%$28,389,108,262 33,524,620AETNA GRP12 20,887,65082.60% 16.77% 44.74%$15,319,248,340 54,146,216CIGNA HLTH GRP9013 1,882,81981.54% 9.05% 53.79%

$8,054,525,635 27,668,978METROPOLITAN GRP2414 322,96496.40% 4.76% 58.55%$5,845,166,019 22,862,812UNUM GRP5655 3,979,13184.56% 3.45% 62.00%$5,163,190,145 21,912,787AFLAC GRP3706 11,953,39654.32% 3.05% 65.05%$3,736,202,069 24,367,818MUTUAL OF OMAHA GRP2617 6,957,48374.00% 2.21% 67.26%$3,663,541,729 19,341,654GUARDIAN LIFE GRP4298 12,026,25070.32% 2.16% 69.42%$2,813,249,838 1,308,074GENWORTH FIN GRP40119 1,206,682144.91% 1.66% 71.08%$2,185,099,363 1,200,368JOHN HANCOCK GRP90410 1,200,060140.66% 1.29% 72.37%$2,098,157,242 19,616,985AEGON US HOLDING GRP46811 16,453,52586.60% 1.24% 73.61%$1,944,072,873 911,722BCBS OF KS GRP43012 517,53988.81% 1.15% 74.76%$1,929,560,455 7,589,877SUN LIFE ASSUR CO OF CN GRP54913 80,49677.00% 1.14% 75.90%$1,924,376,706 6,908,706TOKIO MARINE HOLDINGS INC GRP309814 83,91976.80% 1.14% 77.04%$1,917,636,569 1,859,818CNO FINANCIAL GRP23315 1,501,02898.55% 1.13% 78.17%$1,854,635,346 1,256,880NORTHWESTERN MUT GRP86016 1,042,22067.48% 1.10% 79.26%$1,800,502,175 15,121,008HARTFORD FIRE & CAS GRP9117 85,77778.29% 1.06% 80.33%$1,613,377,406 4,377,678PRINCIPAL FIN GRP33218 3,391,58863.63% 0.95% 81.28%$1,528,588,180 8,993,959MEIJI YASUDA LIFE INS GRP134819 8,494,45374.74% 0.90% 82.18%$1,497,665,829 317,381CENTENE CORP GRP129520 196,262112.29% 0.88% 83.07%$1,348,527,450 8,217,638PRUDENTIAL OF AMER GRP30421 91,31173.57% 0.80% 83.86%$1,287,903,401 8,564,118LINCOLN NATL GRP2022 99,09765.77% 0.76% 84.63%$1,109,713,981 4,586,826TORCHMARK CORP GRP29023 12,600,42668.87% 0.66% 85.28%$1,075,938,660 4,378,102ASSURANT INC GRP1924 3,432,015106.51% 0.64% 85.92%$1,059,411,075 7,699,010VOYA FINANCIAL GRP483225 3,633,38673.69% 0.63% 86.54%

$961,851,028 6,611,301LIBERTY MUT GRP11126 6,611,30184.99% 0.57% 87.11%$882,683,660 6,727,820ALLSTATE INS GRP827 3,497,57155.01% 0.52% 87.63%$870,252,442 1,985,062AMERITAS MUT HOLDING GRP94328 234,70763.68% 0.51% 88.15%$824,916,439 16,587,501FIDELITY SECURITY GRP45129 5,122,96273.25% 0.49% 88.63%$824,019,336 2,139,838AMERICAN FIDELITY CORP GRP33030 1,697,40354.69% 0.49% 89.12%$754,444,260 0CHUBB LTD GRP62631 061.79% 0.45% 89.57%$745,986,380 14,361,854HIGHMARK GRP81232 8,161,17776.83% 0.44% 90.01%$715,387,896 1,576,808BCBS OF SC GRP66133 1,121,33774.97% 0.42% 90.43%

© 2017 National Association of Insurance Commissioners 289

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Market Share for Life, Accident & Health

Grand Total Individual, Group and Other Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

$707,738,251 328,732MASS MUT LIFE INS GRP43534 342,19683.27% 0.42% 90.85%$683,884,533 2,772,618SUMITOMO LIFE INS GRP485535 1,758,41467.83% 0.40% 91.25%$571,800,264 22,225,950CUNA MUT GRP30636 19,766,19250.33% 0.34% 91.59%$514,822,513 56,593UNIVERSAL AMER FIN CORP GRP95337 55,83482.77% 0.30% 91.89%$500,120,741 105,857WEA INS CORP7227338 47,72895.79% 0.30% 92.19%$472,422,576 1,572,304NEW YORK LIFE GRP82639 1,557,12495.27% 0.28% 92.47%$472,262,573 4,965,493NESTLE SA GRP448340 161,48571.81% 0.28% 92.75%$430,618,508 1,337,055GENEVE HOLDINGS INC GRP45041 1,234,96557.57% 0.25% 93.00%$410,866,136 4,144,954MINNESOTA MUT GRP86942 2,421,11847.72% 0.24% 93.24%$407,847,513 312,850AMERICAN ENTERPRISE MUT GRP352743 298,82072.51% 0.24% 93.48%$367,813,116 3,846,185NATIONAL GUARDIAN LIFE INS GRP121144 2,206,12763.61% 0.22% 93.70%$365,729,809 239,104AMERIPRISE FIN GRP445 239,104174.31% 0.22% 93.92%$362,989,917 1,704,539AMERICAN INTL GRP1246 955,28477.65% 0.21% 94.13%$341,551,153 433,369PHYSICIANS MUT GRP36747 381,09684.56% 0.20% 94.33%$314,449,064 1,623,781NATIONWIDE CORP GRP14048 1,492,19164.06% 0.19% 94.52%$313,612,461 808,564TRUSTMARK MUT HOLDING CO GRP27649 587,81559.26% 0.19% 94.70%$311,325,203 161,547BLUE SHIELD OF CA GRP279850 102,86873.85% 0.18% 94.89%$307,322,753 144,588MEDICAL CARD SYSTEM INC GRP130151 68,32483.72% 0.18% 95.07%$301,214,925 201,154NEW ERA LIFE GRP52052 170,36379.06% 0.18% 95.25%$295,072,547 3,939,676WR BERKLEY CORP GRP9853 4,41777.20% 0.17% 95.42%$291,190,296 703,004HUMANA GRP11954 489,735275.44% 0.17% 95.59%$289,613,237 141,599UNITED SERV AUTOMOBILE ASSN GRP20055 136,37775.97% 0.17% 95.76%$285,800,509 87,936NIPPON LIFE INS CO OF AMER8126456 47,37079.32% 0.17% 95.93%$276,743,966 478,883WESTBRIDGE CAPITAL GRP83957 310,36354.96% 0.16% 96.10%$243,422,915 514,540GUARANTEE TRUST GRP68758 431,56758.87% 0.14% 96.24%$232,364,906 591,293AMERICAN NATL FIN GRP40859 473,67964.22% 0.14% 96.38%$224,481,854 283,936MANHATTAN LIFE GRP111760 229,23572.42% 0.13% 96.51%$214,407,622 160,917PAN AMER LIFE GRP52561 72,09065.51% 0.13% 96.64%$213,498,760 218,980CONTINENTAL GEN INS CO7140462 162,777103.20% 0.13% 96.76%$199,430,836 104,453EQUITABLE LIFE & CAS INS CO6295263 99,44295.00% 0.12% 96.88%$196,730,399 1,971,530ANTHEM INC GRP67164 1,818,18675.06% 0.12% 97.00%$187,152,168 930,005HEALTHMARKETS GRP26465 627,92332.57% 0.11% 97.11%$184,304,543 123,641ALLIANZ INS GRP76166 101,083324.04% 0.11% 97.22%

© 2017 National Association of Insurance Commissioners 290

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Market Share for Life, Accident & Health

Grand Total Individual, Group and Other Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

$163,080,786 948,735BCS INS GRP2367 463,55758.07% 0.10% 97.31%$149,871,449 17,545HCSC GRP91768 17,48784.26% 0.09% 97.40%$149,614,359 491,041KEMPER CORP GRP21569 338,95553.44% 0.09% 97.49%$141,979,853 111,557LIFETIME HLTHCARE GRP118670 111,557150.20% 0.08% 97.57%$137,781,135 1,520,086FORTRESS GRP471671 870,40939.08% 0.08% 97.65%$129,500,865 179,847AMTRUST NGH GRP253872 122,46692.39% 0.08% 97.73%$127,178,052 477,848NATIONAL TEACHERS ASSOC LIFE GROUP479673 285,55557.71% 0.08% 97.81%$123,739,628 467,712ARKANSAS BCBS GRP87674 5,86555.27% 0.07% 97.88%$121,708,136 223,458PREMERA BLUE CROSS GRP96275 11,26377.82% 0.07% 97.95%$119,253,929 950,189ONEAMERICA FIN PARTNERS GRP61976 949,46881.00% 0.07% 98.02%$113,511,584 64,726SENIOR HLTH INS CO OF PA7632577 58,733231.07% 0.07% 98.09%$112,628,535 68,767MAPFRE INS GRP41178 23,82184.99% 0.07% 98.16%$111,216,706 1,451,717TIPTREE FIN GRP471879 1,451,71716.74% 0.07% 98.22%$111,146,020 52,382ADVANTAGE CAPITAL GRP482480 51,567135.21% 0.07% 98.29%$108,974,781 170,261ASSURITY GRP486281 129,00359.90% 0.06% 98.35%$107,683,103 66,269COUNTRY INS & FIN SERV GRP5082 64,046114.14% 0.06% 98.41%$104,297,917 1,504,036UNION LABOR GRP78183 1,186,93562.92% 0.06% 98.48%$100,853,874 326,282GUIDEWELL MUT HOLDING GRP53684 183,77366.78% 0.06% 98.54%

$99,488,970 46,287AMERCO CORP GRP57485 37,94681.16% 0.06% 98.59%$95,047,941 65,577ATLANTIC AMER GRP58786 65,57767.41% 0.06% 98.65%$94,998,026 298,447UNIFIED LIFE INS CO1112187 213,27958.35% 0.06% 98.71%$90,287,296 1,536,489SHELTERPOINT GRP INC480388 1,454,07455.48% 0.05% 98.76%$76,206,027 65,987PEKIN INS GRP15389 60,28871.13% 0.05% 98.81%$72,292,561 36,135GOLDMAN SACHS GRP389190 36,12476.85% 0.04% 98.85%$71,559,206 424,567AAA LIFE GRP485391 424,56741.16% 0.04% 98.89%$68,901,645 579,435BOSTON MUT GRP58192 485,48652.21% 0.04% 98.93%$68,564,469 0TRIPLE S GRP480293 067.38% 0.04% 98.97%$63,024,197 60,322AXA INS GRP96894 58,292454.43% 0.04% 99.01%$59,610,054 122,486ILLINOIS MUT LIFE INS CO6458095 114,83866.37% 0.04% 99.04%$59,204,412 1GREAT WEST GRP76996 1116.80% 0.03% 99.08%$59,183,280 51,614RESOLUTION LIFE GRP481597 34,380284.66% 0.03% 99.11%$58,449,075 110,046PROTECTIVE LIFE INS GRP45898 110,04665.73% 0.03% 99.15%$55,626,489 196,686KANSAS CITY LIFE INS GRP58899 153,38062.11% 0.03% 99.18%

© 2017 National Association of Insurance Commissioners 291

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Market Share for Life, Accident & Health

Grand Total Individual, Group and Other Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

$54,406,547 234,384CENTRAL STATES GRP690100 234,31542.04% 0.03% 99.21%$51,279,648 26,974OLD SURETY LIFE INS CO67326101 26,97468.80% 0.03% 99.24%$50,555,450 139,111JACKSON NATL GRP918102 118,685238.87% 0.03% 99.27%$49,521,524 27,368MOLINA HEALTHCARE INC GRP1531103 27,36884.14% 0.03% 99.30%$48,612,729 48,001INDIVIDUAL ASSUR CO LIFE HLTH & ACC81779104 40,16075.38% 0.03% 99.33%$43,713,747 124,041ZURICH INS GRP212105 124,665116.44% 0.03% 99.36%$43,195,950 0CITIZENS SECURITY LIFE INS CO61921106 058.31% 0.03% 99.38%$41,836,133 18,672GGC GRP4736107 16,20888.54% 0.02% 99.41%$39,194,597 41,456BCBS OF MI GRP572108 36,43751.02% 0.02% 99.43%$34,345,573 18,267OHIO NATL LIFE GRP704109 18,26788.54% 0.02% 99.45%$33,488,546 57,762SOUTHERN FARM BUREAU LIFE INS CO68896110 45,709223.65% 0.02% 99.47%$33,252,705 102,134BEST LIFE & HLTH INS CO90638111 65,91260.73% 0.02% 99.49%$32,924,340 17,125UNITED SECURITY ASSUR CO OF PA42129112 17,12587.10% 0.02% 99.51%$32,702,220 15,999GPM LIFE GRP4712113 16,00083.43% 0.02% 99.53%$30,529,702 18,446HEARTLAND NATL LIFE INS CO66214114 18,44673.52% 0.02% 99.55%$30,508,023 195,382MULTINATIONAL GRP4804115 137,78244.22% 0.02% 99.56%$29,989,055 79,307LIFE INS CO OF AL65412116 47,98850.00% 0.02% 99.58%$28,707,992 0TRANS OCEANIC LIFE INS CO69523117 349,50443.26% 0.02% 99.60%$26,813,249 22,023FEDERATED MUT GRP7118 22,02319.28% 0.02% 99.62%$26,191,838 142,002WEST SOUTHERN GRP836119 69,496110.59% 0.02% 99.63%$25,168,284 16,168STATE MUT INS CO69132120 16,16750.12% 0.01% 99.65%$25,142,859 59,472WILTON RE GRP4213121 59,20082.94% 0.01% 99.66%$23,453,606 10,779NATIONAL LIFE GRP634122 15,248236.25% 0.01% 99.67%$23,283,687 213,576ATHENE GRP4734123 123,61450.11% 0.01% 99.69%$22,283,397 76,171AMALGAMATED LIFE INS CO60216124 2,62068.78% 0.01% 99.70%$21,609,704 499,097OLD REPUBLIC GRP150125 486,39121.85% 0.01% 99.71%

$169,310,941,137 458,582,363GRAND TOTAL 209,095,93582.62% 100.00%

© 2017 National Association of Insurance Commissioners 292

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Market Share for Health

Grand Total Individual, Group and Other Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

$78,947,837,434 12,986,336UNITEDHEALTH GRP7071 11,364,21780.95% 12.58% 12.58%$58,544,984,362 44,937,867ANTHEM INC GRP6712 25,742,45783.66% 9.33% 21.92%$53,142,914,051 17,944,775HUMANA GRP1193 14,887,27384.53% 8.47% 30.39%$31,904,366,185 17,945,388HCSC GRP9174 9,727,99287.39% 5.09% 35.47%$24,313,567,582 5,271,561AETNA GRP15 3,868,32582.21% 3.88% 39.35%$23,393,062,984 4,766,223CENTENE CORP GRP12956 4,783,55487.98% 3.73% 43.08%$17,002,130,010 4,197,380INDEPENDENCE HLTH GRP INC GRP9367 3,207,22588.27% 2.71% 45.79%$15,330,191,164 3,480,745MOLINA HEALTHCARE INC GRP15318 3,330,70884.37% 2.44% 48.23%$14,198,699,512 8,030,521HIGHMARK GRP8129 4,802,67987.91% 2.26% 50.49%$13,211,505,789 5,103,696GUIDEWELL MUT HOLDING GRP53610 3,093,75679.62% 2.11% 52.60%$12,822,152,401 2,696,786KAISER FOUNDATION GRP60111 1,502,59592.56% 2.04% 54.64%$12,581,290,688 3,568,716WELLCARE GRP119912 3,568,71683.17% 2.01% 56.65%$12,064,240,391 5,234,321BCBS OF MI GRP57213 2,992,13584.89% 1.92% 58.57%$11,647,150,885 2,456,411BCBS OF NJ GRP120214 1,771,92286.20% 1.86% 60.43%

$8,518,262,409 2,019,237CAREFIRST INC GRP38015 1,131,00684.72% 1.36% 61.78%$8,094,740,123 1,390,218CIGNA HLTH GRP90116 605,83486.03% 1.29% 63.07%$7,610,125,392 2,601,412EMBLEM HLTH GRP112717 1,508,52890.28% 1.21% 64.29%$7,265,980,624 3,771,615BCBS OF MA GRP363718 2,029,88287.10% 1.16% 65.45%$7,263,493,105 3,792,904BCBS OF TN GRP349819 2,397,82483.77% 1.16% 66.60%$7,240,831,723 3,169,878BCBS OF NC GRP75820 2,052,60381.53% 1.15% 67.76%$7,186,389,377 1,417,541CARESOURCE GRP368321 1,391,32988.74% 1.15% 68.90%$6,291,770,099 3,237,599UPMC HLTH SYSTEM GRP132422 892,32891.67% 1.00% 69.91%$5,984,259,235 1,682,550LIFETIME HLTHCARE GRP118623 1,008,97985.79% 0.95% 70.86%$5,755,714,632 2,449,844BCBS OF MN GRP46124 1,568,56391.34% 0.92% 71.78%$5,171,883,869 3,481,047BCBS OF AL GRP57025 1,950,44889.15% 0.82% 72.60%$5,080,877,360 2,123,169CAMBIA HEALTH SOLUTIONS INC120726 1,167,02382.58% 0.81% 73.41%$4,511,388,028 774,268MEDICA GRP155227 669,00695.46% 0.72% 74.13%$4,108,022,189 2,248,821PREMERA BLUE CROSS GRP96228 1,187,23288.41% 0.65% 74.78%$3,767,720,229 2,534,566BCBS OF SC GRP66129 1,509,00985.16% 0.60% 75.39%$3,668,865,845 2,277,368WELLMARK INC GRP77030 1,251,99085.86% 0.58% 75.97%$3,470,570,872 879,117CAIDAN ENTERPRISES INC GRP464031 879,11788.62% 0.55% 76.52%$3,405,135,132 677,707SPECTRUM HLTH GRP338332 450,93785.57% 0.54% 77.07%$3,355,927,291 646,023GROUP HLTH COOP GRP118533 425,65289.01% 0.53% 77.60%

