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Page 1: 2015 Accident and Health Policy Experience Report · Accounting & Reporting Information about statutory accounting principles and the procedures necessary for fi ling fi nancial
Page 2: 2015 Accident and Health Policy Experience Report · Accounting & Reporting Information about statutory accounting principles and the procedures necessary for fi ling fi nancial
Page 3: 2015 Accident and Health Policy Experience Report · Accounting & Reporting Information about statutory accounting principles and the procedures necessary for fi ling fi nancial

2015 Accident and HealthPolicy Experience Report

2016

Page 4: 2015 Accident and Health Policy Experience Report · Accounting & Reporting Information about statutory accounting principles and the procedures necessary for fi ling fi nancial

Accounting & ReportingInformation about statutory accounting principles and the procedures necessary for fi ling fi nancial annual statements and conducting risk-based capital calculations.

Consumer InformationImportant 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 fi nancial analysis, company licensing, state audit requirements and receiverships.

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

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

NAIC ActivitiesNAIC member directories, in-depth reporting of state regulatory activities and offi cial historical records of NAIC national meetings and other activities.

For more information about NAIC publications, view our online catalog at:

http://store.naic.org

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

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

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

Capital Markets & Investment AnalysisInformation 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.

© 2016 National Association of Insurance Commissioners. All rights reserved.

ISBN: 978-1-59917-897-4

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.

NAIC Executive Offi ce444 North Capitol Street, NWSuite 700Washington, DC 20001 202.471.3990

NAIC Central Offi ce1100 Walnut StreetSuite 1500Kansas City, MO 64106816.842.3600

NAIC Capital Markets& Investment Analysis Offi ceOne New York Plaza, Suite 4210New York, NY 10004212.398.9000

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:

Page 5: 2015 Accident and Health Policy Experience Report · Accounting & Reporting Information about statutory accounting principles and the procedures necessary for fi ling fi nancial

2015 Accident and Health Policy Experience Report

TABLE OF CONTENTS

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

Report Format ..................................................................................................................................1

Aggregation and Calculation of Data ..............................................................................................3

Definitions........................................................................................................................................3

Qualifications ...................................................................................................................................4

Accident and Health Policy Experience 2011-2015 ........................................................................5

Figure 1: Grand Total of Number of Policies or Certificates 2011-2015 ........................................7

Figure 2: Grand Total of Number of Covered Lives 2011-2015 .....................................................9

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

Annual Statement Data for All Statement Types ...........................................................................13

Annual Statement Data by Statement Type ...................................................................................17

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

Market Share for the Top 125 Insurers ..........................................................................................37

Top 25 Groups by Company ..........................................................................................................43

Market Share by Statement Type ...................................................................................................59

Market Share by Line of Business .................................................................................................73

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

Market Share for the Top 125 Insurers ........................................................................................131

Top 25 Groups by Company ........................................................................................................137

Market Share by Statement Type .................................................................................................151

Market Share by Line of Business ...............................................................................................165

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

Market Share for the Top 125 Insurers ........................................................................................229

Top 25 Groups by Company ........................................................................................................235

Market Share by Statement Type .................................................................................................243

Market Share by Line of Business ...............................................................................................253

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

Market Share for the Top 125 Insurers ........................................................................................263

Top 25 Groups by Company ........................................................................................................269

Market Share by Statement Type .................................................................................................287

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

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

© 2016 National Association of Insurance Commissioners

Page 6: 2015 Accident and Health Policy Experience Report · Accounting & Reporting Information about statutory accounting principles and the procedures necessary for fi ling fi nancial

© 2016 National Association of Insurance Commissioners

Page 7: 2015 Accident and Health Policy Experience Report · Accounting & Reporting Information about statutory accounting principles and the procedures necessary for fi ling fi nancial

2015 Accident and Health Policy Experience Report

INTRODUCTION

The Accident and Health Policy Experience Report was originally created in 2010 using 2009

data, with the intention of meeting the growing demand for information on health insurance. The

Accident and Health Policy Experience Report includes aggregated data from the Accident and

Health Policy Experience Exhibit, market share data based on this exhibit, and more.

The health insurance market is expansive, with a variety of different types of health insurers.

Employer-provided health insurance that is self-insured may be regulated by the federal

government. Not all health insurers are required to file with the state insurance departments. For

example, while many health insurance writers in California file with the California Department

of Insurance, some companies are required to file with the California Department of Managed

Health Care. It is the peculiarities of the health insurance market that warrant caution be taken

when analyzing the numbers within this report. Because the NAIC receives most filings from

companies required to file with the state insurance departments, the data are not a complete

depiction of the health market as a whole.

Some life insurance companies and fraternal insurance companies provide accident and health

coverage, as well as expected life coverages. Property/casualty companies may also provide

accident and health coverage in addition to other lines of business. Some companies write

primarily accident and health insurance, even if they are licensed as life, fraternal, or

property/casualty entities. Therefore, the Accident and Health Policy Experience Exhibit appears

in all major NAIC financial annual statement blanks (property/casualty, health, life, and

fraternal). The exhibit as it currently exists was added to the NAIC financial annual statement

blanks that were used for reporting 2006 year-end data. The exhibit includes a breakout for

individual and group business.

Report Format

This report contains the following sections:

Aggregated Annual Statement Financial Data

This section reflects data reported in the Accident and Health Policy Experience Exhibit. The

data is aggregated for all financial annual statement types and is then broken out by each

financial annual statement type (property/casualty, health, life, and fraternal). The data is not

available at the state level at this time.

Individual Business

This section contains breakouts of Individual Business market share data. The market share is

based on premiums earned as reported in the Accident and Health Policy Experience Exhibit.

Insurance groups are made up of insurance companies that are related by common

ownership. The market share reports show data by group for those insurers that are a member

of a group. This allows the report to contain a more complete view of the market share

information. The market share data is broken out by statement type and by line of business.

© 2016 National Association of Insurance Commissioners 1

Page 8: 2015 Accident and Health Policy Experience Report · Accounting & Reporting Information about statutory accounting principles and the procedures necessary for fi ling fi nancial

The Individual Business breakouts are:

Market Share for the Top 125 Insurers – This includes total market share, across

all business types, for the top 125 groups.

Top 25 Groups by Company – Individual company data is shown for each of the

top 25 groups.

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

It includes breakouts of separate market share data in each statement type,

including property/casualty, health, life, and fraternal.

Market Share Data by Line of Business – This consists of data broken out by line

of business. It includes a total market share of the top 125 groups. Breakouts are

provided 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

© 2016 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. These data are maintained in NAIC databases and are available for additional

application development. These data are also available for purchase by the public in both

hardcopy and electronic formats.

Aggregation and Calculation of Data

This report utilizes the term “aggregated” to describe data developed by summing the financial

annual statements of individual companies. In order to represent more completely the data as

reported on the financial annual statements, all data are aggregated directly from the numbers

reported to the NAIC.

Definitions

The health insurance industry is broad, and not all terminology carries the same definition. To

avoid ambiguity and to help ensure this report is not misunderstood, some definitions have been

provided. For more definitions within the Accident and Health Policy Experience Exhibit, please

use the NAIC Annual and Quarterly Statement Instructions (for property/casualty, health, life, or

fraternal).

Group Business – Health insurance where the

policy is issued to employers, associations,

trusts, or other groups covering employees,

members and/or their dependents, to whom a

certificate of coverage may be provided.

Individual Business – Health insurance

where the policy is issued to an individual

and covers the individual and/or their

dependents. This includes conversions from

group policies.

Comprehensive/Major Medical – Policies

that provide fully insured indemnity, health

maintenance organization (HMO), preferred

provider organization (PPO), or fee for service

coverage for hospital, medical, and surgical

expenses. This category excludes short-term

medical insurance; the Federal Employees

Health Benefit Program and non-

comprehensive coverage (such as basic

hospital only, medical only, hospital

confinement indemnity, surgical, outpatient

indemnity, specified disease, intensive care,

and organ and tissue transplant coverage); and

any other coverage described in the other

categories of this exhibit.

© 2016 National Association of Insurance Commissioners 3

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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.

© 2016 National Association of Insurance Commissioners 4

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PREMIUMS EARNEDINCURRED CLAIMS

AMOUNTCHANGE IN CONTRACT

RESERVESLOSS

RATIO

2011 $ 248,150,598,691 $ 203,692,230,630 $ 6,811,541,165 84.8%

2012 $ 275,331,003,590 $ 229,077,321,934 $ 7,963,114,454 86.1%

2013 $ 300,898,264,568 $ 252,350,066,953 $ 7,553,211,253 86.4%

2014 $ 360,636,224,687 $ 306,109,705,129 $ 7,992,483,052 87.1%

2015 $ 412,602,069,741 $ 357,036,049,398 $ 7,428,165,908 88.3%

2011-2015 $ 319,523,632,255.40 $ 269,653,074,808.80 $ 7,549,703,166.40 86.8%

Grand Total Group Business

2011 $ 318,544,030,034 $ 260,285,262,066 $ 1,644,917,354 82.2%

2012 $ 319,265,016,462 $ 264,195,307,535 $ 2,091,570,032 83.4%

2013 $ 320,528,048,857 $ 264,137,467,703 $ 2,051,840,442 83.0%

2014 $ 316,229,440,369 $ 257,868,663,588 $ 1,903,725,622 82.1%

2015 $ 324,298,282,294 $ 264,686,347,442 $ 1,147,752,706 82.0%

2011-2015 $ 319,772,963,603.20 $ 262,234,609,666.80 $ 1,767,961,231.20 82.6%

Grand Total Other Business

2011 $ 9,762,385,463 $ 6,763,710,823 $ 12,062,558 69.4%

2012 $ 9,785,579,698 $ 6,838,329,920 $ 2,236,096 69.9%

2013 $ 11,698,910,267 $ 8,232,126,487 $ 4,025,501 70.4%

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

2015 $ 15,153,879,005 $ 11,032,090,530 $ 1,778,848 72.8%

2011-2015 $ 11,955,051,878.80 $ 8,483,144,592.40 $ 3,718,179.40 71.0%

2011 $ 576,457,014,188 $ 470,741,203,519 $ 8,468,521,077 83.1%

2012 $ 604,381,599,750 $ 500,110,959,389 $ 10,056,920,582 84.4%

2013 $ 633,125,223,692 $ 524,719,661,143 $ 9,609,077,196 84.4%

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

2015 $ 761,762,392,293 $ 637,924,688,228 $ 8,863,708,294 84.9%

2011-2015 $ 653,193,279,988.00 $ 541,404,869,239.60 $ 9,378,584,743.40 84.3%

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

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

Grand Total Individual Business

Grand Total (Individual, Group, and Other)

