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2018 Accident and Health Policy Experience Report 2019

2018 Accident and Health Policy Experience Report · Health Policy Experience Exhibit, market share data based on this exhibit, and more. The health insurance market is , with a varieexpansivety

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Page 1: 2018 Accident and Health Policy Experience Report · Health Policy Experience Exhibit, market share data based on this exhibit, and more. The health insurance market is , with a varieexpansivety

2018 Accident and Health Policy Experience Report

2019

Page 2: 2018 Accident and Health Policy Experience Report · Health Policy Experience Exhibit, market share data based on this exhibit, and more. The health insurance market is , with a varieexpansivety

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:

Special Studies Studies, reports, handbooks and regulatory research conducted by NAIC members on a variety of insurance related topics.

Statistical Reports Valuable and in-demand insurance industry-wide statistical data for various lines of business, including auto, home, health and life insurance.

Supplementary Products Guidance manuals, handbooks, surveys and research on a wide variety of issues.

Capital Markets & Investment Analysis Information regarding portfolio values and procedures for complying with NAIC reporting requirements.

White Papers Relevant studies, guidance and NAIC policy positions on a variety of insurance topics.

Accounting & Reporting Information about statutory accounting principles and the procedures necessary for filing financial annual statements and conducting risk-based capital calculations.

Consumer Information Important answers to common questions about auto, home, health and life insurance — as well as buyer’s guides on annuities, long-term care insurance and Medicare supplement plans.

Financial Regulation Useful handbooks, compliance guides and reports on financial analysis, company licensing, state audit requirements and receiverships.

Legal Comprehensive collection of NAIC model laws, regulations and guidelines; state laws on insurance topics; and other regulatory guidance on antifraud and consumer privacy.

Market Regulation Regulatory and industry guidance on market-related issues, including antifraud, product fi ling requirements, producer licensing and market analysis.

NAIC Activities NAIC member directories, in-depth reporting of state regulatory activities and official historical records of NAIC national meetings and other activities.

For more information about NAIC publications, visit us at:

http://www.naic.org//prod_serv_home.htm

© 2019 National Association of Insurance Commissioners. All rights reserved.

ISBN: 978-1-64179-024-6

Printed in the United States of America

No part of this book may be reproduced, stored in a retrieval system, or transmitted in any form or by any means, electronic or mechanical, including photocopying, recording, or any storage or retrieval system, without written permission from the NAIC.

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NAIC Capital Markets & Investment Analysis Office One New York Plaza, Suite 4210 New York, NY 10004 212.398.9000

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2018 Accident and Health Policy Experience Report

TABLE OF CONTENTS

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

Report Format ..................................................................................................................................1 Aggregation and Calculation of Data ..............................................................................................3 Definitions........................................................................................................................................3 Qualifications ...................................................................................................................................7 Accident and Health Policy Experience 2014-2018 ........................................................................9 Figure 1: Grand Total of Number of Policies or Certificates 2014-2018 ......................................11 Figure 2: Grand Total of Number of Covered Lives 2014-2018 ...................................................12

AGGREGATED ANNUAL STATEMENT DATA ..................................................................13

Annual Statement Data for All Statement Types ...........................................................................15 Annual Statement Data by Statement Type ...................................................................................19

INDIVIDUAL BUSINESS ..........................................................................................................37

Market Share for the Top 125 Insurers ..........................................................................................39 Top 25 Groups by Company ..........................................................................................................45 Market Share by Statement Type ...................................................................................................61 Market Share by Line of Business .................................................................................................75

GROUP BUSINESS ...................................................................................................................133

Market Share for the Top 125 Insurers ........................................................................................135 Top 25 Groups by Company ........................................................................................................141 Market Share by Statement Type .................................................................................................155 Market Share by Line of Business ...............................................................................................169

OTHER BUSINESS ...................................................................................................................223

Market Share for the Top 125 Insurers ........................................................................................225 Top 25 Groups by Company ........................................................................................................231 Market Share by Statement Type .................................................................................................239 Market Share by Line of Business ...............................................................................................249 Market Share for Total Non-U.S. Policy Forms ..........................................................................256

GRAND TOTAL (INDIVIDUAL, GROUP, AND OTHER) BUSINESS .............................257

Market Share for the Top 125 Insurers ........................................................................................259 Top 25 Groups by Company ........................................................................................................265 Market Share by Statement Type .................................................................................................285

TECHNICAL NOTES ...............................................................................................................299

COMPANY INDEX ...................................................................................................................303

© 2019 National Association of Insurance Commissioners

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© 2019 National Association of Insurance Commissioners

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2018 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 (DOI), some companies are required to file with the California Department of Managed Health Care (DMHC). 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 is 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 (P/C) companies also may provide accident and health coverage in addition to other lines of business. Some companies write primarily accident and health insurance, even if they are licensed as life, fraternal or property/casualty (P/C) entities. Therefore, the Accident and Health Policy Experience Exhibit appears in all major NAIC financial annual statement blanks (P/C, 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 (P/C, 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.

© 2019 National Association of Insurance Commissioners 1

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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 P/C, 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.

© 2019 National Association of Insurance Commissioners 2

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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. This data is maintained in NAIC databases and is available for additional application development. This data also is available for purchase by the public.

Aggregation and Calculation of Data

This report uses 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 is 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, definitions have been provided.

For more definitions commonly used in the insurance industry please see the Glossary of Insurance Terms accessible from the NAIC Research and Actuarial Department webpage.

Accident Only or AD&D: Policies that provide coverage, singly or in combination, for death, dismemberment, disability, or hospital and medical care caused by or necessitated as a result of accident or specified kinds of accidents. Types of coverage include student accident, sports accident, travel accident, blanket accident, specific accident or accidental death and dismemberment (AD&D).

Administrative Services Only (ASO) and Administrative Services Contract (ASC): An uninsured accident and health plan is where an administrator performs administrative services for a third party that is at risk, but has not issued an insurance policy. The health plan bears all of the insurance risk, and there is no possibility of loss or liability to the administrator caused by claims incurred related to the plan. Under an ASO plan, claims are paid from a bank account owned and funded directly by the uninsured plan sponsor; or, claims are paid from a bank account owned by the administrator, but only after receiving funds from the plan sponsor that are adequate to fully cover the claim payments. Under an ASC plan, the administrator pays claims from its own bank accounts, and only subsequently receives reimbursement from the plan sponsor.

© 2019 National Association of Insurance Commissioners 3

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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 (FEHB) 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 as well as any other coverage described in the other categories of this exhibit.

Group business is further segmented under this category as follows (please note there is a separate category for Administrative Services Only/Administrative Services Contract business):

Single Employer: Group policies issued to one employer for the benefit of its employees. This would include affiliated companies that have common ownership.

Small Employer: Group policies issued to single employers that are subject to the definition of Small Employer business, when so defined, in the group’s state of situs.

Other Employer: Group policies issued to single employers that are not defined as Small Employer business.

Multiple Employer Associations and Trusts: Group policies that are issued to an association or to a trust. This category also includes policies issued to one or more trustees of a fund established or adopted by two or more employers, or by one or more labor unions or similar employee organizations. The organizations include those that are exempt and also those that are non-exempt from statewide community rating. This category does not exclude policies providing coverage to employees of small employers, as defined in the employer’s state of situs.

Other Associations and Discretionary:

Trusts: Group policies issued to associations and trusts that are not included in the Small Employer, Other Employer or Multiple Employer Associations and Trusts group categories. This category does not exclude insurance providing coverage to employees of small employers, as defined in the employer’s state of situs. This category does include blanket and franchise accident and sickness insurance, and insurance for any group that includes members other than employees, such as an association that has both employees of participating employers and also individuals as members.

Other Comprehensive/Major Medical: Group policies providing comprehensive or major medical benefits that are not included in any of the categories listed above.

© 2019 National Association of Insurance Commissioners 4

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Contract Reserves: Reserves set up when, due to the gross premium structure, the future benefits exceed the future net premium. Contract reserves are in addition to claim and premium reserves.

Credit: Individual or group policies that provide benefits to a debtor for full or partial repayment of debt associated with a specific loan or other credit transaction upon disability or involuntary unemployment of debtor, except in connection with first mortgage loans. In some states, involuntary unemployment credit insurance is not included in health insurance. This category should not include that type of credit insurance in those states.

Dental: Policies providing only dental treatment benefits such as routine dental examinations, preventive dental work, and dental procedures needed to treat tooth decay and diseases of the teeth and jaw. If dental benefits are part of a comprehensive medical plan, then include data under comprehensive/major medical category.

Disability Income – Long-Term: Policies that provide a weekly or monthly income benefit for more than five years for individual coverage and more than one year for group coverage for full or partial disability arising from accident and/or sickness. Include policies that provide Overhead Expense Benefits. Does not include credit disability.

Disability Income – Short-Term: Policies that provide a weekly or monthly income benefit for up to five years for individual coverage and up to one year for group coverage for full or partial disability arising from accident and/or sickness. Include policies that provide Overhead Expense Benefits. Does not include credit disability.

Federal Employees Health Benefits Program (FEHBP): Coverage provided to Federal employees, retirees and their survivors and administered by the Office of Personnel Management.

Group Business: Health insurance where the policy issued to employers, associations, trusts, or other groups covering employees or 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 covering the individual and/or their dependents in the individual market. This includes conversions from group policies.

Limited Benefit: Policies that provide coverage for vision, prescription drug, and/or any other single service plan or program. Also include short-term care policies that provide coverage for less than one year for medical and other services provided in a setting other than an acute care unit of the hospital.

Long-Term Care: Policies that provide coverage for not less than one year for diagnostic, preventive, therapeutic, rehabilitative, maintenance, or personal care services provided in a setting other than an acute care unit of a hospital, including policies that provide benefits for cognitive impairment or loss of functional capacity. This includes policies providing only

© 2019 National Association of Insurance Commissioners 5

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nursing home care, home health care, community based care, or any combination. Do not include coverage provided under comprehensive/major medical policies, Medicare Advantage, or for accelerated death benefit-type products.

Medicaid: Policies issued in association with the Federal/State entitlement program created by Title XIX of the Social Security Act of 1965 that pays for medical assistance for certain individuals and families with low incomes and resources.

Medicare: Policies issued as Medicare Advantage Plans providing Medicare benefits to Medicare eligible beneficiaries created by Title XVIII of the Social Security Act of 1965. This includes Medicare Managed Care Plans (i.e., HMO and PPO) and Medicare Private Fee-for-Service Plans. This also includes all Medicare Part D Prescription Drug Coverage through a Medicare Advantage product and whether sold directly to an individual or through a group.

Medicare Part D – Stand-Alone: Stand-alone Part D coverage written through individual contracts; stand-alone Part D coverage written through group contracts and certificates; and Part D coverage written on employer groups where the reporting entity is responsible for reporting claims to the Centers for Medicare & Medicaid Services (CMS).

Medicare Supplement: Policies that qualify as Medicare Supplement policy forms as defined in the NAIC Medicare Supplement Insurance Minimum Standards Model Act. This includes standardized plans, pre-standardized plans and Medicare select.

Other Business: Any business that is not included in the Individual Business or Group Business listed above, including credit insurance, stop loss/excess loss, administrative services only and administrative services contract.

Other Group Business: Group policies providing health insurance benefits that are not included in any other group business category of this exhibit should be reported as other group business.

Other Individual Business: Individual policies providing health insurance benefits that are not included in any other individual business category of this exhibit should be reported as other individual business.

Other Medical (Non-Comprehensive): Policies such as hospital only, hospital confinement, surgical, outpatient indemnity, intensive care, mental health/substance abuse, and organ and tissue transplant (including scheduled type policies), etc. Expense reimbursement and indemnity plans should be included. This category does not include TRICARE/CHAMPUS Supplement, Medicare Supplement, or Federal Employee Health Benefit Program coverage.

Short-Term Medical: Policies that provide major medical coverage for a short period of time, typically 30 to 180 days. These policies may be renewable for multiple periods.

Specified/Named Disease: Policies that provide benefits only for the diagnosis and/or treatment of a specifically named disease or diseases. Benefits can be paid as expense incurred, per diem or as a principal sum.

© 2019 National Association of Insurance Commissioners 6

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State Children’s Health Insurance Program: Policies issued in association with the Federal/State partnership created by Title XXI of the Social Security Act.

Stop Loss/Excess Loss: Individual or group policies providing coverage to a health plan, a self-insured employer plan, or a medical provider providing coverage to insure against the risk that any one claim or an entire plan’s losses will exceed a specified dollar amount.

Student: Policies that cover students for both accident and health benefits while they are enrolled and attending school or college. These can be either individual policies or group policies sponsored by the school or college.

TRICARE: Policies issued in association with the Department of Defense’s health care program for active-duty military, active-duty service families, retirees and their families, and other beneficiaries.

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.

© 2019 National Association of Insurance Commissioners 7

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© 2019 National Association of Insurance Commissioners 8

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PREMIUMS EARNEDINCURRED CLAIMS

AMOUNTCHANGE IN CONTRACT

RESERVESLOSS

RATIO

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%

2017 $ 481,472,012,992 $ 405,927,072,059 $ 6,105,233,362 85.6%

2018 $ 525,761,532,261 $ 433,608,548,067 $ 7,809,225,987 84.0%

2014-2018 $ 447,165,759,010.20 $ 378,563,610,196.00 $ 7,487,210,228.60 86.3%

Grand Total Group Business

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%

2017 $ 344,980,585,283 $ 282,949,141,741 $ 1,455,265,915 82.4%

2018 $ 360,617,935,248 $ 293,415,703,205 $ 2,279,737,941 82.0%

2014-2018 $ 335,504,839,762.60 $ 274,649,051,664.00 $ 1,564,602,084.20 82.3%

Grand Total Other Business

2014 $ 13,374,504,961 $ 9,549,465,202 $ (1,512,106) 71.4%

$ 15,153,879,005 $ 11,032,090,530 $ 1,778,848 72.8%

$ 16,389,664,350 $ 12,593,473,423 $ 2,141,191 76.9%

$ 17,779,428,510 $ 13,638,321,951 $ 51,751,319 77.0%

$ 21,964,721,052 $ 17,209,533,751 $ 22,214,843 78.5%

2015

2016

2017

2018

2014-2018 $ 16,932,439,575.60 $ 12,804,576,971.40 $ 15,274,819.00 75.7%

2014 $ 690,240,170,017 $ 573,527,833,919 $ 9,894,696,568 84.5%

2015 $ 752,054,231,040 $ 632,754,487,370 $ 8,577,697,462 85.3%

2016 $ 803,144,575,339 $ 677,055,552,094 $ 9,139,612,262 85.4%

2017 $ 844,232,026,785 $ 702,514,535,751 $ 7,612,250,596 84.1%

2018 $ 908,344,188,561 $ 744,233,785,023 $ 10,111,178,771 83.0%

2014-2018 $ 799,603,038,348.40 $ 666,017,238,831.40 $ 9,067,087,131.80 84.4%

* Results may vary from prior-year reports due to new or revised filings.

**Grand Total (Individual, Group, and Other) Business includes U.S. and Non-U.S Policy Forms, i.e. Line D2 from the Accident and Health Policy Experience Exhibit.Loss Ratio = (Incurred Claims Amount + Change in Contract Reserves) / Premiums Earned

Grand Total Individual Business

Grand Total (Individual, Group, and Other) Business**

ACCIDENT AND HEALTH POLICY EXPERIENCECOUNTRYWIDE

2014-2018*

© 2019 National Association of Insurance Commissioners 9

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© 2019 National Association of Insurance Commissioners 10

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-

50

100

150

200

250

300

350

400

450

2014 2015 2016 2017 2018Total Per Year 387,885,909 408,073,603 425,474,218 419,983,921 411,007,461

Mil

lio

ns

Years

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

© 2019 National Association of Insurance Commissioners 11

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-

100

200

300

400

500

600

700

800

900

1,000

2014 2015 2016 2017 2018Total Per Year 805,501,558 846,227,928 909,324,206 895,476,163 937,053,460

Mil

lio

ns

Years

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

© 2019 National Association of Insurance Commissioners 12

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Accident and Health Policy Experience Report

Aggregated Annual Statement Data

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© 2019 National Association of Insurance Commissioners 14

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Aggregated 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

$15,133,413,7301.1 With contract reserves $11,044,072,071 )$(66,391,261 1,444,038 2,079,365 26,668,51272.54%$63,485,913,5251.2 Without contract reserves $46,077,289,827 )$(3,941,900 6,375,799 8,992,943 115,840,86372.57%$78,619,327,2551.3 Subtotal $57,121,361,899 )$(70,333,161 7,819,837 11,072,308 142,509,37572.57%

2. Short-Term Medical$28,629,9052.1 With contract reserves $16,505,126 )$(25,345 12,270 18,795 199,74457.56%$80,921,4342.2 Without contract reserves $73,600,711 $0 45,325 67,823 686,80290.95%

$109,551,3392.3 Subtotal $90,105,837 )$(25,345 57,595 86,618 886,54682.23%3. Other Medical (Non-Comprehensive)

$1,065,610,7373.1 With contract reserves $464,292,916 $78,199,234 2,541,194 4,161,020 47,806,33550.91%$167,283,2273.2 Without contract reserves $73,981,179 $891 136,197 191,048 1,849,14844.23%

$1,232,893,9633.3 Subtotal $538,274,096 $78,200,125 2,677,391 4,352,068 49,655,48350.00%4. Specified/Named Disease

$3,756,623,1744.1 With contract reserves $2,009,883,509 $267,563,977 7,674,312 13,700,302 156,844,47860.62%$201,434,6724.2 Without contract reserves $59,128,968 )$(39,359 318,142 461,649 4,893,74729.33%

$3,958,057,8464.3 Subtotal $2,069,012,477 $267,524,618 7,992,454 14,161,951 161,738,22559.03%5. Limited Benefit

$217,381,7765.1 With contract reserves $95,800,439 $14,283,913 603,716 712,215 7,956,72650.64%$5,780,889,2845.2 Without contract reserves $5,154,051,333 $0 771,763 985,191 11,133,76189.16%$5,998,271,0605.3 Subtotal $5,249,851,772 $14,283,913 1,375,479 1,697,406 19,090,48787.76%

6. Student$5,418,3236.1 With contract reserves $2,301,469 $0 13,307 13,307 159,68442.48%

$186,236,8856.2 Without contract reserves $220,988,385 $0 90,617 91,823 1,066,647118.66%$191,655,2086.3 Subtotal $223,289,854 $0 103,924 105,130 1,226,331116.51%

7. Accident Only or AD&D$2,544,025,2097.1 With contract reserves $910,997,990 $86,916,042 9,652,801 14,545,020 158,850,30839.23%

$546,367,6387.2 Without contract reserves $318,975,779 $771,462 1,882,217 2,051,784 23,329,55358.52%$3,090,392,8487.3 Subtotal $1,229,973,769 $87,687,504 11,535,018 16,596,804 182,179,86142.64%

8. Disability Income - Short-Term$2,317,882,9608.1 With contract reserves $1,050,750,751 )$(72,153,034 3,237,213 3,277,649 37,837,90942.22%

$200,903,1018.2 Without contract reserves $93,639,536 $206,463 311,778 701,669 6,812,29446.71%$2,518,786,0618.3 Subtotal $1,144,390,287 )$(71,946,571 3,548,991 3,979,318 44,650,20342.58%

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

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018aggregated 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

$4,887,328,9859.1 With contract reserves $3,868,902,626 )$(201,742,790 2,957,888 2,910,081 35,332,17575.03%$26,610,5509.2 Without contract reserves $26,774,846 )$(190,819 18,925 18,940 205,62099.90%

$4,913,939,5359.3 Subtotal $3,895,677,472 )$(201,933,609 2,976,813 2,929,021 35,537,79575.17%10. Long-Term Care

$9,787,841,16310.1 With contract reserves $11,587,316,762 $7,603,226,456 4,157,494 4,582,978 50,807,484196.07%$589,366,55210.2 Without contract reserves $513,078,990 $2,692,606 39,149 39,151 330,35287.51%

$10,377,207,71410.3 Subtotal $12,100,395,754 $7,605,919,062 4,196,643 4,622,129 51,137,836189.90%11. Medicare Supplement (Medigap)

$11,253,967,35311.1 With contract reserves $8,739,667,831 $145,222,248 4,826,333 4,831,782 57,749,96278.95%$12,662,198,93211.2 Without contract reserves $10,024,614,003 )$(119,217 5,501,547 5,506,682 63,898,43079.17%$23,916,166,28411.3 Subtotal $18,764,281,833 $145,103,031 10,327,880 10,338,464 121,648,39279.07%

12. Dental$1,483,825,03812.1 With contract reserves $1,075,036,919 $8,706,489 4,704,753 5,088,360 59,908,16573.04%$1,608,917,03312.2 Without contract reserves $1,001,617,784 $1,103 3,230,133 4,501,688 53,358,44562.25%$3,092,742,07112.3 Subtotal $2,076,654,703 $8,707,592 7,934,886 9,590,048 113,266,61067.43%

13. State Children's Health Insurance Program$282,173,29613.1 With contract reserves $276,072,396 $0 150,774 150,774 1,789,37897.84%

$2,690,732,18713.2 Without contract reserves $2,224,506,611 $0 1,309,792 1,354,698 16,031,53382.67%$2,972,905,48313.3 Subtotal $2,500,579,007 $0 1,460,566 1,505,472 17,820,91184.11%

14. Medicare$41,246,854,14114.1 With contract reserves $34,438,354,720 $4,283,195 3,670,091 3,665,695 43,341,65183.50%

$139,281,897,75514.2 Without contract reserves $116,461,283,867 )$(24,619,681 12,172,721 12,180,015 143,313,32183.60%$180,528,751,89614.3 Subtotal $150,899,638,587 )$(20,336,486 15,842,812 15,845,710 186,654,97283.58%

15. Medicaid$26,906,996,91415.1 With contract reserves $24,057,654,226 $4,689,963 3,931,819 3,937,704 47,756,57589.43%

$158,656,681,10215.2 Without contract reserves $137,241,371,547 $17,962,174 32,012,904 32,201,336 389,623,68086.51%$185,563,678,01615.3 Subtotal $161,299,025,773 $22,652,137 35,944,723 36,139,040 437,380,25586.94%

16. Medicare Part D - Stand-Alone$2,503,470,78216.1 With contract reserves $1,923,256,520 )$(20,193 3,180,980 3,180,980 37,451,39776.82%

$14,718,192,56216.2 Without contract reserves $11,023,402,480 )$(21,356,000 17,832,931 17,266,985 213,915,26274.75%$17,221,663,34416.3 Subtotal $12,946,659,000 )$(21,376,193 21,013,911 20,447,965 251,366,65975.05%

17. Other Individual Business$826,802,12417.1 With contract reserves $729,256,769 )$(34,893,688 1,463,710 1,213,293 14,294,57883.98%$628,740,20417.2 Without contract reserves $730,119,183 )$(6,946 938,263 1,843,132 16,521,950116.12%

$1,455,542,32817.3 Subtotal $1,459,375,952 )$(34,900,634 2,401,973 3,056,425 30,816,52897.87%18. Total Individual Business

$124,248,245,61518.1 With contract reserves $102,290,123,043 $7,837,865,210 54,222,693 68,069,320 784,755,05988.64%$401,513,286,64618.2 Without contract reserves $331,318,425,026 )$(28,639,222 82,988,203 88,456,557 1,062,811,40882.51%$525,761,532,26119. Grand total individual $433,608,548,067 $7,809,225,987 137,210,896 156,525,877 1,847,566,46683.96%

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

© 2019 National Association of Insurance Commissioners 16

Page 21: 2018 Accident and Health Policy Experience Report · Health Policy Experience Exhibit, market share data based on this exhibit, and more. The health insurance market is , with a varieexpansivety

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Aggregated 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 6,526,059 11,507,932 139,065,572$63,929,867,425 $50,372,226,208 ($36,065,865) 78.74%1.2 Other Employer 12,760,340 26,094,272 313,860,206$130,886,691,518 $109,351,593,503 ($3,439,190) 83.54%1.3 Single employer subtotal 19,286,399 37,602,204 452,925,778$194,816,558,946 $159,723,819,710 ($39,505,055) 81.97%2. Multiple employer assns and trusts 650,264 1,249,586 15,147,441$6,559,575,792 $5,282,645,630 ($640,000) 80.52%3. Other associations and discretionary trusts 300,153 547,267 6,925,200$2,147,549,446 $1,690,326,165 ($8,157,132) 78.33%4. Other comprehensive major medical 796,490 1,500,869 17,919,485$7,178,836,493 $6,147,505,020 $126,485 85.64%5. Comprehensive/major medical subtotal 21,033,306 40,899,926 492,917,904$210,702,520,676 $172,844,296,525 ($48,175,702) 82.01%

Other Medical (Non-Comprehensive)6. Specified/named disease 4,177,174 8,654,712 92,488,869$1,880,663,198 $632,488,388 $152,335,190 41.73%7. Limited benefit 16,787,749 62,055,165 733,935,088$6,441,856,940 $4,846,719,682 $3,450,305 75.29%8. Student 693,166 1,459,589 17,632,227$2,175,682,375 $1,722,176,740 $33,935 79.16%9. Accident only or AD&D 84,788,277 237,104,041 1,971,620,283$4,373,583,912 $1,775,602,174 $6,667,189 40.75%10. Disability income - short-term 10,885,671 28,539,668 274,185,390$6,068,218,337 $4,127,128,733 ($1,318,266) 67.99%11. Disability income - long-term 15,995,840 46,360,413 426,414,584$13,108,392,559 $10,242,330,060 ($2,991,332) 78.11%12. Long-term care 1,063,168 2,333,691 24,913,815$2,400,623,050 $1,460,152,243 $2,130,947,725 149.59%13. Medicare supplement 3,049,845 3,116,400 37,260,648$7,470,510,342 $5,908,217,037 $45,093,302 79.69%14. Federal Employees Health Benefit Plans 3,238,036 6,721,676 80,616,457$40,685,134,974 $37,221,147,472 ($9,607,663) 91.46%15. Tricare 27,618 50,065 601,088$63,124,902 $62,193,359 ($921) 98.52%16. Dental 23,065,765 64,082,498 631,637,642$24,405,151,119 $18,370,119,045 $10,817,105 75.32%17. Medicare 2,861,275 2,916,548 33,340,360$33,766,035,721 $29,447,662,019 ($3,914,960) 87.20%18. Medicare Part D - Stand-Alone 634,486 618,562 7,774,487$914,083,589 $645,072,549 $2,653 70.57%19. Other group care 10,283,448 19,598,053 200,949,459$6,162,353,556 $4,110,397,191 ($3,600,617) 66.64%20. Grand total group business 198,584,825 524,511,006 5,026,288,299$360,617,935,248 $293,415,703,205 $2,279,737,941 82.00%

C. OTHER BUSINESS1. Credit (Individual and Group) 2,312,797 2,953,881 35,792,371$1,608,644,945 $1,021,107,758 $14,730,148 64.39%2. Stop Loss/Excess Loss 16,077,013 60,262,125 690,721,015$20,356,076,107 $16,188,425,993 $7,484,695 79.56%3. Administrative Services Only 13,967,334 44,851,589 537,568,944XXX XXX XXX XXX4. Administrative Services Contracts 42,854,596 147,948,982 1,498,593,891XXX XXX XXX XXX5. Grand Total Other Business 75,211,740 256,016,577 2,762,676,221$21,964,721,052 $17,209,533,751 $22,214,843 78.45%

D. TOTAL BUSINESS1. Total Non U.S. Policy Forms 15,650,873 16,406,954 188,126,729$4,054,247,963 $2,072,554,993 ($48,476,485,982) (1,144.58)%2. Grand Total Individual, Group & Other Business 426,658,334 953,460,414 9,824,657,716$912,398,436,519 $746,306,340,013 ($38,365,307,216) 77.59%

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

© 2019 National Association of Insurance Commissioners 17

Page 22: 2018 Accident and Health Policy Experience Report · Health Policy Experience Exhibit, market share data based on this exhibit, and more. The health insurance market is , with a varieexpansivety

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Aggregated Totals for All Statement Types

Premiums

countrywide

Earned Claims AmountIncurred

Contract ReservesChange in

Loss Ratio ¹

Part 1 - Individual PoliciesSummary

$525,953,943,5741. U.S. forms direct business $433,777,059,292 $7,803,155,651 83.96%$3,172,501,8222. Other forms direct business $1,633,029,889 )$(48,476,297,442 (1,476.54)%

$529,126,445,3973. Total direct business $435,410,089,181 )$(40,673,141,792 74.60%$21,510,969,8964. Reinsurance assumed $19,851,713,659 $1,814,025,964 100.72%$27,562,161,1375. Less reinsurance ceded $28,921,350,053 $4,079,369,205 119.73%

$523,075,254,1536. Total $426,340,452,796 )$(42,938,485,036 73.30%

Part 2 - Group PoliciesSummary

$377,786,534,5931. U.S. forms direct business $307,405,159,639 $2,290,305,344 81.98%$3,067,506,6782. Other forms direct business $2,250,972,711 )$(9,425 73.38%

$380,854,041,2693. Total direct business $309,656,132,351 $2,290,295,919 81.91%$27,449,805,3544. Reinsurance assumed $21,591,256,144 $54,229,186 78.85%$42,435,008,4695. Less reinsurance ceded $34,815,272,956 $540,373,229 83.32%

$365,868,838,1596. Total $296,432,115,537 $1,804,151,873 81.51%

Part 3 - Credit Policies (Individual and Group)Summary

$2,556,331,8311. U.S. forms direct business $1,762,633,572 $14,733,275 69.53%$318,368,8932. Other forms direct business $39,564,193 $0 12.43%

$2,874,700,7243. Total direct business $1,802,197,765 $14,733,275 63.20%$136,270,0604. Reinsurance assumed $42,622,696 )$(8,665 31.27%$480,105,0365. Less reinsurance ceded $118,505,354 $3,209,796 25.35%

$2,530,865,7466. Total $1,726,315,106 $11,514,815 68.67%

Part 4 - All Individual, Group and Credit PoliciesSummary

$908,059,368,7641. U.S. forms direct business $744,239,436,450 $10,110,093,338 83.07%$4,961,857,6632. Other forms direct business $2,784,054,261 )$(48,476,307,345 (920.87)%

$913,021,226,4273. Total direct business $747,023,490,712 )$(38,366,214,008 77.62%$49,139,665,1984. Reinsurance assumed $41,527,386,157 $1,868,246,485 88.31%$70,522,505,4745. Less reinsurance ceded $63,900,635,069 $4,622,952,229 97.17%

$891,638,386,1566. Total $724,650,241,803 )$(41,120,919,752 76.66%

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

© 2019 National Association of Insurance Commissioners 18

Page 23: 2018 Accident and Health Policy Experience Report · Health Policy Experience Exhibit, market share data based on this exhibit, and more. The health insurance market is , with a varieexpansivety

Annual Statement Data by Statement Type

© 2019 National Association of Insurance Commissioners 19

Page 24: 2018 Accident and Health Policy Experience Report · Health Policy Experience Exhibit, market share data based on this exhibit, and more. The health insurance market is , with a varieexpansivety

© 2019 National Association of Insurance Commissioners 20

Page 25: 2018 Accident and Health Policy Experience Report · Health Policy Experience Exhibit, market share data based on this exhibit, and more. The health insurance market is , with a varieexpansivety

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Aggregated 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

$2,222,679,0671.1 With contract reserves $1,533,354,847 )$(55,421,770 237,067 349,639 4,496,85466.49%$890,852,9681.2 Without contract reserves $739,513,399 )$(1,639,965 99,419 160,144 2,043,98882.83%

$3,113,532,0351.3 Subtotal $2,272,868,247 )$(57,061,735 336,486 509,783 6,540,84271.17%2. Short-Term Medical

$24,468,2722.1 With contract reserves $14,213,904 )$(25,345 10,268 15,827 171,57757.99%$54,651,4622.2 Without contract reserves $59,133,703 $0 20,130 32,807 418,691108.20%$79,119,7342.3 Subtotal $73,347,607 )$(25,345 30,398 48,634 590,26892.67%

3. Other Medical (Non-Comprehensive)$976,780,9213.1 With contract reserves $420,848,302 $78,487,659 2,124,739 3,694,146 42,190,11651.12%$166,421,5163.2 Without contract reserves $73,182,814 $1,851 133,424 187,623 1,806,22443.98%

$1,143,202,4363.3 Subtotal $494,031,117 $78,489,510 2,258,163 3,881,769 43,996,34050.08%4. Specified/Named Disease

$3,746,474,0294.1 With contract reserves $2,005,836,985 $266,118,933 7,645,792 13,671,195 156,379,22560.64%$198,451,0444.2 Without contract reserves $58,159,062 )$(21,079 300,543 433,499 4,678,13529.30%

$3,944,925,0734.3 Subtotal $2,063,996,047 $266,097,854 7,946,335 14,104,694 161,057,36059.07%5. Limited Benefit

$158,649,5945.1 With contract reserves $65,597,020 $14,280,342 345,127 453,626 5,067,32850.35%$131,328,0065.2 Without contract reserves $54,876,259 $0 331,028 483,660 5,221,74741.79%$289,977,6005.3 Subtotal $120,473,279 $14,280,342 676,155 937,286 10,289,07546.47%

6. Student$5,418,3236.1 With contract reserves $2,301,469 $0 13,307 13,307 159,68442.48%

$56,5196.2 Without contract reserves $27,538 $0 386 386 4,22948.72%$5,474,8426.3 Subtotal $2,329,007 $0 13,693 13,693 163,91342.54%

7. Accident Only or AD&D$2,513,807,6497.1 With contract reserves $902,503,690 $83,522,906 9,502,841 14,389,177 157,211,59239.22%

$152,449,3187.2 Without contract reserves $51,096,866 $793,263 1,313,741 1,462,318 16,449,30634.04%$2,666,256,9687.3 Subtotal $953,600,556 $84,316,169 10,816,582 15,851,495 173,660,89838.93%

8. Disability Income - Short-Term$2,307,687,6748.1 With contract reserves $1,042,732,032 )$(72,241,215 3,221,570 3,262,003 37,642,30242.05%

$50,355,0768.2 Without contract reserves $27,841,755 $252,862 41,848 42,188 286,46655.79%$2,358,042,7508.3 Subtotal $1,070,573,787 )$(71,988,353 3,263,418 3,304,191 37,928,76842.35%

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

© 2019 National Association of Insurance Commissioners 21

Page 26: 2018 Accident and Health Policy Experience Report · Health Policy Experience Exhibit, market share data based on this exhibit, and more. The health insurance market is , with a varieexpansivety

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Aggregated 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

$4,831,102,4659.1 With contract reserves $3,840,385,980 )$(193,342,133 2,859,208 2,811,110 34,131,21975.49%$12,344,1389.2 Without contract reserves $15,033,417 )$(190,819 11,020 11,035 107,744120.24%

$4,843,446,6039.3 Subtotal $3,855,419,397 )$(193,532,952 2,870,228 2,822,145 34,238,96375.60%10. Long-Term Care

$8,933,357,62410.1 With contract reserves $10,229,515,158 $7,971,744,076 3,702,139 4,113,677 45,098,817203.74%$5,307,86610.2 Without contract reserves $18,033,600 $2,692,606 2,307 2,309 27,763390.48%

$8,938,665,48910.3 Subtotal $10,247,548,759 $7,974,436,682 3,704,446 4,115,986 45,126,580203.86%11. Medicare Supplement (Medigap)

$8,234,915,41511.1 With contract reserves $6,378,765,054 $95,549,567 3,589,883 3,593,630 42,834,63078.62%$4,583,119,92711.2 Without contract reserves $3,659,336,780 $0 2,298,416 2,301,005 25,589,16579.84%

$12,818,035,34111.3 Subtotal $10,038,101,833 $95,549,567 5,888,299 5,894,635 68,423,79579.06%12. Dental

$410,727,11512.1 With contract reserves $200,315,195 $8,780,984 673,258 929,331 10,489,47650.91%$514,981,87212.2 Without contract reserves $289,940,118 )$(1,862 1,020,128 1,426,231 16,464,80056.30%$925,708,98712.3 Subtotal $490,255,313 $8,779,122 1,693,386 2,355,562 26,954,27653.91%

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

$37,259,76613.2 Without contract reserves $27,492,942 $0 20,594 20,594 275,58573.79%$37,259,76613.3 Subtotal $27,492,942 $0 20,594 20,594 275,58573.79%

14. Medicare$23,584,870,01714.1 With contract reserves $19,429,466,536 )$(1,746,364 2,224,353 2,224,367 26,177,18082.37%

$1,043,051,91314.2 Without contract reserves $875,608,675 $14,357 127,767 127,767 1,432,77483.95%$24,627,921,93014.3 Subtotal $20,305,075,211 )$(1,732,007 2,352,120 2,352,134 27,609,95482.44%

15. Medicaid$2,904,057,23715.1 With contract reserves $2,640,433,695 )$(5 273,655 273,655 3,230,16190.92%

$015.2 Without contract reserves $0 $0 0 0 0N/A$2,904,057,23715.3 Subtotal $2,640,433,695 )$(5 273,655 273,655 3,230,16190.92%

16. Medicare Part D - Stand-Alone$1,646,632,64516.1 With contract reserves $1,138,770,120 )$(20,193 2,233,080 2,233,080 26,448,76869.16%$4,368,686,45216.2 Without contract reserves $3,221,322,320 $0 4,127,840 4,127,840 50,263,85073.74%$6,015,319,09716.3 Subtotal $4,360,092,440 )$(20,193 6,360,920 6,360,920 76,712,61872.48%

17. Other Individual Business$330,179,60417.1 With contract reserves $185,901,318 )$(35,410,560 559,633 310,384 3,226,15745.58%$139,097,29517.2 Without contract reserves $125,441,005 )$(6,946 197,524 221,917 2,432,44290.18%$469,276,89917.3 Subtotal $311,342,323 )$(35,417,506 757,157 532,301 5,658,59958.80%

18. Total Individual Business$62,831,807,65518.1 With contract reserves $50,030,941,310 $8,160,276,885 39,215,920 52,338,154 594,955,08592.61%$12,348,415,13818.2 Without contract reserves $9,296,040,253 $1,894,269 10,046,115 11,041,323 127,502,90975.30%$75,180,222,79219. Grand total individual $59,326,981,561 $8,162,171,153 49,262,035 63,379,477 722,457,99489.77%

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

© 2019 National Association of Insurance Commissioners 22

Page 27: 2018 Accident and Health Policy Experience Report · Health Policy Experience Exhibit, market share data based on this exhibit, and more. The health insurance market is , with a varieexpansivety

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Aggregated 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 1,064,896 1,915,262 22,221,518$9,062,186,104 76.48%$6,932,071,731 ($1,741,667)1.2 Other Employer 3,171,393 8,103,611 99,114,901$36,894,465,198 82.60%$30,477,005,825 ($672,292)1.3 Single employer subtotal 4,236,289 10,018,873 121,336,419$45,956,651,301 81.40%$37,409,077,556 ($2,413,959)2. Multiple employer assns and trusts 41,794 80,560 965,800$336,684,570 58.85%$198,786,168 ($640,000)3. Other associations and discretionary trusts 226,202 422,320 5,472,424$1,575,507,311 78.72%$1,248,473,173 ($8,157,132)4. Other comprehensive major medical 74,545 209,095 2,509,204$124,238,281 80.25%$99,575,543 $126,4855. Comprehensive/major medical subtotal 4,578,830 10,730,848 130,283,847$47,993,081,463 81.15%$38,955,912,440 ($11,084,606)

Other Medical (Non-Comprehensive)6. Specified/named disease 4,139,758 8,525,344 90,425,325$1,851,531,344 41.26%$610,726,330 $153,273,3507. Limited benefit 14,070,852 29,452,379 344,187,621$3,747,317,337 76.32%$2,856,654,295 $3,415,6498. Student 485,438 526,852 6,237,586$1,519,127,713 78.64%$1,194,879,794 ($176,575)9. Accident only or AD&D 45,665,310 122,620,470 1,072,781,213$3,825,088,819 40.98%$1,561,659,684 $5,755,03710. Disability income - short-term 10,849,829 28,016,932 268,146,435$6,032,479,036 68.05%$4,106,258,266 ($1,348,093)11. Disability income - long-term 15,967,726 46,325,948 426,001,616$13,104,007,296 78.12%$10,238,693,548 ($2,490,446)12. Long-term care 877,413 2,147,974 22,646,756$2,193,175,979 154.27%$1,352,587,895 $2,030,774,45613. Medicare supplement 2,897,123 2,960,386 35,401,662$7,041,942,894 79.77%$5,579,163,979 $38,494,50114. Federal Employees Health Benefit Plans 39,531 83,586 956,836$1,151,807,632 89.26%$1,027,992,169 $85,67915. Tricare 13 413 4,958$0 N/A$0 $016. Dental 7,677,448 29,391,796 231,460,715$13,001,443,681 73.81%$9,588,745,579 $8,047,54217. Medicare 100 100 1,218$846,021 66.79%$565,047 $018. Medicare Part D - Stand-Alone 290,066 290,066 3,436,922$189,923,861 50.76%$96,403,141 $2,65319. Other group care 4,766,770 11,645,901 112,606,430$2,508,542,147 58.98%$1,485,187,085 ($5,602,511)20. Grand total group business 112,306,208 292,718,994 2,744,579,138$104,160,315,222 77.64%$78,655,429,236 $2,219,146,634

C. OTHER BUSINESS1. Credit (Individual and Group) 2,174,109 2,812,133 33,818,861$681,955,812 38.50%$247,806,347 $14,730,1482. Stop Loss/Excess Loss 11,069,666 39,078,073 466,349,296$13,790,589,427 78.94%$10,886,224,447 ($574,918)3. Administrative Services Only 5,267,043 27,657,666 331,948,953XXX XXXXXX XXX4. Administrative Services Contracts 13,728,181 29,919,699 350,845,795XXX XXXXXX XXX5. Grand Total Other Business 32,238,999 99,467,571 1,182,962,905$14,472,545,239 77.03%$11,134,030,794 $14,155,230

D. TOTAL BUSINESS1. Total Non U.S. Policy Forms 11,495,962 12,045,915 139,032,211$3,400,634,212 (1,372.03)%$1,819,425,585 ($48,477,215,126)2. Grand Total Individual, Group & Other Business 205,303,204 467,611,957 4,789,032,249$197,213,717,468 57.22%$150,935,867,175 ($38,081,742,112)

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

© 2019 National Association of Insurance Commissioners 23

Page 28: 2018 Accident and Health Policy Experience Report · Health Policy Experience Exhibit, market share data based on this exhibit, and more. The health insurance market is , with a varieexpansivety

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Aggregated Totals for Life, Accident & Health

Premiums

countrywide

Earned Claims AmountIncurred

Contract ReservesChange in

Loss Ratio ¹

Part 1 - Individual PoliciesSummary

$75,181,286,4321. U.S. forms direct business $59,347,554,027 $8,158,754,335 89.79%$2,853,759,4502. Other forms direct business $1,489,238,901 )$(48,476,839,475 (1,646.52)%

$78,035,045,8833. Total direct business $60,836,792,928 )$(40,318,085,141 26.29%$10,936,405,7764. Reinsurance assumed $10,481,120,430 $1,329,920,641 108.00%$12,981,118,0395. Less reinsurance ceded $16,000,775,759 $4,069,912,176 154.61%$75,990,333,6196. Total $55,317,137,605 )$(43,058,076,679 16.13%

Part 2 - Group PoliciesSummary

$115,697,851,6411. U.S. forms direct business $87,886,960,518 $2,222,551,507 77.88%$2,674,941,7602. Other forms direct business $1,959,257,378 )$(196,536 73.24%

$118,372,793,3993. Total direct business $89,846,217,897 $2,222,354,971 77.78%$17,306,233,8544. Reinsurance assumed $14,673,514,910 $51,446,795 85.08%$31,619,571,8625. Less reinsurance ceded $26,775,720,106 $527,310,235 86.35%

$104,059,455,3966. Total $77,744,012,698 $1,746,491,529 76.39%

Part 3 - Credit Policies (Individual and Group)Summary

$685,524,7931. U.S. forms direct business $247,899,530 $14,733,275 38.31%$139,049,9412. Other forms direct business $16,888,079 $0 12.15%$824,574,7343. Total direct business $264,787,609 $14,733,275 33.90%$102,712,7784. Reinsurance assumed $15,596,236 )$(8,665 15.18%$247,784,8025. Less reinsurance ceded $40,675,632 $3,209,796 17.71%$679,502,7086. Total $239,708,212 $11,514,815 36.97%

Part 4 - All Individual, Group and Credit PoliciesSummary

$193,061,905,6681. U.S. forms direct business $148,529,602,636 $10,396,039,115 82.32%$4,170,508,3542. Other forms direct business $2,418,195,795 )$(48,477,036,011 (1,104.39)%

$197,232,414,0223. Total direct business $150,947,798,431 )$(38,080,996,897 57.23%$28,345,352,4094. Reinsurance assumed $25,170,231,576 $1,381,358,771 93.67%$44,848,474,2785. Less reinsurance ceded $42,817,171,495 $4,600,432,208 105.73%

$180,729,292,1546. Total $133,300,858,511 )$(41,300,070,334 50.91%

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

© 2019 National Association of Insurance Commissioners 24

Page 29: 2018 Accident and Health Policy Experience Report · Health Policy Experience Exhibit, market share data based on this exhibit, and more. The health insurance market is , with a varieexpansivety

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Aggregated 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

$12,906,097,2121.1 With contract reserves $9,506,568,545 )$(12,319,970 1,205,726 1,727,931 22,149,79073.56%$62,594,380,4481.2 Without contract reserves $45,337,659,012 )$(2,301,935 6,276,215 8,832,586 113,794,21172.43%$75,500,477,6601.3 Subtotal $54,844,227,557 )$(14,621,905 7,481,941 10,560,517 135,944,00172.62%

2. Short-Term Medical$4,161,6332.1 With contract reserves $2,291,222 $0 2,002 2,968 28,16755.06%$9,877,8722.2 Without contract reserves $6,409,747 $0 6,161 7,829 92,59164.89%

$14,039,5052.3 Subtotal $8,700,969 $0 8,163 10,797 120,75861.97%3. Other Medical (Non-Comprehensive)

)$(6,444,6593.1 With contract reserves $636,888 )$(250,921 4,837 5,180 62,592(5.99)%$346,0313.2 Without contract reserves $201,035 $0 2,381 3,073 38,85358.10%

)$(6,098,6283.3 Subtotal $837,923 )$(250,921 7,218 8,253 101,445(9.63)%4. Specified/Named Disease

$4,886,6194.1 With contract reserves $2,348,524 )$(109,041 3,704 4,279 159,63745.83%$984,9244.2 Without contract reserves $451,479 $0 1,515 2,183 28,09945.84%

$5,871,5434.3 Subtotal $2,800,003 )$(109,041 5,219 6,462 187,73645.83%5. Limited Benefit

$56,582,4945.1 With contract reserves $29,912,396 $3,596 256,827 256,827 2,868,11052.87%$5,649,051,4835.2 Without contract reserves $5,098,792,631 $0 434,971 492,586 5,903,06990.26%$5,705,633,9775.3 Subtotal $5,128,705,027 $3,596 691,798 749,413 8,771,17989.89%

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

$186,180,3666.2 Without contract reserves $220,960,847 $0 90,231 91,437 1,062,418118.68%$186,180,3666.3 Subtotal $220,960,847 $0 90,231 91,437 1,062,418118.68%

7. Accident Only or AD&D$510,9857.1 With contract reserves $301,667 )$(9,879 8,354 8,822 104,90657.10%

$307,469,5117.2 Without contract reserves $238,223,452 $0 467,286 479,012 5,748,67477.48%$307,980,4967.3 Subtotal $238,525,119 )$(9,879 475,640 487,834 5,853,58077.44%

8. Disability Income - Short-Term$2,653,9748.1 With contract reserves $1,625,934 )$(165,989 871 874 15,53355.01%

$08.2 Without contract reserves $0 $0 0 0 0N/A$2,653,9748.3 Subtotal $1,625,934 )$(165,989 871 874 15,53355.01%

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

© 2019 National Association of Insurance Commissioners 25

Page 30: 2018 Accident and Health Policy Experience Report · Health Policy Experience Exhibit, market share data based on this exhibit, and more. The health insurance market is , with a varieexpansivety

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Aggregated 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

$7,009,0099.1 With contract reserves $8,105,325 )$(4,909,579 25,424 25,497 299,58345.59%$09.2 Without contract reserves $0 $0 0 0 0N/A

$7,009,0099.3 Subtotal $8,105,325 )$(4,909,579 25,424 25,497 299,58345.59%10. Long-Term Care

$24,067,15110.1 With contract reserves $53,272,668 $7,534,101 15,531 15,824 193,393252.65%$585,617,98710.2 Without contract reserves $493,395,475 $0 36,698 36,698 302,57184.25%$609,685,13810.3 Subtotal $546,668,143 $7,534,101 52,229 52,522 495,96490.90%

11. Medicare Supplement (Medigap)$2,390,470,07611.1 With contract reserves $1,883,056,528 $51,925,057 1,007,446 1,007,446 11,938,18680.95%$8,046,313,02811.2 Without contract reserves $6,343,442,732 )$(119,217 3,190,770 3,193,318 38,185,13678.84%

$10,436,783,10411.3 Subtotal $8,226,499,259 $51,805,840 4,198,216 4,200,764 50,123,32279.32%12. Dental

$1,063,514,53812.1 With contract reserves $869,715,002 )$(74,495 4,031,495 4,159,029 49,418,68981.77%$1,090,309,90912.2 Without contract reserves $711,394,765 $2,965 2,204,508 3,068,593 36,864,27465.25%$2,153,824,44712.3 Subtotal $1,581,109,767 )$(71,530 6,236,003 7,227,622 86,282,96373.41%

13. State Children's Health Insurance Program$282,173,29613.1 With contract reserves $276,072,396 $0 150,774 150,774 1,789,37897.84%

$2,653,472,42113.2 Without contract reserves $2,197,013,669 $0 1,289,198 1,334,104 15,755,94882.80%$2,935,645,71713.3 Subtotal $2,473,086,065 $0 1,439,972 1,484,878 17,545,32684.24%

14. Medicare$17,661,984,12414.1 With contract reserves $15,008,888,184 $6,029,559 1,445,738 1,441,328 17,164,47185.01%

$138,238,845,84214.2 Without contract reserves $115,585,675,192 )$(24,634,038 12,044,954 12,052,248 141,880,54783.60%$155,900,829,96614.3 Subtotal $130,594,563,376 )$(18,604,479 13,490,692 13,493,576 159,045,01883.76%

15. Medicaid$24,002,939,67715.1 With contract reserves $21,417,220,531 $4,689,968 3,658,164 3,664,049 44,526,41489.25%

$158,656,681,10215.2 Without contract reserves $137,241,371,547 $17,962,174 32,012,904 32,201,336 389,623,68086.51%$182,659,620,77915.3 Subtotal $158,658,592,078 $22,652,142 35,671,068 35,865,385 434,150,09486.87%

16. Medicare Part D - Stand-Alone$856,838,13716.1 With contract reserves $784,486,400 $0 947,900 947,900 11,002,62991.56%

$10,349,506,11016.2 Without contract reserves $7,802,080,160 )$(21,356,000 13,705,091 13,139,145 163,651,41275.18%$11,206,344,24716.3 Subtotal $8,586,566,560 )$(21,356,000 14,652,991 14,087,045 174,654,04176.43%

17. Other Individual Business$463,968,53017.1 With contract reserves $532,530,210 $778,387 889,037 889,109 10,891,832114.94%$352,680,01817.2 Without contract reserves $522,626,110 $0 154,600 210,776 2,439,355148.19%$816,648,54817.3 Subtotal $1,055,156,320 $778,387 1,043,637 1,099,885 13,331,187129.30%

18. Total Individual Business$59,721,412,79518.1 With contract reserves $50,377,032,418 $53,120,795 13,653,830 14,307,837 172,613,30984.44%

$388,721,717,05418.2 Without contract reserves $321,799,697,850 )$(30,446,051 71,917,483 75,144,924 915,370,83882.78%$448,443,129,85019. Grand total individual $372,176,730,268 $22,674,744 85,571,313 89,452,761 1,087,984,14683.00%

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

© 2019 National Association of Insurance Commissioners 26

Page 31: 2018 Accident and Health Policy Experience Report · Health Policy Experience Exhibit, market share data based on this exhibit, and more. The health insurance market is , with a varieexpansivety

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Aggregated 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 5,460,082 9,540,991 116,219,651($34,324,198)$43,301,041,071 79.10%$54,697,972,1941.2 Other Employer 9,572,919 17,906,821 213,541,294($2,766,898)$78,547,031,374 83.86%$93,655,929,5141.3 Single employer subtotal 15,033,001 27,447,812 329,760,945($37,091,096)$121,848,072,444 82.11%$148,353,901,7122. Multiple employer assns and trusts 608,470 1,169,026 14,181,641$0$5,083,859,866 81.70%$6,222,891,2223. Other associations and discretionary trusts 62,743 107,324 1,261,193$0$426,652,901 79.30%$538,053,8174. Other comprehensive major medical 721,758 1,280,554 15,275,912$0$6,014,384,538 85.85%$7,005,578,6745. Comprehensive/major medical subtotal 16,425,972 30,004,716 360,479,691($37,091,096)$133,372,969,749 82.24%$162,120,425,424

Other Medical (Non-Comprehensive)6. Specified/named disease 21,076 49,573 1,199,502($948,629)$16,081,464 61.77%$24,499,1967. Limited benefit 2,665,675 32,328,363 387,183,793$62,805$1,902,118,873 77.63%$2,450,288,5558. Student 206,153 847,655 10,391,055$210,510$423,568,986 84.07%$504,074,2069. Accident only or AD&D 492,600 510,098 5,886,837$636,437$12,071,684 53.85%$23,598,81110. Disability income - short-term 1,751 2,224 36,625$2$127,475 28.96%$440,24411. Disability income - long-term 240 353 3,610($500,886)$743,455 29.06%$834,72812. Long-term care 12,362 12,362 150,142$16,739,497$24,687,263 218.06%$18,998,14513. Medicare supplement 152,720 155,989 1,858,572$6,615,842$329,002,317 78.32%$428,510,33414. Federal Employees Health Benefit Plans 3,198,505 6,638,090 79,659,621($9,693,342)$36,193,155,303 91.53%$39,533,327,34215. Tricare 27,605 49,652 596,130($921)$62,193,359 98.52%$63,124,90216. Dental 15,372,712 34,624,332 399,691,615$2,769,099$8,736,743,220 77.23%$11,315,974,54817. Medicare 2,861,175 2,916,448 33,339,142($3,914,960)$29,447,096,972 87.20%$33,765,189,70018. Medicare Part D - Stand-Alone 344,420 328,496 4,337,565$0$548,669,408 75.77%$724,159,72819. Other group care 3,063,550 6,403,533 77,539,478$2,001,894$2,041,863,659 85.60%$2,387,608,19120. Grand total group business 44,846,516 114,871,884 1,362,353,378($23,113,748)$213,111,093,189 84.10%$253,361,054,053

C. OTHER BUSINESS1. Credit (Individual and Group) 4,763 7,823 84,307$0$772,140,551 84.33%$915,566,3882. Stop Loss/Excess Loss 4,615,833 9,904,590 117,047,474$2,421,890$3,820,746,826 81.44%$4,694,451,4613. Administrative Services Only 8,700,291 17,193,923 205,619,991XXXXXX XXXXXX4. Administrative Services Contracts 29,126,415 118,029,283 1,147,748,096XXXXXX XXXXXX5. Grand Total Other Business 42,447,302 145,135,619 1,470,499,868$2,421,890$4,592,887,377 81.91%$5,610,017,849

D. TOTAL BUSINESS1. Total Non U.S. Policy Forms 13,753 22,771 292,449$187,111$70,033,176 66.37%$105,793,7782. Grand Total Individual, Group & Other Business 172,878,884 349,483,035 3,921,129,841$2,169,997$589,950,744,009 83.38%$707,519,995,526

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

© 2019 National Association of Insurance Commissioners 27

Page 32: 2018 Accident and Health Policy Experience Report · Health Policy Experience Exhibit, market share data based on this exhibit, and more. The health insurance market is , with a varieexpansivety

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Aggregated Totals for Health

Premiums

countrywide

Earned Claims AmountIncurred

Contract ReservesChange in

Loss Ratio ¹

Part 1 - Individual PoliciesSummary

$448,412,853,8251. U.S. forms direct business $372,133,439,894 $20,023,226 82.99%$101,105,7132. Other forms direct business $67,298,344 $0 66.56%

$448,513,959,5383. Total direct business $372,200,738,238 $20,023,226 82.99%$9,224,121,8734. Reinsurance assumed $7,872,231,136 )$(33,311 85.34%

$13,520,869,4125. Less reinsurance ceded $11,868,644,030 )$(4,437,148 87.75%$444,217,211,9986. Total $368,204,325,349 $24,427,063 82.89%

Part 2 - Group PoliciesSummary

$257,580,109,0361. U.S. forms direct business $216,782,491,940 )$(20,462,230 84.15%$5,305,8332. Other forms direct business $2,509,336 $187,111 50.82%

$257,585,414,8693. Total direct business $216,785,001,276 )$(20,275,119 84.15%$5,109,690,2994. Reinsurance assumed $4,307,407,378 $711,300 84.31%$6,569,184,7945. Less reinsurance ceded $5,616,933,898 $7,220,810 85.61%

$256,125,920,3766. Total $215,475,474,758 )$(26,784,629 84.12%

Part 3 - Credit Policies (Individual and Group)Summary

$1,859,684,2931. U.S. forms direct business $1,513,573,182 $0 81.39%$02. Other forms direct business $0 $0 N/A

$1,859,684,2933. Total direct business $1,513,573,182 $0 81.39%$33,291,1714. Reinsurance assumed $27,011,051 $0 81.14%$93,173,5105. Less reinsurance ceded $66,024,817 $0 70.86%

$1,799,801,9546. Total $1,474,559,416 $0 81.93%

Part 4 - All Individual, Group and Credit PoliciesSummary

$708,018,686,1871. U.S. forms direct business $590,584,576,436 $1,459,590 83.41%$106,411,5462. Other forms direct business $69,807,680 $187,111 65.78%

$708,125,097,7333. Total direct business $590,654,384,116 $1,646,701 83.41%$14,409,723,2314. Reinsurance assumed $12,248,443,223 $677,989 85.01%$20,228,458,9715. Less reinsurance ceded $17,597,109,452 $2,783,662 87.01%

$702,306,361,9986. Total $585,305,717,891 )$(458,972 83.34%

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

© 2019 National Association of Insurance Commissioners 28

Page 33: 2018 Accident and Health Policy Experience Report · Health Policy Experience Exhibit, market share data based on this exhibit, and more. The health insurance market is , with a varieexpansivety

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Aggregated 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

$2,011,3291.1 With contract reserves $1,670,370 )$(295,687 596 1,072 13,10868.35%$669,7741.2 Without contract reserves $122,407 $0 164 212 2,64018.28%

$2,681,1031.3 Subtotal $1,792,777 )$(295,687 760 1,284 15,74855.84%2. Short-Term Medical

$02.1 With contract reserves $0 $0 0 0 0N/A$16,392,1002.2 Without contract reserves $8,057,261 $0 19,034 27,187 175,52049.15%$16,392,1002.3 Subtotal $8,057,261 $0 19,034 27,187 175,52049.15%

3. Other Medical (Non-Comprehensive)$92,821,3113.1 With contract reserves $41,289,376 $292,916 398,695 446,227 5,359,07844.80%

$508,3983.2 Without contract reserves $596,568 $0 214 142 1,918117.34%$93,329,7093.3 Subtotal $41,885,944 $292,916 398,909 446,369 5,360,99645.19%

4. Specified/Named Disease$04.1 With contract reserves $0 $0 0 0 0N/A

$929,5594.2 Without contract reserves $298,691 $0 1,473 2,094 20,79832.13%$929,5594.3 Subtotal $298,691 $0 1,473 2,094 20,79832.13%

5. Limited Benefit$1,0295.1 With contract reserves )$(9 )$(25 8 8 108(3.30)%

$509,7955.2 Without contract reserves $382,443 $0 5,764 8,945 8,94575.02%$510,8245.3 Subtotal $382,434 )$(25 5,772 8,953 9,05374.86%

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$1,666,8597.1 With contract reserves $90,442 )$(698 12,835 17,387 213,6305.38%

$83,973,0167.2 Without contract reserves $28,470,303 $0 62,569 67,481 660,36833.90%$85,639,8757.3 Subtotal $28,560,745 )$(698 75,404 84,868 873,99833.35%

8. Disability Income - Short-Term$6,170,9528.1 With contract reserves $4,674,251 $1,348,329 7,924 7,924 96,67897.60%

$149,571,1328.2 Without contract reserves $65,070,245 $0 267,875 657,426 6,502,27643.50%$155,742,0848.3 Subtotal $69,744,496 $1,348,329 275,799 665,350 6,598,95445.65%

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

© 2019 National Association of Insurance Commissioners 29

Page 34: 2018 Accident and Health Policy Experience Report · Health Policy Experience Exhibit, market share data based on this exhibit, and more. The health insurance market is , with a varieexpansivety

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Aggregated 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

$5,192,3179.1 With contract reserves $133,155 $219,965 3,420 3,420 39,5666.80%$14,266,4129.2 Without contract reserves $11,741,429 $0 7,905 7,905 97,87682.30%$19,458,7299.3 Subtotal $11,874,584 $219,965 11,325 11,325 137,44262.15%

10. Long-Term Care$549,978,39510.1 With contract reserves $960,192,088 )$(183,740,426 278,846 278,846 3,408,452141.18%

)$(1,559,75510.2 Without contract reserves $1,692,790 $0 143 143 0(108.53)%$548,418,64010.3 Subtotal $961,884,879 )$(183,740,426 278,989 278,989 3,408,452141.89%

11. Medicare Supplement (Medigap)$374,237,14711.1 With contract reserves $285,578,923 )$(74,117 116,691 116,702 1,762,13576.29%

$19,161,23211.2 Without contract reserves $11,852,072 $0 7,410 7,410 64,85961.85%$393,398,37911.3 Subtotal $297,430,996 )$(74,117 124,101 124,112 1,826,99475.59%

12. Dental$9,583,38512.1 With contract reserves $5,006,722 $0 0 0 052.24%$3,625,25212.2 Without contract reserves $282,901 $0 5,497 6,864 29,3717.80%

$13,208,63712.3 Subtotal $5,289,623 $0 5,497 6,864 29,37140.05%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$014.1 With contract reserves $0 $0 0 0 0N/A$014.2 Without contract reserves $0 $0 0 0 0N/A$014.3 Subtotal $0 $0 0 0 0N/A

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$32,311,97017.1 With contract reserves $10,683,101 )$(12,917 1,880 35 42033.02%

$129,960,71917.2 Without contract reserves $77,322,115 $0 573,935 1,398,014 11,502,13359.50%$162,272,68917.3 Subtotal $88,005,216 )$(12,917 575,815 1,398,049 11,502,55354.22%

18. Total Individual Business$1,073,974,69618.1 With contract reserves $1,309,318,419 )$(182,262,660 820,895 871,621 10,893,175104.94%

$418,007,63518.2 Without contract reserves $205,889,225 $0 951,983 2,183,823 19,066,70449.25%$1,491,982,33119. Grand total individual $1,515,207,644 )$(182,262,660 1,772,878 3,055,444 29,959,87989.34%

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

© 2019 National Association of Insurance Commissioners 30

Page 35: 2018 Accident and Health Policy Experience Report · Health Policy Experience Exhibit, market share data based on this exhibit, and more. The health insurance market is , with a varieexpansivety

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Aggregated 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 1,081 51,679 624,40381.97%$0$139,113,406$169,709,1271.2 Other Employer 16,028 83,840 1,204,01197.40%$0$327,556,304$336,296,8061.3 Single employer subtotal 17,109 135,519 1,828,41492.23%$0$466,669,710$506,005,9332. Multiple employer assns and trusts 0 0 0N/A$0($404)$03. Other associations and discretionary trusts 11,208 17,623 191,58344.72%$0$15,200,091$33,988,3184. Other comprehensive major medical 187 11,220 134,36968.43%$0$33,544,939$49,019,5385. Comprehensive/major medical subtotal 28,504 164,362 2,154,36687.50%$0$515,414,336$589,013,789

Other Medical (Non-Comprehensive)6. Specified/named disease 16,340 79,795 864,042122.85%$10,469$5,680,594$4,632,6587. Limited benefit 51,222 274,423 2,563,67436.00%($28,149)$87,946,514$244,251,0488. Student 1,575 85,082 1,003,58668.03%$0$103,727,960$152,480,4569. Accident only or AD&D 38,630,367 113,973,473 892,952,23338.51%$275,715$201,870,806$524,896,28210. Disability income - short-term 34,091 520,512 6,002,33058.53%$29,825$20,630,703$35,299,05711. Disability income - long-term 27,874 34,112 409,35881.04%$0$2,877,200$3,550,53512. Long-term care 173,393 173,355 2,116,91788.25%$83,433,772$82,877,085$188,448,92613. Medicare supplement 2 25 41459.00%($17,041)$50,741$57,11414. Federal Employees Health Benefit Plans 0 0 0N/A$0$0$015. Tricare 0 0 0N/A$0$0$016. Dental 15,605 66,370 485,31250.87%$464$44,630,246$87,732,89017. Medicare 0 0 0N/A$0$0$018. Medicare Part D - Stand-Alone 0 0 0N/A$0$0$019. Other group care 2,453,128 1,548,619 10,803,55146.07%$0$583,346,447$1,266,203,21820. Grand total group business 41,432,101 116,920,128 919,355,78355.96%$83,705,055$1,649,052,634$3,096,565,973

C. OTHER BUSINESS1. Credit (Individual and Group) 133,925 133,925 1,889,20310.44%$0$1,160,860$11,122,7452. Stop Loss/Excess Loss 391,509 11,277,036 107,295,30479.49%$5,637,723$1,478,491,784$1,867,161,8803. Administrative Services Only 0 0 0XXXXXXXXXXXX4. Administrative Services Contracts 0 0 0XXXXXXXXXXXX5. Grand Total Other Business 525,434 11,410,961 109,184,50779.08%$5,637,723$1,479,652,644$1,878,284,625

D. TOTAL BUSINESS1. Total Non U.S. Policy Forms 4,134,902 4,332,026 48,722,56433.63%$0$182,820,045$543,650,0302. Grand Total Individual, Group & Other Business 47,865,315 135,718,559 1,107,222,73367.52%($92,919,884)$4,826,732,967$7,010,482,955

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

© 2019 National Association of Insurance Commissioners 31

Page 36: 2018 Accident and Health Policy Experience Report · Health Policy Experience Exhibit, market share data based on this exhibit, and more. The health insurance market is , with a varieexpansivety

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Aggregated Totals for Property/Casualty

Premiums

countrywide

Earned Claims AmountIncurred

Contract ReservesChange in

Loss Ratio ¹

Part 1 - Individual PoliciesSummary

$1,713,596,5241. U.S. forms direct business $1,706,555,180 )$(182,262,661 88.95%$213,466,7162. Other forms direct business $76,214,880 $0 35.70%

$1,927,063,2403. Total direct business $1,782,770,060 )$(182,262,661 83.05%$1,350,442,2474. Reinsurance assumed $1,498,362,093 $484,138,634 146.80%

$945,635,3635. Less reinsurance ceded $969,980,345 $14,273,347 104.08%$2,331,870,1226. Total $2,311,151,806 $287,602,626 111.45%

Part 2 - Group PoliciesSummary

$4,504,700,5771. U.S. forms direct business $2,732,616,099 $88,216,067 62.62%$387,259,0852. Other forms direct business $289,205,997 $0 74.68%

$4,891,959,6623. Total direct business $3,021,822,096 $88,216,067 63.57%$5,033,881,2014. Reinsurance assumed $2,610,333,856 $2,071,091 51.90%$4,245,970,9865. Less reinsurance ceded $2,422,618,952 $5,842,184 57.19%$5,679,869,8746. Total $3,209,536,999 $84,444,973 57.99%

Part 3 - Credit Policies (Individual and Group)Summary

$11,122,7451. U.S. forms direct business $1,160,860 $0 10.44%$179,318,9522. Other forms direct business $22,676,114 $0 12.65%$190,441,6973. Total direct business $23,836,974 $0 12.52%

$266,1114. Reinsurance assumed $15,409 $0 5.79%$139,146,7245. Less reinsurance ceded $11,804,905 $0 8.48%

$51,561,0846. Total $12,047,478 $0 23.37%

Part 4 - All Individual, Group and Credit PoliciesSummary

$6,328,702,8971. U.S. forms direct business $4,532,656,106 )$(94,046,596 70.13%$680,761,7002. Other forms direct business $295,773,022 $0 43.45%

$7,009,464,5973. Total direct business $4,828,429,129 )$(94,046,596 67.54%$6,384,589,5584. Reinsurance assumed $4,108,711,358 $486,209,725 71.97%$5,330,753,0755. Less reinsurance ceded $3,404,404,203 $20,115,529 64.24%$8,063,301,0786. Total $5,532,736,284 $372,047,600 73.23%

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

© 2019 National Association of Insurance Commissioners 32

Page 37: 2018 Accident and Health Policy Experience Report · Health Policy Experience Exhibit, market share data based on this exhibit, and more. The health insurance market is , with a varieexpansivety

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Aggregated 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 649 723 8,760$2,626,122 $2,478,309 157.06%$1,646,1661.2 Without contract reserves 1 1 24$10,335 ($4,991) (48.29)%$01.3 Subtotal 650 724 8,784$2,636,457 $2,473,318 156.25%$1,646,1662. 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 12,923 15,467 194,549$2,453,164 $1,518,350 48.42%($330,420)3.2 Without contract reserves 178 210 2,153$7,282 $762 (2.72)%($960)3.3 Subtotal 13,101 15,677 196,702$2,460,446 $1,519,112 48.27%($331,380)4. Specified/Named Disease4.1 With contract reserves 24,816 24,828 305,616$5,262,526 $1,698,000 61.80%$1,554,0854.2 Without contract reserves 14,611 23,873 166,715$1,069,145 $219,736 18.84%($18,280)4.3 Subtotal 39,427 48,701 472,331$6,331,671 $1,917,736 54.54%$1,535,8055. Limited Benefit5.1 With contract reserves 1,754 1,754 21,180$2,148,659 $291,032 13.54%$05.2 Without contract reserves 0 0 0$0 $0 N/A$05.3 Subtotal 1,754 1,754 21,180$2,148,659 $291,032 13.54%$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 128,771 129,634 1,320,180$28,039,716 $8,102,191 41.03%$3,403,7137.2 Without contract reserves 38,621 42,973 471,205$2,475,793 $1,185,158 46.99%($21,801)7.3 Subtotal 167,392 172,607 1,791,385$30,515,509 $9,287,349 41.52%$3,381,9128. Disability Income - Short-Term8.1 With contract reserves 6,848 6,848 83,396$1,370,360 $1,718,534 45.56%($1,094,159)8.2 Without contract reserves 2,055 2,055 23,552$976,893 $727,536 69.72%($46,399)8.3 Subtotal 8,903 8,903 106,948$2,347,253 $2,446,070 55.62%($1,140,558)

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

© 2019 National Association of Insurance Commissioners 33

Page 38: 2018 Accident and Health Policy Experience Report · Health Policy Experience Exhibit, market share data based on this exhibit, and more. The health insurance market is , with a varieexpansivety

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Aggregated 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

$44,025,1949.1 With contract reserves $20,278,166 )$(3,711,043 69,836 70,054 861,80737.63%$09.2 Without contract reserves $0 $0 0 0 0N/A

$44,025,1949.3 Subtotal $20,278,166 )$(3,711,043 69,836 70,054 861,80737.63%10. Long-Term Care

$280,437,99310.1 With contract reserves $344,336,848 )$(192,311,295 160,978 174,631 2,106,82254.21%$45410.2 Without contract reserves )$(42,875 $0 1 1 18(9,443.83)%

$280,438,44710.3 Subtotal $344,293,973 )$(192,311,295 160,979 174,632 2,106,84054.19%11. Medicare Supplement (Medigap)

$254,344,71511.1 With contract reserves $192,267,326 )$(2,178,259 112,313 114,004 1,215,01174.74%$13,604,74511.2 Without contract reserves $9,982,419 $0 4,951 4,949 59,27073.37%

$267,949,46011.3 Subtotal $202,249,745 )$(2,178,259 117,264 118,953 1,274,28174.67%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$014.1 With contract reserves $0 $0 0 0 0N/A$014.2 Without contract reserves $0 $0 0 0 0N/A$014.3 Subtotal $0 $0 0 0 0N/A

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$342,02017.1 With contract reserves $142,140 )$(248,598 13,160 13,765 176,169(31.13)%

$7,002,17217.2 Without contract reserves $4,729,953 $0 12,204 12,425 148,02067.55%$7,344,19217.3 Subtotal $4,872,093 )$(248,598 25,364 26,190 324,18962.95%

18. Total Individual Business$621,050,46918.1 With contract reserves $572,830,896 )$(193,269,810 532,048 551,708 6,293,49061.12%

$25,146,81918.2 Without contract reserves $16,797,698 )$(87,440 72,622 86,487 870,95766.45%$646,197,28819. Grand total individual $589,628,594 )$(193,357,250 604,670 638,195 7,164,44761.32%

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

© 2019 National Association of Insurance Commissioners 34

Page 39: 2018 Accident and Health Policy Experience Report · Health Policy Experience Exhibit, market share data based on this exhibit, and more. The health insurance market is , with a varieexpansivety

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Aggregated 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$112,289 N/A$011. Disability income - long-term 0 0 0$0$15,857 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$128,146 N/A$0

C. OTHER BUSINESS1. Credit (Individual and Group) 0 0 0$0$0 N/A$02. Stop Loss/Excess Loss 5 2,426 28,941$0$2,962,936 76.50%$3,873,3393. Administrative Services Only 0 0 0XXXXXX XXXXXX4. Administrative Services Contracts 0 0 0XXXXXX XXXXXX5. Grand Total Other Business 5 2,426 28,941$0$2,962,936 76.50%$3,873,339

D. TOTAL BUSINESS1. Total Non U.S. Policy Forms 6,256 6,242 79,505$542,033$276,187 19.62%$4,169,9432. Grand Total Individual, Group & Other Business 610,931 646,863 7,272,893($192,815,217)$592,995,862 61.17%$654,240,570

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

© 2019 National Association of Insurance Commissioners 35

Page 40: 2018 Accident and Health Policy Experience Report · Health Policy Experience Exhibit, market share data based on this exhibit, and more. The health insurance market is , with a varieexpansivety

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Aggregated Totals for Fraternal

Premiums

countrywide

Earned Claims AmountIncurred

Contract ReservesChange in

Loss Ratio ¹

Part 1 - Individual PoliciesSummary

$646,206,7931. U.S. forms direct business $589,510,191 )$(193,359,249 61.30%$4,169,9432. Other forms direct business $277,764 $542,033 19.66%

$650,376,7363. Total direct business $589,787,955 )$(192,817,216 61.04%$04. Reinsurance assumed $0 $0 N/A

$114,538,3235. Less reinsurance ceded $81,949,919 )$(379,170 71.22%$535,838,4146. Total $507,838,036 )$(192,438,046 58.86%

Part 2 - Group PoliciesSummary

$3,873,3391. U.S. forms direct business $3,091,082 $0 79.80%$02. Other forms direct business $0 $0 N/A

$3,873,3393. Total direct business $3,091,082 $0 79.80%$04. Reinsurance assumed $0 $0 N/A

$280,8275. Less reinsurance ceded $0 $0 0.00%$3,592,5136. Total $3,091,082 $0 86.04%

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

$650,074,0121. U.S. forms direct business $592,601,272 )$(193,358,771 61.41%$4,176,0632. Other forms direct business $277,764 $541,555 19.62%

$654,250,0753. Total direct business $592,879,036 )$(192,817,216 61.15%$04. Reinsurance assumed $0 $0 N/A

$114,819,1505. Less reinsurance ceded $81,949,919 )$(379,170 71.04%$539,430,9266. Total $510,929,117 )$(192,438,046 59.04%

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

© 2019 National Association of Insurance Commissioners 36

Page 41: 2018 Accident and Health Policy Experience Report · Health Policy Experience Exhibit, market share data based on this exhibit, and more. The health insurance market is , with a varieexpansivety

Accident and Health Policy Experience Report

Individual Business

© 2019 National Association of Insurance Commissioners 37

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© 2019 National Association of Insurance Commissioners 38

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Market Share for the Top 125 Insurers

Individual Business

© 2019 National Association of Insurance Commissioners 39

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© 2019 National Association of Insurance Commissioners 40

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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

$89,795,365,439 16,499,728UNITEDHEALTH GRP7071 16,289,44782.11% 17.08% 17.08%$43,439,228,860 9,903,614HUMANA GRP1192 9,706,38581.20% 8.26% 25.34%$39,943,234,333 7,340,623ANTHEM INC GRP6713 7,076,96981.27% 7.60% 32.94%$35,519,034,854 6,109,497CENTENE CORP GRP12954 5,936,40084.53% 6.76% 39.69%$32,720,639,578 10,760,280CVS GRP15 10,742,37782.47% 6.22% 45.92%$20,488,482,756 5,116,989WELLCARE GRP11996 5,116,37584.48% 3.90% 49.81%$16,273,149,504 3,181,934MOLINA HEALTHCARE INC GRP15317 3,074,84179.46% 3.10% 52.91%$14,545,739,021 2,728,190HCSC GRP9178 2,367,68477.10% 2.77% 55.68%$12,630,913,870 2,201,968INDEPENDENCE HLTH GRP INC GRP9369 2,109,16087.31% 2.40% 58.08%$10,795,395,786 1,664,556GUIDEWELL MUT HOLDING GRP53610 1,231,44874.01% 2.05% 60.13%$10,719,306,574 3,363,095CIGNA HLTH GRP90111 3,077,58380.29% 2.04% 62.17%

$9,493,884,115 1,533,935CARESOURCE GRP368312 1,469,71787.25% 1.81% 63.98%$8,061,900,830 1,241,721BCBS OF NJ GRP120213 1,176,31387.03% 1.53% 65.51%$6,055,942,905 813,978HIGHMARK GRP81214 789,70881.66% 1.15% 66.66%$5,936,501,310 810,499UPMC HLTH SYSTEM GRP132415 810,49990.94% 1.13% 67.79%$5,739,028,568 903,795BCBS OF NC GRP75816 696,29970.25% 1.09% 68.88%$5,169,295,435 835,217BCBS OF TN GRP349817 795,87576.14% 0.98% 69.87%$4,961,110,139 751,599KAISER FOUNDATION GRP60118 587,12598.77% 0.94% 70.81%$4,853,108,336 19,272,203AFLAC GRP37019 10,277,82952.39% 0.92% 71.73%$4,420,596,122 794,425BCBS OF MI GRP57220 711,93976.94% 0.84% 72.57%$4,063,597,198 824,352BCBS OF MN GRP46121 816,94484.04% 0.77% 73.35%$3,437,866,377 537,670TUFTS GRP474222 531,85289.00% 0.65% 74.00%$3,425,863,783 402,238UCARE GRP438023 392,62591.73% 0.65% 74.65%$3,375,391,313 2,367,690MUTUAL OF OMAHA GRP26124 2,178,03479.67% 0.64% 75.29%$3,261,402,374 348,336MEDICA GRP155225 294,72677.27% 0.62% 75.91%$3,147,528,474 436,398EMBLEM HLTH GRP112726 403,28486.06% 0.60% 76.51%$2,749,774,405 479,054LIFETIME HLTHCARE GRP118627 470,43897.05% 0.52% 77.04%$2,668,569,974 350,525GEISINGER INS GRP114328 334,38483.37% 0.51% 77.54%$2,621,929,435 157,874HEALTHFIRST INC GRP477829 157,87484.95% 0.50% 78.04%$2,501,166,145 1,051,527GENWORTH FIN GRP401130 953,251156.57% 0.48% 78.52%$2,497,003,117 585,452BLUE SHIELD OF CA GRP279831 558,73187.47% 0.47% 78.99%$2,461,508,718 3,578,852UNUM GRP56532 3,556,709112.40% 0.47% 79.46%$2,441,458,805 539,180BCBS OF AL GRP57033 449,43978.95% 0.46% 79.93%

© 2019 National Association of Insurance Commissioners 41

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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

$2,351,849,818 566,350BCBS OF SC GRP66134 491,07773.43% 0.45% 80.37%$2,291,997,743 394,263BOSTON MEDICAL CENTER HLTH PLAN INC1320335 377,90693.74% 0.44% 80.81%$2,129,730,739 108,605TRIPLE S GRP480236 108,60582.24% 0.41% 81.21%$2,009,203,440 509,059MCLAREN HLTH GRP470037 507,39192.69% 0.38% 81.60%$1,974,698,719 341,152SPECTRUM HLTH GRP338338 313,95785.22% 0.38% 81.97%$1,960,788,257 274,780HEALTH PARTNERS PLANS INC9506639 274,78079.23% 0.37% 82.34%$1,951,142,205 358,194PRESBYTERIAN HLTHCARE SERV GRP48140 354,50484.36% 0.37% 82.72%$1,945,920,405 319,575UNIVERSITY HLTH CARE INC5262141 319,57594.88% 0.37% 83.09%$1,925,014,326 1,075,713NORTHWESTERN MUT GRP86042 1,075,71363.70% 0.37% 83.45%$1,920,324,418 214,898MEDICAL CARD SYSTEM INC GRP130143 212,25682.29% 0.37% 83.82%$1,894,552,584 287,987MVP GRP119844 275,46788.92% 0.36% 84.18%$1,893,897,175 260,705SENTARA HLTH MGMT GRP118345 244,10984.89% 0.36% 84.54%$1,868,223,598 284,662HEALTHPARTNERS GRP125846 258,31089.17% 0.36% 84.89%$1,817,385,106 201,398MAGELLAN HLTH INC GRP126047 201,39859.95% 0.35% 85.24%$1,789,299,268 344,422IHC INC GRP88048 240,86477.64% 0.34% 85.58%$1,678,937,239 434,141TEXAS CHILDRENS HLTH PLAN INC9532949 434,14192.12% 0.32% 85.90%$1,652,176,623 1,396,343CNO FINANCIAL GRP23350 1,151,167111.12% 0.31% 86.21%$1,645,710,183 382,954HARRIS HLTH GRP489251 341,55285.71% 0.31% 86.53%$1,608,002,357 484,258ARKANSAS BCBS GRP87652 369,41477.56% 0.31% 86.83%$1,594,742,170 285,625CAREFIRST INC GRP38053 214,73477.24% 0.30% 87.13%$1,565,713,739 258,203VANGUARD HLTH VENTURES GRP121254 256,65289.05% 0.30% 87.43%$1,480,055,879 450,387BCBS OF MA GRP363755 431,20598.18% 0.28% 87.71%$1,373,104,801 192,747NEIGHBORHOOD HLTH PLAN OF RI INC9540256 192,74790.43% 0.26% 87.97%$1,371,880,894 216,667HAWAII MEDICAL SERV ASSN4994857 211,80885.79% 0.26% 88.24%$1,349,124,463 208,688CAMBIA HEALTH SOLUTIONS INC120758 191,87676.91% 0.26% 88.49%$1,345,081,986 635,417JOHN HANCOCK GRP90459 635,375145.03% 0.26% 88.75%$1,327,182,761 192,368PROVIDENCE HLTH GRP478860 163,57787.66% 0.25% 89.00%$1,289,315,372 142,373INDEPENDENT HLTH ASSN GRP489461 138,70489.96% 0.25% 89.25%$1,187,743,164 133,465FALLON GRP474162 130,64892.09% 0.23% 89.47%$1,106,499,340 192,450LOUISIANA HLTH SERV GRP43863 148,99875.24% 0.21% 89.68%$1,076,135,137 25,667ELDERPLAN INC9566264 25,66785.01% 0.20% 89.89%$1,046,754,843 102,668HEALTH NOW NY INC5520465 100,20186.36% 0.20% 90.09%

$951,454,252 216,234MEDICAL MUT OF OH GRP73066 166,49482.19% 0.18% 90.27%

© 2019 National Association of Insurance Commissioners 42

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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

$939,685,954 3,830,420MCNA GRP473067 3,830,42083.62% 0.18% 90.45%$918,883,762 140,042CDPHP INC GRP470868 138,38787.68% 0.17% 90.62%$918,420,429 140,452SECURITY HLTH PLAN OF WI INC9688169 132,24187.18% 0.17% 90.80%$910,911,077 172,745CAPITAL BLUE CROSS GRP123070 146,69371.37% 0.17% 90.97%$876,856,671 120,165PREMERA BLUE CROSS GRP96271 96,42280.45% 0.17% 91.14%$865,757,978 265,307COMMUNITY HLTH PLAN OF WA4704972 265,30786.94% 0.16% 91.30%$853,977,125 177,266MULBERRY HLTH GRP481873 110,23982.75% 0.16% 91.46%$847,739,061 726,381METROPOLITAN GRP24174 310,620122.81% 0.16% 91.62%$835,320,647 3,894,168TORCHMARK CORP GRP29075 2,596,56062.77% 0.16% 91.78%$814,987,344 1,105,623AEGON US HOLDING GRP46876 785,524130.44% 0.16% 91.94%$804,200,203 355,704WELLMARK INC GRP77077 327,58882.26% 0.15% 92.09%$794,846,255 486,347GUARDIAN LIFE GRP42978 426,09279.24% 0.15% 92.24%$794,183,997 283,366BCBS OF KS GRP43079 241,88183.09% 0.15% 92.39%$768,549,872 111,169NETWORK HLTH GRP267880 109,14987.59% 0.15% 92.54%$756,407,310 128,085BCBS OF RI5347381 114,91582.76% 0.14% 92.68%$747,012,346 330,770MASS MUT LIFE INS GRP43582 339,865137.88% 0.14% 92.82%$743,609,902 64,632ESSENCE HLTHCARE INC1169983 64,63276.62% 0.14% 92.97%$730,831,274 920,436STATE FARM GRP17684 872,98290.39% 0.14% 93.11%$675,002,036 103,219BLUE CROSS OF ID GRP129085 74,90678.77% 0.13% 93.23%$671,048,071 113,260HARVARD PILGRIM HLTH CARE GRP59586 99,84785.08% 0.13% 93.36%$645,057,575 61,515PARTNERS HEALTHCARE SYSTEM GRP493487 51,31389.45% 0.12% 93.48%$641,658,384 138,131BCBS OF AZ INC5358988 105,33565.02% 0.12% 93.61%$632,106,100 48,235VIVA HLTH INC9532289 48,23585.74% 0.12% 93.73%$591,864,656 49,351CHE TRINITY INC GRP283890 49,35180.16% 0.11% 93.84%$586,056,253 0CHUBB LTD GRP62691 058.95% 0.11% 93.95%$581,562,117 64,939CARLE HOLDING CO GRP119292 54,13581.66% 0.11% 94.06%$576,208,810 183,498PARKLAND COMM HLTH PLAN INC9541493 384.96% 0.11% 94.17%$560,389,445 57,166HEALTH FIRST GRP474094 51,05080.95% 0.11% 94.28%$559,828,141 51,159COMMON GROUND HLTHCARE COOP1506195 37,82267.20% 0.11% 94.38%$556,373,651 96,475MEDSTAR FAMILY CHOICE1422796 96,47589.00% 0.11% 94.49%$552,038,477 0MEDISUN INC9598297 086.15% 0.10% 94.59%$530,130,788 49,268AVMED INC9526398 40,11087.24% 0.10% 94.70%$529,292,310 50,399HENRY FORD HLTH SYSTEM GRP131199 47,19394.87% 0.10% 94.80%

© 2019 National Association of Insurance Commissioners 43

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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

$513,978,122 135,011COMMUNITY FIRST GRP2738100 134,87593.08% 0.10% 94.89%$509,238,881 103,856HEALTH PLAN GRP1297101 103,69993.72% 0.10% 94.99%$489,818,814 210,733PRINCIPAL FIN GRP332102 206,31355.47% 0.09% 95.08%$486,500,725 54,332PACIFICSOURCE HLTH PLAN GRP4704103 44,41981.47% 0.09% 95.18%$456,195,065 97,439DEAN HLTH GRP1294104 86,34186.75% 0.09% 95.26%$440,686,745 146,475CHILDRENS COMM HLTH PLAN INC13739105 139,70280.22% 0.08% 95.35%$439,629,240 80,241UNIVERSITY HLTH CARE & GUNDERSEN LUT4870106 74,42389.78% 0.08% 95.43%$433,293,800 41,849SANFORD HLTH GRP1246107 33,67891.73% 0.08% 95.51%$425,668,895 37,242ALLIANT HLTH PLANS INC11256108 24,27468.59% 0.08% 95.59%$421,286,002 63,661CATHOLIC HLTH INITIATIVES GRP4807109 61,89275.61% 0.08% 95.67%$409,861,696 358,471PHYSICIANS MUT GRP367110 323,72876.87% 0.08% 95.75%$401,895,705 102,453FIRSTCARE GRP3549111 95,87193.11% 0.08% 95.83%$400,397,535 286,457AMERICAN ENTERPRISE MUT GRP3527112 271,64374.90% 0.08% 95.90%$398,885,511 83,270SCOTT & WHITE GRP600113 81,44286.49% 0.08% 95.98%$397,995,118 53,012BAYSTATE HLTH GRP4756114 50,89492.02% 0.08% 96.06%$379,983,398 0ENVISION INS CO12747115 565,94692.86% 0.07% 96.13%$377,620,631 33,906KS PLAN ADMINISTRATORS LLC12827116 33,90691.51% 0.07% 96.20%$375,610,196 261,443NEW ERA LIFE GRP520117 206,71273.59% 0.07% 96.27%$374,237,231 0ALOHA CARE95853118 087.94% 0.07% 96.34%$362,958,252 532,304COLORADO ACCESS GRP4781119 532,30474.58% 0.07% 96.41%$357,448,414 32,425CLOVER HLTH GRP4918120 32,42594.66% 0.07% 96.48%$357,012,931 250,600THRIVENT FINANCIAL FOR LUTHERANS GRP2938121 236,12447.27% 0.07% 96.55%$350,239,796 151,928UNITED SERV AUTOMOBILE ASSN GRP200122 151,92877.01% 0.07% 96.61%$345,461,672 215,058CONTINENTAL GEN INS CO71404123 173,775213.58% 0.07% 96.68%$343,593,094 89,767NORIDIAN MUT INS CO55891124 73,35483.80% 0.07% 96.75%$341,188,280 420,784MANHATTAN LIFE GRP1117125 358,65386.87% 0.06% 96.81%

$525,761,532,261 156,525,877GRAND TOTAL 137,210,89683.96% 100.00%

© 2019 National Association of Insurance Commissioners 44

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Top 25 Groups by Company Individual Business

© 2019 National Association of Insurance Commissioners 45

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© 2019 National Association of Insurance Commissioners 46

Page 51: 2018 Accident and Health Policy Experience Report · Health Policy Experience Exhibit, market share data based on this exhibit, and more. The health insurance market is , with a varieexpansivety

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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

$89,795,365,439 16,499,72816,289,447UNITEDHEALTH GRP7071 82.11% 17.08%$7,264,145 22ALL SAVERS INS CO82406 (44.55)%

$2,714,463,416 469,999469,999AMERICHOICE OF NJ INC95497 88.05%$1,701,773,705 127,890127,890CARE IMPROVEMENT PLUS OF TX INS CO12558 84.73%$1,673,820,191 121,468121,468CARE IMPROVEMENT PLUS S CENTRAL INS12567 78.12%

$242,822,055 20,32620,326CARE IMPROVEMENT PLUS WI INS CO14041 77.31%$306,220,263 515,787354,458GOLDEN RULE INS CO62286 48.44%

)$(25,720 00HARKEN HLTH INS CO79480 0.00%$1,984,228,756 351,004335,515HEALTH PLAN OF NV96342 80.26%

$14,347,347 1,6151,615MAMSI LIFE & HLTH INS CO60321 74.53%$0 00MEDICA HLTH PLANS OF FL INC12756 N/A

$661,663,913 45,96945,969MEDICA HLTHCARE PLANS INC12155 84.11%$30,791 311183NATIONAL PACIFIC DENTAL INC95251 95.19%

$0 00NEIGHBORHOOD HLTH PARTNERSHIP INC95123 N/A$290,677 1,8091,094NEVADA PACIFIC DENTAL INC95758 71.41%

$1,196 22OPTUM INS OF OH INC69647 19.15%$34,553,777 512425OXFORD HLTH INS INC78026 93.66%

$1,606,305,207 145,618145,618OXFORD HLTH PLANS CT INC96798 78.88%$550,974,640 40,61140,611OXFORD HLTH PLANS NJ INC95506 78.40%$878,541,702 85,48885,488OXFORD HLTH PLANS NY INC95479 86.99%

$9,333,942 3,1053,105PACIFICARE LIFE & HLTH INS CO70785 78.48%$0 00PACIFICARE LIFE ASSUR CO84506 N/A

$2,228,888 00PACIFICARE OF AZ INC95617 (82.22)%$2,856,639,263 265,996265,996PACIFICARE OF CO INC95434 81.82%

$661,508 00PACIFICARE OF NV INC95685 (6.55)%$843,665,247 00PEOPLES HLTH INC13607 85.00%$982,993,589 77,07277,072PHYSICIANS HLTH CHOICE OF TX LLC11494 89.56%

$2,260,527,319 187,190187,190PREFERRED CARE PARTNERS INC11176 82.40%$308,113,712 64,19663,647ROCKY MOUNTAIN HMO INC95482 76.71%$660,961,425 80,40072,567SIERRA HLTH & LIFE INS CO INC71420 83.00%$541,547,182 740,191740,191SYMPHONIX HLTH INS INC84549 77.05%

© 2019 National Association of Insurance Commissioners 47

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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

$1,126,106,723 222,276222,276UNITED HLTH CARE OF MS INC957161 86.50%$2,486,830,228 736,707736,658UNITED HLTHCARE INS CO OF NY60093 78.97%

$893,037,335 221,137221,137UNITED HLTHCARE MID ATLANTIC INC95025 78.05%$82,159,356 8,8518,851UNITED HLTHCARE OF AL INC95784 85.74%$41,446,115 4,8254,825UNITED HLTHCARE OF AR INC95446 78.94%

$206,685 1816UNITED HLTHCARE OF AZ INC96016 (50.78)%)$(1,812 00UNITED HLTHCARE OF CO INC95090 0.00%

$1,864,991,786 271,364271,364UNITED HLTHCARE OF FL INC95264 87.44%$132,179,136 14,74514,745UNITED HLTHCARE OF GA INC95850 89.00%

$58,655 43UNITED HLTHCARE OF KY LTD96644 22.22%$2,210,782,458 443,689443,689UNITED HLTHCARE OF LA INC95833 84.68%$3,063,776,837 320,436320,436UNITED HLTHCARE OF MIDLANDS INC95591 79.99%

)$(675,567 929UNITED HLTHCARE OF OH INC95186 0.00%$796,595,542 76,97676,976UNITED HLTHCARE OF UT INC95501 86.05%

$3,539,077,135 246,719246,719UNITEDHEALTHCARE BENEFITS OF TX INC95174 86.92%$876,518,410 248,924248,924UNITEDHEALTHCARE COMM PLAN INC95467 78.57%

$2,537,562,898 304,233304,233UNITEDHEALTHCARE COMM PLAN OF OH INC12323 80.43%$2,567,232,563 270,374270,374UNITEDHEALTHCARE COMM PLAN OF TX LLC11141 90.33%

$21,480,294,174 6,209,1966,204,367UNITEDHEALTHCARE INS CO79413 80.22%$369,590,763 35,03435,034UNITEDHEALTHCARE INS CO OF THE RIVER12231 84.24%

$18,498,223 57,31140,086UNITEDHEALTHCARE LIFE INS CO97179 18.38%$15,675 33UNITEDHEALTHCARE OF IL INC95776 81.24%

$1,847,304,680 318,253318,253UNITEDHEALTHCARE OF MIDWEST INC96385 82.54%$5,839,280 88UNITEDHEALTHCARE OF NC INC95103 24.57%

$1,148,617,897 151,641151,641UNITEDHEALTHCARE OF NEW ENGLAND INC95149 83.71%$544,996,002 1,6911,691UNITEDHEALTHCARE OF NM INC13214 75.18%