© 2017 National Association of Insurance Commissioners 293

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Market Share for Health

Grand Total Individual, Group and Other Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

$3,269,644,252 854,584LOUISIANA HLTH SERV GRP43834 511,89585.99% 0.52% 78.12%$3,230,636,387 734,075HAWAII MEDICAL SERV ASSN4994835 500,20385.73% 0.51% 78.64%$3,135,345,067 5,535,137CVS CAREMARK GRP466736 5,532,89270.65% 0.50% 79.14%$3,072,785,170 479,042MVP GRP119837 389,98187.54% 0.49% 79.63%$3,049,963,804 932,703HARVARD PILGRIM HLTH CARE GRP59538 512,73087.90% 0.49% 80.11%$2,970,851,000 999,564HEALTHPARTNERS GRP125839 572,43189.63% 0.47% 80.59%$2,817,268,631 731,845TUFTS GRP474240 615,35888.00% 0.45% 81.04%$2,708,470,886 1,729,314ARKANSAS BCBS GRP87641 1,141,01088.21% 0.43% 81.47%$2,697,106,394 1,103,684MEDICAL MUT OF OH GRP73042 581,31685.14% 0.43% 81.90%$2,651,462,152 850,849TRIPLE S GRP480243 689,42087.91% 0.42% 82.32%$2,619,843,103 883,616IHC INC GRP88044 444,13595.69% 0.42% 82.74%$2,567,923,982 438,286NEIGHBORHOOD HLTH PLAN INC1110945 377,89998.30% 0.41% 83.15%$2,545,551,408 557,463GEISINGER INS GRP114346 427,41185.90% 0.41% 83.55%$2,416,706,785 416,020HENRY FORD HLTH SYSTEM GRP131147 230,40190.00% 0.39% 83.94%$2,311,217,913 575,815HEALTH NOW NY INC5520448 316,58488.44% 0.37% 84.31%$2,239,546,875 138,980HEALTHFIRST INC GRP477849 138,97486.38% 0.36% 84.66%$2,161,279,085 1,311,328CAPITAL BLUE CROSS GRP123050 642,35289.81% 0.34% 85.01%$2,150,406,294 329,722CDPHP INC GRP470851 242,97388.00% 0.34% 85.35%$2,139,971,036 478,897CARE 1ST HEALTH PLAN1514352 478,89784.36% 0.34% 85.69%$2,120,660,942 308,662INDEPENDENT HLTH ASSN GRP489453 237,21890.05% 0.34% 86.03%$2,050,884,368 1,511,871BCBS OF AZ INC5358954 774,54184.96% 0.33% 86.36%$2,022,868,911 463,403PRESBYTERIAN HLTHCARE SERV GRP48155 401,39684.17% 0.32% 86.68%$1,941,686,466 767,507BCBS OF KC GRP53756 422,18283.10% 0.31% 86.99%$1,916,965,195 273,342HEALTH PARTNERS PLANS INC9506657 273,34279.18% 0.31% 87.29%$1,837,858,188 504,849INDIANA UNIVERSITY HLTH GRP463758 501,03992.83% 0.29% 87.59%$1,799,432,151 332,560CARLE HOLDING CO GRP119259 232,16893.78% 0.29% 87.87%$1,790,523,067 636,889PROVIDENCE HLTH GRP478860 347,76293.89% 0.29% 88.16%$1,752,378,468 298,498UNIVERSITY HLTH CARE INC5262161 298,49895.25% 0.28% 88.44%$1,750,864,844 215,495MEDICAL CARD SYSTEM INC GRP130162 215,49586.12% 0.28% 88.72%$1,748,996,192 682,486BCBS OF NE GRP485863 383,72790.31% 0.28% 89.00%$1,713,751,462 546,452BCBS OF RI5347364 316,40884.94% 0.27% 89.27%$1,690,478,180 152,183UCARE GRP438065 146,95392.62% 0.27% 89.54%$1,676,828,145 50,959,562VISION SERV PLAN GRP118966 246,08079.35% 0.27% 89.81%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Market Share for Health

Grand Total Individual, Group and Other Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

$1,573,545,427 290,521BOSTON MEDICAL CENTER HLTH PLAN INC1320367 282,55689.45% 0.25% 90.06%$1,513,432,412 8,859,334DENTEGRA GRP247968 3,665,02773.43% 0.24% 90.30%$1,496,307,607 821,087BLUE CROSS OF ID GRP129069 570,69486.73% 0.24% 90.54%$1,449,506,586 303,945SENTARA HLTH MGMT GRP118370 270,99592.76% 0.23% 90.77%$1,436,054,696 10,857,960RENAISSANCE HLTH SERV CORP GRP47771 5,504,87683.04% 0.23% 91.00%$1,407,182,069 119,004AMERICAS 1ST CHOICE GRP475572 119,00471.75% 0.22% 91.22%$1,355,122,006 340,611VANGUARD HLTH VENTURES GRP121273 291,85686.14% 0.22% 91.44%$1,334,550,370 631,032MISSISSIPPI INS GRP112674 397,51287.73% 0.21% 91.65%$1,250,361,140 276,182DEAN HLTH GRP129475 175,50487.36% 0.20% 91.85%$1,215,411,533 734,570MAGELLAN HLTH INC GRP126076 523,29882.70% 0.19% 92.04%$1,179,325,537 172,630FALLON GRP474177 114,84790.09% 0.19% 92.23%$1,178,051,146 200,304SECURITY HLTH PLAN OF WI INC9688178 151,06591.37% 0.19% 92.42%$1,173,563,637 270,294UNIVERSITY HLTH CARE & GUNDERSEN LUT487079 154,28189.87% 0.19% 92.61%$1,128,492,632 358,601COMMUNITY HLTH CHOICE INC9561580 323,90190.28% 0.18% 92.78%$1,122,948,011 192,678NEIGHBORHOOD HLTH PLAN OF RI INC9540281 192,28287.17% 0.18% 92.96%$1,083,793,065 471,206NORIDIAN MUT INS CO5589182 252,26084.95% 0.17% 93.14%$1,073,251,891 310,751COMMUNITY HLTH PLAN OF WA4704983 310,75188.66% 0.17% 93.31%$1,066,972,336 430,259TEXAS CHILDRENS HLTH PLAN INC9532984 430,25989.52% 0.17% 93.48%$1,047,844,857 460,533OREGON DENTAL GRP131385 333,09094.92% 0.17% 93.64%

$996,754,155 213,460MCLAREN HLTH GRP470086 198,74788.18% 0.16% 93.80%$969,766,388 288,825SCOTT & WHITE GRP60087 193,957105.52% 0.15% 93.96%$967,519,314 350,564AVMED INC9526388 202,48488.28% 0.15% 94.11%$931,751,297 192,568BAYSTATE HLTH GRP475689 135,917345.62% 0.15% 94.26%$926,502,021 178,096NETWORK HLTH GRP267890 125,41289.39% 0.15% 94.41%$900,622,355 199,942PACIFICSOURCE HLTH PLAN GRP470491 141,63889.84% 0.14% 94.55%$870,599,849 69,095UNIVERSAL AMER FIN CORP GRP95392 69,09582.13% 0.14% 94.69%$840,566,181 24,224ELDERPLAN INC9566293 24,22483.80% 0.13% 94.83%$834,891,389 180,299SANFORD HLTH GRP124694 98,81196.40% 0.13% 94.96%$779,960,508 2,931,282MCNA GRP473095 2,931,28280.51% 0.12% 95.08%$754,363,003 146,643MEDSTAR FAMILY CHOICE1422796 146,64391.14% 0.12% 95.20%$736,582,063 0PEOPLES HLTH INC1360797 085.00% 0.12% 95.32%$726,630,794 618,855EXPRESS SCRIPTS HOLDING GRP481398 618,85584.69% 0.12% 95.44%$709,048,918 0HEALTH SUN HLTH PLANS1012299 083.75% 0.11% 95.55%

© 2017 National Association of Insurance Commissioners 295

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Market Share for Health

Grand Total Individual, Group and Other Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

$662,286,635 62,238ESSENCE HLTHCARE INC11699100 62,23872.82% 0.11% 95.65%$649,910,569 106,480COMMUNITYCARE GRP3487101 38,30686.93% 0.10% 95.76%$640,210,323 132,154HEALTH PLAN GRP1297102 112,67495.95% 0.10% 95.86%$633,673,710 204,236FIRSTCARE GRP3549103 157,30990.87% 0.10% 95.96%$628,632,788 73,747VIVA HLTH INC95322104 59,94684.74% 0.10% 96.06%$614,964,316 223,909WISCONSIN PHYSICIANS SERV INS GRP68105 163,98784.81% 0.10% 96.16%$593,902,154 154,761CATHOLIC HLTH INITIATIVES GRP4807106 141,19796.64% 0.09% 96.25%$590,857,118 0MEDISUN INC95982107 089.21% 0.09% 96.35%$589,865,638 56,422CHE TRINITY INC GRP2838108 56,42292.45% 0.09% 96.44%$582,040,215 220,178BCBS OF VT GRP4745109 124,85693.32% 0.09% 96.53%$547,787,500 243,828FAMILY HLTH NETWORK GRP4843110 243,82891.38% 0.09% 96.62%$522,508,757 197,988PARKLAND COMM HLTH PLAN INC95414111 387.27% 0.08% 96.71%$522,234,353 68,179HEALTH FIRST GRP4740112 56,37081.43% 0.08% 96.79%$519,399,018 243,812ROCKY MOUNTAIN HLTH GRP1184113 227,35285.70% 0.08% 96.87%$516,106,072 165,156DRISCOLL CHILDRENS HLTH PLAN95809114 165,15688.05% 0.08% 96.95%$513,320,122 101,647AULTMAN HLTH FOUNDATION GRP4805115 86,10683.90% 0.08% 97.04%$476,078,077 98,518BCBS OF WY53767116 63,00892.23% 0.08% 97.11%$475,775,246 2,885,822DELTA DENTAL OF WA47341117 40,21283.46% 0.08% 97.19%$461,521,238 385,706ENVISION INS CO12747118 385,70696.25% 0.07% 97.26%$444,588,306 59,717SUMMA HLTH GRP3259119 45,45085.49% 0.07% 97.33%$427,869,516 104,308MULBERRY HLTH GRP4818120 72,749120.77% 0.07% 97.40%$420,229,687 87,253TOTAL HLTH GRP1238121 74,60983.19% 0.07% 97.47%$412,819,462 141,818COMMUNITY FIRST GRP2738122 137,97588.50% 0.07% 97.53%$382,653,075 67,539MAINE COMM HLTH OPTIONS15077123 44,800104.27% 0.06% 97.59%$371,975,443 49,716VANTAGE HLTH GRP4783124 35,57385.28% 0.06% 97.65%$366,041,359 111,929NORTH SHORE LIJ HLTH CARE GRP4793125 68,202120.56% 0.06% 97.71%

$627,382,799,266 315,858,288GRAND TOTAL 168,372,40085.97% 100.00%

© 2017 National Association of Insurance Commissioners 296

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Market Share for Property/Casualty

Grand Total Individual, Group and Other Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

$971,918,669 1,113,498STATE FARM GRP1761 936,61993.40% 16.64% 16.64%$803,687,128 70,728AMERICAN INTL GRP122 24,71360.03% 13.76% 30.40%$610,575,416 23,258,014CHUBB LTD GRP6263 263,20049.76% 10.45% 40.86%$486,487,475 128,513FEDERATED MUT GRP74 74,39488.59% 8.33% 49.19%$485,989,376 375,073CNA INS GRP2185 374,993270.33% 8.32% 57.51%$298,381,331 7,882,250ZURICH INS GRP2126 6,597,96457.90% 5.11% 62.62%$267,718,043 7,895,700FAIRFAX FIN GRP1587 52,17067.24% 4.58% 67.20%$203,457,951 1,961,276BCS INS GRP238 1,571,98068.02% 3.48% 70.68%$163,653,492 2,751,247TOKIO MARINE HOLDINGS INC GRP30989 2,887699.69% 2.80% 73.49%$151,007,675 2,975,940MUNICH RE GRP36110 76,93798.35% 2.59% 76.07%$138,167,448 249,598CHINA MINSHENG GRP486311 174,10869.90% 2.37% 78.44%$116,302,485 0WHITE MOUNTAINS GRP112912 038.67% 1.99% 80.43%$116,283,817 445,211HIGHMARK GRP81213 222,65960.46% 1.99% 82.42%

$93,963,876 242,250BERKSHIRE HATHAWAY GRP3114 129,45771.23% 1.61% 84.03%$73,033,814 47,973,900AMEX ASSUR CO2792815 31,986,17811.18% 1.25% 85.28%$71,410,096 692,555HOUSTON INTL INS GRP438116 20680.68% 1.22% 86.50%$70,748,774 61SWISS RE GRP18117 6197.12% 1.21% 87.71%$69,824,105 715,987ARCH INS GRP127918 511,40568.68% 1.20% 88.91%$59,284,726 3,850,082AXIS CAPITAL GRP341619 11,99141.63% 1.02% 89.92%$59,271,797 3,799,629AMTRUST NGH GRP253820 65,33393.26% 1.01% 90.94%$50,349,633 37,301AMERICAN FINANCIAL GRP8421 1,43315.28% 0.86% 91.80%$45,801,036 48,597IRONSHORE GRP450922 17268.36% 0.78% 92.58%$45,493,655 12,442CHEROKEE INS CO1064223 13693.05% 0.78% 93.36%$35,465,601 928,247XL AMER GRP128524 905,29467.45% 0.61% 93.97%$32,866,868 11,694AMERICAN FAMILY INS GRP47325 11,47486.70% 0.56% 94.53%$30,848,696 45,841GENEVE HOLDINGS INC GRP45026 42,78958.49% 0.53% 95.06%$29,895,933 15,480ISLAND HOME INS CO3165827 1,32569.53% 0.51% 95.57%$28,416,991 171,952UPMC HLTH SYSTEM GRP132428 171,95279.07% 0.49% 96.06%$27,274,330 18,940,772PARTNERRE GRP348329 24376.79% 0.47% 96.53%$22,829,581 47,312BENCHMARK INS CO4139430 063.89% 0.39% 96.92%$21,910,522 2,508,342MARKEL CORP GRP78531 17,90017.08% 0.38% 97.29%$19,800,312 282,435METROPOLITAN GRP24132 108,62935.59% 0.34% 97.63%$18,928,852 19,407BEAZLEY INS CO INC3754033 9,98938.99% 0.32% 97.96%

© 2017 National Association of Insurance Commissioners 297

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Market Share for Property/Casualty

Grand Total Individual, Group and Other Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

$18,780,120 1,271,568STARR GRP467034 2,53729.60% 0.32% 98.28%$15,505,802 755,875ALLIANZ INS GRP76135 467,15043.88% 0.27% 98.54%$14,460,807 0BALDWIN & LYONS GRP86736 052.62% 0.25% 98.79%$14,230,611 321,609ASSURANT INC GRP1937 321,60911.60% 0.24% 99.03%$11,965,560 119,223SENTRY INS GRP16938 119,223152.09% 0.20% 99.24%$11,155,572 664,015AEGIS GRP31339 4,25437.97% 0.19% 99.43%

$6,201,561 58,414NATIONWIDE CORP GRP14040 56,83855.08% 0.11% 99.54%$5,492,670 16,846HALLMARK FIN SERV GRP347841 47026.12% 0.09% 99.63%$5,014,951 552,184LIBERTY MUT GRP11142 49486.92% 0.09% 99.72%$3,484,559 0TENNESSEE FARMERS GRP69443 1,528,36812.34% 0.06% 99.78%$2,445,866 2,354CENTENNIAL CAS CO3456844 2,3540.00% 0.04% 99.82%$1,401,132 17,456LEON HIX GRP474845 13,5621.10% 0.02% 99.84%$1,349,572 10,451TIPTREE FIN GRP471846 10,45046.09% 0.02% 99.86%$1,159,681 0UNDERWRITERS AT LLOYDS3272747 0(1,128.26)% 0.02% 99.88%$1,015,824 19,850ASSURANCEAMERICA INS CO1155848 19,8500.39% 0.02% 100.00%

$756,310 876,785TEXAS FARM BUREAU MUT GRP80949 461,86346.58% 0.01% 100.00%$588,389 0OREGON DENTAL GRP131350 0114.49% 0.01% 100.00%$513,731 1,183RETAILERS INS CO1247151 20975.27% 0.01% 100.00%$456,714 13,776AEGON US HOLDING GRP46852 13,5820.77% 0.01% 100.00%$452,243 28,543ZALE CORP GRP66953 28,5432.51% 0.01% 100.00%$395,974 145SOBC HOLDING LTD GRP488354 97273.28% 0.01% 100.00%$392,264 0TRAVELERS GRP354855 0(644.31)% 0.01% 100.00%$374,926 53,456ALLEGHANY GRP50156 34732.17% 0.01% 100.00%$339,397 324NATIONAL INS CO OF WI INS3015557 324(780.49)% 0.01% 100.00%$310,785 903WARRIOR INVICTUS HOLDING CO GRP472758 7400.61% 0.01% 100.00%$276,732 1,014FARMERS INS GRP6959 8165.72% 0.00% 100.00%$184,150 1,723KERNAN GRP338460 6107.34% 0.00% 100.00%$152,320 2,000CENTURY CAS CO1091761 10.00% 0.00% 100.00%$129,626 0MAPFRE INS GRP41162 0129.48% 0.00% 100.00%

$99,407 1,733FORTRESS GRP471663 1,048(346.05)% 0.00% 100.00%$62,160 0OLD REPUBLIC GRP15064 0(2,237.69)% 0.00% 100.00%$54,439 0UNDERWRITERS AT LLOYD'S LONDON1564265 00.00% 0.00% 100.00%$43,124 0OKLAHOMA FARM BUREAU GRP22066 168.18% 0.00% 100.00%

© 2017 National Association of Insurance Commissioners 298

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Market Share for Property/Casualty

Grand Total Individual, Group and Other Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