ACCIDENT AND HEALTH POLICY EXPERIENCECOUNTRYWIDE

2011-2015*

© 2016 National Association of Insurance Commissioners 5

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© 2016 National Association of Insurance Commissioners 6

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-

50

100

150

200

250

300

350

400

450

2011 2012 2013 2014 2015Total Per Year 329,045,144 342,371,076 365,950,059 387,885,909 408,073,603

Mill

ions

Years

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

© 2016 National Association of Insurance Commissioners 7

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© 2016 National Association of Insurance Commissioners 8

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-

100

200

300

400

500

600

700

800

900

2011 2012 2013 2014 2015Total Per Year 673,360,197 688,324,821 755,364,415 805,501,558 846,227,928

Mill

ions

Years

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

© 2016 National Association of Insurance Commissioners 9

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© 2016 National Association of Insurance Commissioners 10

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Accident and Health Policy Experience Report

Aggregated Annual Statement Data

© 2016 National Association of Insurance Commissioners 11

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© 2016 National Association of Insurance Commissioners 12

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Aggregated Totals for All Statement Types

Premiums

countrywide

Earned Claims AmountIncurred

Contract ReservesChange in

Loss Ratio ¹or Certificates

Number of Policies

as of Dec 31 as of Dec 31Covered Lives

Number ofMemberMonths

A. INDIVIDUAL BUSINESS1. Comprehensive Major Medical

$19,382,762,5861.1 With contract reserves $18,643,971,040 )$(145,570,679 3,034,480 4,691,122 60,391,80295.44%$38,612,231,3511.2 Without contract reserves $41,582,119,670 $130,951,985 6,242,133 9,341,684 116,787,305108.03%$57,994,993,9381.3 Subtotal $60,226,090,711 )$(14,618,694 9,276,613 14,032,806 177,179,107103.82%

2. Short-Term Medical$1,201,1622.1 With contract reserves $265,765 $11,820 3,193 3,951 46,89323.11%

$159,278,5422.2 Without contract reserves $111,667,176 $0 116,482 144,167 1,470,32170.11%$160,479,7042.3 Subtotal $111,932,941 $11,820 119,675 148,118 1,517,21469.76%

3. Other Medical (Non-Comprehensive)$1,243,463,8663.1 With contract reserves $687,551,926 $47,860,095 2,609,730 4,358,171 50,957,05959.14%

$77,601,7483.2 Without contract reserves $40,674,325 )$(19,124 85,798 115,770 1,402,92852.39%$1,321,065,6133.3 Subtotal $728,226,251 $47,840,971 2,695,528 4,473,941 52,359,98758.75%

4. Specified/Named Disease$3,541,624,5944.1 With contract reserves $1,885,562,850 $491,639,902 7,494,756 13,617,949 154,106,07367.12%

$34,260,3274.2 Without contract reserves $11,030,554 $321,189 249,417 345,339 3,756,51833.13%$3,575,884,9194.3 Subtotal $1,896,593,404 $491,961,091 7,744,173 13,963,288 157,862,59166.80%

5. Limited Benefit$912,936,7095.1 With contract reserves $714,571,656 $33,513,551 339,130 446,080 4,952,07681.94%

$3,309,437,5365.2 Without contract reserves $3,054,016,913 $154,775 523,242 663,135 7,695,90092.29%$4,222,374,2455.3 Subtotal $3,768,588,569 $33,668,326 862,372 1,109,215 12,647,97690.05%

6. Student$6,2436.1 With contract reserves $0 $0 0 0 00.00%

$75,864,5886.2 Without contract reserves $66,311,410 $0 46,496 46,886 1,573,94987.41%$75,870,8316.3 Subtotal $66,311,410 $0 46,496 46,886 1,573,94987.40%

7. Accident Only or AD&D$2,404,071,1377.1 With contract reserves $901,236,041 $81,043,742 9,482,281 14,454,437 156,575,18240.86%

$125,684,3217.2 Without contract reserves $57,600,436 $5,113,959 2,379,861 2,967,097 31,747,75149.90%$2,529,755,4587.3 Subtotal $958,836,478 $86,157,701 11,862,142 17,421,534 188,322,93341.31%

8. Disability Income - Short-Term$2,156,083,3458.1 With contract reserves $1,024,022,666 $47,282,733 3,239,679 3,298,446 38,554,43549.69%

$134,407,1368.2 Without contract reserves $60,572,262 $2,575 344,941 347,119 4,144,82945.07%$2,290,490,4818.3 Subtotal $1,084,594,928 $47,285,308 3,584,620 3,645,565 42,699,26449.42%

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

© 2016 National Association of Insurance Commissioners 13

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

aggregated totals for All Statement Types

Premiums

countrywide

Earned Claims AmountIncurred

Contract ReservesChange in

Loss Ratio ¹or Certificates

Number of Policies

as of Dec 31 as of Dec 31Covered Lives

Number ofMemberMonths

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

$4,720,254,6609.1 With contract reserves $4,005,353,264 )$(115,932,592 3,085,759 3,036,118 37,052,96282.40%$31,318,2499.2 Without contract reserves $23,075,164 )$(20,968 52,334 84,054 911,59873.61%

$4,751,572,9099.3 Subtotal $4,028,428,429 )$(115,953,560 3,138,093 3,120,172 37,964,56082.34%10. Long-Term Care

$9,722,283,81610.1 With contract reserves $9,399,205,741 $6,697,505,168 4,303,140 4,866,220 54,970,561165.57%$490,960,61310.2 Without contract reserves $463,437,440 $61,720,588 40,723 40,723 473,154106.97%

$10,213,244,42910.3 Subtotal $9,862,643,181 $6,759,225,756 4,343,863 4,906,943 55,443,715162.75%11. Medicare Supplement (Medigap)

$10,005,516,99711.1 With contract reserves $7,609,514,155 $87,855,908 4,515,861 4,523,340 52,747,96176.93%$9,504,669,33811.2 Without contract reserves $7,549,941,308 )$(2,219,051 4,380,085 4,399,171 50,685,34979.41%

$19,510,186,33611.3 Subtotal $15,159,455,462 $85,636,857 8,895,946 8,922,511 103,433,31078.14%12. Dental

$1,324,711,03912.1 With contract reserves $930,123,159 $9,511,720 3,722,163 4,339,138 50,959,63970.93%$1,273,189,67112.2 Without contract reserves $831,897,009 )$(6,592 2,807,646 3,886,976 46,812,94565.34%$2,597,900,71012.3 Subtotal $1,762,020,169 $9,505,128 6,529,809 8,226,114 97,772,58468.19%

13. State Children's Health Insurance Program$206,224,50713.1 With contract reserves $186,517,224 )$(1,441,545 162,449 162,449 1,716,18989.74%

$2,351,579,44213.2 Without contract reserves $1,881,472,146 $0 1,176,894 1,204,290 14,860,65380.01%$2,557,803,94913.3 Subtotal $2,067,989,370 )$(1,441,545 1,339,343 1,366,739 16,576,84280.79%

14. Medicare$15,689,381,69114.1 With contract reserves $13,719,276,329 )$(48,744,392 1,613,788 1,592,700 19,249,83187.13%

$121,623,383,67714.2 Without contract reserves $103,869,470,879 $31,325,352 11,631,388 11,688,089 138,716,66785.43%$137,312,765,36814.3 Subtotal $117,588,747,208 )$(17,419,040 13,245,176 13,280,789 157,966,49885.62%

15. Medicaid$19,825,952,03715.1 With contract reserves $17,026,486,468 $33,514,542 4,992,760 4,958,806 55,629,69486.05%

$123,219,145,54415.2 Without contract reserves $104,803,688,790 )$(3,416,842 28,654,550 29,012,923 335,959,25185.05%$143,045,097,58115.3 Subtotal $121,830,175,258 $30,097,700 33,647,310 33,971,729 391,588,94585.19%

16. Medicare Part D - Stand-Alone$931,376,27616.1 With contract reserves $727,140,021 )$(3,796,480 918,305 919,003 10,719,47077.66%

$18,017,306,39816.2 Without contract reserves $13,962,624,342 $0 17,398,401 18,841,802 224,414,59777.50%$18,948,682,67416.3 Subtotal $14,689,764,363 )$(3,796,480 18,316,706 19,760,805 235,134,06777.50%

17. Other Individual Business$775,754,81017.1 With contract reserves $615,369,738 )$(9,482,515 1,103,359 1,373,467 15,131,49878.10%$718,145,77917.2 Without contract reserves $590,281,530 )$(512,918 583,002 946,537 5,855,60882.12%