$5,344,153,001 794,302792,237UNITEDHEALTHCARE OF NY INC95085 81.61%$1,398,228,873 132,661132,661UNITEDHEALTHCARE OF OR INC95893 80.74%$1,242,362,810 258,121258,121UNITEDHEALTHCARE OF PA INC95220 78.99%

$31,114 33UNITEDHEALTHCARE OF TX INC95765 384.27%$692,113,308 208,228208,228UNITEDHEALTHCARE OF WA INC48038 80.33%

© 2019 National Association of Insurance Commissioners 48

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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

$6,309,310,726 657,641657,641UNITEDHEALTHCARE OF WI INC957101 77.82%$5,966,942,472 906,411906,411UNITEDHEALTHCARE PLAN OF THE RIVER V95378 88.89%

$365,233,822 31,37631,376UNITEDHEATHCARE OF OK INC96903 80.34%

$43,439,228,860 9,903,6149,706,385HUMANA GRP1192 81.20% 8.26%$3,416,382,175 323,274323,274ARCADIAN HLTH PLAN INC12151 82.93%$1,771,316,132 117,933117,933CAREPLUS HLTH PLANS INC95092 80.62%$1,402,860,288 117,477117,477CARITEN HLTH PLAN INC95754 77.10%

$190,243,336 21,10621,106CHA HMO INC95158 85.82%$14,057,926 116,80182,208COMPBENEFITS CO52015 34.43%

$4,743,798 28,55521,066COMPBENEFITS DENTAL INC11228 53.65%$3,172,764 18,89013,692COMPBENEFITS INS CO60984 81.22%$7,216,595 37,85228,000DENTICARE INC95161 40.21%

$1,558,195,385 151,491151,491HUMANA BENEFIT PLAN OF IL INC60052 84.39%$543,717,920 83,85274,692HUMANA EMPLOYERS HLTH PLAN GA INC95519 82.98%

$1,550,445,633 154,822153,489HUMANA HLTH BENEFIT PLAN OF LA INC95642 83.00%$197,385,289 21,14621,146HUMANA HLTH CO OF NY INC13558 97.06%

$14,365,100 6,4476,447HUMANA HLTH INS CO OF FL INC69671 71.61%$3,914,785,423 434,718434,717HUMANA HLTH PLAN INC95885 86.55%

)$(1,176,959 00HUMANA HLTH PLAN OF CA INC16280 0.00%$279,617 00HUMANA HLTH PLAN OF OH INC95348 (939.10)%

)$(2,071,113 00HUMANA HLTH PLAN OF TX INC95024 0.00%$266,009,439 30,16330,163HUMANA HLTH PLANS OF PR95721 91.42%

$17,243,548,213 6,811,3196,719,373HUMANA INS CO73288 77.87%$12,192,367 5,0985,098HUMANA INS CO OF KY60219 76.61%

$226,785,026 165,261163,456HUMANA INS CO OF NY12634 73.41%$13,293,860 9,2989,298HUMANA INS CO OF PR INC84603 79.34%

$8,153,766,132 806,560806,560HUMANA MEDICAL PLAN INC95270 83.42%$88,678,193 10,27610,276HUMANA MEDICAL PLAN OF MI INC14224 83.21%

)$(191,275 00HUMANA MEDICAL PLAN OF PA INC14462 0.00%$29,797,865 3,6343,634HUMANA MEDICAL PLAN OF UT INC12908 74.40%

© 2019 National Association of Insurance Commissioners 49

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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

)$(177,215 00HUMANA REGIONAL HLTH PLAN INC122822 0.00%$2,460,022,368 222,621222,621HUMANA WI HLTH ORG INS CORP95342 84.65%

$70,087,094 153,388121,089HUMANADENTAL INS CO70580 69.55%$285,590,140 35,30435,304INDEPENDENT CARE HLTH PLAN11695 80.28%

$3,907,344 16,32812,775THE DENTAL CONCERN INC54739 45.66%

$39,943,234,333 7,340,6237,076,969ANTHEM INC GRP6713 81.27% 7.60%$7,347,005 689689AMERICAS 1ST CHOICE OF SC INC15544 88.70%

$15,648,545 1,5451,545AMERIGROUP COMM CARE OF NM INC12354 57.42%$220,060,143 46,87846,878AMERIGROUP DC INC16168 56.32%

$1,014,430,388 152,030152,030AMERIGROUP INS CO14078 82.18%$1,445,400,390 201,969201,969AMERIGROUP IOWA INC15807 91.94%$1,078,908,575 117,835117,835AMERIGROUP KS INC14276 86.92%$1,138,831,618 268,431268,431AMERIGROUP LA INC14064 84.52%$1,113,417,423 275,245275,245AMERIGROUP MD INC95832 78.10%$1,381,153,142 178,434178,434AMERIGROUP NJ INC95373 82.63%

$652,443,936 187,438187,438AMERIGROUP NV INC12586 80.80%$0 00AMERIGROUP OH INC DBA COMM CARE10767 N/A

$1,739,016,055 381,004381,004AMERIGROUP TN INC12941 82.79%$4,245,257,431 668,002668,002AMERIGROUP TX INC95314 85.73%

$491,088,481 152,976152,976AMERIGROUP WASHINGTON INC14073 81.86%$1,233,583,844 384,902384,902AMGP GA MANAGED CARE CO INC12229 78.49%

$667,963,688 256,254210,056ANTHEM BLUE CROSS LIFE & HLTH INS CO62825 83.41%$825,443,126 121,317106,798ANTHEM HLTH PLANS INC60217 81.41%$545,236,822 164,776136,091ANTHEM HLTH PLANS OF KY INC95120 72.51%

$73,657,021 23,74122,619ANTHEM HLTH PLANS OF ME INC52618 74.03%$263,209,446 56,59753,407ANTHEM HLTH PLANS OF NH53759 79.78%$466,181,622 177,860159,160ANTHEM HLTH PLANS OF VA INC71835 70.23%

$4,527,243,505 783,801777,779ANTHEM INS CO INC28207 82.99%$746,423,164 131,310131,310ANTHEM KY MANAGED CARE PLAN INC15543 86.17%

$2,097 827ANTHEM LIFE INS CO61069 146.54%

© 2019 National Association of Insurance Commissioners 50

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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

$756,802,039 66,44146,876BCBS HLTHCARE PLAN OF GA INC969623 57.62%$171,923,149 93,49484,877BCBS OF GA INC54801 75.31%

$76,023,169 27,26625,461BCBS OF WI54003 67.28%$166,434,862 13,65113,651CAREMORE HLTH PLAN OF AZ INC13562 76.15%

$81,238,847 320,871320,871CCHA LLC16345 93.34%$2,070,613,710 268,698252,568COMMUNITY INS CO10345 78.18%

$486,211,172 115,668114,627COMPCARE HLTH SERV INS CORP95693 74.76%$390,869,693 49,52041,788EMPIRE HEALTHCHOICE ASSUR INC55093 90.28%$862,230,709 73,03173,030EMPIRE HEALTHCHOICE HMO INC95433 89.33%

$1,105,810,172 78,80478,804FREEDOM HLTH INC10119 73.23%$897,009,156 00HEALTH SUN HLTH PLANS10122 84.04%

$2,730,120,363 394,828374,551HEALTHKEEPERS INC95169 85.10%$598,884,019 123,63193,190HEALTHY ALLIANCE LIFE INS CO78972 64.70%$676,143,782 62,66645,189HMO CO INC95473 69.73%

$95,960,295 10,27210,267HMO MO INC95358 76.37%$340,704,135 48,22838,476MATTHEW THORTON HLTH PLAN INC95527 59.93%$731,542,592 59,58959,589OPTIMUM HLTHCARE INC12259 72.23%$174,480,345 76,50264,475ROCKY MOUNTAIN HOSPITAL & MEDICAL11011 77.99%

$3,171,741,065 582,082582,082SIMPLY HLTHCARE PLANS INC13726 83.91%$449,020,262 137,088137,088UNICARE HLTH PLAN OF WV INC11810 81.58%

$17,523,330 5,1774,904UNICARE LIFE & HLTH INS CO80314 80.55%

$35,519,034,854 6,109,4975,936,400CENTENE CORP GRP12954 84.53% 6.76%$544,918,302 121,665121,665ABSOLUTE TOTAL CARE INC12959 87.64%$498,883,470 59,43844,872AMBETTER OF MAGNOLIA INC15762 65.84%

$1,144,207,981 170,041110,301AMBETTER OF PEACH STATE INC15729 70.42%$2,096,286,079 512,329512,329BANKERS RESERVE LIFE INS CO OF WI71013 88.78%

$13,807,815 595595BRIDGEWAY HLTH SOLUTIONS OF AZ INC16310 8.42%$2,563,871,246 352,183346,740BUCKEYE COMM HLTH PLAN INC11834 81.33%

$9,223,627 1,1451,145BUCKEYE HLTH PLAN COMM SOLUTIONS INC16112 104.82%$4,853,910,396 751,143751,143CELTIC INS CO80799 72.04%

© 2019 National Association of Insurance Commissioners 51

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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

$29,607,091 00CELTICARE HLTH PLAN OF MA INC136324 59.18%$1,730,233,058 293,957272,671COORDINATED CARE CORP95831 83.71%

$596,970,097 190,974190,974COORDINATED CARE OF WA INC15352 93.45%$290,196,302 59,89459,894GRANITE STATE HLTH PLAN INC14226 92.03%

$32,048,066 36,28636,286HEALTH NET COMM SOLUTIONS OF AZ15895 77.20%$347,015,826 38,64338,437HEALTH NET HLTH PLAN OF OR INC95800 88.94%$815,495,118 136,646113,575HEALTH NET LIFE INS CO66141 82.26%$875,053,292 111,71876,041HEALTH NET OF AZ INC95206 78.18%$919,576,499 235,138235,138HOME STATE HLTH PLAN INC14218 90.65%

$1,831,248,272 360,174360,174ILLINICARE HLTH PLAN INC14053 89.97%$0 00KENTUCKY SPIRIT HEALTH PLAN INC14100 N/A

$2,280,753,809 469,583469,583LOUISIANA HEALTHCARE CONNECTIONS INC13970 84.39%$1,281,098,885 238,221238,221MAGNOLIA HLTH PLAN INC13923 89.44%

$120,993,618 40,06340,063MANAGED HLTH SERV INS CORP96822 145.61%$63,740,249 2,4172,417MICHIGAN COMPLETE HLTH INC10769 86.21%

$449,984,918 82,82482,824NEBRASKA TOTAL CARE INC15902 93.55%$1,090,768,144 368,936368,936PEACH STATE HLTH PLAN INC12315 79.67%

$483,429,559 22,78022,780PENNSYLVANIA HLTH & WELLNESS INC16041 96.18%$375,070,792 76,05068,312SILVERSUMMIT HEALTHPLAN INC16143 83.36%

$1,356,684,722 152,108146,738SUNFLOWER STATE HLTH PLAN INC14345 82.68%$21,733,435 2,6682,668SUNSHINE HLTH COMM SOLUTIONS INC15927 117.31%

$3,946,721,011 592,665592,665SUNSHINE STATE HLTH PLAN INC13148 93.32%$10,338,438 1,2571,257SUPERIOR HEALTHPLAN COMM SOLUTIONS I15912 99.47%

$4,328,771,797 534,293534,293SUPERIOR HLTHPLAN INC95647 87.67%$516,392,940 93,66393,663TRILLIUM COMM HLTH PLAN INC12559 96.15%

$32,720,639,578 10,760,28010,742,377CVS GRP15 82.47% 6.22%$1,159,554 00ACCENDO INS CO63444 (167.06)%

$0 00AETNA BETTER HLTH INC13174 N/A$194,470,905 7,2477,247AETNA BETTER HLTH INC14043 81.84%$364,601,583 58,38658,386AETNA BETTER HLTH INC15611 83.63%

© 2019 National Association of Insurance Commissioners 52

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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

$1,013,885,353 199,493199,493AETNA BETTER HLTH INC137355 76.52%$961,106,246 25,01525,015AETNA BETTER HLTH INC14229 76.12%$635,055,355 119,494119,494AETNA BETTER HLTH INC15616 84.53%

$1,121,827,068 224,908224,908AETNA BETTER HLTH OF KY INS CO15761 82.84%$294,148,346 45,03245,032AETNA BETTER HLTH OF MI INC12193 79.46%

$953,452 00AETNA BETTER HLTH OF MO LLC95318 (307.16)%$314,885,615 88,10988,109AETNA BETTER HLTH OF TX INC95040 80.70%

$15,492,762 1,4841,484AETNA HEALTH INC LA95173 88.88%$354,141,850 214,404214,404AETNA HLTH & LIFE INS CO78700 83.39%$155,185,419 15,26815,268AETNA HLTH INC CT CORP95935 86.20%$894,872,424 59,95459,835AETNA HLTH INC FL CORP95088 81.47%

$55,517,694 5,4195,419AETNA HLTH INC GA CORP95094 89.65%$53,935,942 6,3526,352AETNA HLTH INC ME CORP95517 74.38%

$0 00AETNA HLTH INC MI CORP95756 N/A$553,230,063 44,76044,760AETNA HLTH INC NJ CORP95287 85.10%$118,327,292 10,92110,921AETNA HLTH INC NY CORP95234 89.80%

$1,741,021,192 182,813174,340AETNA HLTH INC PA CORP95109 77.44%$377,365,181 38,31238,312AETNA HLTH INC TX CORP95490 92.46%

$20,714,706 17,48717,487AETNA HLTH INS CO72052 72.15%$4,221,055 00AETNA HLTH OF IA INC95241 (101.80)%

$52,080,354 6,3836,383AETNA HLTH OF UTAH INC95407 86.55%$13,205,030,480 2,725,1112,724,407AETNA LIFE INS CO60054 83.00%

$455,068,518 201,405201,405AMERICAN CONTINENTAL INS CO12321 80.71%$501,101,795 318,098311,288CONTINENTAL LIFE INS CO BRENTWOOD68500 77.65%

$1,621,139,642 162,732162,732COVENTRY HLTH & LIFE INS CO81973 82.23%$474,793,072 102,046102,046COVENTRY HLTH CARE OF FL INC95114 117.99%$231,182,879 24,32724,327COVENTRY HLTH CARE OF IL INC74160 80.61%

$57,426 00COVENTRY HLTH CARE OF KS INC95489 (125.30)%$894,539,957 83,17683,176COVENTRY HLTH CARE OF MO INC96377 83.69%

$1,023,402 00COVENTRY HLTH CARE OF NE INC95925 (262.87)%$733,144,004 93,02493,024COVENTRY HLTH CARE OF VA INC96555 90.48%

© 2019 National Association of Insurance Commissioners 53

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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

$634,587,407 125,717125,717COVENTRY HLTH CARE OF W VA INC954085 85.02%)$(16,421 00COVENTRY HLTH PLAN OF FL INC95266 0.00%

$536,531,102 573,381573,381FIRST HLTH LIFE & HLTH INS CO90328 63.44%$775,671,351 70,20170,201HEALTHASSURANCE PA INC11102 77.48%

$444,809 00INNOVATION HLTH INS CO15097 (2,488.75)%$15,569,844 50,82049,023PENNSYLVANIA LIFE INS CO67660 108.48%

$3,342,570,900 4,859,0014,859,001SILVERSCRIPT INS CO12575 83.14%

$20,488,482,756 5,116,9895,116,375WELLCARE GRP11996 84.48% 3.90%$616,077,076 62,26561,651AMERICAN PROGRESSIVE L&H INS OF NY80624 85.93%

$1,652,722,203 308,776308,776HARMONY HLTH PLAN INC11229 80.40%$2,396,452,685 622,036622,036MERIDIAN HLTH PLAN OF IL INC13189 97.20%$1,937,285,600 519,373519,373MERIDIAN HLTH PLAN OF MI INC52563 91.74%

$767,508,053 250,759250,759MISSOURI CARE INC12913 84.61%$22,817,855 1,9431,943SELECTCARE HLTH PLANS INC10768 77.92%

$870,889,278 64,55664,556SELECTCARE OF TX INC10096 82.14%$711,796,317 63,71963,719WELLCARE HLTH INS OF AZ INC83445 83.55%

$3,027,563,414 551,644551,644WELLCARE HLTH INS OF KY INC64467 83.76%$491,953 7979WELLCARE HLTH INS OF NY INC10884 101.52%

)$(383 00WELLCARE HLTH PLANS OF KY INC15510 0.00%$717,063,650 76,16776,167WELLCARE HLTH PLANS OF NJ INC13020 84.49%

$99,841,918 8,6838,683WELLCARE OF CT INC95310 87.64%$3,757,832,380 872,712872,712WELLCARE OF FL INC95081 80.40%$2,078,907,984 543,796543,796WELLCARE OF GA INC10760 81.75%

$341,372,249 79,61179,611WELLCARE OF NE INC15951 83.90%$0 00WELLCARE OF OH INC12749 N/A

$304,233,253 78,79078,790WELLCARE OF SC INC11775 81.24%$423,222,152 49,26049,260WELLCARE OF TX INC12964 80.83%$762,405,119 962,820962,820WELLCARE PRESCRIPTION INS INC10155 70.91%

$16,273,149,504 3,181,9343,074,841MOLINA HEALTHCARE INC GRP15317 79.46% 3.10%

© 2019 National Association of Insurance Commissioners 54

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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

$1,846,188,827 312,840303,836MOLINA HLTHCARE OF FL INC131287 80.22%$1,009,243,238 223,677223,677MOLINA HLTHCARE OF IL INC14104 82.78%$1,790,315,944 383,277379,000MOLINA HLTHCARE OF MI52630 77.00%

$22,833,124 25,54625,546MOLINA HLTHCARE OF MS INC16301 84.48%$1,430,833,750 222,396216,180MOLINA HLTHCARE OF NM95739 81.76%$2,597,211,952 301,811297,395MOLINA HLTHCARE OF OH INC12334 78.53%

$711,042,444 252,456252,456MOLINA HLTHCARE OF PR INC15600 83.98%$525,465,386 119,503119,503MOLINA HLTHCARE OF SC INC LLC15329 82.54%

$3,290,625,505 401,977325,953MOLINA HLTHCARE OF TX INC10757 75.83%$37,259,766 20,59420,594MOLINA HLTHCARE OF TX INS CO13778 73.79%

$384,289,243 77,39177,391MOLINA HLTHCARE OF UT INC DBA AMFAM95502 70.29%$16,891 00MOLINA HLTHCARE OF VA INC15133 23.84%

$2,470,423,081 781,467774,311MOLINA HLTHCARE OF WA INC96270 84.12%$157,400,353 58,99958,999MOLINA HLTHCARE OF WI INC12007 66.54%

$14,545,739,021 2,728,1902,367,684HCSC GRP9178 77.10% 2.77%$123,476 19084DEARBORN NATL LIFE INS CO71129 140.54%

$36,748,048 4,1234,123GHS HMO INC DBA BLUELINCS HMO11814 89.69%$52,860,945 5,8475,847GHS INS CO29718 97.02%

$1,460,021,422 511,399511,399HCSC INS SERV CO78611 86.76%$12,995,985,130 2,206,6311,846,231HEALTH CARE SERV CORP A MUT LEGAL RE70670 75.90%

$12,630,913,870 2,201,9682,109,160INDEPENDENCE HLTH GRP INC GRP9369 87.31% 2.40%$563,484,513 122,878122,878AMERIHEALTH CARITAS DC INC15088 87.29%

$2,831,245 00AMERIHEALTH CARITAS IA INC15800 (597.74)%$1,100,184,370 209,387209,387AMERIHEALTH CARITAS LA INC14143 84.67%

$70,856,148 11,5257,332AMERIHEALTH HMO INC95044 71.86%$470,236,704 95,24466,661AMERIHEALTH INS CO OF NJ60061 74.58%

$75,596,056 2,8922,892AMERIHEALTH MI INC15104 97.39%$1,207,944,730 320,649320,649FLORIDA TRUE HLTH INC14378 93.16%

$36,627,784 25,16525,026INDEPENDENCE HOSPITAL IND PLAN INC54704 84.24%

© 2019 National Association of Insurance Commissioners 55

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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

$2,152 00INTER CNTY HLTH PLAN INC532529 (390.38)%$51,239 00INTER CTY HOSPITALIZATION PLAN INC54763 18.74%

$2,120,507,302 253,284205,733KEYSTONE HLTH PLAN E INC95056 77.23%$506,819,207 43,30030,958QCC INS CO93688 68.55%

$1,465,959,101 382,171382,171SELECT HLTH OF SC INC95458 87.75%$5,009,813,319 735,473735,473VISTA HLTH PLAN INC96660 94.19%

$10,795,395,786 1,664,5561,231,448GUIDEWELL MUT HOLDING GRP53610 74.01% 2.05%$5,890,807,765 804,921620,664BCBS OF FL98167 74.03%

$108,200,203 9,7679,767BEHEALTHY FLORIDA INC15118 87.44%$52,248,857 158,331107,691FLORIDA COMBINED LIFE INS CO INC76031 59.74%

$421,726,778 48,98438,633FLORIDA HLTH CARE PLAN INC13567 81.93%$4,322,412,183 642,553454,693HEALTH OPTIONS INC95089 73.04%

$10,719,306,574 3,363,0953,077,583CIGNA HLTH GRP90111 80.29% 2.04%$400,914,964 211,671211,671AMERICAN RETIREMENT LIFE INS CO88366 85.58%$258,532,902 18,18718,187BRAVO HLTH MID ATLANTIC INC10095 94.26%$622,954,243 42,05442,054BRAVO HLTH PA INC11524 82.55%

$52,095 159105CIGNA DENTAL HLTH OF CO INC11175 64.43%$1,639 43CIGNA DENTAL HLTH OF DE INC95380 138.93%

$650,664 00CIGNA DENTAL HLTH OF FL INC52021 42.73%$28,435 8258CIGNA DENTAL HLTH OF KS INC52024 53.20%$68,624 209134CIGNA DENTAL HLTH OF KY INC52108 47.36%$64,288 186135CIGNA DENTAL HLTH OF MD INC48119 46.91%$50,010 154101CIGNA DENTAL HLTH OF MO INC11160 62.29%$90,787 273176CIGNA DENTAL HLTH OF NC INC95179 104.21%

$117,814 373242CIGNA DENTAL HLTH OF NJ INC11167 46.28%$64,905 204132CIGNA DENTAL HLTH OF OH INC47805 54.15%$59,922 179128CIGNA DENTAL HLTH OF PA INC47041 36.10%

$115,607 357231CIGNA DENTAL HLTH OF TX INC95037 32.49%$61,636 180119CIGNA DENTAL HLTH OF VA INC52617 45.05%

© 2019 National Association of Insurance Commissioners 56

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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

$113,070 327230CIGNA DENTAL HLTH PLAN OF AZ INC4701311 32.71%$3,027,810,361 1,590,9741,381,076CIGNA HLTH & LIFE INS CO67369 72.36%

$13,147,576 1,026765CIGNA HLTHCARE OF AZ INC95125 88.99%$13,468 11CIGNA HLTHCARE OF CT INC95660 211.31%

$6,500 11CIGNA HLTHCARE OF FL INC95136 1,303.29%$82,393,752 21,51715,960CIGNA HLTHCARE OF IL INC95602 55.34%

$100,895,493 14,78410,369CIGNA HLTHCARE OF NC INC95132 61.01%$4,322,660 3331CIGNA HLTHCARE OF NJ INC95500 184.03%

$21,614 11CIGNA HLTHCARE OF TN INC95606 1.87%$747,859 2117CIGNA HLTHCARE OF TX INC95383 58.12%$308,270 445445CIGNA LIFE INS CO OF NY64548 1.11%

$4,058,589 1,3941,253CIGNA NATL HLTH INS CO61727 66.03%$161,275,348 49,05326,874CONNECTICUT GEN LIFE INS CO62308 84.71%

$4,144,217,540 298,647298,647HEALTHSPRING LIFE & HLTH INS CO INC12902 82.25%$820,454,318 46,92346,923HEALTHSPRING OF FL INC11532 85.68%

$5,255,187 6,7595,512LIFE INS CO OF N AMER65498 24.06%$261,148,498 259,310218,120LOYAL AMER LIFE INS CO65722 71.98%$103,533,027 85,90185,901MEDCO CONTAINMENT INS CO OF NY34720 88.61%$639,070,386 688,607688,607MEDCO CONTAINMENT LIFE INS CO63762 95.04%

$6,958,686 1,5931,593PROVIDENT AMER LIFE & HLTH INS CO67903 65.83%$59,725,837 21,50621,781STERLING LIFE INS CO77399 72.07%

$9,493,884,115 1,533,9351,469,717CARESOURCE GRP368312 87.25% 1.81%$8,366,054,909 1,321,7931,297,387CARESOURCE95201 87.28%

$793,837,699 160,706137,611CARESOURCE IN10142 87.44%$283,579,995 45,20430,160CARESOURCE KY CO15479 84.58%

$50,411,512 6,2324,559CARESOURCE W VA CO15728 95.99%

$8,061,900,830 1,241,7211,176,313BCBS OF NJ GRP120213 87.03% 1.53%$1,055,776 5,8175,817HORIZON HLTHCARE DENTAL INC11146 180.91%

$5,373,410,880 863,727863,727HORIZON HLTHCARE OF NJ INC95529 86.90%

© 2019 National Association of Insurance Commissioners 57

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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

$1,344,351,010 176,905111,497HORIZON HLTHCARE SERV INC5506913 82.02%$1,343,083,164 195,272195,272HORIZON INS CO14690 92.50%

$6,055,942,905 813,978789,708HIGHMARK GRP81214 81.66% 1.15%$6,228,638 751476FIRST PRIORITY LIFE INS CO INC60147 61.48%

$2,358,454,149 335,514335,514GATEWAY HLTH PLAN INC96938 85.05%$109,340,271 9,9449,944GATEWAY HLTH PLAN OF OH INC12325 88.90%$227,294,515 30,56322,723HIGHMARK BCBSD INC53287 68.31%

$426,927 10864HIGHMARK BENEFITS GRP INC15508 87.58%$83,203 8585HIGHMARK CAS INS CO35599 1,793.15%

$1,293,558,067 106,730104,944HIGHMARK CHOICE CO95048 81.89%$77,546 106HIGHMARK COVERAGE ADVANTAGE INC15507 89.05%

$313,728,676 108,156106,910HIGHMARK INC54771 79.45%$711,041 33HIGHMARK SELECT RESOURCES INC10131 (57.01)%

$836,767,892 70,18670,186HIGHMARK SENIOR HLTH CO15460 81.44%$43,685,647 2,9912,991HIGHMARK SENIOR SOLUTIONS CO15459 82.63%

$222,556,405 23,47618,546HIGHMARK WEST VIRGINIA INC.54828 71.93%$206,797,723 44,60640,043HM HLTH INS CO71768 60.50%

$98,508,417 18,06714,485HMO OF NE PA96601 73.14%$337,723,788 62,78862,788WEST VIRGINIA FAMILY HLTH PLAN INC15020 88.27%

$5,936,501,310 810,499810,499UPMC HLTH SYSTEM GRP132415 90.94% 1.13%$3,404,808,116 491,100491,100UPMC FOR YOU INC11995 93.40%

$18,481 33UPMC HLTH COVERAGE INC15451 2.48%$97,964,807 9,2219,221UPMC HLTH NTWRK INC11994 84.25%

$764,534,445 127,992127,992UPMC HLTH OPTIONS INC15345 89.36%$1,669,175,461 182,183182,183UPMC HLTH PLAN INC95216 87.05%

$5,739,028,568 903,795696,299BCBS OF NC GRP75816 70.25% 1.09%$5,739,028,568 903,795696,299BCBS OF NC INC54631 70.25%

© 2019 National Association of Insurance Commissioners 58

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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

$5,169,295,435 835,217795,875BCBS OF TN GRP349817 76.14% 0.98%$2,593,351,608 314,927276,577BCBS OF TN INC54518 68.03%

)$(18,240 00SECURITYCARE OF TN INC15005 0.00%$2,575,962,067 520,290519,298VOLUNTEER STATE HLTH PLAN INC14046 84.31%

$4,961,110,139 751,599587,125KAISER FOUNDATION GRP60118 98.77% 0.94%$377,907,036 58,53355,263KAISER FOUND HLTH PLAN INC HI REGION11538 118.38%

$1,052,860,463 213,324164,086KAISER FOUND HLTH PLAN MID ATLANTI95639 98.82%$471,345,173 82,20756,165KAISER FOUND HLTH PLAN OF CO95669 86.99%$529,391,894 84,52655,074KAISER FOUND HLTH PLAN OF GA INC96237 100.05%

$1,366,584,183 148,091123,560KAISER FOUND HLTH PLAN OF THE NW95540 100.75%$946,295 551551KAISER FOUND HLTH PLAN OF WA OPTIONS47055 (107.13)%

$1,162,075,095 164,367132,426KAISER FOUNDATION HLTH PLAN OF WA95672 94.40%

$4,853,108,336 19,272,20310,277,829AFLAC GRP37019 52.39% 0.92%$4,536,302,358 18,121,1979,665,492AMERICAN FAMILY LIFE ASSUR CO OF COL60380 52.13%

$316,433,712 1,149,488611,100AMERICAN FAMILY LIFE ASSUR CO OF NY60526 56.08%$372,266 1,5181,237CONTINENTAL AMER INS CO71730 (1.47)%

$4,420,596,122 794,425711,939BCBS OF MI GRP57220 76.94% 0.84%$2,075,261,483 315,997294,057BCBS OF MI MUT INS CO54291 79.64%$1,534,878,953 214,630162,222BLUE CARE NETWORK OF MI95610 72.77%

$755,846,476 209,883209,883BLUE CROSS COMPLETE OF MI LLC11557 78.83%$54,609,210 53,91545,777LIFESECURE INS CO77720 65.33%

$4,063,597,198 824,352816,944BCBS OF MN GRP46121 84.04% 0.77%$1,623,374,201 415,706415,706BCBSM INC55026 78.55%$2,427,384,708 380,079372,671HMO DBA BLUE PLUS95649 87.77%

$12,838,289 28,56728,567MII LIFE INS INC61522 73.31%

$3,437,866,377 537,670531,852TUFTS GRP474222 89.00% 0.65%

© 2019 National Association of Insurance Commissioners 59

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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

$1,318,109,332 106,465100,651TUFTS ASSOCIATED HLTH MAINTENANCE OR9568822 87.46%$2,100,714,282 421,855421,855TUFTS HLTH PUBLIC PLANS INC14131 89.96%

$19,042,763 9,3509,346TUFTS INS CO INC60117 89.93%

$3,425,863,783 402,238392,625UCARE GRP438023 91.73% 0.65%$6,698,793 00UCARE HLTH INC12924 94.98%

$3,419,164,990 402,238392,625UCARE MN52629 91.72%

$3,375,391,313 2,367,6902,178,034MUTUAL OF OMAHA GRP26124 79.67% 0.64%$812 22COMPANION LIFE INS CO62243 217.24%

$1,269,150,430 1,309,3101,119,654MUTUAL OF OMAHA INS CO71412 82.30%$1,773 11OMAHA HLTH INS CO88080 (59.11)%

$653,798,498 418,168418,168OMAHA INS CO13100 85.37%$1,017,829,657 376,682376,682UNITED OF OMAHA LIFE INS CO69868 75.52%

$434,610,143 263,527263,527UNITED WORLD LIFE INS CO72850 73.12%

$3,261,402,374 348,336294,726MEDICA GRP155225 77.27% 0.62%$732,318,320 29,81429,715MEDICA HLTH PLANS52626 88.40%

$82,981,784 6,8795,131MEDICA HLTH PLANS OF WI95232 68.98%$2,446,102,270 311,643259,880MEDICA INS CO12459 74.22%

$525,761,532,261 156,525,877137,210,89626 83.96%

© 2019 National Association of Insurance Commissioners 60

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Market Share by Statement Type Individual Business

© 2019 National Association of Insurance Commissioners 61

Page 66: 2018 Accident and Health Policy Experience Report · Health Policy Experience Exhibit, market share data based on this exhibit, and more. The health insurance market is , with a varieexpansivety

© 2019 National Association of Insurance Commissioners 62

Page 67: 2018 Accident and Health Policy Experience Report · Health Policy Experience Exhibit, market share data based on this exhibit, and more. The health insurance market is , with a varieexpansivety

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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

$21,821,611,943 6,785,403UNITEDHEALTH GRP7071 6,602,02079.68% 29.03% 29.03%$15,051,873,745 4,032,399CVS GRP12 4,024,88582.06% 20.02% 49.05%

$4,853,108,336 19,272,203AFLAC GRP3703 10,277,82952.39% 6.46% 55.50%$3,927,455,740 2,142,705CIGNA HLTH GRP9014 1,868,32574.10% 5.22% 60.73%$3,375,389,540 2,367,689MUTUAL OF OMAHA GRP2615 2,178,03379.67% 4.49% 65.22%$2,501,166,145 1,051,527GENWORTH FIN GRP40116 953,251156.57% 3.33% 68.54%$2,461,508,718 3,578,852UNUM GRP5657 3,556,709112.40% 3.27% 71.82%$1,925,014,326 1,075,713NORTHWESTERN MUT GRP8608 1,075,71363.70% 2.56% 74.38%$1,652,176,623 1,396,343CNO FINANCIAL GRP2339 1,151,167111.12% 2.20% 76.58%$1,345,081,986 635,417JOHN HANCOCK GRP90410 635,375145.03% 1.79% 78.36%

$835,320,647 3,894,168TORCHMARK CORP GRP29011 2,596,56062.77% 1.11% 79.48%$819,122,177 372,599METROPOLITAN GRP24112 174,550125.89% 1.09% 80.56%$815,495,118 136,646CENTENE CORP GRP129513 113,57582.26% 1.08% 81.65%$814,973,286 1,105,320AEGON US HOLDING GRP46814 785,393130.44% 1.08% 82.73%$794,513,119 283,366BCBS OF KS GRP43015 241,88183.85% 1.06% 83.79%$782,596,405 409,412GUARDIAN LIFE GRP42916 381,12579.47% 1.04% 84.83%$747,012,346 330,770MASS MUT LIFE INS GRP43517 339,865137.88% 0.99% 85.82%$616,077,076 62,265WELLCARE GRP119918 61,65185.93% 0.82% 86.64%$550,441,682 0CHUBB LTD GRP62619 060.60% 0.73% 87.38%$487,656,296 198,748PRINCIPAL FIN GRP33220 198,74855.49% 0.65% 88.03%$409,861,696 358,471PHYSICIANS MUT GRP36721 323,72876.87% 0.55% 88.57%$400,397,535 286,457AMERICAN ENTERPRISE MUT GRP352722 271,64374.90% 0.53% 89.10%$375,610,196 261,443NEW ERA LIFE GRP52023 206,71273.59% 0.50% 89.60%$350,239,796 151,928UNITED SERV AUTOMOBILE ASSN GRP20024 151,92877.01% 0.47% 90.07%$345,461,672 215,058CONTINENTAL GEN INS CO7140425 173,775213.58% 0.46% 90.53%$341,188,280 420,784MANHATTAN LIFE GRP111726 358,65386.87% 0.45% 90.98%$340,258,066 211,432AMERIPRISE FIN GRP427 211,432164.85% 0.45% 91.43%$339,770,430 894,757AMERICAN FIDELITY CORP GRP33028 639,08758.50% 0.45% 91.89%$329,115,780 172,694NEW YORK LIFE GRP82629 172,402123.80% 0.44% 92.32%$259,600,282 897,635ALLSTATE INS GRP830 502,54671.78% 0.35% 92.67%$253,148,674 100,121MEIJI YASUDA LIFE INS GRP134831 118,60358.47% 0.34% 93.01%$233,626,380 81,071BRIGHTHOUSE HOLDINGS GRP493232 81,008276.28% 0.31% 93.32%$233,576,140 280,760AMERITAS MUT HOLDING GRP94333 280,76054.58% 0.31% 93.63%

© 2019 National Association of Insurance Commissioners 63

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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

$211,182,017 415,977GUARANTEE TRUST GRP68734 376,75656.36% 0.28% 93.91%$209,353,342 79,823PRUDENTIAL OF AMER GRP30435 79,243787.33% 0.28% 94.19%$207,844,190 873,266HEALTHMARKETS GRP26436 594,32930.27% 0.28% 94.46%$181,382,663 116,252ALLIANZ INS GRP76137 95,143292.08% 0.24% 94.70%$180,568,941 296,960USHEALTH GRP INC GRP83938 175,70450.18% 0.24% 94.94%$169,910,736 104,236ATLANTIC AMER GRP58739 104,23679.15% 0.23% 95.17%$168,006,360 489,412KEMPER CORP GRP21540 339,99957.80% 0.22% 95.39%$143,135,239 92,141BLUE SHIELD OF CA GRP279841 65,42075.83% 0.19% 95.58%$128,744,500 468,945NATIONAL TEACHERS ASSOC LIFE GROUP479642 284,34146.76% 0.17% 95.76%$125,337,697 289,806WEST SOUTHERN GRP83643 222,14972.55% 0.17% 95.92%$119,755,117 144,708BCBS OF SC GRP66144 142,783104.52% 0.16% 96.08%$116,613,707 76,048LIFETIME HLTHCARE GRP118645 76,048280.89% 0.16% 96.24%$110,365,892 498,391AMERICAN INTL GRP1246 399,91190.10% 0.15% 96.38%$108,373,560 47,584ADVANTAGE CAPITAL GRP482447 47,340124.15% 0.14% 96.53%$106,295,503 57,965COUNTRY INS & FIN SERV GRP5048 55,83699.69% 0.14% 96.67%

$98,910,287 922,128ASSURANT INC GRP1949 903,313266.48% 0.13% 96.80%$89,979,048 114,916AMERICAN NATL FIN GRP40850 99,01071.63% 0.12% 96.92%$87,563,770 50,743SENIOR HLTH INS CO OF PA7632551 50,743682.30% 0.12% 97.04%$84,327,207 42,176INDIVIDUAL ASSUR CO LIFE HLTH & ACC8177952 42,17689.02% 0.11% 97.15%$75,044,919 21,570AMERCO CORP GRP57453 21,57080.93% 0.10% 97.25%$75,033,361 28,080GGC GRP473654 26,01391.33% 0.10% 97.35%$74,111,625 149,993ASSURITY GRP486255 123,98554.66% 0.10% 97.45%$70,539,665 33,864GLOBAL ATLANTIC GRP389156 30,37177.82% 0.09% 97.54%$69,677,845 0TRIPLE S GRP480257 067.33% 0.09% 97.63%$63,712,054 163,964TRUSTMARK MUT HOLDING CO GRP27658 105,99432.21% 0.08% 97.72%$62,589,513 0CITIZENS SECURITY LIFE INS CO6192159 056.11% 0.08% 97.80%$59,781,746 43,069GPM LIFE GRP471260 43,06980.76% 0.08% 97.88%$57,488,563 49,899RESOLUTION LIFE GRP481561 31,601336.36% 0.08% 97.96%$57,307,295 27,389ENTERPRISE INVESTMENTS GRP492262 27,38972.17% 0.08% 98.03%$55,134,978 0CUNA MUT GRP30663 0143.73% 0.07% 98.11%$54,609,210 53,915BCBS OF MI GRP57264 45,77765.33% 0.07% 98.18%$54,369,973 111,277ILLINOIS MUT LIFE INS CO6458065 102,14660.92% 0.07% 98.25%$52,248,857 158,331GUIDEWELL MUT HOLDING GRP53666 107,69159.74% 0.07% 98.32%

© 2019 National Association of Insurance Commissioners 64

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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

$50,164,685 44,322AXA INS GRP96867 43,203191.17% 0.07% 98.39%$50,003,351 68,787JACKSON NATL GRP91868 51,137251.77% 0.07% 98.46%$42,210,319 60,604STATE MUT INS CO6913269 44,88443.12% 0.06% 98.51%$40,297,001 20,088OHIO NATL LIFE GRP70470 20,08867.84% 0.05% 98.57%$37,725,282 656,587TIPTREE FIN GRP471871 656,5876.03% 0.05% 98.62%$37,402,995 33,059PROTECTIVE LIFE INS GRP45872 33,05970.91% 0.05% 98.66%$37,259,766 20,594MOLINA HEALTHCARE INC GRP153173 20,59473.79% 0.05% 98.71%$36,626,015 21,599BERKSHIRE HATHAWAY GRP3174 21,73475.55% 0.05% 98.76%$35,877,518 105,505ZURICH INS GRP21275 107,20798.83% 0.05% 98.81%$33,585,168 14,105PEKIN INS GRP15376 14,10569.55% 0.04% 98.86%$30,833,782 15,543UNITED SECURITY ASSUR CO OF PA4212977 15,54387.72% 0.04% 98.90%$29,809,788 23,031FEDERATED MUT GRP778 23,03115.69% 0.04% 98.94%$29,570,603 129,849MULTINATIONAL GRP480479 70,87471.04% 0.04% 98.98%$28,208,945 49,436SOUTHERN FARM BUREAU LIFE INS CO6889680 38,94288.99% 0.04% 99.01%$28,023,468 31,103NATIONAL GEN GRP492881 20,59152.86% 0.04% 99.05%$27,868,304 0TRANS OCEANIC LIFE INS CO6952382 318,79148.52% 0.04% 99.09%$27,789,976 13,922MINNESOTA MUT GRP86983 16,886146.59% 0.04% 99.12%$27,093,538 68,492LIFE INS CO OF AL6541284 44,01153.53% 0.04% 99.16%$26,600,216 84,354ARKANSAS BCBS GRP87685 3,02251.15% 0.04% 99.20%$26,239,630 21,942RESERVOIR CAPITAL GRP476486 21,94270.37% 0.03% 99.23%$25,486,227 14,396HUMANA GRP11987 14,39678.03% 0.03% 99.26%$25,367,709 189TOKIO MARINE HOLDINGS INC GRP309888 18948.92% 0.03% 99.30%$21,560,539 49,624WILTON RE GRP421389 49,45385.06% 0.03% 99.33%$21,555,476 22,696LINCOLN NATL GRP2090 22,696307.57% 0.03% 99.36%$21,303,638 67,962FIDELITY SECURITY GRP45191 52,75652.65% 0.03% 99.38%$20,810,229 11,881ONEAMERICA FIN PARTNERS GRP61992 11,881305.20% 0.03% 99.41%$19,675,514 9,107TIAA FAMILY GRP121693 9,107148.74% 0.03% 99.44%$19,050,188 20,055ECG GRP482694 20,05585.75% 0.03% 99.46%$18,951,690 54,663BEST LIFE & HLTH INS CO9063895 41,32159.07% 0.03% 99.49%$18,849,509 8,343NATIONAL LIFE GRP63496 11,607265.00% 0.03% 99.51%$18,616,464 11,566HEARTLAND NATL LIFE INS CO6621497 11,56662.77% 0.02% 99.54%$18,319,547 16,090FINANCIAL HOLDINGS GRP44998 16,08982.52% 0.02% 99.56%$18,137,586 8,333MEDICAL CARD SYSTEM INC GRP130199 5,69162.90% 0.02% 99.59%

© 2019 National Association of Insurance Commissioners 65

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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

$18,004,926 47,062SUN LIFE ASSUR CO OF CN GRP549100 32,36752.47% 0.02% 99.61%$17,525,427 5,259ANTHEM INC GRP671101 4,91180.56% 0.02% 99.63%$15,719,227 11,646AUTO OWNERS GRP280102 11,64673.65% 0.02% 99.66%$15,433,741 113,825COOPERATIVA DE SEGUROS DE VIDA79715103 113,82546.47% 0.02% 99.68%$15,344,236 10,153BCBS OF AL GRP570104 10,15378.97% 0.02% 99.70%$13,794,801 60,315BOSTON MUT GRP581105 33,49932.88% 0.02% 99.71%$13,325,529 712,710APOLLO GLOBAL MGMT GRP4734106 566,8748.57% 0.02% 99.73%$12,125,123 10,916CROY HALL MGMT GRP1339107 6,40538.30% 0.02% 99.75%$11,935,488 35,671UNIFIED LIFE INS CO11121108 34,27864.78% 0.02% 99.76%$11,226,410 8,595LIBERTY LIFE GRP TRUST GRP3436109 8,51484.62% 0.01% 99.78%$10,491,515 11,428NATIONAL GUARDIAN LIFE INS GRP1211110 11,40460.04% 0.01% 99.79%

$9,544,231 9,397REGAL REINS GRP440111 9,397378.71% 0.01% 99.81%$9,543,027 188PAN AMER LIFE GRP525112 4,874121.61% 0.01% 99.82%$8,961,126 3,278CENTRAL STATES GRP690113 3,222105.79% 0.01% 99.83%$8,502,740 4,133GENEVE HOLDINGS INC GRP450114 3,33525.17% 0.01% 99.84%$8,395,496 4,924NATIONWIDE CORP GRP140115 5,907105.77% 0.01% 99.85%$7,320,008 3,414UNIVERSAL FIDELITY LIFE INS CO70122116 3,41485.63% 0.01% 99.86%$6,503,872 2,661AMERICAN FINANCIAL GRP84117 2,629132.51% 0.01% 99.87%$6,407,426 7,993CAMBIA HEALTH SOLUTIONS INC1207118 5,28045.58% 0.01% 99.88%$5,697,435 9,474IOWA FARM BUREAU GRP513119 9,070(4.92)% 0.01% 99.89%$5,653,225 13,575AAA LIFE GRP4853120 13,57524.98% 0.01% 99.89%$5,234,812 59,411NATIONAL FAMILY CARE LIFE INS CO86959121 33,94914.18% 0.01% 100.00%$4,807,096 20,170MAPFRE INS GRP411122 20,17041.56% 0.01% 100.00%$4,753,023 5,414CINCINNATI FIN GRP244123 5,36168.79% 0.01% 100.00%$4,740,038 10,139STANDARD LIFE & CAS INS CO71706124 9,06863.13% 0.01% 100.00%$4,166,152 325,462SOUTHLAND NATL HOLDING GRP4827125 325,45272.45% 0.01% 100.00%

$75,180,222,792 63,379,477Grand Total 49,262,03589.77% 100.00%

© 2019 National Association of Insurance Commissioners 66

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual Market Share for HealthGrand 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

$67,973,753,496 9,714,325UNITEDHEALTH GRP7071 9,687,42782.89% 15.16% 15.16%$43,413,742,633 9,889,218HUMANA GRP1192 9,691,98981.20% 9.68% 24.84%$39,925,708,906 7,335,364ANTHEM INC GRP6713 7,072,05881.27% 8.90% 33.74%$34,703,539,736 5,972,851CENTENE CORP GRP12954 5,822,82584.59% 7.74% 41.48%$19,872,405,680 5,054,724WELLCARE GRP11995 5,054,72484.44% 4.43% 45.91%$17,668,765,833 6,727,881CVS GRP16 6,717,49282.81% 3.94% 49.85%$16,235,889,738 3,161,340MOLINA HEALTHCARE INC GRP15317 3,054,24779.47% 3.62% 53.47%$14,545,615,545 2,728,000HCSC GRP9178 2,367,60077.10% 3.24% 56.72%$12,630,913,870 2,201,968INDEPENDENCE HLTH GRP INC GRP9369 2,109,16087.31% 2.82% 59.53%$10,743,146,929 1,506,225GUIDEWELL MUT HOLDING GRP53610 1,123,75774.08% 2.40% 61.93%

$9,493,884,115 1,533,935CARESOURCE GRP368311 1,469,71787.25% 2.12% 64.05%$8,061,900,830 1,241,721BCBS OF NJ GRP120212 1,176,31387.03% 1.80% 65.84%$6,791,850,834 1,220,390CIGNA HLTH GRP90113 1,209,25883.87% 1.51% 67.36%$6,055,859,702 813,893HIGHMARK GRP81214 789,62381.63% 1.35% 68.71%$5,936,501,310 810,499UPMC HLTH SYSTEM GRP132415 810,49990.94% 1.32% 70.03%$5,739,028,568 903,795BCBS OF NC GRP75816 696,29970.25% 1.28% 71.31%$5,169,295,435 835,217BCBS OF TN GRP349817 795,87576.14% 1.15% 72.46%$4,961,110,139 751,599KAISER FOUNDATION GRP60118 587,12598.77% 1.11% 73.57%$4,365,986,912 740,510BCBS OF MI GRP57219 666,16277.08% 0.97% 74.54%$4,063,597,198 824,352BCBS OF MN GRP46120 816,94484.04% 0.91% 75.45%$3,437,866,377 537,670TUFTS GRP474221 531,85289.00% 0.77% 76.22%$3,425,863,783 402,238UCARE GRP438022 392,62591.73% 0.76% 76.98%$3,261,402,374 348,336MEDICA GRP155223 294,72677.27% 0.73% 77.71%$3,147,528,474 436,398EMBLEM HLTH GRP112724 403,28486.06% 0.70% 78.41%$2,668,569,974 350,525GEISINGER INS GRP114325 334,38483.37% 0.60% 79.01%$2,633,160,698 403,006LIFETIME HLTHCARE GRP118626 394,39088.90% 0.59% 79.59%$2,621,929,435 157,874HEALTHFIRST INC GRP477827 157,87484.95% 0.58% 80.18%$2,426,114,569 529,027BCBS OF AL GRP57028 439,28678.95% 0.54% 80.72%$2,353,867,878 493,311BLUE SHIELD OF CA GRP279829 493,31188.17% 0.52% 81.24%$2,291,997,743 394,263BOSTON MEDICAL CENTER HLTH PLAN INC1320330 377,90693.74% 0.51% 81.75%$2,232,094,701 421,642BCBS OF SC GRP66131 348,29471.76% 0.50% 82.25%$2,060,052,894 108,605TRIPLE S GRP480232 108,60582.74% 0.46% 82.71%$2,009,203,440 509,059MCLAREN HLTH GRP470033 507,39192.69% 0.45% 83.16%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual Market Share for HealthGrand 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

$1,974,698,719 341,152SPECTRUM HLTH GRP338334 313,95785.22% 0.44% 83.60%$1,960,788,257 274,780HEALTH PARTNERS PLANS INC9506635 274,78079.23% 0.44% 84.04%$1,951,142,205 358,194PRESBYTERIAN HLTHCARE SERV GRP48136 354,50484.36% 0.44% 84.47%$1,945,920,405 319,575UNIVERSITY HLTH CARE INC5262137 319,57594.88% 0.43% 84.91%$1,902,186,832 206,565MEDICAL CARD SYSTEM INC GRP130138 206,56582.47% 0.42% 85.33%$1,894,552,584 287,987MVP GRP119839 275,46788.92% 0.42% 85.75%$1,893,897,175 260,705SENTARA HLTH MGMT GRP118340 244,10984.89% 0.42% 86.17%$1,868,223,598 284,662HEALTHPARTNERS GRP125841 258,31089.17% 0.42% 86.59%$1,817,385,106 201,398MAGELLAN HLTH INC GRP126042 201,39859.95% 0.41% 87.00%$1,789,299,268 344,422IHC INC GRP88043 240,86477.64% 0.40% 87.40%$1,678,937,239 434,141TEXAS CHILDRENS HLTH PLAN INC9532944 434,14192.12% 0.37% 87.77%$1,645,710,183 382,954HARRIS HLTH GRP489245 341,55285.71% 0.37% 88.14%$1,594,742,170 285,625CAREFIRST INC GRP38046 214,73477.24% 0.36% 88.49%$1,581,402,141 399,904ARKANSAS BCBS GRP87647 366,39278.00% 0.35% 88.85%$1,565,713,739 258,203VANGUARD HLTH VENTURES GRP121248 256,65289.05% 0.35% 89.19%$1,480,055,879 450,387BCBS OF MA GRP363749 431,20598.18% 0.33% 89.52%$1,373,104,801 192,747NEIGHBORHOOD HLTH PLAN OF RI INC9540250 192,74790.43% 0.31% 89.83%$1,371,880,894 216,667HAWAII MEDICAL SERV ASSN4994851 211,80885.79% 0.31% 90.14%$1,342,717,037 200,695CAMBIA HEALTH SOLUTIONS INC120752 186,59677.05% 0.30% 90.44%$1,327,182,761 192,368PROVIDENCE HLTH GRP478853 163,57787.66% 0.30% 90.73%$1,289,315,372 142,373INDEPENDENT HLTH ASSN GRP489454 138,70489.96% 0.29% 91.02%$1,187,743,164 133,465FALLON GRP474155 130,64892.09% 0.26% 91.28%$1,106,499,340 192,450LOUISIANA HLTH SERV GRP43856 148,99875.24% 0.25% 91.53%$1,076,135,137 25,667ELDERPLAN INC9566257 25,66785.01% 0.24% 91.77%$1,046,754,843 102,668HEALTH NOW NY INC5520458 100,20186.36% 0.23% 92.00%

$949,974,410 215,450MEDICAL MUT OF OH GRP73059 165,91382.28% 0.21% 92.22%$939,685,954 3,830,420MCNA GRP473060 3,830,42083.62% 0.21% 92.43%$918,883,762 140,042CDPHP INC GRP470861 138,38787.68% 0.20% 92.63%$918,420,429 140,452SECURITY HLTH PLAN OF WI INC9688162 132,24187.18% 0.20% 92.84%$910,911,077 172,745CAPITAL BLUE CROSS GRP123063 146,69371.37% 0.20% 93.04%$876,856,671 120,165PREMERA BLUE CROSS GRP96264 96,42280.45% 0.20% 93.23%$865,757,978 265,307COMMUNITY HLTH PLAN OF WA4704965 265,30786.94% 0.19% 93.43%$853,977,125 177,266MULBERRY HLTH GRP481866 110,23982.75% 0.19% 93.62%

© 2019 National Association of Insurance Commissioners 68

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual Market Share for HealthGrand 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

$804,200,203 355,704WELLMARK INC GRP77067 327,58882.26% 0.18% 93.80%$768,549,872 111,169NETWORK HLTH GRP267868 109,14987.59% 0.17% 93.97%$756,407,310 128,085BCBS OF RI5347369 114,91582.76% 0.17% 94.14%$743,609,902 64,632ESSENCE HLTHCARE INC1169970 64,63276.62% 0.17% 94.30%$675,002,036 103,219BLUE CROSS OF ID GRP129071 74,90678.77% 0.15% 94.45%$671,048,071 113,260HARVARD PILGRIM HLTH CARE GRP59572 99,84785.08% 0.15% 94.60%$645,057,575 61,515PARTNERS HEALTHCARE SYSTEM GRP493473 51,31389.45% 0.14% 94.75%$641,658,384 138,131BCBS OF AZ INC5358974 105,33565.02% 0.14% 94.89%$632,106,100 48,235VIVA HLTH INC9532275 48,23585.74% 0.14% 95.03%$591,864,656 49,351CHE TRINITY INC GRP283876 49,35180.16% 0.13% 95.16%$581,562,117 64,939CARLE HOLDING CO GRP119277 54,13581.66% 0.13% 95.29%$576,208,810 183,498PARKLAND COMM HLTH PLAN INC9541478 384.96% 0.13% 95.42%$560,389,445 57,166HEALTH FIRST GRP474079 51,05080.95% 0.12% 95.55%$559,828,141 51,159COMMON GROUND HLTHCARE COOP1506180 37,82267.20% 0.12% 95.67%$556,373,651 96,475MEDSTAR FAMILY CHOICE1422781 96,47589.00% 0.12% 95.80%$552,038,477 0MEDISUN INC9598282 086.15% 0.12% 95.92%$530,130,788 49,268AVMED INC9526383 40,11087.24% 0.12% 96.04%$529,292,310 50,399HENRY FORD HLTH SYSTEM GRP131184 47,19394.87% 0.12% 96.15%$513,978,122 135,011COMMUNITY FIRST GRP273885 134,87593.08% 0.11% 96.27%$509,238,881 103,856HEALTH PLAN GRP129786 103,69993.72% 0.11% 96.38%$486,500,725 54,332PACIFICSOURCE HLTH PLAN GRP470487 44,41981.47% 0.11% 96.49%$456,195,065 97,439DEAN HLTH GRP129488 86,34186.75% 0.10% 96.59%$440,686,745 146,475CHILDRENS COMM HLTH PLAN INC1373989 139,70280.22% 0.10% 96.69%$439,629,240 80,241UNIVERSITY HLTH CARE & GUNDERSEN LUT487090 74,42389.78% 0.10% 96.79%$433,293,800 41,849SANFORD HLTH GRP124691 33,67891.73% 0.10% 96.89%$425,668,895 37,242ALLIANT HLTH PLANS INC1125692 24,27468.59% 0.09% 96.98%$421,286,002 63,661CATHOLIC HLTH INITIATIVES GRP480793 61,89275.61% 0.09% 97.07%$401,895,705 102,453FIRSTCARE GRP354994 95,87193.11% 0.09% 97.16%$398,885,511 83,270SCOTT & WHITE GRP60095 81,44286.49% 0.09% 97.25%$397,995,118 53,012BAYSTATE HLTH GRP475696 50,89492.02% 0.09% 97.34%$379,983,398 0ENVISION INS CO1274797 565,94692.86% 0.08% 97.43%$377,620,631 33,906KS PLAN ADMINISTRATORS LLC1282798 33,90691.51% 0.08% 97.51%$374,237,231 0ALOHA CARE9585399 087.94% 0.08% 97.59%

© 2019 National Association of Insurance Commissioners 69

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual Market Share for HealthGrand 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

$362,958,252 532,304COLORADO ACCESS GRP4781100 532,30474.58% 0.08% 97.68%$357,448,414 32,425CLOVER HLTH GRP4918101 32,42594.66% 0.08% 97.75%$343,593,094 89,767NORIDIAN MUT INS CO55891102 73,35483.80% 0.08% 97.83%$337,996,092 44,258BCBS OF WY53767103 34,92670.68% 0.08% 97.91%$336,627,077 39,753MAINE COMM HLTH OPTIONS15077104 26,64271.99% 0.08% 97.98%$324,968,938 292,941OREGON DENTAL GRP1313105 269,402159.32% 0.07% 98.05%$309,932,302 26,639VANTAGE HLTH PLAN INC95584106 24,02679.33% 0.07% 98.12%$302,229,858 43,608MONTANA HLTH COOPERATIVE14933107 28,49668.25% 0.07% 98.19%$298,273,438 110,201TENNESSEE RURAL HLTH GRP4677108 87,74980.50% 0.07% 98.26%$289,160,825 26,054COMMUNITYCARE GRP3487109 25,58991.10% 0.06% 98.32%$287,385,644 27,153SUMMA HLTH GRP3259110 25,77586.74% 0.06% 98.39%$274,966,911 75,788WISCONSIN PHYSICIANS SERV INS GRP68111 71,22272.53% 0.06% 98.45%$265,684,156 47,631NEXTLEVEL HLTH PARTNERS INC16277112 47,63179.49% 0.06% 98.51%$260,014,320 66,648TOTAL HLTH GRP1238113 61,64184.16% 0.06% 98.56%$256,296,798 8,952CHILDRENS HLTH SYSTEM OF TX GRP4828114 1110.76% 0.06% 98.62%$254,791,533 102,640BCBS OF NE GRP4858115 95,33878.60% 0.06% 98.68%$251,395,396 0APOLLO GLOBAL MGMT GRP4734116 088.92% 0.06% 98.73%$243,860,246 64,949BCBS OF KC GRP537117 55,42572.72% 0.05% 98.79%$227,844,319 52,884MISSISSIPPI INS GRP1126118 49,13886.60% 0.05% 98.84%$204,495,664 19,937ATRIO HLTH PLANS INC10123119 19,93781.31% 0.05% 98.89%$201,795,444 22,103AULTMAN HLTH FOUNDATION GRP4805120 18,53074.06% 0.04% 98.93%$196,194,166 73,875EL PASO FIRST HLTH PLANS INC52635121 73,87589.32% 0.04% 98.97%$187,796,545 13,280HEALTH PLAN OF CAREOREGON INC12277122 13,28087.56% 0.04% 99.02%$183,613,574 42,472TRUSTED HLTH PLANS GRP4893123 42,47270.68% 0.04% 99.06%$182,113,665 36,911BCBS OF VT GRP4745124 29,84994.89% 0.04% 99.10%$180,132,132 18,127PIEDMONT COMM HLTH GRP4845125 12,25581.53% 0.04% 99.14%

$448,443,129,850 89,452,761Grand Total 85,571,31383.00% 100.00%

© 2019 National Association of Insurance Commissioners 70

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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

$730,831,274 920,436STATE FARM GRP1761 872,98290.39% 48.98% 48.98%$293,245,911 147,538CNA INS GRP2182 147,538134.94% 19.65% 68.64%$91,917,766 12,702BERKSHIRE HATHAWAY GRP313 12,59776.00% 6.16% 74.80%$73,187,238 0INTACT FINANCIAL GRP49044 039.87% 4.91% 79.70%$60,343,716 426,744AMTRUST FINANCIAL SERV GRP25385 37,29855.73% 4.04% 83.75%$35,614,571 0CHUBB LTD GRP6266 033.38% 2.39% 86.14%$28,911,432 0EVEREST REINS HOLDINGS GRP11207 087.04% 1.94% 88.07%$28,887,641 9,494AMERICAN FAMILY INS GRP4738 9,32792.54% 1.94% 90.01%$28,616,884 353,782METROPOLITAN GRP2419 136,07034.50% 1.92% 91.93%$27,090,375 776,964ARCH INS GRP127910 277,09042.74% 1.82% 93.74%$23,531,350 441TOKIO MARINE HOLDINGS INC GRP309811 31948.56% 1.58% 95.32%$16,289,100 6,487AMERICAN FIDELITY & LIBERTY INC GRP128912 6,48791.56% 1.09% 96.41%$13,140,997 30,844GENEVE HOLDINGS INC GRP45013 20,49543.60% 0.88% 97.29%

$7,054,961 0AMERICAN INTL GRP1214 384127.58% 0.47% 97.77%$6,745,366 265,928ALLIANZ INS GRP76115 159,27259.48% 0.45% 98.22%$5,899,502 159LIBERTY MUT GRP11116 1,99261.55% 0.40% 98.61%$4,234,202 7,741NATIONAL GEN GRP492817 5,53058.58% 0.28% 98.90%$3,532,173 17,159TIPTREE FIN GRP471818 17,15935.87% 0.24% 99.13%$2,768,508 2,778CENTENNIAL CAS CO3456819 2,7780.00% 0.19% 99.32%$1,593,117 914ISLAND HOME INS CO3165820 47577.13% 0.11% 99.43%$1,578,818 28,951ASSURANCEAMERICA CORP GRP490921 28,9511.81% 0.11% 99.53%$1,276,351 15,425LEON HIX GRP474822 11,5644.17% 0.09% 99.62%$1,216,968 11,790SOUTHERN GUAR INS CO1917823 8,59166.69% 0.08% 99.70%$1,119,394 1,671WARRIOR INVICTUS HOLDING CO GRP472724 1,25040.57% 0.08% 99.78%

$624,503 6,184NATIONWIDE CORP GRP14025 6,14047.36% 0.04% 99.82%$518,513 0UNDERWRITERS AT LLOYDS3272726 037.75% 0.03% 99.85%$504,052 3,048MUNICH RE GRP36127 3,04885.56% 0.03% 99.89%$352,199 306NATIONAL INS CO OF WI INS3015528 306175.33% 0.02% 100.00%$328,360 113SOBC HOLDING LTD GRP488329 8551.88% 0.02% 100.00%$323,236 0TRAVELERS GRP354830 0(236.88)% 0.02% 100.00%$118,212 208AEGIS GRP31331 2081.91% 0.01% 100.00%$109,853 2,736FIRST NET INS CO1097232 8206.04% 0.01% 100.00%

$98,829 1,310APOLLO GLOBAL MGMT GRP473433 79149.43% 0.01% 100.00%

© 2019 National Association of Insurance Commissioners 71

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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

$83,203 85HIGHMARK GRP81234 851,793.15% 0.01% 100.00%$64,979 6SWISS RE GRP18135 6(218.74)% 0.00% 100.00%$43,096 263AMEX ASSUR CO2792836 1772,032.19% 0.00% 100.00%$39,353 38FARMERS INS GRP6937 3888.11% 0.00% 100.00%$24,148 191VIRGINIA FARM BUREAU GRP20338 19130.72% 0.00% 100.00%$20,839 0AMERICAN FINANCIAL GRP8439 0(2,642.74)% 0.00% 100.00%$19,483 34SELECTIVE INS GRP24240 34(128.27)% 0.00% 100.00%$18,167 1,728ASSURANT INC GRP1941 1,728(3.13)% 0.00% 100.00%$14,058 303AEGON US HOLDING GRP46842 13127.77% 0.00% 100.00%$13,615 12FRANKENMUTH GRP130943 121,129.98% 0.00% 100.00%

$7,465 0UNDERWRITERS AT LLOYDS LONDON1564244 0519.20% 0.00% 100.00%$7,398 0CHINA MINSHENG GRP486345 00.00% 0.00% 100.00%$4,873 18HORACE MANN GRP30046 14207.47% 0.00% 100.00%$4,841 322FARMERS MUT HAIL INS GRP56947 3220.00% 0.00% 100.00%$3,634 0STATE AUTO MUT GRP17548 0(161.01)% 0.00% 100.00%$2,838 15OHIO MUT GRP96349 150.00% 0.00% 100.00%$2,190 570CLOISTER MUT & WINDSOR MOUNT JOY GRP477450 570684.93% 0.00% 100.00%$1,417 0BCS INS GRP2351 0(20.47)% 0.00% 100.00%

$718 0MOTORISTS MUT GRP29152 0(72.84)% 0.00% 100.00%$300 0AMALGAMATED CAS INS CO1329353 30.00% 0.00% 100.00%$271 3ARROWPOINT CAPITAL GRP55354 210.70% 0.00% 100.00%

$64 3MERCHANTS MUT GRP22655 30.00% 0.00% 100.00%$9 0ZURICH INS GRP21256 00.00% 0.00% 100.00%

$1,491,982,331 3,055,444Grand Total 1,772,87889.34% 100.00%

© 2019 National Association of Insurance Commissioners 72

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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

$357,012,787 250,600THRIVENT FINANCIAL FOR LUTHERANS GRP29381 236,12447.27% 55.25% 55.25%$73,099,421 54,794KNIGHTS OF COLUMBUS580332 54,730113.80% 11.31% 66.56%$48,709,378 35,480ORDER OF UNITED COMMERCIAL TRAVELERS563833 34,12767.05% 7.54% 74.10%$41,782,291 19,179EVERENCE GRP46164 17,48870.04% 6.47% 80.56%$37,349,012 12,617ASSURED LIFE ASSN564995 12,61769.19% 5.78% 86.34%$22,545,828 106,858POLICE & FIREMENS INS ASSN580096 106,85845.22% 3.49% 89.83%$21,543,782 4,942ROYAL NEIGHBORS OF AMER576577 4,94263.19% 3.33% 93.17%$13,692,460 7,774GCU566938 7,77491.01% 2.12% 95.29%

$9,525,662 33,380WOODMEN WORLD LIFE INS SOC573209 31,46572.30% 1.47% 96.76%$5,471,841 19,618INDEPENDENT ORDER OF FORESTERS US BR5806810 19,61821.56% 0.85% 97.61%$3,641,405 40,834UNITED TRANSPORTATION UNION INS ASSN5641311 27,42337.23% 0.56% 98.17%$3,457,123 1,482WESTERN CATHOLIC UNION5771112 1,48291.94% 0.53% 98.71%$3,130,415 2,066LOYAL CHRISTIAN BENEFIT ASSN5675813 2,06679.09% 0.48% 99.19%$1,420,349 7,995CATHOLIC ORDER OF FORESTERS5748714 7,995195.31% 0.22% 99.41%$1,185,055 5,673UNITED STATES LETTER CARRIERS MUT BE5645615 4,4381.60% 0.18% 99.59%

$678,128 5,233KSKJ LIFE AMER SLOVENIAN CATHOLIC UN5622716 5,23346.57% 0.10% 99.70%$436,121 0POLISH FALCONS OF AMER5682017 0111.81% 0.07% 99.77%$401,855 99SPJST5743618 9972.99% 0.06% 99.83%$321,791 19,303TRAVELERS PROTECTIVE ASSN OF AMER5600619 19,30394.87% 0.05% 99.88%$288,356 619EMPLOYES MUT BENEFIT ASSN5604920 61941.62% 0.04% 100.00%$128,263 332NATIONAL MUT BENEFIT5607321 33274.69% 0.02% 100.00%

$80,389 0CATHOLIC UNITED FINANCIAL5705322 260.23% 0.01% 100.00%$72,344 201MODERN WOODMEN OF AMER5754123 201531.26% 0.01% 100.00%$68,754 343CATHOLIC FINANCIAL LIFE5603024 343206.38% 0.01% 100.00%$40,440 142CATHOLIC LIFE INS5734725 14287.95% 0.01% 100.00%$31,885 2,689CROATIAN FRATERNAL UNION OF AMER5663426 3,31961.18% 0.00% 100.00%$21,610 3,496SLOVENE NATL BENEFIT SOCIETY5767327 3,49622.47% 0.00% 100.00%$19,117 2,331GLEANER LIFE INS SOCIETY5615428 2,331174.27% 0.00% 100.00%$17,989 109SONS OF NORWAY5714229 97566.78% 0.00% 100.00%$17,271 6CSA FRATERNAL LIFE5613830 6132.61% 0.00% 100.00%

$6,120 0UKRAINIAN NATL ASSN INC5721531 0(7.81)% 0.00% 100.00%$46 0CATHOLIC HOLY FAMILY SOCIETY5777032 00.00% 0.00% 100.00%

$646,197,288 638,195GRAND TOTAL 604,67061.32% 100.00%

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Market Share by Line of Business Individual Business

© 2019 National Association of Insurance Commissioners 75

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© 2019 National Association of Insurance Commissioners 76

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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

$8,869,625,330 1,175,683GUIDEWELL MUT HOLDING GRP5361 793,21570.81% 11.28% 11.28%$8,190,687,272 1,246,117CENTENE CORP GRP12952 1,073,02071.84% 10.42% 21.70%$7,389,912,959 847,624HCSC GRP9173 552,76663.47% 9.40% 31.10%$4,449,014,963 561,201ANTHEM INC GRP6714 366,46568.22% 5.66% 36.76%$4,445,046,725 474,467BCBS OF NC GRP7585 322,18068.26% 5.65% 42.41%$2,564,308,043 486,026KAISER FOUNDATION GRP6016 328,87692.51% 3.26% 45.67%$2,248,185,013 343,478CIGNA HLTH GRP9017 235,84767.06% 2.86% 48.53%$2,183,535,711 434,586TUFTS GRP47428 428,76890.20% 2.78% 51.31%$1,966,300,141 289,976INDEPENDENCE HLTH GRP INC GRP9369 197,32669.45% 2.50% 53.81%$1,729,382,851 313,200MOLINA HEALTHCARE INC GRP153110 206,10754.40% 2.20% 56.01%$1,718,413,041 168,561MEDICA GRP155211 114,96071.74% 2.19% 58.20%$1,642,537,590 211,276BCBS OF SC GRP66112 143,64168.32% 2.09% 60.29%$1,446,476,823 199,163BCBS OF MI GRP57213 126,24466.03% 1.84% 62.13%$1,446,129,278 179,500BCBS OF AL GRP57014 126,64274.02% 1.84% 63.97%$1,383,353,139 161,706CAREFIRST INC GRP38015 108,20978.07% 1.76% 65.73%$1,344,421,132 176,905BCBS OF NJ GRP120216 111,49782.02% 1.71% 67.44%$1,210,748,967 109,443BCBS OF TN GRP349817 80,45453.65% 1.54% 68.98%$1,172,513,703 186,169CARESOURCE GRP368318 121,95187.07% 1.49% 70.47%$1,111,433,473 201,276IHC INC GRP88019 97,71869.85% 1.41% 71.88%$1,085,524,965 198,714ARKANSAS BCBS GRP87620 165,58076.68% 1.38% 73.26%

$894,917,623 116,120LOUISIANA HLTH SERV GRP43821 77,51271.63% 1.14% 74.40%$865,212,670 105,192EMBLEM HLTH GRP112722 72,07877.02% 1.10% 75.50%$853,977,125 177,266MULBERRY HLTH GRP481823 110,23982.75% 1.09% 76.59%$764,552,926 127,995UPMC HLTH SYSTEM GRP132424 127,99589.36% 0.97% 77.56%$747,347,353 78,271HIGHMARK GRP81225 54,08767.19% 0.95% 78.51%$685,834,141 104,361HARRIS HLTH GRP489226 62,95980.45% 0.87% 79.38%$639,554,509 64,724PREMERA BLUE CROSS GRP96227 42,36378.71% 0.81% 80.20%$628,267,214 56,896SENTARA HLTH MGMT GRP118328 40,53265.43% 0.80% 80.99%$582,411,311 90,818UNITEDHEALTH GRP70729 56,39765.25% 0.74% 81.74%$559,828,141 51,159COMMON GROUND HLTHCARE COOP1506130 37,82267.20% 0.71% 82.45%$525,798,489 75,245BCBS OF AZ INC5358931 44,30060.92% 0.67% 83.12%$519,160,796 56,124GEISINGER INS GRP114332 39,98374.66% 0.66% 83.78%$506,208,403 95,296MEDICAL MUT OF OH GRP73033 58,77875.14% 0.64% 84.42%$499,872,700 80,128PROVIDENCE HLTH GRP478834 52,20387.43% 0.64% 85.06%

© 2019 National Association of Insurance Commissioners 77

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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

$481,931,223 73,779BCBS OF KS GRP43035 46,43785.42% 0.61% 85.67%$425,668,895 37,242ALLIANT HLTH PLANS INC1125636 24,27468.59% 0.54% 86.21%$393,393,782 67,487LIFETIME HLTHCARE GRP118637 58,87183.26% 0.50% 86.71%$386,371,586 35,324CAPITAL BLUE CROSS GRP123038 23,34757.68% 0.49% 87.20%$336,627,077 39,753MAINE COMM HLTH OPTIONS1507739 26,64271.99% 0.43% 87.63%$302,534,420 25,838BCBS OF WY5376740 16,50669.58% 0.38% 88.02%$302,364,867 37,466OREGON DENTAL GRP131341 26,05394.35% 0.38% 88.40%$302,229,858 43,608MONTANA HLTH COOPERATIVE1493342 28,49668.25% 0.38% 88.78%$300,984,960 65,696SPECTRUM HLTH GRP338343 38,50171.04% 0.38% 89.17%$300,074,738 56,037BLUE CROSS OF ID GRP129044 31,89374.39% 0.38% 89.55%$298,293,798 41,485BCBS OF MA GRP363745 22,582104.97% 0.38% 89.93%$296,692,952 88,965BOSTON MEDICAL CENTER HLTH PLAN INC1320346 72,60883.86% 0.38% 90.31%$283,528,759 27,659PARTNERS HEALTHCARE SYSTEM GRP493447 18,46089.70% 0.36% 90.67%$280,599,489 58,667HEALTHPARTNERS GRP125848 36,97664.85% 0.36% 91.02%$273,214,778 33,140CARLE HOLDING CO GRP119249 22,69378.57% 0.35% 91.37%$264,600,920 31,055SECURITY HLTH PLAN OF WI INC9688150 22,84480.33% 0.34% 91.71%$255,718,091 51,971WELLMARK INC GRP77051 27,52587.12% 0.33% 92.03%$242,680,548 38,707MVP GRP119852 26,18787.28% 0.31% 92.34%$228,021,763 37,160NORIDIAN MUT INS CO5589153 20,74785.64% 0.29% 92.63%$212,041,018 35,138DEAN HLTH GRP129454 24,04085.14% 0.27% 92.90%$199,871,986 24,364CHILDRENS COMM HLTH PLAN INC1373955 17,59171.59% 0.25% 93.16%$194,757,157 41,378MISSISSIPPI INS GRP112656 37,69486.20% 0.25% 93.40%$194,670,334 35,193CATHOLIC HLTH INITIATIVES GRP480757 33,42559.60% 0.25% 93.65%$194,106,349 19,804UNIVERSITY HLTH CARE & GUNDERSEN LUT487058 13,98685.78% 0.25% 93.90%$192,498,230 25,690PACIFICSOURCE HLTH PLAN GRP470459 15,77775.52% 0.24% 94.14%$182,671,937 27,183CAMBIA HEALTH SOLUTIONS INC120760 15,54559.66% 0.23% 94.37%$182,490,831 22,411BCBS OF MN GRP46161 15,00374.86% 0.23% 94.61%$180,132,132 18,127PIEDMONT COMM HLTH GRP484562 12,25581.53% 0.23% 94.84%$167,796,366 28,761UCARE GRP438063 19,14863.81% 0.21% 95.05%$167,656,150 21,032AVMED INC9526364 11,87473.24% 0.21% 95.26%$154,826,990 20,682BCBS OF VT GRP474565 13,62097.10% 0.20% 95.46%$152,119,068 19,080HEALTH FIRST GRP474066 12,96476.16% 0.19% 95.65%$152,089,071 20,419UNIVERSITY OF UT HLTH PLANS1564867 11,20471.54% 0.19% 95.85%$151,405,545 0CHRISTUS HLTH PLAN1415468 065.79% 0.19% 96.04%

© 2019 National Association of Insurance Commissioners 78

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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

$147,371,291 19,355HAWAII MEDICAL SERV ASSN4994869 14,52677.66% 0.19% 96.23%$145,581,251 40,540TENNESSEE RURAL HLTH GRP467770 18,08884.38% 0.19% 96.41%$135,409,377 22,166SANFORD HLTH GRP124671 13,99586.14% 0.17% 96.58%$135,197,431 16,874AVERA HLTH PLANS INC9583972 11,26284.14% 0.17% 96.76%$133,418,188 19,690BCBS OF RI5347373 12,93581.01% 0.17% 96.93%$128,876,768 15,592FIRSTCARE GRP354974 9,01086.95% 0.16% 97.09%$123,479,060 24,683BLUE SHIELD OF CA GRP279875 14,75682.36% 0.16% 97.25%$122,025,113 0TRIPLE S GRP480276 083.35% 0.16% 97.40%$114,727,909 16,351NEW MEXICO HLTH CONNECTIONS1501177 16,35172.02% 0.15% 97.55%$114,310,929 14,903WISCONSIN PHYSICIANS SERV INS GRP6878 10,34183.02% 0.15% 97.69%$113,881,570 11,796HARVARD PILGRIM HLTH CARE GRP59579 10,10999.63% 0.14% 97.84%$109,173,673 22,869SENDERO HLTH PLANS INC1415180 14,99193.38% 0.14% 97.98%$103,076,276 22,116BRIGHT HLTH GRP488781 13,47871.82% 0.13% 98.11%

$96,914,254 22,641NEIGHBORHOOD HLTH PLAN OF RI INC9540282 22,64163.37% 0.12% 98.23%$93,775,140 7,657NETWORK HLTH GRP267883 5,63764.04% 0.12% 98.35%$77,908,074 15,025BCBS OF KC GRP53784 9,23251.07% 0.10% 98.45%$76,573,437 16,709BCBS OF NE GRP485885 9,40766.14% 0.10% 98.55%$76,313,862 15,582TOTAL HLTH GRP123886 10,57564.41% 0.10% 98.64%$75,328,400 7,929VANTAGE HLTH PLAN INC9558487 5,31667.58% 0.10% 98.74%$65,805,067 9,799HEALTH NOW NY INC5520488 7,96290.60% 0.08% 98.82%$63,797,014 10,671PRESBYTERIAN HLTHCARE SERV GRP48189 6,98185.33% 0.08% 98.90%$57,307,944 10,434FALLON GRP474190 7,61782.93% 0.07% 98.98%$55,740,912 7,660AULTMAN HLTH FOUNDATION GRP480591 4,13777.96% 0.07% 99.05%$54,797,747 3,075CVS GRP192 2,238265.33% 0.07% 99.12%$52,062,813 5,231SCOTT & WHITE GRP60093 3,40493.11% 0.07% 99.18%$48,627,671 5,057VANGUARD HLTH VENTURES GRP121294 3,50670.06% 0.06% 99.25%$48,510,743 7,251RENOWN HLTH GRP479195 7,25179.55% 0.06% 99.31%$46,050,332 5,482FRIDAY HLTH PLANS OF CO INC9577496 3,75871.85% 0.06% 99.37%$41,935,918 5,319CDPHP INC GRP470897 3,66475.43% 0.05% 99.42%$39,054,754 8,464HENRY FORD HLTH SYSTEM GRP131198 5,25868.58% 0.05% 99.47%$37,733,953 6,001BAYSTATE HLTH GRP475699 3,49388.93% 0.05% 99.52%$35,809,908 4,841GROUP HLTH COOP OF S CENTRAL WI95311100 3,56566.71% 0.05% 99.56%$35,003,450 5,305MCLAREN HLTH GRP4700101 3,63771.34% 0.04% 99.61%$33,593,001 5,013INDEPENDENT HLTH ASSN GRP4894102 3,61396.15% 0.04% 99.65%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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

$33,443,415 6,635COX INS GRP1203103 4,31899.43% 0.04% 99.69%$33,175,359 6,509PHYSICIANS HLTH PLAN OF MID MI GRP3408104 5,87076.18% 0.04% 99.73%$29,316,580 8,240MERCY HLTH CORP GRP3595105 2,95598.58% 0.04% 99.77%$28,330,286 3,816SUMMA HLTH GRP3259106 2,43891.98% 0.04% 99.81%$22,618,154 1,059DENVER HLTH MEDICAL PLAN INC95750107 1,05986.89% 0.03% 99.84%$18,151,243 5,388WELLCARE GRP1199108 5,22863.60% 0.02% 99.86%$18,137,586 8,333MEDICAL CARD SYSTEM INC GRP1301109 5,69162.90% 0.02% 99.88%$14,120,320 3,004TRUSTED HLTH PLANS GRP4893110 3,00485.37% 0.02% 100.00%$12,768,609 3,804AXA INS GRP968111 2,69376.91% 0.02% 100.00%

$7,022,769 3HUMANA GRP119112 2(769.43)% 0.01% 100.00%$5,190,565 1,639COMMUNITYCARE GRP3487113 1,174160.64% 0.01% 100.00%$4,979,646 346PREFERREDONE GRP3492114 22377.84% 0.01% 100.00%$4,343,703 801SOUTH DAKOTA STATE MED HOLDING CO96598115 5839.98% 0.01% 100.00%$4,200,151 0ATRIO HLTH PLANS INC10123116 0(25.55)% 0.01% 100.00%$4,100,667 906CRYSTAL RUN HLTH GRP4847117 906101.30% 0.01% 100.00%$3,690,560 0WEA GRP4939118 023.97% 0.00% 100.00%$3,509,543 462HEALTH PLAN GRP1297119 30587.91% 0.00% 100.00%$3,117,638 0NORTH SHORE LIJ HLTH CARE GRP4793120 00.00% 0.00% 100.00%$2,717,777 284USHEALTH GRP INC GRP839121 14492.83% 0.00% 100.00%$2,642,630 480AMERICAN NATL FIN GRP408122 284122.39% 0.00% 100.00%$2,350,778 76THRIVENT FINANCIAL FOR LUTHERANS GRP2938123 65166.57% 0.00% 100.00%$2,100,611 338PRUDENTIAL OF AMER GRP304124 284(1,472.30)% 0.00% 100.00%$1,593,117 914ISLAND HOME INS CO31658125 47577.13% 0.00% 100.00%

$78,619,327,255 11,072,308Grand Total 7,819,83772.57% 100.00%

© 2019 National Association of Insurance Commissioners 80

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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

$41,748,955 29,309UNITEDHEALTH GRP7071 17,47137.32% 38.11% 38.11%$28,438,462 18,117NATIONAL GEN GRP49282 11,80158.07% 25.96% 64.07%$17,475,030 21,075GENEVE HOLDINGS INC GRP4503 14,27936.22% 15.95% 80.02%

$4,119,484 2,909BLUE CROSS OF ID GRP12904 1,94454.90% 3.76% 83.78%$2,793,662 1,295CAMBIA HEALTH SOLUTIONS INC12075 8889.34% 2.55% 86.33%$2,721,307 1,565MEDICAL MUT OF OH GRP7306 1,11640.04% 2.48% 88.81%$2,695,407 1,951SPECTRUM HLTH GRP33837 1,95136.11% 2.46% 91.27%$2,567,439 2,321BCBS OF KC GRP5378 1,57078.88% 2.34% 93.62%$2,321,755 0USHEALTH GRP INC GRP8399 01,896.17% 2.12% 95.74%$1,250,449 1,221BCBS OF SC GRP66110 1,19144.22% 1.14% 96.88%$1,128,947 1,321ARKANSAS BCBS GRP87611 943141.09% 1.03% 97.91%

$800,337 863WARRIOR INVICTUS HOLDING CO GRP472712 59648.34% 0.73% 98.64%$353,635 324IHC INC GRP88013 32418.68% 0.32% 98.96%$332,866 2,012MUNICH RE GRP36114 2,01276.41% 0.30% 99.27%$325,646 347CARLE HOLDING CO GRP119215 257119.55% 0.30% 99.56%$178,430 424STANDARD LIFE & CAS INS CO7170616 212147.28% 0.16% 99.73%

$92,483 0MEDICA GRP155217 00.00% 0.08% 99.81%$76,598 1,108JACKSON NATL GRP91818 74031.49% 0.07% 99.88%$64,582 348NEW ERA LIFE GRP52019 211(83.86)% 0.06% 100.00%$42,149 59CATHOLIC HLTH INITIATIVES GRP480720 5870.67% 0.04% 100.00%$22,329 0TOKIO MARINE HOLDINGS INC GRP309821 0(12,721.81)% 0.02% 100.00%

$8,379 49SOUTHERN GUAR INS CO1917822 310.00% 0.01% 100.00%$600 0HUMANA GRP11923 0(26.50)% 0.00% 100.00%$231 0CAPITAL BLUE CROSS GRP123024 0(7,957.58)% 0.00% 100.00%$127 0HIGHMARK GRP81225 0(217.32)% 0.00% 100.00%

$109,551,339 86,618Grand Total 57,59582.23% 100.00%

© 2019 National Association of Insurance Commissioners 81

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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)

$623,487,095 2,676,834AFLAC GRP3701 1,358,94448.01% 50.57% 50.57%$115,047,403 99,034UNITEDHEALTH GRP7072 69,07040.19% 9.33% 59.90%$93,064,377 445,945STATE FARM GRP1763 398,50445.24% 7.55% 67.45%$87,083,665 190,149UNUM GRP5654 190,14957.72% 7.06% 74.51%$69,677,845 0TRIPLE S GRP48025 067.33% 5.65% 80.17%$65,158,288 135,972GUARANTEE TRUST GRP6876 135,41637.01% 5.28% 85.45%$45,107,572 57,115KEMPER CORP GRP2157 41,71762.85% 3.66% 89.11%$22,865,476 68,737PHYSICIANS MUT GRP3678 57,29923.87% 1.85% 90.96%$22,353,301 88,476HEALTHMARKETS GRP2649 61,37724.87% 1.81% 92.78%$18,271,220 158,854TORCHMARK CORP GRP29010 90,70432.26% 1.48% 94.26%$14,707,632 48,205ALLSTATE INS GRP811 24,13875.86% 1.19% 95.45%$13,544,357 54,445MUTUAL OF OMAHA GRP26112 45,26735.95% 1.10% 96.55%

$8,731,578 6,455AMERICAN NATL FIN GRP40813 4,94125.77% 0.71% 97.26%$6,087,403 16,263CNO FINANCIAL GRP23314 15,61338.22% 0.49% 97.75%$3,881,822 4,744AMERICAN ENTERPRISE MUT GRP352715 4,09747.22% 0.31% 98.07%$3,376,283 6,252HEARTLAND NATL LIFE INS CO6621416 6,25227.60% 0.27% 98.34%$2,801,120 37,970AEGON US HOLDING GRP46817 25,47817.64% 0.23% 98.57%$2,117,489 91,369NATIONAL TEACHERS ASSOC LIFE GROUP479618 13,77854.06% 0.17% 98.74%$1,885,615 3,160LIFE INS CO OF AL6541219 2,21427.16% 0.15% 98.89%$1,716,287 11,212USHEALTH GRP INC GRP83920 6,42750.61% 0.14% 99.03%$1,620,728 939CROY HALL MGMT GRP133921 55831.64% 0.13% 99.16%$1,427,563 5,919WOODMEN WORLD LIFE INS SOC5732022 4,00451.26% 0.12% 99.28%$1,370,387 59,221AMERICAN INTL GRP1223 53,29028.08% 0.11% 99.39%$1,244,817 8,689ASSURITY GRP486224 4,97875.81% 0.10% 99.49%$1,037,001 2,538ARKANSAS BCBS GRP87625 27349.13% 0.08% 99.58%

$979,581 4,373SUN LIFE ASSUR CO OF CN GRP54926 2,91577.52% 0.08% 99.66%$950,199 3,155AMERICAN FIDELITY CORP GRP33027 2,01334.51% 0.08% 99.73%$757,069 8,704BCBS OF KS GRP43028 6,30240.05% 0.06% 99.79%$678,128 5,233KSKJ LIFE AMER SLOVENIAN CATHOLIC UN5622729 5,23346.57% 0.06% 99.85%$629,502 491NATIONAL GEN GRP492830 31914.93% 0.05% 99.90%$621,533 1,458GGC GRP473631 1,31952.64% 0.05% 100.00%$555,752 1,337ADVANTAGE CAPITAL GRP482432 1,33726.72% 0.05% 100.00%$501,658 13,556COOPERATIVA DE SEGUROS DE VIDA7971533 13,55610.44% 0.04% 100.00%$444,652 1,720NEW YORK LIFE GRP82634 1,44440.81% 0.04% 100.00%

© 2019 National Association of Insurance Commissioners 82

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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)

$441,722 4,427PRUDENTIAL OF AMER GRP30435 3,9026,436.76% 0.04% 100.00%$380,061 1,267CIGNA HLTH GRP90136 2016.61% 0.03% 100.00%$350,259 3,073LOUISIANA HLTH SERV GRP43837 2,38157.65% 0.03% 100.00%$339,094 320NEW ERA LIFE GRP52038 2348.00% 0.03% 100.00%$308,804 220STANDARD LIFE & CAS INS CO7170639 12429.81% 0.03% 100.00%$275,585 2,924THRIVENT FINANCIAL FOR LUTHERANS GRP293840 2,331(10.87)% 0.02% 100.00%$260,609 318STATE MUT INS CO6913241 2375.36% 0.02% 100.00%$253,378 912TRUSTMARK MUT HOLDING CO GRP27642 700113.94% 0.02% 100.00%$249,500 95AXA INS GRP96843 8765.93% 0.02% 100.00%$216,349 1,244IOWA FARM BUREAU GRP51344 840(9.04)% 0.02% 100.00%$205,682 458PRIMERICA GRP475045 4584.08% 0.02% 100.00%$205,485 218AMERICAN FIDELITY & LIBERTY INC GRP128946 21815.05% 0.02% 100.00%$202,334 578BRIGHTHOUSE HOLDINGS GRP493247 515(309.62)% 0.02% 100.00%$168,385 1,490APOLLO GLOBAL MGMT GRP473448 1,312(6.77)% 0.01% 100.00%$160,089 266UNITED SERV AUTOMOBILE ASSN GRP20049 26617.16% 0.01% 100.00%$149,584 544WILTON RE GRP421350 544128.98% 0.01% 100.00%$140,467 1,027GENERAL ELECTRIC GRP35051 87116.30% 0.01% 100.00%$126,682 138UNITED SECURITY ASSUR CO OF PA4212952 138(47.35)% 0.01% 100.00%$117,584 793KANSAS CITY LIFE INS GRP58853 7934.61% 0.01% 100.00%$96,285 420PROTECTIVE LIFE INS GRP45854 42033.05% 0.01% 100.00%$82,635 924CONTINENTAL GEN INS CO7140455 799221.45% 0.01% 100.00%$78,507 448NATIONWIDE CORP GRP14056 42015.42% 0.01% 100.00%$71,733 347JOHN HANCOCK GRP90457 305269.37% 0.01% 100.00%$62,698 526NATIONAL GUARDIAN LIFE INS GRP121158 50931.47% 0.01% 100.00%$59,307 444SOUTHERN FARM BUREAU LIFE INS CO6889659 41027.58% 0.00% 100.00%$57,252 203METROPOLITAN GRP24160 19836.06% 0.00% 100.00%$50,538 228ORDER OF UNITED COMMERCIAL TRAVELERS5638361 192135.52% 0.00% 100.00%$48,650 1,608BALTIMORE LIFE INS CO6121262 1,60816.72% 0.00% 100.00%$37,234 32AMERICAN FAMILY INS GRP47363 30(18.95)% 0.00% 100.00%$34,207 100AMFIRST HOLDINGS GRP471964 100(6.29)% 0.00% 100.00%$32,805 148INDUSTRIAL ALLIANCE GRP31565 14818.92% 0.00% 100.00%$28,102 127LINCOLN NATL GRP2066 127(90.90)% 0.00% 100.00%$27,092 159BCBS OF MI GRP57267 15947.28% 0.00% 100.00%$23,194 0HOPMEADOW HOLDINGS GRP492668 086.52% 0.00% 100.00%

© 2019 National Association of Insurance Commissioners 83

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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)

$19,248 126MAXIMUM CORP GRP52669 111100.56% 0.00% 100.00%$19,135 137JACKSON NATL GRP91870 1353.03% 0.00% 100.00%$17,743 0CITIZENS SECURITY LIFE INS CO6192171 020.02% 0.00% 100.00%$17,329 0UNIVERSAL GUAR LIFE INS CO7013072 0(31.33)% 0.00% 100.00%$14,402 69ILLINOIS MUT LIFE INS CO6458073 59(245.37)% 0.00% 100.00%$14,070 44ASSURANT INC GRP1974 36(90.29)% 0.00% 100.00%$11,062 1,101SLOVENE NATL BENEFIT SOCIETY5767375 1,10181.07% 0.00% 100.00%$8,238 38BANNER LIFE GRP87276 334,471.60% 0.00% 100.00%$8,110 58AMERITAS MUT HOLDING GRP94377 5813.38% 0.00% 100.00%$7,634 21HORACE MANN GRP30078 17132.43% 0.00% 100.00%$7,629 30CATHOLIC FINANCIAL LIFE5603079 301,222.07% 0.00% 100.00%$5,626 24SECURITY MUT LIFE INS CO OF NY6877280 21116.42% 0.00% 100.00%$5,371 196UNITED TRANSPORTATION UNION INS ASSN5641381 165(14.45)% 0.00% 100.00%$5,232 34GLOBAL ATLANTIC GRP389182 261,129.59% 0.00% 100.00%$4,857 48COLUMBIAN LIFE GRP53583 48(59.25)% 0.00% 100.00%$3,943 79VOYA FINANCIAL GRP483284 7771.21% 0.00% 100.00%$3,170 57MEDICAL MUT OF OH GRP73085 410.00% 0.00% 100.00%$2,803 32SONS OF NORWAY5714286 32(57.44)% 0.00% 100.00%$2,649 0AMERICAN LIFE & SECURITY CORP6725387 0(191.62)% 0.00% 100.00%$2,243 16FINANCIAL HOLDINGS GRP44988 1522.96% 0.00% 100.00%$2,014 26AMERICAN FINANCIAL GRP8489 26(18.62)% 0.00% 100.00%$1,911 14KNIGHTS OF COLUMBUS5803390 1330.25% 0.00% 100.00%$1,652 17CNA INS GRP21891 172,001.27% 0.00% 100.00%$1,505 3SENTRY INS GRP16992 3171.89% 0.00% 100.00%$1,448 15CITIZENS GRP61293 15(12.71)% 0.00% 100.00%$1,417 0BCS INS GRP2394 0(20.47)% 0.00% 100.00%$1,297 11MEIJI YASUDA LIFE INS GRP134895 1122.82% 0.00% 100.00%$1,139 0COLONIAL SAVINGS GRP87896 0(0.44)% 0.00% 100.00%$1,046 38LIBERTY MUT GRP11197 38358.60% 0.00% 100.00%

$865 43CINCINNATI FIN GRP24498 436.71% 0.00% 100.00%$725 1OZARK NATL LIFE INS CO6739399 10.00% 0.00% 100.00%$378 20GENEVE HOLDINGS INC GRP450100 20(35.98)% 0.00% 100.00%$344 2GUARDIAN LIFE GRP429101 2(15,802.91)% 0.00% 100.00%$284 1VIRGINIA FARM BUREAU GRP203102 10.00% 0.00% 100.00%

© 2019 National Association of Insurance Commissioners 84

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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)