$32,083 68SELECTIVE INS GRP24267 68163.03% 0.00% 100.00%$29,210 234VIRGINIA FARM BUREAU GRP20368 234(5.89)% 0.00% 100.00%$17,433 0INSUREMAX INS CO1092269 00.00% 0.00% 100.00%$14,573 18DAILY UNDERWRITERS OF AMER3548370 1837.74% 0.00% 100.00%$12,215 12FRANKENMUTH GRP130971 12525.74% 0.00% 100.00%$11,780 0GREAT PLAINS CAS INC1298272 1100.00% 0.00% 100.00%

$9,163 70ACCESS INS CO1171173 700.00% 0.00% 100.00%$6,076 2THE HANOVER INS GRP8874 234.56% 0.00% 100.00%$5,286 19HORACE MANN GRP30075 14121.43% 0.00% 100.00%$4,642 0STATE AUTO MUT GRP17576 0313.87% 0.00% 100.00%$3,451 15OHIO MUT GRP96377 15(64.33)% 0.00% 100.00%$2,478 651CLOISTER MUT & WINDSOR MOUNT JOY GR477478 651(40.36)% 0.00% 100.00%

$669 0LOCKHART CO GRP470679 00.00% 0.00% 100.00%$597 1MOTORISTS MUT GRP29180 1(288.44)% 0.00% 100.00%$400 0AMALGAMATED CAS INS CO1329381 40.00% 0.00% 100.00%$271 3ARROWPOINT CAPITAL GRP55382 22,281.18% 0.00% 100.00%$108 5MERCHANTS MUT GRP22683 50.00% 0.00% 100.00%

$83 0AMERIPRISE FIN GRP484 00.00% 0.00% 100.00%

$5,840,445,810 134,246,880GRAND TOTAL 47,403,696103.73% 100.00%

© 2017 National Association of Insurance Commissioners 299

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2016

Market Share for Fraternal

Grand Total Individual, Group and Other Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code Share %as of Dec 31 as of Dec 31Covered Lives

Number of CumulativeMarket

Rank Group/Company Name

$317,948,076 232,312THRIVENT FINANCIAL FOR LUTHERANS GRP29381 215,879212.79% 52.09% 52.09%$65,642,794 51,230KNIGHTS OF COLUMBUS580332 51,182115.80% 10.75% 62.84%$57,400,699 42,926ORDER OF UNITED COMMERCIAL TRAVELERS563833 40,86164.94% 9.40% 72.25%$44,336,669 15,080ASSURED LIFE ASSN564994 15,08073.43% 7.26% 79.51%$43,886,867 21,447EVERENCE GRP46165 16,84070.92% 7.19% 86.70%$28,080,685 7,274ROYAL NEIGHBORS OF AMER576576 7,27467.94% 4.60% 91.30%$20,465,770 101,698POLICE & FIREMENS INS ASSN580097 101,69849.69% 3.35% 94.65%$10,500,498 37,521WOODMEN WORLD LIFE INS SOC573208 35,311196.80% 1.72% 96.37%

$5,450,607 15,230GCU566939 15,23091.06% 0.89% 97.27%$3,934,086 14,749INDEPENDENT ORDER OF FORESTERS US BR5806810 14,74949.62% 0.64% 97.91%$3,760,153 38,269UNITED TRANSPORTATION UNION INS ASSN5641311 29,11535.66% 0.62% 98.53%$2,550,722 2,068WESTERN CATHOLIC UNION5771112 2,06877.80% 0.42% 98.95%$1,676,456 7,312UNITED STATES LETTER CARRIERS MUT BE5645613 5,73331.17% 0.27% 99.22%$1,186,134 8,101CATHOLIC ORDER OF FORESTERS5748714 8,101713.17% 0.19% 99.42%

$876,875 919LOYAL CHRISTIAN BENEFIT ASSN5675815 91969.26% 0.14% 99.56%$853,637 7,003KSKJ LIFE AMER SLOVENIAN CATHOLIC UN5622716 7,00386.58% 0.14% 99.70%$472,946 132SPJST5743617 13274.57% 0.08% 99.78%$363,971 0EMPLOYES MUT BENEFIT ASSN5604918 89059.57% 0.06% 99.84%$354,402 22,400TRAVELERS PROTECTIVE ASSN OF AMER5600619 22,40062.62% 0.06% 99.89%$169,646 0POLISH FALCONS OF AMER5682020 065.10% 0.03% 100.00%$160,312 419NATIONAL MUT BENEFIT5607321 419(70.46)% 0.03% 100.00%

$91,029 342MODERN WOODMEN OF AMER5754122 342259.30% 0.01% 100.00%$87,450 449CATHOLIC FINANCIAL LIFE5603023 44939.44% 0.01% 100.00%$37,651 3,196CROATIAN FRATERNAL UNION OF AMER5663424 3,93034.23% 0.01% 100.00%$27,614 140SONS OF NORWAY5714225 124148.15% 0.00% 100.00%$24,542 4,291SLOVENE NATL BENEFIT SOCIETY5767326 4,2913.39% 0.00% 100.00%$22,939 9CSA FRATERNAL LIFE5613827 936.03% 0.00% 100.00%$17,748 2,157GLEANER LIFE INS SOCIETY5615428 2,15785.13% 0.00% 100.00%

$8,113 0UKRAINIAN NATL ASSN INC5721529 00.00% 0.00% 100.00%$46 1CATHOLIC HOLY FAMILY SOCIETY5777030 1(1,028.26)% 0.00% 100.00%

$610,389,137 636,675GRAND TOTAL 602,187151.57% 100.00%

© 2017 National Association of Insurance Commissioners 300

Accident and Health Policy Experience Report Technical Notes

© 2017 National Association of Insurance Commissioners 301

Page Intentionally Left Blank

© 2017 National Association of Insurance Commissioners 302

2016 Accident and Health Policy Experience Report

Technical Notes

In prior years, there were data anomalies within the Individual Business section of the Accident and Health Policy Experience Exhibit regarding the Number of Policies or Certificates to the Number of Covered Lives. Starting with 2010 data, a reasonability validation was added into the software data checks of NAIC company filings, with a ratio of one individual policy or certificate per 10 covered lives, as this ratio should not be exceeded in individual business. These should reduce the number of errors.

A similar anomaly within the Accident and Health Policy Experience Exhibit affected the Premiums Earned column in regard to either the Number of Policies or Certificates, or the Number of Covered Lives. Essentially, some companies reported having no premium earned, but reported having policies/certificates and/or covered lives; or they reported no covered lives and/or no policies/certificates, but reported having premium earned. A validation was added in 2010 to the software for this anomaly. While it is possible for a company to have premium with no lives/policies if they are in run-off, including a validation should help to reduce filing errors.

While these validations should help to reduce anomalies, errors may still occur.

Aggregated Annual Statement Data All lines on all pages are aggregated data.

Currently, the Accident and Health Policy Experience Exhibit is not available by state.

Individual Business All data are aggregated from the Individual Business section of the Accident and Health Policy Experience Exhibit.

Group Business All data are aggregated from the Group Business section of the Accident and Health Policy Experience Exhibit.

Other Business All data are aggregated from the Other Business section of the Accident and Health Policy Experience Exhibit.

Grand Total (Individual, Group, and Other) Business All data are aggregated.

Note: On the Aggregated Market Share, the Grand Total reflects the difference of the Grand Total of the Accident and Health Policy Experience Exhibit (Line D.2) minus the Total Non-U.S. Policy Forms (Line D.1).

Market Share Companies reporting negative premiums are included in the calculation of total premium. Due to the addition of negative premiums to the total premium, the cumulative market share is capped at 100%.

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Accident and Health Policy Experience Report for 2016

Group Index

1 Group Name:Group Code: AETNA GRP11102 HEALTHASSURANCE PA INC Health11183 AETNA DENTAL INC NJ CORP Health12193 AETNA BETTER HLTH OF MI INC Health12321 AMERICAN CONTINENTAL INS CO Life12509 MHNET LIFE & HLTH INS CO Health13174 AETNA BETTER HLTH INC Health13735 AETNA BETTER HLTH INC Health14043 AETNA BETTER HLTH INC Health14229 AETNA BETTER HLTH INC Health15097 INNOVATION HLTH INS CO Health15098 INNOVATION HLTH PLAN INC Health15611 AETNA BETTER HLTH INC Health15616 AETNA BETTER HLTH INC Health15761 AETNA BETTER HLTH OF KY INS CO Health15827 AETNA HLTH ASSUR PA INC Health60054 AETNA LIFE INS CO Life68500 CONTINENTAL LIFE INS CO BRENTWOOD Life72052 AETNA HLTH INS CO Health74160 COVENTRY HLTH CARE OF IL INC Health78700 AETNA HLTH & LIFE INS CO Life81973 COVENTRY HLTH & LIFE INS CO Health84450 AETNA HLTH INS CO OF NY Health90328 FIRST HLTH LIFE & HLTH INS CO Life95040 AETNA BETTER HLTH OF TX INC Health95088 AETNA HLTH INC FL CORP Health95094 AETNA HLTH INC GA CORP Health95109 AETNA HLTH INC PA CORP Health95114 COVENTRY HLTH CARE OF FL INC Health95173 AETNA HEALTH INC LA Health95234 AETNA HLTH INC NY CORP Health95241 AETNA HLTH OF IA INC Health95266 COVENTRY HLTH PLAN OF FL INC Health95287 AETNA HLTH INC NJ CORP Health95318 AETNA BETTER HLTH OF MO LLC Health95407 ALTIUS HLTH PLANS INC Health95408 COVENTRY HLTH CARE OF W VA INC Health95489 COVENTRY HLTH CARE OF KS INC Health95490 AETNA HLTH INC TX CORP Health95517 AETNA HLTH INC ME CORP Health95846 GROUP DENTAL SERV OF MD INC Health95910 AETNA DENTAL INC Health95925 COVENTRY HLTH CARE OF NE INC Health95935 AETNA HLTH INC CT CORP Health96377 COVENTRY HLTH CARE OF MO INC Health96555 COVENTRY HLTH CARE OF VA INC Health

4 Group Name:Group Code: AMERIPRISE FIN GRP29068 IDS PROP CAS INS CO Property65005 RIVERSOURCE LIFE INS CO Life80594 RIVERSOURCE LIFE INS CO OF NY Life

5 Group Name:Group Code: ALFA INS GRP19135 ALFA MUT INS CO Property79049 ALFA LIFE INS CORP Life

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Accident and Health Policy Experience Exhibit Group Index

7 Group Name:Group Code: FEDERATED MUT GRP13935 FEDERATED MUT INS CO Property63258 FEDERATED LIFE INS CO Life

8 Group Name:Group Code: ALLSTATE INS GRP60186 ALLSTATE LIFE INS CO Life60534 AMERICAN HERITAGE LIFE INS CO Life64831 INTRAMERICA LIFE INS CO Life70874 ALLSTATE LIFE INS CO OF NY Life

12 Group Name:Group Code: AMERICAN INTL GRP19380 AMERICAN HOME ASSUR CO Property19410 COMMERCE & INDUSTRY INS CO Property19429 INSURANCE CO OF THE STATE OF PA Property19437 LEXINGTON INS CO Property19445 NATIONAL UNION FIRE INS CO OF PITTS Property23841 NEW HAMPSHIRE INS CO Property60488 AMERICAN GEN LIFE INS CO Life70106 UNITED STATES LIFE INS CO IN THE CIT Life

19 Group Name:Group Code: ASSURANT INC GRP10111 AMERICAN BANKERS INS CO OF FL Property42978 AMERICAN SECURITY INS CO Property42986 STANDARD GUAR INS CO Property60275 AMERICAN BANKERS LIFE ASSUR CO OF FL Life65080 JOHN ALDEN LIFE INS CO Life67989 AMERICAN MEMORIAL LIFE INS CO Life69477 TIME INS CO Life70408 UNION SECURITY INS CO Life81477 UNION SECURITY LIFE INS CO OF NY Life

20 Group Name:Group Code: LINCOLN NATL GRP62057 LINCOLN LIFE & ANN CO OF NY Life65676 LINCOLN NATL LIFE INS CO Life67652 FIRST PENN PACIFIC LIFE INS CO Life

23 Group Name:Group Code: BCS INS GRP38245 BCS INS CO Property80985 4 EVER LIFE INS CO Life

31 Group Name:Group Code: BERKSHIRE HATHAWAY GRP20052 NATIONAL LIAB & FIRE INS CO Property22063 GOVERNMENT EMPLOYEES INS CO Property22276 BERKSHIRE HATHAWAY SPECIALTY INS CO Property34274 CENTRAL STATES IND CO OF OMAHA Property38962 GENESIS INS CO Property42390 AMGUARD INS CO Property82880 CSI LIFE INS CO Life97764 IDEALIFE INS CO Life

50 Group Name:Group Code: COUNTRY INS & FIN SERV GRP62553 COUNTRY LIFE INS CO Life

55 Group Name:Group Code: AUTOMOBILE CLUB MI GRP11983 AUTO CLUB PROP CAS INS CO Property84522 AUTO CLUB LIFE INS CO Life

68 Group Name:Group Code: WISCONSIN PHYSICIANS SERV INS GRP10159 WPS HLTH PLAN INC Health53139 WISCONSIN PHYSICIANS SERV INS CORP Health64149 EPIC LIFE INS CO Life

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69 Group Name:Group Code: FARMERS INS GRP10805 AMERICAN PACIFIC INS CO INC Property20796 21ST CENTURY PREMIER INS CO Property34789 21ST CENTURY CENTENNIAL INS CO Property

71 Group Name:Group Code: UNIVERSAL INS CO GRP60041 UNIVERSAL LIFE INS CO Life

84 Group Name:Group Code: AMERICAN FINANCIAL GRP16691 GREAT AMER INS CO Property32620 NATIONAL INTERSTATE INS CO Property63312 GREAT AMER LIFE INS CO Life67083 MANHATTAN NATL LIFE INS CO Life

85 Group Name:Group Code: HEALTHPLEX GRP11172 HEALTHPLEX INS CO Health11173 INTERNATIONAL HLTHCARE SERV INC Health12830 HEALTHPLEX OF NJ INC Health

88 Group Name:Group Code: THE HANOVER INS GRP42552 NOVA CAS CO Property

91 Group Name:Group Code: HARTFORD FIRE & CAS GRP19682 HARTFORD FIRE IN CO Property70815 HARTFORD LIFE & ACCIDENT INS CO Life71153 HARTFORD LIFE & ANN INS CO Life88072 HARTFORD LIFE INS CO Life

98 Group Name:Group Code: WR BERKLEY CORP GRP32603 BERKLEY INS CO Property64890 BERKLEY LIFE & HLTH INS CO Life

111 Group Name:Group Code: LIBERTY MUT GRP19704 AMERICAN STATES INS CO Property19917 LIBERTY INS UNDERWRITERS INC Property21458 EMPLOYERS INS OF WAUSAU Property23035 LIBERTY MUT FIRE INS CO Property23043 LIBERTY MUT INS CO Property24074 OHIO CAS INS CO Property65315 LIBERTY LIFE ASSUR CO OF BOSTON Life

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119 Group Name:Group Code: HUMANA GRP11228 COMPBENEFITS DENTAL INC Health11695 INDEPENDENT CARE HLTH PLAN Health12151 ARCADIAN HLTH PLAN INC Health12282 HUMANA REGIONAL HLTH PLAN INC Health12634 HUMANA INS CO OF NY Health12908 HUMANA MEDICAL PLAN OF UT INC Health13558 HUMANA HLTH CO OF NY INC Health14224 HUMANA MEDICAL PLAN OF MI INC Health14462 HUMANA MEDICAL PLAN OF PA INC Health52015 COMPBENEFITS CO Health52028 HUMANA DENTAL CONCERN LTD Health54739 THE DENTAL CONCERN INC Health60052 HUMANA BENEFIT PLAN OF IL INC Health60219 HUMANA INS CO OF KY Life60984 COMPBENEFITS INS CO Health65110 KANAWHA INS CO Life69671 HUMANA HLTH INS CO OF FL INC Health70580 HUMANADENTAL INS CO Health73288 HUMANA INS CO Health84603 HUMANA INS CO OF PR INC Life88595 EMPHESYS INS CO Health95024 HUMANA HLTH PLAN OF TX INC Health95092 CAREPLUS HLTH PLANS INC Health95158 CHA HMO INC Health95161 DENTICARE INC Health95270 HUMANA MEDICAL PLAN INC Health95342 HUMANA WI HLTH ORG INS CORP Health95348 HUMANA HLTH PLAN OF OH INC Health95519 HUMANA EMPLOYERS HLTH PLAN GA INC Health95642 HUMANA HLTH BENEFIT PLAN OF LA INC Health95721 HUMANA HLTH PLANS OF PR Health95754 CARITEN HLTH PLAN INC Health95885 HUMANA HLTH PLAN INC Health

123 Group Name:Group Code: SHELTER INS GRP65757 SHELTER LIFE INS CO Life

126 Group Name:Group Code: EDUCATORS MUT GRP12515 EDUCATORS HLTH PLANS LIFE ACCIDENT & Health81701 EDUCATORS MUT INS ASSOC Health

132 Group Name:Group Code: WICHITA NATL LIFE GRP70548 WICHITA NATL LIFE INS CO Life98868 SHERIDAN LIFE INS CO Life

140 Group Name:Group Code: NATIONWIDE CORP GRP11991 NATIONAL CAS CO Property13838 FARMLAND MUT INS CO Property23787 NATIONWIDE MUT INS CO Property64327 HARLEYSVILLE LIFE INS CO Life66869 NATIONWIDE LIFE INS CO Life92657 NATIONWIDE LIFE & ANN INS CO Life

150 Group Name:Group Code: OLD REPUBLIC GRP12262 PENNSYLVANIA MANUFACTURERS ASSOC INS Property24147 OLD REPUBLIC INS CO Property67261 OLD REPUBLIC LIFE INS CO Life

153 Group Name:Group Code: PEKIN INS GRP67628 PEKIN LIFE INS CO Life

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158 Group Name:Group Code: FAIRFAX FIN GRP21105 NORTH RIVER INS CO Property21113 UNITED STATES FIRE INS CO Property

169 Group Name:Group Code: SENTRY INS GRP21180 SENTRY SELECT INS CO Property24988 SENTRY INS A MUT CO Property68810 SENTRY LIFE INS CO Life68829 SENTRY LIFE INS CO OF NY Life