$1,493,900,58917.3 Subtotal $1,205,651,268 )$(9,995,433 1,686,361 2,320,004 20,987,10680.04%18. Total Individual Business

$92,843,605,47818.1 With contract reserves $78,076,168,047 $7,204,770,980 50,620,833 66,641,397 763,761,32391.85%$319,758,464,26418.2 Without contract reserves $278,959,881,353 $223,394,928 76,713,393 84,075,762 987,269,32487.31%$412,602,069,74119. Grand total individual $357,036,049,398 $7,428,165,908 127,334,226 150,717,159 1,751,030,64688.33%

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

© 2016 National Association of Insurance Commissioners 14

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Aggregated Totals for All Statement Types

Premiums

countrywide

Earned Claims AmountIncurred

Contract ReservesChange in

Loss Ratio ¹or Certificates

Number of Policies

as of Dec 31 as of Dec 31Covered Lives

Number ofMemberMonths

B. GROUP BUSINESSComprehensive Major Medical1. Single Employer1.1 Small employer 7,234,750 13,125,654 158,408,102$61,333,023,278 $48,869,202,822 $21,750,572 79.71%1.2 Other Employer 12,647,929 26,557,918 321,133,680$124,428,710,488 $103,046,978,457 $55,544,675 82.86%1.3 Single employer subtotal 19,882,679 39,683,572 479,541,782$185,761,733,768 $151,916,181,279 $77,295,247 81.82%2. Multiple employer assns and trusts 804,474 1,580,924 19,432,282$7,515,702,744 $6,457,161,492 $7,009,061 86.01%3. Other associations and discretionary trusts 473,700 857,648 11,301,310$2,973,603,369 $2,377,000,411 ($10,568,153) 79.58%4. Other comprehensive major medical 720,965 1,429,271 15,558,679$4,939,903,207 $4,336,186,175 $69,528 87.78%5. Comprehensive/major medical subtotal 21,881,818 43,551,415 525,834,053$201,190,943,087 $165,086,529,357 $73,805,683 82.09%

Other Medical (Non-Comprehensive)6. Specified/named disease 3,125,135 5,972,933 65,945,736$1,183,818,626 $482,609,397 $92,160,981 48.55%7. Limited benefit 12,967,698 48,889,753 574,517,842$4,879,357,863 $3,669,624,198 ($2,478,669) 75.16%8. Student 1,973,525 2,834,670 34,971,163$1,892,495,190 $1,438,695,300 ($21,725) 76.02%9. Accident only or AD&D 103,430,291 199,265,423 2,105,001,945$3,880,977,143 $1,539,810,511 $10,154,389 39.94%10. Disability income - short-term 9,420,707 22,229,012 213,976,293$4,915,902,243 $3,369,668,612 $5,534,303 68.66%11. Disability income - long-term 15,267,933 43,712,702 397,168,338$11,641,561,632 $9,627,819,674 ($11,903,373) 82.60%12. Long-term care 1,233,371 2,546,913 27,507,892$2,280,287,166 $1,211,814,773 $680,238,601 82.97%13. Medicare supplement 2,914,564 3,051,366 36,031,282$6,705,105,516 $5,305,142,865 $30,678,664 79.58%14. Federal Employees Health Benefit Plans 3,299,855 7,689,824 91,952,230$36,863,821,683 $33,477,451,128 $314,276,371 91.67%15. Tricare 15,282 1 12$36,740,143 $37,395,340 $119,586 102.11%16. Dental 20,623,008 61,397,392 598,137,087$21,794,494,160 $16,421,439,834 $874,889 75.35%17. Medicare 1,899,307 1,942,448 22,787,680$20,353,615,020 $18,218,586,687 $1,845,423 89.52%18. Medicare Part D - Stand-Alone 254,917 315,371 3,205,736$652,128,291 $544,471,291 $632,100 83.59%19. Other group care 10,795,799 42,448,124 243,623,323$6,027,034,525 $4,255,288,473 ($48,164,516) 69.80%20. Grand total group business 209,103,210 485,847,346 4,940,660,611$324,298,282,294 $264,686,347,442 $1,147,752,706 81.97%

C. OTHER BUSINESS1. Credit (Individual and Group) 9,413,313 9,901,738 117,921,460$923,674,291 $298,802,120 ($4,360,449) 31.88%2. Stop Loss/Excess Loss 20,003,944 61,549,919 730,765,157$14,230,204,714 $10,733,288,410 $6,139,297 75.47%3. Administrative Services Only 18,243,233 57,958,572 695,030,677XXX XXX XXX XXX4. Administrative Services Contracts 23,975,677 80,253,194 948,377,108XXX XXX XXX XXX5. Grand Total Other Business 71,636,167 209,663,423 2,492,094,402$15,153,879,005 $11,032,090,530 $1,778,848 72.81%

D. TOTAL BUSINESS1. Total Non U.S. Policy Forms 35,529,424 53,777,597 460,808,085$9,708,161,258 $5,170,200,852 $286,010,832 56.20%2. Grand Total Individual, Group & Other Business 443,603,027 900,005,525 9,644,593,745$761,762,392,293 $637,924,688,228 $8,863,708,294 84.91%

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

© 2016 National Association of Insurance Commissioners 15

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Aggregated Totals for All Statement Types

Premiums

countrywide

Earned Claims AmountIncurred

Contract ReservesChange in

Loss Ratio ¹

Part 1 - Individual PoliciesSummary

$412,154,155,8491. U.S. forms direct business $356,674,256,733 $7,467,294,313 88.35%$9,207,254,5162. Other forms direct business $5,054,398,420 $287,519,224 58.02%

$421,361,410,3653. Total direct business $361,728,655,153 $7,754,813,536 87.69%$16,025,373,7854. Reinsurance assumed $14,211,351,428 $1,596,214,467 98.64%$21,881,213,7715. Less reinsurance ceded $27,330,418,994 $3,194,532,823 139.50%

$415,505,570,3836. Total $348,609,587,587 $6,156,495,180 85.38%

Part 2 - Group PoliciesSummary

$339,199,083,8551. U.S. forms direct business $276,291,777,781 $810,974,350 81.69%$808,397,0852. Other forms direct business $503,640,290 )$(999,414 62.18%

$340,007,480,9393. Total direct business $276,795,418,071 $809,974,936 81.65%$15,243,384,7994. Reinsurance assumed $11,770,689,334 )$(20,057,577 77.09%$27,167,146,8745. Less reinsurance ceded $22,025,204,598 $542,856,370 83.07%

$328,083,718,8626. Total $266,540,902,809 $247,060,989 81.32%

Part 3 - Credit Policies (Individual and Group)Summary

$1,400,360,4561. U.S. forms direct business $663,013,688 )$(3,443,497 47.10%$149,745,5412. Other forms direct business $15,884,331 $0 10.61%

$1,550,105,9973. Total direct business $678,898,019 )$(3,443,497 43.57%$128,190,7094. Reinsurance assumed $24,434,567 )$(2,031,045 17.48%$478,583,6285. Less reinsurance ceded $107,111,470 )$(2,155,342 21.93%

$1,199,713,0786. Total $596,221,117 )$(3,319,200 49.42%

Part 4 - All Individual, Group and Credit PoliciesSummary

$752,964,060,0081. U.S. forms direct business $633,807,788,295 $8,274,825,168 85.27%$10,057,560,1512. Other forms direct business $5,499,257,713 $286,519,810 57.53%

$763,021,620,1593. Total direct business $639,307,046,009 $8,561,344,976 84.91%$31,396,949,2944. Reinsurance assumed $26,006,475,329 $1,574,125,845 87.84%$49,528,186,9005. Less reinsurance ceded $49,463,466,237 $3,735,233,849 107.41%

$744,890,382,5506. Total $615,850,055,094 $6,400,236,968 83.54%

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

© 2016 National Association of Insurance Commissioners 16

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Annual Statement Data by Statement Type

© 2016 National Association of Insurance Commissioners 17

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© 2016 National Association of Insurance Commissioners 18

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Aggregated Totals for Life, Accident & Health

Premiums

countrywide

Earned Claims AmountIncurred

Contract ReservesChange in

Loss Ratio ¹or Certificates

Number of Policies

as of Dec 31 as of Dec 31Covered Lives

Number ofMemberMonths

A. INDIVIDUAL BUSINESS1. Comprehensive Major Medical

$2,398,199,7131.1 With contract reserves $2,486,371,933 )$(23,996,208 309,918 503,329 6,298,076102.68%$2,939,404,1871.2 Without contract reserves $3,693,232,988 )$(209,998 341,968 579,876 7,402,179125.64%$5,337,603,9011.3 Subtotal $6,179,604,922 )$(24,206,206 651,886 1,083,205 13,700,255115.32%

2. Short-Term Medical$723,0722.1 With contract reserves $104,254 $11,820 2,582 3,083 36,99616.05%

$99,640,2802.2 Without contract reserves $51,106,103 $0 67,541 80,843 907,58351.29%$100,363,3522.3 Subtotal $51,210,357 $11,820 70,123 83,926 944,57951.04%

3. Other Medical (Non-Comprehensive)$963,026,7603.1 With contract reserves $449,958,085 $47,736,279 2,209,331 3,894,387 45,422,31151.68%

$59,793,4133.2 Without contract reserves $26,439,148 )$(13,740 81,486 110,163 1,327,87044.19%$1,022,820,1733.3 Subtotal $476,397,233 $47,722,539 2,290,817 4,004,550 46,750,18151.24%

4. Specified/Named Disease$3,528,281,7544.1 With contract reserves $1,879,579,985 $489,526,541 7,450,961 13,564,325 153,445,83567.15%