$259 1SWBC LIFE INS CO99538103 10.00% 0.00% 100.00%$224 5FEDERAL LIFE INS CO63223104 50.89% 0.00% 100.00%$215 3SECURITY NATL GRP454105 3(8.37)% 0.00% 100.00%$182 1BCBS OF SC GRP661106 10.00% 0.00% 100.00%

$84 4SURETY LIFE INS CO69310107 4405.95% 0.00% 100.00%$16 3MINNESOTA MUT GRP869108 30.00% 0.00% 100.00%

$1,232,893,963 4,352,068Grand Total 2,677,39150.00% 100.00%

© 2019 National Association of Insurance Commissioners 85

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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

$1,538,560,321 7,130,763AFLAC GRP3701 3,372,37666.21% 38.87% 38.87%$352,854,865 1,540,858TORCHMARK CORP GRP2902 769,14165.98% 8.91% 47.79%$314,324,480 610,748CNO FINANCIAL GRP2333 429,50284.30% 7.94% 55.73%$311,568,950 787,416UNUM GRP5654 787,41665.60% 7.87% 63.60%$214,589,926 593,393AMERICAN FIDELITY CORP GRP3305 396,38861.43% 5.42% 69.02%$138,616,527 106,668USHEALTH GRP INC GRP8396 66,05720.62% 3.50% 72.52%

$98,526,320 501,260ALLSTATE INS GRP87 250,58685.59% 2.49% 75.01%$86,905,907 0CHUBB LTD GRP6268 085.94% 2.20% 77.21%$85,970,287 112,114CONTINENTAL GEN INS CO714049 73,536(230.35)% 2.17% 79.38%$75,116,079 184,675HEALTHMARKETS GRP26410 128,78227.20% 1.90% 81.28%$73,462,808 233,558NATIONAL TEACHERS ASSOC LIFE GROUP479611 174,39246.19% 1.86% 83.13%$67,056,855 253,996AEGON US HOLDING GRP46812 130,57853.42% 1.69% 84.83%$62,806,554 86,058GUARANTEE TRUST GRP68713 48,80345.73% 1.59% 86.42%$60,021,952 358,667MUTUAL OF OMAHA GRP26114 269,06759.52% 1.52% 87.93%$50,405,894 110,531MANHATTAN LIFE GRP111715 74,610161.85% 1.27% 89.21%$47,975,650 142,554CIGNA HLTH GRP90116 111,50039.52% 1.21% 90.42%$31,499,313 144,457KEMPER CORP GRP21517 89,75647.72% 0.80% 91.21%$29,470,980 129,713MULTINATIONAL GRP480418 70,73871.08% 0.74% 91.96%$25,147,234 113,736AMERICAN INTL GRP1219 81,27694.75% 0.64% 92.59%$24,918,628 44,224STATE MUT INS CO6913220 30,57727.75% 0.63% 93.22%$22,289,104 93,013WEST SOUTHERN GRP83621 41,143113.67% 0.56% 93.79%$19,866,395 51,568LIFE INS CO OF AL6541222 30,10759.54% 0.50% 94.29%$19,778,490 46,963NEW ERA LIFE GRP52023 29,36877.75% 0.50% 94.79%$19,581,886 44,753WILTON RE GRP421324 44,75392.75% 0.49% 95.28%$18,265,117 53,044ARKANSAS BCBS GRP87625 1,77463.27% 0.46% 95.74%$18,011,885 45,704CVS GRP126 38,91933.38% 0.46% 96.20%$16,469,934 30,323AMERICAN ENTERPRISE MUT GRP352727 18,67726.16% 0.42% 96.61%$15,759,724 44,778TRUSTMARK MUT HOLDING CO GRP27628 32,62926.28% 0.40% 97.01%$14,479,760 38,248ASSURITY GRP486229 24,68275.84% 0.37% 97.38%$12,342,662 13,447PROTECTIVE LIFE INS GRP45830 13,447102.26% 0.31% 97.69%$10,556,794 42,538COOPERATIVA DE SEGUROS DE VIDA7971531 42,53862.27% 0.27% 97.96%

$8,531,465 6,529CROY HALL MGMT GRP133932 3,70734.00% 0.22% 98.17%$7,637,353 70,853APOLLO GLOBAL MGMT GRP473433 31,33015.19% 0.19% 98.37%$5,862,554 19,832UNITEDHEALTH GRP70734 18,61216.88% 0.15% 98.51%

© 2019 National Association of Insurance Commissioners 86

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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

$5,265,539 26,822AMERICAN NATL FIN GRP40835 17,48357.28% 0.13% 98.65%$5,260,523 24,785WOODMEN WORLD LIFE INS SOC5732036 24,78561.82% 0.13% 98.78%$5,234,812 59,411NATIONAL FAMILY CARE LIFE INS CO8695937 33,94914.18% 0.13% 98.91%$4,807,096 20,170MAPFRE INS GRP41138 20,17041.56% 0.12% 99.03%$3,980,884 17,906PHYSICIANS MUT GRP36739 14,47357.97% 0.10% 99.13%$3,842,192 18,718UNIFIED LIFE INS CO1112140 17,76238.83% 0.10% 99.23%$3,761,384 37,455JACKSON NATL GRP91841 20,191274.95% 0.10% 99.33%$3,335,646 87HUMANA GRP11942 8748.58% 0.08% 99.41%$3,146,081 3,163VOYA FINANCIAL GRP483243 1,65475.19% 0.08% 99.49%$2,022,260 28,951SOUTHERN FARM BUREAU LIFE INS CO6889644 18,49190.65% 0.05% 99.54%$1,845,215 5,918GGC GRP473645 4,82051.08% 0.05% 99.59%$1,692,867 5,528BOSTON MUT GRP58146 3,40335.64% 0.04% 99.63%$1,621,960 20,571SUN LIFE ASSUR CO OF CN GRP54947 11,755117.80% 0.04% 99.67%$1,605,318 1,926GENEVE HOLDINGS INC GRP45048 1,29621.70% 0.04% 99.71%$1,218,918 11,467GENERAL ELECTRIC GRP35049 8,19550.90% 0.03% 99.74%$1,142,711 19,230BCBS OF KS GRP43050 15,34824.23% 0.03% 99.77%$1,064,753 23,867UNITED TRANSPORTATION UNION INS ASSN5641351 14,60518.91% 0.03% 99.80%

$956,429 2,124LOUISIANA HLTH SERV GRP43852 1,47748.31% 0.02% 99.82%$632,349 3,186ILLINOIS MUT LIFE INS CO6458053 1,6908.07% 0.02% 99.84%$596,980 2,033ATLANTIC AMER GRP58754 2,03331.51% 0.02% 99.85%$582,917 1,625NATIONWIDE CORP GRP14055 2,663331.99% 0.01% 99.87%$457,075 4,629NATIONAL GEN GRP492856 2,89521.03% 0.01% 99.88%$407,439 2,691BCBS OF MI GRP57257 2,69131.71% 0.01% 99.89%$394,917 466EMC NATL LIFE CO6292858 41487.30% 0.01% 100.00%$339,565 6,658FIDELITY SECURITY GRP45159 2,00521.69% 0.01% 100.00%$319,540 2,947INDUSTRIAL ALLIANCE GRP31560 2,947177.12% 0.01% 100.00%$296,819 906WELLCARE GRP119961 87151.52% 0.01% 100.00%$281,484 684HEARTLAND NATL LIFE INS CO6621462 68412.57% 0.01% 100.00%$278,526 1,634STANDARD LIFE & CAS INS CO7170663 1,22542.20% 0.01% 100.00%$256,212 378FINANCIAL HOLDINGS GRP44964 37889.06% 0.01% 100.00%$242,716 6,844OZARK NATL LIFE INS CO6739365 4,02442.07% 0.01% 100.00%$225,096 632BALTIMORE LIFE INS CO6121266 632112.36% 0.01% 100.00%$212,870 1,135LINCOLN NATL GRP2067 1,13528.98% 0.01% 100.00%$179,491 179HOPMEADOW HOLDINGS GRP492668 179220.84% 0.00% 100.00%

© 2019 National Association of Insurance Commissioners 87

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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

$167,788 0CITIZENS SECURITY LIFE INS CO6192169 06.96% 0.00% 100.00%$151,512 987SURETY LIFE & CAS INS CO6932970 89690.45% 0.00% 100.00%$150,778 492WARRIOR INVICTUS HOLDING CO GRP472771 36918.80% 0.00% 100.00%$104,902 638MAXIMUM CORP GRP52672 60879.75% 0.00% 100.00%

$81,064 527ASSURANT INC GRP1973 41219.30% 0.00% 100.00%$78,764 2,230CITIZENS GRP61274 2,230259.51% 0.00% 100.00%$68,057 144CENTRAL STATES GRP69075 911,183.82% 0.00% 100.00%$53,574 1,082NATIONAL LIFE GRP63476 596(16.22)% 0.00% 100.00%$49,403 151SECURITY NATL GRP45477 151(24.92)% 0.00% 100.00%$43,942 49NATIONAL GUARDIAN LIFE INS GRP121178 42(25.01)% 0.00% 100.00%$43,705 743AMFIRST HOLDINGS GRP471979 743(17.88)% 0.00% 100.00%$34,844 645KANSAS CITY LIFE INS GRP58880 635(25.26)% 0.00% 100.00%$34,747 54US ALLIANCE CORP GRP490081 540.00% 0.00% 100.00%$29,876 339HORACE MANN GRP30082 23232.78% 0.00% 100.00%$29,800 61MISSISSIPPI INS GRP112683 40(35.87)% 0.00% 100.00%$28,650 202UNITED SECURITY ASSUR CO OF PA4212984 202(25.04)% 0.00% 100.00%$25,048 243AMERCO CORP GRP57485 24380.30% 0.00% 100.00%$23,864 190VIRGINIA FARM BUREAU GRP20386 19031.09% 0.00% 100.00%$23,043 63LIBERTY LIFE GRP TRUST GRP343687 287.24% 0.00% 100.00%$18,341 41HOMESHIELD CAPITAL GRP285888 4124.74% 0.00% 100.00%$17,000 638CINCINNATI FIN GRP24489 597(62.15)% 0.00% 100.00%$12,701 124AMERITAS MUT HOLDING GRP94390 124(70.97)% 0.00% 100.00%

$8,018 8UNITED HERITAGE MUT GRP287891 7(58.44)% 0.00% 100.00%$6,156 109CNA INS GRP21892 109(6.61)% 0.00% 100.00%$6,031 30ADVANTAGE CAPITAL GRP482493 23439.66% 0.00% 100.00%$4,397 16CAMBIA HEALTH SOLUTIONS INC120794 12(0.80)% 0.00% 100.00%$4,392 6ORDER OF UNITED COMMERCIAL TRAVELERS5638395 63.32% 0.00% 100.00%$4,330 0AMERICAN HOME LIFE INS CO6054296 199(98.11)% 0.00% 100.00%$4,302 341INDIANA FARM BUREAU GRP54297 32240.47% 0.00% 100.00%$2,003 43SONS OF NORWAY5714298 31(9.49)% 0.00% 100.00%$1,577 3ENTERPRISE INVESTMENTS GRP492299 3620.16% 0.00% 100.00%$1,273 7GUARDIAN LIFE GRP429100 453.42% 0.00% 100.00%$1,138 6POWELL INS GRP4955101 63,859.58% 0.00% 100.00%

$488 0CITIZENS FIDELITY INS CO83968102 00.00% 0.00% 100.00%

© 2019 National Association of Insurance Commissioners 88

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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

$431 12COLUMBIAN LIFE GRP535103 12(223.43)% 0.00% 100.00%$337 16SURETY LIFE INS CO69310104 16(0.30)% 0.00% 100.00%$253 1SENTRY INS GRP169105 1100.00% 0.00% 100.00%

$80 2FIRST TRINITY FIN GRP4752106 20.00% 0.00% 100.00%

$3,958,057,846 14,161,951Grand Total 7,992,45459.03% 100.00%

© 2019 National Association of Insurance Commissioners 89

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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

$5,535,214,901 223,122CENTENE CORP GRP12951 223,12291.18% 92.28% 92.28%$83,094,261 75,661CNO FINANCIAL GRP2332 71,55954.43% 1.39% 93.67%$75,189,782 46,410NEW ERA LIFE GRP5203 26,64041.70% 1.25% 94.92%$72,898,311 9,415CAPITAL BLUE CROSS GRP12304 5,90852.88% 1.22% 96.13%$60,625,536 280,284VISION SERV PLAN GRP11895 280,28452.83% 1.01% 97.15%$33,086,104 235,599AFLAC GRP3706 135,21935.38% 0.55% 97.70%$29,977,571 169,833HUMANA GRP1197 136,00325.10% 0.50% 98.20%$21,056,290 43,770KEMPER CORP GRP2158 39,72842.56% 0.35% 98.55%$15,293,950 197,280HEALTHMARKETS GRP2649 126,81737.72% 0.25% 98.80%$11,849,575 127,937UNITEDHEALTH GRP70710 87,00352.00% 0.20% 99.00%$11,485,452 32,906AMERICAN ENTERPRISE MUT GRP352711 31,69733.81% 0.19% 99.19%$9,927,798 57,443FIDELITY SECURITY GRP45112 46,89048.74% 0.17% 99.36%$6,669,358 57,741AMERITAS MUT HOLDING GRP94313 57,74135.43% 0.11% 99.47%$3,928,678 10,943SOUTHLAND NATL HOLDING GRP482714 10,94373.11% 0.07% 99.53%$3,925,189 5,746ATLANTIC AMER GRP58715 5,74668.29% 0.07% 99.60%$2,862,586 44,940ANTHEM INC GRP67116 33,13542.68% 0.05% 99.65%$2,587,531 883CIGNA HLTH GRP90117 75058.69% 0.04% 99.69%$2,148,659 1,754ORDER OF UNITED COMMERCIAL TRAVELERS5638318 1,75413.54% 0.04% 99.73%$1,903,639 6,251STANDARD LIFE & CAS INS CO7170619 6,25139.31% 0.03% 99.76%$1,703,050 20,462USHEALTH GRP INC GRP83920 12,04139.64% 0.03% 99.79%$1,491,679 1,216NATIONAL GUARDIAN LIFE INS GRP121121 1,21658.65% 0.02% 99.81%$1,373,758 693ADVANTAGE CAPITAL GRP482422 45629.47% 0.02% 99.83%$1,350,115 13,940MEDICAL MUT OF OH GRP73023 8,44562.11% 0.02% 99.86%$1,285,697 0INDEPENDENCE HLTH GRP INC GRP93624 063.73% 0.02% 99.88%$1,198,990 8,430METROPOLITAN GRP24125 7,858171.53% 0.02% 99.90%

$769,214 1,247UNITED SECURITY ASSUR CO OF PA4212926 1,2477.55% 0.01% 100.00%$721,929 2,232BCBS OF MI GRP57227 1,86538.23% 0.01% 100.00%$699,345 629TIPTREE FIN GRP471828 62938.92% 0.01% 100.00%$613,290 394HCSC GRP91729 17935.40% 0.01% 100.00%$581,145 1,346WELLCARE GRP119930 1,3016.84% 0.01% 100.00%$528,997 2,594UNIFIED LIFE INS CO1112131 2,5037.93% 0.01% 100.00%$509,795 8,945SOUTHERN GUAR INS CO1917832 5,76475.02% 0.01% 100.00%$423,060 3,630CAMBIA HEALTH SOLUTIONS INC120733 2,03580.83% 0.01% 100.00%$282,838 548CONTINENTAL GEN INS CO7140434 38811.90% 0.00% 100.00%

© 2019 National Association of Insurance Commissioners 90

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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

$210,847 213KANSAS CITY LIFE INS GRP58835 213822.01% 0.00% 100.00%$158,222 175CVS GRP136 17567.56% 0.00% 100.00%$122,434 0DG ELMORE GRP478437 042.07% 0.00% 100.00%$107,842 190PHYSICIANS MUT GRP36738 19029.75% 0.00% 100.00%$105,296 0GENEVE HOLDINGS INC GRP45039 011.40% 0.00% 100.00%

$77,179 835OPTICARE OF UT1253340 35945.05% 0.00% 100.00%$61,328 358WEST SOUTHERN GRP83641 35891.01% 0.00% 100.00%$44,788 239APOLLO GLOBAL MGMT GRP473442 2004.50% 0.00% 100.00%$36,638 652SOLSTICE GRP486643 39843.71% 0.00% 100.00%$25,011 25GGC GRP473644 25(13.14)% 0.00% 100.00%$22,009 42HORACE MANN GRP30045 394.48% 0.00% 100.00%$12,901 83MISSISSIPPI INS GRP112646 42(10.29)% 0.00% 100.00%$10,877 259ALFA INS GRP547 259140.96% 0.00% 100.00%

$5,989 27NEW YORK LIFE GRP82648 230.67% 0.00% 100.00%$3,924 30SURETY LIFE & CAS INS CO6932949 3031.55% 0.00% 100.00%$2,895 0RENAISSANCE HLTH SERV CORP GRP47750 00.00% 0.00% 100.00%$1,609 25FINANCIAL HOLDINGS GRP44951 25(30.83)% 0.00% 100.00%$1,237 17CENTRAL STATES GRP69052 1419.73% 0.00% 100.00%$1,029 8FARMERS INS GRP6953 8(3.30)% 0.00% 100.00%

$480 2INDUSTRIAL ALLIANCE GRP31554 2199.58% 0.00% 100.00%$419 1JACKSON NATL GRP91855 1203.10% 0.00% 100.00%

$33 1CITIZENS GRP61256 1(1,693.94)% 0.00% 100.00%

$5,998,271,060 1,697,406Grand Total 1,375,47987.76% 100.00%

© 2019 National Association of Insurance Commissioners 91

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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

$159,327,280 72,469BCBS OF MA GRP36371 72,190124.34% 83.13% 83.13%$12,738,519 7,599CDPHP INC GRP47082 7,59991.33% 6.65% 89.78%

$7,615,237 9,689BCBS OF SC GRP6613 9,31482.00% 3.97% 93.75%$5,418,323 13,307AMERITAS MUT HOLDING GRP9434 13,30742.48% 2.83% 96.58%$3,093,982 0VIVA HLTH INC953225 089.06% 1.61% 98.19%$2,385,827 526HAWAII MEDICAL SERV ASSN499486 49658.03% 1.24% 99.44%

$750,297 423WISCONSIN PHYSICIANS SERV INS GRP687 41980.47% 0.39% 99.83%$144,161 64SCOTT & WHITE GRP6008 63100.99% 0.08% 100.00%$125,063 667GROUP HLTH COOP OF S CENTRAL WI953119 15064.39% 0.07% 100.00%

$56,519 386UNIVERSAL FIDELITY LIFE INS CO7012210 38653.10% 0.03% 100.00%

$191,655,208 105,130Grand Total 103,924116.51% 100.00%

© 2019 National Association of Insurance Commissioners 92

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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

$1,294,584,565 6,701,129AFLAC GRP3701 3,191,19339.56% 41.89% 41.89%$309,963,998 866,204UNUM GRP5652 866,20437.78% 10.03% 51.92%$306,569,090 33,215HARVARD PILGRIM HLTH CARE GRP5953 21,48977.70% 9.92% 61.84%$226,486,361 0CHUBB LTD GRP6264 040.02% 7.33% 69.17%$144,545,838 2,016,261TORCHMARK CORP GRP2905 1,560,56539.42% 4.68% 73.85%$102,599,833 280,003AMERICAN FIDELITY CORP GRP3306 226,39242.47% 3.32% 77.17%

$80,180,692 162,192CNO FINANCIAL GRP2337 141,07459.40% 2.59% 79.76%$65,244,257 0INTACT FINANCIAL GRP49048 033.91% 2.11% 81.87%$61,795,667 247,045ALLSTATE INS GRP89 126,70341.81% 2.00% 83.87%$55,129,606 273,779AMERICAN INTL GRP1210 229,08632.18% 1.78% 85.66%$50,998,817 346,646MUTUAL OF OMAHA GRP26111 255,91238.87% 1.65% 87.31%$40,557,560 673,116TIPTREE FIN GRP471812 673,1168.06% 1.31% 88.62%$37,762,686 382,110AEGON US HOLDING GRP46813 232,08548.43% 1.22% 89.84%$37,643,107 231,206HEALTHMARKETS GRP26414 155,03318.02% 1.22% 91.06%$24,090,355 128,441USHEALTH GRP INC GRP83915 73,79238.27% 0.78% 91.84%$22,468,342 105,235POLICE & FIREMENS INS ASSN5800916 105,23545.52% 0.73% 92.56%$21,690,004 106,151NATIONAL TEACHERS ASSOC LIFE GROUP479617 54,88346.96% 0.70% 93.27%$19,198,740 141,260GUARANTEE TRUST GRP68718 141,04062.80% 0.62% 93.89%$18,009,916 95,126TRUSTMARK MUT HOLDING CO GRP27619 49,54557.94% 0.58% 94.47%$16,041,557 198,996KEMPER CORP GRP21520 127,22929.87% 0.52% 94.99%$14,350,577 89,971ZURICH INS GRP21221 91,84120.12% 0.46% 95.45%$13,837,160 169,630WEST SOUTHERN GRP83622 153,8433.45% 0.45% 95.90%$12,291,696 450BERKSHIRE HATHAWAY GRP3123 45028.90% 0.40% 96.30%$10,339,136 28,292CIGNA HLTH GRP90124 18,51541.45% 0.33% 96.63%

$8,979,266 50,342UNITEDHEALTH GRP70725 33,66924.51% 0.29% 96.92%$8,336,754 28,258NEW ERA LIFE GRP52026 16,38235.28% 0.27% 97.19%$7,884,992 49,423BOSTON MUT GRP58127 24,73221.53% 0.26% 97.45%$7,298,098 28,772ARKANSAS BCBS GRP87628 97521.12% 0.24% 97.69%$6,616,570 0CUNA MUT GRP30629 047.09% 0.21% 97.90%$5,767,577 28,118ASSURITY GRP486230 20,93068.37% 0.19% 98.09%$5,444,247 19,387INDEPENDENT ORDER OF FORESTERS US BR5806831 19,38720.92% 0.18% 98.26%$4,365,098 57,710COOPERATIVA DE SEGUROS DE VIDA7971532 57,7109.43% 0.14% 98.40%$4,048,210 16,849BCBS OF MI GRP57233 9,07843.65% 0.13% 98.54%$3,806,309 19,897MANHATTAN LIFE GRP111734 14,61947.44% 0.12% 98.66%

© 2019 National Association of Insurance Commissioners 93

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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

$3,398,058 0USIC GRP359335 034.61% 0.11% 98.77%$3,132,978 40,516AMERICAN NATL FIN GRP40836 35,73027.85% 0.10% 98.87%$3,113,153 9,536LIFE INS CO OF AL6541237 7,46235.11% 0.10% 98.97%$2,973,123 17,117AXA INS GRP96838 17,11750.79% 0.10% 99.07%$2,822,218 17,060ILLINOIS MUT LIFE INS CO6458039 9,43647.87% 0.09% 99.16%$2,410,072 11,570STATE MUT INS CO6913240 9,57955.09% 0.08% 99.24%$2,047,793 621,471APOLLO GLOBAL MGMT GRP473441 514,857(191.36)% 0.07% 99.30%$1,968,296 14,296BANNER LIFE GRP87242 14,296146.41% 0.06% 99.37%$1,608,514 11,993NATIONAL GEN GRP492843 8,56912.81% 0.05% 99.42%$1,594,388 14,716UNITED TRANSPORTATION UNION INS ASSN5641344 10,59830.64% 0.05% 99.47%$1,578,818 28,951ASSURANCEAMERICA CORP GRP490945 28,9511.81% 0.05% 99.52%$1,276,351 15,425LEON HIX GRP474846 11,5644.17% 0.04% 99.56%$1,114,079 24,987GENERAL ELECTRIC GRP35047 11,95329.23% 0.04% 99.60%$1,071,774 5,885CONTINENTAL GEN INS CO7140448 4,057(44.25)% 0.03% 99.63%

$988,491 7,378GENEVE HOLDINGS INC GRP45049 4,99128.93% 0.03% 99.66%$772,121 3,830PHYSICIANS MUT GRP36750 2,78034.63% 0.02% 99.69%$669,652 11,544ORDER OF UNITED COMMERCIAL TRAVELERS5638351 10,44874.19% 0.02% 99.71%$647,601 445,753HOOSIER MOTOR MUT INS CO2795252 445,7530.98% 0.02% 99.73%$624,814 853,975ASSURANT INC GRP1953 836,015(194.68)% 0.02% 99.75%$578,538 17,284CITIZENS GRP61254 17,284(1.68)% 0.02% 99.77%$572,328 8,508ALFA INS GRP555 8,508(0.79)% 0.02% 99.79%$533,272 2,114AMALGAMATED LIFE INS CO6021656 2,11441.26% 0.02% 99.81%$511,174 8,823CVS GRP157 8,35657.23% 0.02% 99.82%$455,444 1,059SURETY LIFE & CAS INS CO6932958 93351.52% 0.01% 99.84%$436,490 714HOMESHIELD CAPITAL GRP285859 71468.39% 0.01% 99.85%$327,638 3,015LINCOLN HERITAGE LIFE INS CO6592760 3,01510.96% 0.01% 99.86%$323,236 0TRAVELERS GRP354861 0233.06% 0.01% 99.87%$321,791 19,303TRAVELERS PROTECTIVE ASSN OF AMER5600662 19,30394.87% 0.01% 99.88%$311,760 5,990NATIONWIDE CORP GRP14063 5,9650.33% 0.01% 99.89%$302,469 3,483RESERVOIR CAPITAL GRP476464 3,48369.47% 0.01% 100.00%$286,075 1,398CROY HALL MGMT GRP133965 78520.73% 0.01% 100.00%$268,961 3,855UNIFIED LIFE INS CO1112166 3,5626.27% 0.01% 100.00%$236,144 0CAMBIA HEALTH SOLUTIONS INC120767 010.59% 0.01% 100.00%$171,186 1,036MUNICH RE GRP36168 1,036103.35% 0.01% 100.00%

© 2019 National Association of Insurance Commissioners 94

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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

$169,880 3,908ECG GRP482669 3,90863.66% 0.01% 100.00%$160,726 580SWISS RE GRP18170 580(60.46)% 0.01% 100.00%$154,871 468STANDARD LIFE & CAS INS CO7170671 30625.12% 0.01% 100.00%$144,290 1,461LINCOLN NATL GRP2072 1,46120.10% 0.00% 100.00%$143,476 11TOKIO MARINE HOLDINGS INC GRP309873 1158.57% 0.00% 100.00%$141,210 515ATLANTIC AMER GRP58774 51525.40% 0.00% 100.00%$113,239 1,766UNION LABOR GRP78175 690(306.91)% 0.00% 100.00%$109,853 2,736FIRST NET INS CO1097276 8206.04% 0.00% 100.00%$104,248 895WILTON RE GRP421377 895(92.76)% 0.00% 100.00%

$95,496 2,278KANSAS CITY LIFE INS GRP58878 2,278(1.68)% 0.00% 100.00%$88,871 0ADVANTAGE CAPITAL GRP482479 012.73% 0.00% 100.00%$81,055 0COLONIAL SAVINGS GRP87880 00.00% 0.00% 100.00%$60,403 353SECURITY MUT LIFE INS CO OF NY6877281 35319.41% 0.00% 100.00%$54,809 1,683WELLCARE GRP119982 1,392134.13% 0.00% 100.00%$47,670 3,605SECURITY NATL GRP45483 3,60512.79% 0.00% 100.00%$43,318 375LIBERTY LIFE GRP TRUST GRP343684 32913.01% 0.00% 100.00%$27,292 0GREAT WEST GRP76985 07.14% 0.00% 100.00%$26,048 1,009SAMMONS ENTERPRISES GRP43186 1,00992.77% 0.00% 100.00%$22,060 21AMERICAN FINANCIAL GRP8487 21(2,500.24)% 0.00% 100.00%$19,042 510HORACE MANN GRP30088 510(1.83)% 0.00% 100.00%$18,925 2,243JACKSON NATL GRP91889 2,23251.66% 0.00% 100.00%$16,974 1,476CINCINNATI FIN GRP24490 1,476243.66% 0.00% 100.00%$16,492 0BRIGHT HLTH GRP488791 03.76% 0.00% 100.00%$14,814 6,868AMERICAN ENTERPRISE MUT GRP352792 4,738647.62% 0.00% 100.00%$13,400 2,297GLEANER LIFE INS SOCIETY5615493 2,29793.43% 0.00% 100.00%$13,311 707INDUSTRIAL ALLIANCE GRP31594 707180.70% 0.00% 100.00%$12,496 435,822OLD REPUBLIC GRP15095 435,822(8,927.30)% 0.00% 100.00%$11,056 0METROPOLITAN GRP24196 0(568.89)% 0.00% 100.00%$10,527 406AMERICAN FAMILY INS GRP47397 28422.88% 0.00% 100.00%$10,224 242NATIONAL GUARDIAN LIFE INS GRP121198 24261.74% 0.00% 100.00%

$8,739 607BCBS OF KS GRP43099 6077.35% 0.00% 100.00%$8,244 126GUARDIAN LIFE GRP429100 86114.81% 0.00% 100.00%$7,398 0CHINA MINSHENG GRP4863101 00.00% 0.00% 100.00%$6,444 1,641FEDERAL LIFE INS CO63223102 1,641(3.51)% 0.00% 100.00%

© 2019 National Association of Insurance Commissioners 95

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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

$4,841 322FARMERS MUT HAIL INS GRP569103 3220.00% 0.00% 100.00%$4,449 94CATHOLIC FINANCIAL LIFE56030104 94(0.90)% 0.00% 100.00%$3,900 49GENWORTH FIN GRP4011105 49(12.08)% 0.00% 100.00%$3,776 22AMFIRST HOLDINGS GRP4719106 22147.40% 0.00% 100.00%$3,621 322BALTIMORE LIFE INS CO61212107 322(96.30)% 0.00% 100.00%$3,145 38STATE FARM GRP176108 38(10.46)% 0.00% 100.00%$2,845 147FIRST TRINITY FIN GRP4752109 1320.00% 0.00% 100.00%$2,476 95MEDICAL MUT OF OH GRP730110 610.00% 0.00% 100.00%$1,920 14ENTERPRISE INVESTMENTS GRP4922111 14(3.13)% 0.00% 100.00%$1,749 11MAXIMUM CORP GRP526112 1179.02% 0.00% 100.00%$1,496 0WICHITA NATL LIFE GRP132113 00.00% 0.00% 100.00%$1,313 12UNITED SECURITY ASSUR CO OF PA42129114 1262.30% 0.00% 100.00%

$957 6FARMERS INS GRP69115 6(177.74)% 0.00% 100.00%$926 7PREFERREDONE GRP3492116 60.00% 0.00% 100.00%$924 16THRIVENT FINANCIAL FOR LUTHERANS GRP2938117 15(32.58)% 0.00% 100.00%$912 14VOYA FINANCIAL GRP4832118 14(1.64)% 0.00% 100.00%$531 9ALLIANZ INS GRP761119 91,173.63% 0.00% 100.00%$463 0EMC NATL LIFE CO62928120 0120.73% 0.00% 100.00%$366 0CITIZENS FIDELITY INS CO83968121 00.00% 0.00% 100.00%$306 0CITIZENS SECURITY LIFE INS CO61921122 00.00% 0.00% 100.00%$300 0AMALGAMATED CAS INS CO13293123 30.00% 0.00% 100.00%$198 11PRIMERICA GRP4750124 110.00% 0.00% 100.00%$184 44SCOTT & WHITE GRP600125 44(1,304.35)% 0.00% 100.00%

$3,090,392,848 16,596,804Grand Total 11,535,01842.64% 100.00%

© 2019 National Association of Insurance Commissioners 96

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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

$1,091,118,532 1,778,962AFLAC GRP3701 1,778,95247.93% 43.32% 43.32%$548,204,634 880,259UNUM GRP5652 880,25946.97% 21.76% 65.08%

$94,275,117 234,748STATE FARM GRP1763 234,74839.64% 3.74% 68.83%$88,014,195 0CHUBB LTD GRP6264 060.33% 3.49% 72.32%$78,294,424 97,544ALLSTATE INS GRP85 97,54257.04% 3.11% 75.43%$75,334,240 34,417NORTHWESTERN MUT GRP8606 34,41710.05% 2.99% 78.42%$60,343,716 426,744AMTRUST FINANCIAL SERV GRP25387 37,29855.73% 2.40% 80.82%$55,873,625 29,486PRINCIPAL FIN GRP3328 29,48646.14% 2.22% 83.03%$48,424,924 20,612GUARDIAN LIFE GRP4299 20,61234.75% 1.92% 84.96%$38,317,262 3,541CONTINENTAL GEN INS CO7140410 3,541(288.95)% 1.52% 86.48%$31,474,199 37,867NATIONAL TEACHERS ASSOC LIFE GROUP479611 41,28847.47% 1.25% 87.73%$29,524,941 49,636ASSURITY GRP486212 48,55044.00% 1.17% 88.90%$26,960,534 14,227MEIJI YASUDA LIFE INS GRP134813 16,53445.95% 1.07% 89.97%$26,682,996 54,967AEGON US HOLDING GRP46814 28,27355.65% 1.06% 91.03%$24,949,252 170TOKIO MARINE HOLDINGS INC GRP309815 17059.65% 0.99% 92.02%$23,103,231 14,839AMERITAS MUT HOLDING GRP94316 14,83915.99% 0.92% 92.94%$22,296,687 49,408ILLINOIS MUT LIFE INS CO6458017 49,40858.47% 0.89% 93.82%$22,098,233 18,456TRUSTMARK MUT HOLDING CO GRP27618 18,4567.64% 0.88% 94.70%$20,017,768 8,727METROPOLITAN GRP24119 8,72747.21% 0.79% 95.49%$15,302,838 22,103SUN LIFE ASSUR CO OF CN GRP54920 17,68250.71% 0.61% 96.10%$12,627,835 25,265MANHATTAN LIFE GRP111721 24,93061.12% 0.50% 96.60%$10,167,319 45,875AMERICAN INTL GRP1222 30,588149.93% 0.40% 97.01%

$8,761,410 10,256MUTUAL OF OMAHA GRP26123 10,25651.47% 0.35% 97.36%$7,982,825 6,365FEDERATED MUT GRP724 6,36524.02% 0.32% 97.67%$5,421,202 4,211LINCOLN NATL GRP2025 4,211438.87% 0.22% 97.89%$5,056,516 11,128HEALTHMARKETS GRP26426 11,05018.67% 0.20% 98.09%$4,216,942 5,364BOSTON MUT GRP58127 5,36452.98% 0.17% 98.26%$4,102,399 1,812MINNESOTA MUT GRP86928 2,295(51.25)% 0.16% 98.42%$3,528,659 2,389OHIO NATL LIFE GRP70429 2,38914.53% 0.14% 98.56%$3,199,397 4,429COUNTRY INS & FIN SERV GRP5030 4,429108.74% 0.13% 98.69%$3,122,306 2,896AMERICAN ENTERPRISE MUT GRP352731 2,896118.42% 0.12% 98.81%$2,828,817 4,016AMALGAMATED LIFE INS CO6021632 4,01679.38% 0.11% 98.92%$2,653,974 874CVS GRP133 87155.01% 0.11% 99.03%$2,228,375 4,228LIFE INS CO OF AL6541234 4,22848.06% 0.09% 99.12%

© 2019 National Association of Insurance Commissioners 97

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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

$1,870,698 4,461IOWA FARM BUREAU GRP51335 4,461(20.83)% 0.07% 99.19%$1,787,551 2,931AUTO OWNERS GRP28036 2,93136.13% 0.07% 99.26%$1,754,304 4,384JACKSON NATL GRP91837 4,38421.43% 0.07% 99.33%$1,675,246 6,132NATIONAL GUARDIAN LIFE INS GRP121138 6,132113.54% 0.07% 99.40%$1,533,589 1,796AMERICAN NATL FIN GRP40839 1,79641.30% 0.06% 99.46%$1,187,354 1,232ATLANTIC AMER GRP58740 1,23279.50% 0.05% 99.50%

$992,556 896NATIONWIDE CORP GRP14041 895212.29% 0.04% 99.54%$976,893 2,055UNITED TRANSPORTATION UNION INS ASSN5641342 2,05568.23% 0.04% 99.58%$886,289 1,773UNITED STATES LETTER CARRIERS MUT BE5645643 1,77316.21% 0.04% 99.62%$850,486 6,901KEMPER CORP GRP21544 6,90129.88% 0.03% 99.65%$841,347 686ZURICH INS GRP21245 685(22.53)% 0.03% 99.69%$829,949 6,886UNIFIED LIFE INS CO1112146 6,88627.39% 0.03% 99.72%$733,587 16,296APOLLO GLOBAL MGMT GRP473447 16,29639.59% 0.03% 99.75%$729,385 1,555HORACE MANN GRP30048 1,55516.29% 0.03% 99.78%$717,637 3,298BERKSHIRE HATHAWAY GRP3149 3,19317.60% 0.03% 99.81%$658,058 0MICHIGAN FARM BUREAU GRP6750 1,14264.39% 0.03% 99.83%$583,748 524CIGNA HLTH GRP90151 524269.96% 0.02% 99.85%$512,423 1,128INDIANA FARM BUREAU GRP54252 1,094106.26% 0.02% 99.87%$408,972 246FINANCIAL HOLDINGS GRP44953 2460.00% 0.02% 99.89%$398,100 96EMC NATL LIFE CO6292854 9638.19% 0.02% 100.00%$288,356 619EMPLOYES MUT BENEFIT ASSN5604955 61941.62% 0.01% 100.00%$274,567 390AMFIRST HOLDINGS GRP471956 39023.23% 0.01% 100.00%$245,558 347ASSURANT INC GRP1957 343(0.85)% 0.01% 100.00%$240,663 309FIDELITY SECURITY GRP45158 30922.64% 0.01% 100.00%$131,395 0CUNA MUT GRP30659 0(223.64)% 0.01% 100.00%$118,538 2,341WILTON RE GRP421360 2,17154.60% 0.00% 100.00%$118,212 208AEGIS GRP31361 2081.91% 0.00% 100.00%$114,122 169WARRIOR INVICTUS HOLDING CO GRP472762 16924.00% 0.00% 100.00%$77,486 1,623POLICE & FIREMENS INS ASSN5800963 1,623(40.20)% 0.00% 100.00%$76,079 138KANSAS CITY LIFE INS GRP58864 138(31.29)% 0.00% 100.00%$74,178 183TORCHMARK CORP GRP29065 18329.01% 0.00% 100.00%$72,344 201MODERN WOODMEN OF AMER5754166 201531.26% 0.00% 100.00%$58,061 118PHYSICIANS MUT GRP36767 11872.67% 0.00% 100.00%$55,574 124AMERICAN FIDELITY CORP GRP33068 124127.80% 0.00% 100.00%

© 2019 National Association of Insurance Commissioners 98

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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

$48,461 103UNION LABOR GRP78169 103124.08% 0.00% 100.00%$46,854 100COLUMBIAN LIFE GRP53570 100162.46% 0.00% 100.00%$46,538 43SECURITY MUT LIFE INS CO OF NY6877271 43(71.49)% 0.00% 100.00%$41,583 42SURETY LIFE INS CO6931072 42134.98% 0.00% 100.00%$27,136 212INDEPENDENT ORDER OF FORESTERS US BR5806873 21279.54% 0.00% 100.00%$20,639 60GGC GRP473674 60193.56% 0.00% 100.00%$19,384 73AMERICAN FAMILY INS GRP47375 73(39.89)% 0.00% 100.00%$15,498 22UNITED SECURITY ASSUR CO OF PA4212976 2250.34% 0.00% 100.00%$14,896 24UNITEDHEALTH GRP70777 2451.31% 0.00% 100.00%$13,190 20PAN AMER LIFE GRP52578 20(137.36)% 0.00% 100.00%$12,970 54NEW ERA LIFE GRP52079 5271.10% 0.00% 100.00%$10,847 47INDUSTRIAL ALLIANCE GRP31580 4767.32% 0.00% 100.00%

$9,634 28STATE MUT INS CO6913281 27(39.26)% 0.00% 100.00%$9,436 2,379SLOVENE NATL BENEFIT SOCIETY5767382 2,379(38.11)% 0.00% 100.00%$9,235 0CENTRAL STATES GRP69083 0204.87% 0.00% 100.00%$8,566 0COLONIAL SAVINGS GRP87884 02.11% 0.00% 100.00%$8,186 33FEDERAL LIFE INS CO6322385 33(34.96)% 0.00% 100.00%$8,113 22SURETY LIFE & CAS INS CO6932986 2268.42% 0.00% 100.00%$6,052 51STANDARD LIFE & CAS INS CO7170687 510.00% 0.00% 100.00%$4,572 30GLEANER LIFE INS SOCIETY5615488 30119.49% 0.00% 100.00%$3,619 9KNIGHTS OF COLUMBUS5803389 9(22.19)% 0.00% 100.00%$3,226 7BALTIMORE LIFE INS CO6121290 7(12.96)% 0.00% 100.00%$2,872 9VOYA FINANCIAL GRP483291 9260.48% 0.00% 100.00%$2,695 8ADVANTAGE CAPITAL GRP482492 862.75% 0.00% 100.00%$1,532 0CITIZENS SECURITY LIFE INS CO6192193 0(134.40)% 0.00% 100.00%$1,394 16AMERCO CORP GRP57494 160.43% 0.00% 100.00%$1,309 35CITIZENS GRP61295 35(72.50)% 0.00% 100.00%$1,217 4BCBS OF KS GRP43096 4147.90% 0.00% 100.00%$1,122 2ASSURED LIFE ASSN5649997 2(48.66)% 0.00% 100.00%

$551 1TIPTREE FIN GRP471898 10.00% 0.00% 100.00%$549 1LIBERTY MUT GRP11199 1(11.48)% 0.00% 100.00%$548 3BCBS OF SC GRP661100 3(30.66)% 0.00% 100.00%$367 0ENTERPRISE INVESTMENTS GRP4922101 0(28.88)% 0.00% 100.00%$315 2GPM LIFE GRP4712102 20.00% 0.00% 100.00%

© 2019 National Association of Insurance Commissioners 99

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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

$249 1FORESTERS LIFE INS ANN CO63495103 11,844.18% 0.00% 100.00%$88 10CLOISTER MUT & WINDSOR MOUNT JOY GRP4774104 100.00% 0.00% 100.00%

$2,518,786,061 3,979,318Grand Total 3,548,99142.58% 100.00%

© 2019 National Association of Insurance Commissioners 100

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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

$1,141,854,329 787,612NORTHWESTERN MUT GRP8601 787,61247.44% 23.24% 23.24%$881,191,869 582,274UNUM GRP5652 582,274127.04% 17.93% 41.17%$662,135,543 293,763GUARDIAN LIFE GRP4293 293,76376.06% 13.47% 54.64%$510,131,712 238,402MASS MUT LIFE INS GRP4354 265,15465.66% 10.38% 65.03%$408,476,496 159,633PRINCIPAL FIN GRP3325 159,63355.95% 8.31% 73.34%$346,841,072 157,552METROPOLITAN GRP2416 157,55262.69% 7.06% 80.40%$226,186,843 85,883MEIJI YASUDA LIFE INS GRP13487 102,05859.96% 4.60% 85.00%$141,481,090 107,965AMERIPRISE FIN GRP48 107,96521.97% 2.88% 87.88%$124,801,942 68,546AMERITAS MUT HOLDING GRP9439 68,54659.94% 2.54% 90.42%

$40,682,089 63,438THRIVENT FINANCIAL FOR LUTHERANS GRP293810 63,22038.21% 0.83% 91.25%$38,084,155 28,654NEW YORK LIFE GRP82611 28,654140.47% 0.78% 92.02%$36,768,342 17,699OHIO NATL LIFE GRP70412 17,69972.95% 0.75% 92.77%$34,173,453 23,306AXA INS GRP96813 23,306246.99% 0.70% 93.46%$28,361,671 41,536ILLINOIS MUT LIFE INS CO6458014 41,53663.86% 0.58% 94.04%$27,003,423 25,373MUTUAL OF OMAHA GRP26115 25,351106.30% 0.55% 94.59%$24,948,713 19,128PROTECTIVE LIFE INS GRP45816 19,12855.53% 0.51% 95.10%$21,826,963 16,666FEDERATED MUT GRP717 16,66612.64% 0.44% 95.54%$21,567,963 11,090MINNESOTA MUT GRP86918 13,962185.93% 0.44% 95.98%$20,608,834 24,241ASSURITY GRP486219 24,16742.66% 0.42% 96.40%$19,242,241 11,224STATE FARM GRP17620 11,22461.25% 0.39% 96.79%$17,851,878 12,732JACKSON NATL GRP91821 12,727253.86% 0.36% 97.16%$15,619,659 13,339ZURICH INS GRP21222 13,33991.73% 0.32% 97.47%$12,585,834 14,302LINCOLN NATL GRP2023 14,302302.98% 0.26% 97.73%$10,171,685 8,940BRIGHTHOUSE HOLDINGS GRP493224 8,94082.56% 0.21% 97.94%

$9,856,242 10,070COUNTRY INS & FIN SERV GRP5025 10,07038.51% 0.20% 98.14%$9,462,982 9,316REGAL REINS GRP44026 9,316381.02% 0.19% 98.33%$9,192,924 168PAN AMER LIFE GRP52527 3,958122.74% 0.19% 98.52%$8,690,037 5,145JOHN HANCOCK GRP90428 5,145160.29% 0.18% 98.69%$7,009,009 25,497CVS GRP129 25,42445.59% 0.14% 98.84%$6,751,395 4,524TRUSTMARK MUT HOLDING CO GRP27630 4,52428.93% 0.14% 98.97%$4,568,983 3,197CIGNA HLTH GRP90131 3,1889.03% 0.09% 99.07%$3,660,754 3,545AUTO OWNERS GRP28032 3,54512.17% 0.07% 99.14%$3,610,388 3,769IOWA FARM BUREAU GRP51333 3,7693.57% 0.07% 99.22%$3,269,315 2,831AMERICAN NATL FIN GRP40834 2,82484.54% 0.07% 99.28%

© 2019 National Association of Insurance Commissioners 101

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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

$3,151,807 761FIDELITY SECURITY GRP45135 76124.47% 0.06% 99.35%$2,813,956 5,064KNIGHTS OF COLUMBUS5803336 5,06430.25% 0.06% 99.40%$2,798,384 4,520CNO FINANCIAL GRP23337 4,51864.26% 0.06% 99.46%$2,788,746 2,679UNITED SERV AUTOMOBILE ASSN GRP20038 2,679(51.15)% 0.06% 99.52%$2,725,921 0GREAT WEST GRP76939 0307.86% 0.06% 99.57%$2,617,291 5,442SOUTHERN FARM BUREAU LIFE INS CO6889640 5,44230.41% 0.05% 99.63%$2,410,699 2,091CINCINNATI FIN GRP24441 2,091(27.11)% 0.05% 99.68%$2,239,750 3,324APOLLO GLOBAL MGMT GRP473442 3,32382.57% 0.05% 99.72%$1,841,564 4,733CONTINENTAL GEN INS CO7140443 4,19393.20% 0.04% 99.76%$1,112,484 1,457ONEAMERICA FIN PARTNERS GRP61944 1,45733.74% 0.02% 99.78%

$989,274 1,438SECURITY MUT LIFE INS CO OF NY6877245 1,438108.98% 0.02% 99.80%$943,980 2,065PRUDENTIAL OF AMER GRP30446 2,06511.91% 0.02% 99.82%$856,489 0HOPMEADOW HOLDINGS GRP492647 02.57% 0.02% 99.84%$707,826 792WILTON RE GRP421348 792(29.13)% 0.01% 99.85%$635,054 541ALLSTATE INS GRP849 54315.59% 0.01% 99.86%$611,387 1,600NATIONAL GUARDIAN LIFE INS GRP121150 1,60052.36% 0.01% 99.88%$422,397 323NATIONWIDE CORP GRP14051 328217.07% 0.01% 99.89%$404,912 1,085AEGON US HOLDING GRP46852 1,085259.94% 0.01% 99.89%$366,679 532SUMITOMO LIFE INS GRP485553 53232.43% 0.01% 100.00%$346,707 316SWISS RE GRP18154 316131.85% 0.01% 100.00%$329,424 944WOODMEN WORLD LIFE INS SOC5732055 944(34.16)% 0.01% 100.00%$294,542 400AMERICAN ENTERPRISE MUT GRP352756 400121.78% 0.01% 100.00%$293,483 0HARTFORD FIRE & CAS GRP9157 024.92% 0.01% 100.00%$273,399 392PEKIN INS GRP15358 39264.55% 0.01% 100.00%$267,334 19TOKIO MARINE HOLDINGS INC GRP309859 19106.44% 0.01% 100.00%$243,965 223GLOBAL ATLANTIC GRP389160 223919.57% 0.00% 100.00%$225,492 441UNIFIED LIFE INS CO1112161 440163.70% 0.00% 100.00%$219,314 392VOYA FINANCIAL GRP483262 392(173.04)% 0.00% 100.00%$216,267 429NEW ERA LIFE GRP52063 42821.92% 0.00% 100.00%$184,408 350WEST SOUTHERN GRP83664 350(192.98)% 0.00% 100.00%$160,866 252HORACE MANN GRP30065 25226.23% 0.00% 100.00%$138,192 177UNITEDHEALTH GRP70766 177(17.95)% 0.00% 100.00%$135,466 359KANSAS CITY LIFE INS GRP58867 359(10.64)% 0.00% 100.00%$130,607 412ERIE INS GRP21368 412170.83% 0.00% 100.00%

© 2019 National Association of Insurance Commissioners 102

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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

$128,263 332NATIONAL MUT BENEFIT5607369 33274.69% 0.00% 100.00%$122,647 84GENEVE HOLDINGS INC GRP45070 8437.54% 0.00% 100.00%$100,946 345PRIMERICA GRP475071 345(193.05)% 0.00% 100.00%

$99,623 136MULTINATIONAL GRP480472 13659.05% 0.00% 100.00%$92,958 309ASSURANT INC GRP1973 30977.94% 0.00% 100.00%$84,509 306FEDERAL LIFE INS CO6322374 30624.65% 0.00% 100.00%$82,672 818FIDELITY LIFE ASSN A LEGAL RESERVE L6329075 08.13% 0.00% 100.00%$77,418 176GENWORTH FIN GRP401176 1761.84% 0.00% 100.00%$77,212 171SHELTER INS GRP12377 171(1,363.87)% 0.00% 100.00%$65,610 222AMERICAN INTL GRP1278 2221,753.90% 0.00% 100.00%$64,705 77LIBERTY MUT GRP11179 77(32.43)% 0.00% 100.00%$56,676 219CATHOLIC FINANCIAL LIFE5603080 21985.93% 0.00% 100.00%$46,709 37GPM LIFE GRP471281 376.04% 0.00% 100.00%$37,860 151GGC GRP473682 151155.31% 0.00% 100.00%$27,858 41WELLCARE GRP119983 41294.83% 0.00% 100.00%$23,048 34SAGICOR LIFE INS CO6044584 34(16.99)% 0.00% 100.00%$16,952 37GUARANTEE TRUST GRP68785 37(11.44)% 0.00% 100.00%$15,400 54AMERCO CORP GRP57486 5470.51% 0.00% 100.00%$13,688 30MISSOURI FARM BUREAU GRP51487 30131.02% 0.00% 100.00%$13,194 24GENERAL ELECTRIC GRP35088 2448.95% 0.00% 100.00%$13,183 34SONS OF NORWAY5714289 34787.06% 0.00% 100.00%$12,589 32EMC NATL LIFE CO6292890 3285.91% 0.00% 100.00%$10,945 16ECG GRP482691 16602.91% 0.00% 100.00%$10,191 0COOPERATIVA DE SEGUROS DE VIDA7971592 01,310.77% 0.00% 100.00%

$8,109 48MAXIMUM CORP GRP52693 4780.15% 0.00% 100.00%$7,725 27AMERICAN FINANCIAL GRP8494 1310.82% 0.00% 100.00%$7,565 9SAMMONS ENTERPRISES GRP43195 9(2,691.67)% 0.00% 100.00%$7,432 6RESERVOIR CAPITAL GRP476496 6(28.94)% 0.00% 100.00%$5,428 18PHYSICIANS MUT GRP36797 18(612.34)% 0.00% 100.00%$4,884 40FINANCIAL HOLDINGS GRP44998 40243.73% 0.00% 100.00%$4,840 23INVESTORS HERITAGE LIFE INS CO6490499 2398.14% 0.00% 100.00%$4,435 67BCBS OF MI GRP572100 67131.50% 0.00% 100.00%$3,306 37TORCHMARK CORP GRP290101 37151.48% 0.00% 100.00%$2,985 6CENTRAL STATES GRP690102 6(80.20)% 0.00% 100.00%

© 2019 National Association of Insurance Commissioners 103

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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

$2,838 15OHIO MUT GRP963103 150.00% 0.00% 100.00%$2,831 34BANNER LIFE GRP872104 2872.62% 0.00% 100.00%$2,404 10SENTRY INS GRP169105 10467.64% 0.00% 100.00%$1,987 14ANTHEM INC GRP671106 2154.66% 0.00% 100.00%$1,871 6ADVANTAGE CAPITAL GRP4824107 677.12% 0.00% 100.00%$1,655 7HOMESHIELD CAPITAL GRP2858108 7(58.97)% 0.00% 100.00%$1,628 6ENTERPRISE INVESTMENTS GRP4922109 63,644.04% 0.00% 100.00%$1,540 8CNA INS GRP218110 8740.97% 0.00% 100.00%$1,145 4GLEANER LIFE INS SOCIETY56154111 41,339.21% 0.00% 100.00%

$839 0UNIVERSAL GUAR LIFE INS CO70130112 03,213.23% 0.00% 100.00%$755 6BENEFICIAL LIFE GRP615113 6605.83% 0.00% 100.00%$458 19INDEPENDENT ORDER OF FORESTERS US BR58068114 194,118.56% 0.00% 100.00%

$85 1SOBC HOLDING LTD GRP4883115 1(35.29)% 0.00% 100.00%$29 0UNITED HERITAGE MUT GRP2878116 0(17,431.03)% 0.00% 100.00%$11 0COLUMBIAN LIFE GRP535117 0(371,027.27)% 0.00% 100.00%

$4,913,939,535 2,929,021Grand Total 2,976,81375.17% 100.00%

© 2019 National Association of Insurance Commissioners 104

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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

$2,457,302,298 1,037,132GENWORTH FIN GRP40111 938,856158.02% 23.68% 23.68%$1,336,320,216 629,925JOHN HANCOCK GRP9042 629,925144.93% 12.88% 36.56%

$707,825,757 253,684NORTHWESTERN MUT GRP8603 253,68495.66% 6.82% 43.38%$476,371,848 250,791AEGON US HOLDING GRP4684 248,036173.37% 4.59% 47.97%$430,942,920 197,552METROPOLITAN GRP2415 81185.46% 4.15% 52.12%$418,115,892 190,116MUTUAL OF OMAHA GRP2616 190,11597.44% 4.03% 56.15%$410,601,761 224,194CNO FINANCIAL GRP2337 187,210221.69% 3.96% 60.11%$335,060,637 27,737PRESBYTERIAN HLTHCARE SERV GRP4818 27,73781.00% 3.23% 63.34%$293,223,374 147,301CNA INS GRP2189 147,301134.91% 2.83% 66.16%$289,273,874 141,722NEW YORK LIFE GRP82610 141,722121.75% 2.79% 68.95%$281,738,152 141,800UNUM GRP56511 141,800354.84% 2.71% 71.66%$243,483,429 5,925MOLINA HEALTHCARE INC GRP153112 5,92588.35% 2.35% 74.01%$235,940,444 91,531MASS MUT LIFE INS GRP43513 73,874294.19% 2.27% 76.28%$235,559,172 122,073STATE FARM GRP17614 122,073149.34% 2.27% 78.55%$223,250,611 71,548BRIGHTHOUSE HOLDINGS GRP493215 71,548285.64% 2.15% 80.71%$206,517,528 123,016THRIVENT FINANCIAL FOR LUTHERANS GRP293816 109,36331.04% 1.99% 82.70%$205,765,142 72,956PRUDENTIAL OF AMER GRP30417 72,956801.91% 1.98% 84.68%$198,776,976 103,467AMERIPRISE FIN GRP418 103,467266.54% 1.92% 86.59%$181,260,127 116,184ALLIANZ INS GRP76119 95,075292.15% 1.75% 88.34%$116,345,137 75,876LIFETIME HLTHCARE GRP118620 75,876281.37% 1.12% 89.46%$114,055,015 63,781CONTINENTAL GEN INS CO7140421 64,386900.93% 1.10% 90.56%$94,131,362 48,958ASSURANT INC GRP1922 48,958279.31% 0.91% 91.47%$87,563,770 50,743SENIOR HLTH INS CO OF PA7632523 50,743682.30% 0.84% 92.31%$69,995,940 49,044KNIGHTS OF COLUMBUS5803324 49,044117.34% 0.67% 92.99%$64,300,576 27,362ADVANTAGE CAPITAL GRP482425 27,362155.21% 0.62% 93.61%$57,488,563 49,899RESOLUTION LIFE GRP481526 31,601336.36% 0.55% 94.16%$51,188,037 16,115GUARDIAN LIFE GRP42927 10,145186.02% 0.49% 94.65%$49,394,729 31,913BCBS OF MI GRP57228 31,91367.78% 0.48% 95.13%$48,763,768 24,630PHYSICIANS MUT GRP36729 24,602151.65% 0.47% 95.60%$48,361,519 0CUNA MUT GRP30630 0158.03% 0.47% 96.07%$37,487,615 21,925COUNTRY INS & FIN SERV GRP5031 19,796149.55% 0.36% 96.43%$29,849,010 13,910UNITED SECURITY ASSUR CO OF PA4212932 13,91090.50% 0.29% 96.71%$29,812,525 18,140GUARANTEE TRUST GRP68733 17,106111.75% 0.29% 97.00%$26,219,723 10,348JACKSON NATL GRP91834 10,348265.22% 0.25% 97.25%

© 2019 National Association of Insurance Commissioners 105

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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

$23,510,087 14,599SOUTHERN FARM BUREAU LIFE INS CO6889635 14,59995.52% 0.23% 97.48%$22,333,121 15,554GLOBAL ATLANTIC GRP389136 12,06969.04% 0.22% 97.70%$21,983,494 24,172AFLAC GRP37037 21,689230.82% 0.21% 97.91%$20,373,695 13,745AMERICAN FIDELITY CORP GRP33038 11,540109.10% 0.20% 98.10%$19,693,813 10,419ONEAMERICA FIN PARTNERS GRP61939 10,419320.52% 0.19% 98.29%$19,674,002 9,102TIAA FAMILY GRP121640 9,102148.76% 0.19% 98.48%$17,711,988 5,084AMERICAN INTL GRP1241 5,022225.11% 0.17% 98.65%$16,083,615 6,269AMERICAN FIDELITY & LIBERTY INC GRP128942 6,26992.54% 0.15% 98.81%

$9,843,313 5,070AUTO OWNERS GRP28043 5,070104.08% 0.09% 98.90%$9,468,440 4,019GGC GRP473644 3,459262.10% 0.09% 99.00%$7,214,029 4,595AMERICAN ENTERPRISE MUT GRP352745 4,565215.86% 0.07% 99.06%$6,096,704 3,848CVS GRP146 3,756179.20% 0.06% 99.12%$5,632,188 3,016ALLSTATE INS GRP847 3,012358.79% 0.05% 99.18%$5,445,342 3,964TORCHMARK CORP GRP29048 3,45497.81% 0.05% 99.23%$5,026,368 1,257ZURICH INS GRP21249 1,130369.36% 0.05% 99.28%$4,991,596 3,036BCBS OF MN GRP46150 3,036122.45% 0.05% 99.33%$4,663,217 2,800AMERICAN FAMILY INS GRP47351 2,800256.17% 0.04% 99.37%$4,130,295 454NATIONAL GUARDIAN LIFE INS GRP121152 45441.77% 0.04% 99.41%$3,966,702 2,038HIGHMARK GRP81253 1,952109.45% 0.04% 99.45%$3,885,969 2,587BCBS OF KS GRP43054 2,587192.08% 0.04% 99.49%$3,545,490 1,630ANTHEM INC GRP67155 1,630242.31% 0.03% 99.52%$3,376,814 1,186WELLCARE GRP119956 1,140223.26% 0.03% 99.55%$3,266,062 2,489PRINCIPAL FIN GRP33257 2,489394.07% 0.03% 99.59%$3,146,301 2,026PREMERA BLUE CROSS GRP96258 2,026275.47% 0.03% 99.62%$3,002,069 4,827KEMPER CORP GRP21559 4,7878.07% 0.03% 99.64%$2,979,010 1,427LINCOLN NATL GRP2060 1,427146.01% 0.03% 99.67%$2,659,953 1,593AMERICAN FINANCIAL GRP8461 1,575213.08% 0.03% 99.70%$2,508,152 1,732WOODMEN WORLD LIFE INS SOC5732062 1,732120.25% 0.02% 99.72%$2,468,904 1,043ASSURITY GRP486263 660114.02% 0.02% 99.75%$2,374,924 1,432INDEPENDENCE HLTH GRP INC GRP93664 1,43278.63% 0.02% 99.77%$2,291,138 1,132CINCINNATI FIN GRP24465 1,132170.31% 0.02% 99.79%$2,163,291 947PENN TREATY AMER GRP81066 947264.35% 0.02% 99.81%$2,128,237 1,467HCSC GRP91767 1,352710.34% 0.02% 99.83%$2,106,921 1,012MINNESOTA MUT GRP86968 624123.82% 0.02% 99.85%

© 2019 National Association of Insurance Commissioners 106

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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

$1,667,689 1,479KUVARE GRP492569 1,479114.38% 0.02% 99.87%$1,616,810 0NORIDIAN MUT INS CO5589170 00.00% 0.02% 99.89%$1,426,745 877AMERICAN NATL FIN GRP40871 814190.16% 0.01% 99.90%$1,416,373 839CATHOLIC ORDER OF FORESTERS5748772 839195.86% 0.01% 100.00%$1,236,794 0CHUBB LTD GRP62673 0247.84% 0.01% 100.00%$1,001,938 912CENTRAL STATES GRP69074 912285.53% 0.01% 100.00%

$996,365 634BCBS OF KC GRP53775 634175.02% 0.01% 100.00%$755,199 636CAMBIA HEALTH SOLUTIONS INC120776 636220.18% 0.01% 100.00%$699,672 294AMFIRST HOLDINGS GRP471977 280223.88% 0.01% 100.00%$552,397 345APOLLO GLOBAL MGMT GRP473478 345329.48% 0.01% 100.00%$524,051 500BCBS OF SC GRP66179 500156.80% 0.01% 100.00%$520,525 545GENEVE HOLDINGS INC GRP45080 545110.88% 0.01% 100.00%$512,596 192BCBS OF AL GRP57081 192163.60% 0.00% 100.00%$479,502 203AMERCO CORP GRP57482 203137.46% 0.00% 100.00%$452,309 4FINANCIAL HOLDINGS GRP44983 489.43% 0.00% 100.00%$442,839 431LOUISIANA HLTH SERV GRP43884 431199.03% 0.00% 100.00%$436,795 0ARKANSAS BCBS GRP87685 0179.53% 0.00% 100.00%$352,199 306NATIONAL INS CO OF WI INS3015586 306175.33% 0.00% 100.00%$249,319 153MANHATTAN LIFE GRP111787 151305.18% 0.00% 100.00%$215,226 1,621BCBS OF NE GRP485888 1,6214,483.62% 0.00% 100.00%$204,461 146UNION LABOR GRP78189 146216.24% 0.00% 100.00%$194,017 267UNIVERSAL FIDELITY LIFE INS CO7012290 267626.28% 0.00% 100.00%$170,853 122CIGNA HLTH GRP90191 122241.70% 0.00% 100.00%

$98,210 71STATE MUT INS CO6913292 71(92.62)% 0.00% 100.00%$87,852 92BALTIMORE LIFE INS CO6121293 92197.67% 0.00% 100.00%$65,898 44HEALTHMARKETS GRP26494 44416.21% 0.00% 100.00%$61,630 80VOYA FINANCIAL GRP483295 80(317.23)% 0.00% 100.00%$59,066 76PENN MUT GRP85096 631,808.51% 0.00% 100.00%$55,938 38KANSAS CITY LIFE INS GRP58897 38317.13% 0.00% 100.00%$40,649 61PRIMERICA GRP475098 61(58.06)% 0.00% 100.00%$30,508 20NEW ERA LIFE GRP52099 2098.72% 0.00% 100.00%$28,720 0CAREFIRST INC GRP380100 0(40.56)% 0.00% 100.00%$17,819 23PEKIN INS GRP153101 23(674.76)% 0.00% 100.00%$15,952 22WEST SOUTHERN GRP836102 22(3,969.53)% 0.00% 100.00%

© 2019 National Association of Insurance Commissioners 107

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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

$15,191 12TRUSTMARK MUT HOLDING CO GRP276103 12(76.85)% 0.00% 100.00%$13,615 12FRANKENMUTH GRP1309104 121,129.98% 0.00% 100.00%

$4,863 7WILTON RE GRP4213105 7(784.99)% 0.00% 100.00%$4,102 6SAGICOR LIFE INS CO60445106 6269.09% 0.00% 100.00%$3,702 1PROTECTIVE LIFE INS GRP458107 1207.32% 0.00% 100.00%$3,627 6BLUE SHIELD OF CA GRP2798108 60.00% 0.00% 100.00%$2,079 2ATLANTIC AMER GRP587109 2(0.10)% 0.00% 100.00%

$454 1ORDER OF UNITED COMMERCIAL TRAVELERS56383110 1(9,443.83)% 0.00% 100.00%$229 0CINCINNATI EQUITABLE CO GRP838111 00.00% 0.00% 100.00%

$10,377,207,714 4,622,129Grand Total 4,196,643189.90% 100.00%

© 2019 National Association of Insurance Commissioners 108

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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)

$4,506,898,948 1,799,379UNITEDHEALTH GRP7071 1,799,37979.44% 18.84% 18.84%$2,793,696,062 1,368,345MUTUAL OF OMAHA GRP2612 1,368,34478.28% 11.68% 30.53%$1,597,756,113 635,527HCSC GRP9173 635,07479.74% 6.68% 37.21%$1,409,277,808 666,183CVS GRP14 666,18380.50% 5.89% 43.10%$1,395,157,856 566,705ANTHEM INC GRP6715 566,70274.68% 5.83% 48.93%

$980,251,111 558,697CIGNA HLTH GRP9016 558,66984.70% 4.10% 53.03%$754,954,765 302,657CNO FINANCIAL GRP2337 301,58974.56% 3.16% 56.19%$509,976,034 254,280HUMANA GRP1198 254,28077.93% 2.13% 58.32%$477,627,679 196,407WELLMARK INC GRP7709 196,40781.06% 2.00% 60.32%$474,448,737 155,829BCBS OF MI GRP57210 154,87583.14% 1.98% 62.30%$448,437,035 204,641BCBS OF MA GRP363711 204,64195.15% 1.88% 64.18%$444,941,486 182,839GUIDEWELL MUT HOLDING GRP53612 182,83990.35% 1.86% 66.04%$382,057,437 161,424BCBS OF NC GRP75813 161,42175.03% 1.60% 67.63%$347,290,961 148,983UNITED SERV AUTOMOBILE ASSN GRP20014 148,98378.07% 1.45% 69.09%$324,077,490 153,356AMERICAN ENTERPRISE MUT GRP352715 154,24176.90% 1.36% 70.44%$292,090,463 160,012TORCHMARK CORP GRP29016 160,01270.49% 1.22% 71.66%$288,613,938 106,396STATE FARM GRP17617 106,38575.45% 1.21% 72.87%$283,159,208 125,951PHYSICIANS MUT GRP36718 125,79472.67% 1.18% 74.05%$268,354,655 127,174NEW ERA LIFE GRP52019 127,05683.57% 1.12% 75.18%$266,711,430 83,920BCBS OF NJ GRP120220 83,92083.39% 1.12% 76.29%$265,927,991 105,829HIGHMARK GRP81221 105,82981.77% 1.11% 77.40%$264,439,889 119,685ARKANSAS BCBS GRP87622 119,68580.50% 1.11% 78.51%$250,894,371 97,391BCBS OF KS GRP43023 97,39179.46% 1.05% 79.56%$228,276,402 118,932BCBS OF AL GRP57024 118,93289.34% 0.95% 80.51%$212,971,779 71,847BCBS OF MN GRP46125 71,84776.99% 0.89% 81.40%$207,251,745 118,941MANHATTAN LIFE GRP111726 115,16483.30% 0.87% 82.27%$198,276,748 111,808AEGON US HOLDING GRP46827 109,06382.03% 0.83% 83.10%$184,369,676 63,278CAREFIRST INC GRP38028 63,27771.78% 0.77% 83.87%$183,191,980 70,732CAMBIA HEALTH SOLUTIONS INC120729 70,73270.38% 0.77% 84.63%$165,742,988 70,250BCBS OF SC GRP66130 70,25070.23% 0.69% 85.33%$164,057,924 94,708ATLANTIC AMER GRP58731 94,70879.63% 0.69% 86.01%$144,839,878 63,233TENNESSEE RURAL HLTH GRP467732 63,23374.52% 0.61% 86.62%$139,416,422 54,767BCBS OF NE GRP485833 54,76778.29% 0.58% 87.20%$137,702,527 43,572WISCONSIN PHYSICIANS SERV INS GRP6834 43,57261.80% 0.58% 87.78%

© 2019 National Association of Insurance Commissioners 109

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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)

$132,469,651 54,818HARVARD PILGRIM HLTH CARE GRP59535 54,81876.62% 0.55% 88.33%$130,620,964 49,388BCBS OF TN GRP349836 49,38870.25% 0.55% 88.88%$117,094,203 30,410BERKSHIRE HATHAWAY GRP3137 30,54578.70% 0.49% 89.37%$110,252,601 43,435LOUISIANA HLTH SERV GRP43838 43,43580.22% 0.46% 89.83%$108,387,866 57,732MEDICAL MUT OF OH GRP73039 57,73278.50% 0.45% 90.28%$107,186,027 61,130THRIVENT FINANCIAL FOR LUTHERANS GRP293840 61,13079.51% 0.45% 90.73%$103,438,492 41,164BCBS OF AZ INC5358941 41,16470.58% 0.43% 91.16%

$97,226,497 39,047CENTENE CORP GRP129542 39,04778.99% 0.41% 91.57%$95,147,657 37,949NORIDIAN MUT INS CO5589143 37,94982.86% 0.40% 91.97%$88,942,282 26,353WEST SOUTHERN GRP83644 26,35374.27% 0.37% 92.34%$84,208,391 42,176INDIVIDUAL ASSUR CO LIFE HLTH & ACC8177945 42,17689.09% 0.35% 92.69%$74,520,882 21,050AMERCO CORP GRP57446 21,05080.57% 0.31% 93.00%$73,297,853 28,851PREMERA BLUE CROSS GRP96247 28,85168.89% 0.31% 93.31%$65,910,475 0CHUBB LTD GRP62648 081.63% 0.28% 93.58%$63,438,258 21,022BCBS OF KC GRP53749 21,02271.18% 0.27% 93.85%$63,321,088 34,317AMERICAN NATL FIN GRP40850 34,31676.98% 0.26% 94.11%$62,348,702 14,862GGC GRP473651 14,78767.19% 0.26% 94.38%$60,844,677 39,759CAPITAL BLUE CROSS GRP123052 39,75178.27% 0.25% 94.63%$60,341,701 17,512CONTINENTAL GEN INS CO7140453 17,51875.37% 0.25% 94.88%$56,880,510 26,694ENTERPRISE INVESTMENTS GRP492254 26,69471.97% 0.24% 95.12%$55,752,249 21,541COUNTRY INS & FIN SERV GRP5055 21,54176.47% 0.23% 95.35%$52,140,644 30,822INDEPENDENCE HLTH GRP INC GRP93656 30,66380.56% 0.22% 95.57%$47,957,347 18,053GLOBAL ATLANTIC GRP389157 18,05377.51% 0.20% 95.77%$43,721,991 14,121GENWORTH FIN GRP401158 14,12175.70% 0.18% 95.95%$42,879,008 18,688KEMPER CORP GRP21559 18,80480.72% 0.18% 96.13%$42,282,557 17,718BCBS OF RI5347360 17,71884.84% 0.18% 96.31%$42,044,006 18,148ADVANTAGE CAPITAL GRP482461 18,14881.23% 0.18% 96.49%$41,782,291 19,179EVERENCE GRP461662 17,48870.04% 0.17% 96.66%$38,833,396 9,518ORDER OF UNITED COMMERCIAL TRAVELERS5638363 9,51869.83% 0.16% 96.82%$37,347,890 12,615ASSURED LIFE ASSN5649964 12,61569.19% 0.16% 96.98%$37,101,523 1,633DEAN HLTH GRP129465 1,633101.98% 0.16% 97.13%$35,301,026 11,699AFLAC GRP37066 11,69975.60% 0.15% 97.28%$33,842,565 15,664SPECTRUM HLTH GRP338367 15,66473.56% 0.14% 97.42%$33,293,782 13,686PEKIN INS GRP15368 13,68669.99% 0.14% 97.56%

© 2019 National Association of Insurance Commissioners 110

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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)

$33,045,766 11,364MISSISSIPPI INS GRP112669 11,36489.14% 0.14% 97.70%$25,929,729 18,453RESERVOIR CAPITAL GRP476470 18,45370.41% 0.11% 97.81%$23,923,203 14,049GUARANTEE TRUST GRP68771 13,90776.13% 0.10% 97.91%$23,578,086 6,082AMERICAN FAMILY INS GRP47372 6,08261.97% 0.10% 98.01%$23,304,007 10,807BCBS OF VT GRP474573 10,80783.81% 0.10% 98.11%$22,945,579 15,239MEDICAL ASSOCIATES GRP481174 15,23993.19% 0.10% 98.20%$21,543,782 4,942ROYAL NEIGHBORS OF AMER5765775 4,94263.19% 0.09% 98.29%$21,531,817 9,510BCBS OF WY5376776 9,51080.39% 0.09% 98.38%$20,511,317 0TRIPLE S GRP480277 073.00% 0.09% 98.47%$19,449,942 10,535AVERA HLTH PLANS INC9583978 10,53575.33% 0.08% 98.55%$19,357,102 7,376BLUE CROSS OF ID GRP129079 7,37680.82% 0.08% 98.63%$19,004,225 9,345TUFTS GRP474280 9,34590.09% 0.08% 98.71%$18,869,363 16,131ECG GRP482681 16,13185.65% 0.08% 98.79%$18,842,466 6,065LIFETIME HLTHCARE GRP118682 6,06583.40% 0.08% 98.87%$18,381,293 8,523HEALTH PLAN GRP129783 8,52379.69% 0.08% 98.94%$17,895,567 754LIFEWORKS ADVANTAGE LLC1595984 75484.98% 0.07% 99.02%$17,191,547 15,308FINANCIAL HOLDINGS GRP44985 15,30884.14% 0.07% 99.09%$14,958,697 4,630HEARTLAND NATL LIFE INS CO6621486 4,63071.65% 0.06% 99.15%$14,513,166 4,393STATE MUT INS CO6913287 4,39369.17% 0.06% 99.21%$13,692,460 7,774GCU5669388 7,77491.01% 0.06% 99.27%$12,235,814 5,662UNIVERSITY HLTH CARE & GUNDERSEN LUT487089 5,66278.80% 0.05% 99.32%$11,160,049 8,157LIBERTY LIFE GRP TRUST GRP343690 8,15785.06% 0.05% 99.37%$9,106,459 4,202SECURITY HLTH PLAN OF WI INC9688191 4,20280.37% 0.04% 99.41%$8,526,154 2,772FALLON GRP474192 2,77285.58% 0.04% 99.44%$8,423,020 2,267WELLCARE GRP119993 2,26770.45% 0.04% 99.48%$7,971,681 3,615FIRST COMM HLTH PLAN INC4705194 3,61563.41% 0.03% 99.51%$7,877,674 2,199CENTRAL STATES GRP69095 2,19973.59% 0.03% 99.54%$7,055,776 2,649UNIVERSAL FIDELITY LIFE INS CO7012296 2,64970.40% 0.03% 99.57%$6,587,331 1,776NATIONWIDE CORP GRP14097 1,72760.03% 0.03% 99.60%$6,080,395 1,445HEALTH NOW NY INC5520498 1,44597.75% 0.03% 99.63%$5,828,868 2,742UNIFIED LIFE INS CO1112199 2,74286.53% 0.02% 99.65%$5,512,081 1,736CARLE HOLDING CO GRP1192100 1,46970.49% 0.02% 99.67%$5,471,936 1,246CDPHP INC GRP4708101 1,24692.00% 0.02% 99.70%$5,470,220 1,591EMBLEM HLTH GRP1127102 1,59179.05% 0.02% 99.72%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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)

$4,959,299 2,588CATHOLIC HLTH INITIATIVES GRP4807103 2,58890.21% 0.02% 99.74%$4,575,169 1,840HENRY FORD HLTH SYSTEM GRP1311104 1,84081.72% 0.02% 99.76%$4,472,503 1,776WEA GRP4939105 1,77683.14% 0.02% 99.78%$4,089,117 6,565EQUITABLE FAMILY INS CO GRP4888106 6,56567.95% 0.02% 99.80%$3,832,704 993AMERICAN FINANCIAL GRP84107 99376.99% 0.02% 99.81%$3,787,108 1,411GROUP HLTH COOP OF S CENTRAL WI95311108 1,41189.43% 0.02% 99.83%$3,577,467 1,133GEISINGER INS GRP1143109 1,13372.71% 0.01% 99.84%$3,457,123 1,482WESTERN CATHOLIC UNION57711110 1,48291.94% 0.01% 99.86%$3,269,575 1,441EDUCATORS MUT GRP126111 79267.97% 0.01% 99.87%$3,130,415 2,066LOYAL CHRISTIAN BENEFIT ASSN56758112 2,06679.09% 0.01% 99.88%$2,957,785 2,256RENAISSANCE HLTH SERV CORP GRP477113 2,25672.34% 0.01% 99.90%$2,912,812 1,092VANGUARD HLTH VENTURES GRP1212114 1,09277.75% 0.01% 100.00%$2,412,253 556LINCOLN HERITAGE LIFE INS CO65927115 55667.20% 0.01% 100.00%$1,484,883 551KAISER FOUNDATION GRP601116 55181.31% 0.01% 100.00%$1,464,754 500COMMUNITYCARE GRP3487117 500114.37% 0.01% 100.00%$1,398,182 0BAYSTATE HLTH GRP4756118 089.86% 0.01% 100.00%$1,380,452 693STANDARD LIFE & CAS INS CO71706119 69384.95% 0.01% 100.00%$1,337,136 1,245MEDICA GRP1552120 1,245100.07% 0.01% 100.00%$1,264,536 674AULTMAN HLTH FOUNDATION GRP4805121 62465.83% 0.01% 100.00%

$940,190 837MASS MUT LIFE INS GRP435122 83791.30% 0.00% 100.00%$873,251 476NEW YORK LIFE GRP826123 475139.88% 0.00% 100.00%$866,638 274WILTON RE GRP4213124 27339.04% 0.00% 100.00%$723,389 3,215SWISS RE GRP181125 3,21549.97% 0.00% 100.00%

$23,916,166,284 10,338,464Grand Total 10,327,88079.07% 100.00%

© 2019 National Association of Insurance Commissioners 112

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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

$939,685,954 3,830,420MCNA GRP47301 3,830,42083.62% 30.38% 30.38%$176,210,718 558,106AFLAC GRP3702 330,86845.57% 5.70% 36.08%$174,875,497 696,196HUMANA GRP1193 532,79849.34% 5.65% 41.74%$166,459,889 470,074RENAISSANCE HLTH SERV CORP GRP4774 346,01875.20% 5.38% 47.12%$150,901,825 394,804CIGNA HLTH GRP9015 259,17158.98% 4.88% 52.00%

$83,606,061 238,359UNITEDHEALTH GRP7076 163,14149.90% 2.70% 54.70%$78,304,440 188,197ANTHEM INC GRP6717 137,61349.88% 2.53% 57.23%$73,514,789 125,765AMERITAS MUT HOLDING GRP9438 125,76560.33% 2.38% 59.61%$71,374,989 178,483HCSC GRP9179 113,61856.06% 2.31% 61.92%$52,589,084 215,656DENTEGRA GRP247910 169,06153.37% 1.70% 63.62%$52,305,925 160,446HEALTHMARKETS GRP26411 111,22144.26% 1.69% 65.31%$52,248,857 158,331GUIDEWELL MUT HOLDING GRP53612 107,69159.74% 1.69% 67.00%$52,169,463 146,641DELTA DENTAL OF WA4734113 74,43780.32% 1.69% 68.68%$50,137,328 117,000PHYSICIANS MUT GRP36714 98,37854.29% 1.62% 70.31%$44,528,633 0CITIZENS SECURITY LIFE INS CO6192115 058.44% 1.44% 71.75%$41,092,193 127,396BCBS OF AL GRP57016 90,51370.00% 1.33% 73.07%$37,903,555 92,707CORVESTA GRP472917 64,53067.61% 1.23% 74.30%$37,514,487 101,330MANHATTAN LIFE GRP111718 97,40856.27% 1.21% 75.51%$35,306,549 98,630UNUM GRP56519 76,48748.94% 1.14% 76.65%$33,338,178 50,139AMERICAN ENTERPRISE MUT GRP352720 50,13959.59% 1.08% 77.73%$33,104,558 62,142BCBS OF NC GRP75821 46,03666.84% 1.07% 78.80%$32,770,302 155,405GUARDIAN LIFE GRP42922 101,26754.50% 1.06% 79.86%$31,065,037 77,572DELTA DENTAL OF MN5503423 50,04677.86% 1.00% 80.87%$28,629,157 61,493BCBS OF KS GRP43024 53,63471.12% 0.93% 81.79%$28,325,666 59,504COLORADO DENTAL SERV INC5587525 59,50467.28% 0.92% 82.71%$26,676,839 41,086CAREFIRST INC GRP38026 29,82673.95% 0.86% 83.57%$26,272,343 44,616NORTHEAST DELTA DENTAL GRP476327 29,99769.66% 0.85% 84.42%$25,452,503 54,749DELTA DENTAL OF WI GRP384928 76,51660.62% 0.82% 85.24%$25,112,495 927BCBS OF MI GRP57229 58286.54% 0.81% 86.06%$21,295,434 45,035OREGON DENTAL GRP131330 32,90976.62% 0.69% 86.74%$20,407,680 87,546DENTAQUEST GRP451231 17,87070.53% 0.66% 87.40%$20,152,728 51,682ARKANSAS BCBS GRP87632 51,68269.07% 0.65% 88.06%$19,334,138 40,829CAPITAL BLUE CROSS GRP123033 30,26980.12% 0.63% 88.68%$18,951,690 54,663BEST LIFE & HLTH INS CO9063834 41,32159.07% 0.61% 89.29%

© 2019 National Association of Insurance Commissioners 113

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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

$17,734,507 42,030DELTA DENTAL OF OK5393735 26,83686.76% 0.57% 89.87%$15,130,877 45,905DELTA DENTAL PLAN OF IL GRP11536 30,93054.90% 0.49% 90.36%$15,054,309 31,008DELTA DENTAL OF KS GRP463837 19,18275.77% 0.49% 90.84%$14,756,593 33,552BCBS OF RI5347338 27,13769.99% 0.48% 91.32%$14,100,165 46,128DELTA DENTAL PLAN OF AZ GRP365839 20,36262.80% 0.46% 91.78%$13,945,660 24,480BLUE SHIELD OF CA GRP279840 18,37535.83% 0.45% 92.23%$12,767,793 32,010DELTA DENTAL PLAN OF MO GRP368041 21,44367.39% 0.41% 92.64%$12,359,805 34,320DELTA DENTAL PLAN OF AR INC4715542 24,39073.68% 0.40% 93.04%$11,575,003 13,628L S S GRP474443 13,62860.16% 0.37% 93.41%$11,067,946 22,069DELTA DENTAL PLAN OF ID INC4779144 14,69278.26% 0.36% 93.77%$10,962,494 35,079BCBS OF TN GRP349845 25,71869.68% 0.35% 94.13%$10,445,472 36,745DENTAL CARE PLUS INC9626546 25,49950.04% 0.34% 94.46%

$9,970,801 38,786EDUCATORS MUT GRP12647 16,24068.32% 0.32% 94.79%$9,763,786 0HAWAII MEDICAL SERV ASSN4994848 071.00% 0.32% 95.10%$9,583,385 0CHUBB LTD GRP62649 052.24% 0.31% 95.41%$9,372,814 29,873USHEALTH GRP INC GRP83950 17,22349.79% 0.30% 95.71%$8,159,799 37,992HEALTHPLEX GRP8551 15,42668.39% 0.26% 95.98%$7,643,805 2,791FIDELITY SECURITY GRP45152 2,79171.68% 0.25% 96.23%$7,513,151 14,611KEMPER CORP GRP21553 11,03962.06% 0.24% 96.47%$7,446,099 15,487DELTA DENTAL OF RI GRP157154 1,55067.88% 0.24% 96.71%$6,279,742 16,416BCBS OF KC GRP53755 13,43670.01% 0.20% 96.91%$5,835,600 11,714DELTA DENTAL PLAN OF SD5409756 7,19983.69% 0.19% 97.10%$5,576,243 12,562AEGON US HOLDING GRP46857 10,69962.23% 0.18% 97.28%$5,266,551 9,551BLUE CROSS OF ID GRP129058 6,34765.94% 0.17% 97.45%$4,714,321 20,678DENTAL HLTH SERV4749059 15,49948.15% 0.15% 97.60%$4,704,069 17,366MEDICAL MUT OF OH GRP73060 10,13861.60% 0.15% 97.76%$4,697,441 8,617CAMBIA HEALTH SOLUTIONS INC120761 5,74973.02% 0.15% 97.91%$4,206,062 0INDEPENDENCE HLTH GRP INC GRP93662 051.33% 0.14% 98.04%$4,150,638 15,109LOUISIANA HLTH SERV GRP43863 11,60463.83% 0.13% 98.18%$4,113,477 3,609F&R HOLDINGS GRP482264 3,60954.54% 0.13% 98.31%$3,570,141 16,697BCBS OF SC GRP66165 9,46453.69% 0.12% 98.43%$3,569,005 0KAISER FOUNDATION GRP60166 090.05% 0.12% 98.54%$3,314,557 19,054ASSURANT INC GRP1967 18,32645.39% 0.11% 98.65%$3,184,430 13,811MUTUAL OF OMAHA GRP26168 13,69640.41% 0.10% 98.75%

© 2019 National Association of Insurance Commissioners 114

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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

$2,768,508 2,778CENTENNIAL CAS CO3456869 2,7780.00% 0.09% 98.84%$2,603,733 11,581WELLMARK INC GRP77070 7,91194.11% 0.08% 98.93%$2,577,120 6,716DELTA DENTAL PLAN OF WY1520071 4,03288.05% 0.08% 99.01%$2,529,999 5,578PREMERA BLUE CROSS GRP96272 4,19653.87% 0.08% 99.09%$2,351,475 841NATIONAL GUARDIAN LIFE INS GRP121173 84158.69% 0.08% 99.17%$2,191,969 1,442NATIONAL PREVENTIVE SOLUTIONS CORP1613574 1,44259.94% 0.07% 99.24%$2,162,518 11,985PRINCIPAL FIN GRP33275 7,56552.45% 0.07% 99.31%$2,015,967 10,725NEW ERA LIFE GRP52076 5,77531.40% 0.07% 99.37%$1,937,279 5,863BCBS OF AZ INC5358977 4,01294.28% 0.06% 99.44%$1,780,260 2,895KUVARE GRP492578 2,89570.36% 0.06% 99.49%$1,623,071 0TRIPLE S GRP480279 061.91% 0.05% 99.55%$1,520,674 4,421DENTCARE DELIVERY SYSTEMS INC4711280 3,58967.60% 0.05% 99.60%$1,246,617 2,206HEALTH NOW NY INC5520481 1,576108.35% 0.04% 99.64%$1,196,781 0HIGHMARK GRP81282 048.63% 0.04% 99.67%$1,138,721 4,277AMERICAN FIDELITY CORP GRP33083 2,57058.75% 0.04% 99.71%$1,078,983 3,516NATIONAL GEN GRP492884 2,43933.35% 0.03% 99.75%$1,055,776 5,817BCBS OF NJ GRP120285 5,817180.91% 0.03% 99.78%$1,052,476 1,388PREFERRED INS GRP481986 1,38845.44% 0.03% 99.81%

$826,052 3,949GENEVE HOLDINGS INC GRP45087 2,61532.83% 0.03% 99.84%$626,990 1,913CVS GRP188 1,66933.66% 0.02% 99.86%$620,363 2,577LIBERTY DENTAL PLAN GRP469289 2,57761.82% 0.02% 99.88%$561,031 3,701SOLSTICE GRP486690 3,15666.47% 0.02% 99.90%$491,728 1,550GGC GRP473691 1,36539.26% 0.02% 100.00%$450,733 797CROY HALL MGMT GRP133992 61757.93% 0.01% 100.00%$421,293 672ENTERPRISE INVESTMENTS GRP492293 67283.49% 0.01% 100.00%$386,211 1,113CONTINENTAL GEN INS CO7140494 49164.59% 0.01% 100.00%$234,022 867SOUTHLAND NATL HOLDING GRP482795 85755.94% 0.01% 100.00%$219,507 1,024GUARANTEE TRUST GRP68796 1,0244.36% 0.01% 100.00%$204,019 148SPECTRUM HLTH GRP338397 14870.59% 0.01% 100.00%$181,929 620ARKANSAS SUPERIOR SELECT INC1513598 62038.28% 0.01% 100.00%$142,847 708NEVADA DENTAL BENEFITS LTD1381399 70878.00% 0.00% 100.00%$134,129 249WELLCARE GRP1199100 21225.06% 0.00% 100.00%$129,584 119UNIFIED LIFE INS CO11121101 11960.51% 0.00% 100.00%

$58,634 283GOLDEN DENTAL PLANS INC11113102 15856.02% 0.00% 100.00%

© 2019 National Association of Insurance Commissioners 115

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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

$28,599 79WARRIOR INVICTUS HOLDING CO GRP4727103 6040.92% 0.00% 100.00%$23,472 0VOLUNTARY EMPLOYEES BENEFIT ASSN OF12867104 091.91% 0.00% 100.00%$13,358 38NEXDENT DENTAL PLANS INC15094105 2481.73% 0.00% 100.00%

$118 1EMBLEM HLTH GRP1127106 10.00% 0.00% 100.00%

$3,092,742,071 9,590,048Grand Total 7,934,88667.43% 100.00%

© 2019 National Association of Insurance Commissioners 116

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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

$558,780,511 296,085ANTHEM INC GRP6711 296,08580.80% 18.80% 18.80%$539,550,823 255,983UNITEDHEALTH GRP7072 255,98387.54% 18.15% 36.94%$251,635,031 139,517CENTENE CORP GRP12953 139,51781.78% 8.46% 45.41%$243,771,807 136,361WELLCARE GRP11994 136,36182.94% 8.20% 53.61%$159,729,551 92,167CVS GRP15 83,70879.47% 5.37% 58.98%$147,612,922 61,864TEXAS CHILDRENS HLTH PLAN INC953296 61,86488.84% 4.97% 63.95%$115,660,988 70,974MOLINA HEALTHCARE INC GRP15317 70,97477.50% 3.89% 67.84%$94,404,920 37,723UPMC HLTH SYSTEM GRP13248 37,72376.22% 3.18% 71.01%$91,068,589 48,943COLORADO ACCESS GRP47819 48,94389.31% 3.06% 74.08%$88,286,162 31,072LIFETIME HLTHCARE GRP118610 31,07274.83% 2.97% 77.05%$74,053,224 24,808HIGHMARK GRP81211 24,80870.11% 2.49% 79.54%$73,643,606 30,727HARRIS HLTH GRP489212 30,72783.77% 2.48% 82.01%$66,341,241 21,790INDEPENDENCE HLTH GRP INC GRP93613 21,79076.12% 2.23% 84.25%$57,235,373 20,546MVP GRP119814 20,54686.04% 1.93% 86.17%$50,330,708 26,112PARKLAND COMM HLTH PLAN INC9541415 299.40% 1.69% 87.86%$45,527,861 16,538CAPITAL BLUE CROSS GRP123016 16,53880.27% 1.53% 89.40%$41,123,808 15,311GEISINGER INS GRP114317 15,31184.19% 1.38% 90.78%$39,778,948 65,782EMBLEM HLTH GRP112718 65,78284.61% 1.34% 92.12%$37,087,910 13,172CDPHP INC GRP470819 13,17275.77% 1.25% 93.36%$28,454,983 17,704COMMUNITY FIRST GRP273820 17,70487.18% 0.96% 94.32%$22,399,165 10,852HEALTH PARTNERS PLANS INC9506621 10,85267.80% 0.75% 95.07%$21,081,360 10,642IHC INC GRP88022 10,64296.48% 0.71% 95.78%$20,952,941 2,032VANGUARD HLTH VENTURES GRP121223 2,032264.72% 0.70% 96.49%$15,248,867 8,092ASCENSION HLTH GRP485924 065.67% 0.51% 97.00%$14,476,320 9,541EL PASO FIRST HLTH PLANS INC5263525 9,54188.38% 0.49% 97.49%$12,551,248 5,718INDEPENDENT HLTH ASSN GRP489426 3,47779.59% 0.42% 97.91%$11,745,497 10,136COMMUNITY HLTH PLAN OF WA4704927 10,13684.93% 0.40% 98.31%$9,840,137 3,512BCBS OF WY5376728 3,51283.74% 0.33% 98.64%$9,784,083 5,301DENVER HLTH MEDICAL PLAN INC9575029 5,30185.52% 0.33% 98.97%$8,055,938 5,116FIRSTCARE GRP354930 5,11692.68% 0.27% 99.24%$7,117,351 2,364NORIDIAN MUT INS CO5589131 2,36475.38% 0.24% 99.48%$6,831,378 3,196HEALTH NOW NY INC5520432 3,19672.57% 0.23% 99.71%$4,506,700 3,507KAISER FOUNDATION GRP60133 3,503231.11% 0.15% 99.86%$4,055,761 2,024FRIDAY HLTH PLANS OF CO INC9577434 2,02457.75% 0.14% 100.00%

© 2019 National Association of Insurance Commissioners 117

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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

$99,003 228PROVIDENCE HLTH GRP478835 22854.81% 0.00% 100.00%$53,528 0CHRISTUS HLTH PLAN1415436 020.95% 0.00% 100.00%$27,239 32HENRY FORD HLTH SYSTEM GRP131137 3262.89% 0.00% 100.00%

$1 0BCBS OF MI GRP57238 0(6,950,700.00) 0.00% 100.00%

$2,972,905,483 1,505,472Grand Total 1,460,56684.11% 100.00%

© 2019 National Association of Insurance Commissioners 118

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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

$47,559,917,214 4,100,611UNITEDHEALTH GRP7071 4,100,59881.70% 26.34% 26.34%$35,977,379,290 3,276,713HUMANA GRP1192 3,276,71382.44% 19.93% 46.27%$20,050,890,739 1,766,629CVS GRP13 1,766,62983.27% 11.11% 57.38%$10,678,781,709 784,805ANTHEM INC GRP6714 784,80579.91% 5.92% 63.30%