171 Group Name:Group Code: GERMANIA INS GRP67920 GERMANIA LIFE INS CO Life

175 Group Name:Group Code: STATE AUTO MUT GRP25135 STATE AUTOMOBILE MUT INS CO Property

176 Group Name:Group Code: STATE FARM GRP25143 STATE FARM FIRE & CAS CO Property25178 STATE FARM MUT AUTO INS CO Property

181 Group Name:Group Code: SWISS RE GRP25038 NORTH AMER CAPACITY INS CO Property29874 NORTH AMER SPECIALTY INS CO Property39845 WESTPORT INS CORP Property82627 SWISS RE LIFE & HLTH AMER INC Life

200 Group Name:Group Code: UNITED SERV AUTOMOBILE ASSN GRP69663 USAA LIFE INS CO Life

203 Group Name:Group Code: VIRGINIA FARM BUREAU GRP10022 COUNTRYWAY INS CO Property26034 VIRGINIA FARM BUREAU MUT INS CO Property

212 Group Name:Group Code: ZURICH INS GRP14178 ZURICH AMER LIFE INS CO OF NY Life16535 ZURICH AMER INS CO Property21326 EMPIRE FIRE & MARINE INS CO Property26247 AMERICAN GUAR & LIAB INS Property26387 STEADFAST INS CO Property27855 ZURICH AMER INS CO OF IL Property40142 AMERICAN ZURICH INS CO Property63177 FARMERS NEW WORLD LIFE INS CO Life80896 CENTRE LIFE INS CO Life90557 ZURICH AMER LIFE INS CO Life

213 Group Name:Group Code: ERIE INS GRP70769 ERIE FAMILY LIFE INS CO Life

215 Group Name:Group Code: KEMPER CORP GRP66397 MUTUAL SAVINGS LIFE INS CO Life68357 RELIABLE LIFE INS CO Life68462 RESERVE NATL INS CO Life69779 UNION NATL LIFE INS CO Life69930 UNITED INS CO OF AMER Life

218 Group Name:Group Code: CNA INS GRP20427 AMERICAN CAS CO OF READING PA Property20443 CONTINENTAL CAS CO Property

220 Group Name:Group Code: OKLAHOMA FARM BUREAU GRP21563 OKLAHOMA FARM BUREAU MUT INS CO Property

226 Group Name:Group Code: MERCHANTS MUT GRP23329 MERCHANTS MUT INS CO Property

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233 Group Name:Group Code: CNO FINANCIAL GRP61263 BANKERS LIFE & CAS CO Life62065 COLONIAL PENN LIFE INS CO Life68560 BANKERS CONSECO LIFE INS CO Life70319 WASHINGTON NATL INS CO Life

241 Group Name:Group Code: METROPOLITAN GRP14170 METLIFE HLTH PLANS INC Health26298 METROPOLITAN PROP & CAS INS CO Property52009 SAFEGUARD HLTH PLANS INC Health60690 AMERICAN LIFE INS CO Life62634 DELAWARE AMER LIFE INS CO Life63665 GENERAL AMER LIFE INS CO Life65978 METROPOLITAN LIFE INS CO Life79014 SAFEHEALTH LIFE INS CO Health87726 METLIFE INS CO USA Life91626 NEW ENGLAND LIFE INS CO Life95051 SAFEGUARD HLTH PLANS INC Health

242 Group Name:Group Code: SELECTIVE INS GRP12572 SELECTIVE INS CO OF AMER Property

244 Group Name:Group Code: CINCINNATI FIN GRP76236 CINCINNATI LIFE INS CO Life

261 Group Name:Group Code: MUTUAL OF OMAHA GRP13100 OMAHA INS CO Life62243 COMPANION LIFE INS CO Life69868 UNITED OF OMAHA LIFE INS CO Life71412 MUTUAL OF OMAHA INS CO Life72850 UNITED WORLD LIFE INS CO Life88080 OMAHA HLTH INS CO Life

264 Group Name:Group Code: HEALTHMARKETS GRP61832 CHESAPEAKE LIFE INS CO Life66087 MID WEST NATL LIFE INS CO OF TN Life92908 HEALTHMARKETS INS CO Life

267 Group Name:Group Code: GRANGE MUT CAS GRP14060 GRANGE MUT CAS CO Property71218 GRANGE LIFE INS CO Life

276 Group Name:Group Code: TRUSTMARK MUT HOLDING CO GRP61425 TRUSTMARK INS CO Life62863 TRUSTMARK LIFE INS CO Life

280 Group Name:Group Code: AUTO OWNERS GRP61190 AUTO OWNERS LIFE INS CO Life

290 Group Name:Group Code: TORCHMARK CORP GRP10093 NATIONAL INCOME LIFE INS CO Life60577 AMERICAN INCOME LIFE INS CO Life65331 LIBERTY NATL LIFE INS CO Life74101 FIRST UNITED AMER LIFE INS CO Life77968 FAMILY HERITAGE LIFE INS CO OF AMER Life91472 GLOBE LIFE & ACCIDENT INS CO Life92916 UNITED AMER INS CO Life

291 Group Name:Group Code: MOTORISTS MUT GRP13331 MOTORISTS COMMERCIAL MUT INS CO Property

300 Group Name:Group Code: HORACE MANN GRP22578 HORACE MANN INS CO Property64513 HORACE MANN LIFE INS CO Life

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304 Group Name:Group Code: PRUDENTIAL OF AMER GRP68241 PRUDENTIAL INS CO OF AMER Life

306 Group Name:Group Code: CUNA MUT GRP62626 CMFG LIFE INS CO Life86126 MEMBERS LIFE INS CO Life

313 Group Name:Group Code: AEGIS GRP17965 AMERICAN SENTINEL INS CO Property33898 AEGIS SECURITY INS CO Property

315 Group Name:Group Code: INDUSTRIAL ALLIANCE GRP67148 OCCIDENTAL LIFE INS CO OF NC Life91693 IA AMER LIFE INS CO Life

316 Group Name:Group Code: NATIONAL SECURITY GRP66788 NATIONAL SECURITY INS CO Life

330 Group Name:Group Code: AMERICAN FIDELITY CORP GRP60410 AMERICAN FIDELITY ASSUR CO Life60801 AMERICAN PUBLIC LIFE INS CO Life

332 Group Name:Group Code: PRINCIPAL FIN GRP61271 PRINCIPAL LIFE INS CO Life

350 Group Name:Group Code: GENERAL ELECTRIC GRP62596 UNION FIDELITY LIFE INS CO Life

361 Group Name:Group Code: MUNICH RE GRP19720 AMERICAN ALT INS CORP Property23469 AMERICAN MODERN HOME INS CO Property

367 Group Name:Group Code: PHYSICIANS MUT GRP80578 PHYSICIANS MUT INS CO Life

370 Group Name:Group Code: AFLAC GRP60380 AMERICAN FAMILY LIFE ASSUR CO OF COL Life60526 AMERICAN FAMILY LIFE ASSUR CO OF NY Life71730 CONTINENTAL AMER INS CO Life

380 Group Name:Group Code: CAREFIRST INC GRP13130 THE DENTAL NETWORK INC Health47058 CAREFIRST OF MD INC Health53007 GROUP HOSPITALIZATION & MED SRVCS Health60113 FIRST CARE INC Health96202 CAREFIRST BLUECHOICE INC Health

408 Group Name:Group Code: AMERICAN NATL FIN GRP13762 AMERICAN NATL LIF INS CO OF NY Life60739 AMERICAN NATL INS CO Life63126 FARM FAMILY LIFE INS CO Life63657 GARDEN STATE LIFE INS CO Life71773 AMERICAN NATL LIFE INS CO OF TX Life86355 STANDARD LIFE & ACCIDENT INS CO Life

411 Group Name:Group Code: MAPFRE INS GRP19941 AMERICAN COMMERCE INS CO Property77054 MAPFRE LIFE INS CO OF PR Life85561 MAPFRE LIFE INS CO Life

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429 Group Name:Group Code: GUARDIAN LIFE GRP11163 AVESIS INS INC Health11199 MANAGED DENTAL GUARD INC Health11221 FIRST COMMONWEALTH LTD HLTH SERV COR Health12146 FIRST COMMONWEALTH LTD HLTH SERV COR Health14142 MANAGED DENTALGUARD INC Health15307 ACCESS DENTAL PLAN OF NV INC Health47716 FIRST COMMONWEALTH OF MO INC Health52556 MANAGED DENTALGUARD INC Health60237 PREMIER ACCESS INS CO Health60239 FIRST COMMONWEALTH INS CO Health64246 GUARDIAN LIFE INS CO OF AMER Life71714 BERKSHIRE LIFE INS CO OF AMER Life

430 Group Name:Group Code: BCBS OF KS GRP12143 ADVANCE INS CO OF KS Life15481 BC BS KS SOLUTIONS INC Health70729 BCBS OF KS INC Life

431 Group Name:Group Code: SAMMONS ENTERPRISES GRP66044 MIDLAND NATL LIFE INS CO Life66974 NORTH AMER CO LIFE & HLTH INS Life68675 SECURITY BENEFIT LIFE INS CO Life83607 GUGGENHEIM LIFE & ANN CO Life

435 Group Name:Group Code: MASS MUT LIFE INS GRP65935 MASSACHUSETTS MUT LIFE INS CO Life

438 Group Name:Group Code: LOUISIANA HLTH SERV GRP60009 SOUTHERN NATL LIFE INS CO INC Life81200 LOUISIANA HLTH SERV & IND CO Health95643 HMO LA INC Health

440 Group Name:Group Code: REGAL REINS GRP66265 MONARCH LIFE INS CO Life

449 Group Name:Group Code: FINANCIAL HOLDINGS GRP61999 AMERICO FIN LIFE & ANN INS CO Life63487 INVESTORS LIFE INS CO N AMER Life66540 NATIONAL FARMERS UNION LIFE INS CO Life67180 OHIO STATE LIFE INS CO Life87645 UNITED FIDELITY LIFE INS CO Life90212 GREAT SOUTHERN LIFE INS CO Life

450 Group Name:Group Code: GENEVE HOLDINGS INC GRP26581 INDEPENDENCE AMER INS CO Property65781 MADISON NATL LIFE INS CO INC Life69078 STANDARD SECURITY LIFE INS CO OF NY Life

451 Group Name:Group Code: FIDELITY SECURITY GRP67288 FIDELITY SECURITY LIFE INS CO OF NY Life71870 FIDELITY SECURITY LIFE INS CO Life

454 Group Name:Group Code: SECURITY NATL GRP69485 SECURITY NATL LIFE INS CO Life

457 Group Name:Group Code: ARGONAUT GRP19801 ARGONAUT INS CO Property

458 Group Name:Group Code: PROTECTIVE LIFE INS GRP66370 MONY LIFE INS CO Life68136 PROTECTIVE LIFE INS CO Life70335 WEST COAST LIFE INS CO Life88536 PROTECTIVE LIFE & ANNUITY INS CO Life

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Accident and Health Policy Experience Exhibit Group Index

461 Group Name:Group Code: BCBS OF MN GRP55026 BCBSM INC Health61522 MII LIFE INC Health95649 HMO DBA BLUE PLUS Health

468 Group Name:Group Code: AEGON US HOLDING GRP10952 TRANSAMERICA CAS INS CO Property66281 TRANSAMERICA PREMIER LIFE INS CO Life70688 TRANSAMERICA FINANCIAL LIFE INS CO Life86231 TRANSAMERICA LIFE INS CO Life

473 Group Name:Group Code: AMERICAN FAMILY INS GRP10386 AMERICAN FAMILY INS CO Property19275 AMERICAN FAMILY MUT INS CO Property

477 Group Name:Group Code: RENAISSANCE HLTH SERV CORP GRP15638 RENAISSANCE HLTH INS CO OF NY Health47287 DELTA DENTAL PLAN OF NM INC Health48127 DENTAL CHOICE INC Health52634 DELTA DENTAL PLAN OF IN INC Health54305 DELTA DENTAL PLAN OF MI INC Health54402 DELTA DENTAL PLAN OF OH INC Health54526 DELTA DENTAL OF TN Health54658 DELTA DENTAL OF NC Health54674 DELTA DENTAL OF KY INC Health61700 RENAISSANCE LIFE & HLTH INS CO OF AM Health

481 Group Name:Group Code: PRESBYTERIAN HLTHCARE SERV GRP11504 PRESYBYTERIAN INS CO INC Health95330 PRESBYTERIAN HLTH PLAN INC Health

501 Group Name:Group Code: ALLEGHANY GRP10472 CAPITOL IND CORP Property18619 PLATTE RIVER INS CO Property

503 Group Name:Group Code: LANDCAR INS GRP92274 LANDCAR LIFE INS CO Life

513 Group Name:Group Code: IOWA FARM BUREAU GRP63088 FARM BUREAU LIFE INS CO Life

514 Group Name:Group Code: MISSOURI FARM BUREAU GRP63118 FARM BUREAU LIFE INS CO OF MO Life

520 Group Name:Group Code: NEW ERA LIFE GRP67784 PHILADELPHIA AMER LIFE INS CO Life69698 NEW ERA LIFE INS CO OF MIDWEST Life78743 NEW ERA LIFE INS CO Life81132 LIFE OF AMER INS CO Life

525 Group Name:Group Code: PAN AMER LIFE GRP12952 PAN AMER LIFE INS CO OF PR Life66427 MUTUAL TRUST LIFE INS CO A PAN AMER Life67539 PAN AMER LIFE INS CO Life

526 Group Name:Group Code: MAXIMUM CORP GRP61735 CENTRAL SECURITY LIFE INS CO Life80993 WESTERN AMER LIFE INS CO Life

535 Group Name:Group Code: COLUMBIAN LIFE GRP62103 COLUMBIAN MUT LIFE INS CO Life76023 COLUMBIAN LIFE INS CO Life

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Accident and Health Policy Experience Exhibit Group Index

536 Group Name:Group Code: GUIDEWELL MUT HOLDING GRP13567 FLORIDA HLTH CARE PLAN INC Health15118 BEHEALTHY FLORIDA INC Health76031 FLORIDA COMBINED LIFE INS CO INC Life95089 HEALTH OPTIONS INC Health95112 CAPITAL HLTH PLAN INC Health98167 BCBS OF FL Health

537 Group Name:Group Code: BCBS OF KC GRP10753 BLUE ADVANTAGE PLUS OF KC INC Health47171 BCBS OF KC Health76040 MISSOURI VALLEY LIFE & HLTH INS CO Life95315 GOOD HLTH HMO INC Health

542 Group Name:Group Code: INDIANA FARM BUREAU GRP69892 UNITED FARM FAMILY LIFE INS CO Life69922 UNITED HOME LIFE INS CO Life

549 Group Name:Group Code: SUN LIFE ASSUR CO OF CN GRP11111 UDC OF MI INC Health11244 UNION SECURITY DENTALCARE OF NJ INC Health47042 UNITED DENTAL CARE OF NM INC Health47044 UNITED DENTAL CARE OF MO INC Health47708 UNITED DENTAL CARE OF AZ INC Health52022 UDC OH INC DBA UNITED DENTAL CARE OH Health52032 UNITED DENTAL CARE OF CO INC Health68047 PROFESSIONAL INS CO Life80802 US BR SUN LIFE ASSUR CO OF CANADA Life80926 SUN LIFE & HLTH INS CO Life95142 UNITED DENTAL CARE OF TX INC Health95450 UNITED DENTAL CARE OF UT INC Health

553 Group Name:Group Code: ARROWPOINT CAPITAL GRP24678 ARROWOOD IND CO Property

565 Group Name:Group Code: UNUM GRP62049 COLONIAL LIFE & ACCIDENT INS CO Life62235 UNUM LIFE INS CO OF AMER Life64297 FIRST UNUM LIFE INS CO Life67598 PAUL REVERE LIFE INS CO Life68195 PROVIDENT LIFE & ACCIDENT INS CO Life68209 PROVIDENT LIFE & CAS INS CO Life68985 STARMOUNT LIFE INS CO Life

570 Group Name:Group Code: BCBS OF AL GRP55433 BCBS OF AL Health81531 UTIC INS CO Life

572 Group Name:Group Code: BCBS OF MI GRP11557 BLUE CROSS COMPLETE OF MI LLC Health52037 BLUE CARE OF MI INC Health54291 BCBS OF MI MUT INS CO Health77720 LIFESECURE INS CO Life95610 BLUE CARE NETWORK OF MI Health

574 Group Name:Group Code: AMERCO CORP GRP61859 CHRISTIAN FIDELITY LIFE INS CO Life68349 NORTH AMER INS CO Life76112 OXFORD LIFE INS CO Life

581 Group Name:Group Code: BOSTON MUT GRP61476 BOSTON MUT LIFE INS CO Life78140 LIFE INS CO OF BOSTON & NY Life

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Accident and Health Policy Experience Exhibit Group Index

587 Group Name:Group Code: ATLANTIC AMER GRP61239 BANKERS FIDELITY LIFE INS CO Life71919 BANKERS FIDELITY ASSUR CO Life

588 Group Name:Group Code: KANSAS CITY LIFE INS GRP65129 KANSAS CITY LIFE INS CO Life67199 OLD AMER INS CO Life69272 SUNSET LIFE INS CO OF AMER Life

595 Group Name:Group Code: HARVARD PILGRIM HLTH CARE GRP15492 HARVARD PILGRIM HLTH CARE OF CT INC Health18975 HPHC INS CO INC Health96717 HARVARD PILGRIM HEALTH CARE NEW ENG Health96911 HARVARD PILGRIM HLTH CARE INC Health

598 Group Name:Group Code: DELTA GRP62650 DELTA LIFE INS CO Life

600 Group Name:Group Code: SCOTT & WHITE GRP11670 INSURANCE CO OF SCOTT & WHITE Health95099 SCOTT & WHITE HLTH PLAN Health

601 Group Name:Group Code: KAISER FOUNDATION GRP11538 KAISER FOUND HLTH PLAN INC HI REGION Health60053 KAISER PERMANENTE INS CO Health95540 KAISER FOUND HLTH PLAN OF THE NW Health95639 KAISER FOUND HLTH PLAN MID ATLANTI Health95669 KAISER FOUND HLTH PLAN OF CO Health96237 KAISER FOUND HLTH PLAN OF GA INC Health