$31,898,7814.2 Without contract reserves $9,757,790 $286,248 227,269 315,660 3,472,14031.49%$3,560,180,5334.3 Subtotal $1,889,337,775 $489,812,789 7,678,230 13,879,985 156,917,97566.83%

5. Limited Benefit$129,347,9705.1 With contract reserves $54,439,495 $33,480,487 251,849 353,182 3,851,22067.97%

$38,510,4905.2 Without contract reserves $14,728,721 $154,775 162,588 242,536 2,756,32638.65%$167,858,4605.3 Subtotal $69,168,216 $33,635,262 414,437 595,718 6,607,54661.24%

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

$988,7016.2 Without contract reserves $789,178 $0 266 266 1,094,96279.82%$988,7016.3 Subtotal $789,178 $0 266 266 1,094,96279.82%

7. Accident Only or AD&D$2,380,647,2867.1 With contract reserves $889,630,091 $80,174,642 9,350,403 14,319,579 155,127,61740.74%

$110,616,8907.2 Without contract reserves $54,097,243 $5,059,587 1,813,999 2,360,302 25,044,83853.48%$2,491,264,1767.3 Subtotal $943,727,335 $85,234,229 11,164,402 16,679,881 180,172,45541.30%

8. Disability Income - Short-Term$2,144,522,3868.1 With contract reserves $1,016,069,758 $46,841,811 3,220,437 3,280,169 38,325,92349.56%

$47,161,0918.2 Without contract reserves $29,108,641 $116,582 140,731 142,645 1,636,03261.97%$2,191,683,4778.3 Subtotal $1,045,178,399 $46,958,393 3,361,168 3,422,814 39,961,95549.83%

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

© 2016 National Association of Insurance Commissioners 19

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Aggregated Totals for Life, Accident & Health

Premiums

countrywide

Earned Claims AmountIncurred

Contract ReservesChange in

Loss Ratio ¹or Certificates

Number of Policies

as of Dec 31 as of Dec 31Covered Lives

Number ofMemberMonths

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

$4,660,017,0629.1 With contract reserves $3,978,591,595 )$(114,974,897 2,971,589 2,921,527 35,665,85282.91%$15,034,2929.2 Without contract reserves $11,165,249 )$(17,805 42,537 74,257 790,67674.15%

$4,675,051,3549.3 Subtotal $3,989,756,845 )$(114,992,702 3,014,126 2,995,784 36,456,52882.88%10. Long-Term Care

$8,855,894,62910.1 With contract reserves $8,081,058,112 $6,007,845,112 3,810,540 4,357,573 48,809,347159.09%$44,659,67710.2 Without contract reserves $50,025,757 $61,720,588 20,324 20,324 242,220250.22%

$8,900,554,30610.3 Subtotal $8,131,083,869 $6,069,565,700 3,830,864 4,377,897 49,051,567159.55%11. Medicare Supplement (Medigap)

$7,219,121,42611.1 With contract reserves $5,475,563,879 $48,417,955 3,259,019 3,262,507 37,556,08276.52%$3,454,445,30111.2 Without contract reserves $2,600,225,553 $29,760 1,706,609 1,709,050 18,473,36175.27%

$10,673,566,72711.3 Subtotal $8,075,789,432 $48,447,715 4,965,628 4,971,557 56,029,44376.12%12. Dental

$339,427,05512.1 With contract reserves $160,957,608 $9,110,208 661,840 983,953 10,659,23650.10%$317,683,79512.2 Without contract reserves $209,034,871 )$(3,365 689,331 997,606 11,288,64565.80%$657,110,85012.3 Subtotal $369,992,480 $9,106,843 1,351,171 1,981,559 21,947,88157.69%

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

$55,515,45213.2 Without contract reserves $43,849,101 $0 35,711 34,933 430,54778.99%$55,515,45213.3 Subtotal $43,849,101 $0 35,711 34,933 430,54778.99%

14. Medicare$430,445,48014.1 With contract reserves $364,087,268 )$(222,334 49,436 49,437 578,32884.53%

$12,170,815,50714.2 Without contract reserves $10,061,057,751 $29,050 1,422,774 1,422,918 16,984,19582.67%$12,601,260,98714.3 Subtotal $10,425,145,019 )$(193,284 1,472,210 1,472,355 17,562,52382.73%

15. Medicaid$015.1 With contract reserves $0 $0 0 0 0N/A

$1,616,553,12015.2 Without contract reserves $1,377,494,632 $0 183,194 183,194 2,079,04085.21%$1,616,553,12015.3 Subtotal $1,377,494,632 $0 183,194 183,194 2,079,04085.21%

16. Medicare Part D - Stand-Alone$717,199,93316.1 With contract reserves $556,661,352 )$(3,678,606 727,008 727,706 8,697,02877.10%

$6,824,547,83916.2 Without contract reserves $5,297,658,471 $0 5,681,926 7,142,965 86,018,73977.63%$7,541,747,77216.3 Subtotal $5,854,319,823 )$(3,678,606 6,408,934 7,870,671 94,715,76777.58%

17. Other Individual Business$326,126,96117.1 With contract reserves $234,370,919 )$(9,384,987 312,038 385,815 3,998,64668.99%$124,314,68217.2 Without contract reserves $90,613,743 )$(6,542 104,737 123,916 1,480,22272.89%$450,441,64317.3 Subtotal $324,984,662 )$(9,391,529 416,775 509,731 5,478,86870.06%

18. Total Individual Business$34,092,981,48818.1 With contract reserves $25,627,444,338 $6,610,887,825 34,586,951 48,606,572 548,472,49594.56%$27,951,583,50018.2 Without contract reserves $23,620,384,940 $67,145,140 12,722,991 15,541,454 181,429,57684.74%$62,044,564,98619. Grand total individual $49,247,829,278 $6,678,032,965 47,309,942 64,148,026 729,902,07090.14%

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

© 2016 National Association of Insurance Commissioners 20

Page 27: 2015 Accident and Health Policy Experience Report · Accounting & Reporting Information about statutory accounting principles and the procedures necessary for fi ling fi nancial

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Aggregated Totals for Life, Accident & Health

Premiums

countrywide

Earned Claims AmountIncurred

Contract ReservesChange in

Loss Ratio ¹or Certificates

Number of Policies

as of Dec 31 as of Dec 31Covered Lives

Number ofMemberMonths

B. GROUP BUSINESSComprehensive Major Medical1. Single Employer1.1 Small employer 1,109,320 2,046,420 25,212,330$9,451,039,320 77.91%$7,362,869,649 $216,7471.2 Other Employer 2,645,362 6,877,489 82,577,660$29,095,739,512 80.64%$23,459,398,795 $3,093,0761.3 Single employer subtotal 3,754,682 8,923,909 107,789,990$38,546,778,833 79.97%$30,822,268,442 $3,309,8232. Multiple employer assns and trusts 38,742 78,692 967,090$283,803,456 77.40%$219,668,229 $513. Other associations and discretionary trusts 392,103 708,275 9,500,261$2,277,100,086 79.72%$1,825,820,726 ($10,568,153)4. Other comprehensive major medical 97,065 337,682 4,130,694$375,362,278 80.09%$300,549,033 $69,5285. Comprehensive/major medical subtotal 4,282,592 10,048,558 122,388,035$41,483,044,653 79.94%$33,168,306,431 ($7,188,751)

Other Medical (Non-Comprehensive)6. Specified/named disease 3,057,125 5,810,455 63,912,599$1,160,722,488 48.32%$468,303,555 $92,566,2777. Limited benefit 10,799,943 22,582,978 262,064,885$2,763,176,312 73.59%$2,035,812,542 ($2,475,717)8. Student 1,068,021 1,120,324 13,716,993$1,437,188,555 76.04%$1,092,837,089 ($21,725)9. Accident only or AD&D 63,302,437 131,759,225 1,300,302,005$3,340,149,399 40.60%$1,346,591,556 $9,521,40910. Disability income - short-term 9,376,046 21,840,865 213,614,758$4,815,510,445 68.90%$3,312,939,533 $4,788,87011. Disability income - long-term 15,242,403 43,681,071 396,788,756$11,630,432,142 82.55%$9,611,340,839 ($10,924,303)12. Long-term care 991,760 2,305,302 24,617,112$2,093,498,082 74.37%$1,117,041,306 $439,994,16713. Medicare supplement 2,419,237 2,535,871 29,935,186$5,367,993,994 79.63%$4,246,281,078 $28,206,16214. Federal Employees Health Benefit Plans 97,668 208,321 2,844,053$691,806,077 80.97%$560,042,905 $123,17215. Tricare 1 1 12$879 104.21%$791 $12516. Dental 8,829,997 30,376,444 238,537,684$12,311,884,523 74.96%$9,228,500,325 $64,22217. Medicare 159 159 1,956$680,973 122.82%$836,353 $018. Medicare Part D - Stand-Alone 25,054 84,631 518,212$104,534,967 72.34%$75,076,266 $547,84219. Other group care 5,395,113 11,882,154 127,064,028$2,667,177,831 61.42%$1,686,883,438 ($48,783,794)20. Grand total group business 124,887,556 284,236,358 2,796,306,273$89,867,801,325 76.18%$67,950,794,011 $506,417,955

C. OTHER BUSINESS1. Credit (Individual and Group) 5,816,142 6,304,567 74,718,627$763,236,800 36.18%$280,490,713 ($4,360,449)2. Stop Loss/Excess Loss 14,501,802 44,505,199 531,778,278$9,633,223,041 74.45%$7,172,181,004 ($501,731)3. Administrative Services Only 10,226,155 40,898,086 491,007,545XXX XXXXXX XXX4. Administrative Services Contracts 25,478 2,159,567 24,739,294XXX XXXXXX XXX5. Grand Total Other Business 30,569,577 93,867,419 1,122,243,744$10,396,459,841 71.64%$7,452,671,717 ($4,862,180)