$5,773,989,719 483,218WELLCARE GRP11995 483,21879.51% 3.20% 66.49%$4,902,890,244 354,561CIGNA HLTH GRP9016 354,56182.87% 2.72% 69.21%$2,974,168,761 223,484HIGHMARK GRP8127 223,48481.97% 1.65% 70.86%$2,620,435,424 157,716HEALTHFIRST INC GRP47788 157,71684.96% 1.45% 72.31%$2,124,175,685 182,197UPMC HLTH SYSTEM GRP13249 182,19787.07% 1.18% 73.49%$1,970,083,665 172,034KAISER FOUNDATION GRP60110 164,759103.96% 1.09% 74.58%$1,902,186,832 206,565MEDICAL CARD SYSTEM INC GRP130111 206,56582.47% 1.05% 75.63%$1,688,764,190 174,096CENTENE CORP GRP129512 174,09687.48% 0.94% 76.57%$1,610,957,956 140,511BCBS OF MI GRP57213 140,51184.08% 0.89% 77.46%$1,481,407,713 136,815BCBS OF TN GRP349814 136,81581.26% 0.82% 78.28%$1,428,924,631 108,291INDEPENDENCE HLTH GRP INC GRP93615 108,29288.56% 0.79% 79.07%$1,411,124,364 85,434MOLINA HEALTHCARE INC GRP153116 85,43477.72% 0.78% 79.85%$1,349,709,945 136,615GUIDEWELL MUT HOLDING GRP53617 136,61589.99% 0.75% 80.60%$1,334,777,234 244,859BCBS OF MN GRP46118 244,85979.10% 0.74% 81.34%$1,306,486,174 111,429HCSC GRP91719 111,42997.20% 0.72% 82.06%$1,244,825,185 130,070SPECTRUM HLTH GRP338320 130,07087.66% 0.69% 82.75%$1,219,176,467 90,336BCBS OF NJ GRP120221 90,33690.02% 0.68% 83.43%$1,180,659,691 105,609EMBLEM HLTH GRP112722 105,60989.66% 0.65% 84.08%$1,132,525,320 108,605TRIPLE S GRP480223 108,60581.21% 0.63% 84.71%$1,128,549,809 95,814GEISINGER INS GRP114324 95,81486.62% 0.63% 85.33%$1,114,905,558 88,419TUFTS GRP474225 88,41988.40% 0.62% 85.95%$1,091,428,189 122,259LIFETIME HLTHCARE GRP118626 122,25992.83% 0.60% 86.56%

$959,880,730 86,465CAMBIA HEALTH SOLUTIONS INC120727 86,46581.58% 0.53% 87.09%$893,711,071 67,044BLUE SHIELD OF CA GRP279828 67,04486.77% 0.50% 87.58%$870,041,357 82,869UCARE GRP438029 82,86994.13% 0.48% 88.07%$856,377,593 69,478INDEPENDENT HLTH ASSN GRP489430 69,47388.98% 0.47% 88.54%$814,335,213 72,042BCBS OF NC GRP75831 72,04278.64% 0.45% 88.99%$812,959,144 150,803MEDICA GRP155232 150,79479.37% 0.45% 89.44%$747,526,082 52,473HEALTH NOW NY INC5520433 52,47384.20% 0.41% 89.85%$743,609,902 64,632ESSENCE HLTHCARE INC1169934 64,63276.62% 0.41% 90.27%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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

$663,646,602 68,216BCBS OF AL GRP57035 68,21686.56% 0.37% 90.63%$644,644,321 58,055PROVIDENCE HLTH GRP478836 55,72988.24% 0.36% 90.99%$629,012,118 48,235VIVA HLTH INC9532237 48,23585.72% 0.35% 91.34%$591,864,656 49,351CHE TRINITY INC GRP283838 49,35180.16% 0.33% 91.67%$585,291,795 65,764NETWORK HLTH GRP267839 65,76491.30% 0.32% 91.99%$560,018,242 48,917BCBS OF RI5347340 48,91783.33% 0.31% 92.30%$552,034,876 0MEDISUN INC9598241 086.15% 0.31% 92.61%$519,604,556 50,717SECURITY HLTH PLAN OF WI INC9688142 50,71792.90% 0.29% 92.90%$505,413,880 53,406BCBS OF MA GRP363743 53,40689.49% 0.28% 93.18%$481,911,107 63,148HEALTHPARTNERS GRP125844 63,13695.65% 0.27% 93.44%$476,073,825 36,819HENRY FORD HLTH SYSTEM GRP131145 36,81997.55% 0.26% 93.71%$471,592,874 36,450HAWAII MEDICAL SERV ASSN4994846 36,45077.84% 0.26% 93.97%$417,073,602 45,025PRESBYTERIAN HLTHCARE SERV GRP48147 45,02588.86% 0.23% 94.20%$408,191,724 38,059HEALTH FIRST GRP474048 38,05982.73% 0.23% 94.42%$381,924,062 35,136MVP GRP119849 35,13687.53% 0.21% 94.64%$377,620,631 33,906KS PLAN ADMINISTRATORS LLC1282750 33,90691.51% 0.21% 94.85%$362,474,638 28,236AVMED INC9526351 28,23693.71% 0.20% 95.05%$357,448,414 32,425CLOVER HLTH GRP491852 32,42594.66% 0.20% 95.24%$346,775,693 22,197CARESOURCE GRP368353 22,19793.19% 0.19% 95.44%$328,076,846 30,183MEDICAL MUT OF OH GRP73054 30,18395.02% 0.18% 95.62%$320,246,119 27,145CAPITAL BLUE CROSS GRP123055 27,14588.53% 0.18% 95.80%$318,272,974 41,338IHC INC GRP88056 41,33893.16% 0.18% 95.97%$317,798,049 28,864CDPHP INC GRP470857 28,86489.59% 0.18% 96.15%$300,590,004 20,315HEALTH PARTNERS PLANS INC9506658 20,31590.69% 0.17% 96.31%$296,809,374 29,403CARLE HOLDING CO GRP119259 29,40386.40% 0.16% 96.48%$296,059,751 26,923BLUE CROSS OF ID GRP129060 26,92386.53% 0.16% 96.64%$293,975,404 28,628PACIFICSOURCE HLTH PLAN GRP470461 28,62885.36% 0.16% 96.81%$282,505,506 23,915COMMUNITYCARE GRP348762 23,91589.70% 0.16% 96.96%$258,923,853 23,293SUMMA HLTH GRP325963 23,29386.18% 0.14% 97.11%$234,603,902 18,710VANTAGE HLTH PLAN INC9558464 18,71083.10% 0.13% 97.24%$221,614,220 25,821CATHOLIC HLTH INITIATIVES GRP480765 25,82189.35% 0.12% 97.36%$208,633,113 32,850SCOTT & WHITE GRP60066 32,85087.11% 0.12% 97.47%$201,357,623 16,561HEALTH PLAN GRP129767 16,56191.58% 0.11% 97.59%$200,295,513 19,937ATRIO HLTH PLANS INC1012368 19,93783.55% 0.11% 97.70%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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

$189,882,001 18,493OREGON DENTAL GRP131369 18,49393.18% 0.11% 97.80%$187,796,545 13,280HEALTH PLAN OF CAREOREGON INC1227770 13,28087.56% 0.10% 97.91%$183,522,398 10,041ELDERPLAN INC9566271 10,04196.49% 0.10% 98.01%$180,497,528 17,459ARKANSAS BCBS GRP87672 17,45981.08% 0.10% 98.11%$178,820,999 14,401VANGUARD HLTH VENTURES GRP121273 14,40189.85% 0.10% 98.21%$164,763,996 13,185FALLON GRP474174 13,18593.72% 0.09% 98.30%$158,328,009 18,986PREMERA BLUE CROSS GRP96275 18,98689.40% 0.09% 98.39%$157,166,621 16,801UNIVERSITY HLTH CARE & GUNDERSEN LUT487076 16,80192.99% 0.09% 98.47%$157,139,689 14,113INDIANA UNIVERSITY HLTH GRP463777 14,11388.78% 0.09% 98.56%$155,177,958 10,621UMMS HLTH PLAN GRP485478 10,621102.74% 0.09% 98.65%$146,222,567 13,029GLOBALHEALTH INC1366779 13,02984.53% 0.08% 98.73%$144,789,996 13,769AULTMAN HLTH FOUNDATION GRP480580 13,76972.63% 0.08% 98.81%$136,962,659 24,301DEAN HLTH GRP129481 24,30184.70% 0.08% 98.88%$128,810,693 14,664CARE N CARE INS CO OF NC1568582 14,66490.99% 0.07% 98.95%$118,127,760 13,431HARVARD PILGRIM HLTH CARE GRP59583 13,43199.71% 0.07% 99.02%$108,989,525 10,870CARE N CARE INS CO INC1315184 10,87083.65% 0.06% 99.08%

$98,787,082 0APOLLO GLOBAL MGMT GRP473485 0101.50% 0.05% 99.13%$95,428,951 12,158LOUISIANA HLTH SERV GRP43886 12,158103.60% 0.05% 99.19%$93,260,269 8,652COMMUNITY HLTH PLAN OF WA4704987 8,65286.70% 0.05% 99.24%$89,365,490 8,974BAYSTATE HLTH GRP475688 8,96895.96% 0.05% 99.29%$85,251,672 8,724BCBS OF KC GRP53789 8,72491.44% 0.05% 99.34%$77,967,610 7,359FIRSTCAROLINACARE INS CO INC1296290 7,35989.87% 0.04% 99.38%$73,789,529 5,168MEDSTAR FAMILY CHOICE1422791 5,16884.41% 0.04% 99.42%$62,202,713 0ULTIMATE HLTH PLANS INC1424392 6,75989.90% 0.03% 99.45%$59,924,136 7,231UNIVERSAL HLTH SERV INC GRP495493 7,23198.26% 0.03% 99.49%$59,734,722 43,030GPM LIFE GRP471294 43,03080.82% 0.03% 99.52%$57,860,012 5,792MEMORIAL HERMANN GRP480895 5,79293.76% 0.03% 99.55%$57,679,919 4,618DENVER HLTH MEDICAL PLAN INC9575096 4,61897.93% 0.03% 99.58%$56,684,601 5,042SAMARITAN HLTH PLANS INC1225797 5,04290.82% 0.03% 99.62%$56,020,744 1,174CARE WI HLTH PLAN INC1224898 1,17485.58% 0.03% 99.65%$47,260,826 1,771CATHOLIC SPECIAL NEEDS PLAN LLC1297699 1,77190.90% 0.03% 99.67%$41,443,814 2,334SIMPRA ADVANTAGE INC16103100 2,33486.10% 0.02% 99.70%$40,150,388 1,643UNICO PREMIER GRP4921101 1,64388.15% 0.02% 99.72%$37,634,908 2,483UNIVERSITY HLTH CARE INC52621102 2,48363.97% 0.02% 99.74%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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

$36,096,128 999COMMUNITY CARE HLTH PLAN INC10756103 99973.90% 0.02% 99.76%$36,023,879 3,087SENTARA HLTH MGMT GRP1183104 3,076105.62% 0.02% 99.78%$34,186,729 0FAMILY HLTH NETWORK GRP4843105 0191.91% 0.02% 99.80%$33,627,068 3,014ALLCARE HLTH PLAN INC12253106 3,01494.96% 0.02% 99.82%$27,986,045 1,169BOSTON MEDICAL CENTER HLTH PLAN INC13203107 1,16982.95% 0.02% 99.83%$27,797,202 2,290ARKANSAS SUPERIOR SELECT INC15135108 2,29088.06% 0.02% 99.85%$26,848,904 0ALOHA CARE95853109 094.28% 0.01% 99.86%$26,319,874 3,255COMMUNITYCARE GOVERNMENT PROGRAMS IN15732110 3,25591.87% 0.01% 99.88%$23,900,129 3,209BCBS OF SC GRP661111 3,20988.75% 0.01% 99.89%$20,906,219 1,022PROVIDER PARTNERS HLTH GRP4842112 1,02279.96% 0.01% 100.00%$20,398,500 0FAMILYCARE HLTH PLANS INC47084113 096.23% 0.01% 100.00%$16,835,975 2,260BRIGHT HLTH GRP4887114 2,26086.27% 0.01% 100.00%$15,784,620 664GOOD SAMARITAN INS PLAN GRP4895115 66493.85% 0.01% 100.00%$15,443,238 695LIBERTY ADVANTAGE LLC16170116 69586.16% 0.01% 100.00%$14,555,334 7,800TORCHMARK CORP GRP290117 7,80087.58% 0.01% 100.00%$13,790,785 0CHRISTUS HLTH PLAN14154118 0105.95% 0.01% 100.00%$10,568,109 1,138BCBS OF NE GRP4858119 1,13899.51% 0.01% 100.00%$10,410,031 506WEST VIRGINIA SENIOR ADVANTAGE INC15955120 50683.43% 0.01% 100.00%$9,530,212 439MARQUIS ADVANTAGE HLTH PLAN15937121 43982.32% 0.01% 100.00%$8,525,927 0MAGELLAN HLTH INC GRP1260122 00.00% 0.00% 100.00%$8,340,230 931GROUP ONE THOUSAND ONE GRP4794123 93181.21% 0.00% 100.00%$5,826,192 472SPARTAN PLAN HOLDINGS GRP4896124 472155.70% 0.00% 100.00%$5,434,387 251AMERICAN HLTH CO INC GRP4916125 25187.23% 0.00% 100.00%

$180,528,751,896 15,845,710Grand Total 15,842,81283.58% 100.00%

© 2019 National Association of Insurance Commissioners 122

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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

$31,881,661,702 5,330,895UNITEDHEALTH GRP7071 5,330,89585.04% 17.18% 17.18%$22,240,264,791 4,589,500ANTHEM INC GRP6712 4,589,50085.05% 11.99% 29.17%$19,377,974,099 4,253,855CENTENE CORP GRP12953 4,253,85587.66% 10.44% 39.61%$13,604,674,534 3,427,651WELLCARE GRP11994 3,427,65187.45% 7.33% 46.94%$12,773,497,872 2,706,401MOLINA HEALTHCARE INC GRP15315 2,706,40182.89% 6.88% 53.82%

$9,109,340,530 1,749,657INDEPENDENCE HLTH GRP INC GRP9366 1,749,65791.11% 4.91% 58.73%$7,974,594,719 1,325,569CARESOURCE GRP36837 1,325,56987.02% 4.30% 63.03%$5,999,760,315 994,598CVS GRP18 994,59882.24% 3.23% 66.26%$5,192,618,054 856,421BCBS OF NJ GRP12029 856,42187.77% 2.80% 69.06%$3,819,722,065 600,636HCSC GRP91710 600,63695.19% 2.06% 71.12%$3,179,682,149 518,075HUMANA GRP11911 518,07590.89% 1.71% 72.83%$2,953,355,211 462,584UPMC HLTH SYSTEM GRP132412 462,58494.61% 1.59% 74.43%$2,387,934,997 290,581UCARE GRP438013 290,58192.81% 1.29% 75.71%$2,335,557,424 504,492BCBS OF TN GRP349814 503,50084.91% 1.26% 76.97%$2,245,674,019 357,626BCBS OF MN GRP46115 357,62688.77% 1.21% 78.18%$1,974,242,900 503,523MCLAREN HLTH GRP470016 503,52393.11% 1.06% 79.25%$1,967,318,746 304,129BOSTON MEDICAL CENTER HLTH PLAN INC1320317 304,12995.38% 1.06% 80.31%$1,931,824,019 350,128HIGHMARK GRP81218 350,12887.31% 1.04% 81.35%$1,908,285,497 317,092UNIVERSITY HLTH CARE INC5262119 317,09295.49% 1.03% 82.37%$1,704,139,539 113,470MAGELLAN HLTH INC GRP126020 113,47058.67% 0.92% 83.29%$1,637,799,088 243,613HEALTH PARTNERS PLANS INC9506621 243,61377.29% 0.88% 84.18%$1,531,324,317 372,277TEXAS CHILDRENS HLTH PLAN INC9532922 372,27792.44% 0.83% 85.00%$1,460,156,807 426,267BLUE SHIELD OF CA GRP279823 426,26789.03% 0.79% 85.79%$1,314,350,834 235,568VANGUARD HLTH VENTURES GRP121224 235,56886.86% 0.71% 86.50%$1,276,190,547 170,106NEIGHBORHOOD HLTH PLAN OF RI INC9540225 170,10692.49% 0.69% 87.18%$1,229,606,082 200,722SENTARA HLTH MGMT GRP118326 200,50194.23% 0.66% 87.85%$1,212,712,601 193,598MVP GRP119827 193,59889.82% 0.65% 88.50%$1,135,210,952 274,761PRESBYTERIAN HLTHCARE SERV GRP48128 274,76183.64% 0.61% 89.11%$1,101,357,974 160,953HEALTHPARTNERS GRP125829 156,30492.57% 0.59% 89.71%$1,056,375,365 158,223EMBLEM HLTH GRP112730 158,22389.47% 0.57% 90.27%$1,041,232,797 176,123LIFETIME HLTHCARE GRP118631 176,12388.20% 0.56% 90.84%

$976,158,094 182,143GEISINGER INS GRP114332 182,14384.24% 0.53% 91.36%$943,494,234 51,250CIGNA HLTH GRP90133 51,25085.73% 0.51% 91.87%$892,612,739 15,626ELDERPLAN INC9566234 15,62682.65% 0.48% 92.35%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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

$886,232,436 247,866HARRIS HLTH GRP489235 247,86689.94% 0.48% 92.83%$783,368,073 0TRIPLE S GRP480236 085.16% 0.42% 93.25%$760,193,637 246,519COMMUNITY HLTH PLAN OF WA4704937 246,51987.14% 0.41% 93.66%$755,846,476 209,883BCBS OF MI GRP57238 209,88378.83% 0.41% 94.07%$740,611,063 160,283HAWAII MEDICAL SERV ASSN4994839 160,28392.74% 0.40% 94.47%$728,600,570 27,727MEDICA GRP155240 27,72787.94% 0.39% 94.86%$525,878,102 157,386PARKLAND COMM HLTH PLAN INC9541441 183.58% 0.28% 95.14%$506,748,794 98,847FALLON GRP474142 98,84796.39% 0.27% 95.42%$503,851,430 83,842CDPHP INC GRP470843 83,84288.24% 0.27% 95.69%$485,403,148 0COMMUNITY FIRST GRP273844 093.35% 0.26% 95.95%$482,584,122 91,307MEDSTAR FAMILY CHOICE1422745 91,30789.70% 0.26% 96.21%$417,157,843 89,481KAISER FOUNDATION GRP60146 89,436111.50% 0.22% 96.43%$391,778,858 120,992SPECTRUM HLTH GRP338347 120,99289.72% 0.21% 96.65%$386,793,530 62,164INDEPENDENT HLTH ASSN GRP489448 62,14191.94% 0.21% 96.85%$381,588,628 100,558BCBS OF SC GRP66149 100,55885.39% 0.21% 97.06%$361,528,816 33,856PARTNERS HEALTHCARE SYSTEM GRP493450 32,85389.25% 0.19% 97.25%$347,388,327 0ALOHA CARE9585351 087.45% 0.19% 97.44%$338,157,826 90,842IHC INC GRP88052 90,84287.51% 0.18% 97.62%$296,422,930 19,367SANFORD HLTH GRP124653 19,36794.25% 0.16% 97.78%$285,990,422 78,310HEALTH PLAN GRP129754 78,31096.21% 0.15% 97.94%$271,877,061 483,361COLORADO ACCESS GRP478155 483,36169.66% 0.15% 98.08%$269,497,493 38,037BAYSTATE HLTH GRP475656 38,43391.28% 0.15% 98.23%$265,684,156 47,631NEXTLEVEL HLTH PARTNERS INC1627757 47,63179.49% 0.14% 98.37%$264,962,999 81,745FIRSTCARE GRP354958 81,74596.12% 0.14% 98.52%$256,296,798 8,952CHILDRENS HLTH SYSTEM OF TX GRP482859 1110.76% 0.14% 98.65%$240,814,759 122,111CHILDRENS COMM HLTH PLAN INC1373960 122,11187.38% 0.13% 98.78%$219,263,764 33,549HEALTH NOW NY INC5520461 33,54992.41% 0.12% 98.90%$183,433,733 50,832TOTAL HLTH GRP123862 50,83292.39% 0.10% 99.00%$182,566,737 53,957PROVIDENCE HLTH GRP478863 55,41786.28% 0.10% 99.10%$181,717,846 64,334EL PASO FIRST HLTH PLANS INC5263564 64,33489.40% 0.10% 99.20%$169,460,985 39,464TRUSTED HLTH PLANS GRP489365 39,46469.44% 0.09% 99.29%$152,608,314 0APOLLO GLOBAL MGMT GRP473466 080.78% 0.08% 99.37%$138,045,240 45,081SCOTT & WHITE GRP60067 45,08183.04% 0.07% 99.44%$125,108,494 54,478SECURITY HLTH PLAN OF WI INC9688168 54,47878.41% 0.07% 99.51%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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

$120,420,883 5,320TUFTS GRP474269 5,32072.65% 0.06% 99.58%$119,612,966 49,625GROUP HLTH COOP OF EAU CLAIRE9519270 49,62583.87% 0.06% 99.64%$94,793,333 3,555CARE WI HLTH PLAN INC1224871 3,55585.77% 0.05% 99.69%$89,482,937 37,748NETWORK HLTH GRP267872 37,74887.98% 0.05% 99.74%$76,120,456 37,974UNIVERSITY HLTH CARE & GUNDERSEN LUT487073 37,97495.13% 0.04% 99.78%$70,089,865 36,367DEAN HLTH GRP129474 36,36787.58% 0.04% 99.82%$61,113,998 18,841HEALTH CHOICE UTAH INC1448175 18,84177.41% 0.03% 99.85%$58,716,479 1,193COMMUNITY CARE HLTH PLAN INC1075676 1,193100.95% 0.03% 99.88%$50,124,411 423BLUE CROSS OF ID GRP129077 42361.66% 0.03% 100.00%$48,621,893 191,947OREGON DENTAL GRP131378 191,94780.66% 0.03% 100.00%$46,637,676 22,904ASCENSION HLTH GRP485979 074.82% 0.03% 100.00%$28,624,518 11,479TRILOGY HLTH INS INC1283480 11,47985.03% 0.02% 100.00%$15,755,322 0SENDERO HLTH PLANS INC1415181 085.38% 0.01% 100.00%$11,093,860 5,320GROUP HLTH COOP OF S CENTRAL WI9531182 5,32086.51% 0.01% 100.00%$10,158,782 8,914FHC HLTH SYSTEMS GRP96583 8,91485.36% 0.01% 100.00%

$9,561,323 3,244HENRY FORD HLTH SYSTEM GRP131184 3,24475.12% 0.01% 100.00%$8,109,030 1,508CRYSTAL RUN HLTH GRP484785 1,508114.30% 0.00% 100.00%$7,418,696 807BCBS OF KC GRP53786 80784.54% 0.00% 100.00%$4,333,042 0CARLE HOLDING CO GRP119287 0(33.42)% 0.00% 100.00%$1,336,834 0CHRISTUS HLTH PLAN1415488 0120.88% 0.00% 100.00%

$185,563,678,016 36,139,040Grand Total 35,944,72386.94% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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

$4,990,440,573 7,092,071CVS GRP11 7,092,07178.45% 28.98% 28.98%$4,457,678,539 4,357,012UNITEDHEALTH GRP7072 4,357,01272.10% 25.88% 54.86%$3,555,785,987 4,988,427HUMANA GRP1193 4,988,42764.18% 20.65% 75.51%$1,426,978,185 1,483,466CIGNA HLTH GRP9014 1,483,46689.77% 8.29% 83.79%

$834,801,546 1,056,693WELLCARE GRP11995 1,056,69371.02% 4.85% 88.64%$379,983,398 0ENVISION INS CO127476 565,94692.86% 2.21% 90.85%$357,745,194 352,630HCSC GRP9177 352,63080.62% 2.08% 92.93%$353,493,195 262,622ANTHEM INC GRP6718 262,62278.21% 2.05% 94.98%

$92,484,227 87,928MAGELLAN HLTH INC GRP12609 87,92896.97% 0.54% 95.52%$82,691,739 124,573BCBS OF MN GRP46110 124,57371.24% 0.48% 96.00%$78,870,168 11,088GUIDEWELL MUT HOLDING GRP53611 11,08877.28% 0.46% 96.45%$68,583,886 78,386BCBS OF MA GRP363712 78,38691.70% 0.40% 96.85%$68,250,700 95,745WELLMARK INC GRP77013 95,74571.98% 0.40% 97.25%$61,639,354 44,944BCBS OF AL GRP57014 44,94479.64% 0.36% 97.61%$56,210,742 42,767BCBS OF NC GRP75815 42,76776.98% 0.33% 97.93%$50,911,775 33,850BCBS OF MI GRP57216 33,85083.13% 0.30% 98.23%$48,772,870 29,420HIGHMARK GRP81217 29,42073.65% 0.28% 98.51%$37,917,971 28,322BCBS OF NJ GRP120218 28,32291.24% 0.22% 98.73%$29,221,289 11,043ARKANSAS BCBS GRP87619 11,04387.92% 0.17% 98.90%$28,018,339 28,405BCBS OF NE GRP485820 28,40572.42% 0.16% 99.06%$26,933,541 19,571BCBS OF KS GRP43021 19,57176.10% 0.16% 99.22%$22,512,280 16,890WISCONSIN PHYSICIANS SERV INS GRP6822 16,89084.69% 0.13% 99.35%$22,316,958 20,921BCBS OF SC GRP66123 20,92189.07% 0.13% 99.48%$22,011,610 0PREMIER HLTH PARTNERS GRP481624 092.02% 0.13% 99.61%$14,423,447 9,343CAMBIA HEALTH SOLUTIONS INC120725 9,34374.80% 0.08% 99.69%$11,689,513 12,294NORIDIAN MUT INS CO5589126 12,29472.45% 0.07% 99.76%$10,484,125 15,859BCBS OF AZ INC5358927 15,859210.30% 0.06% 99.82%

$7,852,309 6,428TENNESSEE RURAL HLTH GRP467728 6,428118.94% 0.05% 99.87%$5,931,730 8,208BCBS OF RI5347329 8,20885.27% 0.03% 100.00%$5,692,382 3,735CAPITAL BLUE CROSS GRP123030 3,73597.10% 0.03% 100.00%$4,089,718 5,398BCBS OF WY5376731 5,39869.04% 0.02% 100.00%$4,040,458 1,775HEALTHPARTNERS GRP125832 1,77579.36% 0.02% 100.00%$1,597,325 730EDUCATORS MUT GRP12633 73092.12% 0.01% 100.00%$1,367,196 313CARLE HOLDING CO GRP119234 31371.42% 0.01% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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

$237,166 0EMBLEM HLTH GRP112735 036.96% 0.00% 100.00%$48,482 53VANGUARD HLTH VENTURES GRP121236 5392.91% 0.00% 100.00%

$1,951 10ASSURANT INC GRP1937 102,381.55% 0.00% 100.00%$1,540 0HEALTH NOW NY INC5520438 0331.95% 0.00% 100.00%

$17,221,663,344 20,447,965Grand Total 21,013,91175.05% 100.00%

© 2019 National Association of Insurance Commissioners 127

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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

$450,396,276 8,227FALLON GRP47411 8,22787.94% 30.94% 30.94%$377,532,864 33,743CENTENE CORP GRP12952 33,74391.65% 25.94% 56.88%$183,032,654 44,856ANTHEM INC GRP6713 38,40586.06% 12.57% 69.46%$107,919,136 0CHUBB LTD GRP6264 060.36% 7.41% 76.87%$102,802,917 132,025BCBS OF SC GRP6615 132,025108.86% 7.06% 83.93%

$48,592,884 353,803METROPOLITAN GRP2416 136,09128.90% 3.34% 87.27%$42,832,873 4,796CONTINENTAL GEN INS CO714047 4,796(66.10)% 2.94% 90.21%$38,776,483 154,939AFLAC GRP3708 76,88950.66% 2.66% 92.88%$29,278,963 44,611MANHATTAN LIFE GRP11179 31,72435.95% 2.01% 94.89%$28,911,432 0EVEREST REINS HOLDINGS GRP112010 087.04% 1.99% 96.88%$27,868,304 0TRANS OCEANIC LIFE INS CO6952311 318,79148.52% 1.91% 98.79%$27,100,485 53,528CVS GRP112 52,92834.18% 1.86% 100.00%$27,090,375 776,964ARCH INS GRP127913 277,09042.74% 1.86% 100.00%$23,516,668 430TOKIO MARINE HOLDINGS INC GRP309814 30848.59% 1.62% 100.00%$20,024,233 7,102PRINCIPAL FIN GRP33215 7,10217.02% 1.38% 100.00%$18,795,935 7,256NATIONAL LIFE GRP63416 11,006265.80% 1.29% 100.00%$17,873,511 0CITIZENS SECURITY LIFE INS CO6192117 050.81% 1.23% 100.00%$12,235,413 0MAGELLAN HLTH INC GRP126018 00.00% 0.84% 100.00%$10,046,248 19,437GUARANTEE TRUST GRP68719 19,42325.80% 0.69% 100.00%

$8,685,077 0HIGHMARK GRP81220 095.38% 0.60% 100.00%$8,273,893 90,953BCBS OF NC GRP75821 51,85363.71% 0.57% 100.00%$7,942,981 0INTACT FINANCIAL GRP490422 088.87% 0.55% 100.00%$7,497,291 6,199TORCHMARK CORP GRP29023 4,66462.14% 0.52% 100.00%$7,054,961 0AMERICAN INTL GRP1224 384127.58% 0.48% 100.00%$7,002,287 12,429ORDER OF UNITED COMMERCIAL TRAVELERS5638325 12,20867.55% 0.48% 100.00%$6,745,366 265,928ALLIANZ INS GRP76126 159,27259.48% 0.46% 100.00%$6,451,333 32,119UNUM GRP56527 32,11917.23% 0.44% 100.00%$5,739,154 1LIBERTY MUT GRP11128 1,84663.13% 0.39% 100.00%$5,729,232 590COMPREHENSIVE MOBILE GRP493329 59047.67% 0.39% 100.00%$5,706,064 42,970BLUE SHIELD OF CA GRP279830 32,28132.20% 0.39% 100.00%$5,653,225 13,575AAA LIFE GRP485331 13,57524.98% 0.39% 100.00%$2,511,736 0CHRISTUS HLTH PLAN1415432 00.00% 0.17% 100.00%$2,238,025 351BCBS OF MI GRP57233 22169.86% 0.15% 100.00%$1,563,026 0NATIONAL SECURITY GRP31634 6,73565.16% 0.11% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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

$1,193,317 0HUMANA GRP11935 0101.26% 0.08% 100.00%$1,131,682 1,690AMERICAN LABOR LIFE INS CO8942736 1,69028.00% 0.08% 100.00%$1,011,503 1,205CROY HALL MGMT GRP133937 69176.02% 0.07% 100.00%

$960,805 13,284DELTA DENTAL PLAN OF AR INC4715538 9,39548.43% 0.07% 100.00%$700,561 0GREAT WEST GRP76939 038.23% 0.05% 100.00%$655,586 822AMERICAN NATL FIN GRP40840 82234.17% 0.05% 100.00%$518,513 0UNDERWRITERS AT LLOYDS3272741 037.75% 0.04% 100.00%$367,725 6,631SPECTRUM HLTH GRP338342 6,63190.60% 0.03% 100.00%$313,796 19,555CAREFIRST INC GRP38043 13,422(85.16)% 0.02% 100.00%$300,821 896DELTA GRP59844 8961.21% 0.02% 100.00%$298,766 3,900UNITED STATES LETTER CARRIERS MUT BE5645645 2,665(41.75)% 0.02% 100.00%$268,570 172LIFETIME HLTHCARE GRP118646 17270.64% 0.02% 100.00%$199,313 0WELLCARE GRP119947 0208.25% 0.01% 100.00%$166,109 5,359AUTOMOBILE CLUB MI GRP5548 5,35959.16% 0.01% 100.00%$162,380 0BCBS OF AL GRP57049 00.00% 0.01% 100.00%$138,609 101UNION LABOR GRP78150 95298.89% 0.01% 100.00%$132,899 82TAKECARE INS CO INC1109351 1026.10% 0.01% 100.00%$118,816 0INDIVIDUAL ASSUR CO LIFE HLTH & ACC8177952 038.86% 0.01% 100.00%$89,572 4SUN LIFE ASSUR CO OF CN GRP54953 4(1,174.13)% 0.01% 100.00%$60,538 49GENWORTH FIN GRP401154 4950.60% 0.00% 100.00%$58,448 813EDUCATORS MUT GRP12655 34051.00% 0.00% 100.00%$56,914 35KEMPER CORP GRP21556 26322.94% 0.00% 100.00%$53,359 0AMERICAN INTEGRITY LIFE INS CO8882057 019.26% 0.00% 100.00%$48,369 120AMALGAMATED LIFE INS CO6021658 12027.14% 0.00% 100.00%$47,626 379AMERITAS MUT HOLDING GRP94359 379(38.88)% 0.00% 100.00%$46,466 771CAMBIA HEALTH SOLUTIONS INC120760 47172.24% 0.00% 100.00%$43,096 263AMEX ASSUR CO2792861 1772,032.19% 0.00% 100.00%$33,039 307NEW ERA LIFE GRP52062 3045.13% 0.00% 100.00%$31,885 2,689CROATIAN FRATERNAL UNION OF AMER5663463 3,31961.18% 0.00% 100.00%$29,491 0PAN AMER LIFE GRP52564 194228.05% 0.00% 100.00%$25,558 68WARRIOR INVICTUS HOLDING CO GRP472765 56(0.67)% 0.00% 100.00%$25,494 0CUNA MUT GRP30666 0(5.81)% 0.00% 100.00%$23,940 207JACKSON NATL GRP91867 2070.70% 0.00% 100.00%$20,885 7WILTON RE GRP421368 7(399.17)% 0.00% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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

$20,568 50CNO FINANCIAL GRP23369 49(280.99)% 0.00% 100.00%$19,483 34SELECTIVE INS GRP24270 34(128.27)% 0.00% 100.00%$14,819 288COLUMBIAN LIFE GRP53571 28819.61% 0.00% 100.00%$13,696 112UNIVERSAL FIDELITY LIFE INS CO7012272 112407.21% 0.00% 100.00%$13,088 0STEWARD HLTH CHOICE INC1508173 0(1,515.99)% 0.00% 100.00%$12,568 0UPMC HLTH SYSTEM GRP132474 0(175.51)% 0.00% 100.00%$12,428 16UNIFIED LIFE INS CO1112175 151,308.91% 0.00% 100.00%

$9,481 34INDUSTRIAL ALLIANCE GRP31576 34199.67% 0.00% 100.00%$7,465 0UNDERWRITERS AT LLOYDS LONDON1564277 0519.20% 0.00% 100.00%$7,353 136LINCOLN HERITAGE LIFE INS CO6592778 13680.54% 0.00% 100.00%$6,576 58PROTECTIVE LIFE INS GRP45879 58(28.16)% 0.00% 100.00%$6,120 0UKRAINIAN NATL ASSN INC5721580 0(7.81)% 0.00% 100.00%$5,521 58REGAL REINS GRP44081 5873.16% 0.00% 100.00%$4,530 28STANDARD LIFE & CAS INS CO7170682 25(9.47)% 0.00% 100.00%$4,006 10SAMMONS ENTERPRISES GRP43183 101,593.56% 0.00% 100.00%$3,976 7,156CATHOLIC ORDER OF FORESTERS5748784 7,1560.00% 0.00% 100.00%$3,634 0STATE AUTO MUT GRP17585 0(161.01)% 0.00% 100.00%$3,452 593SOUTHLAND NATL HOLDING GRP482786 593569.21% 0.00% 100.00%$2,939 16ASSURANT INC GRP1987 16(27.66)% 0.00% 100.00%$2,383 15ALLSTATE INS GRP888 15486.95% 0.00% 100.00%$2,242 6US ALLIANCE CORP GRP490089 60.00% 0.00% 100.00%$2,102 560CLOISTER MUT & WINDSOR MOUNT JOY GRP477490 560713.61% 0.00% 100.00%$1,962 8FORESTERS LIFE INS ANN CO6349591 8169.52% 0.00% 100.00%$1,726 18NATIONAL WESTERN LIFE INS CO6685092 18235.57% 0.00% 100.00%$1,473 0OPTIMUM GRP116793 072.44% 0.00% 100.00%$1,112 16SLOVENE NATL BENEFIT SOCIETY5767394 16(46.40)% 0.00% 100.00%

$718 0MOTORISTS MUT GRP29195 00.00% 0.00% 100.00%$637 0UNIVERSAL INS CO GRP7196 00.00% 0.00% 100.00%$316 30HORACE MANN GRP30097 30(0.63)% 0.00% 100.00%$271 3ARROWPOINT CAPITAL GRP55398 210.70% 0.00% 100.00%$255 0ROYAL STATE NATL INS CO LTD6855199 014,181.96% 0.00% 100.00%$255 1AMERICAN FINANCIAL GRP8499 10.00% 0.00% 100.00%

$88 1PRIMERICA GRP4750101 10.00% 0.00% 100.00%$86 66FINANCIAL HOLDINGS GRP449102 66(451.16)% 0.00% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Individual 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

$68 62AMERICAN ENTERPRISE MUT GRP3527103 60(232.35)% 0.00% 100.00%$64 3MERCHANTS MUT GRP226104 30.00% 0.00% 100.00%$46 0CATHOLIC HOLY FAMILY SOCIETY57770105 00.00% 0.00% 100.00%$26 6VOYA FINANCIAL GRP4832106 664,615.38% 0.00% 100.00%

$1,455,542,328 3,056,425Grand Total 2,401,97397.87% 100.00%

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Accident and Health Policy Experience Report

Group Business

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Market Share for the Top 125 Insurers

Group Business

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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

$66,082,902,775 22,347,554UNITEDHEALTH GRP7071 14,633,37380.72% 18.32% 18.32%$25,333,967,142 11,025,604ANTHEM INC GRP6712 5,807,06884.37% 7.03% 25.35%$22,426,825,303 5,353,964HCSC GRP9173 2,505,66783.03% 6.22% 31.57%$19,945,492,764 3,781,614CVS GRP14 1,999,08682.32% 5.53% 37.10%$14,768,067,145 26,433,093CIGNA HLTH GRP9015 475,45179.49% 4.10% 41.20%$14,297,127,454 2,439,832KAISER FOUNDATION GRP6016 1,464,76291.57% 3.96% 45.16%$12,310,704,276 5,831,261HUMANA GRP1197 3,497,72983.82% 3.41% 48.57%

$9,450,886,626 1,531,442BCBS OF MI GRP5728 817,81983.83% 2.62% 51.19%$8,048,929,552 10,091,515HIGHMARK GRP8129 5,331,65385.44% 2.23% 53.43%$7,373,247,573 1,303,949CAREFIRST INC GRP38010 688,76484.55% 2.04% 55.47%$7,213,622,866 29,617,524METROPOLITAN GRP24111 134,31481.74% 2.00% 57.47%$7,188,288,704 1,540,804GUIDEWELL MUT HOLDING GRP53612 895,10383.92% 1.99% 59.46%$6,500,176,620 1,832,883BCBS OF MA GRP363713 944,03484.14% 1.80% 61.27%$5,072,917,210 1,320,176BCBS OF NJ GRP120214 659,34585.47% 1.41% 62.67%$4,520,637,964 2,129,432EMBLEM HLTH GRP112715 1,081,91886.92% 1.25% 63.93%$4,016,503,112 1,526,223CAMBIA HEALTH SOLUTIONS INC120716 1,027,86080.65% 1.11% 65.04%$3,813,381,002 19,960,944UNUM GRP56517 670,18573.55% 1.06% 66.10%$3,611,877,727 1,095,134BCBS OF AL GRP57018 574,25588.55% 1.00% 67.10%$3,543,890,127 586,468INDEPENDENCE HLTH GRP INC GRP93619 332,91676.82% 0.98% 68.08%$3,280,494,472 677,012BCBS OF NC GRP75820 407,04981.48% 0.91% 68.99%$3,245,133,971 19,554,788GUARDIAN LIFE GRP42921 11,915,56262.27% 0.90% 69.89%$3,075,857,539 706,016LIFETIME HLTHCARE GRP118622 394,21087.29% 0.85% 70.75%$2,885,887,518 610,710PREMERA BLUE CROSS GRP96223 349,55983.88% 0.80% 71.55%$2,822,334,585 610,712WELLMARK INC GRP77024 320,13083.21% 0.78% 72.33%$2,817,962,091 1,384,745BCBS OF TN GRP349825 746,47280.45% 0.78% 73.11%$2,737,438,398 15,295,396LINCOLN NATL GRP2026 6,027,97178.55% 0.76% 73.87%$2,557,924,274 1,816,514BCBS OF SC GRP66127 1,108,91279.75% 0.71% 74.58%$2,497,810,825 1,049,993UPMC HLTH SYSTEM GRP132428 913,76388.38% 0.69% 75.27%$2,464,209,659 374,066HARVARD PILGRIM HLTH CARE GRP59529 204,73880.81% 0.68% 75.95%$2,431,884,179 575,026LOUISIANA HLTH SERV GRP43830 327,59781.27% 0.67% 76.63%$2,237,220,132 440,353HAWAII MEDICAL SERV ASSN4994831 256,90186.10% 0.62% 77.25%$2,140,660,584 400,807BCBS OF MN GRP46132 259,82088.53% 0.59% 77.84%$2,013,436,946 15,313,435HARTFORD FIRE & CAS GRP9133 124,70168.92% 0.56% 78.40%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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

$2,009,709,336 439,948MEDICAL MUT OF OH GRP73034 240,42181.38% 0.56% 78.96%$1,840,335,218 25,026,536VISION SERV PLAN GRP118935 43,24678.77% 0.51% 79.47%$1,816,485,398 356,207SPECTRUM HLTH GRP338336 165,03983.81% 0.50% 79.97%$1,766,800,643 824,271HEALTHPARTNERS GRP125837 402,69384.05% 0.49% 80.46%$1,686,307,697 288,674TUFTS GRP474238 180,23980.08% 0.47% 80.93%$1,624,271,815 459,477BCBS OF KC GRP53739 246,34483.13% 0.45% 81.38%$1,610,731,761 5,123,550DENTEGRA GRP247940 1,933,11673.68% 0.45% 81.83%$1,579,383,232 299,559HEALTH NOW NY INC5520441 156,46682.80% 0.44% 82.26%$1,511,724,697 216,162MVP GRP119842 129,57485.00% 0.42% 82.68%$1,498,929,137 312,871BCBS OF AZ INC5358943 158,61582.53% 0.42% 83.10%$1,467,534,179 8,883,182MEIJI YASUDA LIFE INS GRP134844 8,298,88073.03% 0.41% 83.51%$1,431,682,481 517,407BCBS OF KS GRP43045 233,85986.52% 0.40% 83.90%$1,418,452,821 4,758,901RENAISSANCE HLTH SERV CORP GRP47746 2,684,94681.71% 0.39% 84.30%$1,405,846,622 4,803,691PRINCIPAL FIN GRP33247 3,603,09964.08% 0.39% 84.69%$1,352,161,064 191,673HENRY FORD HLTH SYSTEM GRP131148 106,52683.14% 0.37% 85.06%$1,332,660,792 365,986CAPITAL BLUE CROSS GRP123049 131,44586.22% 0.37% 85.43%$1,324,674,058 346,754IHC INC GRP88050 134,82284.40% 0.37% 85.80%$1,323,159,921 223,841BCBS OF NE GRP485851 122,06886.22% 0.37% 86.17%$1,301,515,791 220,575MEDICA GRP155252 122,26487.93% 0.36% 86.53%$1,281,346,148 9,826,729PRUDENTIAL OF AMER GRP30453 4,909144.99% 0.36% 86.88%$1,271,399,357 672,481ARKANSAS BCBS GRP87654 166,14482.61% 0.35% 87.23%$1,256,130,080 240,415UNIVERSITY HLTH CARE & GUNDERSEN LUT487055 111,56189.71% 0.35% 87.58%$1,156,558,084 161,091CDPHP INC GRP470856 89,44683.82% 0.32% 87.90%$1,146,881,322 281,393MISSISSIPPI INS GRP112657 168,30587.31% 0.32% 88.22%

$994,895,551 45,751,225TOKIO MARINE HOLDINGS INC GRP309858 62,03786.08% 0.28% 88.50%$985,047,343 15,036,754AEGON US HOLDING GRP46859 11,466,14354.05% 0.27% 88.77%$945,722,140 205,556BCBS OF RI5347360 112,88580.97% 0.26% 89.03%$938,455,185 0CHUBB LTD GRP62661 054.02% 0.26% 89.29%$915,188,789 166,498DEAN HLTH GRP129462 79,32386.13% 0.25% 89.55%$908,798,889 22,547,561MUTUAL OF OMAHA GRP26163 6,229,94468.34% 0.25% 89.80%$905,024,378 120,696CARLE HOLDING CO GRP119264 62,40186.50% 0.25% 90.05%$903,883,945 588,577JOHN HANCOCK GRP90465 588,33555.75% 0.25% 90.30%$889,133,972 189,640BLUE CROSS OF ID GRP129066 92,09987.73% 0.25% 90.55%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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

$885,682,526 160,660PROVIDENCE HLTH GRP478867 95,61489.48% 0.25% 90.79%$795,905,377 12,274,080FIDELITY SECURITY GRP45168 5,898,04873.26% 0.22% 91.01%$773,503,141 200,657CENTENE CORP GRP129569 34,10788.04% 0.21% 91.23%$747,255,796 120,692INDEPENDENT HLTH ASSN GRP489470 62,08283.85% 0.21% 91.43%$742,872,406 6,548,052ALLSTATE INS GRP871 3,372,36146.26% 0.21% 91.64%$742,760,254 3,942,255SUN LIFE ASSUR CO OF CN GRP54972 44,54475.89% 0.21% 91.85%$727,418,023 232,108NORIDIAN MUT INS CO5589173 114,17788.02% 0.20% 92.05%$718,826,700 1,919,379AMERITAS MUT HOLDING GRP94374 38,08065.16% 0.20% 92.25%$645,888,238 0TRIPLE S GRP480275 082.31% 0.18% 92.43%$632,622,165 133,849WEA GRP493976 68,63491.90% 0.18% 92.60%$621,468,285 139,251PACIFICSOURCE HLTH PLAN GRP470477 120,56282.86% 0.17% 92.77%$569,093,687 3,263,021AFLAC GRP37078 2,235,06344.65% 0.16% 92.93%$567,704,116 284,757AMERICAN INTL GRP1279 79,97244.25% 0.16% 93.09%$551,186,874 604,742MAGELLAN HLTH INC GRP126080 434,75388.19% 0.15% 93.24%$536,281,819 93,201SENTARA HLTH MGMT GRP118381 57,24181.77% 0.15% 93.39%$510,510,030 82,898GEISINGER INS GRP114382 49,42188.21% 0.14% 93.53%$504,642,980 1,067,865AMERICAN FIDELITY CORP GRP33083 1,003,61051.03% 0.14% 93.67%$503,235,037 1,596,365ASSURANT INC GRP1984 1,076,45561.82% 0.14% 93.81%$484,736,897 98,443SANFORD HLTH GRP124685 47,63792.96% 0.13% 93.95%$445,483,729 976,143DELTA DENTAL OF WA4734186 4,56384.12% 0.12% 94.07%$422,448,728 4,546,913WEST SOUTHERN GRP83687 11,97870.88% 0.12% 94.19%$421,652,425 64,909SECURITY HLTH PLAN OF WI INC9688188 28,03595.53% 0.12% 94.30%$414,404,253 71,924SCOTT & WHITE GRP60089 41,36080.65% 0.11% 94.42%$409,448,299 612,466USHEALTH GRP INC GRP83990 422,65645.77% 0.11% 94.53%$400,850,665 59,082PARTNERS HEALTHCARE SYSTEM GRP493491 43,55684.82% 0.11% 94.64%$398,176,516 55,981AVMED INC9526392 35,08283.84% 0.11% 94.75%$394,271,399 59,060RENOWN HLTH GRP479193 27,18287.81% 0.11% 94.86%$377,344,463 6,550,103NATIONAL GUARDIAN LIFE INS GRP121194 2,515,44468.91% 0.10% 94.97%$376,017,711 53,338BAYSTATE HLTH GRP475695 29,77580.79% 0.10% 95.07%$369,376,134 60,665BCBS OF VT GRP474596 32,59290.04% 0.10% 95.18%$360,524,459 69,636COMMUNITYCARE GRP348797 41,87584.55% 0.10% 95.28%$350,860,476 41,088FALLON GRP474198 21,01886.85% 0.10% 95.37%$348,494,718 123,356NIPPON LIFE INS CO OF AMER8126499 70,21979.79% 0.10% 95.47%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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

$345,827,760 65,142GROUP HLTH COOP OF S CENTRAL WI95311100 33,61592.42% 0.10% 95.57%$341,343,370 3,782,801VOYA FINANCIAL GRP4832101 1,957,20546.80% 0.09% 95.66%$340,220,977 4,489,487MINNESOTA MUT GRP869102 2,320,57342.96% 0.09% 95.75%$330,892,190 61,932UNIVERSITY HLTH ALLIANCE47953103 40,90579.06% 0.09% 95.85%$323,146,571 58,529PRESBYTERIAN HLTHCARE SERV GRP481104 31,07186.69% 0.09% 95.94%$318,129,897 143,696WISCONSIN PHYSICIANS SERV INS GRP68105 28,12290.86% 0.09% 96.02%$304,426,684 53,591AULTMAN HLTH FOUNDATION GRP4805106 31,90589.06% 0.08% 96.11%$296,829,005 193,128GENWORTH FIN GRP4011107 185,178147.12% 0.08% 96.19%$287,541,070 157,405STATE FARM GRP176108 61,547100.68% 0.08% 96.27%$278,320,602 51,303BCBS OF WY53767109 26,59280.22% 0.08% 96.35%$270,799,403 115,404MEDICAL CARD SYSTEM INC GRP1301110 52,98386.09% 0.08% 96.42%$270,774,596 170,418OREGON DENTAL GRP1313111 93,45989.96% 0.08% 96.50%$253,142,939 1,605,323GENEVE HOLDINGS INC GRP450112 1,563,72738.25% 0.07% 96.57%$252,092,540 1,401,327BCS INS GRP23113 644,65761.97% 0.07% 96.64%$251,689,321 451,699CNO FINANCIAL GRP233114 319,81980.00% 0.07% 96.71%$244,228,707 509,612DENTAQUEST GRP4512115 3,35175.31% 0.07% 96.78%$242,057,751 664,399CORVESTA GRP4729116 354,96978.93% 0.07% 96.84%$233,257,583 16CUNA MUT GRP306117 1630.98% 0.06% 96.91%$221,292,708 42,288NETWORK HLTH GRP2678118 19,89891.58% 0.06% 96.97%$219,655,726 283,256NATIONAL GEN GRP4928119 179,80645.07% 0.06% 97.03%$211,936,930 541,048DELTA DENTAL OF WI GRP3849120 251,36079.76% 0.06% 97.09%$207,921,964 544,461DELTA DENTAL PLAN OF IL GRP115121 279,21378.39% 0.06% 97.15%$206,762,777 42,549HAWAII MGMT ALLIANCE ASSN48330122 29,88986.22% 0.06% 97.20%$203,524,465 916,407TORCHMARK CORP GRP290123 9,664,37863.87% 0.06% 97.26%$194,518,762 32,494PHYSICIANS HLTH PLAN OF MID MI GRP3408124 15,88085.42% 0.05% 97.31%$194,430,828 771,505DELTA DENTAL PLAN OF AR INC47155125 557,50179.55% 0.05% 97.37%

$360,617,935,248 524,511,006GRAND TOTAL 198,584,82582.00% 100.00%

© 2019 National Association of Insurance Commissioners 140

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Top 25 Groups by Company

Group Business

© 2019 National Association of Insurance Commissioners 141

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© 2019 National Association of Insurance Commissioners 142

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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

$66,082,902,775 22,347,55414,633,373UNITEDHEALTH GRP7071 80.72% 18.32%$28,398,619 4,5392,588ALL SAVERS INS CO82406 72.61%

$195,322 00DENTAL BENEFIT PROVIDERS OF IL INC52053 (15.65)%$951,878,870 352,995189,976GOLDEN RULE INS CO62286 70.82%

)$(94,668 00HARKEN HLTH INS CO79480 0.00%$963,183,220 230,072125,356HEALTH PLAN OF NV96342 79.80%$117,077,419 21,08212,043MAMSI LIFE & HLTH INS CO60321 74.04%$282,081,567 35,93618,399MD INDIVIDUAL PRACTICE ASSN INC96310 80.82%

$5,676,341 47,99027,916NATIONAL PACIFIC DENTAL INC95251 45.09%$714,400,824 158,831107,392NEIGHBORHOOD HLTH PARTNERSHIP INC95123 83.68%

$1,330,752 7,6293,633NEVADA PACIFIC DENTAL INC95758 71.41%$272,557,119 58,61436,972OPTIMUM CHOICE INC96940 72.86%

$0 00ORTHONET OF THE MID ATLANTIC INC11068 0.00%$8,149,730,092 1,028,741553,547OXFORD HLTH INS INC78026 79.71%

$57,509,987 10,9536,828OXFORD HLTH PLANS CT INC96798 78.34%$27,776,061 3,0341,247OXFORD HLTH PLANS NJ INC95506 90.47%

)$(7,455,497 00OXFORD HLTH PLANS NY INC95479 0.00%$3,474,925 44,83617,835PACIFICARE LIFE & HLTH INS CO70785 53.68%

$620,812 00PACIFICARE OF AZ INC95617 19.93%$391,186,053 29,13429,134PACIFICARE OF CO INC95434 77.69%

$63,727 00PACIFICARE OF NV INC95685 (2.87)%$434,311 1414PREFERRED CARE PARTNERS INC11176 86.13%

$97,787,486 14,2458,106ROCKY MOUNTAIN HMO INC95482 74.13%$15,541,750,677 1,313,1781,286,643SIERRA HLTH & LIFE INS CO INC71420 83.99%

$43,263,472 274,959144,545UNIMERICA INS CO91529 71.98%$1,432,953 20,63520,635UNIMERICA LIFE INS CO OF NY11596 (12.96)%

$18,407,040 3,0602,055UNITED HLTH CARE OF MS INC95716 76.31%$1,247,685,607 216,829122,197UNITED HLTHCARE INS CO OF IL60318 79.69%

$862,419,222 604,688353,686UNITED HLTHCARE INS CO OF NY60093 78.11%$88,734,740 23,85514,386UNITED HLTHCARE MID ATLANTIC INC95025 79.54%$11,818,744 2,5721,533UNITED HLTHCARE OF AL INC95784 84.43%

© 2019 National Association of Insurance Commissioners 143

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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

$23,823,420 4,4262,668UNITED HLTHCARE OF AR INC954461 67.21%$125,108,790 15,5509,970UNITED HLTHCARE OF AZ INC96016 79.24%

$92,382,091 23,66615,811UNITED HLTHCARE OF CO INC95090 75.44%$630,543,325 123,29880,742UNITED HLTHCARE OF FL INC95264 80.79%$231,844,201 45,14926,084UNITED HLTHCARE OF GA INC95850 89.24%$158,670,640 32,92919,952UNITED HLTHCARE OF KY LTD96644 80.84%

$43,963,928 5,6193,802UNITED HLTHCARE OF LA INC95833 74.25%$51,121,333 4,4963,820UNITED HLTHCARE OF MIDLANDS INC95591 76.67%$58,433,668 10,6556,049UNITED HLTHCARE OF OH INC95186 72.67%$15,054,380 3,0961,428UNITED HLTHCARE OF UT INC95501 155.87%$31,284,715 1,7111,711UNITEDHEALTHCARE BENEFITS OF TX INC95174 74.83%

$129,813 10741UNITEDHEALTHCARE COMM PLAN INC95467 41.01%$31,801,682,746 17,013,49311,037,605UNITEDHEALTHCARE INS CO79413 79.84%

$1,025,954,465 202,940121,955UNITEDHEALTHCARE INS CO OF THE RIVER12231 80.54%$453,271,561 79,29544,995UNITEDHEALTHCARE LIFE INS CO97179 84.70%$178,797,643 33,63820,657UNITEDHEALTHCARE OF IL INC95776 75.66%

)$(1,303,415 00UNITEDHEALTHCARE OF MIDWEST INC96385 0.00%$491,623,925 93,87762,449UNITEDHEALTHCARE OF NC INC95103 84.27%

$20,167,833 2,1081,564UNITEDHEALTHCARE OF NEW ENGLAND INC95149 71.64%$12,252,224 800595UNITEDHEALTHCARE OF OR INC95893 65.60%

$122,227,913 27,19218,056UNITEDHEALTHCARE OF TX INC95765 68.40%$231,045,019 43,75727,798UNITEDHEALTHCARE OF WA INC48038 84.73%$125,978,115 20,45210,628UNITEDHEALTHCARE OF WI INC95710 75.83%$160,627,950 30,51916,629UNITEDHEALTHCARE PLAN OF THE RIVER V95378 78.34%$124,890,695 20,36011,698UNITEDHEATHCARE OF OK INC96903 84.50%

$25,333,967,142 11,025,6045,807,068ANTHEM INC GRP6712 84.37% 7.03%$1,004,584,354 1,530,8691,081,282ANTHEM BLUE CROSS LIFE & HLTH INS CO62825 81.43%$1,099,749,113 310,807163,079ANTHEM HLTH PLANS INC60217 82.18%$1,591,204,758 601,554326,751ANTHEM HLTH PLANS OF KY INC95120 81.94%

$909,118,666 304,533163,370ANTHEM HLTH PLANS OF ME INC52618 86.26%

© 2019 National Association of Insurance Commissioners 144

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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

$471,246,016 100,19754,433ANTHEM HLTH PLANS OF NH537592 88.02%$2,996,265,203 788,893398,496ANTHEM HLTH PLANS OF VA INC71835 86.05%$2,413,821,798 1,131,032654,608ANTHEM INS CO INC28207 84.26%

$3,307,968 86,90686,880ANTHEM LIFE & DISABILITY INS CO13573 53.05%$98,450,129 1,187,40925,861ANTHEM LIFE INS CO61069 60.93%

$2,917,781,040 502,878267,796BCBS HLTHCARE PLAN OF GA INC96962 85.81%$134,566,528 728,356396,030BCBS OF GA INC54801 74.64%$721,360,164 229,672117,552BCBS OF WI54003 89.40%

$3,374,902,432 1,093,266553,760COMMUNITY INS CO10345 84.55%$428,106,270 95,84547,738COMPCARE HLTH SERV INS CORP95693 84.93%

$2,177,935,721 651,985348,926EMPIRE HEALTHCHOICE ASSUR INC55093 86.26%$129,863,480 12,4827,507EMPIRE HEALTHCHOICE HMO INC95433 83.37%

$16,391,725 195,604195,121GREATER GA LIFE INS CO97217 49.31%$766,015,615 137,72085,679HEALTHKEEPERS INC95169 74.66%

$1,655,957,846 449,168244,817HEALTHY ALLIANCE LIFE INS CO78972 83.01%$144,491,117 26,09514,977HMO CO INC95473 84.67%$111,160,387 18,68210,374HMO MO INC95358 83.69%$372,100,642 58,72634,415MATTHEW THORTON HLTH PLAN INC95527 77.28%

$1,709,776,884 430,697230,685ROCKY MOUNTAIN HOSPITAL & MEDICAL11011 87.07%$41,721,608 339,315289,935UNICARE LIFE & HLTH INS CO80314 85.73%$44,087,678 12,9136,996WISCONSIN COLLABORATIVE INS CO15929 94.08%

$22,426,825,303 5,353,9642,505,667HCSC GRP9173 83.03% 6.22%$173,109,946 796,18511,989DEARBORN NATL LIFE INS CO71129 79.31%

$226,093 322322DEARBORN NATL LIFE INS CO OF NY85090 312.90%$2,326,405 280169GHS HMO INC DBA BLUELINCS HMO11814 67.05%

$62,968,443 13,54713,547HCSC INS SERV CO78611 86.99%$22,188,194,416 4,543,6302,479,640HEALTH CARE SERV CORP A MUT LEGAL RE70670 83.05%

$19,945,492,764 3,781,6141,999,086CVS GRP14 82.32% 5.53%$30,438,801 217,91986,527AETNA DENTAL INC95910 65.42%

© 2019 National Association of Insurance Commissioners 145

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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

$9,010,651 150,6121,625AETNA DENTAL INC NJ CORP111834 79.89%$80,159,282 11,7145,410AETNA HEALTH INC LA95173 77.05%$16,319,240 15,05714,956AETNA HLTH & LIFE INS CO78700 85.49%

$299,001,987 45,04326,152AETNA HLTH ASSUR PA INC15827 83.66%$2,024,413 207105AETNA HLTH INC CT CORP95935 46.81%

$784,148,526 131,04583,183AETNA HLTH INC FL CORP95088 89.91%$201,167,561 51,57229,706AETNA HLTH INC GA CORP95094 80.92%

$13,092,138 1,9451,067AETNA HLTH INC ME CORP95517 71.05%$0 00AETNA HLTH INC MI CORP95756 0.00%

$156,278,463 17,6248,681AETNA HLTH INC NJ CORP95287 84.28%)$(451,673 00AETNA HLTH INC NY CORP95234 0.00%

$1,667,018,216 304,795165,668AETNA HLTH INC PA CORP95109 82.82%$107,854,167 17,21010,107AETNA HLTH INC TX CORP95490 85.39%

$8,280,400 52,56629,988AETNA HLTH INS CO72052 89.98%$0 00AETNA HLTH INS CO OF NY84450 0.00%

$26,436,473 4,0252,397AETNA HLTH OF IA INC95241 91.16%$172,306,337 28,46611,511AETNA HLTH OF UTAH INC95407 78.31%

$15,842,177,608 2,557,5841,397,253AETNA LIFE INS CO60054 82.00%$230,614 16192ALLINA HLTH & AETNA INS CO16194 30.03%

$77,478,218 32,24419,220BANNER HLTH & AETNA HLTH INS CO16058 77.30%$16,425,442 5,2193,045BANNER HLTH & AETNA HLTH PLAN INC16059 88.97%

$3,694,522 1,2791,279CONTINENTAL LIFE INS CO BRENTWOOD68500 84.56%$113,494,120 17,36310,051COVENTRY HLTH & LIFE INS CO81973 81.85%$18,906,457 2,1871,562COVENTRY HLTH CARE OF FL INC95114 104.62%

$6,908,303 835522COVENTRY HLTH CARE OF IL INC74160 38.69%$5,986,069 1,186688COVENTRY HLTH CARE OF KS INC95489 76.77%

$0 00COVENTRY HLTH CARE OF MO INC96377 0.00%$8,812,099 1,640941COVENTRY HLTH CARE OF NE INC95925 117.79%

$0 00COVENTRY HLTH CARE OF VA INC96555 0.00%)$(93,057 00COVENTRY HLTH CARE OF W VA INC95408 0.00%)$(11,426 00COVENTRY HLTH PLAN OF FL INC95266 0.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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

$16,066,339 30,72321,016FIRST HLTH LIFE & HLTH INS CO903284 61.76%$9,951,940 34,93834,938GROUP DENTAL SERV OF MD INC95846 61.83%

$20,161,543 1,141650HEALTHASSURANCE PA INC11102 61.86%$70,922,178 11,0715,786INNOVATION HLTH INS CO15097 80.47%$96,247,408 14,8929,018INNOVATION HLTH PLAN INC15098 77.64%

$0 00MHNET LIFE & HLTH INS CO12509 0.00%$27,714,175 9,3449,344SILVERSCRIPT INS CO12575 93.99%$27,131,175 7,5955,282TEXAS HLTH + AETNA HLTH INS CO16121 73.60%$10,204,055 2,4121,316TEXAS HLTH + AETNA HLTH PLAN INC16132 123.35%

$14,768,067,145 26,433,093475,451CIGNA HLTH GRP9015 79.49% 4.10%$15,905,598 2,89021ALLEGIANCE LIFE & HLTH INS CO INC12814 71.94%

$8,700,953 41,687737CIGNA DENTAL HLTH OF CO INC11175 55.33%$131,701 603151CIGNA DENTAL HLTH OF DE INC95380 102.64%

$36,593,504 00CIGNA DENTAL HLTH OF FL INC52021 45.50%$1,647,144 7,934372CIGNA DENTAL HLTH OF KS INC52024 55.98%

$11,267,653 54,334583CIGNA DENTAL HLTH OF KY INC52108 49.13%$10,703,668 50,117714CIGNA DENTAL HLTH OF MD INC48119 50.09%

$5,014,955 22,925507CIGNA DENTAL HLTH OF MO INC11160 71.03%$5,239,105 23,692686CIGNA DENTAL HLTH OF NC INC95179 74.66%

$13,482,487 73,5821,255CIGNA DENTAL HLTH OF NJ INC11167 80.29%$8,422,475 41,400631CIGNA DENTAL HLTH OF OH INC47805 52.48%$5,805,960 26,996742CIGNA DENTAL HLTH OF PA INC47041 46.70%

$33,707,238 202,7581,237CIGNA DENTAL HLTH OF TX INC95037 47.13%$5,472,894 26,774686CIGNA DENTAL HLTH OF VA INC52617 52.21%

$20,453,453 134,564806CIGNA DENTAL HLTH PLAN OF AZ INC47013 58.34%$26,473 51CIGNA HLTCARE OF IN INC95525 (127.78)%

$10,926,126,266 7,687,176173,158CIGNA HLTH & LIFE INS CO67369 82.33%$0 00CIGNA HLTHCARE NH INC95493 0.00%

$581,797,526 46,78444,848CIGNA HLTHCARE OF AZ INC95125 84.66%$2,671,401 258130CIGNA HLTHCARE OF CO INC95604 97.49%

© 2019 National Association of Insurance Commissioners 147

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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

$9,468,990 32,71517,444CIGNA HLTHCARE OF CT INC956605 56.72%$1,108,203 253128CIGNA HLTHCARE OF FL INC95136 89.03%

$254,005,809 24,05923,798CIGNA HLTHCARE OF GA INC96229 82.61%$894,691 14179CIGNA HLTHCARE OF IL INC95602 59.59%

$71,384,998 6,5666,249CIGNA HLTHCARE OF NC INC95132 76.33%$530,995 9550CIGNA HLTHCARE OF NJ INC95500 213.90%

$56,109,440 5,3445,334CIGNA HLTHCARE OF SC INC95708 79.02%$19,913,088 2,2931,843CIGNA HLTHCARE OF ST LOUIS INC95635 73.38%$21,323,526 3,5822,045CIGNA HLTHCARE OF TN INC95606 79.45%$76,457,145 8,6194,127CIGNA HLTHCARE OF TX INC95383 83.50%

$146,348,802 1,215,5832,940CIGNA LIFE INS CO OF NY64548 75.00%$25,150 8843CIGNA NATL HLTH INS CO61727 28.65%

)$(1,302 5120CIGNA WORLDWIDE INS CO90859 0.00%$20,064,532 394,0962,830CONNECTICUT GEN LIFE INS CO62308 79.10%

$2,206,929,194 16,133,68823,764LIFE INS CO OF N AMER65498 67.14%$6,640,497 23,96720,018LOYAL AMER LIFE INS CO65722 35.91%

$17,101,179 11,24811,248MEDCO CONTAINMENT INS CO OF NY34720 55.29%$166,591,754 126,226126,226MEDCO CONTAINMENT LIFE INS CO63762 69.36%

$14,297,127,454 2,439,8321,464,762KAISER FOUNDATION GRP6016 91.57% 3.96%$1,175,145,802 193,126120,715KAISER FOUND HLTH PLAN INC HI REGION11538 91.20%$3,073,179,947 536,111321,510KAISER FOUND HLTH PLAN MID ATLANTI95639 88.17%$3,289,496,419 507,136329,504KAISER FOUND HLTH PLAN OF CO95669 99.47%$1,483,233,809 252,428145,102KAISER FOUND HLTH PLAN OF GA INC96237 99.94%$2,410,861,285 393,259198,979KAISER FOUND HLTH PLAN OF THE NW95540 87.30%

$934,622,324 163,930104,479KAISER FOUND HLTH PLAN OF WA OPTIONS47055 85.10%$1,813,517,895 265,610158,027KAISER FOUNDATION HLTH PLAN OF WA95672 85.94%

$117,069,973 128,23286,446KAISER PERMANENTE INS CO60053 83.28%

$12,310,704,276 5,831,2613,497,729HUMANA GRP1197 83.82% 3.41%$1,295,825 107107ARCADIAN HLTH PLAN INC12151 76.95%

© 2019 National Association of Insurance Commissioners 148

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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

$238,291 2828CARITEN HLTH PLAN INC957547 196.63%$57,045,129 562,968310,488COMPBENEFITS CO52015 61.88%

$3,176,464 18,0438,835COMPBENEFITS DENTAL INC11228 59.98%$35,583,806 178,40199,794COMPBENEFITS INS CO60984 71.36%$18,633,330 155,22689,349DENTICARE INC95161 55.58%

)$(3,175 00EMPHESYS INS CO88595 0.00%$348,133,425 26,29526,295HUMANA BENEFIT PLAN OF IL INC60052 86.03%$780,102,617 165,29498,108HUMANA EMPLOYERS HLTH PLAN GA INC95519 83.70%$442,583,994 202,746121,231HUMANA HLTH BENEFIT PLAN OF LA INC95642 83.28%

$5,374 11HUMANA HLTH CO OF NY INC13558 51.36%$16,889,650 3,2461,703HUMANA HLTH INS CO OF FL INC69671 83.29%

$951,287,381 187,253113,939HUMANA HLTH PLAN INC95885 82.91%)$(517 00HUMANA HLTH PLAN OF CA INC16280 0.00%

$224,982,611 44,01723,988HUMANA HLTH PLAN OF OH INC95348 82.90%$751,951,001 149,82492,911HUMANA HLTH PLAN OF TX INC95024 82.28%

$58,566,346 12,9927,287HUMANA HLTH PLANS OF PR95721 85.19%$7,403,625,208 3,310,5232,056,230HUMANA INS CO73288 84.63%

$229,044 1,724871HUMANA INS CO OF KY60219 75.01%$44,256,857 7,9216,657HUMANA INS CO OF NY12634 85.34%

$119,410,590 97,60342,246HUMANA INS CO OF PR INC84603 86.18%$774,479,068 128,25592,089HUMANA MEDICAL PLAN INC95270 83.66%

$51,996 19373HUMANA MEDICAL PLAN OF UT INC12908 68.96%$112,075,429 23,40612,354HUMANA WI HLTH ORG INS CORP95342 95.89%$135,450,241 324,903170,436HUMANADENTAL INS CO70580 61.35%

$30,654,291 230,292122,709THE DENTAL CONCERN INC54739 67.93%

$9,450,886,626 1,531,442817,819BCBS OF MI GRP5728 83.83% 2.62%$6,716,758,577 1,005,378549,524BCBS OF MI MUT INS CO54291 84.91%$2,733,796,626 524,114267,145BLUE CARE NETWORK OF MI95610 81.22%

$331,423 1,9501,150LIFESECURE INS CO77720 21.76%$0 00UNITED WI INS CO29157 0.00%

© 2019 National Association of Insurance Commissioners 149

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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

$8,048,929,552 10,091,5155,331,653HIGHMARK GRP8129 85.44% 2.23%$262,687,663 42,28223,923FIRST PRIORITY LIFE INS CO INC60147 79.32%$497,430,256 75,79745,097HIGHMARK BCBSD INC53287 84.10%

$47,975,274 12,1737,168HIGHMARK BENEFITS GRP INC15508 56.53%$226,949,595 14,64113,285HIGHMARK CHOICE CO95048 78.88%

$14,271,542 1,8591,023HIGHMARK COVERAGE ADVANTAGE INC15507 76.79%$3,310,315,083 711,925387,509HIGHMARK INC54771 86.26%$1,037,998,844 78,27578,275HIGHMARK SENIOR HLTH CO15460 84.64%

$16,734,105 1,0721,072HIGHMARK SENIOR SOLUTIONS CO15459 92.06%$914,466,575 139,15670,946HIGHMARK WEST VIRGINIA INC.54828 85.73%$284,354,443 99,48053,338HM HLTH INS CO71768 79.59%$143,049,784 3,225,0931,602,859HM LIFE INS CO93440 80.73%

$29,969,396 1,290,923710,016HM LIFE INS CO OF NY60213 79.03%$20,287,162 3,7922,249HMO OF NE PA96601 73.49%

$516,228,685 1,815,459756,592UNITED CONCORDIA COMPANIES INC89070 99.30%$9,313,710 41,69722,976UNITED CONCORDIA DENTAL PLAN PA INC47089 79.15%$3,260,204 17,1809,627UNITED CONCORDIA DENTAL PLANS95253 58.67%

$505,370 4,4002,293UNITED CONCORDIA DENTAL PLANS TX INC95160 64.04%$6,534,584 21,7558,234UNITED CONCORDIA DENTAL PLNS OF MW96150 86.45%

$699,653,413 2,479,2331,527,725UNITED CONCORDIA INS CO85766 83.75%$6,943,864 15,3237,446UNITED CONCORDIA INS CO OF NY60222 78.84%

$7,373,247,573 1,303,949688,764CAREFIRST INC GRP38010 84.55% 2.04%$2,715,109,675 515,404284,667CAREFIRST BLUECHOICE INC96202 77.58%$1,511,504,659 278,765138,602CAREFIRST OF MD INC47058 90.22%$3,144,960,203 498,492259,326GROUP HOSPITALIZATION & MED SRVCS53007 87.85%

$1,673,036 11,2886,169THE DENTAL NETWORK INC13130 56.58%

$7,213,622,866 29,617,524134,314METROPOLITAN GRP24111 81.74% 2.00%$63,157,915 35,317809DELAWARE AMER LIFE INS CO62634 66.18%

$344,740 8,182214METLIFE HLTH PLANS INC14170 85.58%

© 2019 National Association of Insurance Commissioners 150

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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

$7,127,501,909 29,397,978118,911METROPOLITAN LIFE INS CO6597811 81.94%)$(190 1847METROPOLITAN TOWER LIFE INS CO97136 0.00%

$14,786,735 98,0106,293SAFEGUARD HLTH PLANS INC52009 61.98%$7,717,405 69,0833,466SAFEGUARD HLTH PLANS INC95051 49.18%

$114,352 8,7704,614SAFEHEALTH LIFE INS CO79014 20.31%

$7,188,288,704 1,540,804895,103GUIDEWELL MUT HOLDING GRP53612 83.92% 1.99%$4,918,436,960 896,171515,039BCBS OF FL98167 84.98%

$863,171,411 134,38474,968CAPITAL HLTH PLAN INC95112 93.01%$61,502,357 218,795104,594FLORIDA COMBINED LIFE INS CO INC76031 66.38%

$190,637,361 35,02123,018FLORIDA HLTH CARE PLAN INC13567 82.49%$1,154,540,615 256,433177,484HEALTH OPTIONS INC95089 73.77%

$6,500,176,620 1,832,883944,034BCBS OF MA GRP363713 84.14% 1.80%$2,209,652,724 1,125,775599,116BCBS OF MA53228 86.85%$4,290,523,896 707,108344,918BCBS OF MA HMO BLUE INC12219 82.75%

$5,072,917,210 1,320,176659,345BCBS OF NJ GRP120214 85.47% 1.41%$15,392,257 70,83434,886HORIZON HLTHCARE DENTAL INC11146 71.36%$23,659,810 2,6701,338HORIZON HLTHCARE OF NJ INC95529 89.60%

$5,025,324,909 1,076,770534,901HORIZON HLTHCARE SERV INC55069 85.51%$8,540,234 169,90288,220HORIZON INS CO14690 71.88%

$4,520,637,964 2,129,4321,081,918EMBLEM HLTH GRP112715 86.92% 1.25%$546,802 197124CONNECTICARE BENEFITS INC14913 50.37%

$201,938,568 27,04414,183CONNECTICARE INC95675 81.10%$481,441,420 74,74638,899CONNECTICARE INS CO INC11209 79.27%

$3,213,167 306176CONNECTICARE OF MA INC95299 53.44%$797,102,217 1,666,478811,690GROUP HLTH INC55239 82.18%

$3,027,971,456 354,307211,110HEALTH INS PLAN OF GREATER NY55247 89.80%$8,424,334 6,3545,736HIP INS CO OF NY60094 91.41%

© 2019 National Association of Insurance Commissioners 151

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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

$4,016,503,112 1,526,2231,027,860CAMBIA HEALTH SOLUTIONS INC120716 80.65% 1.11%$123,802,885 29,31219,878ASURIS NW HLTH47350 72.11%

$52,621,375 522,024462,977LIFEMAP ASSUR CO97985 70.40%$1,297,606,500 326,383184,537REGENCE BCBS OF OR54933 83.43%

$822,037,950 187,08482,128REGENCE BCBS OF UT54550 82.74%$1,411,078,355 376,095230,740REGENCE BLUESHIELD53902 78.59%

$309,356,047 85,32547,600REGENCE BLUESHIELD OF ID INC60131 78.05%

$3,813,381,002 19,960,944670,185UNUM GRP56517 73.55% 1.06%$192,930,672 540,56816,779COLONIAL LIFE & ACCIDENT INS CO62049 38.61%$279,888,558 1,707,0839,998FIRST UNUM LIFE INS CO64297 85.92%

$15,719,063 42,3481,970PAUL REVERE LIFE INS CO67598 53.54%$3,425,566 7,9446,444PROVIDENT LIFE & ACCIDENT INS CO68195 223.45%

$187,747 56012PROVIDENT LIFE & CAS INS CO68209 1,209.27%$183,286,823 889,578483,533STARMOUNT LIFE INS CO68985 69.00%

$4,791,895 42,92380UNUM INS CO67601 50.00%$3,133,150,678 16,729,940151,369UNUM LIFE INS CO OF AMER62235 74.77%

$3,611,877,727 1,095,134574,255BCBS OF AL GRP57018 88.55% 1.00%$3,611,877,727 1,095,134574,255BCBS OF AL55433 88.55%

$3,543,890,127 586,468332,916INDEPENDENCE HLTH GRP INC GRP93619 76.82% 0.98%$99,943,097 15,0838,227AMERIHEALTH HMO INC95044 71.79%

$464,080,493 65,23933,809AMERIHEALTH INS CO OF NJ60061 78.49%$315,696,261 91,34055,958INDEPENDENCE HOSPITAL IND PLAN INC54704 94.03%

$21 00INTER CNTY HLTH PLAN INC53252 10,880.95)%$6,160 00INTER CTY HOSPITALIZATION PLAN INC54763 (1,861.06)%

$1,157,272,929 175,960108,482KEYSTONE HLTH PLAN E INC95056 73.20%$1,506,891,166 238,846126,440QCC INS CO93688 75.84%

$3,280,494,472 677,012407,049BCBS OF NC GRP75820 81.48% 0.91%$3,280,494,472 677,012407,049BCBS OF NC INC54631 81.48%

© 2019 National Association of Insurance Commissioners 152

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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

$3,245,133,971 19,554,78811,915,562GUARDIAN LIFE GRP42921 62.27% 0.90%$152,955 942601ACCESS DENTAL PLAN OF NV INC15307 32.51%

$9,770,861 173,2490AVESIS INS INC11163 77.50%$26,912,847 109,4991,872FIRST COMMONWEALTH INS CO60239 59.05%

$3,372,019 14,081534FIRST COMMONWEALTH LTD HLTH SERV COR12146 48.88%$143,747 1,30744FIRST COMMONWEALTH LTD HLTH SERV COR11221 132.05%

$1,224,946 3,899102FIRST COMMONWEALTH OF MO INC47716 73.28%$3,093,992,956 18,923,46311,669,604GUARDIAN LIFE INS CO OF AMER64246 62.22%

$2,326,996 10,3107,453MANAGED DENTAL GUARD INC11199 79.96%$5,068,691 33,18922,261MANAGED DENTALGUARD INC52556 45.85%

$345,738 1,70394MANAGED DENTALGUARD INC14142 55.28%$101,822,215 283,146212,997PREMIER ACCESS INS CO60237 63.88%

$3,075,857,539 706,016394,210LIFETIME HLTHCARE GRP118622 87.29% 0.85%$3,057,465,301 679,629373,583EXCELLUS HLTH PLAN INC55107 84.18%

$9,799,344 20,59220,592MEDAMERICA INS CO69515 580.57%$30,491 3535MEDAMERICA INS CO OF FL12967 193.47%

$8,562,403 5,7600MEDAMERICA INS CO OF NY83437 632.41%

$2,885,887,518 610,710349,559PREMERA BLUE CROSS GRP96223 83.88% 0.80%$29,362,601 12,08111,558LIFEWISE ASSUR CO94188 84.64%

)$(306,018 00LIFEWISE HLTH PLAN OF OR INC84930 0.00%$2,856,830,935 598,629338,001PREMERA BLUE CROSS47570 83.87%

$2,822,334,585 610,712320,130WELLMARK INC GRP77024 83.21% 0.78%$416,455,642 88,70549,616WELLMARK HLTH PLAN OF IA INC95531 74.86%

$1,797,557,000 411,017213,036WELLMARK INC88848 84.78%$605,735,393 110,06356,945WELLMARK OF SD INC60128 84.37%

$1,494,473 377193WELLMARK SYNERGY HLTH INC15935 56.92%$1,092,077 550340WELLMARK VALUE HLTH PLAN INC15934 87.64%

© 2019 National Association of Insurance Commissioners 153

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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

$2,817,962,091 1,384,745746,472BCBS OF TN GRP349825 80.45% 0.78%$2,817,962,091 1,384,745746,472BCBS OF TN INC54518 80.45%

$360,617,935,248 524,511,006198,584,82526 82.00%

© 2019 National Association of Insurance Commissioners 154

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Market Share by Statement Type Group Business

© 2019 National Association of Insurance Commissioners 155

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© 2019 National Association of Insurance Commissioners 156

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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

$33,283,403,146 17,790,752UNITEDHEALTH GRP7071 11,458,17979.63% 31.95% 31.95%$15,878,257,709 2,604,643CVS GRP12 1,434,50481.98% 15.24% 47.20%$13,306,133,139 25,454,649CIGNA HLTH GRP9013 222,77379.70% 12.77% 59.97%

$7,190,659,634 29,433,479METROPOLITAN GRP2414 119,72781.82% 6.90% 66.88%$3,813,381,002 19,960,944UNUM GRP5655 670,18573.55% 3.66% 70.54%$3,093,992,956 18,923,463GUARDIAN LIFE GRP4296 11,669,60462.22% 2.97% 73.51%$2,737,438,398 15,295,396LINCOLN NATL GRP207 6,027,97178.55% 2.63% 76.14%$2,012,492,417 15,310,013HARTFORD FIRE & CAS GRP918 121,27968.92% 1.93% 78.07%$1,467,534,179 8,883,182MEIJI YASUDA LIFE INS GRP13489 8,298,88073.03% 1.41% 79.48%$1,427,458,798 517,407BCBS OF KS GRP43010 233,85986.50% 1.37% 80.85%$1,399,751,856 4,753,886PRINCIPAL FIN GRP33211 3,600,93064.13% 1.34% 82.19%$1,281,346,148 9,826,729PRUDENTIAL OF AMER GRP30412 4,909144.99% 1.23% 83.42%

$984,940,426 15,036,661AEGON US HOLDING GRP46813 11,466,05354.05% 0.95% 84.37%$908,798,889 22,547,561MUTUAL OF OMAHA GRP26114 6,229,94468.34% 0.87% 85.24%$903,883,945 588,577JOHN HANCOCK GRP90415 588,33555.75% 0.87% 86.11%$826,363,972 3,710,030TOKIO MARINE HOLDINGS INC GRP309816 38,50786.22% 0.79% 86.90%$795,905,377 12,274,080FIDELITY SECURITY GRP45117 5,898,04873.26% 0.76% 87.66%$742,872,406 6,548,052ALLSTATE INS GRP818 3,372,36146.26% 0.71% 88.38%$731,633,671 3,850,377SUN LIFE ASSUR CO OF CN GRP54919 43,16776.30% 0.70% 89.08%$718,826,700 1,919,379AMERITAS MUT HOLDING GRP94320 38,08065.16% 0.69% 89.77%$606,647,792 130,006WEA GRP493921 66,50891.60% 0.58% 90.35%$569,093,687 3,263,021AFLAC GRP37022 2,235,06344.65% 0.55% 90.90%$559,872,189 163,211CENTENE CORP GRP129523 9,27188.76% 0.54% 91.44%$504,642,980 1,067,865AMERICAN FIDELITY CORP GRP33024 1,003,61051.03% 0.48% 91.92%$503,020,857 1,594,344ASSURANT INC GRP1925 1,074,43461.84% 0.48% 92.40%$422,448,728 4,546,913WEST SOUTHERN GRP83626 11,97870.88% 0.41% 92.81%$409,448,299 612,466USHEALTH GRP INC GRP83927 422,65645.77% 0.39% 93.20%$377,344,463 6,550,103NATIONAL GUARDIAN LIFE INS GRP121128 2,515,44468.91% 0.36% 93.56%$348,494,718 123,356NIPPON LIFE INS CO OF AMER8126429 70,21979.79% 0.33% 93.90%$341,343,370 3,782,801VOYA FINANCIAL GRP483230 1,957,20546.80% 0.33% 94.23%$340,220,977 4,489,487MINNESOTA MUT GRP86931 2,320,57342.96% 0.33% 94.55%$319,826,329 0CHUBB LTD GRP62632 075.95% 0.31% 94.86%$296,829,005 193,128GENWORTH FIN GRP401133 185,178147.12% 0.28% 95.15%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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

$270,799,403 115,404MEDICAL CARD SYSTEM INC GRP130134 52,98386.09% 0.26% 95.41%$256,865,648 610,619BCBS OF SC GRP66135 413,95250.28% 0.25% 95.65%$251,689,321 451,699CNO FINANCIAL GRP23336 319,81980.00% 0.24% 95.89%$233,257,583 16CUNA MUT GRP30637 1630.98% 0.22% 96.12%$203,524,465 916,407TORCHMARK CORP GRP29038 9,664,37863.87% 0.20% 96.31%$193,649,595 1,416,282NEW YORK LIFE GRP82639 1,398,36168.20% 0.19% 96.50%$179,402,507 1,557,501GENEVE HOLDINGS INC GRP45040 1,528,03247.37% 0.17% 96.67%$178,426,111 2,396,437SUMITOMO LIFE INS GRP485541 2,444,74573.07% 0.17% 96.84%$177,230,336 219,381NATIONAL GEN GRP492842 136,86345.66% 0.17% 97.01%$173,336,039 796,507HCSC GRP91743 12,31179.61% 0.17% 97.18%$173,063,406 1,711,932SHELTERPOINT GRP INC480344 1,637,35554.28% 0.17% 97.35%$173,019,180 4,516,016HIGHMARK GRP81245 2,312,87580.44% 0.17% 97.51%$159,871,430 1,809,234ANTHEM INC GRP67146 597,79766.05% 0.15% 97.67%$156,405,505 841,681BCS INS GRP2347 396,86773.65% 0.15% 97.82%$134,834,450 1,243,464ONEAMERICA FIN PARTNERS GRP61948 1,243,35964.38% 0.13% 97.94%$121,085,859 149,903PAN AMER LIFE GRP52549 97,19558.05% 0.12% 98.06%$119,639,634 99,327HUMANA GRP11950 43,11786.16% 0.11% 98.18%$118,175,719 232,152NORTHWESTERN MUT GRP86051 13,33140.94% 0.11% 98.29%$115,571,552 582,020TRUSTMARK MUT HOLDING CO GRP27652 434,68240.06% 0.11% 98.40%$99,410,213 308,930NATIONWIDE CORP GRP14053 37,81846.45% 0.10% 98.50%$95,990,713 384,711ARKANSAS BCBS GRP87654 1,84263.53% 0.09% 98.59%$81,177,862 65,702HOMESHIELD CAPITAL GRP285855 1138.11% 0.08% 98.67%$71,594,663 176,600MAPFRE INS GRP41156 28,33985.25% 0.07% 98.73%$68,548,757 380,928HOPMEADOW HOLDINGS GRP492657 75471.23% 0.07% 98.80%$67,261,375 401,610AAA LIFE GRP485358 401,61050.19% 0.06% 98.87%$61,502,357 218,795GUIDEWELL MUT HOLDING GRP53659 104,59466.38% 0.06% 98.92%$61,103,993 584,390BOSTON MUT GRP58160 493,92356.36% 0.06% 98.98%$60,558,661 37,369AMERICAN ENTERPRISE MUT GRP352761 38,17070.16% 0.06% 99.04%$59,931,645 136,251PHYSICIANS MUT GRP36762 115,28758.36% 0.06% 99.10%$58,393,316 196,270KANSAS CITY LIFE INS GRP58863 153,91361.47% 0.06% 99.15%$52,621,375 522,024CAMBIA HEALTH SOLUTIONS INC120764 462,97770.40% 0.05% 99.21%$50,739,491 203,543BLUE SHIELD OF CA GRP279865 146,17774.46% 0.05% 99.25%$47,750,101 90,181AMERICAN NATL FIN GRP40866 51,43659.09% 0.05% 99.30%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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

$47,125,447 120,253GUARANTEE TRUST GRP68767 101,91243.53% 0.05% 99.34%$46,340,452 284,133AMERICAN INTL GRP1268 52,2413.59% 0.04% 99.39%$42,749,426 88,515ASSURITY GRP486269 48,90365.61% 0.04% 99.43%$41,351,762 1GREAT WEST GRP76970 1104.98% 0.04% 99.47%$35,972,334 192,876UNIFIED LIFE INS CO1112171 117,64166.28% 0.03% 99.50%$29,932,986 173,485AXA INS GRP96872 155,640103.54% 0.03% 99.53%$29,362,601 12,081PREMERA BLUE CROSS GRP96273 11,55884.64% 0.03% 99.56%$24,736,316 6,872NETCARE LIFE & HLTH INS CO6024674 21697.14% 0.02% 99.59%$23,496,630 103,709MANHATTAN LIFE GRP111775 103,20936.35% 0.02% 99.61%$23,126,814 61,318BEST LIFE & HLTH INS CO9063876 35,60671.56% 0.02% 99.63%$21,833,979 95,270ZURICH INS GRP21277 100,59250.63% 0.02% 99.65%$21,714,946 89,043WISCONSIN PHYSICIANS SERV INS GRP6878 1,58381.10% 0.02% 99.67%$20,653,688 2,267,723WR BERKLEY CORP GRP9879 5,90150.29% 0.02% 99.69%$18,392,238 26,387LIFETIME HLTHCARE GRP118680 20,627604.07% 0.02% 99.71%$17,184,842 179,029APOLLO GLOBAL MGMT GRP473481 36,20834.57% 0.02% 99.73%$17,047,341 2,264,998UNION LABOR GRP78182 2,231,41457.72% 0.02% 99.74%$16,628,821 199,174SECURITY MUT LIFE INS CO OF NY6877283 2,79173.06% 0.02% 99.76%$15,813,391 12,365OLD REPUBLIC GRP15084 13025.44% 0.02% 99.77%$13,267,304 4,268GGC GRP473685 4,263101.59% 0.01% 99.79%$12,524,356 5,127SHELTER INS GRP12386 1,89976.98% 0.01% 99.80%$11,984,019 0DELTA DENTAL OF KS GRP463887 088.22% 0.01% 99.81%$11,592,220 168,389GENERAL ELECTRIC GRP35088 88,29465.87% 0.01% 99.82%$11,435,591 4,583AMERIPRISE FIN GRP489 4,583160.25% 0.01% 99.83%$9,631,121 0CITIZENS SECURITY LIFE INS CO6192190 061.87% 0.01% 99.84%$9,489,722 0AMERICAN FIN SECURITY LIFE INS CO6933791 044.35% 0.01% 99.85%$8,169,512 3,843HEARTLAND NATL LIFE INS CO6621492 3,84384.50% 0.01% 99.86%$8,162,092 6,017PENN MUT GRP85093 6,017228.65% 0.01% 99.87%$8,052,127 365BENEFICIAL LIFE GRP61594 36591.44% 0.01% 99.87%$7,724,552 0TRIPLE S GRP480295 058.72% 0.01% 99.88%$7,110,316 0GULF GUARANTY GRP94896 048.43% 0.01% 99.89%$6,646,850 149,373UNIVERSAL INS CO GRP7197 149,37344.15% 0.01% 99.89%$6,595,828 24,040SOUTHLAND NATL HOLDING GRP482798 12,86758.82% 0.01% 100.00%$6,540,185 15,682KEMPER CORP GRP21599 15,60030.58% 0.01% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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

$5,464,614 26,738UNITED HERITAGE MUT GRP2878100 24,23162.56% 0.01% 100.00%$5,254,306 24,852MEDICAL MUT OF OH GRP730101 24,83943.05% 0.01% 100.00%$5,022,401 23,347TOWN & COUNTRY LIFE INS CO77674102 23768.18% 0.00% 100.00%$4,821,844 3,790NEW ERA LIFE GRP520103 65084.50% 0.00% 100.00%$4,776,039 38,648HEALTHMARKETS GRP264104 24,4476.04% 0.00% 100.00%$4,728,021 55,980MULTINATIONAL GRP4804105 55,980(69.76)% 0.00% 100.00%$4,208,036 6,417AMFIRST HOLDINGS GRP4719106 20641.20% 0.00% 100.00%$3,955,899 19,734AMALGAMATED LIFE INS CO60216107 3668.40% 0.00% 100.00%$3,157,308 7,331ILLINOIS MUT LIFE INS CO64580108 7,33135.31% 0.00% 100.00%$3,007,209 279NATIONAL WESTERN LIFE INS CO66850109 27996.00% 0.00% 100.00%$2,991,060 10,089LIFE INS CO OF AL65412110 5,44466.94% 0.00% 100.00%$2,987,787 6,632MUTUAL OF AMER LIFE INS CO88668111 6,63236.79% 0.00% 100.00%$2,826,424 710AMERCO CORP GRP574112 71072.26% 0.00% 100.00%$2,569,713 0COOPERATIVA DE SEGUROS DE VIDA79715113 020.54% 0.00% 100.00%$2,476,013 1,049AMALGAMATED LIFE & HLTH INS CO60208114 93867.79% 0.00% 100.00%$2,180,464 4,061CINCINNATI FIN GRP244115 4,06152.57% 0.00% 100.00%$2,152,771 620CENTRAL STATES GRP690116 62077.14% 0.00% 100.00%$2,007,767 4,819AUTO OWNERS GRP280117 4,81973.78% 0.00% 100.00%$1,920,282 3,759SOUTHERN FARM BUREAU LIFE INS CO68896118 3,75987.50% 0.00% 100.00%$1,858,154 1,623SENTRY INS GRP169119 1,62352.13% 0.00% 100.00%$1,849,717 5,207COUNTRY INS & FIN SERV GRP50120 5,207(34.29)% 0.00% 100.00%$1,680,364 5,795ATLANTIC AMER GRP587121 5,79514.55% 0.00% 100.00%$1,677,110 0LOUISIANA HLTH SERV GRP438122 057.08% 0.00% 100.00%$1,668,245 1,283GLOBAL ATLANTIC GRP3891123 956196.96% 0.00% 100.00%$1,664,868 12,864HORACE MANN GRP300124 12,27721.86% 0.00% 100.00%$1,482,307 282ROYAL STATE NATL INS CO LTD68551125 458.65% 0.00% 100.00%

$104,160,315,222 292,718,994GRAND TOTAL 112,306,20877.64% 100.00%

© 2019 National Association of Insurance Commissioners 160

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group Market Share for HealthGrand 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

$32,799,499,629 4,556,802UNITEDHEALTH GRP7071 3,175,19481.82% 12.95% 12.95%$25,174,095,712 9,216,370ANTHEM INC GRP6712 5,209,27184.49% 9.94% 22.88%$22,253,489,264 4,557,457HCSC GRP9173 2,493,35683.06% 8.78% 31.67%$14,297,127,454 2,439,832KAISER FOUNDATION GRP6014 1,464,76291.57% 5.64% 37.31%$12,191,064,642 5,731,934HUMANA GRP1195 3,454,61283.80% 4.81% 42.12%