612 Group Name:Group Code: CITIZENS GRP60076 SECURITY PLAN LIFE INS CO Life71463 CICA LIFE INS CO OF AMER Life75208 MAGNOLIA GUARANTY LIFE INS CO Life82082 CITIZENS NATL LIFE INS CO Life

615 Group Name:Group Code: BENEFICIAL LIFE GRP61395 BENEFICIAL LIFE INS CO Life81019 DESERET MUT INS CO Life

619 Group Name:Group Code: ONEAMERICA FIN PARTNERS GRP60895 AMERICAN UNITED LIFE INS CO Life67911 PIONEER MUT LIFE INS CO Life69116 STATE LIFE INS CO Life

626 Group Name:Group Code: CHUBB LTD GRP20281 FEDERAL INS CO Property20699 ACE PROP & CAS INS CO Property22667 ACE AMER INS CO Property22713 INSURANCE CO OF N AMER Property27960 ILLINOIS UNION INS CO Property62146 COMBINED INS CO OF AMER Life78697 COMBINED LIFE INS CO OF NY Life

634 Group Name:Group Code: NATIONAL LIFE GRP65528 LIFE INS CO OF THE SOUTHWEST Life66680 NATIONAL LIFE INS CO Life

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Accident and Health Policy Experience Exhibit Group Index

661 Group Name:Group Code: BCBS OF SC GRP11560 TOTAL DENTAL ADMINISTRATORS OF UT Health12168 INSTIL HLTH INS CO Health12285 NIAGARA LIFE & HLTH INS CO Life38520 BCBS OF SC INC Health52120 TOTAL DENTAL ADMINISTRATORS HLTH PLA Health77828 COMPANION LIFE INS CO Life95741 BLUECHOICE HLTHPLAN OF SC INC Health

669 Group Name:Group Code: ZALE CORP GRP30325 ZALE IND CO Property71323 ZALE LIFE INS CO Life

671 Group Name:Group Code: ANTHEM INC GRP10345 COMMUNITY INS CO Health10767 AMERIGROUP OH INC DBA COMM CARE Health11011 ROCKY MOUNTAIN HOSPITAL & MEDICAL Health11810 UNICARE HLTH PLAN OF WV INC Health12229 AMGP GA MANAGED CARE CO INC Health12354 AMERIGROUP COMM CARE OF NM INC Health12586 AMERIGROUP NV INC Health12941 AMERIGROUP TN INC Health13562 CAREMORE HLTH PLAN OF AZ INC Health13573 ANTHEM LIFE & DISABILITY INS CO Life13605 CAREMORE HLTH PLAN OF NV Health13726 SIMPLY HLTHCARE PLANS INC Health14064 AMERIGROUP LA INC Health14073 AMERIGROUP WASHINGTON INC Health14078 AMERIGROUP INS CO Health14276 AMERIGROUP KS INC Health15480 BETTER HLTH INC Health15543 ANTHEM KY MANAGED CARE PLAN INC Health15807 AMERIGROUP IOWA INC Health28207 ANTHEM INS CO INC Health52618 ANTHEM HLTH PLANS OF ME INC Health53759 ANTHEM HLTH PLANS OF NH Health54003 BCBS OF WI Health54801 BCBS OF GA INC Health55093 EMPIRE HEALTHCHOICE ASSUR INC Health60217 ANTHEM HLTH PLANS INC Health61069 ANTHEM LIFE INS CO Life62825 ANTHEM BLUE CROSS LIFE & HLTH INS CO Health71835 ANTHEM HLTH PLANS OF VA INC Health78972 HEALTHY ALLIANCE LIFE INS CO Health80314 UNICARE LIFE & HLTH INS CO Life95093 AMERIGROUP FL INC Health95120 ANTHEM HLTH PLANS OF KY INC Health95169 HEALTHKEEPERS INC Health95314 AMERIGROUP TX INC Health95358 HMO MO INC Health95373 AMERIGROUP NJ INC Health95433 EMPIRE HEALTHCHOICE HMO INC Health95473 HMO CO INC Health95527 MATTHEW THORTON HLTH PLAN INC Health95693 COMPCARE HLTH SERV INS CORP Health95832 AMERIGROUP MD INC Health96475 HEALTHLINK HMO INC Health96962 BCBS HLTHCARE PLAN OF GA INC Health97217 GREATER GA LIFE INS CO Life

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Accident and Health Policy Experience Exhibit Group Index

687 Group Name:Group Code: GUARANTEE TRUST GRP64211 GUARANTEE TRUST LIFE INS CO Life92703 UNITED NATL LIFE INS CO OF AMER Life

690 Group Name:Group Code: CENTRAL STATES GRP61751 CENTRAL STATES H & L CO OF OMAHA Life

694 Group Name:Group Code: TENNESSEE FARMERS GRP15245 TENNESSEE FARMERS MUT INS CO Property

704 Group Name:Group Code: OHIO NATL LIFE GRP67172 OHIO NATL LIFE INS CO Life89206 OHIO NATL LIFE ASSUR CORP Life

© 2017 National Association of Insurance Commissioners 319

Accident and Health Policy Experience Exhibit Group Index

707 Group Name:Group Code: UNITEDHEALTH GRP11068 ORTHONET OF THE MID ATLANTIC INC Health11141 UNITEDHEALTHCARE COMM PLAN OF TX LLC Health11176 PREFERRED CARE PARTNERS INC Health11494 PHYSICIANS HLTH CHOICE OF TX LLC Health11596 UNIMERICA LIFE INS CO OF NY Life12155 MEDICA HLTHCARE PLANS INC Health12231 UNITEDHEALTHCARE INS CO OF THE RIVER Health12323 UNITEDHEALTHCARE COMM PLAN OF OH INC Health12558 CARE IMPROVEMENT PLUS OF TX INS CO Health12567 CARE IMPROVEMENT PLUS S CENTRAL INS Health12756 MEDICA HLTH PLANS OF FL INC Health13214 UNITEDHEALTHCARE OF NM INC Health14041 CARE IMPROVEMENT PLUS WI INS CO Health43893 HEALTH NET INS CO NY INC Health48038 UNITEDHEALTHCARE OF WA INC Health52053 DENTAL BENEFIT PROVIDERS OF IL INC Health60093 UNITED HLTHCARE INS CO OF NY Health60318 UNITED HLTHCARE INS CO OF IL Health60321 MAMSI LIFE & HLTH INS CO Health62286 GOLDEN RULE INS CO Life70785 PACIFICARE LIFE & HLTH INS CO Life71420 SIERRA HLTH & LIFE INS CO INC Health73130 ALL SAVERS LIFE INS CO OF CA Life78026 OXFORD HLTH INS INC Health79413 UNITEDHEALTHCARE INS CO Life79480 HARKEN HLTH INS CO Health82406 ALL SAVERS INS CO Life84549 SYMPHONIX HLTH INS INC Health91529 UNIMERICA INS CO Life95025 UNITED HLTHCARE MID ATLANTIC INC Health95085 UNITEDHEALTHCARE OF NY INC Health95090 UNITED HLTHCARE OF CO INC Health95103 UNITEDHEALTHCARE OF NC INC Health95123 NEIGHBORHOOD HLTH PARTNERSHIP INC Health95149 UNITEDHEALTHCARE OF NEW ENGLAND INC Health95174 UNITEDHEALTHCARE BENEFITS OF TX INC Health95186 UNITED HLTHCARE OF OH INC Health95220 UNITEDHEALTHCARE OF PA INC Health95251 NATIONAL PACIFIC DENTAL INC Health95264 UNITED HLTHCARE OF FL INC Health95378 UNITEDHEALTHCARE PLAN OF THE RIVER V Health95434 PACIFICARE OF CO INC Health95446 UNITED HLTHCARE OF AR INC Health95467 UNITEDHEALTHCARE COMM PLAN INC Health95479 OXFORD HLTH PLANS NY INC Health95497 AMERICHOICE OF NJ INC Health95501 UNITED HLTHCARE OF UT INC Health95506 OXFORD HLTH PLANS NJ INC Health95591 UNITED HLTHCARE OF MIDLANDS INC Health95617 PACIFICARE OF AZ INC Health95685 PACIFICARE OF NV INC Health95710 UNITEDHEALTHCARE OF WI INC Health95716 UNITED HLTH CARE OF MS INC Health95758 NEVADA PACIFIC DENTAL INC Health95765 UNITEDHEALTHCARE OF TX INC Health95776 UNITEDHEALTHCARE OF IL INC Health95784 UNITED HLTHCARE OF AL INC Health95833 UNITED HLTHCARE OF LA INC Health

© 2017 National Association of Insurance Commissioners 320

Accident and Health Policy Experience Exhibit Group Index

707 Group Name:Group Code: UNITEDHEALTH GRP95850 UNITED HLTHCARE OF GA INC Health95893 UNITEDHEALTHCARE OF OR INC Health96016 UNITED HLTHCARE OF AZ INC Health96310 MD INDIVIDUAL PRACTICE ASSN INC Health96342 HEALTH PLAN OF NV Health96385 UNITEDHEALTHCARE OF MIDWEST INC Health96644 UNITED HLTHCARE OF KY LTD Health96798 OXFORD HLTH PLANS CT INC Health96903 UNITEDHEATHCARE OF OK INC Health96940 OPTIMUM CHOICE INC Health97179 UNITEDHEALTHCARE LIFE INS CO Life

709 Group Name:Group Code: PACIFIC LIFE GRP97268 PACIFIC LIFE & ANN CO Life

730 Group Name:Group Code: MEDICAL MUT OF OH GRP29076 MEDICAL MUT OF OH Health62375 CONSUMERS LIFE INS CO Life95828 MEDICAL HLTH INSURING CORP OF OH Health

758 Group Name:Group Code: BCBS OF NC GRP54631 BCBS OF NC INC Health

761 Group Name:Group Code: ALLIANZ INS GRP11630 JEFFERSON INS CO Property21849 AMERICAN AUTOMOBILE INS CO Property21857 AMERICAN INS CO Property21873 FIREMANS FUND INS CO Property35300 ALLIANZ GLOBAL RISKS US INS CO Property64190 ALLIANZ LIFE INS CO OF NY Life90611 ALLIANZ LIFE INS CO OF N AMER Life

769 Group Name:Group Code: GREAT WEST GRP68322 GREAT W LIFE & ANN INS CO Life76694 LONDON LIFE REINS CO Life79359 GREAT W LIFE & ANN INS CO OF NY Life80659 US BUSINESS OF CANADA LIFE ASSUR CO Life80705 US BR GREAT WEST LIFE ASSUR CO Life

770 Group Name:Group Code: WELLMARK INC GRP60128 WELLMARK OF SD INC Health88848 WELLMARK INC Health95531 WELLMARK HLTH PLAN OF IA INC Health

781 Group Name:Group Code: UNION LABOR GRP69744 UNION LABOR LIFE INS CO Life

785 Group Name:Group Code: MARKEL CORP GRP35378 EVANSTON INS CO Property38970 MARKEL INS CO Property

809 Group Name:Group Code: TEXAS FARM BUREAU MUT GRP25380 TEXAS FARM BUREAU MUT INS CO Property

© 2017 National Association of Insurance Commissioners 321

Accident and Health Policy Experience Exhibit Group Index

812 Group Name:Group Code: HIGHMARK GRP10131 HIGHMARK SELECT RESOURCES INC Health12325 GATEWAY HLTH PLAN OF OH INC Health15020 WEST VIRGINIA FAMILY HLTH PLAN INC Health15459 HIGHMARK SENIOR SOLUTIONS CO Health15460 HIGHMARK SENIOR HLTH CO Health15507 HIGHMARK COVERAGE ADVANTAGE INC Health15508 HIGHMARK BENEFITS GRP INC Health35599 HIGHMARK CAS INS CO Property47089 UNITED CONCORDIA DENTAL PLAN PA INC Health52048 UNITED CONCORDIA DENTAL PLANS OF KY Health53287 HIGHMARK BCBSD INC Health54771 HIGHMARK INC Health54828 HIGHMARK WEST VIRGINIA INC. Health60147 FIRST PRIORITY LIFE INS CO INC Health60213 HM LIFE INS CO OF NY Life60222 UNITED CONCORDIA INS CO OF NY Health62294 UNITED CONCORDIA LIFE & HLTH INS CO Health71768 HM HLTH INS CO Health85766 UNITED CONCORDIA INS CO Health89070 UNITED CONCORDIA COMPANIES INC Health93440 HM LIFE INS CO Life95048 KEYSTONE HLTH PLAN W INC Health95160 UNITED CONCORDIA DENTAL PLANS TX INC Health95253 UNITED CONCORDIA DENTAL PLANS Health96150 UNITED CONCORDIA DENTAL PLNS OF MW Health96601 HMO OF NE PA Health96938 GATEWAY HLTH PLAN INC Health

826 Group Name:Group Code: NEW YORK LIFE GRP66915 NEW YORK LIFE INS CO Life

836 Group Name:Group Code: WEST SOUTHERN GRP65242 LAFAYETTE LIFE INS CO Life70483 WESTERN & SOUTHERN LIFE INS CO Life99937 COLUMBUS LIFE INS CO Life

838 Group Name:Group Code: CINCINNATI EQUITABLE CO GRP88064 CINCINNATI EQUITABLE LIFE INS CO Life

839 Group Name:Group Code: WESTBRIDGE CAPITAL GRP62324 FREEDOM LIFE INS CO OF AMER Life89087 ENTERPRISE LIFE INS CO Life98205 NATL FOUNDATION LIFE INS CO Life

850 Group Name:Group Code: PENN MUT GRP67644 PENN MUT LIFE INS CO Life68446 LONGEVITY INS CO Life

860 Group Name:Group Code: NORTHWESTERN MUT GRP67091 NORTHWESTERN MUT LIFE INS CO Life69000 NORTHWESTERN LONG TERM CARE INS CO Life

863 Group Name:Group Code: INTER AMER GRP64076 GREAT FIDELITY LIFE INS CO Life92649 AMERICAN UNDERWRITERS LIFE INS CO Life94447 CENTURY LIFE ASS CO Life

867 Group Name:Group Code: BALDWIN & LYONS GRP12416 PROTECTIVE INS CO Property

© 2017 National Association of Insurance Commissioners 322

Accident and Health Policy Experience Exhibit Group Index

869 Group Name:Group Code: MINNESOTA MUT GRP65811 AMERICAN MODERN LIFE INS CO Life66168 MINNESOTA LIFE INS CO Life74365 SOUTHERN PIONEER LIFE INS CO Life93742 SECURIAN LIFE INS CO Life

872 Group Name:Group Code: BANNER LIFE GRP66230 WILLIAM PENN LIFE INS CO OF NY Life94250 BANNER LIFE INS CO Life

876 Group Name:Group Code: ARKANSAS BCBS GRP83470 USABLE MUT INS CO Health94358 USABLE LIFE Life95442 HMO PARTNERS INC Health

878 Group Name:Group Code: COLONIAL SAVINGS GRP88153 COLONIAL LIFE INS CO OF TX Life

880 Group Name:Group Code: IHC INC GRP63245 SELECTHEALTH BENEFIT ASSUR CO INC Health95153 SELECTHEALTH INC Health

© 2017 National Association of Insurance Commissioners 323

Accident and Health Policy Experience Exhibit Group Index

901 Group Name:Group Code: CIGNA HLTH GRP10095 BRAVO HLTH MID ATLANTIC INC Health11160 CIGNA DENTAL HLTH OF MO INC Health11167 CIGNA DENTAL HLTH OF NJ INC Health11175 CIGNA DENTAL HLTH OF CO INC Health11522 HEALTHSPRING OF TN INC Health11524 BRAVO HLTH PA INC Health11532 HEALTHSPRING OF FL INC Health12814 ALLEGIANCE LIFE & HLTH INS CO INC Health12902 HEALTHSPRING LIFE & HLTH INS CO INC Health47013 CIGNA DENTAL HLTH PLAN OF AZ INC Health47041 CIGNA DENTAL HLTH OF PA INC Health47805 CIGNA DENTAL HLTH OF OH INC Health48119 CIGNA DENTAL HLTH OF MD INC Health52021 CIGNA DENTAL HLTH OF FL INC Health52024 CIGNA DENTAL HLTH OF KS INC Health52108 CIGNA DENTAL HLTH OF KY INC Health52617 CIGNA DENTAL HLTH OF VA INC Health61727 CENTRAL RESERVE LIFE INS CO Life62308 CONNECTICUT GEN LIFE INS CO Life64548 CIGNA LIFE INS CO OF NY Life65498 LIFE INS CO OF N AMER Life65722 LOYAL AMER LIFE INS CO Life67369 CIGNA HLTH & LIFE INS CO Life67903 PROVIDENT AMER LIFE & HLTH INS CO Life77399 STERLING LIFE INS CO Life88366 AMERICAN RETIREMENT LIFE INS CO Life90859 CIGNA WORLDWIDE INS CO Life95037 CIGNA DENTAL HLTH OF TX INC Health95125 CIGNA HLTHCARE OF AZ INC Health95132 CIGNA HLTHCARE OF NC INC Health95136 CIGNA HLTHCARE OF FL INC Health95179 CIGNA DENTAL HLTH OF NC INC Health95380 CIGNA DENTAL HLTH OF DE INC Health95383 CIGNA HLTHCARE OF TX INC Health95493 CIGNA HLTHCARE NH INC Health95500 CIGNA HLTHCARE OF NJ INC Health95525 CIGNA HLTCARE OF IN INC Health95602 CIGNA HLTHCARE OF IL INC Health95604 CIGNA HLTHCARE OF CO INC Health95606 CIGNA HLTHCARE OF TN INC Health95635 CIGNA HLTHCARE OF ST LOUIS INC Health95660 CIGNA HLTHCARE OF CT INC Health95708 CIGNA HLTHCARE OF SC INC Health95781 HEALTHSPRING OF AL INC Health96229 CIGNA HLTHCARE OF GA INC Health

904 Group Name:Group Code: JOHN HANCOCK GRP65838 JOHN HANCOCK LIFE INS CO USA Life86375 JOHN HANCOCK LIFE INS CO OF NY Life93610 JOHN HANCOCK LIFE & HLTH INS CO Life