D. TOTAL BUSINESS1. Total Non U.S. Policy Forms 30,405,571 40,840,486 339,803,042$9,266,344,099 56.57%$4,956,284,480 $286,110,2002. Grand Total Individual, Group & Other Business 233,172,646 483,092,289 4,988,255,130$171,575,170,250 79.89%$129,607,579,488 $7,465,698,940

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

© 2016 National Association of Insurance Commissioners 21

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Aggregated Totals for Life, Accident & Health

Premiums

countrywide

Earned Claims AmountIncurred

Contract ReservesChange in

Loss Ratio ¹

Part 1 - Individual PoliciesSummary

$61,920,733,8491. U.S. forms direct business $49,186,834,170 $6,651,091,530 90.18%$8,850,445,1842. Other forms direct business $4,751,810,042 $287,627,522 56.94%

$70,771,179,0333. Total direct business $53,938,644,212 $6,938,719,051 86.02%$9,213,172,0724. Reinsurance assumed $8,532,374,575 $1,545,875,293 109.39%

$13,125,442,5895. Less reinsurance ceded $14,319,292,766 $3,142,342,053 133.04%$66,858,908,5216. Total $48,151,726,019 $5,342,252,291 80.01%

Part 2 - Group PoliciesSummary

$99,553,407,1371. U.S. forms direct business $75,138,681,613 $507,230,596 75.99%$448,996,5512. Other forms direct business $332,331,758 )$(999,414 73.79%

$100,002,403,6883. Total direct business $75,471,013,371 $506,231,182 75.98%$9,905,074,8784. Reinsurance assumed $7,922,071,914 $24,531,792 80.23%

$18,612,420,3955. Less reinsurance ceded $15,386,559,126 $562,732,622 85.69%$91,295,058,1706. Total $68,006,526,158 )$(31,969,648 74.46%

Part 3 - Credit Policies (Individual and Group)Summary

$782,365,9691. U.S. forms direct business $281,836,098 )$(3,440,364 35.58%$121,473,9032. Other forms direct business $10,663,780 $0 8.78%$903,839,8723. Total direct business $292,499,878 )$(3,440,364 31.98%$107,646,0224. Reinsurance assumed $21,231,337 )$(2,031,045 17.84%$302,781,7635. Less reinsurance ceded $54,740,242 )$(2,155,342 17.37%$708,704,1316. Total $258,990,974 )$(3,316,067 36.08%

Part 4 - All Individual, Group and Credit PoliciesSummary

$162,309,545,9511. U.S. forms direct business $124,643,239,864 $7,154,881,764 81.20%$9,367,876,6422. Other forms direct business $5,058,917,699 $286,628,108 57.06%

$171,677,422,5933. Total direct business $129,702,157,564 $7,441,509,870 79.88%$19,225,892,9734. Reinsurance assumed $16,475,677,827 $1,568,376,040 93.85%$32,040,644,7475. Less reinsurance ceded $29,760,592,134 $3,702,919,331 104.44%

$158,862,670,8186. Total $116,417,243,250 $5,306,966,575 76.62%

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

© 2016 National Association of Insurance Commissioners 22

Page 29: 2015 Accident and Health Policy Experience Report · Accounting & Reporting Information about statutory accounting principles and the procedures necessary for fi ling fi nancial

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Aggregated Totals for Health

Premiums

countrywide

Earned Claims AmountIncurred

Contract ReservesChange in

Loss Ratio ¹or Certificates

Number of Policies

as of Dec 31 as of Dec 31Covered Lives

Number ofMemberMonths

A. INDIVIDUAL BUSINESS1. Comprehensive Major Medical

$16,979,095,0531.1 With contract reserves $16,151,149,047 )$(123,028,852 2,722,924 4,185,438 54,064,60494.40%$35,657,138,8871.2 Without contract reserves $37,874,705,382 $131,161,983 5,895,779 8,757,254 109,323,438106.59%$52,636,233,9401.3 Subtotal $54,025,854,429 $8,133,131 8,618,703 12,942,692 163,388,042102.66%

2. Short-Term Medical$478,0902.1 With contract reserves $161,511 $0 611 868 9,89733.78%

$57,026,8672.2 Without contract reserves $59,365,987 $0 33,412 46,549 535,514104.10%$57,504,9572.3 Subtotal $59,527,498 $0 34,023 47,417 545,411103.52%

3. Other Medical (Non-Comprehensive)$193,282,4023.1 With contract reserves $192,958,507 )$(208,322 29,336 33,759 352,23299.72%

$510,8023.2 Without contract reserves $7,242 $0 1,851 2,709 33,3671.42%$193,793,2043.3 Subtotal $192,965,749 )$(208,322 31,187 36,468 385,59999.47%

4. Specified/Named Disease$6,512,3194.1 With contract reserves $3,727,678 $613,593 13,821 23,494 282,76666.66%$1,148,7244.2 Without contract reserves $683,896 $0 4,114 5,384 68,71059.54%$7,661,0434.3 Subtotal $4,411,574 $613,593 17,935 28,878 351,47665.59%

5. Limited Benefit$782,128,4265.1 With contract reserves $659,978,722 $31,809 85,903 91,520 1,085,90484.39%

$3,268,630,4445.2 Without contract reserves $3,037,364,877 $0 280,412 340,355 4,017,67292.92%$4,050,758,8705.3 Subtotal $3,697,343,599 $31,809 366,315 431,875 5,103,57691.28%

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

$74,875,8876.2 Without contract reserves $65,522,232 $0 46,230 46,620 478,98787.51%$74,875,8876.3 Subtotal $65,522,232 $0 46,230 46,620 478,98787.51%

7. Accident Only or AD&D$844,8497.1 With contract reserves $206,510 $34,519 10,335 10,929 132,10728.53%

$3,981,0697.2 Without contract reserves $294,528 $0 428,834 428,834 5,077,0517.40%$4,825,9187.3 Subtotal $501,038 $34,519 439,169 439,763 5,209,15811.10%

8. Disability Income - Short-Term$3,348,3138.1 With contract reserves $1,996,039 $82,160 1,143 1,147 20,73662.07%

$08.2 Without contract reserves $0 $0 0 0 0N/A$3,348,3138.3 Subtotal $1,996,039 $82,160 1,143 1,147 20,73662.07%

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

© 2016 National Association of Insurance Commissioners 23

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Aggregated Totals for Health

Premiums

countrywide

Earned Claims AmountIncurred

Contract ReservesChange in

Loss Ratio ¹or Certificates

Number of Policies

as of Dec 31 as of Dec 31Covered Lives

Number ofMemberMonths

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

$8,842,7229.1 With contract reserves $9,945,818 $2,430,119 33,364 33,470 401,065139.96%$09.2 Without contract reserves $0 $0 0 0 0N/A

$8,842,7229.3 Subtotal $9,945,818 $2,430,119 33,364 33,470 401,065139.96%10. Long-Term Care

$28,999,96610.1 With contract reserves $49,434,703 $19,782,795 18,450 18,814 212,644238.68%$446,173,64510.2 Without contract reserves $413,129,175 $0 20,269 20,269 229,51292.59%$475,173,61110.3 Subtotal $462,563,878 $19,782,795 38,719 39,083 442,156101.51%

11. Medicare Supplement (Medigap)$2,255,048,03711.1 With contract reserves $1,740,805,939 $42,269,226 1,046,964 1,048,546 12,539,32279.07%$6,013,689,95811.2 Without contract reserves $4,924,950,846 )$(2,248,811 2,662,578 2,679,223 32,076,96581.86%$8,268,737,99511.3 Subtotal $6,665,756,784 $40,020,415 3,709,542 3,727,769 44,616,28781.10%

12. Dental$985,283,98412.1 With contract reserves $769,165,551 $401,512 3,060,323 3,355,185 40,300,40378.11%$940,685,99312.2 Without contract reserves $614,259,653 )$(3,227 2,082,522 2,853,569 35,158,76265.30%

$1,925,969,97712.3 Subtotal $1,383,425,204 $398,285 5,142,845 6,208,754 75,459,16571.85%13. State Children's Health Insurance Program

$206,224,50713.1 With contract reserves $186,517,224 )$(1,441,545 162,449 162,449 1,716,18989.74%$2,296,063,99013.2 Without contract reserves $1,837,623,045 $0 1,141,183 1,169,357 14,430,10680.03%$2,502,288,49713.3 Subtotal $2,024,140,269 )$(1,441,545 1,303,632 1,331,806 16,146,29580.83%

14. Medicare$15,208,874,65514.1 With contract reserves $13,318,044,323 )$(48,531,673 1,546,197 1,525,108 18,436,76687.25%

$109,452,254,95714.2 Without contract reserves $93,808,215,108 $31,296,302 10,208,601 10,265,158 121,732,29985.74%$124,661,129,61214.3 Subtotal $107,126,259,431 )$(17,235,371 11,754,798 11,790,266 140,169,06585.92%

15. Medicaid$19,825,952,03715.1 With contract reserves $17,026,486,468 $33,514,542 4,992,760 4,958,806 55,629,69486.05%

$121,602,592,42415.2 Without contract reserves $103,426,194,158 )$(3,416,842 28,471,356 28,829,729 333,880,21185.05%$141,428,544,46115.3 Subtotal $120,452,680,626 $30,097,700 33,464,116 33,788,535 389,509,90585.19%

16. Medicare Part D - Stand-Alone$214,176,34316.1 With contract reserves $170,478,669 )$(117,874 191,297 191,297 2,022,44279.54%