$9,450,555,203 1,529,492BCBS OF MI GRP5726 816,66983.84% 3.73% 45.85%$7,875,910,372 5,575,499HIGHMARK GRP8127 3,018,77885.55% 3.11% 48.96%$7,373,247,573 1,303,949CAREFIRST INC GRP3808 688,76484.55% 2.91% 51.87%$7,126,786,347 1,322,009GUIDEWELL MUT HOLDING GRP5369 790,50984.07% 2.81% 54.68%$6,500,176,620 1,832,883BCBS OF MA GRP363710 944,03484.14% 2.57% 57.25%$5,072,917,210 1,320,176BCBS OF NJ GRP120211 659,34585.47% 2.00% 59.25%$4,520,637,964 2,129,432EMBLEM HLTH GRP112712 1,081,91886.92% 1.78% 61.03%$4,067,235,055 1,176,971CVS GRP113 564,58283.64% 1.61% 62.64%$3,963,881,737 1,004,199CAMBIA HEALTH SOLUTIONS INC120714 564,88380.79% 1.56% 64.20%$3,611,877,727 1,095,134BCBS OF AL GRP57015 574,25588.55% 1.43% 65.63%$3,543,890,127 586,468INDEPENDENCE HLTH GRP INC GRP93616 332,91676.82% 1.40% 67.03%$3,280,494,472 677,012BCBS OF NC GRP75817 407,04981.48% 1.29% 68.32%$3,057,465,301 679,629LIFETIME HLTHCARE GRP118618 373,58384.18% 1.21% 69.53%$2,856,524,917 598,629PREMERA BLUE CROSS GRP96219 338,00183.88% 1.13% 70.66%$2,822,334,585 610,712WELLMARK INC GRP77020 320,13083.21% 1.11% 71.77%$2,817,962,091 1,384,745BCBS OF TN GRP349821 746,47280.45% 1.11% 72.88%$2,497,810,825 1,049,993UPMC HLTH SYSTEM GRP132422 913,76388.38% 0.99% 73.87%$2,464,209,659 374,066HARVARD PILGRIM HLTH CARE GRP59523 204,73880.81% 0.97% 74.84%$2,430,207,069 575,026LOUISIANA HLTH SERV GRP43824 327,59781.29% 0.96% 75.80%$2,301,058,626 1,205,895BCBS OF SC GRP66125 694,96083.04% 0.91% 76.71%$2,237,220,132 440,353HAWAII MEDICAL SERV ASSN4994826 256,90186.10% 0.88% 77.59%$2,140,660,584 400,807BCBS OF MN GRP46127 259,82088.53% 0.84% 78.44%$2,004,455,030 415,096MEDICAL MUT OF OH GRP73028 215,58281.48% 0.79% 79.23%$1,840,335,218 25,026,536VISION SERV PLAN GRP118929 43,24678.77% 0.73% 79.95%$1,816,485,398 356,207SPECTRUM HLTH GRP338330 165,03983.81% 0.72% 80.67%$1,766,800,643 824,271HEALTHPARTNERS GRP125831 402,69384.05% 0.70% 81.37%$1,686,307,697 288,674TUFTS GRP474232 180,23980.08% 0.67% 82.03%$1,624,271,815 459,477BCBS OF KC GRP53733 246,34483.13% 0.64% 82.68%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group Market Share for HealthGrand 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

$1,610,731,761 5,123,550DENTEGRA GRP247934 1,933,11673.68% 0.64% 83.31%$1,579,383,232 299,559HEALTH NOW NY INC5520435 156,46682.80% 0.62% 83.93%$1,511,724,697 216,162MVP GRP119836 129,57485.00% 0.60% 84.53%$1,498,929,137 312,871BCBS OF AZ INC5358937 158,61582.53% 0.59% 85.12%$1,461,934,006 978,444CIGNA HLTH GRP90138 252,67877.51% 0.58% 85.70%$1,418,246,777 4,758,013RENAISSANCE HLTH SERV CORP GRP47739 2,684,47981.71% 0.56% 86.26%$1,352,161,064 191,673HENRY FORD HLTH SYSTEM GRP131140 106,52683.14% 0.53% 86.79%$1,332,660,792 365,986CAPITAL BLUE CROSS GRP123041 131,44586.22% 0.53% 87.32%$1,324,674,058 346,754IHC INC GRP88042 134,82284.40% 0.52% 87.84%$1,323,159,921 223,841BCBS OF NE GRP485843 122,06886.22% 0.52% 88.36%$1,301,515,791 220,575MEDICA GRP155244 122,26487.93% 0.51% 88.88%$1,256,130,080 240,415UNIVERSITY HLTH CARE & GUNDERSEN LUT487045 111,56189.71% 0.50% 89.37%$1,175,408,644 287,770ARKANSAS BCBS GRP87646 164,30284.17% 0.46% 89.84%$1,156,558,084 161,091CDPHP INC GRP470847 89,44683.82% 0.46% 90.29%$1,146,867,882 281,324MISSISSIPPI INS GRP112648 168,29287.31% 0.45% 90.75%

$945,722,140 205,556BCBS OF RI5347349 112,88580.97% 0.37% 91.12%$915,188,789 166,498DEAN HLTH GRP129450 79,32386.13% 0.36% 91.48%$905,024,378 120,696CARLE HOLDING CO GRP119251 62,40186.50% 0.36% 91.84%$889,133,972 189,640BLUE CROSS OF ID GRP129052 92,09987.73% 0.35% 92.19%$885,682,526 160,660PROVIDENCE HLTH GRP478853 95,61489.48% 0.35% 92.54%$747,255,796 120,692INDEPENDENT HLTH ASSN GRP489454 62,08283.85% 0.29% 92.83%$727,418,023 232,108NORIDIAN MUT INS CO5589155 114,17788.02% 0.29% 93.12%$638,163,686 0TRIPLE S GRP480256 082.60% 0.25% 93.37%$621,468,285 139,251PACIFICSOURCE HLTH PLAN GRP470457 120,56282.86% 0.25% 93.62%$551,186,874 604,742MAGELLAN HLTH INC GRP126058 434,75388.19% 0.22% 93.84%$536,281,819 93,201SENTARA HLTH MGMT GRP118359 57,24181.77% 0.21% 94.05%$510,510,030 82,898GEISINGER INS GRP114360 49,42188.21% 0.20% 94.25%$484,736,897 98,443SANFORD HLTH GRP124661 47,63792.96% 0.19% 94.44%$445,483,729 976,143DELTA DENTAL OF WA4734162 4,56384.12% 0.18% 94.62%$421,652,425 64,909SECURITY HLTH PLAN OF WI INC9688163 28,03595.53% 0.17% 94.78%$414,404,253 71,924SCOTT & WHITE GRP60064 41,36080.65% 0.16% 94.95%$400,850,665 59,082PARTNERS HEALTHCARE SYSTEM GRP493465 43,55684.82% 0.16% 95.10%$398,176,516 55,981AVMED INC9526366 35,08283.84% 0.16% 95.26%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group Market Share for HealthGrand 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

$394,271,399 59,060RENOWN HLTH GRP479167 27,18287.81% 0.16% 95.42%$376,017,711 53,338BAYSTATE HLTH GRP475668 29,77580.79% 0.15% 95.57%$369,376,134 60,665BCBS OF VT GRP474569 32,59290.04% 0.15% 95.71%$360,524,459 69,636COMMUNITYCARE GRP348770 41,87584.55% 0.14% 95.85%$350,860,476 41,088FALLON GRP474171 21,01886.85% 0.14% 95.99%$345,827,760 65,142GROUP HLTH COOP OF S CENTRAL WI9531172 33,61592.42% 0.14% 96.13%$330,892,190 61,932UNIVERSITY HLTH ALLIANCE4795373 40,90579.06% 0.13% 96.26%$323,146,571 58,529PRESBYTERIAN HLTHCARE SERV GRP48174 31,07186.69% 0.13% 96.39%$304,426,684 53,591AULTMAN HLTH FOUNDATION GRP480575 31,90589.06% 0.12% 96.51%$296,414,951 54,653WISCONSIN PHYSICIANS SERV INS GRP6876 26,53991.57% 0.12% 96.62%$278,320,602 51,303BCBS OF WY5376777 26,59280.22% 0.11% 96.73%$270,774,596 170,418OREGON DENTAL GRP131378 93,45989.96% 0.11% 96.84%$244,228,707 509,612DENTAQUEST GRP451279 3,35175.31% 0.10% 96.94%$242,049,321 664,393CORVESTA GRP472980 354,96478.94% 0.10% 97.03%$221,292,708 42,288NETWORK HLTH GRP267881 19,89891.58% 0.09% 97.12%$213,630,952 37,446CENTENE CORP GRP129582 24,83686.14% 0.08% 97.20%$211,936,930 541,048DELTA DENTAL OF WI GRP384983 251,36079.76% 0.08% 97.29%$207,921,964 544,461DELTA DENTAL PLAN OF IL GRP11584 279,21378.39% 0.08% 97.37%$206,762,777 42,549HAWAII MGMT ALLIANCE ASSN4833085 29,88986.22% 0.08% 97.45%$194,518,762 32,494PHYSICIANS HLTH PLAN OF MID MI GRP340886 15,88085.42% 0.08% 97.53%$194,430,828 771,505DELTA DENTAL PLAN OF AR INC4715587 557,50179.55% 0.08% 97.60%$190,281,313 615,564DELTA DENTAL PLAN OF MO GRP368088 355,92978.05% 0.08% 97.68%$186,243,032 35,201PREFERREDONE GRP349289 20,89592.48% 0.07% 97.75%$183,750,256 30,481GLOBALHEALTH INC1366790 18,51084.16% 0.07% 97.83%$183,322,773 53,377FIRSTCARE GRP354991 21,173102.00% 0.07% 97.90%$177,769,971 459,905DELTA DENTAL OF RI GRP157192 6,45679.39% 0.07% 97.97%$175,743,535 557,965COLORADO DENTAL SERV INC5587593 6,24280.15% 0.07% 98.04%$174,619,877 34,003PHP INDIANA GRP382894 19,48381.94% 0.07% 98.11%$166,748,884 32,544HEALTH PLAN GRP129795 16,21898.22% 0.07% 98.17%$151,141,015 631,325GUARDIAN LIFE GRP42996 245,95863.30% 0.06% 98.23%$148,323,815 25,393VANGUARD HLTH VENTURES GRP121297 14,18279.63% 0.06% 98.29%$145,923,023 407,175DELTA DENTAL OF MN5503498 8,97170.34% 0.06% 98.35%$144,301,418 378,291DELTA DENTAL OF OK5393799 315,59483.85% 0.06% 98.41%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group Market Share for HealthGrand 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

$143,459,889 27,043SUMMA HLTH GRP3259100 15,38590.39% 0.06% 98.46%$142,690,255 330,934WILLAMETTE DENTAL GRP3503101 152,31491.31% 0.06% 98.52%$137,837,218 0AHF GRP4833102 0101.00% 0.05% 98.57%$137,829,776 13,203HOPKINS HLTH ADVANTAGE INC15700103 1109.62% 0.05% 98.63%$136,981,139 349,052NORTHEAST DELTA DENTAL GRP4763104 161,71978.11% 0.05% 98.68%$135,066,897 35,389CATHOLIC HLTH INITIATIVES GRP4807105 22,82386.13% 0.05% 98.73%$121,274,991 26,929COX INS GRP1203106 16,39789.69% 0.05% 98.78%$114,837,774 26,808TOTAL HLTH GRP1238107 18,38078.68% 0.05% 98.83%$110,585,554 23,000MCLAREN HLTH GRP4700108 10,27592.07% 0.04% 98.87%$109,745,253 20,777HEALTH FIRST GRP4740109 13,21678.43% 0.04% 98.91%$107,056,470 25,022VIVA HLTH INC95322110 12,76879.75% 0.04% 98.96%

$95,418,310 16,092VANTAGE HLTH PLAN INC95584111 8,47084.38% 0.04% 98.99%$95,162,776 22,614AVERA HLTH PLANS INC95839112 12,51694.79% 0.04% 99.03%$91,419,529 17,297TRUE HLTH NM INC16281113 11,62473.75% 0.04% 99.07%$89,659,845 13,236DENVER HLTH MEDICAL PLAN INC95750114 1092.29% 0.04% 99.10%$89,133,022 16,724MEDICAL ASSOCIATES GRP4811115 7,39180.01% 0.04% 99.14%$87,362,046 258,560DELTA DENTAL OF KS GRP4638116 147,35876.96% 0.03% 99.17%$86,675,721 14,768UNIVERSAL HLTH SERV INC GRP4954117 9,42276.20% 0.03% 99.21%$83,884,662 10,787PIEDMONT COMM HLTH GRP4845118 8,43397.12% 0.03% 99.24%$80,139,341 29,522MERCY HLTH CORP GRP3595119 090.66% 0.03% 99.27%$78,287,398 517,157LIBERTY DENTAL PLAN GRP4692120 200113.07% 0.03% 99.30%$75,124,659 47,372UNION HLTH SERV INC52553121 5105.49% 0.03% 99.33%$73,597,833 610,742DELTA DENTAL PLAN OF AZ GRP3658122 303,49475.70% 0.03% 99.36%$72,501,595 150,377TAKECARE INS CO INC11093123 24,57387.47% 0.03% 99.39%$69,050,453 223,055DENTAL CARE PLUS INC96265124 111,50674.44% 0.03% 99.42%$59,539,522 8,133MEMORIAL HERMANN GRP4808125 77378.72% 0.02% 99.44%

$253,361,054,053 114,871,884GRAND TOTAL 44,846,51684.10% 100.00%

© 2019 National Association of Insurance Commissioners 164

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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

$618,628,856 0CHUBB LTD GRP6261 042.69% 19.98% 19.98%$521,363,664 624AMERICAN INTL GRP122 27,73147.86% 16.84% 36.81%$287,541,070 157,405STATE FARM GRP1763 61,547100.68% 9.29% 46.10%$186,796,731 172,134CNA INS GRP2184 172,13486.41% 6.03% 52.13%$171,077,370 6,145,836ZURICH INS GRP2125 5,104,63333.16% 5.52% 57.66%$168,531,579 42,041,195TOKIO MARINE HOLDINGS INC GRP30986 23,53085.36% 5.44% 63.10%$150,659,414 202,972BERKSHIRE HATHAWAY GRP317 21,18978.68% 4.87% 67.97%$127,088,028 3,529,279AXIS CAPITAL GRP34168 13,53837.93% 4.10% 72.07%$105,588,993 7,005,644FAIRFAX FIN GRP1589 52,39753.84% 3.41% 75.48%

$95,687,035 559,646BCS INS GRP2310 247,79042.89% 3.09% 78.57%$73,740,432 47,822GENEVE HOLDINGS INC GRP45011 35,69516.06% 2.38% 80.95%$59,714,845 48,651,896AMEX ASSUR CO2792812 32,857,2774.49% 1.93% 82.88%$57,117,723 0INTACT FINANCIAL GRP490413 029.52% 1.84% 84.72%$53,391,336 14,163CHEROKEE INS CO1064214 14265.81% 1.72% 86.45%$51,845,695 38,156AMERICAN FINANCIAL GRP8415 1,56435.52% 1.67% 88.12%$42,425,390 63,875NATIONAL GEN GRP492816 42,94342.59% 1.37% 89.49%$35,917,199 49,925ALLEGHANY GRP50117 35978.32% 1.16% 90.65%$34,327,448 688,219ARCH INS GRP127918 251,39156.43% 1.11% 91.76%$34,297,646 14,282ISLAND HOME INS CO3165819 77571.08% 1.11% 92.87%$31,539,002 0EVEREST REINS HOLDINGS GRP112020 078.48% 1.02% 93.89%$26,766,631 1,514,964AXA INS GRP96821 46257.29% 0.86% 94.75%$24,654,936 7,000NATIONWIDE CORP GRP14022 6,99943.41% 0.80% 95.55%$23,454,385 0PROTECTIVE INS CORP GRP86723 051.48% 0.76% 96.31%$23,452,762 1,461,398STARR GRP467024 4,93685.16% 0.76% 97.06%$22,994,200 157,182CHINA MINSHENG GRP486325 156,85079.13% 0.74% 97.81%$18,101,640 2,330,090MARKEL CORP GRP78526 18,18721.55% 0.58% 98.39%$11,946,282 710,651AEGIS GRP31327 4,34142.34% 0.39% 98.78%$11,673,916 375,301ALLIANZ INS GRP76128 223,22284.65% 0.38% 99.15%$10,044,854 29,817BEAZLEY INS CO INC3754029 18,64154.87% 0.32% 99.48%

$4,141,131 29,083SENTRY INS GRP16930 29,083176.24% 0.13% 99.61%$3,621,816 0TENNESSEE FARMERS GRP69431 1,582,63411.87% 0.12% 99.73%$1,671,761 0FEDERATED MUT GRP732 0(394.10)% 0.05% 99.78%$1,082,776 6,753LIBERTY MUT GRP11133 3880.74% 0.03% 99.82%

© 2019 National Association of Insurance Commissioners 165

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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

$1,008,305 0INTEGRAND ASSUR CO2677834 038.89% 0.03% 99.85%$944,529 3,422HARTFORD FIRE & CAS GRP9135 3,42265.26% 0.03% 99.88%$763,737 894,647TEXAS FARM BUREAU MUT GRP80936 466,10941.10% 0.02% 100.00%$487,845 0UNDERWRITERS AT LLOYDS LONDON1564237 00.00% 0.02% 100.00%$485,484 0MUNICH RE GRP36138 0(109.16)% 0.02% 100.00%$466,801 1,187RETAILERS INS CO1247139 19885.41% 0.02% 100.00%$464,730 0ASPEN INS HOLDING GRP469840 2059.67% 0.02% 100.00%$221,598 11,487FIRST NET INS CO1097241 1654.90% 0.01% 100.00%$214,180 2,021ASSURANT INC GRP1942 2,0210.51% 0.01% 100.00%$147,180 0UNITED INS HOLDINGS GRP483043 021.84% 0.00% 100.00%$131,458 788FARMERS INS GRP6944 21(1.79)% 0.00% 100.00%$106,917 93AEGON US HOLDING GRP46845 9021.59% 0.00% 100.00%$100,391 1,153KERNAN GRP338446 2178.65% 0.00% 100.00%

$54,269 0MICHIGAN FARM BUREAU GRP6747 1100.33% 0.00% 100.00%$42,167 0OKLAHOMA FARM BUREAU GRP22048 0100.58% 0.00% 100.00%$21,112 0AMERICAN FAMILY INS GRP47349 00.00% 0.00% 100.00%$7,800 0GREAT PLAINS CAS INC1298250 60.00% 0.00% 100.00%$7,455 12DAILY UNDERWRITERS OF AMER3548351 12134.14% 0.00% 100.00%$3,064 1THE HANOVER INS GRP8852 119.75% 0.00% 100.00%

$405 0UNDERWRITERS AT LLOYDS3272753 0(29,738.77)% 0.00% 100.00%

$3,096,565,973 116,920,128GRAND TOTAL 41,432,10155.96% 100.00%

© 2019 National Association of Insurance Commissioners 166

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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%

© 2019 National Association of Insurance Commissioners 167

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© 2019 National Association of Insurance Commissioners 168

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Market Share by Line of Business Group Business

© 2019 National Association of Insurance Commissioners 169

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© 2019 National Association of Insurance Commissioners 170

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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

$16,130,705,196 2,621,514UNITEDHEALTH GRP7071 1,517,58076.82% 25.23% 25.23%$7,053,009,315 1,168,809HCSC GRP9172 673,61475.92% 11.03% 36.26%$4,605,112,401 710,537ANTHEM INC GRP6713 401,15477.19% 7.20% 43.47%$2,203,202,450 553,071HUMANA GRP1194 331,31780.22% 3.45% 46.91%$1,750,627,752 501,247CVS GRP15 280,15774.31% 2.74% 49.65%$1,704,719,646 309,682CAREFIRST INC GRP3806 171,92376.36% 2.67% 52.32%$1,501,889,857 301,953BCBS OF MI GRP5727 149,87178.46% 2.35% 54.67%$1,404,303,447 213,336BCBS OF NJ GRP12028 120,43180.18% 2.20% 56.86%$1,373,606,799 214,836INDEPENDENCE HLTH GRP INC GRP9369 122,10673.38% 2.15% 59.01%$1,349,047,726 230,702BCBS OF MA GRP363710 114,44182.41% 2.11% 61.12%$1,189,760,215 188,146GUIDEWELL MUT HOLDING GRP53611 115,03874.96% 1.86% 62.98%$1,093,782,072 209,062BCBS OF AL GRP57012 114,51282.60% 1.71% 64.70%$1,068,256,805 202,153CAMBIA HEALTH SOLUTIONS INC120713 118,61476.19% 1.67% 66.37%$1,018,695,959 230,900KAISER FOUNDATION GRP60114 154,19993.27% 1.59% 67.96%$1,002,474,703 167,281HIGHMARK GRP81215 92,49179.24% 1.57% 69.53%

$983,830,423 178,171LIFETIME HLTHCARE GRP118616 100,30484.86% 1.54% 71.07%$960,184,235 178,141WELLMARK INC GRP77017 93,11978.45% 1.50% 72.57%$848,139,706 225,297LOUISIANA HLTH SERV GRP43818 132,45176.51% 1.33% 73.90%$823,824,624 138,982BCBS OF NC GRP75819 88,22076.73% 1.29% 75.18%$766,815,869 113,885HARVARD PILGRIM HLTH CARE GRP59520 62,62081.49% 1.20% 76.38%$656,722,932 121,017HEALTHPARTNERS GRP125821 66,39983.54% 1.03% 77.41%$606,520,549 134,541BCBS OF TN GRP349822 76,31776.89% 0.95% 78.36%$576,937,870 86,715BCBS OF MN GRP46123 49,19881.85% 0.90% 79.26%$532,660,569 81,741MVP GRP119824 45,72084.49% 0.83% 80.10%$524,581,974 105,651BCBS OF SC GRP66125 67,00076.40% 0.82% 80.92%$524,543,839 99,887TUFTS GRP474226 59,58178.48% 0.82% 81.74%$490,382,281 125,587IHC INC GRP88027 51,17983.88% 0.77% 82.50%$458,668,939 88,914BCBS OF KS GRP43028 46,65789.04% 0.72% 83.22%$439,958,181 58,714PREMERA BLUE CROSS GRP96229 37,30378.20% 0.69% 83.91%$437,749,986 77,740HEALTH NOW NY INC5520430 42,79289.15% 0.68% 84.59%$406,412,966 82,078SPECTRUM HLTH GRP338331 38,50976.35% 0.64% 85.23%$381,145,543 63,685MEDICAL MUT OF OH GRP73032 34,09278.01% 0.60% 85.83%$364,419,566 66,079PROVIDENCE HLTH GRP478833 41,12984.32% 0.57% 86.40%$357,037,388 49,940CAPITAL BLUE CROSS GRP123034 29,97982.19% 0.56% 86.95%$348,946,991 77,838MISSISSIPPI INS GRP112635 48,66985.46% 0.55% 87.50%$345,760,797 72,430MEDICA GRP155236 41,50387.56% 0.54% 88.04%$343,702,633 36,984CENTENE CORP GRP129537 12,16683.60% 0.54% 88.58%

© 2019 National Association of Insurance Commissioners 171

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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

$340,765,460 54,688NORIDIAN MUT INS CO5589138 28,08387.57% 0.53% 89.11%$298,523,130 55,084EMBLEM HLTH GRP112739 32,61676.45% 0.47% 89.58%$282,985,267 42,681BCBS OF RI5347340 23,31977.00% 0.44% 90.02%$270,799,403 115,404MEDICAL CARD SYSTEM INC GRP130141 52,98386.09% 0.42% 90.44%$258,111,226 51,090BCBS OF AZ INC5358942 28,64372.32% 0.40% 90.85%$253,201,099 50,521ARKANSAS BCBS GRP87643 30,12482.42% 0.40% 91.24%$246,330,449 42,353SENTARA HLTH MGMT GRP118344 26,59178.26% 0.39% 91.63%$245,555,055 42,824BCBS OF KC GRP53745 24,77688.40% 0.38% 92.01%$229,926,506 39,921PARTNERS HEALTHCARE SYSTEM GRP493446 21,64683.98% 0.36% 92.37%$225,093,411 28,177AVMED INC9526347 18,84380.14% 0.35% 92.73%$221,676,030 36,716INDEPENDENT HLTH ASSN GRP489448 20,05285.64% 0.35% 93.07%$198,414,873 36,346BCBS OF NE GRP485849 22,13382.04% 0.31% 93.38%$194,831,752 30,227BCBS OF VT GRP474550 16,98788.88% 0.30% 93.69%$189,542,458 29,950CDPHP INC GRP470851 17,79677.53% 0.30% 93.98%$179,207,698 34,602AULTMAN HLTH FOUNDATION GRP480552 19,96885.11% 0.28% 94.26%$178,275,591 28,665GEISINGER INS GRP114353 17,63990.37% 0.28% 94.54%$176,821,924 41,962BLUE CROSS OF ID GRP129054 22,99084.32% 0.28% 94.82%$175,203,897 33,794HENRY FORD HLTH SYSTEM GRP131155 17,26477.70% 0.27% 95.09%$161,018,913 30,183UNIVERSITY HLTH CARE & GUNDERSEN LUT487056 15,97482.93% 0.25% 95.35%$159,911,285 37,045PACIFICSOURCE HLTH PLAN GRP470457 22,95279.49% 0.25% 95.60%$153,154,331 45,516TOKIO MARINE HOLDINGS INC GRP309858 52688.75% 0.24% 95.84%$133,997,443 27,950COMMUNITYCARE GRP348759 16,82490.53% 0.21% 96.05%$116,362,478 20,226BAYSTATE HLTH GRP475660 11,60068.97% 0.18% 96.23%$109,125,924 19,191PRESBYTERIAN HLTHCARE SERV GRP48161 11,80581.65% 0.17% 96.40%$103,525,304 15,859BCBS OF WY5376762 9,17173.09% 0.16% 96.56%$100,496,778 23,049UNIVERSITY HLTH ALLIANCE4795363 16,02781.45% 0.16% 96.72%

$99,871,666 16,266PREFERREDONE GRP349264 9,40295.91% 0.16% 96.87%$94,753,368 15,488WISCONSIN PHYSICIANS SERV INS GRP6865 8,22887.65% 0.15% 97.02%$90,362,728 14,633SCOTT & WHITE GRP60066 8,98368.15% 0.14% 97.16%$88,364,808 16,865PHP INDIANA GRP382867 9,83581.72% 0.14% 97.30%$83,095,266 0TRIPLE S GRP480268 073.26% 0.13% 97.43%$78,022,052 13,057SUMMA HLTH GRP325969 7,19282.54% 0.12% 97.55%$74,996,286 10,197FALLON GRP474170 5,81783.53% 0.12% 97.67%$74,011,893 13,577DEAN HLTH GRP129471 7,61878.92% 0.12% 97.79%$69,417,662 27,151MAPFRE INS GRP41172 27,15187.92% 0.11% 97.89%$69,075,996 12,216SECURITY HLTH PLAN OF WI INC9688173 6,09389.06% 0.11% 98.00%$68,616,188 11,299CARLE HOLDING CO GRP119274 7,08282.29% 0.11% 98.11%

© 2019 National Association of Insurance Commissioners 172

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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

$67,415,777 13,189HAWAII MGMT ALLIANCE ASSN4833075 9,64980.90% 0.11% 98.22%$61,058,834 12,353RENOWN HLTH GRP479176 1,25773.26% 0.10% 98.31%$57,764,105 10,317TRUE HLTH NM INC1628177 6,83272.81% 0.09% 98.40%$55,726,041 15,254CATHOLIC HLTH INITIATIVES GRP480778 9,54779.01% 0.09% 98.49%$53,537,711 10,489HEALTH FIRST GRP474079 6,90075.76% 0.08% 98.57%$48,418,171 7,100VANGUARD HLTH VENTURES GRP121280 3,87279.42% 0.08% 98.65%$48,362,326 6,503FIRSTCARE GRP354981 4,25893.77% 0.08% 98.72%$47,300,670 10,368MULBERRY HLTH GRP481882 9,37669.49% 0.07% 98.80%$42,160,231 8,734NETWORK HLTH GRP267883 7,32386.81% 0.07% 98.86%$39,049,571 7,479SANFORD HLTH GRP124684 4,62586.28% 0.06% 98.92%$37,849,262 8,706MAINE COMM HLTH OPTIONS1507785 5,58599.91% 0.06% 98.98%$37,823,607 5,741OREGON DENTAL GRP131386 3,56081.23% 0.06% 99.04%$36,522,717 8,868AVERA HLTH PLANS INC9583987 4,83692.12% 0.06% 99.10%$33,671,398 8,460HEALTHFIRST INC GRP477888 7,63284.97% 0.05% 99.15%$33,280,116 5,492GROUP HLTH COOP OF S CENTRAL WI9531189 3,22878.76% 0.05% 99.20%$32,407,165 0NORTH SHORE LIJ HLTH CARE GRP479390 0109.36% 0.05% 99.26%$31,787,028 4,122UNIVERSAL HLTH SERV INC GRP495491 2,69667.01% 0.05% 99.31%$28,860,187 5,655PHYSICIANS HLTH PLAN OF MID MI GRP340892 3,53377.19% 0.05% 99.35%$26,799,177 5,866TOTAL HLTH GRP123893 3,83275.36% 0.04% 99.39%$26,613,845 2,345MEMORIAL HERMANN GRP480894 52680.41% 0.04% 99.43%$25,072,534 3,385HEALTH PLAN GRP129795 2,09689.55% 0.04% 99.47%$24,644,592 4,478COX INS GRP120396 2,97787.89% 0.04% 99.51%$22,803,567 4,540ALLIANT HLTH PLANS INC1125697 2,92783.65% 0.04% 99.55%$21,035,814 3,367SOUTHEASTERN IN HLTH ORG INC9581298 2,11082.11% 0.03% 99.58%$20,171,689 2,827SOUTH DAKOTA STATE MED HOLDING CO9659899 23358.16% 0.03% 99.61%$19,412,210 2,377FRIDAY HLTH PLANS OF CO INC95774100 1,51978.42% 0.03% 99.64%$18,842,341 3,372MEDICAL ASSOCIATES GRP4811101 1,53475.65% 0.03% 99.67%$17,939,615 6,332NETCARE LIFE & HLTH INS CO60246102 19987.61% 0.03% 99.70%$15,949,599 3,122US HLTH & LIFE INS CO INC97772103 24579.30% 0.02% 99.72%$15,772,673 3,379CRYSTAL RUN HLTH GRP4847104 2,208110.89% 0.02% 99.75%$14,863,421 6,163ISLAND HOME INS CO31658105 55564.04% 0.02% 99.77%$12,463,907 1,728FIRSTCAROLINACARE INS CO INC12962106 1,17284.95% 0.02% 99.79%$10,564,395 1,350MERCY HLTH CORP GRP3595107 052.50% 0.02% 99.81%$10,123,633 1,615NATIONAL GEN GRP4928108 80388.37% 0.02% 99.82%$9,976,155 1,687WMI MUT INS CO68420109 89379.86% 0.02% 99.84%$9,617,851 1,840BCS INS GRP23110 1,39261.78% 0.02% 99.86%$9,063,568 1,463GROUP HLTH COOP OF EAU CLAIRE95192111 775109.40% 0.01% 99.87%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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

$8,935,328 1,968MCLAREN HLTH GRP4700112 1,094113.78% 0.01% 99.88%$8,872,509 1,030WEA GRP4939113 50988.32% 0.01% 99.90%$8,689,144 15,494TAKECARE INS CO INC11093114 2,47572.35% 0.01% 100.00%$7,899,117 1,069VANTAGE HLTH PLAN INC95584115 65582.17% 0.01% 100.00%$7,102,545 1,447CIGNA HLTH GRP901116 12869.18% 0.01% 100.00%$7,068,386 1,645ELAN INS USVI INC16074117 16566.96% 0.01% 100.00%$5,638,069 946VIVA HLTH INC95322118 58966.79% 0.01% 100.00%$5,514,882 1,498INDIANA UNIVERSITY HLTH GRP4637119 90980.10% 0.01% 100.00%$5,115,826 726COMMON GROUND HLTHCARE COOP15061120 416105.39% 0.01% 100.00%$4,359,863 1,173NEIGHBORHOOD HLTH PLAN OF RI INC95402121 1,17363.03% 0.01% 100.00%$2,819,657 525MONTANA HLTH COOPERATIVE14933122 356110.47% 0.00% 100.00%$2,684,313 1,422PAN AMER LIFE GRP525123 76173.90% 0.00% 100.00%$2,303,784 352NEW MEXICO HLTH CONNECTIONS15011124 352105.24% 0.00% 100.00%$1,756,262 817PIEDMONT COMM HLTH GRP4845125 538204.69% 0.00% 100.00%

$63,929,867,425 11,507,932GRAND TOTAL 6,526,05978.74% 100.00%

© 2019 National Association of Insurance Commissioners 174

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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

$22,554,887,249 4,647,335UNITEDHEALTH GRP7071 2,567,74681.78% 17.23% 17.23%$13,587,086,072 2,619,282CVS GRP12 1,449,88683.68% 10.38% 27.61%

$9,305,143,881 2,391,899CIGNA HLTH GRP9013 47,66082.52% 7.11% 34.72%$8,683,886,398 1,702,334HCSC GRP9174 906,81185.17% 6.63% 41.36%$8,553,959,038 1,540,948ANTHEM INC GRP6715 870,37581.03% 6.54% 47.89%$8,247,254,010 1,530,359KAISER FOUNDATION GRP6016 842,15389.67% 6.30% 54.19%$4,457,824,229 868,137BCBS OF MI GRP5727 393,59581.07% 3.41% 57.60%$3,676,930,196 582,964BCBS OF MA GRP36378 274,46083.67% 2.81% 60.41%$3,136,561,033 682,561GUIDEWELL MUT HOLDING GRP5369 430,24480.38% 2.40% 62.81%$2,671,284,365 351,332BCBS OF NJ GRP120210 166,44286.63% 2.04% 64.85%$2,545,415,017 395,503HIGHMARK GRP81211 216,01683.03% 1.94% 66.79%$2,309,283,122 650,165HUMANA GRP11912 395,32483.94% 1.76% 68.56%$1,730,604,680 268,389INDEPENDENCE HLTH GRP INC GRP93613 143,04376.37% 1.32% 69.88%$1,639,593,760 245,829HARVARD PILGRIM HLTH CARE GRP59514 127,87780.62% 1.25% 71.13%$1,611,025,453 362,900BCBS OF AL GRP57015 191,89490.29% 1.23% 72.36%$1,521,558,583 256,847CAREFIRST INC GRP38016 143,43174.86% 1.16% 73.52%$1,436,931,250 249,705LIFETIME HLTHCARE GRP118617 130,37184.18% 1.10% 74.62%$1,335,884,817 245,004CAMBIA HEALTH SOLUTIONS INC120718 137,99575.78% 1.02% 75.64%$1,302,713,503 288,975BCBS OF TN GRP349819 163,91676.89% 1.00% 76.64%$1,191,121,744 250,537SPECTRUM HLTH GRP338320 112,09785.44% 0.91% 77.55%$1,140,099,235 223,070PREMERA BLUE CROSS GRP96221 126,01280.57% 0.87% 78.42%$1,095,111,167 210,232UNIVERSITY HLTH CARE & GUNDERSEN LUT487022 95,58790.71% 0.84% 79.25%$1,067,071,842 199,533WELLMARK INC GRP77023 107,10082.98% 0.82% 80.07%$1,044,912,027 188,513HEALTH NOW NY INC5520424 97,23080.28% 0.80% 80.87%$1,044,611,350 248,391BCBS OF SC GRP66125 152,64782.40% 0.80% 81.67%

$987,232,600 323,548BCBS OF KC GRP53726 173,33378.42% 0.75% 82.42%$979,398,673 366,589HEALTHPARTNERS GRP125827 174,99583.33% 0.75% 83.17%$948,445,957 101,444LOUISIANA HLTH SERV GRP43828 57,87482.25% 0.72% 83.89%$915,644,720 138,210TUFTS GRP474229 70,08179.13% 0.70% 84.59%$857,916,850 148,145MEDICA GRP155230 80,76187.61% 0.66% 85.25%$830,422,591 149,430BCBS OF MN GRP46131 83,40190.20% 0.63% 85.88%$813,675,304 105,829CARLE HOLDING CO GRP119232 53,07586.92% 0.62% 86.50%$812,465,946 149,564DEAN HLTH GRP129433 69,85586.53% 0.62% 87.13%$749,849,834 178,758IHC INC GRP88034 68,53983.84% 0.57% 87.70%$708,536,299 113,467HENRY FORD HLTH SYSTEM GRP131135 51,53282.58% 0.54% 88.24%$689,615,712 105,570CDPHP INC GRP470836 50,40284.45% 0.53% 88.77%$617,233,377 142,284ARKANSAS BCBS GRP87637 80,33884.20% 0.47% 89.24%

© 2019 National Association of Insurance Commissioners 175

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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

$590,011,329 124,637BCBS OF AZ INC5358938 73,13380.90% 0.45% 89.69%$544,039,128 95,941MEDICAL MUT OF OH GRP73039 48,92883.45% 0.42% 90.10%$520,490,206 80,929MVP GRP119840 41,67280.62% 0.40% 90.50%$518,840,247 92,353BCBS OF KS GRP43041 53,42494.02% 0.40% 90.90%$495,482,516 71,137EMBLEM HLTH GRP112742 35,78383.03% 0.38% 91.28%$493,167,997 103,095BLUE CROSS OF ID GRP129043 48,44887.73% 0.38% 91.65%$467,708,399 82,785PROVIDENCE HLTH GRP478844 49,21295.13% 0.36% 92.01%$450,217,988 74,427INDEPENDENT HLTH ASSN GRP489445 35,85381.30% 0.34% 92.36%$445,145,356 109,632MISSISSIPPI INS GRP112646 71,56185.35% 0.34% 92.70%$441,049,355 88,384SANFORD HLTH GRP124647 40,43293.04% 0.34% 93.03%$421,974,459 72,974BCBS OF RI5347348 36,83074.49% 0.32% 93.36%$408,116,032 94,383CAPITAL BLUE CROSS GRP123049 53,69190.03% 0.31% 93.67%$394,306,987 0TRIPLE S GRP480250 081.60% 0.30% 93.97%$356,500,402 72,613PACIFICSOURCE HLTH PLAN GRP470451 46,06184.66% 0.27% 94.24%$352,576,429 52,693SECURITY HLTH PLAN OF WI INC9688152 21,94296.80% 0.27% 94.51%$325,211,318 53,240GEISINGER INS GRP114353 31,19086.96% 0.25% 94.76%$322,769,468 49,314CENTENE CORP GRP129554 19,76092.91% 0.25% 95.00%$313,744,785 55,807SCOTT & WHITE GRP60055 31,70084.77% 0.24% 95.24%$285,251,702 43,461STATE FARM GRP17656 15,623100.80% 0.22% 95.46%$282,419,951 55,838GROUP HLTH COOP OF S CENTRAL WI9531157 28,13792.32% 0.22% 95.68%$275,864,190 30,891FALLON GRP474158 15,20187.75% 0.21% 95.89%$270,493,996 47,721SENTARA HLTH MGMT GRP118359 29,10085.06% 0.21% 96.10%$262,198,308 47,147BCBS OF NE GRP485860 34,18278.73% 0.20% 96.30%$259,655,233 33,112BAYSTATE HLTH GRP475661 18,17586.09% 0.20% 96.49%$234,327,681 56,345NORIDIAN MUT INS CO5589162 28,59787.82% 0.18% 96.67%$226,527,016 41,686COMMUNITYCARE GRP348763 25,05181.02% 0.17% 96.85%$179,132,477 33,554NETWORK HLTH GRP267864 12,57592.70% 0.14% 96.98%$172,327,640 28,150GLOBALHEALTH INC1366765 17,43684.16% 0.13% 97.12%$170,924,159 19,161PARTNERS HEALTHCARE SYSTEM GRP493466 21,91085.96% 0.13% 97.25%$165,658,574 26,839PHYSICIANS HLTH PLAN OF MID MI GRP340867 12,34786.86% 0.13% 97.37%$164,901,088 27,501NIPPON LIFE INS CO OF AMER8126468 14,71691.78% 0.13% 97.50%$163,274,516 38,883UNIVERSITY HLTH ALLIANCE4795369 24,87885.80% 0.12% 97.62%$162,774,993 24,705WISCONSIN PHYSICIANS SERV INS GRP6870 11,67489.59% 0.12% 97.75%$156,656,889 25,405AVMED INC9526371 14,94288.65% 0.12% 97.87%$150,286,625 20,897RENOWN HLTH GRP479172 11580.93% 0.11% 97.98%$141,676,350 29,159HEALTH PLAN GRP129773 14,12299.76% 0.11% 98.09%$134,219,527 46,874FIRSTCARE GRP354974 16,915104.67% 0.10% 98.19%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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

$131,999,000 29,300HAWAII MGMT ALLIANCE ASSN4833075 20,20091.24% 0.10% 98.29%$126,417,453 33,412PRESBYTERIAN HLTHCARE SERV GRP48176 7,52787.41% 0.10% 98.39%$101,650,225 21,032MCLAREN HLTH GRP470077 9,18190.16% 0.08% 98.47%$101,418,401 24,076VIVA HLTH INC9532278 12,17980.47% 0.08% 98.55%

$96,630,399 22,451COX INS GRP120379 13,42090.15% 0.07% 98.62%$89,659,845 13,236DENVER HLTH MEDICAL PLAN INC9575080 1092.29% 0.07% 98.69%$88,038,597 20,942TOTAL HLTH GRP123881 14,54879.69% 0.07% 98.75%$87,519,193 15,023VANTAGE HLTH PLAN INC9558482 7,81584.57% 0.07% 98.82%$87,338,224 15,307BCBS OF VT GRP474583 8,01990.84% 0.07% 98.89%$86,371,366 18,935PREFERREDONE GRP349284 11,49388.52% 0.07% 98.95%$86,255,069 17,138PHP INDIANA GRP382885 9,64882.17% 0.07% 99.02%$84,981,325 16,940VANGUARD HLTH VENTURES GRP121286 8,95779.38% 0.06% 99.09%$75,281,746 19,555CATHOLIC HLTH INITIATIVES GRP480787 13,01792.58% 0.06% 99.14%$70,290,681 13,352MEDICAL ASSOCIATES GRP481188 5,85781.18% 0.05% 99.20%$64,983,355 13,212SUMMA HLTH GRP325989 7,41999.70% 0.05% 99.25%$63,812,451 134,883TAKECARE INS CO INC1109390 22,09889.53% 0.05% 99.29%$59,202,887 10,167BCBS OF WY5376791 4,57681.95% 0.05% 99.34%$58,640,059 13,746AVERA HLTH PLANS INC9583992 7,68096.44% 0.04% 99.38%$54,888,692 10,646UNIVERSAL HLTH SERV INC GRP495493 6,72681.52% 0.04% 99.43%$42,079,252 14,725FIRSTCAROLINACARE INS CO INC1296294 8,82890.45% 0.03% 99.46%$40,967,000 8,884MERCY HLTH CORP GRP359595 096.66% 0.03% 99.49%$37,190,588 5,626BLUE SHIELD OF CA GRP279896 3,70283.21% 0.03% 99.52%$35,657,756 32,409ALLEGHANY GRP50197 23178.77% 0.03% 99.55%$35,542,504 7,043ALLIANT HLTH PLANS INC1125698 4,44492.93% 0.03% 99.57%$34,989,344 4,825GROUP HLTH COOP OF EAU CLAIRE9519299 2,024101.70% 0.03% 99.60%$34,959,543 6,195INDIANA UNIVERSITY HLTH GRP4637100 3,48585.03% 0.03% 99.63%$33,655,424 6,980TRUE HLTH NM INC16281101 4,79275.36% 0.03% 99.65%$32,925,677 5,788MEMORIAL HERMANN GRP4808102 24777.36% 0.03% 99.68%$31,055,045 9,468UNIVERSITY OF UT HLTH PLANS15648103 3183.06% 0.02% 99.70%$28,302,384 6,241ASSURITY GRP4862104 2,86673.65% 0.02% 99.72%$27,805,719 5,616SAMARITAN HLTH PLANS INC12257105 152103.63% 0.02% 99.74%$27,125,944 4,886PIEDMONT COMM HLTH GRP4845106 2,81187.25% 0.02% 99.76%$26,465,691 4,898NATIONAL GEN GRP4928107 2,49192.30% 0.02% 99.78%$25,860,248 7,253HEALTHPARTNERS UNITYPOINT HLTH INC15888108 3,450107.63% 0.02% 99.80%$25,643,189 6,233HARRIS HLTH GRP4892109 3,04479.32% 0.02% 99.82%$22,052,543 4,201COMMUNITY FIRST GRP2738110 2,21390.88% 0.02% 99.84%$20,811,451 5,122EDUCATORS MUT GRP126111 1588.96% 0.02% 99.86%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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

$20,251,406 6,123METROPOLITAN GRP241112 7667.85% 0.02% 99.87%$18,651,622 3,059SOUTH DAKOTA STATE MED HOLDING CO96598113 3466.11% 0.01% 99.89%$17,101,864 2,813WEA GRP4939114 1,617104.24% 0.01% 99.90%$15,401,113 7,970ISLAND HOME INS CO31658115 17479.15% 0.01% 100.00%$14,742,877 2,434SOUTHEASTERN IN HLTH ORG INC95812116 1,43988.83% 0.01% 100.00%$13,642,603 0BAPTIST HLTH PLAN INC95071117 077.84% 0.01% 100.00%$12,719,652 7,648PAN AMER LIFE GRP525118 3,75589.43% 0.01% 100.00%$11,648,868 2,446SHELTER INS GRP123119 92576.59% 0.01% 100.00%$8,937,124 0NORTH SHORE LIJ HLTH CARE GRP4793120 051.32% 0.01% 100.00%$8,011,953 0BENEFICIAL LIFE GRP615121 091.95% 0.01% 100.00%$7,311,525 1,358WMI MUT INS CO68420122 73577.68% 0.01% 100.00%$6,845,439 1,593MAINE COMM HLTH OPTIONS15077123 86867.62% 0.01% 100.00%$5,915,240 1,794HSA HLTH INS CO15743124 64984.62% 0.00% 100.00%$5,610,856 849FRIDAY HLTH PLANS OF CO INC95774125 47491.06% 0.00% 100.00%

$130,886,691,518 26,094,272GRAND TOTAL 12,760,34083.54% 100.00%

© 2019 National Association of Insurance Commissioners 178

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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

$38,685,592,445 7,268,849UNITEDHEALTH GRP7071 4,085,32679.71% 19.86% 19.86%$15,736,895,713 2,871,143HCSC GRP9172 1,580,42581.03% 8.08% 27.94%$15,337,713,824 3,120,529CVS GRP13 1,730,04382.61% 7.87% 35.81%$13,159,071,439 2,251,485ANTHEM INC GRP6714 1,271,52979.69% 6.75% 42.56%

$9,312,246,426 2,393,346CIGNA HLTH GRP9015 47,78882.51% 4.78% 47.34%$9,265,949,969 1,761,259KAISER FOUNDATION GRP6016 996,35290.07% 4.76% 52.10%$5,959,714,086 1,170,090BCBS OF MI GRP5727 543,46680.42% 3.06% 55.16%$5,025,977,922 813,666BCBS OF MA GRP36378 388,90183.33% 2.58% 57.74%$4,512,485,572 1,203,236HUMANA GRP1199 726,64182.12% 2.32% 60.05%$4,326,321,248 870,707GUIDEWELL MUT HOLDING GRP53610 545,28278.89% 2.22% 62.27%$4,075,587,812 564,668BCBS OF NJ GRP120211 286,87384.41% 2.09% 64.37%$3,547,889,720 562,784HIGHMARK GRP81212 308,50781.96% 1.82% 66.19%$3,226,278,229 566,529CAREFIRST INC GRP38013 315,35475.65% 1.66% 67.84%$3,104,211,479 483,225INDEPENDENCE HLTH GRP INC GRP93614 265,14975.05% 1.59% 69.44%$2,704,807,525 571,962BCBS OF AL GRP57015 306,40687.18% 1.39% 70.83%$2,420,761,673 427,876LIFETIME HLTHCARE GRP118616 230,67584.46% 1.24% 72.07%$2,406,409,629 359,714HARVARD PILGRIM HLTH CARE GRP59517 190,49780.90% 1.24% 73.30%$2,404,141,622 447,157CAMBIA HEALTH SOLUTIONS INC120718 256,60975.96% 1.23% 74.54%$2,027,256,077 377,674WELLMARK INC GRP77019 200,21980.83% 1.04% 75.58%$1,909,234,052 423,516BCBS OF TN GRP349820 240,23376.89% 0.98% 76.56%$1,796,585,663 326,741LOUISIANA HLTH SERV GRP43821 190,32579.54% 0.92% 77.48%$1,636,121,605 487,606HEALTHPARTNERS GRP125822 241,39483.41% 0.84% 78.32%$1,597,534,710 332,615SPECTRUM HLTH GRP338323 150,60683.13% 0.82% 79.14%$1,580,057,416 281,784PREMERA BLUE CROSS GRP96224 163,31579.91% 0.81% 79.95%$1,569,193,324 354,042BCBS OF SC GRP66125 219,64780.39% 0.81% 80.76%$1,482,662,013 266,253HEALTH NOW NY INC5520426 140,02282.90% 0.76% 81.52%$1,440,188,559 238,097TUFTS GRP474227 129,66278.89% 0.74% 82.26%$1,407,360,461 236,145BCBS OF MN GRP46128 132,59986.78% 0.72% 82.98%$1,256,130,080 240,415UNIVERSITY HLTH CARE & GUNDERSEN LUT487029 111,56189.71% 0.64% 83.62%$1,240,232,115 304,345IHC INC GRP88030 119,71883.85% 0.64% 84.26%$1,232,787,655 366,372BCBS OF KC GRP53731 198,10980.41% 0.63% 84.89%$1,203,677,647 220,575MEDICA GRP155232 122,26487.60% 0.62% 85.51%$1,053,150,775 162,670MVP GRP119833 87,39282.58% 0.54% 86.05%

$977,509,186 181,267BCBS OF KS GRP43034 100,08191.68% 0.50% 86.55%$925,184,671 159,626MEDICAL MUT OF OH GRP73035 83,02081.21% 0.47% 87.03%$886,477,839 163,141DEAN HLTH GRP129436 77,47385.90% 0.46% 87.48%$883,740,196 147,261HENRY FORD HLTH SYSTEM GRP131137 68,79681.61% 0.45% 87.94%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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

$882,291,492 117,128CARLE HOLDING CO GRP119238 60,15786.56% 0.45% 88.39%$879,158,170 135,520CDPHP INC GRP470839 68,19882.96% 0.45% 88.84%$870,434,476 192,805ARKANSAS BCBS GRP87640 110,46283.68% 0.45% 89.29%$848,122,555 175,727BCBS OF AZ INC5358941 101,77678.29% 0.44% 89.72%$832,127,965 148,864PROVIDENCE HLTH GRP478842 90,34190.39% 0.43% 90.15%$823,824,624 138,982BCBS OF NC GRP75843 88,22076.73% 0.42% 90.57%$794,092,347 187,470MISSISSIPPI INS GRP112644 120,23085.40% 0.41% 90.98%$794,005,646 126,221EMBLEM HLTH GRP112745 68,39980.56% 0.41% 91.39%$765,153,420 144,323CAPITAL BLUE CROSS GRP123046 83,67086.37% 0.39% 91.78%$704,959,726 115,655BCBS OF RI5347347 60,14975.50% 0.36% 92.14%$671,894,018 111,143INDEPENDENT HLTH ASSN GRP489448 55,90582.73% 0.34% 92.49%$669,989,921 145,057BLUE CROSS OF ID GRP129049 71,43886.83% 0.34% 92.83%$666,472,101 86,298CENTENE CORP GRP129550 31,92688.11% 0.34% 93.17%$575,093,141 111,033NORIDIAN MUT INS CO5589151 56,68087.67% 0.30% 93.47%$516,824,445 90,074SENTARA HLTH MGMT GRP118352 55,69181.82% 0.27% 93.74%$516,411,687 109,658PACIFICSOURCE HLTH PLAN GRP470453 69,01383.06% 0.27% 94.00%$503,486,909 81,905GEISINGER INS GRP114354 48,82988.17% 0.26% 94.26%$480,098,926 95,863SANFORD HLTH GRP124655 45,05792.49% 0.25% 94.51%$477,402,253 0TRIPLE S GRP480256 080.15% 0.25% 94.75%$460,613,181 83,493BCBS OF NE GRP485857 56,31580.15% 0.24% 94.99%$421,652,425 64,909SECURITY HLTH PLAN OF WI INC9688158 28,03595.53% 0.22% 95.20%$404,107,513 70,440SCOTT & WHITE GRP60059 40,68381.05% 0.21% 95.41%$400,850,665 59,082PARTNERS HEALTHCARE SYSTEM GRP493460 43,55684.82% 0.21% 95.62%$381,750,300 53,582AVMED INC9526361 33,78583.63% 0.20% 95.81%$376,017,711 53,338BAYSTATE HLTH GRP475662 29,77580.79% 0.19% 96.01%$360,524,459 69,636COMMUNITYCARE GRP348763 41,87584.55% 0.19% 96.19%$350,860,476 41,088FALLON GRP474164 21,01886.85% 0.18% 96.37%$315,700,067 61,330GROUP HLTH COOP OF S CENTRAL WI9531165 31,36590.89% 0.16% 96.53%$285,251,702 43,461STATE FARM GRP17666 15,623100.80% 0.15% 96.68%$282,169,976 45,534BCBS OF VT GRP474567 25,00689.49% 0.14% 96.82%$270,799,403 115,404MEDICAL CARD SYSTEM INC GRP130168 52,98386.09% 0.14% 96.96%$263,771,294 61,932UNIVERSITY HLTH ALLIANCE4795369 40,90584.14% 0.14% 97.10%$257,528,361 40,193WISCONSIN PHYSICIANS SERV INS GRP6870 19,90288.88% 0.13% 97.23%$235,543,377 52,603PRESBYTERIAN HLTHCARE SERV GRP48171 19,33284.74% 0.12% 97.35%$221,292,708 42,288NETWORK HLTH GRP267872 19,89891.58% 0.11% 97.46%$211,345,459 33,250RENOWN HLTH GRP479173 1,37278.71% 0.11% 97.57%$199,414,777 42,489HAWAII MGMT ALLIANCE ASSN4833074 29,84987.74% 0.10% 97.68%

© 2019 National Association of Insurance Commissioners 180

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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

$194,518,762 32,494PHYSICIANS HLTH PLAN OF MID MI GRP340875 15,88085.42% 0.10% 97.78%$186,243,032 35,201PREFERREDONE GRP349276 20,89592.48% 0.10% 97.87%$182,581,853 53,377FIRSTCARE GRP354977 21,173101.78% 0.09% 97.96%$179,207,698 34,602AULTMAN HLTH FOUNDATION GRP480578 19,96885.11% 0.09% 98.06%$174,619,877 34,003PHP INDIANA GRP382879 19,48381.94% 0.09% 98.15%$172,361,864 28,157GLOBALHEALTH INC1366780 17,44084.16% 0.09% 98.23%$166,748,884 32,544HEALTH PLAN GRP129781 16,21898.22% 0.09% 98.32%$164,799,014 27,501NIPPON LIFE INS CO OF AMER8126482 14,71691.85% 0.08% 98.41%$162,728,191 26,026BCBS OF WY5376783 13,74776.32% 0.08% 98.49%$153,154,331 45,516TOKIO MARINE HOLDINGS INC GRP309884 52688.75% 0.08% 98.57%$143,005,407 26,269SUMMA HLTH GRP325985 14,61190.34% 0.07% 98.64%$133,399,496 24,040VANGUARD HLTH VENTURES GRP121286 12,82979.40% 0.07% 98.71%$131,007,787 34,809CATHOLIC HLTH INITIATIVES GRP480787 22,56486.81% 0.07% 98.78%$121,274,991 26,929COX INS GRP120388 16,39789.69% 0.06% 98.84%$114,837,774 26,808TOTAL HLTH GRP123889 18,38078.68% 0.06% 98.90%$110,585,554 23,000MCLAREN HLTH GRP470090 10,27592.07% 0.06% 98.95%$107,056,470 25,022VIVA HLTH INC9532291 12,76879.75% 0.05% 99.01%

$95,418,310 16,092VANTAGE HLTH PLAN INC9558492 8,47084.38% 0.05% 99.06%$95,162,776 22,614AVERA HLTH PLANS INC9583993 12,51694.79% 0.05% 99.11%$91,419,529 17,297TRUE HLTH NM INC1628194 11,62473.75% 0.05% 99.15%$89,659,845 13,236DENVER HLTH MEDICAL PLAN INC9575095 1092.29% 0.05% 99.20%$89,133,022 16,724MEDICAL ASSOCIATES GRP481196 7,39180.01% 0.05% 99.25%$86,675,721 14,768UNIVERSAL HLTH SERV INC GRP495497 9,42276.20% 0.04% 99.29%$72,501,595 150,377TAKECARE INS CO INC1109398 24,57387.47% 0.04% 99.33%$69,417,662 27,151MAPFRE INS GRP41199 27,15187.92% 0.04% 99.36%$59,539,522 8,133MEMORIAL HERMANN GRP4808100 77378.72% 0.03% 99.39%$58,346,071 11,583ALLIANT HLTH PLANS INC11256101 7,37189.30% 0.03% 99.42%$54,543,159 16,453FIRSTCAROLINACARE INS CO INC12962102 10,00089.19% 0.03% 99.45%$53,537,711 10,489HEALTH FIRST GRP4740103 6,90075.76% 0.03% 99.48%$51,531,395 10,234MERCY HLTH CORP GRP3595104 087.61% 0.03% 99.51%$47,300,670 10,368MULBERRY HLTH GRP4818105 9,37669.49% 0.02% 99.53%$44,694,701 10,299MAINE COMM HLTH OPTIONS15077106 6,45394.96% 0.02% 99.55%$44,052,912 6,288GROUP HLTH COOP OF EAU CLAIRE95192107 2,799103.28% 0.02% 99.58%$41,344,289 0NORTH SHORE LIJ HLTH CARE GRP4793108 096.81% 0.02% 99.60%$40,474,425 7,693INDIANA UNIVERSITY HLTH GRP4637109 4,39484.36% 0.02% 99.62%$38,823,311 5,886SOUTH DAKOTA STATE MED HOLDING CO96598110 26761.98% 0.02% 99.64%$37,823,607 5,741OREGON DENTAL GRP1313111 3,56081.23% 0.02% 99.66%

© 2019 National Association of Insurance Commissioners 181

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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

$37,190,588 5,626BLUE SHIELD OF CA GRP2798112 3,70283.21% 0.02% 99.68%$36,589,324 6,513NATIONAL GEN GRP4928113 3,29491.21% 0.02% 99.69%$35,778,691 5,801SOUTHEASTERN IN HLTH ORG INC95812114 3,54984.88% 0.02% 99.71%$35,657,756 32,409ALLEGHANY GRP501115 23178.77% 0.02% 99.73%$33,671,398 8,460HEALTHFIRST INC GRP4778116 7,63284.97% 0.02% 99.75%$31,055,045 9,468UNIVERSITY OF UT HLTH PLANS15648117 3183.06% 0.02% 99.76%$30,264,534 14,133ISLAND HOME INS CO31658118 72971.73% 0.02% 99.78%$28,882,206 5,703PIEDMONT COMM HLTH GRP4845119 3,34994.39% 0.01% 99.79%$28,574,711 5,816SAMARITAN HLTH PLANS INC12257120 173103.06% 0.01% 99.81%$28,302,384 6,241ASSURITY GRP4862121 2,86673.65% 0.01% 99.82%$25,974,373 3,843WEA GRP4939122 2,12698.81% 0.01% 99.84%$25,860,248 7,253HEALTHPARTNERS UNITYPOINT HLTH INC15888123 3,450107.63% 0.01% 99.85%$25,643,189 6,233HARRIS HLTH GRP4892124 3,04479.32% 0.01% 99.86%$25,023,066 3,226FRIDAY HLTH PLANS OF CO INC95774125 1,99381.26% 0.01% 99.88%

$194,816,558,946 37,602,204GRAND TOTAL 19,286,39981.97% 100.00%

© 2019 National Association of Insurance Commissioners 182

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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

$1,319,895,532 226,205ANTHEM INC GRP6711 121,51385.12% 20.12% 20.12%$1,034,205,003 183,329MEDICAL MUT OF OH GRP7302 94,89581.08% 15.77% 35.89%

$620,271,705 134,656HCSC GRP9173 72,50053.11% 9.46% 45.34%$538,838,432 92,722BCBS OF NE GRP48584 39,40590.94% 8.21% 53.56%$445,929,441 81,824KAISER FOUNDATION GRP6015 39,60684.24% 6.80% 60.36%$340,399,286 79,312PREMERA BLUE CROSS GRP9626 47,19176.75% 5.19% 65.55%$327,873,573 61,854WELLMARK INC GRP7707 32,16590.15% 5.00% 70.54%$326,348,351 75,031CAMBIA HEALTH SOLUTIONS INC12078 49,10175.86% 4.98% 75.52%$218,152,277 46,478HIGHMARK GRP8129 21,35288.24% 3.33% 78.85%$182,702,539 37,413HUMANA GRP11910 21,51690.68% 2.79% 81.63%$166,780,539 29,041LOUISIANA HLTH SERV GRP43811 17,35279.37% 2.54% 84.17%$161,879,938 25,953NIPPON LIFE INS CO OF AMER8126412 12,94967.46% 2.47% 86.64%$145,660,344 47,237BCBS OF KS GRP43013 28,69646.15% 2.22% 88.86%$140,233,411 20,554BCBS OF MA GRP363714 8,93485.31% 2.14% 91.00%$105,076,501 13,598BCBS OF MI GRP57215 6,38089.99% 1.60% 92.60%

$79,949,551 16,026GUIDEWELL MUT HOLDING GRP53616 9,46883.22% 1.22% 93.82%$70,032,972 14,753PACIFICSOURCE HLTH PLAN GRP470417 9,23483.86% 1.07% 94.89%$53,554,561 11,796PROVIDENCE HLTH GRP478818 5,27375.23% 0.82% 95.70%$40,476,033 7,503TIMBER PRODUCTS MANUFACTURERS TRUST1223919 071.43% 0.62% 96.32%$38,752,491 6,478BCBS OF SC GRP66120 4,06883.91% 0.59% 96.91%$32,567,956 7,437CENTENE CORP GRP129521 66193.62% 0.50% 97.41%$31,194,148 5,422BCBS OF RI5347322 2,289183.20% 0.48% 97.88%$29,154,102 7,370METROPOLITAN GRP24123 14976.96% 0.44% 98.33%$26,510,039 4,918IHC INC GRP88024 1,72385.21% 0.40% 98.73%$20,824,952 3,354WESTERN GROCERS EMPLOYEE BENEFIT TRU1233925 093.87% 0.32% 99.05%$20,466,194 3,002WISCONSIN PHYSICIANS SERV INS GRP6826 1,375109.96% 0.31% 99.36%$13,293,369 1,367PIONEER EDUCATORS HLTH TRUST1261927 092.32% 0.20% 99.56%

$9,227,441 1,774CARLE HOLDING CO GRP119228 1,05879.25% 0.14% 99.71%$8,993,890 1,578AULTMAN HLTH FOUNDATION GRP480529 560101.11% 0.14% 99.84%$5,914,907 1,070BCBS OF AZ INC5358930 52484.00% 0.09% 100.00%$2,205,540 375MISSISSIPPI INS GRP112631 21269.29% 0.03% 100.00%$1,479,668 156OREGON DENTAL GRP131332 115131.34% 0.02% 100.00%

$740,920 0FIRSTCARE GRP354933 0155.63% 0.01% 100.00%

$6,559,575,792 1,249,586GRAND TOTAL 650,26480.52% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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

$810,625,328 199,821UNITEDHEALTH GRP7071 102,24577.59% 37.75% 37.75%$604,660,257 100,924WEA GRP49392 46,93589.24% 28.16% 65.90%$514,530,874 103,816HUMANA GRP1193 61,14980.00% 23.96% 89.86%$143,479,523 69,888NATIONAL GEN GRP49284 44,74640.85% 6.68% 96.54%

$24,658,260 3,798BCBS OF NE GRP48585 1,72368.06% 1.15% 97.69%$19,710,888 61,327AMERICAN INTL GRP126 38,33383.70% 0.92% 98.61%$19,107,423 6,011GENEVE HOLDINGS INC GRP4507 4,14514.35% 0.89% 99.50%

$7,239,596 1,065USHEALTH GRP INC GRP8398 54778.76% 0.34% 99.84%$2,569,712 482AMERICAN NATL FIN GRP4089 25764.37% 0.12% 100.00%

$498,657 63TRUSTMARK MUT HOLDING CO GRP27610 40172.84% 0.02% 100.00%$336,274 65NEW ERA LIFE GRP52011 26240.38% 0.02% 100.00%$100,008 0MUNICH RE GRP36112 0(1,100.76)% 0.00% 100.00%

$18,263 6CINCINNATI FIN GRP24413 6128.35% 0.00% 100.00%$10,597 0AEGON US HOLDING GRP46814 03.04% 0.00% 100.00%

$3,600 1CONTINENTAL GEN INS CO7140415 1198.69% 0.00% 100.00%$186 0ASSURANT INC GRP1916 0(9,334.95)% 0.00% 100.00%

$2,147,549,446 547,267GRAND TOTAL 300,15378.33% 100.00%

© 2019 National Association of Insurance Commissioners 184

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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

$2,237,441,142 321,753EMBLEM HLTH GRP11271 164,18687.69% 31.17% 31.17%$1,817,251,386 374,438HAWAII MEDICAL SERV ASSN499482 223,64685.81% 25.31% 56.48%$1,471,709,174 300,513UPMC HLTH SYSTEM GRP13243 168,28589.45% 20.50% 76.98%$1,121,043,771 222,659BCBS OF NC GRP7584 142,14376.81% 15.62% 92.60%

$153,510,354 28,410OREGON DENTAL GRP13135 14,15588.74% 2.14% 94.74%$124,331,761 208,504BCS INS GRP236 74,05777.37% 1.73% 96.47%

$97,838,144 0MEDICA GRP15527 091.99% 1.36% 97.83%$56,207,542 10,288HEALTH FIRST GRP47408 6,31680.98% 0.78% 98.61%$47,914,876 11,014CHEROKEE INS CO106429 9567.98% 0.67% 99.28%$24,215,213 17,407MERCY HLTH CORP GRP359510 096.90% 0.34% 99.62%$12,285,974 1,829ANTHEM INC GRP67111 99355.06% 0.17% 99.79%

$7,391,895 1,385MVP GRP119812 87392.74% 0.10% 99.89%$6,858,366 1,872CDPHP INC GRP470813 1,161103.66% 0.10% 100.00%

$499,524 317AEGON US HOLDING GRP46814 23873.90% 0.01% 100.00%$232,855 54PROTECTIVE LIFE INS GRP45815 54265.67% 0.00% 100.00%$220,522 149ISLAND HOME INS CO3165816 4654.23% 0.00% 100.00%$158,901 19CNO FINANCIAL GRP23317 19(6.74)% 0.00% 100.00%$121,199 20WILTON RE GRP421318 2026.14% 0.00% 100.00%

$95,237 21GLOBAL ATLANTIC GRP389119 18216.00% 0.00% 100.00%$83,812 14WEST SOUTHERN GRP83620 4281.55% 0.00% 100.00%$70,567 0METROPOLITAN GRP24121 05,739.78% 0.00% 100.00%$52,343 29PRIMERICA GRP475022 2949.04% 0.00% 100.00%$21,900 0LINCOLN NATL GRP2023 084.59% 0.00% 100.00%$21,112 0AMERICAN FAMILY INS GRP47324 00.00% 0.00% 100.00%$14,129 6CINCINNATI FIN GRP24425 6146.24% 0.00% 100.00%$10,535 15ASSURANT INC GRP1926 8753.77% 0.00% 100.00%

$8,593 6MUTUAL OF OMAHA GRP26127 6(71.21)% 0.00% 100.00%$6,570 5ALLIANZ INS GRP76128 50.00% 0.00% 100.00%$6,248 3PRINCIPAL FIN GRP33229 2(22,332.76)% 0.00% 100.00%$5,606 7AMERICAN INTL GRP1230 5(3.00)% 0.00% 100.00%

$938 1NATIONWIDE CORP GRP14031 1325.37% 0.00% 100.00%

$7,178,836,493 1,500,869GRAND TOTAL 796,49085.64% 100.00%

© 2019 National Association of Insurance Commissioners 185

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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

$39,496,217,773 7,468,670UNITEDHEALTH GRP7071 4,187,57179.67% 18.75% 18.75%$16,357,167,418 3,005,799HCSC GRP9172 1,652,92579.97% 7.76% 26.51%$15,337,713,824 3,120,529CVS GRP13 1,730,04382.61% 7.28% 33.79%$14,491,252,945 2,479,519ANTHEM INC GRP6714 1,394,03580.16% 6.88% 40.67%

$9,711,879,410 1,843,083KAISER FOUNDATION GRP6015 1,035,95889.80% 4.61% 45.27%$9,312,246,426 2,393,346CIGNA HLTH GRP9016 47,78882.51% 4.42% 49.69%$6,064,790,587 1,183,688BCBS OF MI GRP5727 549,84680.58% 2.88% 52.57%$5,209,718,984 1,344,465HUMANA GRP1198 809,30682.21% 2.47% 55.04%$5,166,211,333 834,220BCBS OF MA GRP36379 397,83583.38% 2.45% 57.50%$4,406,270,799 886,733GUIDEWELL MUT HOLDING GRP53610 554,75078.97% 2.09% 59.59%$4,075,587,812 564,668BCBS OF NJ GRP120211 286,87384.41% 1.93% 61.52%$3,766,041,997 609,262HIGHMARK GRP81212 329,85982.32% 1.79% 63.31%$3,226,278,229 566,529CAREFIRST INC GRP38013 315,35475.65% 1.53% 64.84%$3,104,211,479 483,225INDEPENDENCE HLTH GRP INC GRP93614 265,14975.05% 1.47% 66.31%$3,031,446,788 447,974EMBLEM HLTH GRP112715 232,58585.82% 1.44% 67.75%$2,730,489,973 522,188CAMBIA HEALTH SOLUTIONS INC120716 305,71075.95% 1.30% 69.05%$2,704,807,525 571,962BCBS OF AL GRP57017 306,40687.18% 1.28% 70.33%$2,420,761,673 427,876LIFETIME HLTHCARE GRP118618 230,67584.46% 1.15% 71.48%$2,406,409,629 359,714HARVARD PILGRIM HLTH CARE GRP59519 190,49780.90% 1.14% 72.62%$2,355,129,650 439,528WELLMARK INC GRP77020 232,38482.13% 1.12% 73.74%$1,963,366,202 355,782LOUISIANA HLTH SERV GRP43821 207,67779.53% 0.93% 74.67%$1,959,389,674 342,955MEDICAL MUT OF OH GRP73022 177,91581.14% 0.93% 75.60%$1,944,868,395 361,641BCBS OF NC GRP75823 230,36376.77% 0.92% 76.53%$1,920,456,702 361,096PREMERA BLUE CROSS GRP96224 210,50679.35% 0.91% 77.44%$1,909,234,052 423,516BCBS OF TN GRP349825 240,23376.89% 0.91% 78.34%$1,817,251,386 374,438HAWAII MEDICAL SERV ASSN4994826 223,64685.81% 0.86% 79.21%$1,636,121,605 487,606HEALTHPARTNERS GRP125827 241,39483.41% 0.78% 79.98%$1,607,945,815 360,520BCBS OF SC GRP66128 223,71580.48% 0.76% 80.75%$1,597,534,710 332,615SPECTRUM HLTH GRP338329 150,60683.13% 0.76% 81.50%$1,482,662,013 266,253HEALTH NOW NY INC5520430 140,02282.90% 0.70% 82.21%$1,471,709,174 300,513UPMC HLTH SYSTEM GRP132431 168,28589.45% 0.70% 82.91%$1,440,188,559 238,097TUFTS GRP474232 129,66278.89% 0.68% 83.59%$1,407,360,461 236,145BCBS OF MN GRP46133 132,59986.78% 0.67% 84.26%$1,301,515,791 220,575MEDICA GRP155234 122,26487.93% 0.62% 84.88%$1,266,742,154 309,263IHC INC GRP88035 121,44183.88% 0.60% 85.48%$1,256,130,080 240,415UNIVERSITY HLTH CARE & GUNDERSEN LUT487036 111,56189.71% 0.60% 86.07%$1,232,787,655 366,372BCBS OF KC GRP53737 198,10980.41% 0.59% 86.66%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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

$1,123,169,530 228,504BCBS OF KS GRP43038 128,77785.78% 0.53% 87.19%$1,060,542,670 164,055MVP GRP119839 88,26582.65% 0.50% 87.69%$1,024,109,873 180,013BCBS OF NE GRP485840 97,44385.54% 0.49% 88.18%

$891,518,933 118,902CARLE HOLDING CO GRP119241 61,21586.49% 0.42% 88.60%$886,477,839 163,141DEAN HLTH GRP129442 77,47385.90% 0.42% 89.02%$886,016,536 137,392CDPHP INC GRP470843 69,35983.12% 0.42% 89.44%$885,682,526 160,660PROVIDENCE HLTH GRP478844 95,61489.48% 0.42% 89.86%$883,740,196 147,261HENRY FORD HLTH SYSTEM GRP131145 68,79681.61% 0.42% 90.28%$870,434,476 192,805ARKANSAS BCBS GRP87646 110,46283.68% 0.41% 90.70%$854,037,462 176,797BCBS OF AZ INC5358947 102,30078.33% 0.41% 91.10%$796,297,887 187,845MISSISSIPPI INS GRP112648 120,44285.35% 0.38% 91.48%$765,153,420 144,323CAPITAL BLUE CROSS GRP123049 83,67086.37% 0.36% 91.84%$736,153,874 121,077BCBS OF RI5347350 62,43880.06% 0.35% 92.19%$699,040,057 93,735CENTENE CORP GRP129551 32,58788.37% 0.33% 92.52%$671,894,018 111,143INDEPENDENT HLTH ASSN GRP489452 55,90582.73% 0.32% 92.84%$669,989,921 145,057BLUE CROSS OF ID GRP129053 71,43886.83% 0.32% 93.16%$630,634,630 104,767WEA GRP493954 49,06189.64% 0.30% 93.46%$586,444,659 124,411PACIFICSOURCE HLTH PLAN GRP470455 78,24783.16% 0.28% 93.74%$575,093,141 111,033NORIDIAN MUT INS CO5589156 56,68087.67% 0.27% 94.01%$516,824,445 90,074SENTARA HLTH MGMT GRP118357 55,69181.82% 0.25% 94.26%$503,486,909 81,905GEISINGER INS GRP114358 48,82988.17% 0.24% 94.50%$480,098,926 95,863SANFORD HLTH GRP124659 45,05792.49% 0.23% 94.72%$477,402,253 0TRIPLE S GRP480260 080.15% 0.23% 94.95%$421,652,425 64,909SECURITY HLTH PLAN OF WI INC9688161 28,03595.53% 0.20% 95.15%$404,107,513 70,440SCOTT & WHITE GRP60062 40,68381.05% 0.19% 95.34%$400,850,665 59,082PARTNERS HEALTHCARE SYSTEM GRP493463 43,55684.82% 0.19% 95.53%$381,750,300 53,582AVMED INC9526364 33,78583.63% 0.18% 95.71%$376,017,711 53,338BAYSTATE HLTH GRP475665 29,77580.79% 0.18% 95.89%$360,524,459 69,636COMMUNITYCARE GRP348766 41,87584.55% 0.17% 96.06%$350,860,476 41,088FALLON GRP474167 21,01886.85% 0.17% 96.23%$326,678,952 53,454NIPPON LIFE INS CO OF AMER8126468 27,66579.76% 0.16% 96.39%$315,700,067 61,330GROUP HLTH COOP OF S CENTRAL WI9531169 31,36590.89% 0.15% 96.54%$285,251,702 43,461STATE FARM GRP17670 15,623100.80% 0.14% 96.67%$282,169,976 45,534BCBS OF VT GRP474571 25,00689.49% 0.13% 96.80%$277,994,555 43,195WISCONSIN PHYSICIANS SERV INS GRP6872 21,27790.43% 0.13% 96.94%$270,799,403 115,404MEDICAL CARD SYSTEM INC GRP130173 52,98386.09% 0.13% 97.07%$263,771,294 61,932UNIVERSITY HLTH ALLIANCE4795374 40,90584.14% 0.13% 97.19%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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

$235,543,377 52,603PRESBYTERIAN HLTHCARE SERV GRP48175 19,33284.74% 0.11% 97.30%$221,292,708 42,288NETWORK HLTH GRP267876 19,89891.58% 0.11% 97.41%$211,345,459 33,250RENOWN HLTH GRP479177 1,37278.71% 0.10% 97.51%$199,414,777 42,489HAWAII MGMT ALLIANCE ASSN4833078 29,84987.74% 0.09% 97.60%$194,518,762 32,494PHYSICIANS HLTH PLAN OF MID MI GRP340879 15,88085.42% 0.09% 97.69%$192,813,629 34,307OREGON DENTAL GRP131380 17,83087.59% 0.09% 97.79%$188,201,588 36,180AULTMAN HLTH FOUNDATION GRP480581 20,52885.87% 0.09% 97.88%$186,243,032 35,201PREFERREDONE GRP349282 20,89592.48% 0.09% 97.96%$183,322,773 53,377FIRSTCARE GRP354983 21,173102.00% 0.09% 98.05%$180,068,847 76,401NATIONAL GEN GRP492884 48,04051.08% 0.09% 98.14%$174,619,877 34,003PHP INDIANA GRP382885 19,48381.94% 0.08% 98.22%$172,361,864 28,157GLOBALHEALTH INC1366786 17,44084.16% 0.08% 98.30%$166,748,884 32,544HEALTH PLAN GRP129787 16,21898.22% 0.08% 98.38%$162,728,191 26,026BCBS OF WY5376788 13,74776.32% 0.08% 98.46%$153,154,331 45,516TOKIO MARINE HOLDINGS INC GRP309889 52688.75% 0.07% 98.53%$143,005,407 26,269SUMMA HLTH GRP325990 14,61190.34% 0.07% 98.60%$133,949,612 210,344BCS INS GRP2391 75,44976.25% 0.06% 98.66%$133,399,496 24,040VANGUARD HLTH VENTURES GRP121292 12,82979.40% 0.06% 98.72%$131,007,787 34,809CATHOLIC HLTH INITIATIVES GRP480793 22,56486.81% 0.06% 98.79%$121,274,991 26,929COX INS GRP120394 16,39789.69% 0.06% 98.84%$114,837,774 26,808TOTAL HLTH GRP123895 18,38078.68% 0.05% 98.90%$110,585,554 23,000MCLAREN HLTH GRP470096 10,27592.07% 0.05% 98.95%$109,745,253 20,777HEALTH FIRST GRP474097 13,21678.43% 0.05% 99.00%$107,056,470 25,022VIVA HLTH INC9532298 12,76879.75% 0.05% 99.05%

$95,418,310 16,092VANTAGE HLTH PLAN INC9558499 8,47084.38% 0.05% 99.10%$95,162,776 22,614AVERA HLTH PLANS INC95839100 12,51694.79% 0.05% 99.14%$91,419,529 17,297TRUE HLTH NM INC16281101 11,62473.75% 0.04% 99.19%$89,659,845 13,236DENVER HLTH MEDICAL PLAN INC95750102 1092.29% 0.04% 99.23%$89,133,022 16,724MEDICAL ASSOCIATES GRP4811103 7,39180.01% 0.04% 99.27%$86,675,721 14,768UNIVERSAL HLTH SERV INC GRP4954104 9,42276.20% 0.04% 99.31%$75,746,608 27,641MERCY HLTH CORP GRP3595105 090.58% 0.04% 99.35%$72,501,595 150,377TAKECARE INS CO INC11093106 24,57387.47% 0.03% 99.38%$69,417,662 27,151MAPFRE INS GRP411107 27,15187.92% 0.03% 99.42%$59,539,522 8,133MEMORIAL HERMANN GRP4808108 77378.72% 0.03% 99.45%$58,346,071 11,583ALLIANT HLTH PLANS INC11256109 7,37189.30% 0.03% 99.47%$54,543,159 16,453FIRSTCAROLINACARE INS CO INC12962110 10,00089.19% 0.03% 99.50%$49,476,075 13,493METROPOLITAN GRP241111 22581.31% 0.02% 99.52%

© 2019 National Association of Insurance Commissioners 188

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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

$47,914,876 11,014CHEROKEE INS CO10642112 9567.98% 0.02% 99.55%$47,300,670 10,368MULBERRY HLTH GRP4818113 9,37669.49% 0.02% 99.57%$44,694,701 10,299MAINE COMM HLTH OPTIONS15077114 6,45394.96% 0.02% 99.59%$44,052,912 6,288GROUP HLTH COOP OF EAU CLAIRE95192115 2,799103.28% 0.02% 99.61%$41,344,289 0NORTH SHORE LIJ HLTH CARE GRP4793116 096.81% 0.02% 99.63%$40,476,033 7,503TIMBER PRODUCTS MANUFACTURERS TRUST12239117 071.43% 0.02% 99.65%$40,474,425 7,693INDIANA UNIVERSITY HLTH GRP4637118 4,39484.36% 0.02% 99.67%$38,823,311 5,886SOUTH DAKOTA STATE MED HOLDING CO96598119 26761.98% 0.02% 99.69%$37,190,588 5,626BLUE SHIELD OF CA GRP2798120 3,70283.21% 0.02% 99.70%$35,778,691 5,801SOUTHEASTERN IN HLTH ORG INC95812121 3,54984.88% 0.02% 99.72%$35,657,756 32,409ALLEGHANY GRP501122 23178.77% 0.02% 99.74%$33,671,398 8,460HEALTHFIRST INC GRP4778123 7,63284.97% 0.02% 99.75%$31,055,045 9,468UNIVERSITY OF UT HLTH PLANS15648124 3183.06% 0.01% 99.77%$30,485,056 14,282ISLAND HOME INS CO31658125 77571.60% 0.01% 99.78%

$210,702,520,676 40,899,926GRAND TOTAL 21,033,30682.01% 100.00%

© 2019 National Association of Insurance Commissioners 189

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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

$373,185,593 2,805,041ALLSTATE INS GRP81 1,409,91349.43% 19.84% 19.84%$305,101,446 185,066USHEALTH GRP INC GRP8392 105,68620.48% 16.22% 36.07%$244,204,238 1,129,606AFLAC GRP3703 854,85148.19% 12.99% 49.05%$238,059,656 714,178UNUM GRP5654 22,17034.30% 12.66% 61.71%$196,816,973 336,529CNO FINANCIAL GRP2335 216,51273.19% 10.47% 72.17%

$92,334,360 976,219VOYA FINANCIAL GRP48326 427,19734.86% 4.91% 77.08%$77,642,508 401,363AEGON US HOLDING GRP4687 212,41544.42% 4.13% 81.21%$46,749,107 408,539GUARDIAN LIFE GRP4298 216,1105.61% 2.49% 83.70%$37,191,549 113,636TRUSTMARK MUT HOLDING CO GRP2769 78,80037.05% 1.98% 85.68%$35,320,360 185,619CIGNA HLTH GRP90110 20,25918.56% 1.88% 87.55%$30,408,080 80,654LINCOLN NATL GRP2011 58327.75% 1.62% 89.17%$30,385,674 392,112MUTUAL OF OMAHA GRP26112 222,00741.88% 1.62% 90.79%$21,188,898 8,220HARTFORD FIRE & CAS GRP9113 55548.16% 1.13% 91.91%$19,417,462 86,856AMERICAN FIDELITY CORP GRP33014 71,94020.69% 1.03% 92.95%$19,113,446 42,132HUMANA GRP11915 21,06663.74% 1.02% 93.96%$17,689,312 100,147BOSTON MUT GRP58116 44,40033.76% 0.94% 94.90%$14,395,979 16,445GUARANTEE TRUST GRP68717 7,18653.13% 0.77% 95.67%$11,060,422 0CHUBB LTD GRP62618 055.54% 0.59% 96.26%$10,724,775 112,841SUN LIFE ASSUR CO OF CN GRP54919 1,16235.72% 0.57% 96.83%$10,428,976 25,492TORCHMARK CORP GRP29020 11,73760.72% 0.55% 97.38%

$8,842,991 79,068NATIONAL GEN GRP492821 50,03121.71% 0.47% 97.85%$7,159,542 56,636MINNESOTA MUT GRP86922 3232.60% 0.38% 98.23%$5,385,750 7,441SOLSTICE GRP486623 1054.76% 0.29% 98.52%$5,116,808 41,219MANHATTAN LIFE GRP111724 41,11872.86% 0.27% 98.79%$4,470,631 19,829PRUDENTIAL OF AMER GRP30425 38(32.67)% 0.24% 99.03%$4,403,920 33,382GENERAL ELECTRIC GRP35026 25,391102.70% 0.23% 99.26%$3,168,318 26,991ASSURITY GRP486227 13,77954.47% 0.17% 99.43%$2,717,417 37,467AXIS CAPITAL GRP341628 708194.70% 0.14% 99.58%$2,591,838 14,001PRINCIPAL FIN GRP33229 14,00129.62% 0.14% 99.71%$2,368,639 12,140MEIJI YASUDA LIFE INS GRP134830 9,59334.56% 0.13% 99.84%$2,041,090 8,031HEALTHMARKETS GRP26431 5,5415.73% 0.11% 100.00%$1,482,810 17,295GENEVE HOLDINGS INC GRP45032 15,65711.09% 0.08% 100.00%$1,275,835 15,745BCBS OF SC GRP66133 11,9224.43% 0.07% 100.00%$1,242,089 86,484TOKIO MARINE HOLDINGS INC GRP309834 18156.09% 0.07% 100.00%$1,012,844 11,825FIDELITY SECURITY GRP45135 6,59912.01% 0.05% 100.00%

$529,889 6,123UNITEDHEALTH GRP70736 6,12342.10% 0.03% 100.00%$459,317 4,221AMERICAN NATL FIN GRP40837 2,20748.29% 0.02% 100.00%

© 2019 National Association of Insurance Commissioners 190

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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

$440,730 2,462LIFE INS CO OF AL6541238 1,08595.71% 0.02% 100.00%$393,980 1,391AMERICAN INTL GRP1239 1,190(433.30)% 0.02% 100.00%$310,511 2,762MULTINATIONAL GRP480440 2,76241.88% 0.02% 100.00%$265,517 855BALTIMORE LIFE INS CO6121241 85518.71% 0.01% 100.00%$256,055 718MASS MUT LIFE INS GRP43542 54425.96% 0.01% 100.00%$229,208 18,678BCS INS GRP2343 12(0.95)% 0.01% 100.00%$191,084 662UNIFIED LIFE INS CO1112144 66069.79% 0.01% 100.00%$150,431 7,989BEAZLEY INS CO INC3754045 4,91512.71% 0.01% 100.00%$150,167 1,5215 STAR LIFE INS CO7787946 1,06910.31% 0.01% 100.00%$145,381 595NEW ERA LIFE GRP52047 41032.82% 0.01% 100.00%

$50,740 1,644UNION LABOR GRP78148 70517.14% 0.00% 100.00%$44,262 60PAN AMER LIFE GRP52549 4630.35% 0.00% 100.00%$37,002 179NATIONWIDE CORP GRP14050 179584.00% 0.00% 100.00%$17,203 0NATIONAL GUARDIAN LIFE INS GRP121151 0332.35% 0.00% 100.00%$13,287 0COOPERATIVA DE SEGUROS DE VIDA7971552 035.29% 0.00% 100.00%

$5,869 46HORACE MANN GRP30053 30(0.31)% 0.00% 100.00%$1,525 3CENTRAL STATES GRP69054 3982.62% 0.00% 100.00%$1,423 183HOPMEADOW HOLDINGS GRP492655 20.00% 0.00% 100.00%

$909 49GENWORTH FIN GRP401156 49393.95% 0.00% 100.00%$323 0HIGHMARK GRP81257 03,003.10% 0.00% 100.00%

$1,880,663,198 8,654,712GRAND TOTAL 4,177,17441.73% 100.00%

© 2019 National Association of Insurance Commissioners 191

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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

$1,840,335,218 25,026,536VISION SERV PLAN GRP11891 43,24678.77% 28.57% 28.57%$1,502,114,794 6,035,282UNITEDHEALTH GRP7072 3,172,82991.17% 23.32% 51.89%

$710,221,302 11,603,045FIDELITY SECURITY GRP4513 5,698,14377.22% 11.03% 62.91%$268,448,718 0CHUBB LTD GRP6264 081.57% 4.17% 67.08%$239,086,260 3,182,478GUARDIAN LIFE GRP4295 1,674,98957.65% 3.71% 70.79%$235,013,438 4,331,412NATIONAL GUARDIAN LIFE INS GRP12116 2,261,97262.76% 3.65% 74.44%$169,482,802 1CAPITAL BLUE CROSS GRP12307 179.58% 2.63% 77.07%$125,020,979 1,882,664HUMANA GRP1198 1,028,19564.25% 1.94% 79.01%$124,953,300 1,764,939ANTHEM INC GRP6719 908,58674.14% 1.94% 80.95%$109,004,275 59,384AEGON US HOLDING GRP46810 44,40363.12% 1.69% 82.64%$103,484,242 979,811AMERITAS MUT HOLDING GRP94311 15,89159.04% 1.61% 84.25%

$88,559,960 1,337,141CIGNA HLTH GRP90112 22,06977.42% 1.37% 85.62%$81,424,486 150,141AMERICAN FIDELITY CORP GRP33013 112,05258.27% 1.26% 86.89%$80,857,352 55,795HOMESHIELD CAPITAL GRP285814 338.26% 1.26% 88.14%$80,684,516 53,211AXIS CAPITAL GRP341615 54036.79% 1.25% 89.39%$75,147,388 779,322PRINCIPAL FIN GRP33216 555,70949.20% 1.17% 90.56%$75,123,953 71,805PAN AMER LIFE GRP52517 48,57950.75% 1.17% 91.73%$70,458,789 53,599GENEVE HOLDINGS INC GRP45018 38,31916.40% 1.09% 92.82%$64,692,361 93,081BCS INS GRP2319 4,67145.19% 1.00% 93.83%$52,122,387 114,460SUMITOMO LIFE INS GRP485520 77,63272.64% 0.81% 94.63%$47,168,656 48,009TOKIO MARINE HOLDINGS INC GRP309821 1,91233.08% 0.73% 95.37%$41,531,525 758,543VISION BENEFITS GRP469622 2,31577.96% 0.64% 96.01%$35,943,471 471,795BCBS OF SC GRP66123 274,68172.55% 0.56% 96.57%$30,897,820 247,255VOYA FINANCIAL GRP483224 107,50247.66% 0.48% 97.05%$21,017,944 249,837MEIJI YASUDA LIFE INS GRP134825 173,50360.12% 0.33% 97.38%$13,475,105 105,688UNIFIED LIFE INS CO1112126 30,94743.22% 0.21% 97.58%$13,449,296 173,017CAMBIA HEALTH SOLUTIONS INC120727 98,35272.02% 0.21% 97.79%$11,385,548 1,253,350AMERICAN SPECIALTY GRP350228 077.86% 0.18% 97.97%$11,190,832 412,704SIGHTCARE INC4701229 082.42% 0.17% 98.14%$10,354,738 51,628FAIRFAX FIN GRP15830 42258.62% 0.16% 98.30%

$9,944,745 0INDEPENDENCE HLTH GRP INC GRP93631 083.10% 0.15% 98.46%$9,890,873 21,379BEAZLEY INS CO INC3754032 13,31755.53% 0.15% 98.61%$9,081,644 0HAWAII MEDICAL SERV ASSN4994833 090.88% 0.14% 98.75%$8,280,727 18,412NEW YORK LIFE GRP82634 14,22452.74% 0.13% 98.88%$6,700,332 29,083ARKANSAS BCBS GRP87635 29,08362.19% 0.10% 98.99%$6,636,556 0AMERICAN FIN SECURITY LIFE INS CO6933736 053.96% 0.10% 99.09%$6,334,617 99,094DELTA DENTAL PLAN OF MO GRP368037 54,60958.40% 0.10% 99.19%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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

$5,815,342 58,568LOUISIANA HLTH SERV GRP43838 35,41387.21% 0.09% 99.28%$5,553,052 9,908AEGIS GRP31339 12757.71% 0.09% 99.36%$4,787,493 124,293OPTICARE OF UT1253340 69,66354.67% 0.07% 99.44%$4,421,104 0BLUE CROSS OF ID GRP129041 064.21% 0.07% 99.51%$4,189,910 57,501RENAISSANCE HLTH SERV CORP GRP47742 35,47660.31% 0.07% 99.57%$4,090,737 44,278USHEALTH GRP INC GRP83943 26,29538.45% 0.06% 99.64%$2,999,652 1,658CHINA MINSHENG GRP486344 1,32682.96% 0.05% 99.68%$2,456,157 36,517MEDICAL MUT OF OH GRP73045 17,90879.31% 0.04% 99.72%$2,276,110 36,680DELTA DENTAL PLAN OF AZ GRP365846 19,53067.24% 0.04% 99.76%$1,855,833 22,155KANSAS CITY LIFE INS GRP58847 12,59748.71% 0.03% 99.78%$1,833,805 34,973SOLSTICE GRP486648 68658.21% 0.03% 99.81%$1,633,692 14,004WELLMARK INC GRP77049 6,58779.09% 0.03% 99.84%$1,542,902 2,426AMERICAN NATL FIN GRP40850 1,72619.10% 0.02% 99.86%$1,271,420 15,201BEST LIFE & HLTH INS CO9063851 8,77749.45% 0.02% 99.88%$1,028,647 17,885AXA INS GRP96852 9,50764.18% 0.02% 99.90%

$915,310 15,653WEA GRP493953 11,08340.79% 0.01% 100.00%$843,122 9,794WISCONSIN PHYSICIANS SERV INS GRP6854 16360.27% 0.01% 100.00%$732,955 1,453PRIMERICA GRP475055 1,453(1.24)% 0.01% 100.00%$583,291 18,033HEALTHMARKETS GRP26456 10,19848.59% 0.01% 100.00%$558,905 8,652HIGHMARK GRP81257 4,90860.62% 0.01% 100.00%$552,454 2,853APOLLO GLOBAL MGMT GRP473458 131.62% 0.01% 100.00%$385,476 0MUNICH RE GRP36159 0148.21% 0.01% 100.00%$351,518 2,345TORCHMARK CORP GRP29060 2,34550.35% 0.01% 100.00%$310,923 901ATLANTIC AMER GRP58761 9019.19% 0.00% 100.00%$213,386 774AMERICAN ENTERPRISE MUT GRP352762 75057.44% 0.00% 100.00%$200,890 144LINCOLN NATL GRP2063 29.16% 0.00% 100.00%$170,446 849LIFE INS CO OF AL6541264 48530.12% 0.00% 100.00%$165,644 977MARKEL CORP GRP78565 118.70% 0.00% 100.00%$151,836 250HORACE MANN GRP30066 16112.55% 0.00% 100.00%

$72,422 0ASSURITY GRP486267 037.24% 0.00% 100.00%$69,533 416NEW ERA LIFE GRP52068 58.34% 0.00% 100.00%$67,077 37UNION LABOR GRP78169 3785.26% 0.00% 100.00%$62,296 1,235UNITED HERITAGE MUT GRP287870 4238.17% 0.00% 100.00%$39,628 221SOUTHLAND NATL HOLDING GRP482771 171(603.37)% 0.00% 100.00%$36,038 175FARMERS INS GRP6972 18(83.79)% 0.00% 100.00%$32,145 129BCBS OF MI GRP57273 8513.83% 0.00% 100.00%$28,778 245HCSC GRP91774 17350.92% 0.00% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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

$17,797 47CNO FINANCIAL GRP23375 47432.70% 0.00% 100.00%$8,430 6CORVESTA GRP472976 50.00% 0.00% 100.00%$5,189 7PROTECTIVE LIFE INS GRP45877 71,969.09% 0.00% 100.00%$3,064 1THE HANOVER INS GRP8878 119.75% 0.00% 100.00%$1,647 20CONTINENTAL GEN INS CO7140479 1257.01% 0.00% 100.00%

$6,441,856,940 62,055,165GRAND TOTAL 16,787,74975.29% 100.00%

© 2019 National Association of Insurance Commissioners 194

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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

$738,041,327 390,398UNITEDHEALTH GRP7071 379,32179.05% 33.92% 33.92%$675,712,750 9,498CVS GRP12 9,39778.85% 31.06% 64.98%$147,745,244 53,197HCSC GRP9173 49,43394.82% 6.79% 71.77%$139,051,937 67,758BERKSHIRE HATHAWAY GRP314 13481.30% 6.39% 78.16%$118,491,845 54,127ANTHEM INC GRP6715 53,13083.13% 5.45% 83.61%$103,677,196 52,391BCBS OF NC GRP7586 43,35674.31% 4.77% 88.37%