© 2017 National Association of Insurance Commissioners 324

Accident and Health Policy Experience Exhibit Group Index

917 Group Name:Group Code: HCSC GRP11814 GHS HMO INC DBA BLUELINCS HMO Health14048 GHS MANAGED HLTH CARE PLANS INC Health29718 GHS INS CO Health70670 HEALTH CARE SERV CORP A MUT LEGAL RE Health71129 DEARBORN NATL LIFE INS CO Life78611 HCSC INS SERV CO Health85090 DEARBORN NATL LIFE INS CO OF NY Life

918 Group Name:Group Code: JACKSON NATL GRP65056 JACKSON NATL LIFE INS CO Life

936 Group Name:Group Code: INDEPENDENCE HLTH GRP INC GRP14143 AMERIHEALTH CARITAS LA INC Health14261 AMERIHEALTH NE INC Health14378 FLORIDA TRUE HLTH INC Health15088 AMERIHEALTH CARITAS DC INC Health15104 AMERIHEALTH MI INC Health15800 AMERIHEALTH CARITAS IA INC Health53252 INTER CNTY HLTH PLAN INC Health54704 INDEPENDENCE HOSPITAL IND PLAN INC Health54763 INTER CTY HOSPITALIZATION PLAN INC Health60061 AMERIHEALTH INS CO OF NJ Health93688 QCC INS CO Health95044 AMERIHEALTH HMO INC Health95056 KEYSTONE HLTH PLAN E INC Health95458 SELECT HLTH OF SC INC Health96660 VISTA HLTH PLAN INC Health

943 Group Name:Group Code: AMERITAS MUT HOLDING GRP60033 AMERITAS LIFE INS CORP OF NY Life61301 AMERITAS LIFE INS CORP Life

948 Group Name:Group Code: NATL GEN GRP77976 GULF GUAR LIFE INS CO Life

953 Group Name:Group Code: UNIVERSAL AMER FIN CORP GRP10096 SELECTCARE OF TX INC Health10768 SELECTCARE HLTH PLANS INC Health15483 TODAYS OPTIONS OF TX IN Health80624 AMERICAN PROGRESSIVE L&H INS OF NY Life

962 Group Name:Group Code: PREMERA BLUE CROSS GRP47570 PREMERA BLUE CROSS Health52633 LIFEWISE HLTH PLAN OF WA Health84930 LIFEWISE HLTH PLAN OF OR INC Health94188 LIFEWISE ASSUR CO Life

963 Group Name:Group Code: OHIO MUT GRP10202 OHIO MUT INS CO Property13072 UNITED OHIO INS CO Property25950 CASCO IND CO Property

965 Group Name:Group Code: FHC HLTH SYSTEMS GRP15448 VALUEOPTIONS OF NJ INC Health47025 VALUE BEHAVIORAL HLTH OF PA INC Health95799 VALUE OPTIONS OF TX INC Health

968 Group Name:Group Code: AXA INS GRP62944 AXA EQUITABLE LIFE INS CO Life78077 MONY LIFE INS CO OF AMER Life

© 2017 National Association of Insurance Commissioners 325

Accident and Health Policy Experience Exhibit Group Index

1117 Group Name:Group Code: MANHATTAN LIFE GRP61883 CENTRAL UNITED LIFE INS CO Life63053 FAMILY LIFE INS CO Life65870 MANHATTAN LIFE INS CO Life85189 WESTERN UNITED LIFE ASSUR CO Life

1126 Group Name:Group Code: MISSISSIPPI INS GRP60111 BCBS OF MS MUT INS CO Health68535 BLUEBONNET LIFE INS CO Life

1127 Group Name:Group Code: EMBLEM HLTH GRP11209 CONNECTICARE INS CO INC Health14913 CONNECTICARE BENEFITS INC Health55239 GROUP HLTH INC Health55247 HEALTH INS PLAN OF GREATER NY Health60094 HIP INS CO OF NY Health95299 CONNECTICARE OF MA INC Health95675 CONNECTICARE INC Health

1129 Group Name:Group Code: WHITE MOUNTAINS GRP14190 OBI NATL INS CO Property27154 ATLANTIC SPECIALTY INS CO Property34452 HOMELAND INS CO OF NY Property

1143 Group Name:Group Code: GEISINGER INS GRP10244 GEISINGER IND INS CO Health12743 GEISINGER QUALITY OPTIONS INC Health95923 GEISINGER HLTH PLAN Health

1183 Group Name:Group Code: SENTARA HLTH MGMT GRP70715 OPTIMA HLTH INS CO Health95281 OPTIMA HLTH PLAN Health

1184 Group Name:Group Code: ROCKY MOUNTAIN HLTH GRP47004 ROCKY MOUNTAIN HLTHCARE OPTIONS INC Health95482 ROCKY MOUNTAIN HMO INC Health

1185 Group Name:Group Code: GROUP HLTH COOP GRP47055 GROUP HLTH OPTIONS INC Health95672 GROUP HLTH COOP Health

1186 Group Name:Group Code: LIFETIME HLTHCARE GRP12967 MEDAMERICA INS CO OF FL Life55107 EXCELLUS HLTH PLAN INC Health69515 MEDAMERICA INS CO Life83437 MEDAMERICA INS CO OF NY Life

1189 Group Name:Group Code: VISION SERV PLAN GRP12516 VISION SERV PLAN OF IL NFP Health32395 VISION SERV PLAN INS CO Health39616 VISION SERV PLAN INS CO Health47029 EASTERN VISION SERV PLAN INC Health47093 MASSACHUSETTS VISION SERV PLAN Health47097 VISION SERV PLAN INC OK Health53031 VSP VISION CARE INC Health54380 VISION SERV PLAN Health

1192 Group Name:Group Code: CARLE HOLDING CO GRP15082 HEALTH ALLIANCE NW HLTH PLAN Health15478 HEALTH ALLIANCE CONNECT INC Health77950 HEALTH ALLIANCE MEDICAL PLANS Health95513 HEALTH ALLIANCE MIDWEST INC Health

© 2017 National Association of Insurance Commissioners 326

Accident and Health Policy Experience Exhibit Group Index

1198 Group Name:Group Code: MVP GRP10135 MVP HLTH INS CO OF NH INC Health11125 MVP HLTH INS CO Health47062 MVP HLTH SERV CORP Health95521 MVP HLTH PLAN INC Health

1199 Group Name:Group Code: WELLCARE GRP10155 WELLCARE PRESCRIPTION INS INC Health10760 WELLCARE OF GA INC Health11229 HARMONY HLTH PLAN INC Health11775 WELLCARE OF SC INC Health12749 WELLCARE OF OH INC Health12913 MISSOURI CARE INC Health12964 WELLCARE OF TX INC Health13020 WELLCARE HLTH PLANS OF NJ INC Health15510 WELLCARE HLTH PLANS OF KY INC Health64467 WELLCARE HLTH INS OF KY INC Health83445 WELLCARE HLTH INS OF AZ INC Health95081 WELLCARE OF FL INC Health95310 WELLCARE OF CT INC Health

1202 Group Name:Group Code: BCBS OF NJ GRP11146 HORIZON HLTHCARE DENTAL INC Health14690 HORIZON INS CO Health55069 HORIZON HLTHCARE SERV INC Health95529 HORIZON HLTHCARE OF NJ INC Health

1203 Group Name:Group Code: COX INS GRP60040 COX HLTH SYSTEMS INS CO Health95530 COX HLTH SYSTEM HMO INC Health

1207 Group Name:Group Code: CAMBIA HEALTH SOLUTIONS INC47350 ASURIS NW HLTH Health53902 REGENCE BLUESHIELD Health54550 REGENCE BCBS OF UT Health54933 REGENCE BCBS OF OR Health60131 REGENCE BLUESHIELD OF ID INC Health95303 BRIDGESPAN HLTH CO Health

1211 Group Name:Group Code: NATIONAL GUARDIAN LIFE INS GRP66583 NATIONAL GUARDIAN LIFE INS CO Life97241 SETTLERS LIFE INS CO Life

1212 Group Name:Group Code: VANGUARD HLTH VENTURES GRP11518 PARAMOUNT INS CO Health12353 PARAMOUNT ADVANTAGE Health95189 PARAMOUNT HLTH CARE Health95566 PARAMOUNT CARE OF MI INC Health

1216 Group Name:Group Code: TIAA FAMILY GRP60142 TIAA CREF LIFE INS CO Life69345 TEACHERS INS & ANN ASSOC OF AMER Life

1230 Group Name:Group Code: CAPITAL BLUE CROSS GRP12358 AVALON INS CO Health14411 CAPITAL ADVANTAGE ASSUR CO Health41203 CAPITAL ADVANTAGE INS CO Health54720 CAPITAL BLUE CROSS Health95199 KEYSTONE HLTH PLAN CENTRAL INC Health95657 DOMINION DENTAL SERV INC Health

© 2017 National Association of Insurance Commissioners 327

Accident and Health Policy Experience Exhibit Group Index

1238 Group Name:Group Code: TOTAL HLTH GRP12326 TOTAL HLTH CARE USA INC Health95644 TOTAL HLTH CARE INC Health

1246 Group Name:Group Code: SANFORD HLTH GRP52554 SANFORD HEART OF AMER HLTH PLAN Health95683 SANFORD HLTH PLAN Health95725 SANFORD HLTH PLAN OF MN Health

1258 Group Name:Group Code: HEALTHPARTNERS GRP44547 HEALTHPARTNERS INS CO Health52628 GROUP HLTH PLAN INC Health95766 HEALTHPARTNERS INC Health

1260 Group Name:Group Code: MAGELLAN HLTH INC GRP12632 MAGELLAN BEHAVIORAL HLTH OF NJ LLC Health14447 FLORIDA MHS INC Health15280 ALPHACARE OF NY INC Health18750 MERIT HLTH INS CO Health47019 MAGELLAN BEHAVIORAL HLTH OF PA INC Health97292 MAGELLAN LIFE INS CO Health

1278 Group Name:Group Code: CSAA INS GRP11681 CSAA AFFINITY INS CO Property

1279 Group Name:Group Code: ARCH INS GRP11150 ARCH INS CO Property

1281 Group Name:Group Code: BANKAMERICA CORP GRP93521 GENERAL FIDELITY LIFE INS CO Life

1285 Group Name:Group Code: XL AMER GRP19518 CATLIN INS CO Property22322 GREENWICH INS CO Property

1290 Group Name:Group Code: BLUE CROSS OF ID GRP15022 BLUE CROSS OF ID CARE PLUS INC Health60095 BLUE CROSS OF ID HLTH SERV INC Health

1294 Group Name:Group Code: DEAN HLTH GRP96156 DEAN HLTH PLAN INC Health

© 2017 National Association of Insurance Commissioners 328

Accident and Health Policy Experience Exhibit Group Index

1295 Group Name:Group Code: CENTENE CORP GRP10769 FIDELIS SECURECARE OF MI INC Health11834 BUCKEYE COMM HLTH PLAN INC Health12315 PEACH STATE HLTH PLAN INC Health12559 TRILLIUM COMM HLTH PLAN INC Health12959 ABSOLUTE TOTAL CARE INC Health13148 SUNSHINE STATE HLTH PLAN INC Health13632 CELTICARE HLTH PLAN OF MA INC Health13923 MAGNOLIA HLTH PLAN INC Health13970 LOUISIANA HEALTHCARE CONNECTIONS INC Health14053 ILLINICARE HLTH PLAN INC Health14100 KENTUCKY SPIRIT HEALTH PLAN INC Health14218 HOME STATE HLTH PLAN INC Health14226 GRANITE STATE HLTH PLAN INC Health14345 SUNFLOWER STATE HLTH PLAN INC Health15352 COORDINATED CARE OF WA INC Health15729 AMBETTER OF PEACH STATE INC Health15762 AMBETTER OF MAGNOLIA INC Health66141 HEALTH NET LIFE INS CO Life71013 BANKERS RESERVE LIFE INS CO OF WI Health80799 CELTIC INS CO Health95206 HEALTH NET OF AZ INC Health95647 SUPERIOR HLTHPLAN INC Health95800 HEALTH NET HLTH PLAN OF OR INC Health95831 COORDINATED CARE CORP Health96822 MANAGED HLTH SERV INS CORP Health

1297 Group Name:Group Code: HEALTH PLAN GRP60016 THP INS CO Health95677 THE HLTH PLAN THE UPPER OH VALLEY IN Health

1301 Group Name:Group Code: MEDICAL CARD SYSTEM INC GRP13022 MCS ADVANTAGE INC Health60030 MCS LIFE INS CO Life

1309 Group Name:Group Code: FRANKENMUTH GRP32069 PATRIOT INS CO Property

1311 Group Name:Group Code: HENRY FORD HLTH SYSTEM GRP60134 ALLIANCE HLTH & LIFE INS CO Health95814 HAP MIDWEST HLTH PLAN INC Health95844 HEALTH ALLIANCE PLAN OF MI Health

1313 Group Name:Group Code: OREGON DENTAL GRP18813 DENTISTS BENEFITS INS CO Property47098 MODA HLTH PLAN INC Health54941 DELTA DENTAL PLAN OF OR Health

1318 Group Name:Group Code: AUTO CLUB ENTERPRISES INS GRP66005 OHIO MOTORISTS LIFE INS CO Life

1324 Group Name:Group Code: UPMC HLTH SYSTEM GRP11018 UPMC HLTH BENEFITS INC Property11994 UPMC HLTH NTWRK INC Health11995 UPMC FOR YOU INC Health15345 UPMC HLTH OPTIONS INC Health15451 UPMC HLTH COVERAGE INC Health47024 COMMUNITY CARE BEHAVIORAL HLTH ORG Health95216 UPMC HLTH PLAN INC Health

1339 Group Name:Group Code: CROY HALL MGMT GRP82392 REGAL LIFE OF AMER INS CO Life82430 SOUTHWEST SERV LIFE INS CO Life

© 2017 National Association of Insurance Commissioners 329

Accident and Health Policy Experience Exhibit Group Index

1348 Group Name:Group Code: MEIJI YASUDA LIFE INS GRP64343 PACIFIC GUARDIAN LIFE INS CO LTD Life69019 STANDARD INS CO Life89009 STANDARD LIFE INS CO OF NY Life

1531 Group Name:Group Code: MOLINA HEALTHCARE INC GRP10757 MOLINA HLTHCARE OF TX INC Health12007 MOLINA HLTHCARE OF WI INC Health12334 MOLINA HLTHCARE OF OH INC Health13128 MOLINA HLTHCARE OF FL INC Health13778 MOLINA HLTHCARE OF TX INS CO Life14104 MOLINA HLTHCARE OF IL INC Health15133 MOLINA HLTHCARE OF VA INC Health15329 MOLINA HLTHCARE OF SC INC LLC Health15600 MOLINA HLTHCARE OF PR INC Health52630 MOLINA HLTHCARE OF MI Health95502 MOLINA HLTHCARE OF UT INC DBA AMFAM Health95739 MOLINA HLTHCARE OF NM Health96270 MOLINA HLTHCARE OF WA INC Health

1552 Group Name:Group Code: MEDICA GRP12459 MEDICA INS CO Health52626 MEDICA HLTH PLANS Health95232 MEDICA HLTH PLANS OF WI Health

1571 Group Name:Group Code: DELTA DENTAL OF RI GRP52632 ALTUS DENTAL INS CO INC Health55301 DELTA DENTAL OF RI Health

2358 Group Name:Group Code: ISMIE GRP68519 PHYSICIANS BENEFITS TRUST LIFE INS Life

2418 Group Name:Group Code: SAINT MARYS HLTH CARE CORP GRP11079 PROMINENCE PREFERRED HLTH INS CO Health15452 PROMINENCE HEALTHFIRST OF TX INC Health95793 PROMINENCE HEALTHFIRST Health

2479 Group Name:Group Code: DENTEGRA GRP11132 DELTA DENTAL OF DE INC Health11174 ALPHA DENTAL OF UT INC Health12210 DENTEGRA INS CO OF NEW ENGLAND Health12329 DELTA DENTAL OF W VA Health47085 DELTA DENTAL PLAN OF PR INC Health47092 ALPHA DENTAL OF NM INC Health54798 DELTA DENTAL OF PA Health55263 DELTA DENTAL OF NY Health73474 DENTEGRA INS CO Health81396 DELTA DENTAL INS CO Health95163 ALPHA DENTAL PROGRAMS INC Health95366 ALPHA DENTAL OF AZ INC Health95778 ALPHA DENTAL OF NV INC Health

2538 Group Name:Group Code: AMTRUST NGH GRP22772 INTEGON IND CORP Property25011 WESCO INS CO Property29742 INTEGON NATL INS CO Property82538 NATIONAL HLTH INS CO Life

2678 Group Name:Group Code: NETWORK HLTH GRP15087 NETWORK HLTH INS CORP Health95737 NETWORK HLTH PLAN Health

© 2017 National Association of Insurance Commissioners 330

Accident and Health Policy Experience Exhibit Group Index

2738 Group Name:Group Code: COMMUNITY FIRST GRP11143 COMMUNITY FIRST GRP HOSPITAL SERV CO Health95248 COMMUNITY FIRST HLTH PLANS INC Health

2798 Group Name:Group Code: BLUE SHIELD OF CA GRP61557 BLUE SHIELD OF CA LIFE & HLTH INS CO Life

2838 Group Name:Group Code: CHE TRINITY INC GRP13123 MOUNT CARMEL HLTH INS CO Health95655 MOUNT CARMEL HLTH PLAN INC Health

2858 Group Name:Group Code: HOMESHIELD CAPITAL GRP99724 LIFESHIELD NATL INS CO Life

2878 Group Name:Group Code: UNITED HERITAGE MUT GRP63983 UNITED HERITAGE LIFE INS CO Life

2938 Group Name:Group Code: THRIVENT FINANCIAL FOR LUTHERANS56014 THRIVENT FINANCIAL FOR LUTHERANS Fraternal97721 THRIVENT LIFE INS CO Life

3098 Group Name:Group Code: TOKIO MARINE HOLDINGS INC GRP10367 AVEMCO INS CO Property11216 TOKIO MARINE PACIFIC INS LTD Property18058 PHILADELPHIA IND INS CO Property29599 US SPECIALTY INS CO Property41742 FIRST INS CO OF HI LTD Property42374 HOUSTON CAS CO Property68381 RELIANCE STANDARD LIFE INS CO Life71005 FIRST RELIANCE STANDARD LIFE INS CO Life92711 HCC LIFE INS CO Life