$11,192,758,55916.2 Without contract reserves $8,664,965,871 $0 11,716,475 11,698,837 138,395,85877.42%$11,406,934,90216.3 Subtotal $8,835,444,540 )$(117,874 11,907,772 11,890,134 140,418,30077.46%

17. Other Individual Business$434,035,40017.1 With contract reserves $366,943,979 $85,444 679,138 694,084 8,421,75484.56%$537,911,15417.2 Without contract reserves $491,074,360 $0 160,821 218,247 2,315,79791.29%$971,946,55417.3 Subtotal $858,018,339 $85,444 839,959 912,331 10,737,55188.29%

18. Total Individual Business$57,133,127,10518.1 With contract reserves $50,648,000,688 )$(74,082,547 14,595,015 16,334,914 195,628,52588.52%

$291,545,443,36118.2 Without contract reserves $255,218,356,359 $156,789,405 63,154,437 67,362,094 797,754,24987.59%$348,678,570,46719. Grand total individual $305,866,357,045 $82,706,858 77,749,452 83,697,008 993,382,77487.75%

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

© 2016 National Association of Insurance Commissioners 24

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Aggregated Totals for Health

Premiums

countrywide

Earned Claims AmountIncurred

Contract ReservesChange in

Loss Ratio ¹or Certificates

Number of Policies

as of Dec 31 as of Dec 31Covered Lives

Number ofMemberMonths

B. GROUP BUSINESSComprehensive Major Medical1. Single Employer1.1 Small employer 6,071,888 10,942,972 131,646,892$21,533,825$41,073,643,759 79.99%$51,377,895,4551.2 Other Employer 9,980,445 19,618,550 237,817,417$52,451,599$79,274,911,479 83.49%$95,013,664,8171.3 Single employer subtotal 16,052,333 30,561,522 369,464,309$73,985,424$120,348,555,241 82.26%$146,391,560,2732. Multiple employer assns and trusts 765,732 1,502,232 18,462,949$7,009,010$6,239,706,032 86.39%$7,231,104,7623. Other associations and discretionary trusts 80,572 148,090 1,788,655$0$550,235,126 79.17%$695,028,9364. Other comprehensive major medical 623,764 1,082,501 11,318,627$0$4,000,727,073 88.35%$4,528,236,8785. Comprehensive/major medical subtotal 17,522,401 33,294,345 401,034,540$80,994,434$131,139,223,471 82.61%$158,845,930,849

Other Medical (Non-Comprehensive)6. Specified/named disease 37,650 76,674 1,025,143($407,938)$10,513,099 60.48%$16,709,3737. Limited benefit 2,078,539 26,147,284 311,252,345$15,055$1,588,339,924 79.36%$2,001,497,7138. Student 202,847 1,003,461 12,023,426$0$299,617,144 80.17%$373,710,4199. Accident only or AD&D 496,836 498,372 5,894,869$201,024$9,096,481 65.62%$14,168,14310. Disability income - short-term 2,389 4,073 58,163$0$242,460 26.92%$900,57411. Disability income - long-term 0 0 0($979,070)$1,246,295 25.08%$1,065,41412. Long-term care 13,753 13,753 161,196$17,517,259$18,077,783 192.28%$18,511,96713. Medicare supplement 495,324 515,409 6,095,562$2,484,561$1,058,731,061 79.38%$1,336,950,13214. Federal Employees Health Benefit Plans 3,202,186 7,481,502 89,108,165$314,153,199$32,917,409,188 91.87%$36,172,014,85215. Tricare 15,281 0 0$119,461$37,394,549 102.11%$36,739,26416. Dental 11,729,119 30,926,643 358,849,089$810,667$7,153,873,713 76.15%$9,395,679,01117. Medicare 1,899,148 1,942,289 22,785,724$1,845,423$18,217,665,774 89.52%$20,352,934,04718. Medicare Part D - Stand-Alone 229,188 230,065 2,679,748$84,258$466,765,766 85.73%$544,533,06319. Other group care 2,707,872 6,301,243 77,222,766$619,278$1,837,814,632 93.38%$1,968,811,66420. Grand total group business 40,632,533 108,435,113 1,288,190,736$417,457,611$194,756,011,338 84.46%$231,080,156,486

C. OTHER BUSINESS1. Credit (Individual and Group) 1 1 12$0$2,932 51.58%$5,6842. Stop Loss/Excess Loss 4,625,343 8,933,961 106,696,385($371,324)$2,799,067,919 77.75%$3,599,675,8853. Administrative Services Only 8,017,078 17,060,486 204,023,132XXXXXX XXXXXX4. Administrative Services Contracts 23,950,199 78,093,627 923,637,814XXXXXX XXXXXX5. Grand Total Other Business 36,592,621 104,088,075 1,234,357,343($371,324)$2,799,070,851 77.75%$3,599,681,569

D. TOTAL BUSINESS1. Total Non U.S. Policy Forms 20,964 138,591 1,235,619$0$110,690,968 63.76%$173,600,5672. Grand Total Individual, Group & Other Business 154,995,570 296,358,787 3,517,166,472$499,793,145$503,532,130,204 86.38%$583,532,009,086

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

© 2016 National Association of Insurance Commissioners 25

Page 32: 2015 Accident and Health Policy Experience Report · Accounting & Reporting Information about statutory accounting principles and the procedures necessary for fi ling fi nancial

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Aggregated Totals for Health

Premiums

countrywide

Earned Claims AmountIncurred

Contract ReservesChange in

Loss Ratio ¹

Part 1 - Individual PoliciesSummary

$348,253,108,2421. U.S. forms direct business $305,512,440,482 $148,182,751 87.77%$270,953,3532. Other forms direct business $269,269,757 $0 99.38%

$348,524,061,5953. Total direct business $305,781,710,239 $148,182,751 87.78%$4,700,233,0094. Reinsurance assumed $4,243,621,226 $4,822,683 90.39%$7,448,073,9005. Less reinsurance ceded $12,142,995,968 $26,585,875 163.39%

$345,776,220,7056. Total $297,882,335,497 $126,419,559 86.19%

Part 2 - Group PoliciesSummary

$235,547,442,4981. U.S. forms direct business $198,561,162,303 $77,619,001 84.33%$19,327,2292. Other forms direct business $15,207,653 $0 78.69%

$235,566,769,7273. Total direct business $198,576,369,956 $77,619,001 84.33%$2,741,134,3794. Reinsurance assumed $2,214,510,368 $1,649,858 80.85%$5,758,756,2655. Less reinsurance ceded $4,999,070,863 $14,263,543 87.06%

$232,549,147,8396. Total $195,791,809,462 $65,005,316 84.22%

Part 3 - Credit Policies (Individual and Group)Summary

$457,560,2041. U.S. forms direct business $362,979,155 $0 79.33%$02. Other forms direct business $0 $0 N/A

$457,560,2043. Total direct business $362,979,155 $0 79.33%$19,196,4554. Reinsurance assumed $2,996,284 $0 15.61%$42,065,4545. Less reinsurance ceded $40,061,347 $0 95.24%

$434,691,2056. Total $325,914,092 $0 74.98%

Part 4 - All Individual, Group and Credit PoliciesSummary

$584,360,733,8031. U.S. forms direct business $504,540,656,602 $225,801,752 86.38%$290,280,5822. Other forms direct business $284,477,410 $0 98.00%

$584,651,014,3853. Total direct business $504,825,134,012 $225,801,752 86.39%$7,460,563,8434. Reinsurance assumed $6,461,127,878 $6,472,541 86.69%

$13,250,138,2455. Less reinsurance ceded $17,182,859,355 $40,849,418 129.99%$578,861,439,9836. Total $494,103,402,534 $191,424,875 85.39%

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

© 2016 National Association of Insurance Commissioners 26

Page 33: 2015 Accident and Health Policy Experience Report · Accounting & Reporting Information about statutory accounting principles and the procedures necessary for fi ling fi nancial

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Aggregated Totals for Property/Casualty

Premiums

countrywide

Earned Claims AmountIncurred

Contract ReservesChange in

Loss Ratio ¹or Certificates

Number of Policies

as of Dec 31 as of Dec 31Covered Lives

Number ofMemberMonths

A. INDIVIDUAL BUSINESS1. Comprehensive Major Medical

$1,879,1851.1 With contract reserves $2,034,844 $920,963 749 1,342 16,816157.29%$15,625,0581.2 Without contract reserves $14,126,326 $0 4,380 4,546 61,59290.41%$17,504,2431.3 Subtotal $16,161,170 $920,963 5,129 5,888 78,40897.59%

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

$2,611,3952.2 Without contract reserves $1,195,086 $0 15,529 16,775 27,22445.76%$2,611,3952.3 Subtotal $1,195,086 $0 15,529 16,775 27,22445.76%

3. Other Medical (Non-Comprehensive)$83,927,5993.1 With contract reserves $42,463,220 $573,284 361,352 417,133 5,023,10851.28%$17,288,2603.2 Without contract reserves $14,224,261 )$(243 2,234 2,664 38,86982.28%

$101,215,8583.3 Subtotal $56,687,481 $573,041 363,586 419,797 5,061,97756.57%4. Specified/Named Disease

$494,7614.1 With contract reserves $106,043 $8,398 484 619 6,99023.13%$359,8344.2 Without contract reserves $68,137 $0 837 1,121 13,82818.94%$854,5954.3 Subtotal $174,180 $8,398 1,321 1,740 20,81821.36%

5. Limited Benefit$1,0015.1 With contract reserves )$(309 )$(483 2 2 30(79.12)%

$2,296,6025.2 Without contract reserves $1,923,315 $0 80,242 80,244 921,90283.75%$2,297,6035.3 Subtotal $1,923,006 )$(483 80,244 80,246 921,93283.68%