$84,634,938 35,751NATIONAL GUARDIAN LIFE INS GRP12117 34,62785.03% 3.89% 92.26%$41,351,817 8,725CENTENE CORP GRP12958 1486.51% 1.90% 94.16%$21,234,120 12,889HIGHMARK GRP8129 8,70181.85% 0.98% 95.14%$17,515,555 5,792HARVARD PILGRIM HLTH CARE GRP59510 5,68167.44% 0.81% 95.94%$14,181,494 5,160BCS INS GRP2311 2,88967.64% 0.65% 96.60%$11,458,185 6,552BCBS OF MI GRP57212 6,22169.73% 0.53% 97.12%$10,730,176 2,382INDEPENDENCE HLTH GRP INC GRP93613 2,16487.97% 0.49% 97.62%

$8,519,018 622,455PUPIL BENEFITS PLAN INC5527114 35659.23% 0.39% 98.01%$8,120,535 7,107PREMERA BLUE CROSS GRP96215 7,03873.52% 0.37% 98.38%$7,363,578 2,083CAREFIRST INC GRP38016 1,96977.77% 0.34% 98.72%$6,374,978 2,910HEALTH NOW NY INC5520417 2,81284.91% 0.29% 99.01%$6,001,163 0TOKIO MARINE HOLDINGS INC GRP309818 034.88% 0.28% 99.29%$3,845,562 6,185ARCH INS GRP127919 63438.82% 0.18% 99.47%$2,567,496 620LOUISIANA HLTH SERV GRP43820 58179.31% 0.12% 99.58%$2,402,134 81,250UNIFIED LIFE INS CO1112121 81,25054.01% 0.11% 99.69%$2,295,859 6,789FAIRFAX FIN GRP15822 5954.71% 0.11% 99.80%$1,227,260 624AMERICAN INTL GRP1223 1(1,216.29)% 0.06% 99.86%

$776,275 367SPECTRUM HLTH GRP338324 36447.63% 0.04% 99.89%$692,600 451MVP GRP119825 45173.88% 0.03% 100.00%$617,285 753PAN AMER LIFE GRP52526 75362.37% 0.03% 100.00%$322,746 165BLUE CROSS OF ID GRP129027 16550.69% 0.01% 100.00%$262,617 0BCBS OF SC GRP66128 0(1,318.10)% 0.01% 100.00%$205,208 743CHINA MINSHENG GRP486329 743236.02% 0.01% 100.00%$200,547 20,845UNIVERSAL FIDELITY LIFE INS CO7012230 1469.64% 0.01% 100.00%$113,956 0COOPERATIVA DE SEGUROS DE VIDA7971531 05.59% 0.01% 100.00%$67,184 906MULTINATIONAL GRP480432 90610.83% 0.00% 100.00%

$5,885 0TRUSTMARK MUT HOLDING CO GRP27633 0457.67% 0.00% 100.00%$427 715LIBERTY MUT GRP11134 1(1,423.19)% 0.00% 100.00%

$2,175,682,375 1,459,589GRAND TOTAL 693,16679.16% 100.00%

© 2019 National Association of Insurance Commissioners 195

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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

$391,415,759 8,411,664UNUM GRP5651 76,23233.88% 8.95% 8.95%$338,142,500 14,077,394AEGON US HOLDING GRP4682 10,906,42031.30% 7.73% 16.68%$316,018,102 12,015,543METROPOLITAN GRP2413 39,17459.09% 7.23% 23.91%$311,300,377 4,367,493MINNESOTA MUT GRP8694 2,302,59141.63% 7.12% 31.02%$252,748,231 3,138,165ALLSTATE INS GRP85 1,591,43341.37% 5.78% 36.80%$248,274,012 8,552,855CIGNA HLTH GRP9016 10,59944.14% 5.68% 42.48%$233,250,060 0CUNA MUT GRP3067 030.93% 5.33% 47.81%$214,416,970 8,125,526HARTFORD FIRE & CAS GRP918 33,88140.07% 4.90% 52.72%$170,973,732 6,145,840ZURICH INS GRP2129 5,104,63433.27% 3.91% 56.62%$168,859,125 1,418,806AFLAC GRP37010 856,42936.00% 3.86% 60.49%$143,475,358 5,056,109PRUDENTIAL OF AMER GRP30411 1,21956.01% 3.28% 63.77%$135,959,699 19,143,184MUTUAL OF OMAHA GRP26112 3,074,08851.63% 3.11% 66.87%$110,058,865 6,675,488GUARDIAN LIFE GRP42913 3,514,36422.60% 2.52% 69.39%$96,020,427 4,242,538LINCOLN NATL GRP2014 27,34539.43% 2.20% 71.59%$91,109,014 6,944,455FAIRFAX FIN GRP15815 51,91553.40% 2.08% 73.67%$91,092,022 2,011,293VOYA FINANCIAL GRP483216 874,47531.14% 2.08% 75.75%$88,424,793 3,687,510MEIJI YASUDA LIFE INS GRP134817 3,455,30645.75% 2.02% 77.77%$77,135,845 0CVS GRP118 039.50% 1.76% 79.54%$67,261,375 401,610AAA LIFE GRP485319 401,61050.19% 1.54% 81.08%$63,916,906 310,940USHEALTH GRP INC GRP83920 246,98332.25% 1.46% 82.54%$58,400,281 42,526,784TOKIO MARINE HOLDINGS INC GRP309821 27,29345.48% 1.34% 83.87%$51,845,695 38,156AMERICAN FINANCIAL GRP8422 1,56435.52% 1.19% 85.06%$44,177,800 48,459,541AMEX ASSUR CO2792823 32,721,6910.27% 1.01% 86.07%$43,130,041 3,435,207AXIS CAPITAL GRP341624 12,06630.00% 0.99% 87.05%$42,443,602 1,652,936ANTHEM INC GRP67125 895,80943.17% 0.97% 88.03%$36,505,445 80,929NATIONWIDE CORP GRP14026 14,13647.38% 0.83% 88.86%$31,869,070 364,174TRUSTMARK MUT HOLDING CO GRP27627 252,71427.23% 0.73% 89.59%$26,766,631 1,514,964AXA INS GRP96828 46257.29% 0.61% 90.20%$23,452,762 1,461,398STARR GRP467029 4,93685.16% 0.54% 90.74%$23,425,883 1,248,912NEW YORK LIFE GRP82630 1,236,40041.07% 0.54% 91.27%$22,666,501 3,913,156WEST SOUTHERN GRP83631 6,26342.91% 0.52% 91.79%$21,836,046 96,047CNO FINANCIAL GRP23332 84,40586.10% 0.50% 92.29%$20,653,688 2,267,723WR BERKLEY CORP GRP9833 5,90150.29% 0.47% 92.76%$20,548,558 74,558UNITEDHEALTH GRP70734 56,49761.92% 0.47% 93.23%$19,673,028 0CHUBB LTD GRP62635 034.66% 0.45% 93.68%$19,125,832 2,037,647NATIONAL GUARDIAN LIFE INS GRP121136 134,34260.22% 0.44% 94.12%$17,935,996 2,329,113MARKEL CORP GRP78537 18,18621.80% 0.41% 94.53%

© 2019 National Association of Insurance Commissioners 196

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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

$16,533,890 175,592APOLLO GLOBAL MGMT GRP473438 35,82535.92% 0.38% 94.91%$15,813,391 12,365OLD REPUBLIC GRP15039 13025.44% 0.36% 95.27%$14,301,829 214,718AMERICAN INTL GRP1240 6,23432.93% 0.33% 95.60%$12,615,771 99,377NATIONAL GEN GRP492841 62,74913.53% 0.29% 95.88%$11,558,418 152,937CHINA MINSHENG GRP486342 152,93755.33% 0.26% 96.15%$11,036,176 1,426,761SUMITOMO LIFE INS GRP485543 1,511,89770.31% 0.25% 96.40%$10,067,919 797,260TORCHMARK CORP GRP29044 9,561,15463.93% 0.23% 96.63%

$9,628,779 699,435ONEAMERICA FIN PARTNERS GRP61945 699,43553.64% 0.22% 96.85%$9,613,026 73,213ARCH INS GRP127946 6,08160.28% 0.22% 97.07%$9,596,394 91,065GUARANTEE TRUST GRP68747 85,98010.62% 0.22% 97.29%$9,358,894 399,220BOSTON MUT GRP58148 364,55949.36% 0.21% 97.50%$9,261,064 521,128FIDELITY SECURITY GRP45149 108,40551.04% 0.21% 97.72%$8,977,271 94,378SUN LIFE ASSUR CO OF CN GRP54950 1,32721.25% 0.21% 97.92%$8,016,051 2,207,758UNION LABOR GRP78151 2,176,30442.60% 0.18% 98.10%$7,998,946 275,043HOPMEADOW HOLDINGS GRP492652 46652.43% 0.18% 98.29%$7,122,833 7,070BCBS OF SC GRP66153 7,07072.60% 0.16% 98.45%$6,472,297 181,531ASSURANT INC GRP1954 149,59519.66% 0.15% 98.60%$6,447,753 130,991GENERAL ELECTRIC GRP35055 59,38342.34% 0.15% 98.75%$6,393,230 700,743AEGIS GRP31356 4,21428.98% 0.15% 98.89%$5,206,194 298,584CAMBIA HEALTH SOLUTIONS INC120757 288,10631.81% 0.12% 99.01%$5,029,265 168,719AMERICAN FIDELITY CORP GRP33058 163,37044.80% 0.11% 99.13%$4,908,490 1,662CHEROKEE INS CO1064259 2043.34% 0.11% 99.24%$4,659,643 35,863ASSURITY GRP486260 17,90946.70% 0.11% 99.34%$2,737,906 6,842HUMANA GRP11961 4,83341.10% 0.06% 99.41%$2,613,924 31,573GENEVE HOLDINGS INC GRP45062 29,93927.97% 0.06% 99.47%$2,527,121 23,842MANHATTAN LIFE GRP111763 23,78823.00% 0.06% 99.52%$2,288,210 113,944STATE FARM GRP17664 45,92494.67% 0.05% 99.58%$1,995,157 12,631PRINCIPAL FIN GRP33265 12,63113.38% 0.05% 99.62%$1,789,469 7,457KEMPER CORP GRP21566 7,45730.27% 0.04% 99.66%$1,489,755 16,447BCS INS GRP2367 12,28542.73% 0.03% 99.70%$1,343,880 4,862ATLANTIC AMER GRP58768 4,86216.88% 0.03% 99.73%$1,124,130 0USIC GRP359369 028.15% 0.03% 99.75%$1,034,591 2,723UNIFIED LIFE INS CO1112170 2,23112.48% 0.02% 99.78%$1,008,305 0INTEGRAND ASSUR CO2677871 038.89% 0.02% 99.80%

$993,877 74,953SECURITY MUT LIFE INS CO OF NY6877272 1,10754.68% 0.02% 99.82%$960,082 103,428ECG GRP482673 27288.14% 0.02% 99.85%$842,413 73,870BCBS OF KS GRP43074 2,63639.71% 0.02% 99.86%

© 2019 National Association of Insurance Commissioners 197

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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

$813,330 6,631AMERICAN NATL FIN GRP40875 5,29316.15% 0.02% 99.88%$763,737 894,647TEXAS FARM BUREAU MUT GRP80976 466,10941.10% 0.02% 100.00%$731,068 4,832UNITED SERV AUTOMOBILE ASSN GRP20077 110.26% 0.02% 100.00%$709,127 69,781BLUE SHIELD OF CA GRP279878 69,34240.29% 0.02% 100.00%$699,933 879NEW ERA LIFE GRP52079 1597.98% 0.02% 100.00%$487,845 0UNDERWRITERS AT LLOYDS LONDON1564280 00.00% 0.01% 100.00%$464,730 0ASPEN INS HOLDING GRP469881 2059.67% 0.01% 100.00%$445,430 304,384IOWA FARM BUREAU GRP51382 304,38465.82% 0.01% 100.00%$408,569 90,955AUTOMOBILE CLUB MI GRP5583 90,95572.46% 0.01% 100.00%$350,923 4,231HEALTHMARKETS GRP26484 2,6251.21% 0.01% 100.00%$338,780 31,707MULTINATIONAL GRP480485 31,70710.10% 0.01% 100.00%$337,945 457HCSC GRP91786 457162.35% 0.01% 100.00%$333,122 15,470AMFIRST HOLDINGS GRP471987 1209.89% 0.01% 100.00%$321,225 0COOPERATIVA DE SEGUROS DE VIDA7971588 03.36% 0.01% 100.00%$320,510 9,907HOMESHIELD CAPITAL GRP285889 81.00% 0.01% 100.00%$299,278 1,821BCBS OF MI GRP57290 1,06522.61% 0.01% 100.00%$276,541 0ROYAL STATE NATL INS CO LTD6855191 0(46.01)% 0.01% 100.00%$259,443 17,516ALLEGHANY GRP50192 12815.95% 0.01% 100.00%$258,040 0MICHIGAN FARM BUREAU GRP6793 76538.77% 0.01% 100.00%$245,933 93PAN AMER LIFE GRP52594 3557.27% 0.01% 100.00%$233,389 2,782UNITED HERITAGE MUT GRP287895 1,19624.85% 0.01% 100.00%$221,598 11,487FIRST NET INS CO1097296 1654.90% 0.01% 100.00%$161,294 0COLONIAL SAVINGS GRP87897 00.00% 0.00% 100.00%$161,051 1,268LINCOLN HERITAGE LIFE INS CO6592798 1,26899.92% 0.00% 100.00%$141,083 1,769RESERVOIR CAPITAL GRP476499 1,6791.12% 0.00% 100.00%$115,548 1,202MASS MUT LIFE INS GRP435100 63619.60% 0.00% 100.00%$102,614 1,317SENTRY INS GRP169101 1,317(262.39)% 0.00% 100.00%$101,049 7,723HORACE MANN GRP300102 7,293(0.57)% 0.00% 100.00%

$92,149 92AMALGAMATED LIFE & HLTH INS CO60208103 92345.56% 0.00% 100.00%$86,363 232KANSAS CITY LIFE INS GRP588104 61463.30% 0.00% 100.00%$68,823 130,856MISSOURI FARM BUREAU GRP514105 130,85668.29% 0.00% 100.00%$67,742 7,527STANDARD LIFE & CAS INS CO71706106 731.41% 0.00% 100.00%$42,167 0OKLAHOMA FARM BUREAU GRP220107 0100.58% 0.00% 100.00%$41,823 1,020GERMANIA INS GRP171108 7110.00% 0.00% 100.00%$38,306 588FARMERS INS GRP69109 1(15.29)% 0.00% 100.00%$27,784 0MOUNTAIN LIFE INS CO80020110 018.00% 0.00% 100.00%$24,638 30SAMMONS ENTERPRISES GRP431111 30607.90% 0.00% 100.00%

© 2019 National Association of Insurance Commissioners 198

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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

$22,145 44CNA INS GRP218112 61,375.66% 0.00% 100.00%$18,993 0ALLIANZ INS GRP761113 0(1,174.00)% 0.00% 100.00%$17,223 83PEKIN INS GRP153114 8330.48% 0.00% 100.00%$15,759 1,145WILTON RE GRP4213115 1,0873,873.86% 0.00% 100.00%$12,588 136BERKSHIRE HATHAWAY GRP31116 1369.67% 0.00% 100.00%$11,137 0AMERICAN FIN SECURITY LIFE INS CO69337117 00.00% 0.00% 100.00%$8,726 56JACKSON NATL GRP918118 56(48.05)% 0.00% 100.00%$7,800 0GREAT PLAINS CAS INC12982119 60.00% 0.00% 100.00%$7,698 365BENEFICIAL LIFE GRP615120 365(1.13)% 0.00% 100.00%$7,455 12DAILY UNDERWRITERS OF AMER35483121 12134.14% 0.00% 100.00%$3,550 449BEAZLEY INS CO INC37540122 409(9.77)% 0.00% 100.00%$2,927 0FOUNDATION LIFE INS CO OF AR83992123 0(104.30)% 0.00% 100.00%$1,136 7PROTECTIVE LIFE INS GRP458124 70.00% 0.00% 100.00%

$608 15MEDICAL MUT OF OH GRP730125 100.00% 0.00% 100.00%

$4,373,583,912 237,104,041GRAND TOTAL 84,788,27740.75% 100.00%

© 2019 National Association of Insurance Commissioners 199

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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

$755,464,588 3,136,175UNUM GRP5651 30,12665.04% 12.45% 12.45%$714,958,582 3,247,552LINCOLN NATL GRP202 1,138,59473.36% 11.78% 24.23%$532,221,929 2,215,549CIGNA HLTH GRP9013 4,84476.00% 8.77% 33.00%$494,801,973 2,576,886HARTFORD FIRE & CAS GRP914 74,58270.21% 8.15% 41.16%$401,120,270 2,023,053METROPOLITAN GRP2415 10,42069.46% 6.61% 47.77%$357,711,725 1,883,860GUARDIAN LIFE GRP4296 1,826,75362.49% 5.89% 53.66%$337,490,379 1,448,382MEIJI YASUDA LIFE INS GRP13487 1,272,32372.43% 5.56% 59.22%$317,719,091 0CVS GRP18 073.02% 5.24% 64.46%$296,196,347 1,239,294MUTUAL OF OMAHA GRP2619 1,239,29465.15% 4.88% 69.34%$225,972,508 760,684TOKIO MARINE HOLDINGS INC GRP309810 10,95666.77% 3.72% 73.06%$207,846,683 1,854,662PRUDENTIAL OF AMER GRP30411 1,38691.25% 3.43% 76.49%$203,415,881 1,519,779SUN LIFE ASSUR CO OF CN GRP54912 14,28471.13% 3.35% 79.84%$196,674,322 777,866PRINCIPAL FIN GRP33213 777,86657.50% 3.24% 83.08%$157,475,124 1,559,536SHELTERPOINT GRP INC480314 1,559,53653.85% 2.60% 85.68%

$66,000,961 267,422HCSC GRP91715 6,22962.11% 1.09% 86.76%$61,921,841 1,062,271GENEVE HOLDINGS INC GRP45016 1,062,27168.96% 1.02% 87.79%$60,677,454 213,308ONEAMERICA FIN PARTNERS GRP61917 213,30863.81% 1.00% 88.79%$57,258,270 92,702AMERICAN FIDELITY CORP GRP33018 92,64341.88% 0.94% 89.73%$54,286,318 119,244AFLAC GRP37019 119,23656.39% 0.89% 90.62%$51,021,364 123,888ASSURANT INC GRP1920 123,88852.35% 0.84% 91.46%$46,472,423 168,419ARKANSAS BCBS GRP87621 1,25563.55% 0.77% 92.23%$44,872,091 138,872VOYA FINANCIAL GRP483222 138,87261.06% 0.74% 92.97%$43,672,792 283,480SUMITOMO LIFE INS GRP485523 283,48073.22% 0.72% 93.69%$41,723,457 207,237ANTHEM INC GRP67124 54,59767.79% 0.69% 94.38%$41,664,944 91,425TRUSTMARK MUT HOLDING CO GRP27625 91,42551.43% 0.69% 95.06%$33,910,296 25,517UNITEDHEALTH GRP70726 25,51761.47% 0.56% 95.62%$33,042,021 72,594ALLSTATE INS GRP827 72,59442.53% 0.54% 96.17%$21,924,508 376,100ARCH INS GRP127928 11,88166.08% 0.36% 96.53%$21,020,609 78,273AEGON US HOLDING GRP46829 37,49132.61% 0.35% 96.87%$20,472,998 75,941BCBS OF SC GRP66130 75,94153.26% 0.34% 97.21%$15,082,699 58,021NORTHWESTERN MUT GRP86031 2,90353.10% 0.25% 97.46%$14,523,557 38,614BOSTON MUT GRP58132 38,61474.96% 0.24% 97.70%$14,258,227 27,370MANHATTAN LIFE GRP111733 27,36526.10% 0.23% 97.93%$11,958,240 106,778SECURITY MUT LIFE INS CO OF NY6877234 1,24177.37% 0.20% 98.13%$11,679,721 41,156KANSAS CITY LIFE INS GRP58835 41,15655.09% 0.19% 98.32%$11,594,889 135,078BERKSHIRE HATHAWAY GRP3136 20,91947.30% 0.19% 98.52%$9,229,503 59,706AXA INS GRP96837 59,70690.33% 0.15% 98.67%

© 2019 National Association of Insurance Commissioners 200

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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

$8,113,462 41,290CAMBIA HEALTH SOLUTIONS INC120738 41,29061.26% 0.13% 98.80%$7,696,342 51,262UNION LABOR GRP78139 51,26279.11% 0.13% 98.93%$6,070,392 27,811NATIONWIDE CORP GRP14040 1,46551.97% 0.10% 99.03%$4,889,063 0TRIPLE S GRP480241 051.16% 0.08% 99.11%$3,952,392 16,995BCS INS GRP2342 16,99510.94% 0.07% 99.17%$3,916,976 19,659AMALGAMATED LIFE INS CO6021643 3369.30% 0.06% 99.24%$3,612,625 18,816HOPMEADOW HOLDINGS GRP492644 40(1.70)% 0.06% 99.30%$3,567,252 129,407UNIVERSAL INS CO GRP7145 129,40734.49% 0.06% 99.36%$3,140,600 7,145ILLINOIS MUT LIFE INS CO6458046 7,14539.80% 0.05% 99.41%$3,130,403 14,746WISCONSIN PHYSICIANS SERV INS GRP6847 74161.51% 0.05% 99.46%$3,017,721 12,566MULTINATIONAL GRP480448 12,56647.48% 0.05% 99.51%$2,819,575 11,501GUIDEWELL MUT HOLDING GRP53649 3445.00% 0.05% 99.56%$2,533,171 9,618MEDICAL MUT OF OH GRP73050 9,61873.81% 0.04% 99.60%$2,497,415 1,777CONTINENTAL GEN INS CO7140451 1,77755.71% 0.04% 99.64%$2,350,096 6,034ASSURITY GRP486252 6,03250.89% 0.04% 99.68%$2,017,925 10,857BCBS OF KS GRP43053 40555.61% 0.03% 99.71%$1,993,059 0COOPERATIVA DE SEGUROS DE VIDA7971554 027.28% 0.03% 99.74%$1,930,926 14,855ZURICH INS GRP21255 13,57879.78% 0.03% 99.78%$1,832,095 3,006FIDELITY SECURITY GRP45156 3,006(9.21)% 0.03% 99.81%$1,571,093 6,753UNITED HERITAGE MUT GRP287857 6,64456.23% 0.03% 99.83%$1,339,980 3,669AMERICAN NATL FIN GRP40858 3,58386.37% 0.02% 99.85%$1,337,234 814FINANCIAL HOLDINGS GRP44959 8309.34% 0.02% 99.88%

$713,849 2,455CNO FINANCIAL GRP23360 2,45528.41% 0.01% 99.89%$689,445 4,024NIPPON LIFE INS CO OF AMER8126461 4,02464.61% 0.01% 99.90%$638,938 0LOUISIANA HLTH SERV GRP43862 045.01% 0.01% 100.00%$637,816 1,925HEALTHMARKETS GRP26463 1,92514.23% 0.01% 100.00%$583,921 1,499NEW ERA LIFE GRP52064 3868.81% 0.01% 100.00%$582,209 0SENTRY INS GRP16965 039.38% 0.01% 100.00%$469,850 1,231CHEROKEE INS CO1064266 866.55% 0.01% 100.00%$464,590 4,090MINNESOTA MUT GRP86967 11286.71% 0.01% 100.00%$392,821 837HORACE MANN GRP30068 83722.70% 0.01% 100.00%$381,359 1,603EMC NATL LIFE CO6292869 1,60345.69% 0.01% 100.00%$376,869 1,777HUMANA GRP11970 1,69329.74% 0.01% 100.00%$277,438 1,010KEMPER CORP GRP21571 1,010161.14% 0.00% 100.00%$206,460 0CENTRAL STATES GRP69072 023.30% 0.00% 100.00%$127,902 44AMERICAN INTL GRP1273 44(138.70)% 0.00% 100.00%$113,236 60NATIONAL GUARDIAN LIFE INS GRP121174 60(20.25)% 0.00% 100.00%

© 2019 National Association of Insurance Commissioners 201

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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

$107,951 0USIC GRP359375 0(18.74)% 0.00% 100.00%$100,391 1,153KERNAN GRP338476 2178.65% 0.00% 100.00%

$78,191 191US ALLIANCE CORP GRP490077 19122.75% 0.00% 100.00%$77,065 564APOLLO GLOBAL MGMT GRP473478 379(66.23)% 0.00% 100.00%$70,148 252US HLTH & LIFE INS CO INC9777279 20.00% 0.00% 100.00%$69,710 155TOWN & COUNTRY LIFE INS CO7767480 123.18% 0.00% 100.00%$63,991 254PEKIN INS GRP15381 25452.53% 0.00% 100.00%$46,582 63PAN AMER LIFE GRP52582 4933.00% 0.00% 100.00%$42,009 95MEDICAL BENEFITS MUT LIFE INS CO7432283 9553.20% 0.00% 100.00%$34,922 347AMERICAN ENTERPRISE MUT GRP352784 34754.42% 0.00% 100.00%$28,644 85COUNTRY INS & FIN SERV GRP5085 85100.87% 0.00% 100.00%$27,876 0AMFIRST HOLDINGS GRP471986 074.26% 0.00% 100.00%$27,450 45AMALGAMATED LIFE & HLTH INS CO6020887 45144.40% 0.00% 100.00%$25,561 32ATLANTIC AMER GRP58788 32(43.05)% 0.00% 100.00%$15,232 64BEST LIFE & HLTH INS CO9063889 6468.47% 0.00% 100.00%$13,440 69MISSISSIPPI INS GRP112690 13345.63% 0.00% 100.00%$11,481 245RENAISSANCE HLTH SERV CORP GRP47791 10652.75% 0.00% 100.00%$10,046 37FEDERAL LIFE INS CO6322392 379.59% 0.00% 100.00%

$9,801 10PROTECTIVE LIFE INS GRP45893 100.00% 0.00% 100.00%$7,869 0COLONIAL SAVINGS GRP87894 022.11% 0.00% 100.00%$6,546 26WMI MUT INS CO6842095 26146.56% 0.00% 100.00%$6,507 92SOUTHERN FARM BUREAU LIFE INS CO6889696 9249.75% 0.00% 100.00%$5,973 44AXIS CAPITAL GRP341697 70989.40% 0.00% 100.00%$3,082 0BALTIMORE LIFE INS CO6121298 0359.70% 0.00% 100.00%$1,158 0STATE FARM GRP17699 0(17,916.84)% 0.00% 100.00%$1,128 0CUNA MUT GRP306100 011,158.42% 0.00% 100.00%

$568 15RGA INC GRP4639101 150.00% 0.00% 100.00%

$6,068,218,337 28,539,668GRAND TOTAL 10,885,67167.99% 100.00%

© 2019 National Association of Insurance Commissioners 202

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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

$1,767,026,567 5,703,250UNUM GRP5651 42,27477.32% 13.48% 13.48%$1,597,273,947 7,270,462LINCOLN NATL GRP202 4,855,08684.82% 12.19% 25.67%$1,520,739,641 6,342,026CIGNA HLTH GRP9013 9,41370.15% 11.60% 37.27%$1,445,671,416 4,226,491METROPOLITAN GRP2414 12,87288.76% 11.03% 48.30%$1,136,327,374 4,522,081HARTFORD FIRE & CAS GRP915 15,14973.70% 8.67% 56.96%

$866,653,582 3,188,922MEIJI YASUDA LIFE INS GRP13486 3,180,64677.05% 6.61% 63.58%$723,726,784 2,761,767PRUDENTIAL OF AMER GRP3047 1,65585.21% 5.52% 69.10%$603,043,869 0CVS GRP18 094.01% 4.60% 73.70%$451,595,641 1,842,161GUARDIAN LIFE GRP4299 1,842,16163.97% 3.45% 77.14%$440,396,690 1,751,824TOKIO MARINE HOLDINGS INC GRP309810 16,585110.16% 3.36% 80.50%$439,600,941 1,633,715SUN LIFE ASSUR CO OF CN GRP54911 18,20182.61% 3.35% 83.86%$335,953,788 546,878AMERICAN FIDELITY CORP GRP33012 546,56552.07% 2.56% 86.42%$326,867,750 1,564,687MUTUAL OF OMAHA GRP26113 1,564,68071.51% 2.49% 88.91%$306,038,521 1,112,095PRINCIPAL FIN GRP33214 1,112,09570.74% 2.33% 91.25%$158,640,333 144,839NEW YORK LIFE GRP82615 143,61864.01% 1.21% 92.46%$124,578,984 219,735ASSURANT INC GRP1916 219,71253.81% 0.95% 93.41%$103,093,019 174,131NORTHWESTERN MUT GRP86017 10,42839.16% 0.79% 94.19%

$82,980,767 370,332HCSC GRP91718 3,72598.03% 0.63% 94.83%$82,037,440 409,083VOYA FINANCIAL GRP483219 409,08369.43% 0.63% 95.45%$71,594,756 571,736SUMITOMO LIFE INS GRP485520 571,73673.72% 0.55% 96.00%$67,934,412 370,724GENEVE HOLDINGS INC GRP45021 370,72440.45% 0.52% 96.52%$64,442,756 353,151ANTHEM INC GRP67122 82,71664.77% 0.49% 97.01%$64,349,890 330,614ONEAMERICA FIN PARTNERS GRP61923 330,61465.47% 0.49% 97.50%$51,994,925 91,891UNITEDHEALTH GRP70724 91,92656.31% 0.40% 97.90%$41,556,931 175,635ARKANSAS BCBS GRP87625 46565.06% 0.32% 98.21%$40,419,805 0GREAT WEST GRP76926 0105.14% 0.31% 98.52%$20,006,690 80,411ZURICH INS GRP21227 87,01346.87% 0.15% 98.67%$19,292,453 46,325BOSTON MUT GRP58128 46,32567.72% 0.15% 98.82%$14,343,744 57,271KANSAS CITY LIFE INS GRP58829 57,27164.13% 0.11% 98.93%$13,959,056 46,748HOPMEADOW HOLDINGS GRP492630 13683.29% 0.11% 99.04%$13,182,961 64,435CAMBIA HEALTH SOLUTIONS INC120731 64,43575.71% 0.10% 99.14%$13,142,784 75,146AXA INS GRP96832 75,146102.93% 0.10% 99.24%$11,736,117 5,833AMERICAN INTL GRP1233 5,833(141.74)% 0.09% 99.33%$9,474,483 37,082BCBS OF SC GRP66134 37,08245.18% 0.07% 99.40%$8,162,092 6,017PENN MUT GRP85035 6,017228.65% 0.06% 99.46%$7,449,372 8,718MINNESOTA MUT GRP86936 4,52766.58% 0.06% 99.52%$7,278,232 31,221NATIONWIDE CORP GRP14037 1,32330.70% 0.06% 99.57%

© 2019 National Association of Insurance Commissioners 203

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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

$4,708,287 1,181FIDELITY SECURITY GRP45138 1,1818.35% 0.04% 99.61%$3,903,705 16,495GUIDEWELL MUT HOLDING GRP53639 12516.18% 0.03% 99.64%$3,676,704 17,443SECURITY MUT LIFE INS CO OF NY6877240 44364.00% 0.03% 99.67%$3,597,836 15,968UNITED HERITAGE MUT GRP287841 15,96868.72% 0.03% 99.70%$3,328,060 10,531AFLAC GRP37042 9,29226.89% 0.03% 99.72%$3,079,598 19,966UNIVERSAL INS CO GRP7143 19,96655.35% 0.02% 99.74%$2,987,787 6,632MUTUAL OF AMER LIFE INS CO8866844 6,63236.79% 0.02% 99.77%$2,835,489 0TRIPLE S GRP480245 071.77% 0.02% 99.79%$2,821,865 5,227TRUSTMARK MUT HOLDING CO GRP27646 5,22720.82% 0.02% 99.81%$2,749,688 27,819SENTRY INS GRP16947 27,819(2.44)% 0.02% 99.83%$2,716,424 15,196MEDICAL MUT OF OH GRP73048 15,19614.48% 0.02% 99.85%$2,685,305 14,910WISCONSIN PHYSICIANS SERV INS GRP6849 389139.37% 0.02% 99.87%$2,148,072 4,049CINCINNATI FIN GRP24450 4,04951.31% 0.02% 99.89%$2,007,767 4,819AUTO OWNERS GRP28051 4,81973.78% 0.02% 100.00%$1,913,718 3,664SOUTHERN FARM BUREAU LIFE INS CO6889652 3,66487.67% 0.01% 100.00%$1,821,073 5,122COUNTRY INS & FIN SERV GRP5053 5,122(36.42)% 0.01% 100.00%$1,253,529 24NATIONAL GUARDIAN LIFE INS GRP121154 2429.88% 0.01% 100.00%$1,221,879 4,656NIPPON LIFE INS CO OF AMER8126455 4,65693.21% 0.01% 100.00%$1,189,207 8,223BCBS OF KS GRP43056 18572.81% 0.01% 100.00%$1,082,349 6,038LIBERTY MUT GRP11157 3781.33% 0.01% 100.00%$1,039,253 0LOUISIANA HLTH SERV GRP43858 063.47% 0.01% 100.00%

$993,825 8,039MULTINATIONAL GRP480459 8,039(493.31)% 0.01% 100.00%$981,007 3,759HORACE MANN GRP30060 3,75925.27% 0.01% 100.00%$926,818 2,587ALLSTATE INS GRP861 2,58733.50% 0.01% 100.00%$825,272 108HUMANA GRP11962 10825.97% 0.01% 100.00%$638,290 64AMERICAN NATL FIN GRP40863 6485.00% 0.00% 100.00%$609,457 12CNO FINANCIAL GRP23364 1236.91% 0.00% 100.00%$516,732 2,336EMC NATL LIFE CO6292865 2,33638.50% 0.00% 100.00%$449,580 405PROTECTIVE LIFE INS GRP45866 40510.78% 0.00% 100.00%$228,647 586SHELTERPOINT GRP INC480367 5866.15% 0.00% 100.00%$218,054 629UNION LABOR GRP78168 629(28.02)% 0.00% 100.00%$213,956 575MISSOURI FARM BUREAU GRP51469 57597.17% 0.00% 100.00%$180,602 160WEST SOUTHERN GRP83670 160472.94% 0.00% 100.00%$178,701 671ASSURITY GRP486271 63421.30% 0.00% 100.00%$147,209 230US ALLIANCE CORP GRP490072 23022.75% 0.00% 100.00%$136,378 0ALLIANZ INS GRP76173 016.41% 0.00% 100.00%$128,186 0COOPERATIVA DE SEGUROS DE VIDA7971574 0(29.42)% 0.00% 100.00%

© 2019 National Association of Insurance Commissioners 204

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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

$109,516 10ROYAL STATE NATL INS CO LTD6855175 2(18.87)% 0.00% 100.00%$98,120 256CHEROKEE INS CO1064276 19126.24% 0.00% 100.00%$67,805 0USIC GRP359377 0(138.66)% 0.00% 100.00%$62,043 281PEKIN INS GRP15378 28147.33% 0.00% 100.00%$58,549 28BALTIMORE LIFE INS CO6121279 28359.77% 0.00% 100.00%$42,233 81INVESTORS HERITAGE LIFE INS CO6490480 1194.00% 0.00% 100.00%$38,922 75AMALGAMATED LIFE INS CO6021681 3(22.66)% 0.00% 100.00%$38,396 330ECG GRP482682 1183.13% 0.00% 100.00%$32,476 0BENEFICIAL LIFE GRP61583 0(11.54)% 0.00% 100.00%$31,944 78WILTON RE GRP421384 78172.05% 0.00% 100.00%$25,278 15AMERICAN ENTERPRISE MUT GRP352785 1554.42% 0.00% 100.00%$17,288 15UNIFIED LIFE INS CO1112186 150.00% 0.00% 100.00%$16,914 88TIPTREE FIN GRP471887 8812.66% 0.00% 100.00%$16,708 186ILLINOIS MUT LIFE INS CO6458088 186(808.03)% 0.00% 100.00%$15,815 23BEST LIFE & HLTH INS CO9063889 230.00% 0.00% 100.00%$10,268 72FIDELITY LIFE ASSN A LEGAL RESERVE L6329090 010.15% 0.00% 100.00%

$9,456 245RENAISSANCE HLTH SERV CORP GRP47791 13254.92% 0.00% 100.00%$7,749 0GROUP ONE THOUSAND ONE GRP479492 01,785.02% 0.00% 100.00%$7,612 16JACKSON NATL GRP91893 16285.39% 0.00% 100.00%$7,201 10AMERIPRISE FIN GRP494 101.83% 0.00% 100.00%$2,209 16CUNA MUT GRP30695 1695.65% 0.00% 100.00%$2,079 23SAGICOR LIFE INS CO6044596 23(13.42)% 0.00% 100.00%$1,744 6SAMMONS ENTERPRISES GRP43197 63,575.69% 0.00% 100.00%$1,585 0PAN AMER LIFE GRP52598 08,844.35% 0.00% 100.00%$1,243 4,508JOHN HANCOCK GRP90499 4,266(62,540.31)% 0.00% 100.00%

$600 2KEMPER CORP GRP215100 2(6,181.50)% 0.00% 100.00%$1 12GENERAL ELECTRIC GRP350101 125,718,000.00% 0.00% 100.00%

$13,108,392,559 46,360,413GRAND TOTAL 15,995,84078.11% 100.00%

© 2019 National Association of Insurance Commissioners 205

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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

$903,882,702 584,069JOHN HANCOCK GRP9041 584,06955.83% 37.65% 37.65%$370,021,546 827,547UNUM GRP5652 6,380152.06% 15.41% 53.07%$296,705,401 192,404GENWORTH FIN GRP40113 184,454147.02% 12.36% 65.43%$288,878,700 268,297METROPOLITAN GRP2414 263185.95% 12.03% 77.46%$201,827,045 134,362PRUDENTIAL OF AMER GRP3045 611481.90% 8.41% 85.87%$186,774,586 172,090CNA INS GRP2186 172,12886.01% 7.78% 93.65%

$33,252,492 17,633AEGON US HOLDING GRP4687 17,223214.47% 1.39% 95.03%$25,306,977 20,402MUTUAL OF OMAHA GRP2618 20,402158.32% 1.05% 96.09%$18,392,238 26,387LIFETIME HLTHCARE GRP11869 20,627604.07% 0.77% 96.85%$17,114,200 10,791CONTINENTAL GEN INS CO7140410 10,791161.65% 0.71% 97.56%$11,428,390 4,573AMERIPRISE FIN GRP411 4,573160.35% 0.48% 98.04%$8,407,289 5,972GUIDEWELL MUT HOLDING GRP53612 5,972265.87% 0.35% 98.39%$7,859,531 4,369BCBS OF AL GRP57013 4,369157.27% 0.33% 98.72%$3,431,697 1,964CNO FINANCIAL GRP23314 1,962391.94% 0.14% 98.86%$3,302,652 4,119NEW YORK LIFE GRP82615 4,119495.58% 0.14% 99.00%$3,188,051 0CVS GRP116 0704.92% 0.13% 99.13%$2,487,647 1,538HOPMEADOW HOLDINGS GRP492617 1280.31% 0.10% 99.24%$2,277,697 2,289AMERICAN FIDELITY CORP GRP33018 2,289144.39% 0.09% 99.33%$2,007,955 1,570SENTRY INS GRP16919 1,570401.51% 0.08% 99.41%$1,584,029 1,588ALLSTATE INS GRP820 1,20122.06% 0.07% 99.48%$1,581,406 1,034PREMERA BLUE CROSS GRP96221 1,034181.80% 0.07% 99.55%$1,573,008 1,262GLOBAL ATLANTIC GRP389122 938107.77% 0.07% 99.61%$1,420,161 1,531BRIGHTHOUSE HOLDINGS GRP493223 1,531111.45% 0.06% 99.67%$1,135,552 2,927PRINCIPAL FIN GRP33224 2,927478.03% 0.05% 99.72%$1,072,225 13,152WEA GRP493925 8,2131,390.63% 0.04% 99.76%$1,051,565 2,377CIGNA HLTH GRP90126 2,377516.85% 0.04% 99.81%

$983,943 26,033FIDELITY LIFE ASSN A LEGAL RESERVE L6329027 052.92% 0.04% 99.85%$869,503 604BCBS OF NC GRP75828 604105.76% 0.04% 99.88%$821,691 892SENIOR HLTH INS CO OF PA7632529 892709.11% 0.03% 100.00%$473,274 70WEST SOUTHERN GRP83630 4(9.52)% 0.02% 100.00%$363,666 375AMERICAN ENTERPRISE MUT GRP352731 301(830.65)% 0.02% 100.00%$291,169 221TIAA FAMILY GRP121632 22151.10% 0.01% 100.00%$245,542 346BCBS OF NE GRP485833 346477.12% 0.01% 100.00%$178,328 106ONEAMERICA FIN PARTNERS GRP61934 1447.78% 0.01% 100.00%

$81,975 115AMERICAN FINANCIAL GRP8435 115163.18% 0.00% 100.00%$81,289 215ALLIANZ INS GRP76136 215304.12% 0.00% 100.00%$57,846 187HIGHMARK GRP81237 1873,858.21% 0.00% 100.00%

© 2019 National Association of Insurance Commissioners 206

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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

$49,918 25WELLCARE GRP119938 252,243.63% 0.00% 100.00%$48,986 60VOYA FINANCIAL GRP483239 6073.05% 0.00% 100.00%$29,861 92TRUSTMARK MUT HOLDING CO GRP27640 92(46.89)% 0.00% 100.00%$26,464 19KAISER FOUNDATION GRP60141 194,448.57% 0.00% 100.00%$21,433 18APOLLO GLOBAL MGMT GRP473442 11,070.98% 0.00% 100.00%$10,616 15AMERICAN INTL GRP1243 15833.93% 0.00% 100.00%

$8,897 18HCSC GRP91744 176,649.08% 0.00% 100.00%$4,555 10SAGICOR LIFE INS CO6044545 10249.29% 0.00% 100.00%$3,738 8PROTECTIVE LIFE INS GRP45846 8390.05% 0.00% 100.00%$3,386 7MINNESOTA MUT GRP86947 3(417.90)% 0.00% 100.00%$1,944 5UNITED SECURITY ASSUR CO OF PA4212948 5(16,553.40)% 0.00% 100.00%

$284 3CAMBIA HEALTH SOLUTIONS INC120749 33.87% 0.00% 100.00%

$2,400,623,050 2,333,691GRAND TOTAL 1,063,168149.59% 100.00%

© 2019 National Association of Insurance Commissioners 207

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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)

$6,627,853,693 2,754,565UNITEDHEALTH GRP7071 2,754,56779.65% 88.72% 88.72%$147,572,427 63,155AEGON US HOLDING GRP4682 61,58781.31% 1.98% 90.70%

$84,780,039 23,738ANTHEM INC GRP6713 23,02880.45% 1.13% 91.83%$69,771,000 23,606BCBS OF MA GRP36374 23,60678.58% 0.93% 92.76%$50,696,315 14,981AMERICAN ENTERPRISE MUT GRP35275 15,88080.27% 0.68% 93.44%$47,253,220 18,270PREMERA BLUE CROSS GRP9626 18,27071.45% 0.63% 94.08%$42,851,870 12,003PRINCIPAL FIN GRP3327 11,17979.44% 0.57% 94.65%$40,284,475 8,560HARVARD PILGRIM HLTH CARE GRP5958 8,56081.39% 0.54% 95.19%$38,732,278 17,971HIGHMARK GRP8129 17,57274.09% 0.52% 95.71%$37,269,056 8,457BCBS OF NE GRP485810 8,45769.05% 0.50% 96.21%$28,636,138 9,471MUTUAL OF OMAHA GRP26111 9,47087.13% 0.38% 96.59%$27,945,226 9,876CNO FINANCIAL GRP23312 9,65887.10% 0.37% 96.96%$21,124,845 8,276BCBS OF KS GRP43013 8,27683.07% 0.28% 97.25%$18,863,427 36,608HOPMEADOW HOLDINGS GRP492614 5559.90% 0.25% 97.50%$18,109,648 8,201BCBS OF MN GRP46115 8,20189.06% 0.24% 97.74%$17,288,091 7,473BCBS OF RI5347316 7,47378.80% 0.23% 97.97%$15,531,623 14,525INDEPENDENCE HLTH GRP INC GRP93617 14,07876.50% 0.21% 98.18%$15,292,853 6,993TUFTS GRP474218 6,99381.82% 0.20% 98.38%$14,074,992 5,762TORCHMARK CORP GRP29019 5,76276.36% 0.19% 98.57%$13,267,304 4,268GGC GRP473620 4,26388.65% 0.18% 98.75%$12,413,128 6,838CVS GRP121 6,83879.41% 0.17% 98.92%$10,008,304 4,178WELLMARK INC GRP77022 4,17872.26% 0.13% 99.05%

$8,868,963 2,290HCSC GRP91723 2,28677.56% 0.12% 99.17%$8,569,448 3,376LIFETIME HLTHCARE GRP118624 3,37674.84% 0.11% 99.28%$8,169,512 3,843HEARTLAND NATL LIFE INS CO6621425 3,84384.50% 0.11% 99.39%$7,972,463 2,363AMERICAN NATL FIN GRP40826 2,36377.88% 0.11% 99.50%$5,751,783 1,997CIGNA HLTH GRP90127 27149.30% 0.08% 99.58%$4,637,971 2,580SANFORD HLTH GRP124628 2,580141.05% 0.06% 99.64%$4,103,494 23,086HARTFORD FIRE & CAS GRP9129 17092.24% 0.05% 99.69%$3,038,306 1,709MERCY HLTH CORP GRP359530 099.28% 0.04% 99.74%$2,993,632 1,547TENNESSEE RURAL HLTH GRP467731 1,54784.32% 0.04% 99.78%$2,826,424 710AMERCO CORP GRP57432 71068.60% 0.04% 99.81%$2,356,414 912AMALGAMATED LIFE & HLTH INS CO6020833 80156.04% 0.03% 99.84%$2,030,646 690MEDICAL MUT OF OH GRP73034 69086.82% 0.03% 99.87%$1,944,786 617CENTRAL STATES GRP69035 61782.15% 0.03% 99.90%$1,589,602 743CAMBIA HEALTH SOLUTIONS INC120736 74372.10% 0.02% 100.00%$1,213,417 459PHYSICIANS MUT GRP36737 45974.47% 0.02% 100.00%

© 2019 National Association of Insurance Commissioners 208

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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)

$1,175,493 628BCBS OF VT GRP474538 62882.44% 0.02% 100.00%$1,152,163 388BCBS OF TN GRP349839 38869.79% 0.02% 100.00%

$672,260 162CONTINENTAL GEN INS CO7140440 16464.50% 0.01% 100.00%$355,043 0ISMIE GRP235841 066.49% 0.00% 100.00%$316,622 93WELLCARE GRP119942 9391.36% 0.00% 100.00%$263,520 61GUARANTEE TRUST GRP68743 6136.59% 0.00% 100.00%$222,423 71AFLAC GRP37044 7167.99% 0.00% 100.00%$176,783 80UNION LABOR GRP78145 80133.45% 0.00% 100.00%$176,531 57GENERAL ELECTRIC GRP35046 5765.79% 0.00% 100.00%$127,149 62RENOWN HLTH GRP479147 62128.77% 0.00% 100.00%$109,073 62ALLIANZ INS GRP76148 62173.93% 0.00% 100.00%

$57,114 25FARMERS INS GRP6949 259.00% 0.00% 100.00%$6,374 2MISSISSIPPI INS GRP112650 218.62% 0.00% 100.00%$5,640 3VOYA FINANCIAL GRP483251 394.50% 0.00% 100.00%$4,186 0CUNA MUT GRP30652 01.91% 0.00% 100.00%$1,267 1AMERICAN INTL GRP1253 148.62% 0.00% 100.00%

$997 2PRIMERICA GRP475054 20.00% 0.00% 100.00%$891 1GREAT WEST GRP76955 1477.89% 0.00% 100.00%

$7,470,510,342 3,116,400GRAND TOTAL 3,049,84579.69% 100.00%

© 2019 National Association of Insurance Commissioners 209

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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

$9,176,180,263 1,295,681ANTHEM INC GRP6711 582,84492.11% 22.55% 22.55%$5,262,146,770 787,334HCSC GRP9172 365,29792.66% 12.93% 35.49%$3,995,052,533 624,269CAREFIRST INC GRP3803 314,64091.94% 9.82% 45.31%$2,465,374,101 366,684GUIDEWELL MUT HOLDING GRP5364 186,71592.09% 6.06% 51.37%$1,620,671,856 242,047KAISER FOUNDATION GRP6015 120,99886.68% 3.98% 55.35%$1,620,046,533 134,515CVS GRP16 59,23685.73% 3.98% 59.33%$1,477,849,097 306,067HIGHMARK GRP8127 156,24892.53% 3.63% 62.96%$1,193,573,413 163,269BCBS OF NC GRP7588 81,46090.12% 2.93% 65.90%$1,108,052,774 217,647CAMBIA HEALTH SOLUTIONS INC12079 105,41492.61% 2.72% 68.62%

$874,479,551 147,737PREMERA BLUE CROSS GRP96210 70,66594.49% 2.15% 70.77%$839,696,636 124,558BCBS OF NJ GRP120211 61,15093.22% 2.06% 72.84%$791,936,445 142,943BCBS OF AL GRP57012 71,23795.03% 1.95% 74.78%$765,536,736 115,625BCBS OF MA GRP363713 56,55795.82% 1.88% 76.66%$702,657,403 100,457BCBS OF TN GRP349814 49,24691.90% 1.73% 78.39%$653,425,271 111,766BCBS OF MI GRP57215 52,50289.57% 1.61% 80.00%$636,462,593 110,845BCBS OF AZ INC5358916 51,50289.57% 1.56% 81.56%$587,417,145 78,912BCBS OF MN GRP46117 41,47192.27% 1.44% 83.00%$555,955,780 81,384BCBS OF SC GRP66118 41,15791.87% 1.37% 84.37%$503,145,692 81,996UNITEDHEALTH GRP70719 40,65284.15% 1.24% 85.61%$429,390,370 68,699LOUISIANA HLTH SERV GRP43820 32,38689.81% 1.06% 86.66%$422,410,713 73,844WELLMARK INC GRP77021 34,60290.18% 1.04% 87.70%$375,102,673 65,915HAWAII MEDICAL SERV ASSN4994822 33,25588.58% 0.92% 88.62%$358,716,440 44,332BCBS OF KC GRP53723 21,41092.75% 0.88% 89.51%$344,329,376 64,282MISSISSIPPI INS GRP112624 31,90992.09% 0.85% 90.35%$297,848,161 92,727CAPITAL BLUE CROSS GRP123025 38,63491.78% 0.73% 91.08%$288,639,024 76,486INDEPENDENCE HLTH GRP INC GRP93626 41,67695.81% 0.71% 91.79%$279,097,279 213,339HUMANA GRP11927 96,98683.14% 0.69% 92.48%$271,479,207 25,459EMBLEM HLTH GRP112728 18,28989.32% 0.67% 93.15%$266,823,677 65,882ARKANSAS BCBS GRP87629 24,75787.76% 0.66% 93.80%$261,535,450 35,025BCBS OF NE GRP485830 15,82290.91% 0.64% 94.44%$235,691,044 44,453BCBS OF KS GRP43031 20,97892.36% 0.58% 95.02%$188,749,302 34,848BLUE CROSS OF ID GRP129032 15,94191.79% 0.46% 95.49%$185,075,111 33,840LIFETIME HLTHCARE GRP118633 16,53391.72% 0.45% 95.94%$160,761,433 0TRIPLE S GRP480234 089.86% 0.40% 96.34%$128,426,740 22,236BCBS OF RI5347335 11,23987.79% 0.32% 96.65%$125,419,050 19,363NORIDIAN MUT INS CO5589136 8,85790.47% 0.31% 96.96%$114,299,768 15,042HENRY FORD HLTH SYSTEM GRP131137 8,36095.00% 0.28% 97.24%

© 2019 National Association of Insurance Commissioners 210

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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

$112,217,809 16,896BCBS OF WY5376738 8,10085.88% 0.28% 97.52%$108,326,687 24,450MVP GRP119839 14,23095.46% 0.27% 97.79%$103,953,597 312,218DENTEGRA GRP247940 155,18281.14% 0.26% 98.04%

$87,603,194 5,926PRESBYTERIAN HLTHCARE SERV GRP48141 11,73991.95% 0.22% 98.26%$86,030,665 14,503BCBS OF VT GRP474542 6,95891.97% 0.21% 98.47%$82,571,124 28,288HEALTH NOW NY INC5520443 12,47081.38% 0.20% 98.67%$75,361,778 9,549INDEPENDENT HLTH ASSN GRP489444 6,17793.83% 0.19% 98.86%$70,064,078 9,668UPMC HLTH SYSTEM GRP132445 5,66689.21% 0.17% 99.03%$66,721,811 9,306CDPHP INC GRP470846 5,701100.26% 0.16% 99.19%$51,424,130 10,995HEALTHPARTNERS GRP125847 6,21893.07% 0.13% 99.32%$48,153,467 10,755IHC INC GRP88048 3,42299.58% 0.12% 99.44%$30,127,693 3,812GROUP HLTH COOP OF S CENTRAL WI9531149 2,250108.44% 0.07% 99.51%$28,710,950 3,357DEAN HLTH GRP129450 1,85093.22% 0.07% 99.58%$23,300,419 2,520MEDICAL MUT OF OH GRP73051 1,720117.17% 0.06% 99.64%$21,675,372 2,167CENTENE CORP GRP129552 1,47174.69% 0.05% 99.69%$19,513,138 2,952SPECTRUM HLTH GRP338353 1,311101.53% 0.05% 99.74%$19,457,374 3,127SENTARA HLTH MGMT GRP118354 1,55080.43% 0.05% 99.79%$16,426,216 2,399AVMED INC9526355 1,29788.69% 0.04% 99.83%$14,852,159 1,646AULTMAN HLTH FOUNDATION GRP480556 1,02081.28% 0.04% 99.86%$13,505,445 1,794CARLE HOLDING CO GRP119257 1,18687.32% 0.03% 99.90%$11,388,392 2,324GLOBALHEALTH INC1366758 1,07084.16% 0.03% 100.00%$10,296,740 1,484SCOTT & WHITE GRP60059 67765.12% 0.03% 100.00%

$7,023,121 993GEISINGER INS GRP114360 59291.23% 0.02% 100.00%$5,726,811 747UNION HLTH SERV INC5255361 1115.81% 0.01% 100.00%$3,147,533 580CATHOLIC HLTH INITIATIVES GRP480762 25982.73% 0.01% 100.00%$2,745,434 9,540OREGON DENTAL GRP131363 5,29492.07% 0.01% 100.00%$1,354,427 172MERCY HLTH CORP GRP359564 075.79% 0.00% 100.00%

$40,685,134,974 6,721,676GRAND TOTAL 3,238,03691.46% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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

$33,810,484 0DELTA DENTAL PLAN OF MO GRP36801 098.41% 53.56% 53.56%$17,607,988 49,652OREGON DENTAL GRP13132 27,60598.52% 27.89% 81.46%$11,706,430 0CORVESTA GRP47293 098.86% 18.54% 100.00%

$63,124,902 50,065GRAND TOTAL 27,61898.52% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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

$4,344,523,749 9,470,712METROPOLITAN GRP2411 58,45679.36% 17.80% 17.80%$2,017,655,768 5,310,372GUARDIAN LIFE GRP4292 2,799,79766.08% 8.27% 26.07%$1,796,499,263 5,028,236CIGNA HLTH GRP9013 83,63678.38% 7.36% 33.43%$1,506,776,764 4,811,269DENTEGRA GRP24794 1,777,93273.17% 6.17% 39.60%$1,414,217,881 4,700,510RENAISSANCE HLTH SERV CORP GRP4775 2,649,03481.77% 5.79% 45.40%$1,276,235,810 4,386,804HIGHMARK GRP8126 2,330,25789.49% 5.23% 50.63%$1,254,903,818 498,451CVS GRP17 181,71973.65% 5.14% 55.77%

$993,615,780 2,888,549UNITEDHEALTH GRP7078 1,627,41672.63% 4.07% 59.84%$779,405,726 2,092,843PRINCIPAL FIN GRP3329 1,116,68963.54% 3.19% 63.04%$650,560,715 1,783,372ANTHEM INC GRP67110 970,06371.24% 2.67% 65.70%$614,832,416 939,568AMERITAS MUT HOLDING GRP94311 22,18966.46% 2.52% 68.22%$529,597,053 1,820,055HUMANA GRP11912 1,018,75567.85% 2.17% 70.39%$445,483,729 976,143DELTA DENTAL OF WA4734113 4,56384.12% 1.83% 72.22%$340,282,397 692,635BCBS OF MA GRP363714 346,52272.16% 1.39% 73.61%$298,554,572 454,046LINCOLN NATL GRP2015 6,36175.24% 1.22% 74.83%$297,217,613 699,277ASSURANT INC GRP1916 368,24467.72% 1.22% 76.05%$244,228,707 509,612DENTAQUEST GRP451217 3,35175.31% 1.00% 77.05%$235,649,713 735,325HCSC GRP91718 396,55069.00% 0.97% 78.02%$230,342,891 664,393CORVESTA GRP472919 354,96477.92% 0.94% 78.96%$211,936,930 541,048DELTA DENTAL OF WI GRP384920 251,36079.76% 0.87% 79.83%$207,921,964 544,461DELTA DENTAL PLAN OF IL GRP11521 279,21378.39% 0.85% 80.68%$201,153,442 638,099BCBS OF SC GRP66122 346,40772.42% 0.82% 81.51%$193,615,792 82,821KAISER FOUNDATION GRP60123 60,24280.89% 0.79% 82.30%$185,509,996 673,428DELTA DENTAL PLAN OF AR INC4715524 493,12480.53% 0.76% 83.06%$183,396,250 889,987UNUM GRP56525 483,54468.98% 0.75% 83.81%$177,769,971 459,905DELTA DENTAL OF RI GRP157126 6,45679.39% 0.73% 84.54%$175,743,535 557,965COLORADO DENTAL SERV INC5587527 6,24280.15% 0.72% 85.26%$167,450,145 597,227EMBLEM HLTH GRP112728 280,82681.26% 0.69% 85.95%$151,578,842 296,391MEIJI YASUDA LIFE INS GRP134829 207,50969.68% 0.62% 86.57%$150,136,212 516,470DELTA DENTAL PLAN OF MO GRP368030 301,32074.29% 0.62% 87.18%$149,092,528 461,048BCBS OF NJ GRP120231 223,10271.55% 0.61% 87.79%$145,923,023 407,175DELTA DENTAL OF MN5503432 8,97170.34% 0.60% 88.39%$144,301,418 378,291DELTA DENTAL OF OK5393733 315,59483.85% 0.59% 88.98%$142,690,255 330,934WILLAMETTE DENTAL GRP350334 152,31491.31% 0.58% 89.57%$134,473,998 302,877NORTHEAST DELTA DENTAL GRP476335 160,75278.63% 0.55% 90.12%$131,599,892 437,397BCBS OF TN GRP349836 239,31976.21% 0.54% 90.66%$117,331,522 73,755CAREFIRST INC GRP38037 38,45473.44% 0.48% 91.14%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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

$106,065,018 375,860BCBS OF AL GRP57038 192,24370.85% 0.43% 91.57%$89,450,195 12,027BCBS OF MI GRP57239 4,86976.81% 0.37% 91.94%$87,371,648 258,560DELTA DENTAL OF KS GRP463840 147,35876.95% 0.36% 92.30%$78,287,398 517,157LIBERTY DENTAL PLAN GRP469241 200113.07% 0.32% 92.62%$73,736,468 408,000SUN LIFE ASSUR CO OF CN GRP54942 7,24162.81% 0.30% 92.92%$71,321,723 574,062DELTA DENTAL PLAN OF AZ GRP365843 283,96475.97% 0.29% 93.21%$69,357,076 76,919OREGON DENTAL GRP131344 42,73079.04% 0.28% 93.50%$69,050,453 223,055DENTAL CARE PLUS INC9626545 111,50674.44% 0.28% 93.78%$64,778,720 0CHUBB LTD GRP62646 059.38% 0.27% 94.04%$63,691,460 173,827MUTUAL OF OMAHA GRP26147 95,96872.16% 0.26% 94.31%$63,642,767 181,699LIFETIME HLTHCARE GRP118648 90,16176.30% 0.26% 94.57%$63,115,271 134,049CAMBIA HEALTH SOLUTIONS INC120749 73,63081.27% 0.26% 94.82%$61,275,268 189,445TOKIO MARINE HOLDINGS INC GRP309850 4,46865.47% 0.25% 95.08%$59,306,271 335,731DENTCARE DELIVERY SYSTEMS INC4711251 199,8866.44% 0.24% 95.32%$58,657,487 135,437PHYSICIANS MUT GRP36752 114,56158.13% 0.24% 95.56%$55,368,777 154,039DELTA DENTAL PLAN OF SD5409753 1,60081.69% 0.23% 95.79%$54,689,538 190,322GUIDEWELL MUT HOLDING GRP53654 104,43071.14% 0.22% 96.01%$50,206,124 123,668CAPITAL BLUE CROSS GRP123055 3,87378.24% 0.21% 96.22%$47,647,517 143,224BCBS OF KS GRP43056 72,60279.11% 0.20% 96.41%$47,467,162 125,652DELTA DENTAL PLAN OF ID INC4779157 65,04279.95% 0.19% 96.61%$37,505,965 99,107BCBS OF NC GRP75858 51,26669.96% 0.15% 96.76%$37,185,181 145,203NATIONAL GUARDIAN LIFE INS GRP121159 84,41376.98% 0.15% 96.91%$35,784,429 0HAWAII MEDICAL SERV ASSN4994860 073.59% 0.15% 97.06%$33,996,104 75,466PREMERA BLUE CROSS GRP96261 42,04680.73% 0.14% 97.20%$33,164,677 151,492NEVADA DENTAL BENEFITS LTD1381362 151,49278.00% 0.14% 97.33%$30,427,655 75,456KANSAS CITY LIFE INS GRP58863 42,27563.44% 0.12% 97.46%$29,101,651 0ARKANSAS BCBS GRP87664 069.96% 0.12% 97.58%$29,067,659 91,357LOUISIANA HLTH SERV GRP43865 51,54073.34% 0.12% 97.70%$25,650,899 9,570BLUE CROSS OF ID GRP129066 4,55585.92% 0.11% 97.80%$25,622,713 74,195WELLMARK INC GRP77067 37,41677.17% 0.10% 97.91%$22,838,496 88,946EDUCATORS MUT GRP12668 94571.08% 0.09% 98.00%$22,798,990 59,279NORIDIAN MUT INS CO5589169 27,69584.96% 0.09% 98.09%$21,824,347 46,030BEST LIFE & HLTH INS CO9063870 26,74272.90% 0.09% 98.18%$18,750,241 44,552NIPPON LIFE INS CO OF AMER8126471 21,83880.59% 0.08% 98.26%$18,739,785 13,357PACIFICSOURCE HLTH PLAN GRP470472 40,83276.94% 0.08% 98.34%$18,051,217 174,652SOLSTICE GRP486673 81660.84% 0.07% 98.41%$17,759,033 64,112AMERICAN NATL FIN GRP40874 32,06151.68% 0.07% 98.48%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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

$17,553,496 51,655USHEALTH GRP INC GRP83975 29,67943.09% 0.07% 98.56%$17,203,031 48,121BCBS OF RI5347376 25,08670.95% 0.07% 98.63%$17,031,921 644,021BCS INS GRP2377 289,56329.68% 0.07% 98.70%$16,677,473 48,923DELTA DENTAL PLAN OF NJ GRP291878 23,74776.04% 0.07% 98.76%$16,245,908 50,983M MELE GRP488179 1070.82% 0.07% 98.83%$15,826,611 325,670HEALTHPARTNERS GRP125880 155,08182.12% 0.06% 98.90%$15,122,949 43,197DELTA DENTAL PLAN OF WY1520081 98879.22% 0.06% 98.96%$14,623,717 47,897NATIONWIDE CORP GRP14082 25,9038.48% 0.06% 99.02%$13,954,148 30,285WISCONSIN PHYSICIANS SERV INS GRP6883 21376.58% 0.06% 99.07%$13,125,349 44,704BCBS OF KC GRP53784 23,70279.21% 0.05% 99.13%$12,505,732 21,944MINNESOTA MUT GRP86985 13,28266.63% 0.05% 99.18%$12,264,169 42,283GENEVE HOLDINGS INC GRP45086 27,12543.04% 0.05% 99.23%$10,256,665 38,489DENTAL ECONOMICS GRP450687 19,52080.98% 0.04% 99.27%

$9,927,450 31,877MEDICAL MUT OF OH GRP73088 16,81270.17% 0.04% 99.31%$9,778,437 26,736IHC INC GRP88089 9,95977.24% 0.04% 99.35%$9,225,094 20,877AMERICAN ENTERPRISE MUT GRP352790 20,87750.42% 0.04% 99.39%$8,912,462 42,969AEGON US HOLDING GRP46891 24,86845.75% 0.04% 99.43%$7,810,112 0CITIZENS SECURITY LIFE INS CO6192192 062.59% 0.03% 99.46%$7,775,117 2,108HEALTH NOW NY INC5520493 1,16277.47% 0.03% 99.49%$7,348,000 60HAWAII MGMT ALLIANCE ASSN4833094 4044.90% 0.03% 99.52%$6,948,098 26,077BENECARE DENTAL PLANS GRP491795 1679.81% 0.03% 99.55%$6,856,127 0UNIVERSITY HLTH ALLIANCE4795396 077.37% 0.03% 99.58%$6,712,425 19,232SHELTERPOINT GRP INC480397 10,92165.48% 0.03% 99.60%$6,556,200 23,819SOUTHLAND NATL HOLDING GRP482798 12,69662.82% 0.03% 99.63%$6,532,052 20,748AXA INS GRP96899 11,281106.09% 0.03% 99.66%$6,034,090 9,375DENTAL HLTH SERV47490100 22040.88% 0.02% 99.68%$5,110,904 8,516BCBS OF AZ INC53589101 4,81329.73% 0.02% 99.70%$4,679,985 23,708HEALTHPLEX GRP85102 10,922324.82% 0.02% 99.72%$4,581,504 10,331BCBS OF MN GRP461103 10,33175.08% 0.02% 99.74%$4,580,295 14,493TOWN & COUNTRY LIFE INS CO77674104 21867.38% 0.02% 99.76%$4,449,181 14,996MISSISSIPPI INS GRP1126105 9,18870.60% 0.02% 99.78%$4,118,138 14,900NATIONAL GEN GRP4928106 10,45629.47% 0.02% 99.80%$3,936,046 0INDEPENDENCE HLTH GRP INC GRP936107 040.87% 0.02% 99.81%$3,812,590 0ISLAND HOME INS CO31658108 066.87% 0.02% 99.83%$3,429,339 15,572GOLDEN DENTAL PLANS INC11113109 7,14161.32% 0.01% 99.84%$3,202,599 9,528AULTMAN HLTH FOUNDATION GRP4805110 4,12068.01% 0.01% 99.85%$3,159,152 20,273AMERICAN FIDELITY CORP GRP330111 14,74443.91% 0.01% 99.87%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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

$3,094,989 8,381BCBS OF WY53767112 4,74579.20% 0.01% 99.88%$2,585,272 2,022TRUSTMARK MUT HOLDING CO GRP276113 1,29222.35% 0.01% 99.89%$2,330,275 6,762LIFE INS CO OF AL65412114 3,86465.06% 0.01% 100.00%$1,908,360 3,316BLUE SHIELD OF CA GRP2798115 2,04962.29% 0.01% 100.00%$1,510,367 3,298LIBERTY UNION LIFE ASSUR CO66753116 1,93549.01% 0.01% 100.00%$1,486,815 0NETCARE LIFE & HLTH INS CO60246117 097.14% 0.01% 100.00%$1,486,722 5,991AFLAC GRP370118 4,16220.13% 0.01% 100.00%$1,439,392 3,196WESTERN GROCERS EMPLOYEE BENEFIT TRU12339119 073.65% 0.01% 100.00%$1,428,329 918KEMPER CORP GRP215120 9186.11% 0.01% 100.00%$1,380,215 236ASSURITY GRP4862121 10773.07% 0.01% 100.00%$1,342,146 2,283PIONEER EDUCATORS HLTH TRUST12619122 089.88% 0.01% 100.00%$1,335,085 1,092PAN AMER LIFE GRP525123 84641.10% 0.01% 100.00%$1,303,665 3,078FIDELITY SECURITY GRP451124 1,90650.86% 0.01% 100.00%$1,277,528 1,513MVP GRP1198125 93567.53% 0.01% 100.00%

$24,405,151,119 64,082,498GRAND TOTAL 23,065,76575.32% 100.00%

© 2019 National Association of Insurance Commissioners 216

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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

$15,850,317,005 1,286,407UNITEDHEALTH GRP7071 1,286,40783.91% 46.94% 46.94%$6,110,128,693 497,818HUMANA GRP1192 497,81887.16% 18.10% 65.04%$2,770,103,446 266,004KAISER FOUNDATION GRP6013 244,887101.35% 8.20% 73.24%$2,592,662,177 207,727BCBS OF MI GRP5724 198,21390.22% 7.68% 80.92%$1,206,351,267 91,282HIGHMARK GRP8125 91,28284.61% 3.57% 84.49%

$939,216,729 79,256CIGNA HLTH GRP9016 79,25683.07% 2.78% 87.27%$886,587,907 65,144EMBLEM HLTH GRP11277 65,14495.78% 2.63% 89.90%$367,801,060 155,757ANTHEM INC GRP6718 155,75798.04% 1.09% 90.99%$360,145,112 27,677LIFETIME HLTHCARE GRP11869 27,67780.20% 1.07% 92.05%$354,121,100 29,370HENRY FORD HLTH SYSTEM GRP131110 29,37083.13% 1.05% 93.10%$339,952,919 25,285MVP GRP119811 25,28589.03% 1.01% 94.11%$243,313,114 21,621GUIDEWELL MUT HOLDING GRP53612 19,58789.00% 0.72% 94.83%$235,403,524 17,672HCSC GRP91713 17,67289.06% 0.70% 95.53%$203,819,737 14,393CDPHP INC GRP470814 14,38681.47% 0.60% 96.13%$198,621,145 20,254SPECTRUM HLTH GRP338315 12,73987.71% 0.59% 96.72%$182,798,791 25,748RENOWN HLTH GRP479116 25,74898.30% 0.54% 97.26%$174,515,411 13,874TUFTS GRP474217 13,87490.38% 0.52% 97.78%$137,829,776 13,203HOPKINS HLTH ADVANTAGE INC1570018 1109.62% 0.41% 98.19%$102,512,919 6,015INDEPENDENCE HLTH GRP INC GRP93619 6,01477.45% 0.30% 98.49%

$98,170,338 6,237AULTMAN HLTH FOUNDATION GRP480520 6,23797.03% 0.29% 98.78%$72,557,391 13,993BCBS OF MN GRP46121 13,99381.94% 0.21% 99.00%$66,415,455 6,078CAMBIA HEALTH SOLUTIONS INC120722 6,07885.34% 0.20% 99.19%$55,002,456 5,084PIEDMONT COMM HLTH GRP484523 5,08498.56% 0.16% 99.36%$49,383,039 3,221BCBS OF TN GRP349824 3,22174.70% 0.15% 99.50%$46,608,007 3,524CAPITAL BLUE CROSS GRP123025 3,52480.74% 0.14% 99.64%$37,381,462 3,194BCBS OF RI5347326 3,19483.33% 0.11% 99.75%$19,599,167 1,766BCBS OF KC GRP53727 1,76681.35% 0.06% 99.81%$16,283,841 1,483PACIFICSOURCE HLTH PLAN GRP470428 1,48379.14% 0.05% 99.86%$15,901,680 2,439CVS GRP129 2,50992.85% 0.05% 100.00%$14,924,319 1,353VANGUARD HLTH VENTURES GRP121230 1,35381.73% 0.04% 100.00%

$7,755,005 1,178HEALTHPARTNERS UNITYPOINT HLTH INC1588831 1,17877.43% 0.02% 100.00%$7,350,684 537MEDICAL MUT OF OH GRP73032 53774.49% 0.02% 100.00%$2,534,377 1,954UNION HLTH SERV INC5255333 197.01% 0.01% 100.00%

$33,766,035,721 2,916,548GRAND TOTAL 2,861,27587.20% 100.00%

© 2019 National Association of Insurance Commissioners 217

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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

$233,419,807 194,414CIGNA HLTH GRP9011 194,41467.16% 25.54% 25.54%$150,876,921 0EMBLEM HLTH GRP11272 065.20% 16.51% 42.04%$127,066,029 63,563BCBS OF MA GRP36373 63,56384.14% 13.90% 55.94%$103,853,330 216,259UNITEDHEALTH GRP7074 216,25940.50% 11.36% 67.30%

$48,525,025 32,085BCBS OF MN GRP4615 32,08592.62% 5.31% 72.61%$47,331,074 24,673ANTHEM INC GRP6716 24,67375.11% 5.18% 77.79%$32,794,549 14,790AEGON US HOLDING GRP4687 14,79055.24% 3.59% 81.38%$31,165,495 15,834HUMANA GRP1198 15,83478.96% 3.41% 84.79%$27,714,175 9,344CVS GRP19 9,34493.99% 3.03% 87.82%$19,271,190 5,161LIFETIME HLTHCARE GRP118610 5,16182.03% 2.11% 89.93%$18,393,798 9,830HCSC GRP91711 9,83079.89% 2.01% 91.94%$17,798,174 0ENVISION INS CO1274712 15,92489.76% 1.95% 93.89%

$9,525,350 9,742TUFTS GRP474213 9,74281.87% 1.04% 94.93%$9,451,408 3,172BCBS OF MI GRP57214 3,17288.36% 1.03% 95.96%$9,268,942 3,455BCBS OF RI5347315 3,45572.27% 1.01% 96.98%$8,384,115 3,835INDEPENDENCE HLTH GRP INC GRP93616 3,83569.08% 0.92% 97.89%$7,529,513 4,963WELLMARK INC GRP77017 4,96367.95% 0.82% 98.72%$3,362,278 1,743CAPITAL BLUE CROSS GRP123018 1,74387.66% 0.37% 99.09%$2,455,127 1,673CAMBIA HEALTH SOLUTIONS INC120719 1,67357.28% 0.27% 99.35%$2,348,508 0ARKANSAS BCBS GRP87620 093.91% 0.26% 99.61%$2,073,979 3,063HIGHMARK GRP81221 3,063174.46% 0.23% 99.84%

$932,293 408MVP GRP119822 408106.13% 0.10% 100.00%$502,379 536BCBS OF SC GRP66123 53647.05% 0.05% 100.00%

$40,130 19SPECTRUM HLTH GRP338324 19110.27% 0.00% 100.00%

$914,083,589 618,562GRAND TOTAL 634,48670.57% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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

$956,037,573 739,812UPMC HLTH SYSTEM GRP13241 739,81286.69% 15.51% 15.51%$574,494,302 0CHUBB LTD GRP6262 041.18% 9.32% 24.84%$551,186,874 604,742MAGELLAN HLTH INC GRP12603 434,75388.19% 8.94% 33.78%$520,284,366 798AMERICAN INTL GRP124 28,31650.57% 8.44% 42.22%$398,903,246 633,325WEST SOUTHERN GRP8365 5,46272.34% 6.47% 48.70%$367,934,554 1,599,935METROPOLITAN GRP2416 12,90433.28% 5.97% 54.67%$259,793,930 4,655,338HIGHMARK GRP8127 2,389,57674.00% 4.22% 58.88%$216,195,401 281,446AEGON US HOLDING GRP4688 146,67847.41% 3.51% 62.39%$168,549,788 85,428TORCHMARK CORP GRP2909 83,26063.06% 2.74% 65.13%$160,759,712 1,027,339UNITEDHEALTH GRP70710 788,28856.52% 2.61% 67.74%$142,598,237 57,636HARTFORD FIRE & CAS GRP9111 36472.11% 2.31% 70.05%$137,837,218 0AHF GRP483312 0101.00% 2.24% 72.29%$124,006,086 1,230,474ANTHEM INC GRP67113 661,83079.57% 2.01% 74.30%$117,814,621 128,342BCBS OF SC GRP66114 90,40139.13% 1.91% 76.21%$107,996,638 278,143UNUM GRP56515 9,45940.49% 1.75% 77.96%

$96,706,801 578,772AFLAC GRP37016 391,02245.19% 1.57% 79.53%$80,955,114 505,577ALLSTATE INS GRP817 278,48749.09% 1.31% 80.85%$67,566,120 130,817FIDELITY SECURITY GRP45118 78,80842.75% 1.10% 81.94%$66,863,471 44,671UNION HLTH SERV INC5255319 3104.93% 1.09% 83.03%$63,428,297 0HEALTHPARTNERS GRP125820 093.74% 1.03% 84.06%$60,264,769 0UNIVERSITY HLTH ALLIANCE4795321 057.03% 0.98% 85.04%$59,675,940 127,892NATIONWIDE CORP GRP14022 1,81056.02% 0.97% 86.00%$57,117,723 0INTACT FINANCIAL GRP490423 029.52% 0.93% 86.93%$54,765,670 100,277CIGNA HLTH GRP90124 76971.80% 0.89% 87.82%$46,785,524 19,968TUFTS GRP474225 19,96877.72% 0.76% 88.58%$31,539,002 0EVEREST REINS HOLDINGS GRP112026 078.48% 0.51% 89.09%$31,309,125 103,234BCBS OF MA GRP363727 55,95166.54% 0.51% 89.60%$30,033,492 6,417AMFIRST HOLDINGS GRP471928 20645.33% 0.49% 90.09%$29,317,380 4,560BCBS OF MI GRP57229 1,84693.11% 0.48% 90.56%$28,390,953 422,468CENTERBRIDGE CAPITAL PARTNERS GRP487930 2,192151.09% 0.46% 91.02%$28,267,210 66,968PAN AMER LIFE GRP52531 42,37162.13% 0.46% 91.48%$27,221,711 37,313CAREFIRST INC GRP38032 18,347104.19% 0.44% 91.92%$24,022,056 821,016CARECENTRIX OF NJ INC1440333 085.05% 0.39% 92.31%$23,935,542 419,766BCBS OF TN GRP349834 214,06564.21% 0.39% 92.70%$23,932,608 371,919ASSURANT INC GRP1935 215,00861.61% 0.39% 93.09%$23,454,385 0PROTECTIVE INS CORP GRP86736 051.48% 0.38% 93.47%$22,869,554 12,682GUARANTEE TRUST GRP68737 8,68551.38% 0.37% 93.84%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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

$22,276,605 251,890GUARDIAN LIFE GRP42938 41,38840.72% 0.36% 94.20%$21,625,634 1,992HOPMEADOW HOLDINGS GRP492639 5468.43% 0.35% 94.55%$19,522,364 30,766WISCONSIN PHYSICIANS SERV INS GRP6840 5,339106.51% 0.32% 94.87%$18,852,132 2,538UNIFIED LIFE INS CO1112141 2,53887.30% 0.31% 95.18%$17,359,576 21,567GENEVE HOLDINGS INC GRP45042 15,54737.28% 0.28% 95.46%$16,565,797 396,601BCS INS GRP2343 242,79355.21% 0.27% 95.73%$15,537,045 192,355AMEX ASSUR CO2792844 135,58616.48% 0.25% 95.98%$14,655,074 6,213AMERICAN NATL FIN GRP40845 3,88260.24% 0.24% 96.22%$14,009,979 13,510NATIONAL GEN GRP492846 8,53015.54% 0.23% 96.44%$12,796,996 993,628EMBLEM HLTH GRP112747 485,07410.54% 0.21% 96.65%$12,092,525 104,043HCSC GRP91748 1,07364.80% 0.20% 96.85%$11,974,417 0DELTA DENTAL OF KS GRP463849 088.29% 0.19% 97.04%$11,911,951 377,190ALLIANZ INS GRP76150 225,11179.08% 0.19% 97.24%$11,761,687 0HEALTHPARTNERS UNITYPOINT HLTH INC1588851 00.00% 0.19% 97.43%$11,546,118 19,462USHEALTH GRP INC GRP83952 13,466775.08% 0.19% 97.61%$11,435,896 96,030CENTENE CORP GRP129553 3598.55% 0.19% 97.80%$10,931,415 124,820BLUE SHIELD OF CA GRP279854 71,08449.02% 0.18% 97.98%

$8,920,832 98,077DELTA DENTAL PLAN OF AR INC4715555 64,37759.00% 0.14% 98.12%$8,647,210 132,578SHELTERPOINT GRP INC480356 66,31254.85% 0.14% 98.26%$8,540,234 169,902BCBS OF NJ GRP120257 88,22071.88% 0.14% 98.40%$8,230,922 1,844CHINA MINSHENG GRP486358 1,844107.25% 0.13% 98.53%$7,961,359 40,657ARKANSAS BCBS GRP87659 12255.47% 0.13% 98.66%$7,110,316 0GULF GUARANTY GRP94860 048.43% 0.12% 98.78%$6,304,918 173,542SUN LIFE ASSUR CO OF CN GRP54961 2,32960.75% 0.10% 98.88%$5,806,533 16,155HSA HLTH INS CO1574362 6,21653.70% 0.09% 98.98%$4,788,474 0ENVISION INS CO1274763 16,34652.89% 0.08% 99.05%$4,432,713 66,516CAMBIA HEALTH SOLUTIONS INC120764 42,42658.09% 0.07% 99.12%$4,208,658 72,354HERITAGE VISION PLANS INC1120465 53,79449.11% 0.07% 99.19%$4,106,842 42,433NORIDIAN MUT INS CO5589166 20,94579.34% 0.07% 99.26%$3,621,816 0TENNESSEE FARMERS GRP69467 1,582,63411.87% 0.06% 99.32%$3,510,583 41,476GUIDEWELL MUT HOLDING GRP53668 23,49081.01% 0.06% 99.38%$3,318,179 16,713BCBS OF AZ INC5358969 0(105.43)% 0.05% 99.43%$3,044,349 6,295KEMPER CORP GRP21570 6,21331.57% 0.05% 99.48%$3,017,408 46,009EDUCATORS MUT GRP12671 54154.69% 0.05% 99.53%$3,007,209 279NATIONAL WESTERN LIFE INS CO6685072 27996.00% 0.05% 99.58%$2,940,969 250NEW ERA LIFE GRP52073 593.27% 0.05% 99.62%$2,922,301 6,227HUMANA GRP11974 3,13525.52% 0.05% 99.67%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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

$2,842,029 0AMERICAN FIN SECURITY LIFE INS CO6933775 022.10% 0.05% 99.72%$2,637,647 12,479ASSURITY GRP486276 7,57639.09% 0.04% 99.76%$2,507,141 46,175NORTHEAST DELTA DENTAL GRP476377 96750.07% 0.04% 99.80%$2,177,001 149,449MAPFRE INS GRP41178 1,188(0.04)% 0.04% 99.84%$2,109,410 21,140BCBS OF MN GRP46179 21,140371.27% 0.03% 99.87%$1,832,810 2,772FAIRFAX FIN GRP15880 147.14% 0.03% 100.00%$1,821,009 0CITIZENS SECURITY LIFE INS CO6192181 058.19% 0.03% 100.00%$1,785,064 14,199MISSISSIPPI INS GRP112682 6,75179.31% 0.03% 100.00%$1,746,250 4,578MUTUAL OF OMAHA GRP26183 4,02926.61% 0.03% 100.00%$1,337,978 30,599MINNESOTA MUT GRP86984 2642.34% 0.02% 100.00%$1,322,106 10,218MANHATTAN LIFE GRP111785 10,21622.94% 0.02% 100.00%$1,284,565 342,479TOKIO MARINE HOLDINGS INC GRP309886 116(47.71)% 0.02% 100.00%$1,209,208 0BCBS OF AL GRP57087 00.00% 0.02% 100.00%$1,154,201 16,670NIPPON LIFE INS CO OF AMER8126488 12,03670.76% 0.02% 100.00%$1,096,250 272ROYAL STATE NATL INS CO LTD6855189 292.80% 0.02% 100.00%

$931,066 0GREAT WEST GRP76990 097.68% 0.02% 100.00%$911,577 0CATHOLIC HLTH INITIATIVES GRP480791 00.00% 0.01% 100.00%$830,486 5,858KAISER FOUNDATION GRP60192 2,65851.59% 0.01% 100.00%$646,190 2,774UNION LABOR GRP78193 2,0435.57% 0.01% 100.00%$564,015 3,947GENERAL ELECTRIC GRP35094 3,45137.29% 0.01% 100.00%$524,078 0OPTIMUM GRP116795 067.43% 0.01% 100.00%$510,042 0AMERITAS MUT HOLDING GRP94396 052.77% 0.01% 100.00%$500,977 2,531HEALTHMARKETS GRP26497 1,68828.48% 0.01% 100.00%$454,482 774SUMMA HLTH GRP325998 774106.56% 0.01% 100.00%$430,697 81MEDICAL BENEFITS MUT LIFE INS CO7432299 4647.17% 0.01% 100.00%$372,396 8,699TOWN & COUNTRY LIFE INS CO77674100 1886.43% 0.01% 100.00%$279,613 0BCBS OF WY53767101 088.13% 0.00% 100.00%$255,537 7,221MAGNA INS CO61018102 7,22141.59% 0.00% 100.00%$255,387 159CROY HALL MGMT GRP1339103 8225.17% 0.00% 100.00%$252,470 0NATIONAL SECURITY GRP316104 12851.50% 0.00% 100.00%$204,213 1,428JACKSON NATL GRP918105 1,428(173.01)% 0.00% 100.00%$159,374 4,750CNO FINANCIAL GRP233106 4,749136.78% 0.00% 100.00%$147,180 0UNITED INS HOLDINGS GRP4830107 021.84% 0.00% 100.00%$122,860 7AMERICAN FIDELITY CORP GRP330108 7205.02% 0.00% 100.00%$122,695 672GENWORTH FIN GRP4011109 672402.17% 0.00% 100.00%$117,275 84BOSTON MUT GRP581110 25(121.58)% 0.00% 100.00%$103,331 0CITIZENS GRP612111 089.96% 0.00% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Group 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

$103,202 1,859TIMBER PRODUCTS MANUFACTURERS TRUST12239112 053.05% 0.00% 100.00%$88,561 825WMI MUT INS CO68420113 38746.89% 0.00% 100.00%$60,741 355PHYSICIANS MUT GRP367114 26763.09% 0.00% 100.00%$55,011 16VOYA FINANCIAL GRP4832115 13125.25% 0.00% 100.00%$49,474 15LIFE INS CO OF AL65412116 926.09% 0.00% 100.00%$43,204 2,303BCBS OF KC GRP537117 1,35776.62% 0.00% 100.00%$39,000 22NATIONAL PROSPERITY LIFE & HLTH INS15952118 2217.20% 0.00% 100.00%$31,136 96US HLTH & LIFE INS CO INC97772119 135.15% 0.00% 100.00%$24,179 0USIC GRP3593120 020.58% 0.00% 100.00%$24,093 400RENAISSANCE HLTH SERV CORP GRP477121 198101.55% 0.00% 100.00%$22,925 188HORACE MANN GRP300122 13636.10% 0.00% 100.00%$15,311 0SENTRY INS GRP169123 0(12.14)% 0.00% 100.00%$11,059 32ELAN INS USVI INC16074124 26.14% 0.00% 100.00%$4,103 23MEDICAL MUT OF OH GRP730125 150.00% 0.00% 100.00%

$6,162,353,556 19,598,053GRAND TOTAL 10,283,44866.64% 100.00%

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Accident and Health Policy Experience Report

Other Business

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Market Share for the Top 125 Insurers

Other Business

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Other 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

$3,311,557,981 28,789,709CIGNA HLTH GRP9011 81,08378.39% 15.08% 15.08%$2,142,368,585 29,619,534ANTHEM INC GRP6712 14,377,61780.42% 9.75% 24.83%$1,615,121,507 28,988,154CVS GRP13 17,188,53298.62% 7.35% 32.18%$1,555,315,827 3,843,022UNITEDHEALTH GRP7074 1,238,25880.79% 7.08% 39.26%$1,452,870,426 4,223,072SUN LIFE ASSUR CO OF CN GRP5495 2,09668.79% 6.61% 45.88%$1,302,684,567 4,141,099TOKIO MARINE HOLDINGS INC GRP30986 3,25281.68% 5.93% 51.81%

$933,523,009 5,160,225VOYA FINANCIAL GRP48327 2,243,57679.41% 4.25% 56.06%$809,512,013 11,407,575HCSC GRP9178 5,422,76875.58% 3.69% 59.75%$751,768,057 6,349,966HIGHMARK GRP8129 3,118,10567.07% 3.42% 63.17%$702,115,572 6,101,370SUMITOMO LIFE INS GRP485510 2,314,13073.02% 3.20% 66.36%$486,632,472 1,702,305BCBS OF SC GRP66111 947,06373.94% 2.22% 68.58%$369,192,545 1,645,500WR BERKLEY CORP GRP9812 81679.18% 1.68% 70.26%$366,447,308 0SWISS RE GRP18113 076.78% 1.67% 71.93%$345,454,962 3,136,754BCBS OF MI GRP57214 1,618,17471.01% 1.57% 73.50%$288,958,888 0QBE INS GRP79615 071.81% 1.32% 74.82%$283,284,325 0CUNA MUT GRP30616 045.54% 1.29% 76.11%$268,800,156 1,564,760HUMANA GRP11917 846,87297.69% 1.22% 77.33%$238,343,666 6,009,425FAIRFAX FIN GRP15818 65076.59% 1.09% 78.42%$210,728,402 1,402,885BCBS OF MN GRP46119 652,38488.86% 0.96% 79.38%$200,753,826 1,286,609WELLMARK INC GRP77020 595,159100.16% 0.91% 80.29%$194,592,725 0NATIONWIDE CORP GRP14021 66971.38% 0.89% 81.18%$193,368,204 106,122NATIONAL GEN GRP492822 64,58370.27% 0.88% 82.06%$184,892,376 2,861,637MUNICH RE GRP36123 30792.58% 0.84% 82.90%$171,163,610 521,781MEDICAL MUT OF OH GRP73024 270,68383.03% 0.78% 83.68%$159,054,281 325,833CHINA MINSHENG GRP486325 246,05863.94% 0.72% 84.40%$146,332,498 262,958FIDELITY SECURITY GRP45126 139,25269.02% 0.67% 85.07%$140,189,548 1,717,777BCBS OF MA GRP363727 839,32389.65% 0.64% 85.71%$126,818,647 247,898LIBERTY MUT GRP11128 40281.34% 0.58% 86.28%$123,176,945 711,459UNION LABOR GRP78129 309,62061.31% 0.56% 86.84%$122,626,566 1,581,116BCBS OF NC GRP75830 950,10671.85% 0.56% 87.40%$120,584,642 1,752,343PREMERA BLUE CROSS GRP96231 747,26664.49% 0.55% 87.95%$120,378,224 23,880BERKSHIRE HATHAWAY GRP3132 23,88096.18% 0.55% 88.50%$117,406,569 155,123NORIDIAN MUT INS CO5589133 71,09288.92% 0.53% 89.03%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Other 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

$116,633,343 58,812TRUSTMARK MUT HOLDING CO GRP27634 34,51066.42% 0.53% 89.56%$103,986,679 696,710APOLLO GLOBAL MGMT GRP473435 89,24348.27% 0.47% 90.04%

$98,440,830 135,750AMERICAN FIDELITY CORP GRP33036 89,58274.28% 0.45% 90.49%$98,079,966 0HEALTHPARTNERS GRP125837 0115.22% 0.45% 90.93%$90,796,856 781,121CAPITAL BLUE CROSS GRP123038 399,308103.25% 0.41% 91.35%$88,608,456 611,485MINNESOTA MUT GRP86939 611,48547.77% 0.40% 91.75%$83,890,401 1,267,102CAMBIA HEALTH SOLUTIONS INC120740 634,30965.84% 0.38% 92.13%$82,494,033 599,002HOUSTON INTL INS GRP438141 28474.20% 0.38% 92.51%$79,544,205 29,940PAN AMER LIFE GRP52542 4,62076.57% 0.36% 92.87%$77,143,141 905,345TIPTREE FIN GRP471843 905,34519.99% 0.35% 93.22%$76,833,357 532,351BCS INS GRP2344 92896.15% 0.35% 93.57%$73,135,182 2,749,300GUIDEWELL MUT HOLDING GRP53645 1,520,63483.02% 0.33% 93.90%$72,603,974 1,078,206BCBS OF AZ INC5358946 539,21991.67% 0.33% 94.23%$71,823,617 376,050AMERICAN NATL FIN GRP40847 294,23746.71% 0.33% 94.56%$69,596,802 2,256,619GUARDIAN LIFE GRP42948 1,312,13182.40% 0.32% 94.88%$67,885,684 1,567,045BCBS OF TN GRP349849 693,95480.60% 0.31% 95.19%$67,770,360 94,628BCBS OF KS GRP43050 46,42492.06% 0.31% 95.50%$67,227,298 236,146ZURICH INS GRP21251 131,19278.25% 0.31% 95.80%$59,728,013 69,523EDUCATORS MUT GRP12652 703117.46% 0.27% 96.07%$56,015,541 670,093LIFETIME HLTHCARE GRP118653 319,36494.99% 0.26% 96.33%$55,975,296 63,390AXA INS GRP96854 23467.13% 0.25% 96.58%$54,549,723 336,347PARTNERRE GRP348355 7984.02% 0.25% 96.83%$46,795,914 166,306CAREFIRST INC GRP38056 83,21951.05% 0.21% 97.04%$44,372,371 118,736BLUE SHIELD OF CA GRP279857 61,842107.79% 0.20% 97.25%$43,778,813 100,073PREFERREDONE GRP349258 49,372107.32% 0.20% 97.45%$35,996,890 311,525BCBS OF KC GRP53759 136,93577.95% 0.16% 97.61%$33,412,790 252,827BLUE CROSS OF ID GRP129060 121,41670.22% 0.15% 97.76%$31,697,134 0CENTRAL STATES GRP69061 015.71% 0.14% 97.91%$30,326,369 73,545AMALGAMATED LIFE INS CO6021662 6991.93% 0.14% 98.04%$29,243,980 268,762BCBS OF NE GRP485863 121,24762.89% 0.13% 98.18%$28,917,333 0SPECTRUM HLTH GRP338364 00.00% 0.13% 98.31%$27,337,110 134,834LOUISIANA HLTH SERV GRP43865 70,43854.68% 0.12% 98.43%$27,307,769 0BCBS OF NJ GRP120266 085.82% 0.12% 98.56%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Other 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

$26,559,276 27,269AULTMAN HLTH FOUNDATION GRP480567 12,442101.24% 0.12% 98.68%$23,602,200 45,524AEGON US HOLDING GRP46868 44,91348.00% 0.11% 98.79%$22,449,697 43,788BENCHMARK HOLDING GRP488669 082.17% 0.10% 98.89%$20,991,275 174,189HEALTH NOW NY INC5520470 78,52187.84% 0.10% 98.98%$18,557,232 7,823PRESBYTERIAN HLTHCARE SERV GRP48171 4,76399.45% 0.08% 99.07%$12,776,524 0HEALTH PLAN GRP129772 086.18% 0.06% 99.13%$12,497,871 702,760RGA INC GRP463973 6107.73% 0.06% 99.18%$11,989,848 221,102ASSURANT INC GRP1974 221,084(0.44)% 0.05% 99.24%$10,262,421 5,493LIBERTY UNION LIFE ASSUR CO6675375 2,74217.69% 0.05% 99.28%$10,093,485 66,988HAWAII MEDICAL SERV ASSN4994876 29,81741.36% 0.05% 99.33%