3259 Group Name:Group Code: SUMMA HLTH GRP10649 SUMMA INS CO INC Health95202 SUMMACARE INC Health

3383 Group Name:Group Code: SPECTRUM HLTH GRP11520 PRIORITY HLTH CHOICE INC Health12208 PRIORITY HLTH INS CO Health95561 PRIORITY HLTH Health

3384 Group Name:Group Code: KERNAN GRP30175 ORISKA INS CO Property

3408 Group Name:Group Code: PHYSICIANS HLTH PLAN OF MID MI GRP11537 SPARROW PHP Health12816 PHP INS CO Health95849 PHYSICIANS HLTH PLAN Health

3416 Group Name:Group Code: AXIS CAPITAL GRP37273 AXIS INS CO Property

3436 Group Name:Group Code: LIBERTY LIFE GRP TRUST GRP66001 AMERICAN BENEFIT LIFE INS CO Life68543 LIBERTY BANKERS LIFE INS CO Life73539 CONTINENTAL LIFE INS CO Life

3478 Group Name:Group Code: HALLMARK FIN SERV GRP26808 HALLMARK SPECIALTY INS CO Property43494 AMERICAN HALLMARK INS CO OF TX Property

3483 Group Name:Group Code: PARTNERRE GRP11835 PARTNERRE AMER INS CO Property

© 2017 National Association of Insurance Commissioners 331

Accident and Health Policy Experience Exhibit Group Index

3487 Group Name:Group Code: COMMUNITYCARE GRP11691 COMMUNITYCARE HMO INC Health89008 COMMUNITYCARE LIFE & HLTH INS CO Health

3492 Group Name:Group Code: PREFERREDONE GRP11817 PREFERREDONE INS CO Health95724 PREFERREDONE COMM HLTH PLAN Health

3498 Group Name:Group Code: BCBS OF TN GRP14046 VOLUNTEER STATE HLTH PLAN INC Health15005 SECURITYCARE OF TN INC Health54518 BCBS OF TN INC Health65463 GOLDEN SECURITY INS CO Health

3502 Group Name:Group Code: AMERICAN SPECIALTY GRP11866 AMERICAN SPECIALTY HLTH ODS OF NJ Health

3503 Group Name:Group Code: WILLAMETTE DENTAL GRP47050 WILLAMETTE DENTAL OF WA INC Health52555 WILLAMETTE DENTAL INS INC Health95819 WILLAMETTE DENTAL OF ID INC Health

3527 Group Name:Group Code: AMERICAN ENTERPRISE MUT GRP31119 MEDICO INS CO Life60836 AMERICAN REPUBLIC INS CO Life65641 MEDICO LIFE & HLTH INS CO Life67679 AMERICAN REPUBLIC CORP INS CO Life79987 MEDICO CORP LIFE INS CO Life

3548 Group Name:Group Code: TRAVELERS GRP10213 DISCOVER SPECIALTY INS CO Property24767 ST PAUL FIRE & MARINE INS CO Property25658 TRAVELERS IND CO Property25674 TRAVELERS PROP CAS CO OF AMER Property25682 TRAVELERS IND CO OF CT Property36463 DISCOVER PROP & CAS INS CO Property

3549 Group Name:Group Code: FIRSTCARE GRP66117 SOUTHWEST LIFE & HLTH INS CO Health95138 SHA LLC Health

3569 Group Name:Group Code: CATERPILLAR GRP11255 CATERPILLAR INS CO Property

3593 Group Name:Group Code: USIC GRP11067 USIC LIFE INS CO Life

3595 Group Name:Group Code: MERCY HLTH CORP GRP12195 MERCYCARE HMO INC Health60215 MERCYCARE INS CO Health

3637 Group Name:Group Code: BCBS OF MA GRP12219 BCBS OF MA HMO BLUE INC Health53228 BCBS OF MA Health

3658 Group Name:Group Code: DELTA DENTAL PLAN OF AZ GRP53597 ARIZONA DENTAL INS SERV INC Health

3680 Group Name:Group Code: DELTA DENTAL PLAN OF MO GRP12278 ADVANTICA INS CO Health47035 ADVANTICA DENTAL BENEFITS INC Health55697 DELTA DENTAL OF MO Health

© 2017 National Association of Insurance Commissioners 332

Accident and Health Policy Experience Exhibit Group Index

3683 Group Name:Group Code: CARESOURCE GRP10142 CARESOURCE IN Health15479 CARESOURCE KY CO Health15728 CARESOURCE W VA CO Health95201 CARESOURCE Health

3828 Group Name:Group Code: PHP INDIANA GRP12331 PHP INS CO OF IN INC Health95436 PHYSICIANS HLTH PLAN OF N IN INC Health

3849 Group Name:Group Code: DELTA DENTAL OF WI GRP54046 DELTA DENTAL OF WI INC Health

3891 Group Name:Group Code: GOLDMAN SACHS GRP69140 FIRST ALLMERICA FIN LIFE INS CO Life84824 COMMONWEALTH ANN & LIFE INS CO Life91642 FORETHOUGHT LIFE INS CO Life

4011 Group Name:Group Code: GENWORTH FIN GRP65536 GENWORTH LIFE & ANN INS CO Life70025 GENWORTH LIFE INS CO Life72990 GENWORTH LIFE INS CO OF NY Life

4213 Group Name:Group Code: WILTON RE GRP60704 WILTON REASSUR LIFE CO OF NY Life62413 WILCAC LIFE INS CO Life65900 WILCO LIFE INS CO Life69396 TEXAS LIFE INS CO Life

4234 Group Name:Group Code: RANDALL & QUILTER INVESTMENT GRP22705 R&Q REINS CO Property

4380 Group Name:Group Code: UCARE GRP12924 UCARE HLTH INC Health52629 UCARE MN Health

4381 Group Name:Group Code: HOUSTON INTL INS GRP18694 GREAT MIDWEST INS CO Property

4483 Group Name:Group Code: NESTLE SA GRP70939 GERBER LIFE INS CO Life

4506 Group Name:Group Code: DENTAL ECONOMICS GRP64696 FIRST CONTINENTAL LIFE & ACC Life

4509 Group Name:Group Code: IRONSHORE GRP23647 IRONSHORE IND INC Property

4512 Group Name:Group Code: DENTAQUEST GRP12307 DENTAQUEST USA INS CO INC Health15497 DSM MA INS CO INC Health52060 DENTAL SERV OF MA INC Health67636 DSM USA INS CO INC Health

4553 Group Name:Group Code: SAVINGS BANK LIFE GRP70435 THE SAVINGS BANK LIFE INS CO OF MA Life

4616 Group Name:Group Code: EVERENCE GRP57991 EVERENCE ASSN INC Fraternal74209 EVERENCE INS CO Life

4637 Group Name:Group Code: INDIANA UNIVERSITY HLTH GRP13164 INDIANA UNIVERSITY HLTH PLANS INC Health15450 INDIANA UNIVERSITY HLTH PLANS NFP IN Health15584 MDWISE MARKETPLACE INC Health95807 MDWISE INC Health

© 2017 National Association of Insurance Commissioners 333

Accident and Health Policy Experience Exhibit Group Index

4638 Group Name:Group Code: DELTA DENTAL OF KS GRP13175 SURENCY LIFE & HLTH INS CO Life54615 DELTA DENTAL PLAN OF KS INC Health

4639 Group Name:Group Code: RGA INC GRP93572 RGA REINS CO Life

4640 Group Name:Group Code: CAIDAN ENTERPRISES INC GRP13189 MERIDIAN HLTH PLAN OF IL INC Health14145 MERIDIAN HLTH PLAN OF IA INC Health52563 MERIDIAN HLTH PLAN OF MI INC Health

4667 Group Name:Group Code: CVS CAREMARK GRP12575 SILVERSCRIPT INS CO Health63444 ACCENDO INS CO Health67660 PENNSYLVANIA LIFE INS CO Health

4670 Group Name:Group Code: STARR GRP13604 STARR SURPLUS LINES INS CO Property38318 STARR IND & LIAB CO Property

4677 Group Name:Group Code: TENNESSEE RURAL HLTH GRP89005 TRH HLTH INS CO Health94587 MEMBERS HLTH INS CO Health

4692 Group Name:Group Code: LIBERTY DENTAL PLAN GRP11159 LIBERTY DENTAL PLAN OF NJ INC Health13566 LIBERTY DENTAL PLAN OF NV INC Health14057 LIBERTY DENTAL PLAN OF MO INC Health

4696 Group Name:Group Code: VISION BENEFITS GRP13750 VISION BENEFITS OF AMER II INC Health53953 VISION BENEFITS OF AMER INC Health

4700 Group Name:Group Code: MCLAREN HLTH GRP14217 MCLAREN HLTH PLAN COMM Health95562 MCLAREN HLTH PLAN INC Health

4703 Group Name:Group Code: KENTUCKY NATL INS GRP60244 KENTUCKY HOME LIFE INS CO Life

4704 Group Name:Group Code: PACIFICSOURCE HLTH PLAN GRP12595 PACIFICSOURCE COMM HLTH PLANS Health54976 PACIFICSOURCE HLTH PLANS Health

4706 Group Name:Group Code: LOCKHART CO GRP17779 GUARDIAN INS CO INC Property

4708 Group Name:Group Code: CDPHP INC GRP47027 CDPHP UNIVERSAL BENEFITS INC Health95491 CAPITAL DISTRICT PHYSICIANS HLTHPLN Health

4712 Group Name:Group Code: GPM LIFE GRP63967 GOVERNMENT PERSONNEL MUT LIFE INS CO Life67059 GPM HLTH & LIFE INS CO Life

4716 Group Name:Group Code: FORTRESS GRP41211 TRITON INS CO Property60518 AMERICAN HLTH & LIFE INS CO Life65951 MERIT LIFE INS CO Life

© 2017 National Association of Insurance Commissioners 334

Accident and Health Policy Experience Exhibit Group Index

4718 Group Name:Group Code: TIPTREE FIN GRP10051 LYNDON SOUTHERN INS CO Property10970 RESPONSE IND CO OF CA Property11162 INSURANCE CO OF THE SOUTH Property60242 SOUTHERN FINANCIAL LIFE INS CO Life61298 BANKERS LIFE OF LA Life97691 LIFE OF THE SOUTH INS CO Life

4719 Group Name:Group Code: AMFIRST HOLDINGS GRP60250 AMFIRST INS CO Health69353 TEACHERS PROTECTIVE MUT LIFE INS CO Life81442 MONITOR LIFE INS CO OF NY Life

4725 Group Name:Group Code: ENSTAR GRP93777 PAVONIA LIFE INS CO OF MI Life

4727 Group Name:Group Code: WARRIOR INVICTUS HOLDING CO GRP81108 UNITED SECURITY HLTH & CAS INS CO Property

4729 Group Name:Group Code: CORVESTA GRP55611 DELTA DENTAL OF VA Health78301 CORVESTA LIFE INS CO Life

4730 Group Name:Group Code: MCNA GRP14063 MCNA INS CO Health

4731 Group Name:Group Code: HARBINGER GRP63274 FIDELITY & GUAR LIFE INS CO Life

4732 Group Name:Group Code: MIDWEST HOLDING GRP61573 CAPITAL RESERVE LIFE INS CO Life67253 AMERICAN LIFE & SECURITY CORP Life

4734 Group Name:Group Code: ATHENE GRP61492 ATHENE ANNUITY & LIFE ASSUR CO Life61689 ATHENE ANN & LIFE CO Life63932 ATHENE LIFE INS CO OF NY Life68039 ATHENE ANN & LIFE ASSUR CO OF NY Life

4736 Group Name:Group Code: GGC GRP62359 CONSTITUTION LIFE INS CO Life67814 PHOENIX LIFE INS CO Life68284 PYRAMID LIFE INS CO Life71455 FINANCIAL AMER LIFE INS CO Life

4740 Group Name:Group Code: HEALTH FIRST GRP14140 HEALTH FIRST INS INC Health15880 HEALTH FIRST HLTH PLANS INC Health15882 HEALTH FIRST COMMERCIAL PLANS INC Health

4741 Group Name:Group Code: FALLON GRP66828 FALLON HLTH & LIFE ASSUR CO Health95541 FALLON COMM HLTH PLAN INC Health

4742 Group Name:Group Code: TUFTS GRP14131 TUFTS HLTH PUBLIC PLANS INC Health15737 TUFTS HLTH FREEDOM INS CO Health60117 TUFTS INS CO INC Health95688 TUFTS ASSOCIATED HLTH MAINTENANCE OR Health

4744 Group Name:Group Code: L S S GRP14119 ACCESSCARE GEN LLC Health14158 ACCESSCARE GEN INC Health14343 ACCESSCARE GEN OK LLC Health

© 2017 National Association of Insurance Commissioners 335

Accident and Health Policy Experience Exhibit Group Index

4745 Group Name:Group Code: BCBS OF VT GRP53295 BCBS OF VT Health95696 THE VT HLTH PLAN LLC Health

4748 Group Name:Group Code: LEON HIX GRP11128 GREENVILLE CAS INS CO INC Property

4750 Group Name:Group Code: PRIMERICA GRP61409 NATIONAL BENEFIT LIFE INS CO Life65919 PRIMERICA LIFE INS CO Life

4752 Group Name:Group Code: FIRST TRINITY FIN GRP60227 TRINITY LIFE INS CO Life70742 FAMILY BENEFIT LIFE INS CO Life

4755 Group Name:Group Code: AMERICAS 1ST CHOICE GRP10119 FREEDOM HLTH INC Health12259 OPTIMUM HLTHCARE INC Health12910 AMERICAS 1ST CHOICE HLTH PLANS INC Health13044 AMERICAS 1ST CHOICE INS CO OF NC INC Health15544 AMERICAS 1ST CHOICE OF SC INC Health

4756 Group Name:Group Code: BAYSTATE HLTH GRP14198 HNE INS CO Health15521 HNE OF CT INC Health95673 HEALTH NEW ENGLAND INC Health

4759 Group Name:Group Code: TENET HEALTHCARE CORP GRP10160 PHOENIX HLTH PLANS INC Health11081 HARBOR HLTH PLAN INC Health12346 ALLEGIAN INS CO Health

4763 Group Name:Group Code: NORTHEAST DELTA DENTAL GRP13646 RED TREE INS CO INC Health14369 MAINE DENTAL SERV CORP Health47079 DELTA DENTAL PLAN OF NH Health53279 DELTA DENTAL PLAN OF VT Health

4764 Group Name:Group Code: RESERVOIR CAPITAL GRP60176 SBLI USA LIFE INS CO INC Life60183 S USA LIFE INS CO INC Life68845 SHENANDOAH LIFE INS CO Life

4774 Group Name:Group Code: CLOISTER MUT & WINDSOR MOUNT JOY18007 CLOISTER MUT CAS INS CO Property

4778 Group Name:Group Code: HEALTHFIRST INC GRP95284 HEALTHFIRST HLTH PLAN INC Health

4781 Group Name:Group Code: COLORADO ACCESS GRP15106 NEW HLTH VENTURES INC Health95733 COLORADO ACCESS Health

4783 Group Name:Group Code: VANTAGE HLTH GRP95584 VANTAGE HLTH PLAN INC Health

4788 Group Name:Group Code: PROVIDENCE HLTH GRP15203 PROVIDENCE HLTH ASSUR Health95005 PROVIDENCE HLTH PLAN Health

4791 Group Name:Group Code: RENOWN HLTH GRP48305 HOMETOWN HLTH PROVIDERS INS CO Health95350 HOMETOWN HLTH PLAN INC Health

4793 Group Name:Group Code: NORTH SHORE LIJ HLTH CARE GRP15309 NORTH SHORE LIJ CARECONNECT INS CO Health

© 2017 National Association of Insurance Commissioners 336

Accident and Health Policy Experience Exhibit Group Index

4794 Group Name:Group Code: DELAWARE LIFE HOLDING GRP72664 DELAWARE LIFE INS CO OF NY Life

4796 Group Name:Group Code: NATIONAL TEACHERS ASSOC LIFE GROU15320 NTA LIFE INS CO OF NEW YORK Life87963 NATIONAL TEACHERS ASSOC LIFE INS CO Life

4802 Group Name:Group Code: TRIPLE S GRP11152 TRIPLE S ADVANTAGE INC Health55816 TRIPLE S SALUD INC Health61158 TRIPLE S BLUE Life73814 TRIPLE S VIDA INC Life

4803 Group Name:Group Code: SHELTERPOINT GRP INC81434 SHELTERPOINT LIFE INS CO Life89958 SHELTERPOINT INS CO Life

4804 Group Name:Group Code: MULTINATIONAL GRP72087 MULTINATIONAL LIFE INS CO Life

4805 Group Name:Group Code: AULTMAN HLTH FOUNDATION GRP15461 AULTCARE HLTH INSURING CORP Health77216 AULTCARE INS CO Health

4807 Group Name:Group Code: CATHOLIC HLTH INITIATIVES GRP12909 SOUNDPATH HLTH Health15486 RIVERLINK HLTH OF KY INC Health15487 STABLEVIEW HLTH INC Health15488 HEARTLANDPLAINS HLTH Health15493 CLEARRIVER HLTH Health15499 RIVERLINK HLTH Health15751 QUALCHOICE ADVANTAGE INC Health15752 HARVESTPLAINS HLTH OF IA Health70998 QUALCHOICE LIFE & HLTH INS CO INC Health95448 QCA HLTH PLAN INC Health

4808 Group Name:Group Code: MEMORIAL HERMANN GRP10076 MEMORIAL HERMANN HLTH INS CO Health15489 MEMORIAL HERMANN HLTH PLAN INC Health

4811 Group Name:Group Code: MEDICAL ASSOCIATES GRP52559 MEDICAL ASSOC HLTH PLAN INC Health95782 MEDICAL ASSOC CLINIC HLTH PLAN OF WI Health

4813 Group Name:Group Code: EXPRESS SCRIPTS HOLDING GRP34720 MEDCO CONTAINMENT INS CO OF NY Health63762 MEDCO CONTAINMENT LIFE INS CO Health