6. Student$6,2436.1 With contract reserves $0 $0 0 0 00.00%

$06.2 Without contract reserves $0 $0 0 0 0N/A$6,2436.3 Subtotal $0 $0 0 0 00.00%

7. Accident Only or AD&D$274,7747.1 With contract reserves $46,635 )$(433 9,377 10,216 124,20016.81%

$8,738,6617.2 Without contract reserves $2,693,054 $21,076 88,337 125,860 1,032,74031.06%$9,013,4357.3 Subtotal $2,739,689 $20,643 97,714 136,076 1,156,94030.62%

8. Disability Income - Short-Term$6,063,1638.1 With contract reserves $3,592,749 $1,420,331 8,148 8,148 96,83382.68%

$86,025,8118.2 Without contract reserves $30,827,490 )$(24,965 201,348 201,612 2,474,65835.81%$92,088,9748.3 Subtotal $34,420,239 $1,395,366 209,496 209,760 2,571,49138.89%

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

© 2016 National Association of Insurance Commissioners 27

Page 34: 2015 Accident and Health Policy Experience Report · Accounting & Reporting Information about statutory accounting principles and the procedures necessary for fi ling fi nancial

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Aggregated Totals for Property/Casualty

Premiums

countrywide

Earned Claims AmountIncurred

Contract ReservesChange in

Loss Ratio ¹or Certificates

Number of Policies

as of Dec 31 as of Dec 31Covered Lives

Number ofMemberMonths

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

$4,672,7679.1 With contract reserves $559,325 $528,740 3,143 3,143 36,92323.29%$16,283,4919.2 Without contract reserves $12,054,746 )$(3,163 9,795 9,795 120,89874.01%$20,956,2589.3 Subtotal $12,614,071 $525,577 12,938 12,938 157,82162.70%

10. Long-Term Care$575,289,51410.1 With contract reserves $926,166,362 $444,859,815 318,029 318,029 3,882,194238.32%

$125,26810.2 Without contract reserves $324,543 $0 128 128 1,392259.08%$575,414,78210.3 Subtotal $926,490,905 $444,859,815 318,157 318,157 3,883,586238.32%

11. Medicare Supplement (Medigap)$345,038,87411.1 With contract reserves $257,655,524 $60,439 142,309 142,361 1,803,68574.69%

$24,109,53911.2 Without contract reserves $16,202,803 $0 6,950 6,950 87,67367.20%$369,148,41411.3 Subtotal $273,858,327 $60,439 149,259 149,311 1,891,35874.20%

12. Dental$012.1 With contract reserves $0 $0 0 0 0N/A

$14,819,88312.2 Without contract reserves $8,602,485 $0 35,793 35,801 365,53858.05%$14,819,88312.3 Subtotal $8,602,485 $0 35,793 35,801 365,53858.05%

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$7,82614.1 With contract reserves $6,698 $0 22 22 26485.59%

$313,21314.2 Without contract reserves $198,020 $0 13 13 17363.22%$321,03914.3 Subtotal $204,718 $0 35 35 43763.77%

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$15,115,04317.1 With contract reserves $13,827,387 )$(2,557 97,306 277,772 2,506,62491.46%$50,612,86917.2 Without contract reserves $5,330,397 $0 307,400 593,875 1,936,33710.53%$65,727,91217.3 Subtotal $19,157,784 )$(2,557 404,706 871,647 4,442,96129.14%

18. Total Individual Business$1,032,770,75018.1 With contract reserves $1,246,458,478 $448,368,497 940,921 1,178,787 13,497,667164.10%

$239,209,88518.2 Without contract reserves $107,770,663 )$(7,295 752,986 1,079,384 7,082,82445.05%$1,271,980,63519. Grand total individual $1,354,229,141 $448,361,202 1,693,907 2,258,171 20,580,491141.72%

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

© 2016 National Association of Insurance Commissioners 28

Page 35: 2015 Accident and Health Policy Experience Report · Accounting & Reporting Information about statutory accounting principles and the procedures necessary for fi ling fi nancial

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Aggregated Totals for Property/Casualty

Premiums

countrywide

Earned Claims AmountIncurred

Contract ReservesChange in

Loss Ratio ¹or Certificates

Number of Policies

as of Dec 31 as of Dec 31Covered Lives

Number ofMemberMonths

B. GROUP BUSINESSComprehensive Major Medical1. Single Employer1.1 Small employer 53,542 136,262 1,548,88085.84%$0$432,689,414$504,088,5031.2 Other Employer 22,122 61,879 738,60397.92%$0$312,668,183$319,306,1591.3 Single employer subtotal 75,664 198,141 2,287,48390.52%$0$745,357,596$823,394,6622. Multiple employer assns and trusts 0 0 2,243(278.50)%$0($2,212,769)$794,5263. Other associations and discretionary trusts 1,025 1,283 12,39464.07%$0$944,559$1,474,3474. Other comprehensive major medical 136 9,088 109,35896.16%$0$34,910,069$36,304,0515. Comprehensive/major medical subtotal 76,825 208,512 2,411,47890.37%$0$778,999,455$861,967,585

Other Medical (Non-Comprehensive)6. Specified/named disease 30,360 85,804 1,007,99459.43%$2,642$3,792,743$6,386,7657. Limited benefit 89,216 159,491 1,200,61239.63%($18,007)$45,471,732$114,683,8388. Student 702,657 710,885 9,230,74456.67%$0$46,241,067$81,596,2169. Accident only or AD&D 39,631,018 67,007,826 798,805,07135.04%$431,956$184,103,709$526,659,60110. Disability income - short-term 42,272 384,074 303,37257.37%$745,433$56,328,296$99,491,22411. Disability income - long-term 25,530 31,631 379,582151.36%$0$15,232,540$10,064,07612. Long-term care 227,858 227,858 2,729,584177.93%$222,727,175$76,695,684$168,277,11713. Medicare supplement 3 86 53473.53%($12,059)$130,726$161,39014. Federal Employees Health Benefit Plans 1 1 12(127.98)%$0($965)$75415. Tricare 0 0 0N/A$0$0$016. Dental 63,892 94,305 750,31444.94%$0$39,065,796$86,930,62617. Medicare 0 0 0N/A$0$84,560$018. Medicare Part D - Stand-Alone 675 675 7,77685.92%$0$2,629,259$3,060,26119. Other group care 2,692,814 24,264,727 39,336,52952.52%$0$730,590,403$1,391,045,03020. Grand total group business 43,583,121 93,175,875 856,163,60265.76%$223,877,140$1,979,365,005$3,350,324,483

C. OTHER BUSINESS1. Credit (Individual and Group) 3,597,170 3,597,170 43,202,82111.41%$0$18,308,475$160,431,8072. Stop Loss/Excess Loss 876,794 8,108,227 92,259,69977.23%$7,012,352$760,855,314$994,232,7783. Administrative Services Only 0 0 0XXXXXXXXXXXX4. Administrative Services Contracts 0 0 0XXXXXXXXXXXX5. Grand Total Other Business 4,473,964 11,705,397 135,462,52068.09%$7,012,352$779,163,789$1,154,664,585

D. TOTAL BUSINESS1. Total Non U.S. Policy Forms 5,097,146 12,792,780 119,701,15538.89%$0$102,868,206$264,502,2752. Grand Total Individual, Group & Other Business 54,848,138 119,932,223 1,131,907,76881.02%$679,250,694$4,215,626,143$6,041,471,977

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

© 2016 National Association of Insurance Commissioners 29

Page 36: 2015 Accident and Health Policy Experience Report · Accounting & Reporting Information about statutory accounting principles and the procedures necessary for fi ling fi nancial

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Aggregated Totals for Property/Casualty

Premiums

countrywide

Earned Claims AmountIncurred

Contract ReservesChange in

Loss Ratio ¹

Part 1 - Individual PoliciesSummary

$1,373,283,9851. U.S. forms direct business $1,407,286,887 $448,340,322 135.12%$82,081,0632. Other forms direct business $32,925,741 $0 40.11%

$1,455,365,0483. Total direct business $1,440,212,628 $448,340,322 129.76%$2,111,968,7044. Reinsurance assumed $1,435,355,627 $45,516,491 70.12%$1,176,654,2335. Less reinsurance ceded $768,359,800 $21,255,549 67.11%$2,390,679,5176. Total $2,107,208,457 $472,601,264 107.91%

Part 2 - Group PoliciesSummary

$4,095,161,2101. U.S. forms direct business $2,590,572,604 $226,124,753 68.78%$340,073,3052. Other forms direct business $156,100,879 $0 45.90%

$4,435,234,5143. Total direct business $2,746,673,483 $226,124,753 67.03%$2,597,175,5424. Reinsurance assumed $1,634,107,052 )$(46,239,227 61.14%$2,795,779,3285. Less reinsurance ceded $1,639,574,609 )$(34,139,795 57.42%$4,236,630,7296. Total $2,741,205,928 $214,025,321 69.75%

Part 3 - Credit Policies (Individual and Group)Summary

$160,431,8071. U.S. forms direct business $18,197,956 $0 11.34%$28,271,6382. Other forms direct business $5,220,551 $0 18.47%

$188,703,4453. Total direct business $23,418,507 $0 12.41%$1,348,2324. Reinsurance assumed $206,946 $0 15.35%

$133,736,4115. Less reinsurance ceded $12,309,881 $0 9.20%$56,315,2666. Total $11,315,572 $0 20.09%