$9,358,733 0FIRST TOWER GRP64177 017.94% 0.04% 99.37%$9,339,541 50,462PROTECTIVE LIFE INS GRP45878 50,46215.89% 0.04% 99.42%$8,980,881 65,364PACIFICSOURCE HLTH PLAN GRP470479 1747.22% 0.04% 99.46%$8,953,446 43,244BCBS OF RI5347380 17,85160.94% 0.04% 99.50%$8,907,824 4,203US HLTH & LIFE INS CO INC9777281 191133.44% 0.04% 99.54%$8,719,835 66,133SWBC LIFE INS CO9953882 66,13312.11% 0.04% 99.58%$8,648,938 45,008CARLE HOLDING CO GRP119283 21,01877.96% 0.04% 99.62%$8,029,606 40,899PEKIN INS GRP15384 40,89948.16% 0.04% 99.65%$6,734,395 203,471IHC INC GRP88085 73,39364.71% 0.03% 99.68%$6,449,115 315,830HARVARD PILGRIM HLTH CARE GRP59586 156,46587.11% 0.03% 99.71%$5,453,892 4,087NETWORK HLTH GRP267887 168121.71% 0.02% 99.74%$5,368,337 111,821BCBS OF VT GRP474588 57,20692.52% 0.02% 99.76%$5,361,788 0OREGON DENTAL GRP131389 0213.89% 0.02% 99.79%$4,741,263 2,916SOLSTICE GRP486690 743.20% 0.02% 99.81%$4,427,142 0PLATEAU GRP62991 032.87% 0.02% 99.83%$3,873,339 10,035EVERENCE GRP461692 4,35476.50% 0.02% 99.85%$3,760,670 0SECURITY GRP470993 011.12% 0.02% 99.86%$3,659,228 11,081STATE FARM GRP17694 11,08131.26% 0.02% 99.88%$3,440,435 12,506AMERICAN ENTERPRISE MUT GRP352795 12,50620.38% 0.02% 99.90%$2,902,895 78ARCH INS GRP127996 198301.29% 0.01% 100.00%$2,312,482 23,460INVESTORS HERITAGE LIFE INS CO6490497 10512.51% 0.01% 100.00%$1,778,307 9,803SOUTHLAND NATL HOLDING GRP482798 9,744(19.07)% 0.01% 100.00%$1,345,541 1,760WEA GRP493999 645109.96% 0.01% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Other 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

$1,173,167 0INDEPENDENT HLTH ASSN GRP4894100 065.39% 0.01% 100.00%$1,123,326 394,849KAISER FOUNDATION GRP601101 62,06165.42% 0.01% 100.00%$1,112,959 1,223NIPPON LIFE INS CO OF AMER81264102 60278.48% 0.01% 100.00%$1,082,390 35,526CATHOLIC HLTH INITIATIVES GRP4807103 27,90679.23% 0.00% 100.00%

$870,436 0GULF GUARANTY GRP948104 08.61% 0.00% 100.00%$743,840 6,193KENTUCKY NATL INS GRP4703105 6,1899.69% 0.00% 100.00%$712,464 5,634MOUNTAIN LIFE INS CO80020106 5,62039.78% 0.00% 100.00%$687,331 8,478DELTA GRP598107 8,47821.65% 0.00% 100.00%$652,355 51,158VANGUARD HLTH VENTURES GRP1212108 22,722(33.87)% 0.00% 100.00%$636,762 0WICHITA NATL LIFE GRP132109 031.76% 0.00% 100.00%$621,443 1,372BCBS OF WY53767110 60017.88% 0.00% 100.00%$610,137 383PHP INDIANA GRP3828111 689.96% 0.00% 100.00%$582,916 3,653GUARANTEE TRUST GRP687112 8917.26% 0.00% 100.00%$552,786 12,667CITIZENS GRP612113 12,6678.16% 0.00% 100.00%$441,762 2,463FIRST NATL LIFE INS CO OF USA74233114 2,46343.33% 0.00% 100.00%$439,700 2,130LIFE ASSUR CO INC85677115 2,03611.70% 0.00% 100.00%$347,121 0COOPERATIVA DE SEGUROS DE VIDA79715116 0(80.01)% 0.00% 100.00%$300,551 0THE LDS GRP905117 010.70% 0.00% 100.00%$295,905 1,828GGC GRP4736118 1,828(3.32)% 0.00% 100.00%$237,667 12,805KILPATRICK LIFE GRP4835119 12,805113.86% 0.00% 100.00%$209,700 4,285MAPFRE INS GRP411120 4,28536.02% 0.00% 100.00%$179,245 0FOUNDATION LIFE INS CO OF AR83992121 020.85% 0.00% 100.00%$174,762 1,470INDIVIDUAL ASSUR CO LIFE HLTH & ACC81779122 055.10% 0.00% 100.00%$140,373 253NEW ERA LIFE GRP520123 10.00% 0.00% 100.00%$115,693 0ARKANSAS BANKERS LIFE INS CO86118124 608(7.64)% 0.00% 100.00%$82,660 15,002FIRSTCARE GRP3549125 7,163(41.50)% 0.00% 100.00%

$21,964,721,052 256,016,577GRAND TOTAL 75,211,74078.45% 100.00%

© 2019 National Association of Insurance Commissioners 230

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Top 25 Groups by Company Other Business

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Other 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

$3,311,557,981 28,789,70981,083CIGNA HLTH GRP9011 78.39% 15.08%$3,311,645,088 28,789,70281,082CIGNA HLTH & LIFE INS CO67369 78.40%

)$(87,107 71CONNECTICUT GEN LIFE INS CO62308 0.00%

$2,142,368,585 29,619,53414,377,617ANTHEM INC GRP6712 80.42% 9.75%$149,740,166 5,959,0662,930,451ANTHEM BLUE CROSS LIFE & HLTH INS CO62825 84.83%

$81,018,410 953,534439,571ANTHEM HLTH PLANS INC60217 84.72%$725,692 1,287,200657,521ANTHEM HLTH PLANS OF KY INC95120 77.02%

$9,021,536 210,294106,177ANTHEM HLTH PLANS OF ME INC52618 105.78%$4,133,813 144,90067,728ANTHEM HLTH PLANS OF NH53759 94.48%

$151,848,694 2,031,9091,046,669ANTHEM HLTH PLANS OF VA INC71835 70.64%$307,181,703 4,353,0621,954,042ANTHEM INS CO INC28207 84.17%

$378,989 6,4126,412ANTHEM LIFE & DISABILITY INS CO13573 100.80%$211,406 25,46748ANTHEM LIFE INS CO61069 58.27%

$73,317,982 940,772487,971BCBS HLTHCARE PLAN OF GA INC96962 67.72%$42,292,709 2,472,6111,210,381BCBS OF GA INC54801 77.24%$45,564,216 977,728448,564BCBS OF WI54003 66.81%

$213,368,024 3,748,3171,751,189COMMUNITY INS CO10345 76.25%$0 10,7075,422COMPCARE HLTH SERV INS CORP95693 N/A

$65,510,582 3,966,4921,938,056EMPIRE HEALTHCHOICE ASSUR INC55093 81.06%$0 3,4443,444GREATER GA LIFE INS CO97217 N/A

$897,009,156 00HEALTH SUN HLTH PLANS10122 84.04%$0 178,584109,067HEALTHKEEPERS INC95169 N/A$0 245,076137,735HEALTHLINK HMO INC96475 N/A

$48,432,214 614,688309,677HEALTHY ALLIANCE LIFE INS CO78972 50.92%$0 53,86525,524HMO CO INC95473 N/A$0 1,6981,178HMO MO INC95358 N/A$0 106,16744,645MATTHEW THORTON HLTH PLAN INC95527 N/A

$52,613,293 1,071,332560,773ROCKY MOUNTAIN HOSPITAL & MEDICAL11011 75.77%$0 186,158103,396UNICARE LIFE & HLTH INS CO80314 N/A$0 70,05131,976WISCONSIN COLLABORATIVE INS CO15929 N/A

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Other 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

$1,615,121,507 28,988,15417,188,532CVS GRP13 98.62% 7.35%$0 00AETNA HLTH OF UTAH INC95407 N/A

$1,615,121,507 27,496,08315,792,567AETNA LIFE INS CO60054 98.63%$0 1,172663ALLINA HLTH & AETNA INS CO16194 N/A$0 101,77147,400BANNER HLTH & AETNA HLTH INS CO16058 N/A$0 00COVENTRY HLTH & LIFE INS CO81973 N/A$0 81,11739,891INNOVATION HLTH INS CO15097 N/A$0 1,308,0111,308,011SILVERSCRIPT INS CO12575 N/A

$1,555,315,827 3,843,0221,238,258UNITEDHEALTH GRP7074 80.79% 7.08%$458,179,118 200,375115,249ALL SAVERS INS CO82406 85.98%

$0 00ALL SAVERS LIFE INS CO OF CA73130 N/A$0 144,222144,222ROCKY MOUNTAIN HMO INC95482 N/A$0 13,74713,747SIERRA HLTH & LIFE INS CO INC71420 N/A

$367,594,437 1,647,450798UNIMERICA INS CO91529 77.68%$0 85,67141,383UNITED HLTHCARE INS CO OF IL60318 N/A

$40,514,739 58,61025,859UNITED HLTHCARE INS CO OF NY60093 57.22%$689,027,533 1,692,947897,000UNITEDHEALTHCARE INS CO79413 80.38%

$1,452,870,426 4,223,0722,096SUN LIFE ASSUR CO OF CN GRP5495 68.79% 6.61%$72,606,282 141,889104SUN LIFE & HLTH INS CO80926 84.51%

$1,380,264,144 4,081,1831,992US BR SUN LIFE ASSUR CO OF CANADA80802 67.96%

$1,302,684,567 4,141,0993,252TOKIO MARINE HOLDINGS INC GRP30986 81.68% 5.93%$892,767 2,8233FIRST RELIANCE STANDARD LIFE INS CO71005 78.82%

$1,248,414,730 4,091,6423,129HCC LIFE INS CO92711 81.68%$53,377,070 46,634120RELIANCE STANDARD LIFE INS CO68381 81.70%

$933,523,009 5,160,2252,243,576VOYA FINANCIAL GRP48327 79.41% 4.25%$879,647,873 4,954,8902,154,300RELIASTAR LIFE INS CO67105 79.26%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Other 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

$53,875,136 205,33589,276RELIASTAR LIFE INS CO OF NY613607 81.86%

$809,512,013 11,407,5755,422,768HCSC GRP9178 75.58% 3.69%$3,833 00DEARBORN NATL LIFE INS CO OF NY85090 0.00%

$3,522,946 14,9105,835HCSC INS SERV CO78611 77.10%$805,985,234 11,392,6655,416,933HEALTH CARE SERV CORP A MUT LEGAL RE70670 75.58%

$751,768,057 6,349,9663,118,105HIGHMARK GRP8129 67.07% 3.42%$0 3,8692,025FIRST PRIORITY LIFE INS CO INC60147 N/A$0 201,757106,976HIGHMARK BCBSD INC53287 N/A

$4,093,719 9,9354,968HIGHMARK CAS INS CO35599 70.57%$0 9,5934,206HIGHMARK CHOICE CO95048 N/A$0 2,208,9511,044,224HIGHMARK INC54771 N/A

$24,514,424 93,82445,297HIGHMARK WEST VIRGINIA INC.54828 77.84%$0 871431HM HLTH INS CO71768 N/A

$692,518,232 3,690,1891,845,095HM LIFE INS CO93440 65.72%$30,641,682 119,95259,976HM LIFE INS CO OF NY60213 88.65%

$0 11,0254,907HMO OF NE PA96601 N/A

$702,115,572 6,101,3702,314,130SUMITOMO LIFE INS GRP485510 73.02% 3.20%$24,934,213 3,050,6851,157,065FIRST SYMETRA NATL LIFE INS CO OF NY78417 85.64%

$677,181,359 3,050,6851,157,065SYMETRA LIFE INS CO68608 72.56%

$486,632,472 1,702,305947,063BCBS OF SC GRP66111 73.94% 2.22%$25,636,337 949,302509,519BCBS OF SC INC38520 66.36%

$0 22,74012,189BLUECHOICE HLTHPLAN OF SC INC95741 N/A$428,763,196 691,399405,040COMPANION LIFE INS CO77828 74.69%

$20,242,875 23,99312,708COMPANION LIFE INS CO OF CA92444 71.86%$11,990,064 14,8717,607NIAGARA LIFE & HLTH INS CO12285 66.71%

$369,192,545 1,645,500816WR BERKLEY CORP GRP9812 79.18% 1.68%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Other 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

$369,192,545 1,645,500816BERKLEY LIFE & HLTH INS CO6489012 79.18%

$366,447,308 00SWISS RE GRP18113 76.78% 1.67%$0 00NORTH AMER SPECIALTY INS CO29874 N/A

$366,447,308 00WESTPORT INS CORP39845 76.89%

$345,454,962 3,136,7541,618,174BCBS OF MI GRP57214 71.01% 1.57%$345,454,962 2,959,5621,536,580BCBS OF MI MUT INS CO54291 71.01%

$0 177,19281,594BLUE CARE NETWORK OF MI95610 N/A

$288,958,888 00QBE INS GRP79615 71.81% 1.32%$280,073,528 00QBE INS CORP39217 71.81%

$8,885,360 00QBE SPECIALTY INS CO11515 71.81%

$283,284,325 00CUNA MUT GRP30616 45.54% 1.29%$283,284,325 00CMFG LIFE INS CO62626 45.54%

$268,800,156 1,564,760846,872HUMANA GRP11917 97.69% 1.22%$6,976,437 13,1248,089HUMANA HLTH BENEFIT PLAN OF LA INC95642 61.14%$9,748,175 31,36017,198HUMANA HLTH INS CO OF FL INC69671 105.22%

$0 274,652143,965HUMANA HLTH PLAN INC95885 N/A$0 00HUMANA HLTH PLAN OF TX INC95024 N/A

$218,298,885 520,952300,304HUMANA INS CO73288 95.70%$33,776,659 77,59441,512HUMANA INS CO OF KY60219 115.91%

$0 10,0134,260HUMANA INS CO OF PR INC84603 N/A$0 637,065331,544HUMANADENTAL INS CO70580 N/A

$238,343,666 6,009,425650FAIRFAX FIN GRP15818 76.59% 1.09%$1,460,000 22,5681HUDSON INS CO25054 77.17%

$236,883,666 5,986,857649UNITED STATES FIRE INS CO21113 76.59%

© 2019 National Association of Insurance Commissioners 236

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Other 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

$210,728,402 1,402,885652,384BCBS OF MN GRP46119 88.86% 0.96%$185,935,914 1,387,692643,235BCBSM INC55026 90.47%

$24,792,488 15,1939,149MII LIFE INS INC61522 76.79%

$200,753,826 1,286,609595,159WELLMARK INC GRP77020 100.16% 0.91%$0 218,16996,604WELLMARK HLTH PLAN OF IA INC95531 N/A

$200,753,826 944,592442,872WELLMARK INC88848 100.16%$0 123,84855,683WELLMARK OF SD INC60128 N/A

$194,592,725 0669NATIONWIDE CORP GRP14021 71.38% 0.89%$194,592,725 0669NATIONWIDE LIFE INS CO66869 71.38%

$193,368,204 106,12264,583NATIONAL GEN GRP492822 70.27% 0.88%$2,960,744 1,8261,208INTEGON IND CORP22772 156.76%

$15,797,562 7,3215,000INTEGON NATL INS CO29742 60.44%$174,609,898 96,97558,375NATIONAL HLTH INS CO82538 69.70%

$184,892,376 2,861,637307MUNICH RE GRP36123 92.58% 0.84%$184,892,376 2,861,637307AMERICAN ALT INS CORP19720 92.58%

$171,163,610 521,781270,683MEDICAL MUT OF OH GRP73024 83.03% 0.78%$171,163,610 521,781270,683MEDICAL MUT OF OH29076 83.03%

$159,054,281 325,833246,058CHINA MINSHENG GRP486325 63.94% 0.72%$159,054,281 325,833246,058SIRIUS AMER INS CO38776 63.94%

$21,964,721,052 256,016,57775,211,74026 78.45%

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© 2019 National Association of Insurance Commissioners 238

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Market Share by Statement Type Other Business

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Other 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

$3,311,557,981 28,789,709CIGNA HLTH GRP9011 81,08378.39% 22.88% 22.88%$1,615,121,507 27,496,083CVS GRP12 15,792,56798.63% 11.16% 34.04%$1,514,801,088 3,540,772UNITEDHEALTH GRP7073 1,013,04781.42% 10.47% 44.51%$1,452,870,426 4,223,072SUN LIFE ASSUR CO OF CN GRP5494 2,09668.79% 10.04% 54.55%$1,302,684,567 4,141,099TOKIO MARINE HOLDINGS INC GRP30985 3,25281.68% 9.00% 63.55%

$933,523,009 5,160,225VOYA FINANCIAL GRP48326 2,243,57679.41% 6.45% 70.00%$723,159,914 3,810,141HIGHMARK GRP8127 1,905,07166.69% 5.00% 75.00%$702,115,572 6,101,370SUMITOMO LIFE INS GRP48558 2,314,13073.02% 4.85% 79.85%$460,996,135 730,263BCBS OF SC GRP6619 425,35574.36% 3.19% 83.03%$369,192,545 1,645,500WR BERKLEY CORP GRP9810 81679.18% 2.55% 85.58%$283,284,325 0CUNA MUT GRP30611 045.54% 1.96% 87.54%$194,592,725 0NATIONWIDE CORP GRP14012 66971.38% 1.34% 88.88%$174,609,898 96,975NATIONAL GEN GRP492813 58,37569.70% 1.21% 90.09%$146,332,498 262,958FIDELITY SECURITY GRP45114 139,25269.02% 1.01% 91.10%$123,176,945 711,459UNION LABOR GRP78115 309,62061.31% 0.85% 91.95%$120,584,642 217,079PREMERA BLUE CROSS GRP96216 28964.49% 0.83% 92.79%$116,633,343 58,812TRUSTMARK MUT HOLDING CO GRP27617 34,51066.42% 0.81% 93.59%$103,986,679 696,710APOLLO GLOBAL MGMT GRP473418 89,24348.24% 0.72% 94.31%

$98,440,830 135,750AMERICAN FIDELITY CORP GRP33019 89,58274.28% 0.68% 94.99%$88,608,456 611,485MINNESOTA MUT GRP86920 611,48547.77% 0.61% 95.60%$79,544,205 29,940PAN AMER LIFE GRP52521 4,62076.57% 0.55% 96.15%$77,143,141 905,345TIPTREE FIN GRP471822 905,34519.99% 0.53% 96.69%$71,823,617 376,050AMERICAN NATL FIN GRP40823 294,23746.71% 0.50% 97.18%$69,596,802 2,143,675GUARDIAN LIFE GRP42924 1,255,52982.40% 0.48% 97.66%$67,770,360 94,628BCBS OF KS GRP43025 46,42492.06% 0.47% 98.13%$44,372,371 118,736BLUE SHIELD OF CA GRP279826 61,842107.79% 0.31% 98.44%$33,776,659 87,607HUMANA GRP11927 45,772115.91% 0.23% 98.67%$31,697,134 0CENTRAL STATES GRP69028 015.71% 0.22% 98.89%$30,326,369 73,545AMALGAMATED LIFE INS CO6021629 6991.93% 0.21% 99.10%$24,391,557 94,990CAMBIA HEALTH SOLUTIONS INC120730 86,57761.21% 0.17% 99.27%$23,374,463 35,933AEGON US HOLDING GRP46831 35,32248.44% 0.16% 99.43%$12,497,871 702,760RGA INC GRP463932 6107.73% 0.09% 99.52%

$9,358,733 0FIRST TOWER GRP64133 017.94% 0.06% 99.58%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Other 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

$9,339,541 50,462PROTECTIVE LIFE INS GRP45834 50,46215.89% 0.06% 99.65%$8,719,835 66,133SWBC LIFE INS CO9953835 66,13312.11% 0.06% 99.71%$8,029,606 40,899PEKIN INS GRP15336 40,89948.16% 0.06% 99.76%$7,793,998 131,729ASSURANT INC GRP1937 131,7112.82% 0.05% 99.82%$4,427,142 0PLATEAU GRP62938 032.87% 0.03% 99.85%$3,760,670 0SECURITY GRP470939 011.12% 0.03% 99.87%$3,440,435 12,506AMERICAN ENTERPRISE MUT GRP352740 12,50620.38% 0.02% 99.90%$2,312,482 23,460INVESTORS HERITAGE LIFE INS CO6490441 10512.51% 0.02% 100.00%$1,778,307 9,803SOUTHLAND NATL HOLDING GRP482742 9,744(19.07)% 0.01% 100.00%$1,345,541 1,760WEA GRP493943 645109.96% 0.01% 100.00%$1,112,959 1,223NIPPON LIFE INS CO OF AMER8126444 60278.48% 0.01% 100.00%

$870,436 0GULF GUARANTY GRP94845 08.61% 0.01% 100.00%$743,840 6,193KENTUCKY NATL INS GRP470346 6,1899.69% 0.01% 100.00%$712,464 5,634MOUNTAIN LIFE INS CO8002047 5,62039.78% 0.00% 100.00%$687,331 8,478DELTA GRP59848 8,47821.65% 0.00% 100.00%$636,762 0WICHITA NATL LIFE GRP13249 031.76% 0.00% 100.00%$590,395 221,481ANTHEM INC GRP67150 113,30085.57% 0.00% 100.00%$582,916 3,653GUARANTEE TRUST GRP68751 8917.26% 0.00% 100.00%$552,786 12,667CITIZENS GRP61252 12,6678.16% 0.00% 100.00%$441,762 2,463FIRST NATL LIFE INS CO OF USA7423353 2,46343.33% 0.00% 100.00%$439,700 2,130LIFE ASSUR CO INC8567754 2,03611.70% 0.00% 100.00%$347,121 0COOPERATIVA DE SEGUROS DE VIDA7971555 0(80.01)% 0.00% 100.00%$300,551 0THE LDS GRP90556 010.70% 0.00% 100.00%$295,905 1,828GGC GRP473657 1,828(3.32)% 0.00% 100.00%$237,667 12,805KILPATRICK LIFE GRP483558 12,805113.86% 0.00% 100.00%$209,700 4,285MAPFRE INS GRP41159 4,28536.02% 0.00% 100.00%$179,245 0FOUNDATION LIFE INS CO OF AR8399260 020.85% 0.00% 100.00%$174,762 1,470INDIVIDUAL ASSUR CO LIFE HLTH & ACC8177961 055.10% 0.00% 100.00%$140,373 253NEW ERA LIFE GRP52062 10.00% 0.00% 100.00%$115,693 0ARKANSAS BANKERS LIFE INS CO8611863 608(7.64)% 0.00% 100.00%$74,217 197LIFE INS CO OF LA7509464 197100.94% 0.00% 100.00%$64,960 0MULTINATIONAL GRP480465 00.13% 0.00% 100.00%$61,598 915LANDCAR INS GRP50366 915(52.09)% 0.00% 100.00%

© 2019 National Association of Insurance Commissioners 242

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Other 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

$46,283 47HOPMEADOW HOLDINGS GRP492667 00.00% 0.00% 100.00%$26,342 0WELLS FARGO GRP47168 0256.27% 0.00% 100.00%$18,751 284HARTFORD FIRE & CAS GRP9169 1(91.72)% 0.00% 100.00%$11,577 86ECG GRP482670 860.00% 0.00% 100.00%$6,308 226ONEAMERICA FIN PARTNERS GRP61971 0(13.49)% 0.00% 100.00%$6,241 105AMERICAN INTL GRP1272 114905.75% 0.00% 100.00%$3,833 0HCSC GRP91773 00.00% 0.00% 100.00%$1,972 0UNIVERSAL GUAR LIFE INS CO7013074 00.00% 0.00% 100.00%

$333 0SAVINGS BANK LIFE GRP455375 3(1,501.50)% 0.00% 100.00%$107 4ALFA INS GRP576 4(10,793.46)% 0.00% 100.00%

$65 1SHELTER INS GRP12377 10.00% 0.00% 100.00%$48 0PRIMERICA GRP475078 0254.17% 0.00% 100.00%

$14,472,545,239 99,467,571GRAND TOTAL 32,238,99977.03% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Other 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

$2,141,778,190 29,398,053ANTHEM INC GRP6711 14,264,31780.42% 38.18% 38.18%$809,508,180 11,407,575HCSC GRP9172 5,422,76875.58% 14.43% 52.61%$345,454,962 3,136,754BCBS OF MI GRP5723 1,618,17471.01% 6.16% 58.77%$235,023,497 1,477,153HUMANA GRP1194 801,10095.07% 4.19% 62.95%$210,728,402 1,402,885BCBS OF MN GRP4615 652,38488.86% 3.76% 66.71%$200,753,826 1,286,609WELLMARK INC GRP7706 595,159100.16% 3.58% 70.29%$171,163,610 521,781MEDICAL MUT OF OH GRP7307 270,68383.03% 3.05% 73.34%$140,189,548 1,717,777BCBS OF MA GRP36378 839,32389.65% 2.50% 75.84%$122,626,566 1,581,116BCBS OF NC GRP7589 950,10671.85% 2.19% 78.03%$117,406,569 155,123NORIDIAN MUT INS CO5589110 71,09288.92% 2.09% 80.12%$98,079,966 0HEALTHPARTNERS GRP125811 0115.22% 1.75% 81.87%$90,796,856 781,121CAPITAL BLUE CROSS GRP123012 399,308103.25% 1.62% 83.48%$73,135,182 2,749,300GUIDEWELL MUT HOLDING GRP53613 1,520,63483.02% 1.30% 84.79%$72,603,974 1,078,206BCBS OF AZ INC5358914 539,21991.67% 1.29% 86.08%$67,885,684 1,567,045BCBS OF TN GRP349815 693,95480.60% 1.21% 87.29%$59,728,013 69,523EDUCATORS MUT GRP12616 703117.46% 1.06% 88.36%$59,498,844 1,172,112CAMBIA HEALTH SOLUTIONS INC120717 547,73267.74% 1.06% 89.42%$56,015,541 670,093LIFETIME HLTHCARE GRP118618 319,36494.99% 1.00% 90.42%$46,795,914 166,306CAREFIRST INC GRP38019 83,21951.05% 0.83% 91.25%$43,778,813 100,073PREFERREDONE GRP349220 49,372107.32% 0.78% 92.03%$40,514,739 302,250UNITEDHEALTH GRP70721 225,21157.22% 0.72% 92.75%$35,996,890 311,525BCBS OF KC GRP53722 136,93577.95% 0.64% 93.39%$33,412,790 252,827BLUE CROSS OF ID GRP129023 121,41670.22% 0.60% 93.99%$29,243,980 268,762BCBS OF NE GRP485824 121,24762.89% 0.52% 94.51%$28,917,333 0SPECTRUM HLTH GRP338325 00.00% 0.52% 95.03%$27,337,110 134,834LOUISIANA HLTH SERV GRP43826 70,43854.68% 0.49% 95.51%$27,307,769 0BCBS OF NJ GRP120227 085.82% 0.49% 96.00%$26,559,276 27,269AULTMAN HLTH FOUNDATION GRP480528 12,442101.24% 0.47% 96.47%$25,636,337 972,042BCBS OF SC GRP66129 521,70866.36% 0.46% 96.93%$24,514,424 2,529,890HIGHMARK GRP81230 1,208,06677.84% 0.44% 97.37%$20,991,275 174,189HEALTH NOW NY INC5520431 78,52187.84% 0.37% 97.74%$18,557,232 7,823PRESBYTERIAN HLTHCARE SERV GRP48132 4,76399.45% 0.33% 98.07%$12,776,524 0HEALTH PLAN GRP129733 086.18% 0.23% 98.30%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Other 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

$10,262,421 5,493LIBERTY UNION LIFE ASSUR CO6675334 2,74217.69% 0.18% 98.48%$10,093,485 66,988HAWAII MEDICAL SERV ASSN4994835 29,81741.36% 0.18% 98.66%

$8,980,881 65,364PACIFICSOURCE HLTH PLAN GRP470436 1747.22% 0.16% 98.82%$8,953,446 43,244BCBS OF RI5347337 17,85160.94% 0.16% 98.98%$8,907,824 4,203US HLTH & LIFE INS CO INC9777238 191133.44% 0.16% 99.14%$8,648,938 45,008CARLE HOLDING CO GRP119239 21,01877.96% 0.15% 99.30%$6,734,395 203,471IHC INC GRP88040 73,39364.71% 0.12% 99.42%$6,449,115 315,830HARVARD PILGRIM HLTH CARE GRP59541 156,46587.11% 0.11% 99.53%$5,453,892 4,087NETWORK HLTH GRP267842 168121.71% 0.10% 99.63%$5,368,337 111,821BCBS OF VT GRP474543 57,20692.52% 0.10% 99.72%$5,361,788 0OREGON DENTAL GRP131344 0213.89% 0.10% 99.82%$4,741,263 2,916SOLSTICE GRP486645 743.20% 0.08% 100.00%$1,173,167 0INDEPENDENT HLTH ASSN GRP489446 065.39% 0.02% 100.00%$1,123,326 394,849KAISER FOUNDATION GRP60147 62,06165.42% 0.02% 100.00%$1,082,390 35,526CATHOLIC HLTH INITIATIVES GRP480748 27,90679.23% 0.02% 100.00%

$652,355 51,158VANGUARD HLTH VENTURES GRP121249 22,722(33.87)% 0.01% 100.00%$621,443 1,372BCBS OF WY5376750 60017.88% 0.01% 100.00%$610,137 383PHP INDIANA GRP382851 689.96% 0.01% 100.00%

$82,660 15,002FIRSTCARE GRP354952 7,163(41.50)% 0.00% 100.00%$25 1,772UNIVERSITY HLTH CARE & GUNDERSEN LUT487053 1,256(3,451,336.00)% 0.00% 100.00%

$5,610,017,849 145,135,619GRAND TOTAL 42,447,30281.91% 100.00%

© 2019 National Association of Insurance Commissioners 245

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Other 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

$366,447,308 0SWISS RE GRP1811 076.78% 19.51% 19.51%$288,958,888 0QBE INS GRP7962 071.81% 15.38% 34.89%$238,343,666 6,009,425FAIRFAX FIN GRP1583 65076.59% 12.69% 47.58%$184,892,376 2,861,637MUNICH RE GRP3614 30792.58% 9.84% 57.43%$159,054,281 325,833CHINA MINSHENG GRP48635 246,05863.94% 8.47% 65.90%$126,818,647 247,898LIBERTY MUT GRP1116 40281.34% 6.75% 72.65%$120,378,224 23,880BERKSHIRE HATHAWAY GRP317 23,88096.18% 6.41% 79.06%

$82,494,033 599,002HOUSTON INTL INS GRP43818 28474.20% 4.39% 83.45%$76,833,357 532,351BCS INS GRP239 92896.15% 4.09% 87.54%$67,227,298 236,146ZURICH INS GRP21210 131,19278.25% 3.58% 91.12%$55,975,296 63,390AXA INS GRP96811 23467.13% 2.98% 94.10%$54,549,723 336,347PARTNERRE GRP348312 7984.02% 2.90% 97.00%$22,449,697 43,788BENCHMARK HOLDING GRP488613 082.17% 1.20% 98.20%$18,758,306 9,147NATIONAL GEN GRP492814 6,20875.64% 1.00% 99.20%

$4,195,850 89,373ASSURANT INC GRP1915 89,373(6.49)% 0.22% 99.42%$4,093,719 9,935HIGHMARK GRP81216 4,96870.57% 0.22% 99.64%$3,659,228 11,081STATE FARM GRP17617 11,08131.26% 0.19% 99.83%$2,902,895 78ARCH INS GRP127918 198301.29% 0.15% 100.00%

$227,737 9,591AEGON US HOLDING GRP46819 9,5913.64% 0.01% 100.00%$24,096 0AMTRUST FINANCIAL SERV GRP253820 076.74% 0.00% 100.00%

$1,878,284,625 11,410,961GRAND TOTAL 525,43479.08% 100.00%

© 2019 National Association of Insurance Commissioners 246

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Other 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

$3,873,339 2,426EVERENCE GRP46161 576.50% 100.00% 100.00%

$3,873,339 2,426GRAND TOTAL 576.50% 100.00%

© 2019 National Association of Insurance Commissioners 247

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© 2019 National Association of Insurance Commissioners 248

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Market Share by Line of Business

Other Business

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© 2019 National Association of Insurance Commissioners 250

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Other 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)

$897,009,156 0ANTHEM INC GRP6711 084.04% 55.76% 55.76%$283,284,325 0CUNA MUT GRP3062 045.54% 17.61% 73.37%$103,986,679 696,710APOLLO GLOBAL MGMT GRP47343 89,24348.27% 6.46% 79.84%

$88,608,456 611,485MINNESOTA MUT GRP8694 611,48547.77% 5.51% 85.34%$77,143,141 905,345TIPTREE FIN GRP47185 905,34519.99% 4.80% 90.14%$31,697,134 0CENTRAL STATES GRP6906 015.71% 1.97% 92.11%$26,176,493 163,188AMERICAN NATL FIN GRP4087 160,81525.72% 1.63% 93.74%$18,557,232 7,823PRESBYTERIAN HLTHCARE SERV GRP4818 4,76399.45% 1.15% 94.89%$11,989,848 221,102ASSURANT INC GRP199 221,084(0.44)% 0.75% 95.64%$9,358,733 0FIRST TOWER GRP64110 017.94% 0.58% 96.22%$9,339,541 50,462PROTECTIVE LIFE INS GRP45811 50,46215.89% 0.58% 96.80%$8,719,835 66,133SWBC LIFE INS CO9953812 66,13312.11% 0.54% 97.34%$8,029,606 40,899PEKIN INS GRP15313 40,89948.16% 0.50% 97.84%$4,675,006 44,906AEGON US HOLDING GRP46814 44,90637.55% 0.29% 98.13%$4,427,142 0PLATEAU GRP62915 032.87% 0.28% 98.41%$3,760,670 0SECURITY GRP470916 011.12% 0.23% 98.64%$3,659,228 11,081STATE FARM GRP17617 11,08131.26% 0.23% 98.87%$3,440,435 12,506AMERICAN ENTERPRISE MUT GRP352718 12,50620.38% 0.21% 99.08%$3,015,834 23,880BERKSHIRE HATHAWAY GRP3119 23,8807.69% 0.19% 99.27%$2,312,482 23,460INVESTORS HERITAGE LIFE INS CO6490420 10512.51% 0.14% 99.41%$1,778,307 9,803SOUTHLAND NATL HOLDING GRP482721 9,744(19.07)% 0.11% 99.52%

$779,448 0GULF GUARANTY GRP94822 010.57% 0.05% 99.57%$743,840 6,193KENTUCKY NATL INS GRP470323 6,1899.69% 0.05% 99.62%$712,464 5,634MOUNTAIN LIFE INS CO8002024 5,62039.78% 0.04% 99.66%$687,331 8,478DELTA GRP59825 8,47821.65% 0.04% 99.70%$636,762 0WICHITA NATL LIFE GRP13226 031.76% 0.04% 99.74%$582,916 3,653GUARANTEE TRUST GRP68727 8917.26% 0.04% 99.78%$552,786 12,667CITIZENS GRP61228 12,6678.16% 0.03% 99.81%$441,762 2,463FIRST NATL LIFE INS CO OF USA7423329 2,46343.33% 0.03% 99.84%$439,700 2,130LIFE ASSUR CO INC8567730 2,03611.70% 0.03% 99.87%$347,121 0COOPERATIVA DE SEGUROS DE VIDA7971531 0(80.01)% 0.02% 99.89%$300,551 0THE LDS GRP90532 010.70% 0.02% 100.00%$295,905 1,828GGC GRP473633 1,828(3.32)% 0.02% 100.00%$237,667 12,805KILPATRICK LIFE GRP483534 12,805113.86% 0.01% 100.00%$209,700 4,285MAPFRE INS GRP41135 4,28536.02% 0.01% 100.00%$179,245 0FOUNDATION LIFE INS CO OF AR8399236 020.85% 0.01% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Other 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)

$174,762 1,470INDIVIDUAL ASSUR CO LIFE HLTH & ACC8177937 055.10% 0.01% 100.00%$115,693 0ARKANSAS BANKERS LIFE INS CO8611838 608(7.64)% 0.01% 100.00%$74,217 197LIFE INS CO OF LA7509439 197100.94% 0.00% 100.00%$64,960 0MULTINATIONAL GRP480440 00.13% 0.00% 100.00%$61,598 915LANDCAR INS GRP50341 915(52.09)% 0.00% 100.00%$26,342 0WELLS FARGO GRP47142 0256.27% 0.00% 100.00%$24,096 0AMTRUST FINANCIAL SERV GRP253843 076.74% 0.00% 100.00%$11,577 86ECG GRP482644 860.00% 0.00% 100.00%$6,308 226ONEAMERICA FIN PARTNERS GRP61945 0(13.49)% 0.00% 100.00%$6,241 105AMERICAN INTL GRP1246 114905.75% 0.00% 100.00%$3,833 0HCSC GRP91747 00.00% 0.00% 100.00%$1,972 0UNIVERSAL GUAR LIFE INS CO7013048 00.00% 0.00% 100.00%

$333 0SAVINGS BANK LIFE GRP455349 3(1,501.50)% 0.00% 100.00%$107 4ALFA INS GRP550 4(10,793.46)% 0.00% 100.00%

$65 1SHELTER INS GRP12351 10.00% 0.00% 100.00%$48 0PRIMERICA GRP475052 0254.17% 0.00% 100.00%

$1,608,644,945 2,953,881GRAND TOTAL 2,312,79764.39% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Other 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

$3,311,557,981 4,649,563CIGNA HLTH GRP9011 63,52778.39% 16.27% 16.27%$1,615,121,507 2,239,347CVS GRP12 2,177,61698.63% 7.93% 24.20%$1,555,315,827 3,409,749UNITEDHEALTH GRP7073 876,23280.79% 7.64% 31.84%$1,452,870,426 4,223,072SUN LIFE ASSUR CO OF CN GRP5494 2,09668.79% 7.14% 38.98%$1,302,684,567 4,141,099TOKIO MARINE HOLDINGS INC GRP30985 3,25281.68% 6.40% 45.38%$1,245,359,429 3,765,338ANTHEM INC GRP6716 1,768,25177.81% 6.12% 51.50%

$933,523,009 5,160,225VOYA FINANCIAL GRP48327 2,243,57679.41% 4.59% 56.08%$809,508,180 2,080,860HCSC GRP9178 1,015,68375.58% 3.98% 60.06%$751,768,057 3,821,798HIGHMARK GRP8129 1,911,27667.07% 3.69% 63.75%$702,115,572 6,101,370SUMITOMO LIFE INS GRP485510 2,314,13073.02% 3.45% 67.20%$486,632,472 827,176BCBS OF SC GRP66111 477,25573.94% 2.39% 69.59%$369,192,545 1,645,500WR BERKLEY CORP GRP9812 81679.18% 1.81% 71.41%$366,447,308 0SWISS RE GRP18113 076.78% 1.80% 73.21%$345,454,962 619BCBS OF MI GRP57214 61971.01% 1.70% 74.90%$288,958,888 0QBE INS GRP79615 071.81% 1.42% 76.32%$268,800,156 445,780HUMANA GRP11916 266,47397.69% 1.32% 77.64%$238,343,666 6,009,425FAIRFAX FIN GRP15817 65076.59% 1.17% 78.82%$210,728,402 15,193BCBS OF MN GRP46118 9,14988.86% 1.04% 79.85%$200,753,826 514,451WELLMARK INC GRP77019 241,365100.16% 0.99% 80.84%$194,592,725 0NATIONWIDE CORP GRP14020 66971.38% 0.96% 81.79%$193,368,204 106,122NATIONAL GEN GRP492821 64,58370.27% 0.95% 82.74%$184,892,376 2,861,637MUNICH RE GRP36122 30792.58% 0.91% 83.65%$171,163,610 521,781MEDICAL MUT OF OH GRP73023 270,68383.03% 0.84% 84.49%$159,054,281 325,833CHINA MINSHENG GRP486324 246,05863.94% 0.78% 85.27%$146,332,498 262,958FIDELITY SECURITY GRP45125 139,25269.02% 0.72% 85.99%$140,189,548 0BCBS OF MA GRP363726 089.65% 0.69% 86.68%$126,818,647 247,898LIBERTY MUT GRP11127 40281.34% 0.62% 87.30%$123,176,945 710,946UNION LABOR GRP78128 309,10761.31% 0.61% 87.91%$122,626,566 306,820BCBS OF NC GRP75829 181,54771.85% 0.60% 88.51%$120,584,642 217,079PREMERA BLUE CROSS GRP96230 28964.49% 0.59% 89.10%$117,406,569 1,048NORIDIAN MUT INS CO5589131 1,04888.92% 0.58% 89.68%$117,362,390 0BERKSHIRE HATHAWAY GRP3132 098.46% 0.58% 90.26%$116,633,343 58,812TRUSTMARK MUT HOLDING CO GRP27633 34,51066.42% 0.57% 90.83%$98,440,830 135,750AMERICAN FIDELITY CORP GRP33034 89,58274.28% 0.48% 91.31%$98,079,966 0HEALTHPARTNERS GRP125835 0115.22% 0.48% 91.79%$90,796,856 363,582CAPITAL BLUE CROSS GRP123036 194,710103.25% 0.45% 92.24%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Other 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

$83,890,401 379,510CAMBIA HEALTH SOLUTIONS INC120737 210,45265.84% 0.41% 92.65%$82,494,033 599,002HOUSTON INTL INS GRP438138 28474.20% 0.41% 93.06%$79,544,205 29,940PAN AMER LIFE GRP52539 4,62076.57% 0.39% 93.45%$76,833,357 532,351BCS INS GRP2340 92896.15% 0.38% 93.83%$73,135,182 159,477GUIDEWELL MUT HOLDING GRP53641 91,86283.02% 0.36% 94.19%$72,603,974 193,829BCBS OF AZ INC5358942 102,08891.67% 0.36% 94.54%$69,596,802 127,145GUARDIAN LIFE GRP42943 69,78882.40% 0.34% 94.88%$67,885,684 271,768BCBS OF TN GRP349844 13980.60% 0.33% 95.22%$67,770,360 94,628BCBS OF KS GRP43045 46,42492.06% 0.33% 95.55%$67,227,298 236,146ZURICH INS GRP21246 131,19278.25% 0.33% 95.88%$59,728,013 69,523EDUCATORS MUT GRP12647 703117.46% 0.29% 96.17%$56,015,541 0LIFETIME HLTHCARE GRP118648 094.99% 0.28% 96.45%$55,975,296 63,390AXA INS GRP96849 23467.13% 0.27% 96.72%$54,549,723 336,347PARTNERRE GRP348350 7984.02% 0.27% 96.99%$46,795,914 166,306CAREFIRST INC GRP38051 83,21951.05% 0.23% 97.22%$45,647,124 212,862AMERICAN NATL FIN GRP40852 133,42258.76% 0.22% 97.45%$44,372,371 118,736BLUE SHIELD OF CA GRP279853 61,842107.79% 0.22% 97.66%$43,778,813 100,073PREFERREDONE GRP349254 49,372107.32% 0.22% 97.88%$35,996,890 104,436BCBS OF KC GRP53755 46,03077.95% 0.18% 98.06%$33,412,790 0BLUE CROSS OF ID GRP129056 070.22% 0.16% 98.22%$30,326,369 73,545AMALGAMATED LIFE INS CO6021657 6991.93% 0.15% 98.37%$29,243,980 0BCBS OF NE GRP485858 062.89% 0.14% 98.51%$28,917,333 0SPECTRUM HLTH GRP338359 00.00% 0.14% 98.66%$27,337,110 134,834LOUISIANA HLTH SERV GRP43860 70,43854.68% 0.13% 98.79%$27,307,769 0BCBS OF NJ GRP120261 085.82% 0.13% 98.92%$26,559,276 27,269AULTMAN HLTH FOUNDATION GRP480562 12,442101.24% 0.13% 99.05%$22,449,697 43,788BENCHMARK HOLDING GRP488663 082.17% 0.11% 99.16%$20,991,275 0HEALTH NOW NY INC5520464 087.84% 0.10% 99.27%$18,927,194 618AEGON US HOLDING GRP46865 750.59% 0.09% 99.36%$12,776,524 0HEALTH PLAN GRP129766 086.18% 0.06% 99.42%$12,497,871 702,760RGA INC GRP463967 6107.73% 0.06% 99.49%$10,262,421 5,493LIBERTY UNION LIFE ASSUR CO6675368 2,74217.69% 0.05% 99.54%$10,093,485 57,989HAWAII MEDICAL SERV ASSN4994869 26,33341.36% 0.05% 99.59%

$8,980,881 65,364PACIFICSOURCE HLTH PLAN GRP470470 1747.22% 0.04% 99.63%$8,953,446 43,244BCBS OF RI5347371 17,85160.94% 0.04% 99.67%$8,907,824 4,203US HLTH & LIFE INS CO INC9777272 191133.44% 0.04% 99.72%$8,648,938 0CARLE HOLDING CO GRP119273 077.96% 0.04% 99.76%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Other 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

$6,734,395 0IHC INC GRP88074 1364.71% 0.03% 99.79%$6,449,115 4,164HARVARD PILGRIM HLTH CARE GRP59575 4,16487.11% 0.03% 99.82%$5,453,892 4,087NETWORK HLTH GRP267876 168121.71% 0.03% 99.85%$5,368,337 414BCBS OF VT GRP474577 23592.52% 0.03% 99.88%$5,361,788 0OREGON DENTAL GRP131378 0213.89% 0.03% 100.00%$4,741,263 2,916SOLSTICE GRP486679 743.20% 0.02% 100.00%$3,873,339 2,426EVERENCE GRP461680 576.50% 0.02% 100.00%$2,902,895 78ARCH INS GRP127981 198301.29% 0.01% 100.00%$1,345,541 1,760WEA GRP493982 645109.96% 0.01% 100.00%$1,173,167 0INDEPENDENT HLTH ASSN GRP489483 065.39% 0.01% 100.00%$1,123,326 109,141KAISER FOUNDATION GRP60184 265.42% 0.01% 100.00%$1,112,959 1,223NIPPON LIFE INS CO OF AMER8126485 60278.48% 0.01% 100.00%$1,082,390 982CATHOLIC HLTH INITIATIVES GRP480786 58679.23% 0.01% 100.00%

$652,355 633VANGUARD HLTH VENTURES GRP121287 1(33.87)% 0.00% 100.00%$621,443 1,372BCBS OF WY5376788 60017.88% 0.00% 100.00%$610,137 383PHP INDIANA GRP382889 689.96% 0.00% 100.00%$140,373 253NEW ERA LIFE GRP52090 10.00% 0.00% 100.00%

$90,988 0GULF GUARANTY GRP94891 0(8.18)% 0.00% 100.00%$82,660 0FIRSTCARE GRP354992 0(41.50)% 0.00% 100.00%$46,283 47HOPMEADOW HOLDINGS GRP492693 00.00% 0.00% 100.00%$18,751 284HARTFORD FIRE & CAS GRP9194 1(91.72)% 0.00% 100.00%

$25 0UNIVERSITY HLTH CARE & GUNDERSEN LUT487095 0,451,336.00)% 0.00% 100.00%

$20,356,076,107 60,262,125GRAND TOTAL 16,077,01379.56% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Other 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

$2,503,973,580 751AFLAC GRP3701 751(1,881.97)% 61.76% 61.76%$480,216,457 921,531METROPOLITAN GRP2412 431,51365.11% 11.84% 73.61%$468,483,046 0CHUBB LTD GRP6263 049.42% 11.56% 85.16%$295,518,071 14,872,098ASSURANT INC GRP194 14,871,05810.53% 7.29% 92.45%$105,130,712 21,999BUPA INS CO816475 13,74966.59% 2.59% 95.04%

$54,370,172 1,695AMERICAN INTL GRP126 2,83224.03% 1.34% 96.39%$42,433,225 114,640PAN AMER LIFE GRP5257 60,07355.58% 1.05% 97.43%$30,057,254 147,755WR BERKLEY CORP GRP988 51,16328.24% 0.74% 98.17%$29,007,627 97,049APOLLO GLOBAL MGMT GRP47349 2430.35% 0.72% 98.89%$13,591,429 198,278ALLIANZ INS GRP76110 198,27853.65% 0.34% 99.22%$11,040,772 0BERKSHIRE HATHAWAY GRP3111 059.80% 0.27% 99.50%$8,749,608 0STARR GRP467012 057.41% 0.22% 99.71%$8,607,403 5,352BEST MERIDIAN INS CO6388613 2,32656.32% 0.21% 100.00%$4,116,906 6,242KNIGHTS OF COLUMBUS5803314 6,25614.25% 0.10% 100.00%$2,423,903 772AMFIRST HOLDINGS GRP471915 436.98% 0.06% 100.00%$1,279,177 9,215SOUTHLAND NATL HOLDING GRP482716 8,15843.48% 0.03% 100.00%

$742,702 0CUNA MUT GRP30617 014.08% 0.02% 100.00%$631,551 3,249MARQUETTE IND & LIFE INS CO8739418 3,24926.69% 0.02% 100.00%$384,198 1,484NEW YORK LIFE GRP82619 1,24291.85% 0.01% 100.00%$294,957 0LINCOLN NATL GRP2020 062.37% 0.01% 100.00%$233,299 4,108AXIS CAPITAL GRP341621 15035.10% 0.01% 100.00%

$53,037 0ORDER OF UNITED COMMERCIAL TRAVELERS5638322 0436.22% 0.00% 100.00%$22,035 721MAPFRE INS GRP41123 328.41% 0.00% 100.00%

$114 2TORCHMARK CORP GRP29024 21,533.33% 0.00% 100.00%

$4,054,247,963 16,406,954GRAND TOTAL 15,650,873(1,144.58)% 100.00%

© 2019 National Association of Insurance Commissioners 256

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Accident and Health Policy Experience Report Grand Total (Individual, Group, and Other)

Business

© 2019 National Association of Insurance Commissioners 257

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© 2019 National Association of Insurance Commissioners 258

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Market Share for the Top 125 Insurers

Grand Total Business

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Market 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

$157,433,584,041 42,690,304UNITEDHEALTH GRP7071 32,161,07881.51% 17.33% 17.33%$67,419,570,060 47,985,761ANTHEM INC GRP6712 27,261,65482.41% 7.42% 24.75%$56,018,733,290 17,299,635HUMANA GRP1193 14,050,98681.86% 6.17% 30.92%$54,281,253,849 43,530,048CVS GRP14 29,929,99582.89% 5.98% 36.90%$37,782,076,337 19,489,729HCSC GRP9175 10,296,11980.59% 4.16% 41.06%$36,292,537,995 6,310,154CENTENE CORP GRP12956 5,970,50784.61% 4.00% 45.05%$28,798,931,700 58,585,897CIGNA HLTH GRP9017 3,634,11779.66% 3.17% 48.22%$20,488,849,296 5,117,107WELLCARE GRP11998 5,116,49384.49% 2.26% 50.48%$19,259,360,919 3,586,280KAISER FOUNDATION GRP6019 2,113,94893.42% 2.12% 52.60%$18,056,819,672 5,954,660GUIDEWELL MUT HOLDING GRP53610 3,647,18577.99% 1.99% 54.59%$16,273,149,504 3,181,934MOLINA HEALTHCARE INC GRP153111 3,074,84179.46% 1.79% 56.38%$16,174,803,997 3,946,846INDEPENDENCE HLTH GRP INC GRP93612 2,998,33885.01% 1.78% 58.16%$14,856,640,514 17,255,459HIGHMARK GRP81213 9,239,46682.97% 1.64% 59.79%$14,216,937,710 5,462,621BCBS OF MI GRP57214 3,147,93281.38% 1.57% 61.36%$13,162,125,808 2,561,897BCBS OF NJ GRP120215 1,835,65886.43% 1.45% 62.81%

$9,493,884,115 1,533,935CARESOURCE GRP368316 1,469,71787.25% 1.05% 63.85%$9,142,149,606 3,161,923BCBS OF NC GRP75817 2,053,45474.30% 1.01% 64.86%$9,014,785,657 1,755,880CAREFIRST INC GRP38018 986,71783.08% 0.99% 65.85%$8,434,312,135 1,860,492UPMC HLTH SYSTEM GRP132419 1,724,26290.19% 0.93% 66.78%$8,120,422,047 4,001,047BCBS OF MA GRP363720 2,214,56286.80% 0.89% 67.67%$8,061,361,927 30,343,905METROPOLITAN GRP24121 444,93486.06% 0.89% 68.56%$8,055,143,210 3,787,007BCBS OF TN GRP349822 2,236,30177.69% 0.89% 69.45%$7,668,166,438 2,665,887EMBLEM HLTH GRP112723 1,531,89286.56% 0.84% 70.29%$6,414,986,184 2,628,044BCBS OF MN GRP46124 1,729,14885.70% 0.71% 71.00%$6,274,889,721 25,337,440UNUM GRP56525 4,227,95088.79% 0.69% 71.69%$6,053,336,532 3,347,110BCBS OF AL GRP57026 1,909,30484.68% 0.67% 72.36%$5,881,647,485 1,855,163LIFETIME HLTHCARE GRP118627 1,184,01291.93% 0.65% 73.00%$5,449,517,976 3,002,013CAMBIA HEALTH SOLUTIONS INC120728 1,854,04579.50% 0.60% 73.60%$5,422,202,023 22,535,224AFLAC GRP37029 12,512,89251.57% 0.60% 74.20%$5,396,406,564 4,085,169BCBS OF SC GRP66130 2,547,05276.47% 0.59% 74.80%$5,124,174,074 844,115TUFTS GRP474231 720,29286.06% 0.56% 75.36%$4,562,918,165 568,911MEDICA GRP155232 416,99080.31% 0.50% 75.86%$4,284,190,203 25,041,183MUTUAL OF OMAHA GRP26133 8,533,91077.26% 0.47% 76.33%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Market 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

$4,109,577,028 22,297,754GUARDIAN LIFE GRP42934 13,653,78565.89% 0.45% 76.79%$3,883,328,831 2,483,218PREMERA BLUE CROSS GRP96235 1,193,24782.51% 0.43% 77.21%$3,827,288,614 2,253,025WELLMARK INC GRP77036 1,242,87783.90% 0.42% 77.63%$3,820,101,450 697,359SPECTRUM HLTH GRP338337 478,99683.90% 0.42% 78.06%$3,733,104,207 1,108,933HEALTHPARTNERS GRP125838 661,00387.43% 0.41% 78.47%$3,619,194,511 724,008HAWAII MEDICAL SERV ASSN4994839 498,52685.86% 0.40% 78.86%$3,565,720,629 902,310LOUISIANA HLTH SERV GRP43840 547,03379.19% 0.39% 79.26%$3,425,863,783 402,238UCARE GRP438041 392,62591.73% 0.38% 79.63%$3,406,277,281 504,149MVP GRP119842 405,04187.18% 0.37% 80.01%$3,179,080,004 570,276GEISINGER INS GRP114343 446,85684.14% 0.35% 80.36%$3,141,706,845 803,156HARVARD PILGRIM HLTH CARE GRP59544 461,05081.74% 0.35% 80.71%$3,132,327,198 1,177,963MEDICAL MUT OF OH GRP73045 677,59881.72% 0.34% 81.05%$3,120,707,721 894,647IHC INC GRP88046 449,07980.48% 0.34% 81.39%$2,879,401,714 2,311,601ARKANSAS BCBS GRP87647 1,190,85679.79% 0.32% 81.71%$2,797,995,150 1,244,655GENWORTH FIN GRP401148 1,138,429155.57% 0.31% 82.02%$2,775,618,977 108,605TRIPLE S GRP480249 108,60582.25% 0.31% 82.32%$2,758,993,874 18,210,641LINCOLN NATL GRP2050 8,943,21680.34% 0.30% 82.63%$2,655,600,833 166,334HEALTHFIRST INC GRP477851 165,50684.95% 0.29% 82.92%$2,647,129,350 576,416HEALTH NOW NY INC5520452 335,18884.24% 0.29% 83.21%$2,592,114,979 907,731BLUE SHIELD OF CA GRP279853 766,75087.56% 0.29% 83.50%$2,430,178,994 353,906SENTARA HLTH MGMT GRP118354 301,35084.20% 0.27% 83.76%$2,368,571,980 806,140MAGELLAN HLTH INC GRP126055 636,15166.52% 0.26% 84.03%$2,346,479,176 49,892,954TOKIO MARINE HOLDINGS INC GRP309856 65,79782.86% 0.26% 84.28%$2,334,368,725 1,319,852CAPITAL BLUE CROSS GRP123057 677,44681.09% 0.26% 84.54%$2,293,636,838 895,401BCBS OF KS GRP43058 522,16485.50% 0.25% 84.79%$2,293,083,387 394,681BOSTON MEDICAL CENTER HLTH PLAN INC1320359 378,19293.72% 0.25% 85.05%$2,292,846,008 424,546PRESBYTERIAN HLTHCARE SERV GRP48160 390,33884.81% 0.25% 85.30%$2,248,965,931 1,223,994JOHN HANCOCK GRP90461 1,223,710109.15% 0.25% 85.55%$2,213,635,606 8,212,389SUN LIFE ASSUR CO OF CN GRP54962 79,00771.04% 0.24% 85.79%$2,213,191,495 1,529,208BCBS OF AZ INC5358963 803,16977.75% 0.24% 86.03%$2,212,865,287 648,331PROVIDENCE HLTH GRP478864 381,15388.39% 0.24% 86.28%$2,191,123,821 330,302MEDICAL CARD SYSTEM INC GRP130165 265,23982.76% 0.24% 86.52%$2,119,788,994 532,059MCLAREN HLTH GRP470066 517,66692.66% 0.23% 86.75%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Market 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

$2,075,441,846 301,133CDPHP INC GRP470867 227,83385.53% 0.23% 86.98%$2,043,190,045 1,307,865NORTHWESTERN MUT GRP86068 1,089,04462.39% 0.22% 87.20%$2,037,744,335 263,065INDEPENDENT HLTH ASSN GRP489469 200,78687.71% 0.22% 87.43%$2,013,749,180 15,313,719HARTFORD FIRE & CAS GRP9170 124,70268.91% 0.22% 87.65%$1,960,788,257 274,780HEALTH PARTNERS PLANS INC9506671 274,78079.23% 0.22% 87.87%$1,945,920,405 319,575UNIVERSITY HLTH CARE INC5262172 319,57594.88% 0.21% 88.08%$1,904,128,951 835,951BCBS OF KC GRP53773 438,70481.70% 0.21% 88.29%$1,903,865,943 1,848,042CNO FINANCIAL GRP23374 1,470,986107.01% 0.21% 88.50%$1,900,960,754 55,099,821VISION SERV PLAN GRP118975 329,29077.94% 0.21% 88.71%$1,895,665,436 5,264,797PRINCIPAL FIN GRP33276 4,012,65461.86% 0.21% 88.92%$1,881,453,374 313,169HENRY FORD HLTH SYSTEM GRP131177 184,63186.78% 0.21% 89.13%$1,823,636,887 16,187,901AEGON US HOLDING GRP46878 12,296,58088.11% 0.20% 89.33%$1,720,682,853 9,657,254MEIJI YASUDA LIFE INS GRP134879 9,091,43470.89% 0.19% 89.52%$1,714,689,909 334,754VANGUARD HLTH VENTURES GRP121280 293,55688.19% 0.19% 89.70%$1,711,082,896 376,885BCBS OF RI5347381 245,65181.66% 0.19% 89.89%$1,695,759,345 322,428UNIVERSITY HLTH CARE & GUNDERSEN LUT487082 187,24089.68% 0.19% 90.08%$1,678,937,239 434,141TEXAS CHILDRENS HLTH PLAN INC9532983 434,14192.12% 0.18% 90.26%$1,671,353,372 389,187HARRIS HLTH GRP489284 344,59685.61% 0.18% 90.45%$1,663,319,590 32,324,392DENTEGRA GRP247985 2,146,95373.04% 0.18% 90.63%$1,607,195,434 595,243BCBS OF NE GRP485886 338,65384.59% 0.18% 90.81%$1,597,548,798 545,686BLUE CROSS OF ID GRP129087 288,42183.58% 0.18% 90.98%$1,587,873,391 11,858,452RENAISSANCE HLTH SERV CORP GRP47788 5,981,48481.01% 0.17% 91.16%$1,538,603,640 216,214FALLON GRP474189 169,62290.89% 0.17% 91.33%$1,524,511,438 0CHUBB LTD GRP62690 055.92% 0.17% 91.50%$1,495,235,433 230,643CARLE HOLDING CO GRP119291 137,55484.57% 0.16% 91.66%$1,490,699,490 9,906,552PRUDENTIAL OF AMER GRP30492 84,152235.20% 0.16% 91.82%$1,377,464,664 193,920NEIGHBORHOOD HLTH PLAN OF RI INC9540293 193,92090.34% 0.15% 91.98%$1,374,726,946 627,202MISSISSIPPI INS GRP112694 409,78487.19% 0.15% 92.13%$1,371,383,854 263,937DEAN HLTH GRP129495 165,66486.34% 0.15% 92.28%$1,340,072,854 205,361SECURITY HLTH PLAN OF WI INC9688196 160,27689.81% 0.15% 92.43%$1,278,322,975 8,946,780VOYA FINANCIAL GRP483297 4,203,02470.67% 0.14% 92.57%$1,188,417,686 476,998NORIDIAN MUT INS CO5589198 258,62386.89% 0.13% 92.70%$1,116,949,891 258,947PACIFICSOURCE HLTH PLAN GRP470499 164,99881.97% 0.12% 92.82%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Market 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

$1,076,135,137 25,667ELDERPLAN INC95662100 25,66785.01% 0.12% 92.94%$1,045,908,240 120,597PARTNERS HEALTHCARE SYSTEM GRP4934101 94,86987.67% 0.12% 93.05%$1,038,845,112 4,810,575TORCHMARK CORP GRP290102 12,260,93862.99% 0.11% 93.17%$1,022,031,571 1,088,922STATE FARM GRP176103 945,61093.07% 0.11% 93.28%$1,002,472,110 7,446,173ALLSTATE INS GRP8104 3,875,39352.87% 0.11% 93.39%

$995,296,472 157,544NETWORK HLTH GRP2678105 129,21588.66% 0.11% 93.50%$963,541,513 12,605,000FIDELITY SECURITY GRP451106 6,090,05672.16% 0.11% 93.61%$952,402,840 2,200,139AMERITAS MUT HOLDING GRP943107 318,84062.56% 0.10% 93.71%$942,854,240 2,098,372AMERICAN FIDELITY CORP GRP330108 1,732,27956.15% 0.10% 93.82%$939,685,954 3,830,420MCNA GRP4730109 3,830,42083.62% 0.10% 93.92%$928,307,304 253,623AVMED INC95263110 151,15385.78% 0.10% 94.02%$918,030,697 189,305SANFORD HLTH GRP1246111 102,92692.38% 0.10% 94.12%$901,277,795 187,634MULBERRY HLTH GRP4818112 119,61582.05% 0.10% 94.22%$880,908,362 8,498,339SUMITOMO LIFE INS GRP4855113 4,759,40773.02% 0.10% 94.32%$865,757,978 265,307COMMUNITY HLTH PLAN OF WA47049114 265,30786.94% 0.10% 94.41%$813,289,764 225,504SCOTT & WHITE GRP600115 155,31583.52% 0.09% 94.50%$774,012,829 159,925BAYSTATE HLTH GRP4756116 107,72686.57% 0.09% 94.59%$747,383,949 332,690MASS MUT LIFE INS GRP435117 341,045137.82% 0.08% 94.67%$743,609,902 64,632ESSENCE HLTHCARE INC11699118 64,63276.62% 0.08% 94.75%$739,162,570 73,257VIVA HLTH INC95322119 61,00384.87% 0.08% 94.83%$688,764,289 136,400HEALTH PLAN GRP1297120 119,91794.67% 0.08% 94.91%$685,131,210 783,253AMERICAN INTL GRP12121 480,38152.50% 0.08% 94.99%$670,134,698 77,943HEALTH FIRST GRP4740122 64,26680.54% 0.07% 95.06%$649,685,284 95,690COMMUNITYCARE GRP3487123 67,46487.47% 0.07% 95.13%$641,874,235 137,385WEA GRP4939124 71,05591.48% 0.07% 95.20%$616,938,137 96,933BCBS OF WY53767125 62,11874.93% 0.07% 95.27%

$908,344,188,556 937,053,460GRAND TOTAL 411,007,46183.05% 100.00%

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Top 25 Groups by Company

Grand Total Business

© 2019 National Association of Insurance Commissioners 265

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© 2019 National Association of Insurance Commissioners 266

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Market 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

$157,433,584,041 42,690,30432,161,078UNITEDHEALTH GRP7071 81.51% 17.33%$493,841,882 204,916117,839ALL SAVERS INS CO82406 83.29%

$0 00ALL SAVERS LIFE INS CO OF CA73130 N/A$2,714,463,416 469,999469,999AMERICHOICE OF NJ INC95497 88.05%$1,701,773,705 127,890127,890CARE IMPROVEMENT PLUS OF TX INS CO12558 84.73%$1,673,820,191 121,468121,468CARE IMPROVEMENT PLUS S CENTRAL INS12567 78.12%

$242,822,055 20,32620,326CARE IMPROVEMENT PLUS WI INS CO14041 77.31%$195,322 00DENTAL BENEFIT PROVIDERS OF IL INC52053 -15.65%

$1,258,099,133 868,782544,434GOLDEN RULE INS CO62286 65.37%)$(120,388 00HARKEN HLTH INS CO79480 0.00%

$2,947,411,976 581,076460,871HEALTH PLAN OF NV96342 80.11%$131,424,766 22,69713,658MAMSI LIFE & HLTH INS CO60321 74.10%$282,081,567 35,93618,399MD INDIVIDUAL PRACTICE ASSN INC96310 80.82%

$0 00MEDICA HLTH PLANS OF FL INC12756 N/A$661,663,913 45,96945,969MEDICA HLTHCARE PLANS INC12155 84.11%

$5,707,132 48,30128,099NATIONAL PACIFIC DENTAL INC95251 45.36%$714,400,824 158,831107,392NEIGHBORHOOD HLTH PARTNERSHIP INC95123 83.69%

$1,621,429 9,4384,727NEVADA PACIFIC DENTAL INC95758 71.41%$272,557,119 58,61436,972OPTIMUM CHOICE INC96940 72.86%

$1,196 22OPTUM INS OF OH INC69647 19.15%$0 00ORTHONET OF THE MID ATLANTIC INC11068 N/A

$8,184,283,869 1,029,253553,972OXFORD HLTH INS INC78026 79.77%$1,663,815,194 156,571152,446OXFORD HLTH PLANS CT INC96798 78.86%

$578,750,701 43,64541,858OXFORD HLTH PLANS NJ INC95506 78.98%$871,086,205 85,48885,488OXFORD HLTH PLANS NY INC95479 87.77%

$12,808,867 47,94120,940PACIFICARE LIFE & HLTH INS CO70785 71.75%$0 00PACIFICARE LIFE ASSUR CO84506 N/A

$2,849,700 00PACIFICARE OF AZ INC95617 -59.97%$3,247,825,316 295,130295,130PACIFICARE OF CO INC95434 81.32%

© 2019 National Association of Insurance Commissioners 267

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Market 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

$725,235 00PACIFICARE OF NV INC956851 -6.22%$843,665,247 00PEOPLES HLTH INC13607 85.00%$982,993,589 77,07277,072PHYSICIANS HLTH CHOICE OF TX LLC11494 89.56%

$2,260,961,630 187,204187,204PREFERRED CARE PARTNERS INC11176 82.40%$405,901,198 222,663215,975ROCKY MOUNTAIN HMO INC95482 76.09%

$16,202,712,102 1,407,3251,372,957SIERRA HLTH & LIFE INS CO INC71420 83.95%$541,547,182 740,191740,191SYMPHONIX HLTH INS INC84549 77.05%$410,857,909 1,922,409145,343UNIMERICA INS CO91529 77.08%

$1,432,953 20,63520,635UNIMERICA LIFE INS CO OF NY11596 -12.96%$1,144,513,763 225,336224,331UNITED HLTH CARE OF MS INC95716 86.33%$1,247,685,607 302,500163,580UNITED HLTHCARE INS CO OF IL60318 79.69%$3,389,764,189 1,400,0051,116,203UNITED HLTHCARE INS CO OF NY60093 78.49%

$981,772,075 244,992235,523UNITED HLTHCARE MID ATLANTIC INC95025 78.19%$93,978,100 11,42310,384UNITED HLTHCARE OF AL INC95784 85.57%$65,269,535 9,2517,493UNITED HLTHCARE OF AR INC95446 74.66%

$125,315,475 15,5689,986UNITED HLTHCARE OF AZ INC96016 79.02%$92,380,279 23,66615,811UNITED HLTHCARE OF CO INC95090 75.39%

$2,495,535,111 394,662352,106UNITED HLTHCARE OF FL INC95264 85.76%$364,023,337 59,89440,829UNITED HLTHCARE OF GA INC95850 89.15%$158,729,295 32,93319,955UNITED HLTHCARE OF KY LTD96644 80.82%

$2,254,746,386 449,308447,491UNITED HLTHCARE OF LA INC95833 84.48%$3,114,898,170 324,932324,256UNITED HLTHCARE OF MIDLANDS INC95591 79.93%

$57,758,101 10,6646,078UNITED HLTHCARE OF OH INC95186 72.25%$811,649,922 80,07278,404UNITED HLTHCARE OF UT INC95501 87.35%

$3,570,361,850 248,430248,430UNITEDHEALTHCARE BENEFITS OF TX INC95174 86.82%$876,648,223 249,031248,965UNITEDHEALTHCARE COMM PLAN INC95467 78.57%

$2,537,562,898 304,233304,233UNITEDHEALTHCARE COMM PLAN OF OH INC12323 80.43%$2,567,232,563 270,374270,374UNITEDHEALTHCARE COMM PLAN OF TX LLC11141 90.33%

$53,971,004,453 24,915,63618,138,972UNITEDHEALTHCARE INS CO79413 80.00%

© 2019 National Association of Insurance Commissioners 268

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Market 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

$1,395,545,228 237,974156,989UNITEDHEALTHCARE INS CO OF THE RIVER122311 81.52%$471,769,784 136,60685,081UNITEDHEALTHCARE LIFE INS CO97179 82.10%$178,813,318 33,64120,660UNITEDHEALTHCARE OF IL INC95776 75.66%

$1,846,001,265 318,253318,253UNITEDHEALTHCARE OF MIDWEST INC96385 82.51%$497,463,205 93,88562,457UNITEDHEALTHCARE OF NC INC95103 83.57%

$1,168,785,730 153,749153,205UNITEDHEALTHCARE OF NEW ENGLAND INC95149 83.50%$544,996,002 1,6911,691UNITEDHEALTHCARE OF NM INC13214 75.18%

$5,344,153,001 794,302792,237UNITEDHEALTHCARE OF NY INC95085 81.61%$1,410,481,097 133,461133,256UNITEDHEALTHCARE OF OR INC95893 80.60%$1,242,362,810 258,121258,121UNITEDHEALTHCARE OF PA INC95220 78.99%

$122,259,027 27,19518,059UNITEDHEALTHCARE OF TX INC95765 68.48%$923,158,327 251,985236,026UNITEDHEALTHCARE OF WA INC48038 81.43%

$6,435,288,841 678,093668,269UNITEDHEALTHCARE OF WI INC95710 77.78%$6,127,570,422 936,930923,040UNITEDHEALTHCARE PLAN OF THE RIVER V95378 88.61%

$490,124,517 51,73643,074UNITEDHEATHCARE OF OK INC96903 81.40%

$67,419,570,060 47,985,76127,261,654ANTHEM INC GRP6712 82.41% 7.42%$7,347,005 689689AMERICAS 1ST CHOICE OF SC INC15544 88.70%

$15,648,545 1,5451,545AMERIGROUP COMM CARE OF NM INC12354 57.42%$220,060,143 46,87846,878AMERIGROUP DC INC16168 56.32%

$1,014,430,388 152,030152,030AMERIGROUP INS CO14078 82.18%$1,445,400,390 201,969201,969AMERIGROUP IOWA INC15807 91.94%$1,078,908,575 117,835117,835AMERIGROUP KS INC14276 86.92%$1,138,831,618 268,431268,431AMERIGROUP LA INC14064 84.52%$1,113,417,423 275,245275,245AMERIGROUP MD INC95832 78.10%$1,381,153,142 178,434178,434AMERIGROUP NJ INC95373 82.63%

$652,443,936 187,438187,438AMERIGROUP NV INC12586 80.80%$0 00AMERIGROUP OH INC DBA COMM CARE10767 N/A

$1,739,016,055 381,004381,004AMERIGROUP TN INC12941 82.79%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Market 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

$4,245,257,431 668,002668,002AMERIGROUP TX INC953142 85.73%$491,088,481 152,976152,976AMERIGROUP WASHINGTON INC14073 81.86%

$1,233,583,844 384,902384,902AMGP GA MANAGED CARE CO INC12229 78.49%$1,822,288,208 7,746,1894,221,789ANTHEM BLUE CROSS LIFE & HLTH INS CO62825 82.44%$2,006,210,649 1,385,658709,448ANTHEM HLTH PLANS INC60217 81.97%$2,137,167,272 2,053,5301,120,363ANTHEM HLTH PLANS OF KY INC95120 79.53%

$991,797,223 538,568292,166ANTHEM HLTH PLANS OF ME INC52618 85.53%$738,589,275 301,694175,568ANTHEM HLTH PLANS OF NH53759 85.12%

$3,614,295,519 2,998,6621,604,325ANTHEM HLTH PLANS OF VA INC71835 83.36%$7,248,247,006 6,267,8953,386,429ANTHEM INS CO INC28207 83.46%

$746,423,164 131,310131,310ANTHEM KY MANAGED CARE PLAN INC15543 86.17%$3,686,957 93,31893,292ANTHEM LIFE & DISABILITY INS CO13573 57.96%

$98,663,632 1,212,95825,916ANTHEM LIFE INS CO61069 60.92%$3,747,901,061 1,510,091802,643BCBS HLTHCARE PLAN OF GA INC96962 79.76%

$348,782,386 3,294,4611,691,288BCBS OF GA INC54801 75.28%$842,947,549 1,234,666591,577BCBS OF WI54003 86.18%$166,434,862 13,65113,651CAREMORE HLTH PLAN OF AZ INC13562 76.15%

$81,238,847 320,871320,871CCHA LLC16345 93.34%$5,658,884,166 5,110,2812,557,517COMMUNITY INS CO10345 81.91%

$914,317,442 222,220167,787COMPCARE HLTH SERV INS CORP95693 79.52%$2,634,315,996 4,667,9972,328,770EMPIRE HEALTHCHOICE ASSUR INC55093 86.73%

$992,094,189 85,51380,537EMPIRE HEALTHCHOICE HMO INC95433 88.55%$1,105,810,172 78,80478,804FREEDOM HLTH INC10119 73.23%

$16,391,725 199,048198,565GREATER GA LIFE INS CO97217 49.31%$1,794,018,312 00HEALTH SUN HLTH PLANS10122 84.04%$3,496,135,978 711,132569,297HEALTHKEEPERS INC95169 82.81%

$0 245,076137,735HEALTHLINK HMO INC96475 N/A$2,303,274,079 1,187,487647,684HEALTHY ALLIANCE LIFE INS CO78972 77.57%

$820,634,899 142,62685,690HMO CO INC95473 72.36%

© 2019 National Association of Insurance Commissioners 270

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Market 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

$207,120,682 30,65221,819HMO MO INC953582 80.30%$712,804,777 213,121117,536MATTHEW THORTON HLTH PLAN INC95527 68.99%$731,542,592 59,58959,589OPTIMUM HLTHCARE INC12259 72.23%

$1,936,870,522 1,578,531855,933ROCKY MOUNTAIN HOSPITAL & MEDICAL11011 85.94%$3,171,741,065 582,082582,082SIMPLY HLTHCARE PLANS INC13726 83.91%

$449,020,262 137,088137,088UNICARE HLTH PLAN OF WV INC11810 81.58%$59,244,938 530,650398,235UNICARE LIFE & HLTH INS CO80314 84.20%$44,087,678 82,96438,972WISCONSIN COLLABORATIVE INS CO15929 94.08%

$56,018,733,290 17,299,63514,050,986HUMANA GRP1193 81.86% 6.17%$3,417,678,000 323,381323,381ARCADIAN HLTH PLAN INC12151 82.92%$1,771,316,132 117,933117,933CAREPLUS HLTH PLANS INC95092 80.62%$1,403,098,579 117,505117,505CARITEN HLTH PLAN INC95754 77.12%

$190,243,336 21,10621,106CHA HMO INC95158 85.82%$71,103,055 679,769392,696COMPBENEFITS CO52015 56.45%

$7,920,262 46,59829,901COMPBENEFITS DENTAL INC11228 56.19%$38,756,569 197,291113,486COMPBENEFITS INS CO60984 72.17%$25,849,925 193,078117,349DENTICARE INC95161 51.29%

)$(3,175 00EMPHESYS INS CO88595 0.00%$1,906,328,810 177,786177,786HUMANA BENEFIT PLAN OF IL INC60052 84.69%$1,323,820,537 249,146172,800HUMANA EMPLOYERS HLTH PLAN GA INC95519 83.40%$2,000,006,064 370,692282,809HUMANA HLTH BENEFIT PLAN OF LA INC95642 82.98%

$197,390,663 21,14721,147HUMANA HLTH CO OF NY INC13558 97.06%$41,002,925 41,05325,348HUMANA HLTH INS CO OF FL INC69671 84.41%

$4,866,072,804 896,623692,621HUMANA HLTH PLAN INC95885 85.84%)$(1,177,476 00HUMANA HLTH PLAN OF CA INC16280 0.00%

$225,262,228 44,01723,988HUMANA HLTH PLAN OF OH INC95348 81.63%$749,879,888 149,82492,911HUMANA HLTH PLAN OF TX INC95024 81.93%$324,575,785 43,15537,450HUMANA HLTH PLANS OF PR95721 90.30%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Market 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

$24,865,472,306 10,642,7949,075,907HUMANA INS CO732883 80.04%$46,198,070 84,41647,481HUMANA INS CO OF KY60219 105.34%

$271,041,883 173,182170,113HUMANA INS CO OF NY12634 75.36%$132,704,450 116,91455,804HUMANA INS CO OF PR INC84603 85.50%

$8,928,245,200 934,815898,649HUMANA MEDICAL PLAN INC95270 83.44%$88,678,193 10,27610,276HUMANA MEDICAL PLAN OF MI INC14224 83.21%

)$(191,275 00HUMANA MEDICAL PLAN OF PA INC14462 0.00%$29,849,860 3,8273,707HUMANA MEDICAL PLAN OF UT INC12908 74.39%

)$(177,215 00HUMANA REGIONAL HLTH PLAN INC12282 0.00%$2,572,097,797 246,027234,975HUMANA WI HLTH ORG INS CORP95342 85.14%

$205,537,335 1,115,356623,069HUMANADENTAL INS CO70580 64.15%$285,590,140 35,30435,304INDEPENDENT CARE HLTH PLAN11695 80.28%

$34,561,635 246,620135,484THE DENTAL CONCERN INC54739 65.41%

$54,281,253,849 43,530,04829,929,995CVS GRP14 82.89% 5.98%$1,159,554 00ACCENDO INS CO63444 -167.06%

$961,106,246 25,01525,015AETNA BETTER HLTH INC14229 76.12%$194,470,905 7,2477,247AETNA BETTER HLTH INC14043 81.84%$364,601,583 58,38658,386AETNA BETTER HLTH INC15611 83.63%$635,055,355 119,494119,494AETNA BETTER HLTH INC15616 84.53%

$1,013,885,353 199,493199,493AETNA BETTER HLTH INC13735 76.52%$0 00AETNA BETTER HLTH INC13174 N/A

$1,121,827,068 224,908224,908AETNA BETTER HLTH OF KY INS CO15761 82.84%$294,148,346 45,03245,032AETNA BETTER HLTH OF MI INC12193 79.46%

$953,452 00AETNA BETTER HLTH OF MO LLC95318 -307.16%$314,885,615 88,10988,109AETNA BETTER HLTH OF TX INC95040 80.70%

$30,438,801 217,91986,527AETNA DENTAL INC95910 65.42%$9,010,651 150,6121,625AETNA DENTAL INC NJ CORP11183 79.89%

$95,652,044 13,1986,894AETNA HEALTH INC LA95173 78.97%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Market 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

$370,461,090 229,461229,360AETNA HLTH & LIFE INS CO787004 83.49%$299,001,987 45,04326,152AETNA HLTH ASSUR PA INC15827 83.66%$157,209,832 15,47515,373AETNA HLTH INC CT CORP95935 85.69%

$1,679,020,950 190,999143,018AETNA HLTH INC FL CORP95088 85.41%$256,685,255 56,99135,125AETNA HLTH INC GA CORP95094 82.81%

$67,028,080 8,2977,419AETNA HLTH INC ME CORP95517 73.73%$0 00AETNA HLTH INC MI CORP95756 N/A

$709,508,526 62,38453,441AETNA HLTH INC NJ CORP95287 84.92%$117,875,619 10,92110,921AETNA HLTH INC NY CORP95234 90.25%

$3,408,039,408 487,608340,008AETNA HLTH INC PA CORP95109 80.07%$485,219,348 55,52248,419AETNA HLTH INC TX CORP95490 90.89%

$28,995,106 70,05347,475AETNA HLTH INS CO72052 77.24%$0 00AETNA HLTH INS CO OF NY84450 N/A

$30,657,528 4,0252,397AETNA HLTH OF IA INC95241 64.59%$224,386,691 34,84917,894AETNA HLTH OF UTAH INC95407 80.22%

$30,662,329,595 32,778,77819,914,227AETNA LIFE INS CO60054 83.30%$230,614 1,333755ALLINA HLTH & AETNA INS CO16194 30.03%

$455,068,518 201,405201,405AMERICAN CONTINENTAL INS CO12321 80.71%$77,478,218 134,01566,620BANNER HLTH & AETNA HLTH INS CO16058 77.30%$16,425,442 5,2193,045BANNER HLTH & AETNA HLTH PLAN INC16059 88.97%

$504,796,317 319,377312,567CONTINENTAL LIFE INS CO BRENTWOOD68500 77.70%$1,734,633,762 180,095172,783COVENTRY HLTH & LIFE INS CO81973 82.20%

$493,699,529 104,233103,608COVENTRY HLTH CARE OF FL INC95114 117.48%$238,091,182 25,16224,849COVENTRY HLTH CARE OF IL INC74160 79.40%

$6,043,495 1,186688COVENTRY HLTH CARE OF KS INC95489 74.85%$894,539,957 83,17683,176COVENTRY HLTH CARE OF MO INC96377 83.71%

$9,835,501 1,640941COVENTRY HLTH CARE OF NE INC95925 78.18%$733,144,004 93,02493,024COVENTRY HLTH CARE OF VA INC96555 90.46%$634,494,350 125,717125,717COVENTRY HLTH CARE OF W VA INC95408 84.98%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Market 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

)$(27,847 00COVENTRY HLTH PLAN OF FL INC952664 0.00%$552,597,441 604,104594,397FIRST HLTH LIFE & HLTH INS CO90328 63.39%

$9,951,940 34,93834,938GROUP DENTAL SERV OF MD INC95846 61.83%$795,832,894 71,34270,851HEALTHASSURANCE PA INC11102 77.08%

$71,366,987 92,18845,677INNOVATION HLTH INS CO15097 64.46%$96,247,408 14,8929,018INNOVATION HLTH PLAN INC15098 77.64%

$0 00MHNET LIFE & HLTH INS CO12509 N/A$15,569,844 50,82049,023PENNSYLVANIA LIFE INS CO67660 108.48%

$3,370,285,075 6,176,3566,176,356SILVERSCRIPT INS CO12575 83.23%$27,131,175 7,5955,282TEXAS HLTH + AETNA HLTH INS CO16121 73.60%$10,204,055 2,4121,316TEXAS HLTH + AETNA HLTH PLAN INC16132 123.35%

$37,782,076,337 19,489,72910,296,119HCSC GRP9175 80.59% 4.16%$173,233,422 796,37512,073DEARBORN NATL LIFE INS CO71129 79.35%

$229,926 322322DEARBORN NATL LIFE INS CO OF NY85090 307.68%$39,074,453 4,4034,292GHS HMO INC DBA BLUELINCS HMO11814 88.34%$52,860,945 5,8475,847GHS INS CO29718 97.02%

$1,526,512,811 539,856530,781HCSC INS SERV CO78611 86.74%$35,990,164,780 18,142,9269,742,804HEALTH CARE SERV CORP A MUT LEGAL RE70670 80.30%

$36,292,537,995 6,310,1545,970,507CENTENE CORP GRP12956 84.61% 4.00%$544,918,302 121,665121,665ABSOLUTE TOTAL CARE INC12959 87.64%$498,883,470 59,43844,872AMBETTER OF MAGNOLIA INC15762 65.84%

$1,144,207,981 170,041110,301AMBETTER OF PEACH STATE INC15729 70.42%$2,096,286,079 512,329512,329BANKERS RESERVE LIFE INS CO OF WI71013 88.78%

$13,807,815 595595BRIDGEWAY HLTH SOLUTIONS OF AZ INC16310 8.42%$2,563,871,246 352,183346,740BUCKEYE COMM HLTH PLAN INC11834 81.33%

$9,223,627 1,1451,145BUCKEYE HLTH PLAN COMM SOLUTIONS INC16112 104.82%$4,853,910,396 751,143751,143CELTIC INS CO80799 72.04%

$29,607,091 00CELTICARE HLTH PLAN OF MA INC13632 59.18%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Market 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

$1,730,233,058 293,957272,671COORDINATED CARE CORP958316 83.71%$596,970,097 190,974190,974COORDINATED CARE OF WA INC15352 93.45%$290,196,302 59,89459,894GRANITE STATE HLTH PLAN INC14226 92.03%

$32,048,066 36,28636,286HEALTH NET COMM SOLUTIONS OF AZ15895 77.20%$499,860,170 65,80557,171HEALTH NET HLTH PLAN OF OR INC95800 89.37%

$1,375,367,307 299,857122,846HEALTH NET LIFE INS CO66141 84.91%$935,839,900 122,00282,143HEALTH NET OF AZ INC95206 78.02%$919,576,499 235,138235,138HOME STATE HLTH PLAN INC14218 90.65%

$1,831,248,272 360,174360,174ILLINICARE HLTH PLAN INC14053 89.97%$0 00KENTUCKY SPIRIT HEALTH PLAN INC14100 N/A

$2,280,753,809 469,583469,583LOUISIANA HEALTHCARE CONNECTIONS INC13970 84.39%$1,281,098,885 238,221238,221MAGNOLIA HLTH PLAN INC13923 89.44%

$120,993,618 40,06340,063MANAGED HLTH SERV INS CORP96822 145.61%$63,740,249 2,4172,417MICHIGAN COMPLETE HLTH INC10769 86.21%

$449,984,918 82,82482,824NEBRASKA TOTAL CARE INC15902 93.55%$1,090,768,144 368,936368,936PEACH STATE HLTH PLAN INC12315 79.67%

$483,429,559 22,78022,780PENNSYLVANIA HLTH & WELLNESS INC16041 96.18%$375,070,792 76,05068,312SILVERSUMMIT HEALTHPLAN INC16143 83.36%

$1,356,684,722 152,108146,738SUNFLOWER STATE HLTH PLAN INC14345 82.68%$21,733,435 2,6682,668SUNSHINE HLTH COMM SOLUTIONS INC15927 117.31%

$3,946,721,011 592,665592,665SUNSHINE STATE HLTH PLAN INC13148 93.32%$10,338,438 1,2571,257SUPERIOR HEALTHPLAN COMM SOLUTIONS I15912 99.47%

$4,328,771,797 534,293534,293SUPERIOR HLTHPLAN INC95647 87.67%$516,392,940 93,66393,663TRILLIUM COMM HLTH PLAN INC12559 96.15%

$28,798,931,700 58,585,8973,634,117CIGNA HLTH GRP9017 79.66% 3.17%$15,905,598 2,89021ALLEGIANCE LIFE & HLTH INS CO INC12814 71.94%

$400,914,964 211,671211,671AMERICAN RETIREMENT LIFE INS CO88366 85.58%$258,532,902 18,18718,187BRAVO HLTH MID ATLANTIC INC10095 94.26%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Market 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

$622,954,243 42,05442,054BRAVO HLTH PA INC115247 82.55%$8,753,048 41,846842CIGNA DENTAL HLTH OF CO INC11175 55.39%

$133,340 607154CIGNA DENTAL HLTH OF DE INC95380 103.09%$37,244,168 00CIGNA DENTAL HLTH OF FL INC52021 45.45%

$1,675,579 8,016430CIGNA DENTAL HLTH OF KS INC52024 55.93%$11,336,277 54,543717CIGNA DENTAL HLTH OF KY INC52108 49.12%$10,767,956 50,303849CIGNA DENTAL HLTH OF MD INC48119 50.07%

$5,064,965 23,079608CIGNA DENTAL HLTH OF MO INC11160 70.94%$5,329,892 23,965862CIGNA DENTAL HLTH OF NC INC95179 75.17%

$13,600,301 73,9551,497CIGNA DENTAL HLTH OF NJ INC11167 80.00%$8,487,380 41,604763CIGNA DENTAL HLTH OF OH INC47805 52.49%$5,865,882 27,175870CIGNA DENTAL HLTH OF PA INC47041 46.59%

$33,822,845 203,1151,468CIGNA DENTAL HLTH OF TX INC95037 47.08%$5,534,530 26,954805CIGNA DENTAL HLTH OF VA INC52617 52.13%

$20,566,523 134,8911,036CIGNA DENTAL HLTH PLAN OF AZ INC47013 58.19%$26,473 51CIGNA HLTCARE OF IN INC95525 -127.78%

$17,265,581,715 38,067,8521,635,316CIGNA HLTH & LIFE INS CO67369 79.83%$0 00CIGNA HLTHCARE NH INC95493 N/A

$594,945,102 47,81045,613CIGNA HLTHCARE OF AZ INC95125 84.76%$2,671,401 258130CIGNA HLTHCARE OF CO INC95604 97.49%$9,482,458 32,71617,445CIGNA HLTHCARE OF CT INC95660 56.94%$1,114,703 254129CIGNA HLTHCARE OF FL INC95136 96.11%

$254,005,809 24,05923,798CIGNA HLTHCARE OF GA INC96229 82.61%$83,288,443 21,65816,039CIGNA HLTHCARE OF IL INC95602 55.39%

$172,280,491 21,35016,618CIGNA HLTHCARE OF NC INC95132 67.36%$4,853,655 12881CIGNA HLTHCARE OF NJ INC95500 187.29%

$56,109,440 5,3445,334CIGNA HLTHCARE OF SC INC95708 79.02%$19,913,088 2,2931,843CIGNA HLTHCARE OF ST LOUIS INC95635 73.38%$21,345,140 3,5832,046CIGNA HLTHCARE OF TN INC95606 79.37%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Market 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

$77,205,004 8,6404,144CIGNA HLTHCARE OF TX INC953837 83.25%$146,657,072 1,216,0283,385CIGNA LIFE INS CO OF NY64548 74.84%

$4,083,739 1,4821,296CIGNA NATL HLTH INS CO61727 65.80%)$(1,302 5120CIGNA WORLDWIDE INS CO90859 0.00%

$181,252,773 443,15629,705CONNECTICUT GEN LIFE INS CO62308 83.93%$4,144,217,540 298,647298,647HEALTHSPRING LIFE & HLTH INS CO INC12902 82.25%

$820,454,318 46,92346,923HEALTHSPRING OF FL INC11532 85.68%$2,212,184,381 16,140,44729,276LIFE INS CO OF N AMER65498 67.04%

$267,788,995 283,277238,138LOYAL AMER LIFE INS CO65722 71.09%$120,634,206 97,14997,149MEDCO CONTAINMENT INS CO OF NY34720 83.88%$805,662,140 814,833814,833MEDCO CONTAINMENT LIFE INS CO63762 89.73%

$6,958,686 1,5931,593PROVIDENT AMER LIFE & HLTH INS CO67903 65.83%$59,725,837 21,50621,781STERLING LIFE INS CO77399 72.07%

$20,488,849,296 5,117,1075,116,493WELLCARE GRP11998 84.49% 2.26%$616,443,616 62,38361,769AMERICAN PROGRESSIVE L&H INS OF NY80624 86.10%

$1,652,722,203 308,776308,776HARMONY HLTH PLAN INC11229 80.40%$2,396,452,685 622,036622,036MERIDIAN HLTH PLAN OF IL INC13189 97.20%$1,937,285,600 519,373519,373MERIDIAN HLTH PLAN OF MI INC52563 91.74%

$767,508,053 250,759250,759MISSOURI CARE INC12913 84.61%$22,817,855 1,9431,943SELECTCARE HLTH PLANS INC10768 77.92%

$870,889,278 64,55664,556SELECTCARE OF TX INC10096 82.14%$711,796,317 63,71963,719WELLCARE HLTH INS OF AZ INC83445 83.55%

$3,027,563,414 551,644551,644WELLCARE HLTH INS OF KY INC64467 83.76%$491,953 7979WELLCARE HLTH INS OF NY INC10884 101.52%

)$(383 00WELLCARE HLTH PLANS OF KY INC15510 0.00%$717,063,650 76,16776,167WELLCARE HLTH PLANS OF NJ INC13020 84.49%

$99,841,918 8,6838,683WELLCARE OF CT INC95310 87.64%$3,757,832,380 872,712872,712WELLCARE OF FL INC95081 80.40%

© 2019 National Association of Insurance Commissioners 277

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Market 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

$2,078,907,984 543,796543,796WELLCARE OF GA INC107608 81.75%$341,372,249 79,61179,611WELLCARE OF NE INC15951 83.90%

$0 00WELLCARE OF OH INC12749 N/A$304,233,253 78,79078,790WELLCARE OF SC INC11775 81.24%$423,222,152 49,26049,260WELLCARE OF TX INC12964 80.83%$762,405,119 962,820962,820WELLCARE PRESCRIPTION INS INC10155 70.91%

$19,259,360,919 3,586,2802,113,948KAISER FOUNDATION GRP6019 93.42% 2.12%$1,553,052,838 251,659175,978KAISER FOUND HLTH PLAN INC HI REGION11538 97.81%$4,126,040,410 749,435485,596KAISER FOUND HLTH PLAN MID ATLANTI95639 90.89%$3,760,841,592 589,343385,669KAISER FOUND HLTH PLAN OF CO95669 97.91%$2,012,625,703 336,954200,176KAISER FOUND HLTH PLAN OF GA INC96237 99.97%$3,777,445,468 541,350322,539KAISER FOUND HLTH PLAN OF THE NW95540 92.17%

$935,568,619 205,118134,708KAISER FOUND HLTH PLAN OF WA OPTIONS47055 84.91%$2,975,592,990 487,857322,812KAISER FOUNDATION HLTH PLAN OF WA95672 89.24%

$118,193,299 424,56486,470KAISER PERMANENTE INS CO60053 83.11%

$18,056,819,672 5,954,6603,647,185GUIDEWELL MUT HOLDING GRP53610 77.99% 1.99%$10,882,379,907 4,379,1022,613,573BCBS OF FL98167 79.04%

$108,200,203 9,7679,767BEHEALTHY FLORIDA INC15118 87.44%$863,171,411 134,38474,968CAPITAL HLTH PLAN INC95112 93.01%$113,751,214 377,126212,285FLORIDA COMBINED LIFE INS CO INC76031 63.33%$612,364,139 84,00561,651FLORIDA HLTH CARE PLAN INC13567 82.10%

$5,476,952,798 970,276674,941HEALTH OPTIONS INC95089 73.19%

$16,273,149,504 3,181,9343,074,841MOLINA HEALTHCARE INC GRP153111 79.46% 1.79%$1,846,188,827 312,840303,836MOLINA HLTHCARE OF FL INC13128 80.22%$1,009,243,238 223,677223,677MOLINA HLTHCARE OF IL INC14104 82.78%$1,790,315,944 383,277379,000MOLINA HLTHCARE OF MI52630 77.00%

$22,833,124 25,54625,546MOLINA HLTHCARE OF MS INC16301 84.48%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Market 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

$1,430,833,750 222,396216,180MOLINA HLTHCARE OF NM9573911 81.76%$2,597,211,952 301,811297,395MOLINA HLTHCARE OF OH INC12334 78.53%

$711,042,444 252,456252,456MOLINA HLTHCARE OF PR INC15600 83.98%$525,465,386 119,503119,503MOLINA HLTHCARE OF SC INC LLC15329 82.54%

$3,290,625,505 401,977325,953MOLINA HLTHCARE OF TX INC10757 75.83%$37,259,766 20,59420,594MOLINA HLTHCARE OF TX INS CO13778 73.79%