4815 Group Name:Group Code: RESOLUTION LIFE GRP65595 LINCOLN BENEFIT LIFE CO Life

4816 Group Name:Group Code: PREMIER HLTH PARTNERS GRP15484 PREMIER HLTH PLAN INC Health15530 PREMIER HLTH INSURING CORP Health

4818 Group Name:Group Code: MULBERRY HLTH GRP15281 OSCAR INS CORP Health15585 OSCAR INS CORP OF NJ Health15777 OSCAR INS CO OF TX Health

4819 Group Name:Group Code: PREFERRED INS GRP14080 PREFERRED INS SERV INC Health15595 PREFERRED INS AFFIL INC Health

4822 Group Name:Group Code: SENIORDENT GRP13211 SENIORDENT DENTAL PLAN INC Health

© 2017 National Association of Insurance Commissioners 337

Accident and Health Policy Experience Exhibit Group Index

4824 Group Name:Group Code: ADVANTAGE CAPITAL GRP61115 ATLANTIC COAST LIFE INS CO Life68802 SENTINEL SECURITY LIFE INS CO Life71471 ABILITY INS CO Life

4826 Group Name:Group Code: ECG GRP71390 PURITAN LIFE INS CO OF AMER Life

4827 Group Name:Group Code: SOUTHLAND NATL HOLDING GRP79057 SOUTHLAND NATL INS CORP Life81043 BANKERS LIFE INS CO Life84786 COLORADO BANKERS LIFE INS CO Life

4828 Group Name:Group Code: CHILDRENS HLTH SYSTEM OF TX GRP15485 CHILDRENS MEDICAL CENTER HLTH PLAN Health

4830 Group Name:Group Code: UNITED INS HOLDINGS GRP14311 INTERBORO INS CO Property

4831 Group Name:Group Code: HEALTHSPAN PARTNERS GRP15284 HEALTHSPAN INC Health95204 HEALTHSPAN INTEGRATED CARE Health

4832 Group Name:Group Code: VOYA FINANCIAL GRP61360 RELIASTAR LIFE INS CO OF NY Life66109 MIDWESTERN UNITED LIFE INS CO Life67105 RELIASTAR LIFE INS CO Life68713 SECURITY LIFE OF DENVER INS CO Life80942 VOYA INS & ANN CO Life86509 VOYA RETIREMENT INS & ANN CO Life

4833 Group Name:Group Code: AHF GRP12973 AIDS HLTHCARE FOUND MCO OF FL INC Health

4835 Group Name:Group Code: KILPATRICK LIFE GRP74918 KILPATRICK LIFE INS CO Life

4836 Group Name:Group Code: JEFFERSON NATIONAL GRP64017 JEFFERSON NATL LIFE INS CO Life

4842 Group Name:Group Code: PROVIDER PARTNERS HLTH GRP15719 PROVIDER PARTNERS HLTH PLAN INC Health

4843 Group Name:Group Code: FAMILY HLTH NETWORK GRP15209 COMMUNITY CARE ALLIANCE OF IL NFP Health15774 FAMILY HLTH NETWORK INC Health

4845 Group Name:Group Code: PIEDMONT COMM HLTH GRP15791 PIEDMONT COMM HLTHCARE HMO INC Health95811 PIEDMONT COMM HLTHCARE INC Health

4847 Group Name:Group Code: CRYSTAL RUN HLTH GRP15677 CRYSTAL RUN HLTH INS CO INC Health15797 CRYSTAL RUN HEALTH PLAN LLC Health

4853 Group Name:Group Code: AAA LIFE GRP71854 AAA LIFE INS CO Life

4854 Group Name:Group Code: UMMS HLTH PLAN GRP15528 UNIVERSITY OF MD HLTH ADVANTAGE INC Health

4855 Group Name:Group Code: SUMITOMO LIFE INS GRP68608 SYMETRA LIFE INS CO Life78417 FIRST SYMETRA NATL LIFE INS CO OF NY Life

4858 Group Name:Group Code: BCBS OF NE GRP77780 BCBS OF NE Health

© 2017 National Association of Insurance Commissioners 338

Accident and Health Policy Experience Exhibit Group Index

4859 Group Name:Group Code: ASCENSION HLTH GRP95240 SETON HLTH PLAN INC Health

4862 Group Name:Group Code: ASSURITY GRP71439 ASSURITY LIFE INS CO Life

4863 Group Name:Group Code: CHINA MINSHENG GRP38776 SIRIUS AMER INS CO Property

4866 Group Name:Group Code: SOLSTICE GRP12341 SOLSTICE BENEFITS INC Health13971 SOLSTICE HEALTH INS CO Health

4870 Group Name:Group Code: UNIVERSITY HLTH CARE & GUNDERSEN14202 GUNDERSEN HLTH PLAN MN Health95101 GUNDERSEN HLTH PLAN INC Health95796 UNITY HLTH PLANS INS CORP Health

4881 Group Name:Group Code: M MELE GRP11195 DENTAL DELIVERY SYSTEMS INC Health28231 FIDELIO INS CO Health

4883 Group Name:Group Code: SOBC HOLDING LTD GRP11977 NORTHWESTERN NATL INS CO SEG ACCNT Property

4894 Group Name:Group Code: INDEPENDENT HLTH ASSN GRP47034 INDEPENDENT HLTH BENEFITS CORP Health95308 INDEPENDENT HLTH ASSN Health

© 2017 National Association of Insurance Commissioners 339

Accident and Health Policy Experience Report for

Individual Company Index

Fraternal56499 ASSURED LIFE ASSN56030 CATHOLIC FINANCIAL LIFE57770 CATHOLIC HOLY FAMILY SOCIETY57487 CATHOLIC ORDER OF FORESTERS56634 CROATIAN FRATERNAL UNION OF AMER56138 CSA FRATERNAL LIFE56049 EMPLOYES MUT BENEFIT ASSN56693 GCU56154 GLEANER LIFE INS SOCIETY58068 INDEPENDENT ORDER OF FORESTERS US BR58033 KNIGHTS OF COLUMBUS56227 KSKJ LIFE AMER SLOVENIAN CATHOLIC UN56758 LOYAL CHRISTIAN BENEFIT ASSN57541 MODERN WOODMEN OF AMER56073 NATIONAL MUT BENEFIT56383 ORDER OF UNITED COMMERCIAL TRAVELERS58009 POLICE & FIREMENS INS ASSN56820 POLISH FALCONS OF AMER57657 ROYAL NEIGHBORS OF AMER57673 SLOVENE NATL BENEFIT SOCIETY57142 SONS OF NORWAY57436 SPJST56006 TRAVELERS PROTECTIVE ASSN OF AMER57215 UKRAINIAN NATL ASSN INC56456 UNITED STATES LETTER CARRIERS MUT BE56413 UNITED TRANSPORTATION UNION INS ASSN57711 WESTERN CATHOLIC UNION57320 WOODMEN WORLD LIFE INS SOC

Health52568 ADVANTAGE HLTH SOLUTIONS INC15146 ADVICARE CORP12253 ALLCARE HLTH PLAN INC11256 ALLIANT HLTH PLANS INC95853 ALOHA CARE52041 AMERICAN DENTAL PLAN OF WI INC15135 ARKANSAS SUPERIOR SELECT INC11217 ATLANTIC SOUTHERN DENTAL FOUND10123 ATRIO HLTH PLANS INC95839 AVERA HLTH PLANS INC95263 AVMED INC95071 BAPTIST HLTH PLAN INC53589 BCBS OF AZ INC53473 BCBS OF RI53767 BCBS OF WY13203 BOSTON MEDICAL CENTER HLTH PLAN INC81647 BUPA INS CO15143 CARE 1ST HEALTH PLAN13151 CARE N CARE INS CO INC15685 CARE N CARE INS CO OF NC12248 CARE WI HLTH PLAN INC13628 CARILION CLINIC MEDICARE RESOURCES L13739 CHILDRENS COMM HLTH PLAN INC14154 CHRISTUS HLTH PLAN95774 COLORADO CHOICE HLTH PLAN

© 2017 National Association of Insurance Commissioners 340

Accident and Health Policy Experience Exhibit Company Index

Health55875 COLORADO DENTAL SERV INC47047 COLUMBIA UNITED PROVIDERS INC15061 COMMON GROUND HLTHCARE COOP10756 COMMUNITY CARE HLTH PLAN INC95615 COMMUNITY HLTH CHOICE INC47049 COMMUNITY HLTH PLAN OF WA15732 COMMUNITYCARE GOVERNMENT PROGRAMS IN15238 COMPREHENSIVE MOBILE INS AZ INC15360 COMPREHENSIVE MOBILE PLAN UT INC15125 CONSTELLATION HLTH LLC95822 COOK CHILDRENS HLTH PLAN12858 CRESTPOINT HLTH INS CO95748 DC CHARTERED HLTH PLAN INC55034 DELTA DENTAL OF MN53937 DELTA DENTAL OF OK47341 DELTA DENTAL OF WA47155 DELTA DENTAL PLAN OF AR INC54097 DELTA DENTAL PLAN OF SD15200 DELTA DENTAL PLAN OF WY47074 DENTA CHEK OF MD INC96265 DENTAL CARE PLUS INC47490 DENTAL HLTH SERV12213 DENTAL PRACTICE ASSN OF NJ INC47112 DENTCARE DELIVERY SYSTEMS INC95750 DENVER HLTH MEDICAL PLAN INC95809 DRISCOLL CHILDRENS HLTH PLAN52635 EL PASO FIRST HLTH PLANS INC95662 ELDERPLAN INC53090 EMPLOYERS DENTAL SERV12747 ENVISION INS CO11699 ESSENCE HLTHCARE INC47084 FAMILYCARE HLTH PLANS INC47051 FIRST COMM HLTH PLAN INC12962 FIRSTCAROLINACARE INS CO INC15634 FLORIDA HLTH SOLUTION HMO CO13564 FREELANCERS INS CO INC13667 GLOBALHEALTH INC11113 GOLDEN DENTAL PLANS INC95453 GRAND VALLEY HLTH PLAN INC95192 GROUP HLTH COOP OF EAU CLAIRE95311 GROUP HLTH COOP OF S CENTRAL WI49948 HAWAII MEDICAL SERV ASSN48330 HAWAII MGMT ALLIANCE ASSN15081 HEALTH CHOICE INS CO14481 HEALTH CHOICE UTAH INC13992 HEALTH INS CO OF AMER INC55204 HEALTH NOW NY INC95066 HEALTH PARTNERS PLANS INC12277 HEALTH PLAN OF CAREOREGON INC15114 HEALTH REPUBLIC INS CO96687 HEALTH RESOURCES INC10122 HEALTH SUN HLTH PLANS96628 HEALTH TRADITION HLTH PLAN13035 HEALTHFIRST HEALTHPLAN OF NJ INC95827 HEALTHY PALM BEACHES INC11204 HERITAGE VISION PLANS INC27952 HOOSIER MOTOR MUT INS CO15700 HOPKINS HLTH ADVANTAGE INC

© 2017 National Association of Insurance Commissioners 341

Accident and Health Policy Experience Exhibit Company Index

Health15743 HSA HLTH INS CO10153 INTOTAL HLTH LLC12827 KS PLAN ADMINISTRATORS LLC66753 LIBERTY UNION LIFE ASSUR CO95808 LOVELACE SANDIA HLTH SYSTEMS INC61018 MAGNA INS CO15077 MAINE COMM HLTH OPTIONS15850 MARTINS POINT GENERATIONS ADVANTAGE95982 MEDISUN INC14227 MEDSTAR FAMILY CHOICE15010 MINUTEMAN HLTH INC14933 MONTANA HLTH COOPERATIVE12844 NATIONAL DENTAL CARE INC11109 NEIGHBORHOOD HLTH PLAN INC95402 NEIGHBORHOOD HLTH PLAN OF RI INC13813 NEVADA DENTAL BENEFITS LTD15011 NEW MEXICO HLTH CONNECTIONS95829 NEW W HLTH SERV15094 NEXDENT DENTAL PLANS INC55891 NORIDIAN MUT INS CO12284 OKLAHOMA SUPERIOR SELECT INC12533 OPTICARE OF UT95414 PARKLAND COMM HLTH PLAN INC13607 PEOPLES HLTH INC95341 PHYSICIANS PLUS INS CORP15009 PIEDMONT WELLSTAR HLTH PLANS INC12619 PIONEER EDUCATORS HLTH TRUST13208 PRE PAID DENTAL SERV INC95224 PREMIER CHOICE DENTAL INC55271 PUPIL BENEFITS PLAN INC95743 RYDER HLTH PLAN INC12257 SAMARITAN HLTH PLANS INC96881 SECURITY HLTH PLAN OF WI INC14151 SENDERO HLTH PLANS INC12776 SENIOR WHOLE HLTH OF NY INC47012 SIGHTCARE INC96598 SOUTH DAKOTA STATE MED HOLDING CO95812 SOUTHEASTERN IN HLTH ORG INC11093 TAKECARE INS CO INC95329 TEXAS CHILDRENS HLTH PLAN INC12239 TIMBER PRODUCTS MANUFACTURERS TRUST12970 TOUCHSTONE HLTH HMO INC12834 TRILOGY HLTH INS INC14225 TRUSTED HLTH PLAN DC INC14243 ULTIMATE HLTH PLANS INC52553 UNION HLTH SERV INC47953 UNIVERSITY HLTH ALLIANCE52621 UNIVERSITY HLTH CARE INC15648 UNIVERSITY OF UT HLTH PLANS52615 UPPER PENINSULA HLTH PLAN LLC97772 US HLTH & LIFE INS CO INC95764 UTMB HLTH PLANS INC95313 VISTA HLTH PLAN INC95322 VIVA HLTH INC12867 VOLUNTARY EMPLOYEES BENEFIT ASSN OF12339 WESTERN GROCERS EMPLOYEE BENEFIT TRU68420 WMI MUT INS CO15578 ZOOMCARE HLTH PLAN INC

© 2017 National Association of Insurance Commissioners 342

Accident and Health Policy Experience Exhibit Company Index

Life77879 5 STAR LIFE INS CO60208 AMALGAMATED LIFE & HLTH INS CO60216 AMALGAMATED LIFE INS CO69337 AMERICAN FIN SECURITY LIFE INS CO60542 AMERICAN HOME LIFE INS CO88820 AMERICAN INTEGRITY LIFE INS CO89427 AMERICAN LABOR LIFE INS CO86118 ARKANSAS BANKERS LIFE INS CO61212 BALTIMORE LIFE INS CO90638 BEST LIFE & HLTH INS CO63886 BEST MERIDIAN INS CO83968 CITIZENS FIDELITY INS CO61921 CITIZENS SECURITY LIFE INS CO81426 COMMERCIAL TRAVELERS MUT INS CO71404 CONTINENTAL GEN INS CO79715 COOPERATIVA DE SEGUROS DE VIDA14188 DAKOTA CAPITAL LIFE INS CO16074 ELAN SOLUTIONS INC62928 EMC NATL LIFE CO62952 EQUITABLE LIFE & CAS INS CO63223 FEDERAL LIFE INS CO63290 FIDELITY LIFE ASSN A LEGAL RESERVE L74233 FIRST NATL LIFE INS CO OF USA63495 FORESTERS LIFE INS ANN CO64238 GUARANTY INCOME LIFE INS CO66214 HEARTLAND NATL LIFE INS CO64394 HERITAGE LIFE INS CO64580 ILLINOIS MUT LIFE INS CO81779 INDIVIDUAL ASSUR CO LIFE HLTH & ACC64904 INVESTORS HERITAGE LIFE INS CO94790 JEFFERSON LIFE INS CO74799 LEADERS LIFE INS CO85677 LIFE ASSUR CO INC65412 LIFE INS CO OF AL75094 LIFE INS CO OF LA65927 LINCOLN HERITAGE LIFE INS CO87394 MARQUETTE IND & LIFE INS CO74322 MEDICAL BENEFITS MUT LIFE INS CO80020 MOUNTAIN LIFE INS CO88668 MUTUAL OF AMER LIFE INS CO86959 NATIONAL FAMILY CARE LIFE INS CO66850 NATIONAL WESTERN LIFE INS CO60246 NETCARE LIFE & HLTH INS CO81264 NIPPON LIFE INS CO OF AMER67032 NORTH CAROLINA MUT LIFE INS CO67326 OLD SURETY LIFE INS CO67393 OZARK NATL LIFE INS CO68551 ROYAL STATE NATL INS CO LTD60445 SAGICOR LIFE INS CO68772 SECURITY MUT LIFE INS CO OF NY76325 SENIOR HLTH INS CO OF PA78662 SENIOR LIFE INS CO68896 SOUTHERN FARM BUREAU LIFE INS CO71706 STANDARD LIFE & CAS INS CO69132 STATE MUT INS CO89184 STERLING INVESTORS LIFE INS CO69329 SURETY LIFE & CAS INS CO

© 2017 National Association of Insurance Commissioners 343

Accident and Health Policy Experience Exhibit Company Index

Life69310 SURETY LIFE INS CO99538 SWBC LIFE INS CO77674 TOWN & COUNTRY LIFE INS CO69523 TRANS OCEANIC LIFE INS CO11121 UNIFIED LIFE INS CO42129 UNITED SECURITY ASSUR CO OF PA70122 UNIVERSAL FIDELITY LIFE INS CO70130 UNIVERSAL GUAR LIFE INS CO14165 US ALLIANCE LIFE & SECURITY CO72273 WEA INS CORP

Property11711 ACCESS INS CO13293 AMALGAMATED CAS INS CO27928 AMEX ASSUR CO11558 ASSURANCEAMERICA INS CO37540 BEAZLEY INS CO INC41394 BENCHMARK INS CO34568 CENTENNIAL CAS CO10917 CENTURY CAS CO10642 CHEROKEE INS CO35483 DAILY UNDERWRITERS OF AMER88625 FIDUCIARY INS CO OF AMER12982 GREAT PLAINS CAS INC10922 INSUREMAX INS CO31658 ISLAND HOME INS CO30155 NATIONAL INS CO OF WI INS12471 RETAILERS INS CO10974 ROOT INS CO23132 RVI AMER INS CO32727 UNDERWRITERS AT LLOYDS15642 UNDERWRITERS AT LLOYD'S LONDON

© 2017 National Association of Insurance Commissioners 344