$384,289,243 77,39177,391MOLINA HLTHCARE OF UT INC DBA AMFAM95502 70.29%$16,891 00MOLINA HLTHCARE OF VA INC15133 23.84%

$2,470,423,081 781,467774,311MOLINA HLTHCARE OF WA INC96270 84.12%$157,400,353 58,99958,999MOLINA HLTHCARE OF WI INC12007 66.54%

$16,174,803,997 3,946,8462,998,338INDEPENDENCE HLTH GRP INC GRP93612 85.01% 1.78%$563,484,513 122,878122,878AMERIHEALTH CARITAS DC INC15088 87.29%

$2,831,245 00AMERIHEALTH CARITAS IA INC15800 -597.74%$1,100,184,370 209,387209,387AMERIHEALTH CARITAS LA INC14143 84.67%

$170,799,245 29,72618,677AMERIHEALTH HMO INC95044 71.82%$934,317,197 160,483100,470AMERIHEALTH INS CO OF NJ60061 76.52%

$75,596,056 2,8922,892AMERIHEALTH MI INC15104 97.39%$1,207,944,730 320,649320,649FLORIDA TRUE HLTH INC14378 93.16%

$352,324,045 135,08396,153INDEPENDENCE HOSPITAL IND PLAN INC54704 93.02%$2,173 00INTER CNTY HLTH PLAN INC53252 -5,323.79%

$57,399 00INTER CTY HOSPITALIZATION PLAN INC54763 -182.99%$3,277,780,231 606,499399,882KEYSTONE HLTH PLAN E INC95056 75.81%$2,013,710,373 1,241,605609,706QCC INS CO93688 74.01%$1,465,959,101 382,171382,171SELECT HLTH OF SC INC95458 87.75%$5,009,813,319 735,473735,473VISTA HLTH PLAN INC96660 94.19%

$14,856,640,514 17,255,4599,239,466HIGHMARK GRP81213 82.97% 1.64%$268,916,301 46,90226,424FIRST PRIORITY LIFE INS CO INC60147 78.90%

$2,358,454,149 335,514335,514GATEWAY HLTH PLAN INC96938 85.05%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Market 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

$109,340,271 9,9449,944GATEWAY HLTH PLAN OF OH INC1232513 88.90%$724,724,771 308,117174,796HIGHMARK BCBSD INC53287 79.15%

$48,402,201 12,2817,232HIGHMARK BENEFITS GRP INC15508 56.81%$4,176,922 10,0205,053HIGHMARK CAS INS CO35599 104.89%

$1,520,507,662 130,964122,435HIGHMARK CHOICE CO95048 81.44%$14,349,088 1,8691,029HIGHMARK COVERAGE ADVANTAGE INC15507 76.86%

$3,624,043,759 3,029,0321,538,643HIGHMARK INC54771 85.67%$711,041 33HIGHMARK SELECT RESOURCES INC10131 -57.01%

$1,874,766,736 148,461148,461HIGHMARK SENIOR HLTH CO15460 83.21%$60,419,752 4,0634,063HIGHMARK SENIOR SOLUTIONS CO15459 85.24%

$1,161,537,404 256,456134,789HIGHMARK WEST VIRGINIA INC.54828 82.92%$491,152,166 144,95793,812HM HLTH INS CO71768 71.55%$835,568,016 6,915,2823,447,954HM LIFE INS CO93440 68.29%

$60,611,078 1,410,875769,992HM LIFE INS CO OF NY60213 83.89%$118,795,579 32,88421,641HMO OF NE PA96601 73.20%$516,228,685 1,815,459756,592UNITED CONCORDIA COMPANIES INC89070 99.30%

$9,313,710 41,69722,976UNITED CONCORDIA DENTAL PLAN PA INC47089 79.15%$3,260,204 17,1809,627UNITED CONCORDIA DENTAL PLANS95253 58.67%

$505,370 4,4002,293UNITED CONCORDIA DENTAL PLANS TX INC95160 64.04%$6,534,584 21,7558,234UNITED CONCORDIA DENTAL PLNS OF MW96150 86.45%

$699,653,413 2,479,2331,527,725UNITED CONCORDIA INS CO85766 83.75%$6,943,864 15,3237,446UNITED CONCORDIA INS CO OF NY60222 78.84%

$337,723,788 62,78862,788WEST VIRGINIA FAMILY HLTH PLAN INC15020 88.27%

$14,216,937,710 5,462,6213,147,932BCBS OF MI GRP57214 81.38% 1.57%$9,137,475,022 4,280,9372,380,161BCBS OF MI MUT INS CO54291 83.19%$4,268,675,579 915,936510,961BLUE CARE NETWORK OF MI95610 78.18%

$755,846,476 209,883209,883BLUE CROSS COMPLETE OF MI LLC11557 78.83%$54,940,633 55,86546,927LIFESECURE INS CO77720 65.06%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Market 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

$0 00UNITED WI INS CO2915714 N/A

$13,162,125,808 2,561,8971,835,658BCBS OF NJ GRP120215 86.43% 1.45%$16,448,033 76,65140,703HORIZON HLTHCARE DENTAL INC11146 78.39%

$5,397,070,690 866,397865,065HORIZON HLTHCARE OF NJ INC95529 86.91%$6,390,338,637 1,253,675646,398HORIZON HLTHCARE SERV INC55069 84.75%$1,358,268,448 365,174283,492HORIZON INS CO14690 92.47%

$9,493,884,115 1,533,9351,469,717CARESOURCE GRP368316 87.25% 1.05%$8,366,054,909 1,321,7931,297,387CARESOURCE95201 87.28%

$793,837,699 160,706137,611CARESOURCE IN10142 87.44%$283,579,995 45,20430,160CARESOURCE KY CO15479 84.58%

$50,411,512 6,2324,559CARESOURCE W VA CO15728 95.99%

$9,142,149,606 3,161,9232,053,454BCBS OF NC GRP75817 74.30% 1.01%$9,142,149,606 3,161,9232,053,454BCBS OF NC INC54631 74.30%

$9,014,785,657 1,755,880986,717CAREFIRST INC GRP38018 83.08% 0.99%$3,613,776,990 630,238363,324CAREFIRST BLUECHOICE INC96202 76.67%$1,915,933,264 523,854291,704CAREFIRST OF MD INC47058 86.59%

$15,246,543 10,26610,265FIRST CARE INC60113 88.08%$3,466,140,107 564,860304,395GROUP HOSPITALIZATION & MED SRVCS53007 87.77%

$3,688,753 26,66217,029THE DENTAL NETWORK INC13130 113.90%

$8,434,312,135 1,860,4921,724,262UPMC HLTH SYSTEM GRP132419 90.19% 0.93%$956,037,573 739,812739,812COMMUNITY CARE BEHAVIORAL HLTH ORG47024 86.69%

$3,404,808,116 491,100491,100UPMC FOR YOU INC11995 93.40%$25,645,235 5,2482,882UPMC HLTH COVERAGE INC15451 83.86%$97,964,807 9,2219,221UPMC HLTH NTWRK INC11994 84.25%

$2,213,108,558 423,948293,764UPMC HLTH OPTIONS INC15345 89.56%$1,736,747,846 191,163187,483UPMC HLTH PLAN INC95216 87.03%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Market 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

$8,120,422,047 4,001,0472,214,562BCBS OF MA GRP363720 86.80% 0.89%$3,024,115,234 3,197,6561,792,264BCBS OF MA53228 90.28%$5,096,306,813 803,391422,298BCBS OF MA HMO BLUE INC12219 84.73%

$8,061,361,927 30,343,905444,934METROPOLITAN GRP24121 86.06% 0.89%$0 00AMERICAN LIFE INS CO60690 N/A

$63,157,915 35,317809DELAWARE AMER LIFE INS CO62634 66.18%$344,740 8,182214METLIFE HLTH PLANS INC14170 85.58%

$7,942,107,136 29,767,205290,089METROPOLITAN LIFE INS CO65978 86.36%$28,616,884 353,782136,070METROPOLITAN PROP & CAS INS CO26298 34.50%

$4,516,760 3,5563,379METROPOLITAN TOWER LIFE INS CO97136 306.53%$7,717,405 69,0833,466SAFEGUARD HLTH PLANS INC95051 49.18%

$14,786,735 98,0106,293SAFEGUARD HLTH PLANS INC52009 61.98%$114,352 8,7704,614SAFEHEALTH LIFE INS CO79014 20.31%

$8,055,143,210 3,787,0072,236,301BCBS OF TN GRP349822 77.69% 0.89%$5,411,313,699 2,892,2801,614,241BCBS OF TN INC54518 74.50%

$67,885,684 271,768139GOLDEN SECURITY INS CO65463 80.60%)$(18,240 00SECURITYCARE OF TN INC15005 0.00%

$2,575,962,067 622,959621,921VOLUNTEER STATE HLTH PLAN INC14046 84.31%

$7,668,166,438 2,665,8871,531,892EMBLEM HLTH GRP112723 86.56% 0.84%$566,641,737 67,83846,848CONNECTICARE BENEFITS INC14913 71.64%$680,252,515 76,80663,770CONNECTICARE INC95675 90.42%$594,884,412 91,71448,298CONNECTICARE INS CO INC11209 78.90%

$3,213,167 306176CONNECTICARE OF MA INC95299 53.44%$806,513,458 1,815,925912,799GROUP HLTH INC55239 81.68%

$5,008,236,815 606,944454,265HEALTH INS PLAN OF GREATER NY55247 89.44%$8,424,334 6,3545,736HIP INS CO OF NY60094 91.41%

$6,414,986,184 2,628,0441,729,148BCBS OF MN GRP46124 85.70% 0.71%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Market 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

$3,932,079,853 2,199,3071,315,862BCBSM INC5502624 84.50%$2,445,275,554 384,977375,570HMO DBA BLUE PLUS95649 87.77%

$37,630,777 43,76037,716MII LIFE INS INC61522 75.61%

$6,274,889,721 25,337,4404,227,950UNUM GRP56525 88.79% 0.69%$1,231,946,479 2,863,8562,340,067COLONIAL LIFE & ACCIDENT INS CO62049 49.27%

$381,894,101 1,896,85099,318FIRST UNUM LIFE INS CO64297 139.13%$222,334,773 205,758165,380PAUL REVERE LIFE INS CO67598 151.34%$719,685,124 750,004748,504PROVIDENT LIFE & ACCIDENT INS CO68195 98.24%

$92,266,768 47,71947,171PROVIDENT LIFE & CAS INS CO68209 96.40%$206,821,769 955,433527,245STARMOUNT LIFE INS CO68985 68.25%

$4,791,895 42,92380UNUM INS CO67601 50.00%$3,415,148,812 18,574,897300,185UNUM LIFE INS CO OF AMER62235 92.45%

$908,344,188,556 937,053,460411,007,46126 83.05%

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Market Share by Statement Type

Grand Total Business

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Market 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

$56,619,816,177 28,116,927UNITEDHEALTH GRP7071 19,073,24679.70% 29.21% 29.21%$32,545,252,961 34,133,125CVS GRP12 21,251,95682.84% 16.79% 46.01%$20,545,146,860 56,387,063CIGNA HLTH GRP9013 2,172,18178.42% 10.60% 56.61%

$8,009,781,811 29,806,078METROPOLITAN GRP2414 294,27786.32% 4.13% 60.74%$6,274,889,721 25,337,440UNUM GRP5655 4,227,95088.79% 3.24% 63.98%$5,422,202,023 22,535,224AFLAC GRP3706 12,512,89251.57% 2.80% 66.77%$4,284,188,430 25,041,182MUTUAL OF OMAHA GRP2617 8,533,90977.26% 2.21% 68.98%$3,946,186,163 21,476,550GUARDIAN LIFE GRP4298 13,306,25866.00% 2.04% 71.02%$2,797,995,150 1,244,655GENWORTH FIN GRP40119 1,138,429155.57% 1.44% 72.46%$2,758,993,874 18,210,641LINCOLN NATL GRP2010 8,943,21680.34% 1.42% 73.89%$2,289,742,277 895,401BCBS OF KS GRP43011 522,16485.74% 1.18% 75.07%$2,248,965,931 1,223,994JOHN HANCOCK GRP90412 1,223,710109.15% 1.16% 76.23%$2,202,509,023 8,120,511SUN LIFE ASSUR CO OF CN GRP54913 77,63071.15% 1.14% 77.37%$2,154,416,248 7,851,318TOKIO MARINE HOLDINGS INC GRP309814 41,94883.04% 1.11% 78.48%$2,043,190,045 1,307,865NORTHWESTERN MUT GRP86015 1,089,04462.39% 1.05% 79.53%$2,012,804,651 15,310,297HARTFORD FIRE & CAS GRP9116 121,28068.91% 1.04% 80.57%$1,903,865,943 1,848,042CNO FINANCIAL GRP23317 1,470,986107.01% 0.98% 81.55%$1,887,408,152 5,203,007PRINCIPAL FIN GRP33218 4,002,92061.90% 0.97% 82.53%$1,823,288,175 16,177,914AEGON US HOLDING GRP46819 12,286,76888.12% 0.94% 83.47%$1,720,682,853 9,657,254MEIJI YASUDA LIFE INS GRP134820 9,091,43470.89% 0.89% 84.36%$1,490,699,490 9,906,552PRUDENTIAL OF AMER GRP30421 84,152235.20% 0.77% 85.12%$1,375,367,307 299,857CENTENE CORP GRP129522 122,84684.91% 0.71% 85.83%$1,278,322,975 8,946,780VOYA FINANCIAL GRP483223 4,203,02470.67% 0.66% 86.49%$1,038,845,112 4,810,575TORCHMARK CORP GRP29024 12,260,93862.99% 0.54% 87.03%$1,002,472,110 7,446,173ALLSTATE INS GRP825 3,875,39352.87% 0.52% 87.55%

$963,541,513 12,605,000FIDELITY SECURITY GRP45126 6,090,05672.16% 0.50% 88.04%$952,402,840 2,200,139AMERITAS MUT HOLDING GRP94327 318,84062.56% 0.49% 88.54%$942,854,240 2,098,372AMERICAN FIDELITY CORP GRP33028 1,732,27956.15% 0.49% 89.02%$896,179,094 8,326,157HIGHMARK GRP81229 4,217,94669.34% 0.46% 89.48%$880,908,362 8,498,339SUMITOMO LIFE INS GRP485530 4,759,40773.02% 0.45% 89.94%$870,268,011 0CHUBB LTD GRP62631 066.24% 0.45% 90.39%$837,616,900 1,485,590BCBS OF SC GRP66132 982,09071.29% 0.43% 90.82%$747,383,949 332,690MASS MUT LIFE INS GRP43533 341,045137.82% 0.39% 91.21%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Market 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

$616,443,616 62,383WELLCARE GRP119934 61,76986.10% 0.32% 91.52%$609,725,142 2,648,201ASSURANT INC GRP1935 2,109,45894.29% 0.31% 91.84%$607,993,333 131,766WEA GRP493936 67,15391.65% 0.31% 92.15%$590,017,240 909,426USHEALTH GRP INC GRP83937 598,36047.12% 0.30% 92.46%$571,676,886 16CUNA MUT GRP30638 1649.07% 0.29% 92.75%$547,786,425 4,836,719WEST SOUTHERN GRP83639 234,12771.27% 0.28% 93.03%$522,765,375 1,588,976NEW YORK LIFE GRP82640 1,570,763103.20% 0.27% 93.30%$469,793,341 494,722PHYSICIANS MUT GRP36741 439,01574.51% 0.24% 93.55%$464,396,631 336,332AMERICAN ENTERPRISE MUT GRP352742 322,31973.88% 0.24% 93.79%$456,619,409 5,114,894MINNESOTA MUT GRP86943 2,948,94450.20% 0.24% 94.02%$389,846,233 3,913,223WR BERKLEY CORP GRP9844 6,71777.65% 0.20% 94.22%$387,835,978 6,561,531NATIONAL GUARDIAN LIFE INS GRP121145 2,526,84868.67% 0.20% 94.42%$380,572,413 265,486NEW ERA LIFE GRP52046 207,36373.70% 0.20% 94.62%$379,863,702 347,459NATIONAL GEN GRP492847 215,82957.24% 0.20% 94.81%$364,684,910 524,493MANHATTAN LIFE GRP111748 461,86283.61% 0.19% 95.00%$351,693,657 216,015AMERIPRISE FIN GRP449 216,015164.70% 0.18% 95.18%$350,970,864 156,760UNITED SERV AUTOMOBILE ASSN GRP20050 151,92976.87% 0.18% 95.37%$349,607,677 124,579NIPPON LIFE INS CO OF AMER8126451 70,82179.79% 0.18% 95.55%$346,277,658 263,318CONTINENTAL GEN INS CO7140452 220,713223.75% 0.18% 95.72%$302,398,434 313,854NATIONWIDE CORP GRP14053 44,39464.14% 0.16% 95.88%$295,916,949 804,796TRUSTMARK MUT HOLDING CO GRP27654 575,18648.76% 0.15% 96.03%$288,936,989 123,737MEDICAL CARD SYSTEM INC GRP130155 58,67484.64% 0.15% 96.18%$258,890,380 539,883GUARANTEE TRUST GRP68756 478,75753.94% 0.13% 96.32%$238,247,101 414,420BLUE SHIELD OF CA GRP279857 273,43981.49% 0.12% 96.44%$234,427,132 82,810BRIGHTHOUSE HOLDINGS GRP493258 82,735275.83% 0.12% 96.56%$212,620,229 911,914HEALTHMARKETS GRP26459 618,77629.72% 0.11% 96.67%$210,173,091 180,031PAN AMER LIFE GRP52560 106,68967.95% 0.11% 96.78%$209,552,766 581,147AMERICAN NATL FIN GRP40861 444,68360.23% 0.11% 96.89%$187,905,247 1,561,634GENEVE HOLDINGS INC GRP45062 1,531,36746.37% 0.10% 96.98%$181,973,001 118,423ALLIANZ INS GRP76163 97,314291.01% 0.09% 97.08%$178,902,520 201,330HUMANA GRP11964 103,28590.62% 0.09% 97.17%$177,987,252 2,035,974ANTHEM INC GRP67165 716,00867.54% 0.09% 97.26%$174,546,545 505,094KEMPER CORP GRP21566 355,59956.78% 0.09% 97.35%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Market 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

$173,463,348 796,697HCSC GRP91767 12,39579.65% 0.09% 97.44%$173,063,406 1,711,932SHELTERPOINT GRP INC480368 1,637,35554.28% 0.09% 97.53%$171,591,100 110,031ATLANTIC AMER GRP58769 110,03178.52% 0.09% 97.62%$156,712,585 782,629AMERICAN INTL GRP1270 452,26664.55% 0.08% 97.70%$156,405,505 841,681BCS INS GRP2371 396,86773.65% 0.08% 97.78%$155,650,987 1,255,571ONEAMERICA FIN PARTNERS GRP61972 1,255,24096.58% 0.08% 97.86%$149,947,243 229,160PREMERA BLUE CROSS GRP96273 11,84768.44% 0.08% 97.94%$140,875,503 2,978,666UNION LABOR GRP78174 2,542,16161.03% 0.07% 98.01%$135,005,945 102,435LIFETIME HLTHCARE GRP118675 96,675324.92% 0.07% 98.08%$134,497,050 1,588,449APOLLO GLOBAL MGMT GRP473476 692,32542.56% 0.07% 98.15%$128,744,500 468,945NATIONAL TEACHERS ASSOC LIFE GROUP479677 284,34146.76% 0.07% 98.22%$122,590,929 469,065ARKANSAS BCBS GRP87678 4,86460.85% 0.06% 98.28%$116,861,052 238,508ASSURITY GRP486279 172,88858.67% 0.06% 98.34%$114,885,338 1,562,020TIPTREE FIN GRP471880 1,562,02015.41% 0.06% 98.40%$113,751,214 377,126GUIDEWELL MUT HOLDING GRP53681 212,28563.33% 0.06% 98.46%$108,373,560 47,584ADVANTAGE CAPITAL GRP482482 47,340124.15% 0.06% 98.51%$108,145,220 63,172COUNTRY INS & FIN SERV GRP5083 61,04397.40% 0.06% 98.57%

$88,596,570 34,176GGC GRP473684 32,10492.55% 0.05% 98.61%$88,385,461 51,635SENIOR HLTH INS CO OF PA7632585 51,635682.54% 0.05% 98.66%$84,501,969 43,646INDIVIDUAL ASSUR CO LIFE HLTH & ACC8177986 42,17688.95% 0.04% 98.70%$83,420,358 625,007CAMBIA HEALTH SOLUTIONS INC120787 554,83465.81% 0.04% 98.75%$81,634,348 66,464HOMESHIELD CAPITAL GRP285888 77338.27% 0.04% 98.79%$80,097,671 217,807AXA INS GRP96889 198,843158.42% 0.04% 98.83%$77,871,343 23,875AMERCO CORP GRP57490 23,87580.62% 0.04% 98.87%$77,402,397 0TRIPLE S GRP480291 066.47% 0.04% 98.91%$76,611,459 201,055MAPFRE INS GRP41192 52,79482.37% 0.04% 98.95%$74,898,795 644,705BOSTON MUT GRP58193 527,42252.03% 0.04% 98.99%$72,914,600 415,185AAA LIFE GRP485394 415,18548.23% 0.04% 99.03%$72,220,634 0CITIZENS SECURITY LIFE INS CO6192195 056.88% 0.04% 99.06%$72,207,910 35,147GLOBAL ATLANTIC GRP389196 31,32780.57% 0.04% 99.10%$69,654,214 381,154HOPMEADOW HOLDINGS GRP492697 93372.86% 0.04% 99.14%$59,781,746 43,069GPM LIFE GRP471298 43,06980.76% 0.03% 99.17%$59,151,020 200,749KANSAS CITY LIFE INS GRP58899 158,38263.84% 0.03% 99.20%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Market 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

$57,711,497 200,775ZURICH INS GRP212100 207,79980.60% 0.03% 99.23%$57,527,281 118,608ILLINOIS MUT LIFE INS CO64580101 109,47759.51% 0.03% 99.26%$57,488,563 49,899RESOLUTION LIFE GRP4815102 31,601336.36% 0.03% 99.29%$57,307,295 27,389ENTERPRISE INVESTMENTS GRP4922103 27,38972.17% 0.03% 99.32%$54,940,633 55,865BCBS OF MI GRP572104 46,92765.06% 0.03% 99.35%$50,241,909 70,338JACKSON NATL GRP918105 52,688249.96% 0.03% 99.37%$47,907,822 228,547UNIFIED LIFE INS CO11121106 151,91965.90% 0.02% 99.40%$47,444,835 84,012PROTECTIVE LIFE INS GRP458107 84,01260.68% 0.02% 99.42%$44,805,536 1GREAT WEST GRP769108 1116.21% 0.02% 99.44%$42,811,031 3,898CENTRAL STATES GRP690109 3,84237.65% 0.02% 99.47%$42,210,319 60,604STATE MUT INS CO69132110 44,88443.12% 0.02% 99.49%$42,186,040 56,434PEKIN INS GRP153111 56,34764.94% 0.02% 99.51%$42,078,504 115,981BEST LIFE & HLTH INS CO90638112 76,92765.93% 0.02% 99.53%$40,297,001 20,088OHIO NATL LIFE GRP704113 20,08867.84% 0.02% 99.55%$37,692,725 99,529AMALGAMATED LIFE INS CO60216114 6,35587.72% 0.02% 99.57%$37,259,766 20,594MOLINA HEALTHCARE INC GRP1531115 20,59473.79% 0.02% 99.59%$36,626,015 21,599BERKSHIRE HATHAWAY GRP31116 21,73475.55% 0.02% 99.61%$34,363,584 185,829MULTINATIONAL GRP4804117 126,85451.54% 0.02% 99.63%$30,835,726 15,548UNITED SECURITY ASSUR CO OF PA42129118 15,54886.67% 0.02% 99.64%$30,129,227 53,195SOUTHERN FARM BUREAU LIFE INS CO68896119 42,70188.90% 0.02% 99.66%$30,084,598 78,581LIFE INS CO OF AL65412120 49,45554.87% 0.02% 99.67%$29,809,788 23,031FEDERATED MUT GRP7121 23,03115.69% 0.02% 99.69%$27,868,304 0TRANS OCEANIC LIFE INS CO69523122 318,79148.52% 0.01% 99.70%$26,785,976 15,409HEARTLAND NATL LIFE INS CO66214123 15,40969.40% 0.01% 99.72%$26,380,713 23,711RESERVOIR CAPITAL GRP4764124 23,62170.00% 0.01% 99.73%$24,736,316 6,872NETCARE LIFE & HLTH INS CO60246125 21697.14% 0.01% 99.74%

$193,813,083,256 455,566,042GRAND TOTAL 193,807,24282.30% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Market 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

$100,813,767,864 14,573,377UNITEDHEALTH GRP7071 13,087,83282.53% 14.25% 14.25%$67,241,582,808 45,949,787ANTHEM INC GRP6712 26,545,64682.45% 9.51% 23.76%$55,839,830,770 17,098,305HUMANA GRP1193 13,947,70181.83% 7.89% 31.65%$37,608,612,989 18,693,032HCSC GRP9174 10,283,72480.59% 5.32% 36.97%$34,917,170,688 6,010,297CENTENE CORP GRP12955 5,847,66184.60% 4.94% 41.90%$21,736,000,888 9,396,923CVS GRP16 8,678,03982.96% 3.07% 44.97%$19,872,405,680 5,054,724WELLCARE GRP11997 5,054,72484.44% 2.81% 47.78%$19,259,360,919 3,586,280KAISER FOUNDATION GRP6018 2,113,94893.42% 2.72% 50.51%$17,943,068,458 5,577,534GUIDEWELL MUT HOLDING GRP5369 3,434,90078.08% 2.54% 53.04%$16,235,889,738 3,161,340MOLINA HEALTHCARE INC GRP153110 3,054,24779.47% 2.30% 55.34%$16,174,803,997 3,946,846INDEPENDENCE HLTH GRP INC GRP93611 2,998,33885.01% 2.29% 57.62%$14,161,997,077 5,406,756BCBS OF MI GRP57212 3,101,00581.45% 2.00% 59.63%$13,956,284,498 8,919,282HIGHMARK GRP81213 5,016,46783.83% 1.97% 61.60%$13,162,125,808 2,561,897BCBS OF NJ GRP120214 1,835,65886.43% 1.86% 63.46%

$9,493,884,115 1,533,935CARESOURCE GRP368315 1,469,71787.25% 1.34% 64.80%$9,142,149,606 3,161,923BCBS OF NC GRP75816 2,053,45474.30% 1.29% 66.09%$9,014,785,657 1,755,880CAREFIRST INC GRP38017 986,71783.08% 1.27% 67.37%$8,434,312,135 1,860,492UPMC HLTH SYSTEM GRP132418 1,724,26290.19% 1.19% 68.56%$8,253,784,840 2,198,834CIGNA HLTH GRP90119 1,461,93682.75% 1.17% 69.73%$8,120,422,047 4,001,047BCBS OF MA GRP363720 2,214,56286.80% 1.15% 70.88%$8,055,143,210 3,787,007BCBS OF TN GRP349821 2,236,30177.69% 1.14% 72.01%$7,668,166,438 2,665,887EMBLEM HLTH GRP112722 1,531,89286.56% 1.08% 73.10%$6,414,986,184 2,628,044BCBS OF MN GRP46123 1,729,14885.70% 0.91% 74.00%$6,037,992,296 3,336,957BCBS OF AL GRP57024 1,899,15184.69% 0.85% 74.86%$5,746,641,540 1,752,728LIFETIME HLTHCARE GRP118625 1,087,33786.45% 0.81% 75.67%$5,366,097,618 2,377,006CAMBIA HEALTH SOLUTIONS INC120726 1,299,21179.71% 0.76% 76.43%$5,124,174,074 844,115TUFTS GRP474227 720,29286.06% 0.72% 77.15%$4,562,918,165 568,911MEDICA GRP155228 416,99080.31% 0.65% 77.80%$4,558,789,664 2,599,579BCBS OF SC GRP66129 1,564,96277.42% 0.64% 78.44%$3,827,288,614 2,253,025WELLMARK INC GRP77030 1,242,87783.90% 0.54% 78.98%$3,820,101,450 697,359SPECTRUM HLTH GRP338331 478,99683.90% 0.54% 79.52%$3,733,381,588 2,254,058PREMERA BLUE CROSS GRP96232 1,181,40083.07% 0.53% 80.05%$3,733,104,207 1,108,933HEALTHPARTNERS GRP125833 661,00387.43% 0.53% 80.58%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Market 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

$3,619,194,511 724,008HAWAII MEDICAL SERV ASSN4994834 498,52685.86% 0.51% 81.09%$3,564,043,519 902,310LOUISIANA HLTH SERV GRP43835 547,03379.21% 0.50% 81.59%$3,425,863,783 402,238UCARE GRP438036 392,62591.73% 0.48% 82.08%$3,406,277,281 504,149MVP GRP119837 405,04187.18% 0.48% 82.56%$3,179,080,004 570,276GEISINGER INS GRP114338 446,85684.14% 0.45% 83.01%$3,141,706,845 803,156HARVARD PILGRIM HLTH CARE GRP59539 461,05081.74% 0.44% 83.45%$3,125,593,050 1,152,327MEDICAL MUT OF OH GRP73040 652,17881.81% 0.44% 83.90%$3,120,707,721 894,647IHC INC GRP88041 449,07980.48% 0.44% 84.34%$2,756,810,785 1,842,536ARKANSAS BCBS GRP87642 1,185,99280.63% 0.39% 84.73%$2,698,216,580 108,605TRIPLE S GRP480243 108,60582.71% 0.38% 85.11%$2,655,600,833 166,334HEALTHFIRST INC GRP477844 165,50684.95% 0.38% 85.48%$2,647,129,350 576,416HEALTH NOW NY INC5520445 335,18884.24% 0.37% 85.86%$2,430,178,994 353,906SENTARA HLTH MGMT GRP118346 301,35084.20% 0.34% 86.20%$2,368,571,980 806,140MAGELLAN HLTH INC GRP126047 636,15166.52% 0.33% 86.54%$2,353,867,878 493,311BLUE SHIELD OF CA GRP279848 493,31188.17% 0.33% 86.87%$2,334,368,725 1,319,852CAPITAL BLUE CROSS GRP123049 677,44681.09% 0.33% 87.20%$2,293,083,387 394,681BOSTON MEDICAL CENTER HLTH PLAN INC1320350 378,19293.72% 0.32% 87.52%$2,292,846,008 424,546PRESBYTERIAN HLTHCARE SERV GRP48151 390,33884.81% 0.32% 87.85%$2,213,191,495 1,529,208BCBS OF AZ INC5358952 803,16977.75% 0.31% 88.16%$2,212,865,287 648,331PROVIDENCE HLTH GRP478853 381,15388.39% 0.31% 88.47%$2,119,788,994 532,059MCLAREN HLTH GRP470054 517,66692.66% 0.30% 88.77%$2,075,441,846 301,133CDPHP INC GRP470855 227,83385.53% 0.29% 89.07%$2,037,744,335 263,065INDEPENDENT HLTH ASSN GRP489456 200,78687.71% 0.29% 89.35%$1,960,788,257 274,780HEALTH PARTNERS PLANS INC9506657 274,78079.23% 0.28% 89.63%$1,945,920,405 319,575UNIVERSITY HLTH CARE INC5262158 319,57594.88% 0.28% 89.91%$1,904,128,951 835,951BCBS OF KC GRP53759 438,70481.70% 0.27% 90.18%$1,902,186,832 206,565MEDICAL CARD SYSTEM INC GRP130160 206,56582.47% 0.27% 90.44%$1,900,960,754 55,099,821VISION SERV PLAN GRP118961 329,29077.94% 0.27% 90.71%$1,881,453,374 313,169HENRY FORD HLTH SYSTEM GRP131162 184,63186.78% 0.27% 90.98%$1,714,689,909 334,754VANGUARD HLTH VENTURES GRP121263 293,55688.19% 0.24% 91.22%$1,711,082,896 376,885BCBS OF RI5347364 245,65181.66% 0.24% 91.46%$1,695,759,345 322,428UNIVERSITY HLTH CARE & GUNDERSEN LUT487065 187,24089.68% 0.24% 91.70%$1,678,937,239 434,141TEXAS CHILDRENS HLTH PLAN INC9532966 434,14192.12% 0.24% 91.94%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Market 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

$1,671,353,372 389,187HARRIS HLTH GRP489267 344,59685.61% 0.24% 92.18%$1,663,319,590 32,324,392DENTEGRA GRP247968 2,146,95373.04% 0.24% 92.41%$1,607,195,434 595,243BCBS OF NE GRP485869 338,65384.59% 0.23% 92.64%$1,597,548,798 545,686BLUE CROSS OF ID GRP129070 288,42183.58% 0.23% 92.86%$1,583,583,119 11,849,227RENAISSANCE HLTH SERV CORP GRP47771 5,973,17381.05% 0.22% 93.09%$1,538,603,640 216,214FALLON GRP474172 169,62290.89% 0.22% 93.31%$1,495,235,433 230,643CARLE HOLDING CO GRP119273 137,55484.57% 0.21% 93.52%$1,377,464,664 193,920NEIGHBORHOOD HLTH PLAN OF RI INC9540274 193,92090.34% 0.19% 93.71%$1,374,712,201 627,131MISSISSIPPI INS GRP112675 409,76987.19% 0.19% 93.91%$1,371,383,854 263,937DEAN HLTH GRP129476 165,66486.34% 0.19% 94.10%$1,340,072,854 205,361SECURITY HLTH PLAN OF WI INC9688177 160,27689.81% 0.19% 94.29%$1,188,417,686 476,998NORIDIAN MUT INS CO5589178 258,62386.89% 0.17% 94.46%$1,116,949,891 258,947PACIFICSOURCE HLTH PLAN GRP470479 164,99881.97% 0.16% 94.62%$1,076,135,137 25,667ELDERPLAN INC9566280 25,66785.01% 0.15% 94.77%$1,045,908,240 120,597PARTNERS HEALTHCARE SYSTEM GRP493481 94,86987.67% 0.15% 94.92%

$995,296,472 157,544NETWORK HLTH GRP267882 129,21588.66% 0.14% 95.06%$939,685,954 3,830,420MCNA GRP473083 3,830,42083.62% 0.13% 95.19%$928,307,304 253,623AVMED INC9526384 151,15385.78% 0.13% 95.32%$918,030,697 189,305SANFORD HLTH GRP124685 102,92692.38% 0.13% 95.45%$901,277,795 187,634MULBERRY HLTH GRP481886 119,61582.05% 0.13% 95.58%$865,757,978 265,307COMMUNITY HLTH PLAN OF WA4704987 265,30786.94% 0.12% 95.70%$813,289,764 225,504SCOTT & WHITE GRP60088 155,31583.52% 0.11% 95.81%$774,012,829 159,925BAYSTATE HLTH GRP475689 107,72686.57% 0.11% 95.92%$743,609,902 64,632ESSENCE HLTHCARE INC1169990 64,63276.62% 0.11% 96.03%$739,162,570 73,257VIVA HLTH INC9532291 61,00384.87% 0.10% 96.13%$688,764,289 136,400HEALTH PLAN GRP129792 119,91794.67% 0.10% 96.23%$670,134,698 77,943HEALTH FIRST GRP474093 64,26680.54% 0.09% 96.33%$649,685,284 95,690COMMUNITYCARE GRP348794 67,46487.47% 0.09% 96.42%$616,938,137 96,933BCBS OF WY5376795 62,11874.93% 0.09% 96.51%$601,105,322 463,359OREGON DENTAL GRP131396 362,861128.57% 0.08% 96.59%$591,864,656 49,351CHE TRINITY INC GRP283897 49,35180.16% 0.08% 96.67%$585,301,138 170,832FIRSTCARE GRP354998 124,20795.87% 0.08% 96.76%$576,208,810 183,498PARKLAND COMM HLTH PLAN INC9541499 384.96% 0.08% 96.84%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Market 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

$571,381,862 194,594WISCONSIN PHYSICIANS SERV INS GRP68100 147,29582.41% 0.08% 96.92%$564,943,967 51,885COMMON GROUND HLTHCARE COOP15061101 38,23867.55% 0.08% 97.00%$557,435,289 134,576CATHOLIC HLTH INITIATIVES GRP4807102 112,62178.17% 0.08% 97.08%$556,858,136 209,397BCBS OF VT GRP4745103 119,64791.65% 0.08% 97.16%$556,373,651 96,475MEDSTAR FAMILY CHOICE14227104 96,47589.00% 0.08% 97.23%$552,038,477 0MEDISUN INC95982105 086.15% 0.08% 97.31%$536,063,799 139,217COMMUNITY FIRST GRP2738106 137,09393.10% 0.08% 97.39%$532,781,404 102,963AULTMAN HLTH FOUNDATION GRP4805107 62,87783.99% 0.08% 97.46%$497,653,192 3,226,120DELTA DENTAL OF WA47341108 79,27983.72% 0.07% 97.53%$484,014,966 48,825ALLIANT HLTH PLANS INC11256109 31,64571.09% 0.07% 97.60%$442,782,142 66,311RENOWN HLTH GRP4791110 34,43386.90% 0.06% 97.67%$440,686,745 146,475CHILDRENS COMM HLTH PLAN INC13739111 139,70280.22% 0.06% 97.73%$430,845,533 54,196SUMMA HLTH GRP3259112 41,16087.96% 0.06% 97.79%$405,350,612 42,731VANTAGE HLTH PLAN INC95584113 32,49680.52% 0.06% 97.85%$402,570,046 0ENVISION INS CO12747114 608,99192.25% 0.06% 97.90%$396,643,700 77,381GROUP HLTH COOP OF S CENTRAL WI95311115 44,06189.90% 0.06% 97.96%$381,321,778 50,052MAINE COMM HLTH OPTIONS15077116 33,09574.68% 0.05% 98.01%$377,620,631 33,906KS PLAN ADMINISTRATORS LLC12827117 33,90691.51% 0.05% 98.07%$374,852,094 93,456TOTAL HLTH GRP1238118 80,02182.48% 0.05% 98.12%$374,237,231 0ALOHA CARE95853119 087.94% 0.05% 98.17%$362,958,252 532,304COLORADO ACCESS GRP4781120 532,30474.58% 0.05% 98.22%$357,448,414 32,425CLOVER HLTH GRP4918121 32,42594.66% 0.05% 98.27%$330,892,190 61,932UNIVERSITY HLTH ALLIANCE47953122 40,90579.06% 0.05% 98.32%$329,989,597 43,510GLOBALHEALTH INC13667123 31,53984.31% 0.05% 98.37%$308,772,890 44,928MONTANA HLTH COOPERATIVE14933124 29,36068.57% 0.04% 98.41%$301,267,070 111,748TENNESSEE RURAL HLTH GRP4677125 89,29680.54% 0.04% 98.45%

$707,414,201,748 349,460,264GRAND TOTAL 172,865,13183.39% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Market 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

$1,022,031,571 1,088,922STATE FARM GRP1761 945,61093.07% 15.80% 15.80%$654,243,427 0CHUBB LTD GRP6262 042.18% 10.12% 25.92%$528,418,625 624AMERICAN INTL GRP123 28,11548.93% 8.17% 34.09%$480,042,642 319,672CNA INS GRP2184 319,672116.06% 7.42% 41.52%$366,512,287 6SWISS RE GRP1815 676.73% 5.67% 47.18%$362,955,403 239,554BERKSHIRE HATHAWAY GRP316 57,66683.81% 5.61% 52.80%$343,932,659 13,015,069FAIRFAX FIN GRP1587 53,04769.91% 5.32% 58.11%$288,958,888 0QBE INS GRP7968 071.81% 4.47% 62.58%$238,304,676 6,381,982ZURICH INS GRP2129 5,235,82545.88% 3.69% 66.27%$192,062,928 42,041,636TOKIO MARINE HOLDINGS INC GRP309810 23,84980.85% 2.97% 69.24%$185,881,911 2,864,685MUNICH RE GRP36111 3,35592.04% 2.87% 72.11%$182,055,879 483,015CHINA MINSHENG GRP486312 402,90865.86% 2.82% 74.93%$172,521,809 1,091,997BCS INS GRP2313 248,71866.61% 2.67% 77.59%$133,800,925 254,810LIBERTY MUT GRP11114 2,43280.46% 2.07% 79.66%$130,304,962 0INTACT FINANCIAL GRP490415 035.34% 2.01% 81.68%$127,088,028 3,529,279AXIS CAPITAL GRP341616 13,53837.93% 1.97% 83.64%

$86,881,429 78,666GENEVE HOLDINGS INC GRP45017 56,19020.23% 1.34% 84.99%$82,741,927 1,578,354AXA INS GRP96818 69663.95% 1.28% 86.27%$82,494,033 599,002HOUSTON INTL INS GRP438119 28474.20% 1.28% 87.54%$65,417,898 80,763NATIONAL GEN GRP492820 54,68153.10% 1.01% 88.55%$64,320,718 1,465,261ARCH INS GRP127921 528,67961.71% 0.99% 89.55%$60,450,434 0EVEREST REINS HOLDINGS GRP112022 082.58% 0.93% 90.48%$60,367,812 426,744AMTRUST FINANCIAL SERV GRP253823 37,29855.73% 0.93% 91.42%$59,757,941 48,652,159AMEX ASSUR CO2792824 32,857,4545.95% 0.92% 92.34%$54,549,723 336,347PARTNERRE GRP348325 7984.02% 0.84% 93.18%$53,391,336 14,163CHEROKEE INS CO1064226 14265.81% 0.83% 94.01%$51,866,534 38,156AMERICAN FINANCIAL GRP8427 1,56434.45% 0.80% 94.81%$35,917,199 49,925ALLEGHANY GRP50128 35978.32% 0.56% 95.37%$35,890,763 15,196ISLAND HOME INS CO3165829 1,25071.35% 0.55% 95.92%$28,908,753 9,494AMERICAN FAMILY INS GRP47330 9,32792.47% 0.45% 96.37%$28,616,884 353,782METROPOLITAN GRP24131 136,07034.50% 0.44% 96.81%$25,279,439 13,184NATIONWIDE CORP GRP14032 13,13943.50% 0.39% 97.20%$23,454,385 0PROTECTIVE INS CORP GRP86733 051.48% 0.36% 97.57%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Market 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

$23,452,762 1,461,398STARR GRP467034 4,93685.16% 0.36% 97.93%$22,449,697 43,788BENCHMARK HOLDING GRP488635 082.17% 0.35% 98.28%$18,419,282 641,229ALLIANZ INS GRP76136 382,49475.43% 0.28% 98.56%$18,101,640 2,330,090MARKEL CORP GRP78537 18,18721.55% 0.28% 98.84%$16,289,100 6,487AMERICAN FIDELITY & LIBERTY INC GRP128938 6,48791.56% 0.25% 99.09%$12,064,494 710,859AEGIS GRP31339 4,54941.94% 0.19% 99.28%$10,044,854 29,817BEAZLEY INS CO INC3754040 18,64154.87% 0.16% 99.43%

$4,428,197 93,122ASSURANT INC GRP1941 93,122(6.14)% 0.07% 99.50%$4,176,922 10,020HIGHMARK GRP81242 5,053104.89% 0.06% 99.57%$4,141,131 29,083SENTRY INS GRP16943 29,083176.24% 0.06% 99.63%$3,621,816 0TENNESSEE FARMERS GRP69444 1,582,63411.87% 0.06% 99.69%$3,532,173 17,159TIPTREE FIN GRP471845 17,15935.87% 0.05% 99.74%$2,768,508 2,778CENTENNIAL CAS CO3456846 2,7780.00% 0.04% 99.78%$1,671,761 0FEDERATED MUT GRP747 0(393.92)% 0.03% 99.81%$1,578,818 28,951ASSURANCEAMERICA CORP GRP490948 28,9511.81% 0.02% 99.84%$1,276,351 15,425LEON HIX GRP474849 11,5644.17% 0.02% 99.85%$1,216,968 11,790SOUTHERN GUAR INS CO1917850 8,59166.69% 0.02% 99.87%$1,119,394 1,671WARRIOR INVICTUS HOLDING CO GRP472751 1,25040.57% 0.02% 99.89%$1,008,305 0INTEGRAND ASSUR CO2677852 038.89% 0.02% 100.00%

$944,529 3,422HARTFORD FIRE & CAS GRP9153 3,42265.26% 0.01% 100.00%$763,737 894,647TEXAS FARM BUREAU MUT GRP80954 466,10941.10% 0.01% 100.00%$518,918 0UNDERWRITERS AT LLOYDS3272755 014.51% 0.01% 100.00%$495,310 0UNDERWRITERS AT LLOYDS LONDON1564256 07.82% 0.01% 100.00%$466,801 1,187RETAILERS INS CO1247157 19885.41% 0.01% 100.00%$464,730 0ASPEN INS HOLDING GRP469858 2059.67% 0.01% 100.00%$352,199 306NATIONAL INS CO OF WI INS3015559 306191.65% 0.01% 100.00%$348,712 9,987AEGON US HOLDING GRP46860 9,81210.11% 0.01% 100.00%$331,451 14,223FIRST NET INS CO1097261 9855.28% 0.01% 100.00%$328,360 113SOBC HOLDING LTD GRP488362 8551.88% 0.01% 100.00%$323,236 0TRAVELERS GRP354863 0(892.42)% 0.00% 100.00%$170,811 826FARMERS INS GRP6964 5918.92% 0.00% 100.00%$147,180 0UNITED INS HOLDINGS GRP483065 021.84% 0.00% 100.00%$100,391 1,153KERNAN GRP338466 2178.65% 0.00% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Market 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

$98,829 1,310APOLLO GLOBAL MGMT GRP473467 79180.24% 0.00% 100.00%$54,269 0MICHIGAN FARM BUREAU GRP6768 1100.33% 0.00% 100.00%$42,167 0OKLAHOMA FARM BUREAU GRP22069 0100.58% 0.00% 100.00%$24,148 191VIRGINIA FARM BUREAU GRP20370 19130.72% 0.00% 100.00%$19,483 34SELECTIVE INS GRP24271 34(128.27)% 0.00% 100.00%$13,615 12FRANKENMUTH GRP130972 121,129.98% 0.00% 100.00%

$7,800 0GREAT PLAINS CAS INC1298273 60.00% 0.00% 100.00%$7,455 12DAILY UNDERWRITERS OF AMER3548374 12134.14% 0.00% 100.00%$4,873 18HORACE MANN GRP30075 14207.47% 0.00% 100.00%$4,841 322FARMERS MUT HAIL INS GRP56976 3220.00% 0.00% 100.00%$3,634 0STATE AUTO MUT GRP17577 0(161.01)% 0.00% 100.00%$3,064 1THE HANOVER INS GRP8878 119.75% 0.00% 100.00%$2,838 15OHIO MUT GRP96379 150.00% 0.00% 100.00%$2,190 570CLOISTER MUT & WINDSOR MOUNT JOY GR477480 570684.93% 0.00% 100.00%

$718 0MOTORISTS MUT GRP29181 0(72.84)% 0.00% 100.00%$300 0AMALGAMATED CAS INS CO1329382 30.00% 0.00% 100.00%$271 3ARROWPOINT CAPITAL GRP55383 210.70% 0.00% 100.00%

$64 3MERCHANTS MUT GRP22684 30.00% 0.00% 100.00%

$6,466,832,925 131,386,533GRAND TOTAL 43,730,41370.37% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2018Market 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

$357,012,787 250,600THRIVENT FINANCIAL FOR LUTHERANS GRP29381 236,12447.27% 54.92% 54.92%$73,099,421 54,794KNIGHTS OF COLUMBUS580332 54,730113.80% 11.24% 66.16%$48,709,378 35,480ORDER OF UNITED COMMERCIAL TRAVELERS563833 34,12767.05% 7.49% 73.66%$45,655,630 21,605EVERENCE GRP46164 17,49370.58% 7.02% 80.68%$37,349,012 12,617ASSURED LIFE ASSN564995 12,61769.19% 5.75% 86.43%$22,545,828 106,858POLICE & FIREMENS INS ASSN580096 106,85845.22% 3.47% 89.89%$21,543,782 4,942ROYAL NEIGHBORS OF AMER576577 4,94263.19% 3.31% 93.21%$13,692,460 7,774GCU566938 7,77491.01% 2.11% 95.31%

$9,525,662 33,380WOODMEN WORLD LIFE INS SOC573209 31,46573.65% 1.47% 96.78%$5,471,841 19,618INDEPENDENT ORDER OF FORESTERS US BR5806810 19,61821.56% 0.84% 97.62%$3,641,405 40,834UNITED TRANSPORTATION UNION INS ASSN5641311 27,42337.23% 0.56% 98.18%$3,457,123 1,482WESTERN CATHOLIC UNION5771112 1,48291.94% 0.53% 98.71%$3,130,415 2,066LOYAL CHRISTIAN BENEFIT ASSN5675813 2,06679.09% 0.48% 99.19%$1,420,349 7,995CATHOLIC ORDER OF FORESTERS5748714 7,995195.31% 0.22% 99.41%$1,185,055 5,673UNITED STATES LETTER CARRIERS MUT BE5645615 4,4381.60% 0.18% 99.60%

$678,128 5,233KSKJ LIFE AMER SLOVENIAN CATHOLIC UN5622716 5,23346.57% 0.10% 99.70%$436,121 0POLISH FALCONS OF AMER5682017 0111.81% 0.07% 99.77%$401,855 99SPJST5743618 9972.99% 0.06% 99.83%$321,791 19,303TRAVELERS PROTECTIVE ASSN OF AMER5600619 19,30394.87% 0.05% 99.88%$288,356 619EMPLOYES MUT BENEFIT ASSN5604920 61941.62% 0.04% 100.00%$128,263 332NATIONAL MUT BENEFIT5607321 33274.69% 0.02% 100.00%

$80,389 0CATHOLIC UNITED FINANCIAL5705322 260.23% 0.01% 100.00%$72,344 201MODERN WOODMEN OF AMER5754123 201531.26% 0.01% 100.00%$68,754 343CATHOLIC FINANCIAL LIFE5603024 343206.38% 0.01% 100.00%$40,440 142CATHOLIC LIFE INS5734725 14287.95% 0.01% 100.00%$31,885 2,689CROATIAN FRATERNAL UNION OF AMER5663426 3,31961.18% 0.00% 100.00%$21,610 3,496SLOVENE NATL BENEFIT SOCIETY5767327 3,49622.47% 0.00% 100.00%$19,117 2,331GLEANER LIFE INS SOCIETY5615428 2,331174.27% 0.00% 100.00%$17,989 109SONS OF NORWAY5714229 97566.78% 0.00% 100.00%$17,271 6CSA FRATERNAL LIFE5613830 6132.61% 0.00% 100.00%

$6,120 0UKRAINIAN NATL ASSN INC5721531 0(7.81)% 0.00% 100.00%$46 0CATHOLIC HOLY FAMILY SOCIETY5777032 00.00% 0.00% 100.00%

$650,070,627 640,621GRAND TOTAL 604,67561.43% 100.00%

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Accident and Health Policy Experience Report Technical Notes

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2018 Accident and Health Policy Experience Report

Technical Notes

The data contained within this report is from data filed in the Accident and Health Policy Experience Exhibit (Exhibit). The Exhibit appears in all major NAIC financial annual statement blanks.

Starting with data year 2010, reasonability validations were added into the software data checks of NAIC company filings. A ratio of one individual policy or certificate per 10 covered lives should not be exceeded in individual business. Another validation checks for company filings that did not have both premiums earned and year-end policy/certificate or covered life counts reported in the Exhibit. While it is possible for a company to have premium with no lives/policies if it is in run-off, adding 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 Exhibit is not available by state.

Individual Business All data is aggregated from the Individual Business section (Section A, Lines 1 through 19) of the Exhibit. This section has information concerning direct business written on policy forms approved for use in the United States.

Group Business All data is aggregated from the Group Business section (Section B, Lines 1 through 20) of the Exhibit. This section has information concerning direct business written on policy forms approved for use in the United States.

Other Business All data is aggregated from the Other Business section (Section C, Lines 1 through 5) of the Exhibit. These data concern only U.S. policy forms.

Total Non-U.S. Policy Forms from the Total Business section (Section D, Line 1) for non-U.S. policy forms are included in the Other Business section of this report on page 258.

Grand Total (Individual, Group and Other) Business All data is aggregated and are U.S. policy forms, i.e. Grand Total of the Exhibit (Line D.2) minus the Total Non-U.S. Policy Forms (Line D.1). Equivalently, Lines A.19 plus B.20 plus C.5.

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 Company Index

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Accident and Health Policy Experience Report for 2018Group Index

1 Group Name:Group Code: CVS 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 Health12575 SILVERSCRIPT 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 Health16058 BANNER HLTH & AETNA HLTH INS CO Health16059 BANNER HLTH & AETNA HLTH PLAN INC Health16121 TEXAS HLTH + AETNA HLTH INS CO Health16132 TEXAS HLTH + AETNA HLTH PLAN INC Health16194 ALLINA HLTH & AETNA INS CO Health60054 AETNA LIFE INS CO Life63444 ACCENDO INS CO Health67660 PENNSYLVANIA LIFE INS CO Health68500 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 AETNA HLTH OF UTAH 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 Health95756 AETNA HLTH INC MI 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

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Accident and Health Policy Experience Exhibit Group Index

4 Group Name:Group Code: AMERIPRISE FIN GRP65005 RIVERSOURCE LIFE INS CO Life80594 RIVERSOURCE LIFE INS CO OF NY Life

5 Group Name:Group Code: ALFA INS GRP79049 ALFA LIFE INS CORP Life

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 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 Property26883 AIG SPECIALTY INS CO Property31674 AIG INS CO PR 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 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 Life65315 LIBERTY LIFE ASSUR CO OF BOSTON 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 Property20079 NATIONAL FIRE & MARINE INS CO Property20087 NATIONAL IND CO Property20931 ATLANTA INTL INS CO Property22063 GOVERNMENT EMPLOYEES INS CO Property22276 BERKSHIRE HATHAWAY SPECIALTY INS CO Property32280 COMMERCIAL CAS 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

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Accident and Health Policy Experience Exhibit Group Index

50 Group Name:Group Code: COUNTRY INS & FIN SERV GRP62553 COUNTRY LIFE INS CO Life

55 Group Name:Group Code: AUTOMOBILE CLUB MI GRP84522 AUTO CLUB LIFE INS CO Life

67 Group Name:Group Code: MICHIGAN FARM BUREAU GRP21555 FARM BUREAU MUT INS CO OF MI Property74799 LEADERS LIFE INS CO Life

68 Group Name:Group Code: WISCONSIN PHYSICIANS SERV INS GRP10159 WPS HLTH PLAN INC Health15926 ASPIRUS ARISE HLTH PLAN OF WI INC Health53139 WISCONSIN PHYSICIANS SERV INS CORP Health64149 EPIC LIFE INS CO Life

69 Group Name:Group Code: FARMERS INS GRP20796 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 Property33723 GREAT AMER SPIRIT 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 INS CO Property70815 HARTFORD LIFE & ACCIDENT 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 CO OF WAUSAU Property23035 LIBERTY MUT FIRE INS CO Property23043 LIBERTY MUT INS CO Property23647 IRONSHORE IND INC Property24074 OHIO CAS INS CO Property

115 Group Name:Group Code: DELTA DENTAL PLAN OF IL GRP47589 DELTA DENTAL OF IL Health

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Accident and Health Policy Experience Exhibit Group Index

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 Health16280 HUMANA HLTH PLAN OF CA INC Health52015 COMPBENEFITS CO Health54739 THE DENTAL CONCERN INC Health60052 HUMANA BENEFIT PLAN OF IL INC Health60219 HUMANA INS CO OF KY Life60984 COMPBENEFITS INS CO Health69671 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 Property64017 JEFFERSON NATL LIFE INS CO Life64327 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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Accident and Health Policy Experience Exhibit Group Index

158 Group Name:Group Code: FAIRFAX FIN GRP21105 NORTH RIVER INS CO Property21113 UNITED STATES FIRE INS CO Property25054 HUDSON INS CO Property25534 TIG 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 Property73504 LUMICO LIFE INS CO Life82627 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 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

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Accident and Health Policy Experience Exhibit Group Index

226 Group Name:Group Code: MERCHANTS MUT GRP23329 MERCHANTS MUT INS CO Property

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 Life65978 METROPOLITAN LIFE INS CO Life79014 SAFEHEALTH LIFE INS CO Health95051 SAFEGUARD HLTH PLANS INC Health97136 METROPOLITAN TOWER LIFE INS CO Life

242 Group Name:Group Code: SELECTIVE INS GRP12572 SELECTIVE INS CO OF AMER Property

244 Group Name:Group Code: CINCINNATI FIN GRP76236 THE 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 Health

264 Group Name:Group Code: HEALTHMARKETS GRP61832 CHESAPEAKE LIFE INS CO Life66087 MID WEST NATL LIFE INS CO OF TN 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 GLOBE LIFE INS CO OF NY 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

304 Group Name:Group Code: PRUDENTIAL OF AMER GRP68241 PRUDENTIAL INS CO OF AMER Life

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Accident and Health Policy Experience Exhibit Group Index

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 GRP53090 EMPLOYERS DENTAL SERV Health61271 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 GRP72125 PHYSICIANS LIFE INS CO Life80578 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 GRP60739 AMERICAN NATL INS CO Life63126 AMERICAN NAT LIFE INS CO OF NY 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 Property31690 MAPFRE PAN AMER INS CO Property43052 MAPFRE PRAICO INS CO Property77054 MAPFRE LIFE INS CO OF PR Life

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Accident and Health Policy Experience Exhibit Group Index

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 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

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 INS 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

471 Group Name:Group Code: WELLS FARGO GRP62383 CENTURION LIFE INS CO Life

473 Group Name:Group Code: AMERICAN FAMILY INS GRP10386 AMERICAN FAMILY INS CO Property19275 AMERICAN FAMILY MUT INS CO SI Property

477 Group Name:Group Code: RENAISSANCE HLTH SERV CORP GRP15638 RENAISSANCE LIFE & HLTH INS CO OF NY Life47287 DELTA DENTAL PLAN OF NM 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 PRESBYTERIAN INS CO INC Health95330 PRESBYTERIAN HLTH PLAN INC Health

501 Group Name:Group Code: ALLEGHANY GRP10472 CAPITOL IND CORP Property18619 PLATTE RIVER INS CO Property35157 FAIR AMER INS & REINS 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

© 2019 National Association of Insurance Commissioners 313

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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 Health95315 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 Life67601 UNUM INS CO Life68195 PROVIDENT LIFE & ACCIDENT INS CO Life68209 PROVIDENT LIFE & CAS INS CO Life68985 STARMOUNT LIFE INS CO Life

569 Group Name:Group Code: FARMERS MUT HAIL INS GRP13897 FARMERS MUT HAIL INS CO OF IA Property

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 Health29157 UNITED WI INS CO Property54291 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

© 2019 National Association of Insurance Commissioners 314

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Accident and Health Policy Experience Exhibit Group Index

581 Group Name:Group Code: BOSTON MUT GRP61476 BOSTON MUT LIFE INS CO Life78140 LIFE INS CO OF BOSTON & NY Life

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 Life71218 GRANGE LIFE INS CO 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 Health47055 KAISER FOUND HLTH PLAN OF WA OPTIONS 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 Health95672 KAISER FOUNDATION HLTH PLAN OF WA 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

© 2019 National Association of Insurance Commissioners 315

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Accident and Health Policy Experience Exhibit Group Index

626 Group Name:Group Code: CHUBB LTD GRP10052 CHUBB NATL INS CO Property12777 CHUBB IND INS CO Property20281 FEDERAL INS CO Property20303 GREAT NORTHERN INS CO Property20346 PACIFIC IND CO Property20397 VIGILANT INS CO Property20699 ACE PROP & CAS INS CO Property22667 ACE AMER INS CO Property22713 INSURANCE CO OF N AMER Property27960 ILLINOIS UNION INS CO Property35181 EXECUTIVE RISK IND INC Property38989 CHUBB CUSTOM INS CO Property43575 INDEMNITY INS CO OF NORTH AMER Property44792 EXECUTIVE RISK SPECIALTY INS CO Property62146 COMBINED INS CO OF AMER Life78697 COMBINED LIFE INS CO OF NY Life

629 Group Name:Group Code: PLATEAU GRP97152 PLATEAU INS CO Life

634 Group Name:Group Code: NATIONAL LIFE GRP65528 LIFE INS CO OF THE SOUTHWEST Life66680 NATIONAL LIFE INS CO Life

641 Group Name:Group Code: FIRST TOWER GRP98736 AMERICAN FEDERATED LIFE INS CO Life

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 Life92444 COMPANION LIFE INS CO OF CA Life95741 BLUECHOICE HLTHPLAN OF SC INC Health

© 2019 National Association of Insurance Commissioners 316

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Accident and Health Policy Experience Exhibit Group Index

671 Group Name:Group Code: ANTHEM INC GRP10119 FREEDOM HLTH INC Health10122 HEALTH SUN HLTH PLANS Health10345 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 Health12259 OPTIMUM HLTHCARE 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 Life13726 SIMPLY HLTHCARE PLANS INC Health14064 AMERIGROUP LA INC Health14073 AMERIGROUP WASHINGTON INC Health14078 AMERIGROUP INS CO Health14276 AMERIGROUP KS INC Health15543 ANTHEM KY MANAGED CARE PLAN INC Health15544 AMERICAS 1ST CHOICE OF SC INC Health15807 AMERIGROUP IOWA INC Health15929 WISCONSIN COLLABORATIVE INS CO Health16168 AMERIGROUP DC INC Health16345 CCHA LLC 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 Life95120 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

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

© 2019 National Association of Insurance Commissioners 317

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Accident and Health Policy Experience Exhibit Group Index

704Group Code: Group Name: OHIO NATL LIFE GRP6717289206

OHIO NATL LIFE INS COOHIO NATL LIFE ASSUR CORP

LifeLife

707Group Code: Group Name: UNITEDHEALTH GRP11068111411117611494

HealthHealthHealthHealth

115961215512231123231255812567127561321413607140414803852053600936031860321622866964770785

LifeHealthHealthHealthHealthHealthHealthHealthHealthHealthHealthHealthHealthHealthHealthLifeLifeLife

71420 Health7313078026794137948082406

LifeHealthLifeHealthLife

845068454991529950259508595090951039512395149951749518695220952519526495378954349544695467954799548295497955019550695591956179568595710957169575895765

ORTHONET OF THE MID ATLANTIC INCUNITEDHEALTHCARE COMM PLAN OF TX LLCPREFERRED CARE PARTNERS INCPHYSICIANS HLTH CHOICE OF TX LLCUNIMERICA LIFE INS CO OF NYMEDICA HLTHCARE PLANS INCUNITEDHEALTHCARE INS CO OF THE RIVERUNITEDHEALTHCARE COMM PLAN OF OH INCCARE IMPROVEMENT PLUS OF TX INS COCARE IMPROVEMENT PLUS S CENTRAL INSMEDICA HLTH PLANS OF FL INCUNITEDHEALTHCARE OF NM INCPEOPLES HLTH INCCARE IMPROVEMENT PLUS WI INS COUNITEDHEALTHCARE OF WA INCDENTAL BENEFIT PROVIDERS OF IL INCUNITED HLTHCARE INS CO OF NYUNITED HLTHCARE INS CO OF ILMAMSI LIFE & HLTH INS COGOLDEN RULE INS COOPTUM INS OF OH INCPACIFICARE LIFE & HLTH INS COSIERRA HLTH & LIFE INS CO INCALL SAVERS LIFE INS CO OF CAOXFORD HLTH INS INCUNITEDHEALTHCARE INS COHARKEN HLTH INS COALL SAVERS INS COPACIFICARE LIFE ASSUR COSYMPHONIX HLTH INS INCUNIMERICA INS COUNITED HLTHCARE MID ATLANTIC INCUNITEDHEALTHCARE OF NY INCUNITED HLTHCARE OF CO INCUNITEDHEALTHCARE OF NC INCNEIGHBORHOOD HLTH PARTNERSHIP INCUNITEDHEALTHCARE OF NEW ENGLAND INCUNITEDHEALTHCARE BENEFITS OF TX INCUNITED HLTHCARE OF OH INCUNITEDHEALTHCARE OF PA INCNATIONAL PACIFIC DENTAL INCUNITED HLTHCARE OF FL INCUNITEDHEALTHCARE PLAN OF THE RIVER VPACIFICARE OF CO INCUNITED HLTHCARE OF AR INCUNITEDHEALTHCARE COMM PLAN INCOXFORD HLTH PLANS NY INCROCKY MOUNTAIN HMO INCAMERICHOICE OF NJ INCUNITED HLTHCARE OF UT INCOXFORD HLTH PLANS NJ INCUNITED HLTHCARE OF MIDLANDS INCPACIFICARE OF AZ INCPACIFICARE OF NV INCUNITEDHEALTHCARE OF WI INCUNITED HLTH CARE OF MS INCNEVADA PACIFIC DENTAL INCUNITEDHEALTHCARE OF TX INC

HealthHealthLifeHealthHealthHealthHealthHealthHealthHealthHealthHealthHealthHealthHealthHealthHealthHealthHealthHealthHealthHealthHealthHealthHealthHealthHealthHealthHealthHealth

© 2019 National Association of Insurance Commissioners 318

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Accident and Health Policy Experience Exhibit Group Index

707 Group Name:Group Code: UNITEDHEALTH GRP95776 UNITEDHEALTHCARE OF IL INC Health95784 UNITED HLTHCARE OF AL INC Health95833 UNITED HLTHCARE OF LA INC Health95850 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 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 GRP15934 WELLMARK VALUE HLTH PLAN INC Health15935 WELLMARK SYNERGY HLTH INC Health60128 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 GRP38970 MARKEL INS CO Property

796 Group Name:Group Code: QBE INS GRP11515 QBE SPECIALTY INS CO Property39217 QBE INS CORP Property

809 Group Name:Group Code: TEXAS FARM BUREAU MUT GRP25380 TEXAS FARM BUREAU MUT INS CO Property

810 Group Name:Group Code: PENN TREATY AMER GRP60243 AMERICAN INDEPENDENT NTWRK INS CO NY Life

© 2019 National Association of Insurance Commissioners 319

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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 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 Health71768 HM HLTH INS CO Health85766 UNITED CONCORDIA INS CO Health89070 UNITED CONCORDIA COMPANIES INC Health93440 HM LIFE INS CO Life95048 HIGHMARK CHOICE CO 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 Life70939 GERBER LIFE INS CO Life75264 NATIONAL INTEGRITY 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: USHEALTH GRP INC 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

867 Group Name:Group Code: PROTECTIVE INS CORP GRP12416 PROTECTIVE INS CO Property

869 Group Name:Group Code: MINNESOTA MUT GRP66168 MINNESOTA 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

© 2019 National Association of Insurance Commissioners 320

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Accident and Health Policy Experience Exhibit Group Index

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

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 Health11524 BRAVO HLTH PA INC Health11532 HEALTHSPRING OF FL INC Health12814 ALLEGIANCE LIFE & HLTH INS CO INC Health12902 HEALTHSPRING LIFE & HLTH INS CO INC Health34720 MEDCO CONTAINMENT INS CO OF NY 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 CIGNA NATL HLTH INS CO Life62308 CONNECTICUT GEN LIFE INS CO Life63762 MEDCO CONTAINMENT LIFE INS CO Health64548 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 Health96229 CIGNA HLTHCARE OF GA INC Health

© 2019 National Association of Insurance Commissioners 321

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Accident and Health Policy Experience Exhibit Group Index

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

905 Group Name:Group Code: THE LDS GRP93650 VERSANT LIFE INS CO Life94579 FIRST ASSUR LIFE OF AMER Life

917 Group Name:Group Code: HCSC GRP11814 GHS HMO INC DBA BLUELINCS HMO 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 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: GULF GUARANTY GRP77976 GULF GUAR LIFE INS CO 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 GRP19518 CATLIN INS CO Property22322 GREENWICH INS CO Property62944 AXA EQUITABLE LIFE INS CO Life78077 MONY LIFE INS CO OF AMER Life

© 2019 National Association of Insurance Commissioners 322

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Accident and Health Policy Experience Exhibit Group Index

1117 Group Name:Group Code: MANHATTAN LIFE GRP61883 MANHATTANLIFE ASSUR CO OF AMER Life63053 FAMILY LIFE INS CO Life65870 MANHATTAN LIFE INS CO Life85189 WESTERN UNITED LIFE ASSUR CO Life

1120 Group Name:Group Code: EVEREST REINS HOLDINGS GRP26921 EVEREST REINS CO Property

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

1143 Group Name:Group Code: GEISINGER INS GRP10244 GEISINGER IND INS CO Health12743 GEISINGER QUALITY OPTIONS INC Health95923 GEISINGER HLTH PLAN Health

1167 Group Name:Group Code: OPTIMUM GRP65960 WINDSOR LIFE INS CO Life

1183 Group Name:Group Code: SENTARA HLTH MGMT GRP70715 OPTIMA HLTH INS CO Health95281 OPTIMA HLTH PLAN 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 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

1198 Group Name:Group Code: MVP GRP11125 MVP HLTH INS CO Health47062 MVP HLTH SERV CORP Health95521 MVP HLTH PLAN INC Health

© 2019 National Association of Insurance Commissioners 323

Page 328: 2018 Accident and Health Policy Experience Report · Health Policy Experience Exhibit, market share data based on this exhibit, and more. The health insurance market is , with a varieexpansivety

Accident and Health Policy Experience Exhibit Group Index

1199 Group Name:Group Code: WELLCARE GRP10096 SELECTCARE OF TX INC Health10155 WELLCARE PRESCRIPTION INS INC Health10760 WELLCARE OF GA INC Health10768 SELECTCARE HLTH PLANS INC Health10884 WELLCARE HLTH INS OF NY 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 Health13189 MERIDIAN HLTH PLAN OF IL INC Health15510 WELLCARE HLTH PLANS OF KY INC Health15951 WELLCARE OF NE INC Health52563 MERIDIAN HLTH PLAN OF MI INC Health64467 WELLCARE HLTH INS OF KY INC Health80624 AMERICAN PROGRESSIVE L&H INS OF NY Life83445 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 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 Health78879 COMMENCEMENT BAY RISK MGMT INS CO Life95303 BRIDGESPAN HLTH CO Health97985 LIFEMAP ASSUR CO Life

1211 Group Name:Group Code: NATIONAL GUARDIAN LIFE INS GRP66583 NATIONAL GUARDIAN LIFE INS CO Life81426 COMMERCIAL TRAVELERS 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

© 2019 National Association of Insurance Commissioners 324

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Accident and Health Policy Experience Exhibit Group Index

1230 Group Name:Group Code: CAPITAL BLUE CROSS GRP12358 AVALON INS CO Health14411 CAPITAL ADVANTAGE ASSUR CO Health15793 VIBRA HLTH PLAN INC Health16003 DOMINION NATL INS CO Health41203 CAPITAL ADVANTAGE INS CO Health54720 CAPITAL BLUE CROSS Health95199 KEYSTONE HLTH PLAN CENTRAL INC Health95657 DOMINION DENTAL SERV INC Health

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 GRP12776 SENIOR WHOLE HLTH OF NY INC Health14447 FLORIDA MHS INC Health14641 MAGELLAN COMPLETE CARE OF AZ INC Health15550 MAGELLAN COMPLETE CARE OF LA INC Health16043 MAGELLAN COMPLETE CARE OF VA LLC Health18750 MERIT HLTH INS CO Health47019 MAGELLAN BEHAVIORAL HLTH OF PA INC Health97292 MAGELLAN LIFE INS CO Health

1279 Group Name:Group Code: ARCH INS GRP11150 ARCH INS CO Property

1289 Group Name:Group Code: AMERICAN FIDELITY & LIBERTY INC GR35963 AF&L INS CO Property76759 SENIOR AMER 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

© 2019 National Association of Insurance Commissioners 325

Page 330: 2018 Accident and Health Policy Experience Report · Health Policy Experience Exhibit, market share data based on this exhibit, and more. The health insurance market is , with a varieexpansivety

Accident and Health Policy Experience Exhibit Group Index

1295 Group Name:Group Code: CENTENE CORP GRP10769 MICHIGAN COMPLETE HLTH 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 Health15895 HEALTH NET COMM SOLUTIONS OF AZ Health15902 NEBRASKA TOTAL CARE INC Health15912 SUPERIOR HEALTHPLAN COMM SOLUTIONS I Health15927 SUNSHINE HLTH COMM SOLUTIONS INC Health16041 PENNSYLVANIA HLTH & WELLNESS INC Health16112 BUCKEYE HLTH PLAN COMM SOLUTIONS INC Health16143 SILVERSUMMIT HEALTHPLAN INC Health16310 BRIDGEWAY HLTH SOLUTIONS OF AZ 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 OF WVA INC 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 GRP47098 MODA HLTH PLAN INC Health54941 DELTA DENTAL PLAN OF OR Health

1324 Group Name:Group Code: UPMC HLTH SYSTEM GRP11994 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

© 2019 National Association of Insurance Commissioners 326

Page 331: 2018 Accident and Health Policy Experience Report · Health Policy Experience Exhibit, market share data based on this exhibit, and more. The health insurance market is , with a varieexpansivety

Accident and Health Policy Experience Exhibit Group Index

1339 Group Name:Group Code: CROY HALL MGMT GRP82392 REGAL LIFE OF AMER INS CO Life82430 SOUTHWEST SERV LIFE INS CO Life

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 Health16301 MOLINA HLTHCARE OF MS 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

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 FINANCIAL SERV GRP25011 WESCO INS CO Property

2678 Group Name:Group Code: NETWORK HLTH GRP15087 NETWORK HLTH INS CORP Health95737 NETWORK HLTH PLAN Health

2738 Group Name:Group Code: COMMUNITY FIRST GRP95248 COMMUNITY FIRST HLTH PLANS INC Health

© 2019 National Association of Insurance Commissioners 327

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Accident and Health Policy Experience Exhibit Group Index

2798 Group Name:Group Code: BLUE SHIELD OF CA GRP15143 CARE 1ST HEALTH PLAN Health61557 BLUE SHIELD OF CA LIFE & HLTH INS CO Life71331 CAREAMERICA LIFE 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

2918 Group Name:Group Code: DELTA DENTAL PLAN OF NJ GRP15987 DELTA DENTAL OF CT INC Health

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 Property11243 HCC SPECIALTY INS CO 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 GRP12816 PHP INS CO Health95849 PHYSICIANS HLTH PLAN Health

3416 Group Name:Group Code: AXIS CAPITAL GRP20370 AXIS REINS CO Property37273 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

© 2019 National Association of Insurance Commissioners 328

Page 333: 2018 Accident and Health Policy Experience Report · Health Policy Experience Exhibit, market share data based on this exhibit, and more. The health insurance market is , with a varieexpansivety

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 Property25887 UNITED STATES FIDELITY & GUAR CO 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 Health55697 DELTA DENTAL OF MO Health

© 2019 National Association of Insurance Commissioners 329

Page 334: 2018 Accident and Health Policy Experience Report · Health Policy Experience Exhibit, market share data based on this exhibit, and more. The health insurance market is , with a varieexpansivety

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: GLOBAL ATLANTIC 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

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

4506 Group Name:Group Code: DENTAL ECONOMICS GRP69060 GUARANTY ASSUR CO Health

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 MUT LIFE INS CO OF 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 Health

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 GRP80055 GREENHOUSE LIFE INS CO Life93572 RGA REINS CO Life

© 2019 National Association of Insurance Commissioners 330

Page 335: 2018 Accident and Health Policy Experience Report · Health Policy Experience Exhibit, market share data based on this exhibit, and more. The health insurance market is , with a varieexpansivety

Accident and Health Policy Experience Exhibit Group Index

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 Health16372 LIBERTY DENTAL PLAN ORG OF NJ INC Health

4696 Group Name:Group Code: VISION BENEFITS GRP13750 VISION BENEFITS OF AMER II INC Health53953 VISION BENEFITS OF AMER INC Health

4698 Group Name:Group Code: ASPEN INS HOLDING GRP43460 ASPEN AMER INS CO Property

4700 Group Name:Group Code: MCLAREN HLTH GRP14217 MCLAREN HLTH PLAN COMM Health95562 MCLAREN HLTH PLAN INC Health95807 MDWISE 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

4708 Group Name:Group Code: CDPHP INC GRP47027 CDPHP UNIVERSAL BENEFITS INC Health95491 CAPITAL DISTRICT PHYSICIANS HLTHPLN Health

4709 Group Name:Group Code: SECURITY GRP65480 OLD SPARTAN LIFE INS CO INC Life

4712 Group Name:Group Code: GPM LIFE GRP63967 GOVERNMENT PERSONNEL MUT LIFE INS CO Life67059 GPM HLTH & LIFE INS CO Life

4718 Group Name:Group Code: TIPTREE FIN GRP10051 LYNDON SOUTHERN INS CO Property10970 RESPONSE IND CO OF CA Property11162 INSURANCE CO OF THE SOUTH Property40754 BLUE RIDGE IND CO 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 TPM LIFE INS CO Life81442 MONITOR LIFE INS CO OF NY Life

4725 Group Name:Group Code: ENSTAR GRP20532 CLARENDON NATL INS CO Property

4727 Group Name:Group Code: WARRIOR INVICTUS HOLDING CO GRP81108 UNITED SECURITY HLTH & CAS INS CO Property

© 2019 National Association of Insurance Commissioners 331

Page 336: 2018 Accident and Health Policy Experience Report · Health Policy Experience Exhibit, market share data based on this exhibit, and more. The health insurance market is , with a varieexpansivety

Accident and Health Policy Experience Exhibit Group Index

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

4734 Group Name:Group Code: APOLLO GLOBAL MGMT GRP41211 TRITON INS CO Property52615 UPPER PENINSULA HLTH PLAN LLC Health60518 AMERICAN HLTH & LIFE INS CO Life61492 ATHENE ANNUITY & LIFE ASSUR CO Life61689 ATHENE ANN & LIFE CO Life63932 ATHENE LIFE INS CO OF NY Life65951 MERIT LIFE INS CO Life68039 ATHENE ANN & LIFE ASSUR CO OF NY Life80942 VOYA INS & ANN CO Life

4736 Group Name:Group Code: GGC GRP62359 CONSTITUTION LIFE INS CO Life67814 NASSAU 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 Health16272 HEALTH FIRST COMMERCIAL PLANS IN 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

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

4756 Group Name:Group Code: BAYSTATE HLTH GRP14198 HNE INS CO Health15521 HNE OF CT INC Health95673 HEALTH NEW ENGLAND INC Health

© 2019 National Association of Insurance Commissioners 332

Page 337: 2018 Accident and Health Policy Experience Report · Health Policy Experience Exhibit, market share data based on this exhibit, and more. The health insurance market is , with a varieexpansivety

Accident and Health Policy Experience Exhibit Group Index

4759 Group Name:Group Code: TENET HEALTHCARE CORP GRP10160 PHOENIX HLTH PLANS 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 GRP16031 HEALTHFIRST INS CO INC Health95284 HEALTHFIRST HLTH PLAN INC Health

4781 Group Name:Group Code: COLORADO ACCESS GRP15106 NEW HLTH VENTURES INC Health95733 COLORADO ACCESS Health

4784 Group Name:Group Code: DG ELMORE GRP94790 JEFFERSON LIFE INS CO Life

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

4794 Group Name:Group Code: GROUP ONE THOUSAND ONE GRP15988 EON HLTH INC Health16005 EON HLTH INC Health72664 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

© 2019 National Association of Insurance Commissioners 333

Page 338: 2018 Accident and Health Policy Experience Report · Health Policy Experience Exhibit, market share data based on this exhibit, and more. The health insurance market is , with a varieexpansivety

Accident and Health Policy Experience Exhibit Group Index

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

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 Health16202 OSCAR INS CORP OF OH Health16231 OSCAR GARDEN STATE INS CORP Health

4819 Group Name:Group Code: PREFERRED INS GRP14080 PREFERRED INS SERV INC Health15595 PREFERRED INS AFFIL INC Health

4822 Group Name:Group Code: F&R HOLDINGS GRP12844 NATIONAL DENTAL CARE INC Health13208 PRE PAID DENTAL SERV INC Health13211 SENIORDENT DENTAL PLAN INC Health

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 Life93777 PAVONIA LIFE INS CO OF MI 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

© 2019 National Association of Insurance Commissioners 334

Page 339: 2018 Accident and Health Policy Experience Report · Health Policy Experience Exhibit, market share data based on this exhibit, and more. The health insurance market is , with a varieexpansivety

Accident and Health Policy Experience Exhibit Group Index

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 Life67105 RELIASTAR LIFE INS CO Life68713 SECURITY LIFE OF DENVER INS CO Life86509 VOYA RETIREMENT INS & ANN CO Life

4833 Group Name:Group Code: AHF GRP12973 AIDS HLTHCARE FOUND MCO OF FL INC Health16197 AHF MCO OF GA INC Health

4835 Group Name:Group Code: KILPATRICK LIFE GRP74918 KILPATRICK LIFE INS CO Life

4842 Group Name:Group Code: PROVIDER PARTNERS HLTH GRP14458 PROVIDER PARTNERS HLTH PLAN OF PA IN Health15719 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

4846 Group Name:Group Code: FRESENIUS MEDICAL CARE HOLDINGS G12288 FRESENIUS HLTH PLANS OF NC INC Health12597 FRESENIUS HLTH PLANS OF TX INC Health15939 FRESENIUS HLTH PLANS OF NY INC Health85286 FRESENIUS HLTH PLANS INS CO 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 GRP15901 SAPPHIRE EDGE INC Health77780 BCBS OF NE Health

4859 Group Name:Group Code: ASCENSION HLTH GRP15906 SETON INS CO Health95240 SETON HLTH PLAN INC Health

4862 Group Name:Group Code: ASSURITY GRP15940 ASSURITY LIFE INS CO OF NY Life71439 ASSURITY LIFE INS CO Life

4863 Group Name:Group Code: CHINA MINSHENG GRP31208 OAKWOOD INS CO Property38776 SIRIUS AMER INS CO Property

© 2019 National Association of Insurance Commissioners 335

Page 340: 2018 Accident and Health Policy Experience Report · Health Policy Experience Exhibit, market share data based on this exhibit, and more. The health insurance market is , with a varieexpansivety

Accident and Health Policy Experience Exhibit Group Index

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 Health95341 PHYSICIANS PLUS INS CORP Health95796 UNITY HLTH PLANS INS CORP Health

4879 Group Name:Group Code: CENTERBRIDGE CAPITAL PARTNERS GR52005 SUPERIOR VISION INS PLAN OF WI INC Health95387 BLOCK VISION OF TX INC 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

4886 Group Name:Group Code: BENCHMARK HOLDING GRP41394 BENCHMARK INS CO Property

4887 Group Name:Group Code: BRIGHT HLTH GRP15963 BRIGHT HLTH INS CO Health16102 BRIGHT HLTH INS CO OF AL INC Health16122 BRIGHT HLTH CO OF AZ Health

4888 Group Name:Group Code: EQUITABLE FAMILY INS CO GRP91785 EQUITABLE NATL LIFE INS CO INC Life

4890 Group Name:Group Code: SBL HOLDINGS GRP68675 SECURITY BENEFIT LIFE INS CO Life

4892 Group Name:Group Code: HARRIS HLTH GRP16133 COMMUNITY HLTH CHOICE TX INC Health95615 COMMUNITY HLTH CHOICE INC Health

4893 Group Name:Group Code: TRUSTED HLTH PLANS GRP11081 TRUSTED HLTH PLAN MI INC Health14225 TRUSTED HLTH PLAN DC INC Health

4894 Group Name:Group Code: INDEPENDENT HLTH ASSN GRP47034 INDEPENDENT HLTH BENEFITS CORP Health95308 INDEPENDENT HLTH ASSN Health

4895 Group Name:Group Code: GOOD SAMARITAN INS PLAN GRP16151 GOOD SAMARITAN INS PLAN OF NE INC Health16153 GOOD SAMARITAN INS PLAN OF SD INC Health16154 GOOD SAMARITAN INS PLAN OF ND LLC Health

4896 Group Name:Group Code: SPARTAN PLAN HOLDINGS GRP16127 SPARTAN PLAN PA INC Health16149 SPARTAN PLAN VA INC Health16150 SPARTAN PLAN IL INC Health16166 SPARTAN PLAN NY INC Health

4900 Group Name:Group Code: US ALLIANCE CORP GRP14165 US ALLIANCE LIFE & SECURITY CO Life14188 DAKOTA CAPITAL LIFE INS CO Life

4903 Group Name:Group Code: HLAZ HOLDINGS GRP64394 HERITAGE LIFE INS CO Life

© 2019 National Association of Insurance Commissioners 336

Page 341: 2018 Accident and Health Policy Experience Report · Health Policy Experience Exhibit, market share data based on this exhibit, and more. The health insurance market is , with a varieexpansivety

Accident and Health Policy Experience Exhibit Group Index

4904 Group Name:Group Code: INTACT FINANCIAL GRP27154 ATLANTIC SPECIALTY INS CO Property34452 HOMELAND INS CO OF NY Property

4905 Group Name:Group Code: NATIONAL HEALTHCARE CORP GRP16000 NHC ADVANTAGE LLC Health

4909 Group Name:Group Code: ASSURANCEAMERICA CORP GRP11558 ASSURANCEAMERICA INS CO Property

4914 Group Name:Group Code: FGL HOLDINGS GRP63274 FIDELITY & GUAR LIFE INS CO Life

4916 Group Name:Group Code: AMERICAN HLTH CO INC GRP12284 OKLAHOMA SUPERIOR SELECT INC Health

4917 Group Name:Group Code: BENECARE DENTAL PLANS GRP11217 ATLANTIC SOUTHERN DENTAL FOUND Health12213 DENTAL PRACTICE ASSN OF NJ INC Health16338 CONNECTICUT DENTAL PRACTICE ORGANIZA Health

4918 Group Name:Group Code: CLOVER HLTH GRP86371 CLOVER INS CO Health

4921 Group Name:Group Code: UNICO PREMIER GRP15730 PRUITTHEALTH PREMIER INC Health

4922 Group Name:Group Code: ENTERPRISE INVESTMENTS GRP67326 OLD SURETY LIFE INS CO Life

4925 Group Name:Group Code: KUVARE GRP64238 GUARANTY INCOME LIFE INS CO Life

4926 Group Name:Group Code: HOPMEADOW HOLDINGS GRP71153 TALCOTT RESOLUTION LIFE & ANN INS CO Life88072 TALCOTT RESOLUTION LIFE INS CO Life

4928 Group Name:Group Code: NATIONAL GEN GRP22772 INTEGON IND CORP Property29742 INTEGON NATL INS CO Property82538 NATIONAL HLTH INS CO Life

4932 Group Name:Group Code: BRIGHTHOUSE HOLDINGS GRP87726 BRIGHTHOUSE LIFE INS CO Life91626 NEW ENGLAND LIFE INS CO Life

4933 Group Name:Group Code: COMPREHENSIVE MOBILE GRP15238 COMPREHENSIVE MOBILE INS CO INC Health15360 COMPREHENSIVE MOBILE PLAN UT INC Health

4934 Group Name:Group Code: PARTNERS HEALTHCARE SYSTEM GRP11109 NEIGHBORHOOD HLTH PLAN INC Health

4939 Group Name:Group Code: WEA GRP72273 WEA INS CORP Life96628 HEALTH TRADITION HLTH PLAN INC Health

4954 Group Name:Group Code: UNIVERSAL HLTH SERV INC GRP11079 PROMINENCE PREFERRED HLTH INS CO Health15452 PROMINENCE HEALTHFIRST OF TX INC Health95793 PROMINENCE HEALTHFIRST Health

4955 Group Name:Group Code: POWELL INS GRP78662 SENIOR LIFE INS CO Life

© 2019 National Association of Insurance Commissioners 337

Page 342: 2018 Accident and Health Policy Experience Report · Health Policy Experience Exhibit, market share data based on this exhibit, and more. The health insurance market is , with a varieexpansivety

Accident and Health Policy Experience Report for Individual Company Index

Fraternal56499 ASSURED LIFE ASSN56030 CATHOLIC FINANCIAL LIFE57770 CATHOLIC HOLY FAMILY SOCIETY57347 CATHOLIC LIFE INS57487 CATHOLIC ORDER OF FORESTERS57053 CATHOLIC UNITED FINANCIAL56634 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

Health12253 ALLCARE HLTH PLAN INC11256 ALLIANT HLTH PLANS INC95853 ALOHA CARE15135 ARKANSAS SUPERIOR SELECT INC10123 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 CO13151 CARE N CARE INS CO INC15685 CARE N CARE INS CO OF NC12248 CARE WI HLTH PLAN INC14403 CARECENTRIX OF NJ INC12976 CATHOLIC SPECIAL NEEDS PLAN LLC13739 CHILDRENS COMM HLTH PLAN INC14154 CHRISTUS HLTH PLAN55875 COLORADO DENTAL SERV INC15061 COMMON GROUND HLTHCARE COOP10756 COMMUNITY CARE HLTH PLAN INC

© 2019 National Association of Insurance Commissioners 338

Page 343: 2018 Accident and Health Policy Experience Report · Health Policy Experience Exhibit, market share data based on this exhibit, and more. The health insurance market is , with a varieexpansivety

Accident and Health Policy Experience Exhibit Company Index

Health47049 COMMUNITY HLTH PLAN OF WA15732 COMMUNITYCARE GOVERNMENT PROGRAMS IN55034 DELTA DENTAL OF MN53937 DELTA DENTAL OF OK47341 DELTA DENTAL OF WA47155 DELTA DENTAL PLAN OF AR INC47791 DELTA DENTAL PLAN OF ID INC54097 DELTA DENTAL PLAN OF SD15200 DELTA DENTAL PLAN OF WY96265 DENTAL CARE PLUS INC47490 DENTAL HLTH SERV47112 DENTCARE DELIVERY SYSTEMS INC95750 DENVER HLTH MEDICAL PLAN INC52635 EL PASO FIRST HLTH PLANS INC16074 ELAN INS USVI INC95662 ELDERPLAN INC12747 ENVISION INS CO11699 ESSENCE HLTHCARE INC47084 FAMILYCARE HLTH PLANS INC47051 FIRST COMM HLTH PLAN INC95722 FIRST MEDICAL HLTH PLAN INC12962 FIRSTCAROLINACARE INS CO INC13564 FREELANCERS INS CO INC95774 FRIDAY HLTH PLANS OF CO INC13667 GLOBALHEALTH INC11113 GOLDEN DENTAL PLANS INC95192 GROUP HLTH COOP OF EAU CLAIRE95311 GROUP HLTH COOP OF S CENTRAL WI49948 HAWAII MEDICAL SERV ASSN48330 HAWAII MGMT ALLIANCE ASSN14481 HEALTH CHOICE UTAH INC13992 HEALTH INS CO OF AMER INC55204 HEALTH NOW NY INC95066 HEALTH PARTNERS PLANS INC12277 HEALTH PLAN OF CAREOREGON INC13035 HEALTHFIRST HEALTHPLAN OF NJ INC15888 HEALTHPARTNERS UNITYPOINT HLTH INC11204 HERITAGE VISION PLANS INC27952 HOOSIER MOTOR MUT INS CO15700 HOPKINS HLTH ADVANTAGE INC15743 HSA HLTH INS CO16159 KANSAS SUPERIOR SELECT INC12827 KS PLAN ADMINISTRATORS LLC16170 LIBERTY ADVANTAGE LLC66753 LIBERTY UNION LIFE ASSUR CO15959 LIFEWORKS ADVANTAGE LLC61018 MAGNA INS CO15077 MAINE COMM HLTH OPTIONS15937 MARQUIS ADVANTAGE HLTH PLAN95982 MEDISUN INC14227 MEDSTAR FAMILY CHOICE15757 MISSOURI MEDICARE SELECT LLC14933 MONTANA HLTH COOPERATIVE16135 NATIONAL PREVENTIVE SOLUTIONS CORP95402 NEIGHBORHOOD HLTH PLAN OF RI INC13813 NEVADA DENTAL BENEFITS LTD15011 NEW MEXICO HLTH CONNECTIONS95829 NEW W HLTH SERV

© 2019 National Association of Insurance Commissioners 339

Page 344: 2018 Accident and Health Policy Experience Report · Health Policy Experience Exhibit, market share data based on this exhibit, and more. The health insurance market is , with a varieexpansivety

Accident and Health Policy Experience Exhibit Company Index

Health15094 NEXDENT DENTAL PLANS INC16277 NEXTLEVEL HLTH PARTNERS INC55891 NORIDIAN MUT INS CO12533 OPTICARE OF UT95414 PARKLAND COMM HLTH PLAN INC15009 PIEDMONT WELLSTAR HLTH PLANS INC12619 PIONEER EDUCATORS HLTH TRUST95224 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 INC47012 SIGHTCARE INC15731 SIGNATURE ADVANTAGE LLC16103 SIMPRA ADVANTAGE INC96598 SOUTH DAKOTA STATE MED HOLDING CO95812 SOUTHEASTERN IN HLTH ORG INC15081 STEWARD HLTH CHOICE INC11093 TAKECARE INS CO INC95329 TEXAS CHILDRENS HLTH PLAN INC12239 TIMBER PRODUCTS MANUFACTURERS TRUST12834 TRILOGY HLTH INS INC16281 TRUE HLTH NM INC14243 ULTIMATE HLTH PLANS INC52553 UNION HLTH SERV INC47953 UNIVERSITY HLTH ALLIANCE52621 UNIVERSITY HLTH CARE INC15648 UNIVERSITY OF UT HLTH PLANS97772 US HLTH & LIFE INS CO INC95764 UTMB HLTH PLANS INC95584 VANTAGE HLTH PLAN INC95322 VIVA HLTH INC12867 VOLUNTARY EMPLOYEES BENEFIT ASSN OF15955 WEST VIRGINIA SENIOR ADVANTAGE INC12339 WESTERN GROCERS EMPLOYEE BENEFIT TRU68420 WMI MUT INS CO

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 CO67253 AMERICAN LIFE & SECURITY CORP86118 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 CO71404 CONTINENTAL GEN INS CO79715 COOPERATIVA DE SEGUROS DE VIDA62928 EMC NATL LIFE CO63223 FEDERAL LIFE INS CO

© 2019 National Association of Insurance Commissioners 340

Page 345: 2018 Accident and Health Policy Experience Report · Health Policy Experience Exhibit, market share data based on this exhibit, and more. The health insurance market is , with a varieexpansivety

Accident and Health Policy Experience Exhibit Company Index

Life63290 FIDELITY LIFE ASSN A LEGAL RESERVE L74233 FIRST NATL LIFE INS CO OF USA63495 FORESTERS LIFE INS ANN CO83992 FOUNDATION LIFE INS CO OF AR66214 HEARTLAND NATL LIFE INS CO64580 ILLINOIS MUT LIFE INS CO81779 INDIVIDUAL ASSUR CO LIFE HLTH & ACC64904 INVESTORS HERITAGE LIFE INS CO71323 LANGHORNE REINS AZ LTD85677 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 CO15952 NATIONAL PROSPERITY LIFE & HLTH INS66850 NATIONAL WESTERN LIFE INS CO60246 NETCARE LIFE & HLTH INS CO81264 NIPPON LIFE INS CO OF AMER67393 OZARK NATL LIFE INS CO68551 ROYAL STATE NATL INS CO LTD61573 ROYALTY CAPITAL LIFE INS CO60445 SAGICOR LIFE INS CO68772 SECURITY MUT LIFE INS CO OF NY76325 SENIOR HLTH INS CO OF PA68896 SOUTHERN FARM BUREAU LIFE INS CO71706 STANDARD LIFE & CAS INS CO69132 STATE MUT INS CO69329 SURETY LIFE & CAS INS CO69310 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 CO

Property13293 AMALGAMATED CAS INS CO27928 AMEX ASSUR CO37540 BEAZLEY INS CO INC34568 CENTENNIAL CAS CO10642 CHEROKEE INS CO35483 DAILY UNDERWRITERS OF AMER10972 FIRST NET INS CO12982 GREAT PLAINS CAS INC26778 INTEGRAND ASSUR CO31658 ISLAND HOME INS CO30155 NATIONAL INS CO OF WI INS12471 RETAILERS INS CO23132 RVI AMER INS CO19178 SOUTHERN GUAR INS CO32727 UNDERWRITERS AT LLOYDS15642 UNDERWRITERS AT LLOYDS LONDON

© 2019 National Association of Insurance Commissioners 341