Part 4 - All Individual, Group and Credit PoliciesSummary

$5,683,674,9951. U.S. forms direct business $4,054,834,895 $674,465,075 83.21%$395,628,0112. Other forms direct business $155,469,724 $0 39.30%

$6,079,303,0063. Total direct business $4,210,304,619 $674,465,075 80.35%$4,710,492,4784. Reinsurance assumed $3,069,669,624 )$(722,736 65.15%$4,106,169,9735. Less reinsurance ceded $2,420,244,288 )$(12,884,246 58.63%$6,683,625,5096. Total $4,859,729,956 $686,626,585 82.98%

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

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Aggregated Totals for Fraternal

Premiums

countrywide

Earned Claims AmountIncurred

Contract ReservesChange in

Loss Ratio ¹or Certificates

Number of Policies

as of Dec 31 as of Dec 31Covered Lives

Number ofMemberMonths

A. INDIVIDUAL BUSINESS1. Comprehensive Major Medical1.1 With contract reserves 889 1,013 12,306$3,588,635 $4,415,216 137.90%$533,4181.2 Without contract reserves 6 8 96$63,219 $54,974 86.96%$01.3 Subtotal 895 1,021 12,402$3,651,854 $4,470,190 137.02%$533,4182. 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 9,711 12,892 159,408$3,227,105 $2,172,114 59.84%($241,146)3.2 Without contract reserves 227 234 2,822$9,273 $3,674 (15.82)%($5,141)3.3 Subtotal 9,938 13,126 162,230$3,236,378 $2,175,788 59.62%($246,287)4. Specified/Named Disease4.1 With contract reserves 29,490 29,511 370,482$6,335,760 $2,149,144 57.46%$1,491,3704.2 Without contract reserves 17,197 23,174 201,840$852,988 $520,731 65.14%$34,9414.3 Subtotal 46,687 52,685 572,322$7,188,748 $2,669,875 58.37%$1,526,3115. Limited Benefit5.1 With contract reserves 1,376 1,376 14,922$1,459,312 $153,748 10.65%$1,7385.2 Without contract reserves 0 0 0$0 $0 N/A$05.3 Subtotal 1,376 1,376 14,922$1,459,312 $153,748 10.65%$1,7386. 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 112,166 113,713 1,191,258$22,304,228 $11,352,805 54.64%$835,0147.2 Without contract reserves 48,691 52,101 593,122$2,347,701 $515,611 23.38%$33,2967.3 Subtotal 160,857 165,814 1,784,380$24,651,929 $11,868,416 51.67%$868,3108. Disability Income - Short-Term8.1 With contract reserves 9,951 8,982 110,943$2,149,483 $2,364,120 60.60%($1,061,569)8.2 Without contract reserves 2,862 2,862 34,139$1,220,234 $636,131 44.83%($89,042)8.3 Subtotal 12,813 11,844 145,082$3,369,717 $3,000,251 54.89%($1,150,611)

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

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Aggregated Totals for Fraternal

Premiums

countrywide

Earned Claims AmountIncurred

Contract ReservesChange in

Loss Ratio ¹or Certificates

Number of Policies

as of Dec 31 as of Dec 31Covered Lives

Number ofMemberMonths

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

$46,722,1099.1 With contract reserves $16,256,526 )$(3,916,554 77,663 77,978 949,12226.41%$4669.2 Without contract reserves )$(144,831 $0 2 2 24(31,079.61)%

$46,722,5759.3 Subtotal $16,111,695 )$(3,916,554 77,665 77,980 949,14626.10%10. Long-Term Care

$262,099,70710.1 With contract reserves $342,546,564 $225,017,446 156,121 171,804 2,066,376216.55%$2,02310.2 Without contract reserves )$(42,035 $0 2 2 30(2,077.85)%

$262,101,73010.3 Subtotal $342,504,529 $225,017,446 156,123 171,806 2,066,406216.53%11. Medicare Supplement (Medigap)

$186,308,66011.1 With contract reserves $135,488,813 )$(2,891,712 67,569 69,926 848,87271.17%$12,424,54011.2 Without contract reserves $8,562,106 $0 3,948 3,948 47,35068.91%

$198,733,20011.3 Subtotal $144,050,919 )$(2,891,712 71,517 73,874 896,22271.03%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$50,053,73014.1 With contract reserves $37,138,040 $9,615 18,133 18,133 234,47374.22%

$014.2 Without contract reserves $0 $0 0 0 0N/A$50,053,73014.3 Subtotal $37,138,040 $9,615 18,133 18,133 234,47374.22%

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$477,40617.1 With contract reserves $227,453 )$(180,415 14,877 15,796 204,4749.85%

$5,307,07417.2 Without contract reserves $3,263,030 )$(506,376 10,044 10,499 123,25251.94%$5,784,48017.3 Subtotal $3,490,483 )$(686,791 24,921 26,295 327,72648.47%

18. Total Individual Business$584,726,13518.1 With contract reserves $554,264,543 $219,597,205 497,946 521,124 6,162,636132.35%

$22,227,51818.2 Without contract reserves $13,369,391 )$(532,322 82,979 92,830 1,002,67557.75%$606,953,65319. Grand total individual $567,633,934 $219,064,883 580,925 613,954 7,165,311129.61%

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

© 2016 National Association of Insurance Commissioners 32

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Aggregated Totals for Fraternal

Premiums

countrywide

Earned Claims AmountIncurred

Contract ReservesChange in

Loss Ratio ¹or Certificates

Number of Policies

as of Dec 31 as of Dec 31Covered Lives

Number ofMemberMonths

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

Other Medical (Non-Comprehensive)6. Specified/named disease 0 0 0$0$0 N/A$07. Limited benefit 0 0 0$0$0 N/A$08. Student 0 0 0$0$0 N/A$09. Accident only or AD&D 0 0 0$0$18,765 N/A$010. Disability income - short-term 0 0 0$0$158,323 N/A$011. Disability income - long-term 0 0 0$0$0 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$177,088 N/A$0

C. OTHER BUSINESS1. Credit (Individual and Group) 0 0 0$0$0 N/A$02. Stop Loss/Excess Loss 5 2,532 30,795$0$1,184,173 38.53%$3,073,0103. Administrative Services Only 0 0 0XXXXXX XXXXXX4. Administrative Services Contracts 0 0 0XXXXXX XXXXXX5. Grand Total Other Business 5 2,532 30,795$0$1,184,173 38.53%$3,073,010

D. TOTAL BUSINESS1. Total Non U.S. Policy Forms 5,743 5,740 68,269($99,368)$357,198 6.94%$3,714,3172. Grand Total Individual, Group & Other Business 586,673 622,226 7,264,375$218,965,515$569,352,393 128.44%$613,740,980

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

© 2016 National Association of Insurance Commissioners 33

Page 40: 2015 Accident and Health Policy Experience Report · Accounting & Reporting Information about statutory accounting principles and the procedures necessary for fi ling fi nancial

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Aggregated Totals for Fraternal

Premiums

countrywide

Earned Claims AmountIncurred

Contract ReservesChange in

Loss Ratio ¹

Part 1 - Individual PoliciesSummary

$607,029,7731. U.S. forms direct business $567,695,194 $219,679,710 129.71%$3,774,9162. Other forms direct business $392,880 )$(108,298 7.54%

$610,804,6893. Total direct business $568,088,074 $219,571,412 128.95%$04. Reinsurance assumed $0 $0 N/A

$131,043,0495. Less reinsurance ceded $99,770,460 $4,349,346 79.45%$479,761,6406. Total $468,317,614 $215,222,066 142.47%

Part 2 - Group PoliciesSummary

$3,073,0101. U.S. forms direct business $1,361,261 $0 44.30%$02. Other forms direct business $0 $0 N/A

$3,073,0103. Total direct business $1,361,261 $0 44.30%$04. Reinsurance assumed $0 $0 N/A

$190,8865. Less reinsurance ceded $0 $0 0.00%$2,882,1246. Total $1,361,261 $0 47.23%

Part 3 - Credit Policies (Individual and Group)Summary

$2,4761. U.S. forms direct business $479 )$(3,133 (107.19)%$02. Other forms direct business $0 $0 N/A

$2,4763. Total direct business $479 )$(3,133 (107.19)%$04. Reinsurance assumed $0 $0 N/A$05. Less reinsurance ceded $0 $0 N/A

$2,4766. Total $479 )$(3,133 (107.19)%

Part 4 - All Individual, Group and Credit PoliciesSummary

$610,105,2591. U.S. forms direct business $569,056,934 $219,676,577 129.28%$3,774,9162. Other forms direct business $392,880 )$(108,298 7.54%

$613,880,1753. Total direct business $569,449,814 $219,568,279 128.53%$04. Reinsurance assumed $0 $0 N/A

$131,233,9355. Less reinsurance ceded $99,770,460 $4,349,346 79.34%$482,646,2406. Total $469,679,354 $215,218,933 141.90%

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

© 2016 National Association of Insurance Commissioners 34

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Accident and Health Policy Experience Report

Individual Business

© 2016 National Association of Insurance Commissioners 35

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© 2016 National Association of Insurance Commissioners 36

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Market Share for the Top 125 Insurers

Individual Business

© 2016 National Association of Insurance Commissioners 37

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© 2016 National Association of Insurance Commissioners 38

Page 45: 2015 Accident and Health Policy Experience Report · Accounting & Reporting Information about statutory accounting principles and the procedures necessary for fi ling fi nancial

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share for All Statement Types

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

$62,546,507,885 14,987,932UNITEDHEALTH GRP7071 14,684,90482.36% 15.16% 15.16%$40,026,636,627 10,322,696HUMANA GRP1192 9,466,89385.19% 9.70% 24.86%$28,527,202,550 7,044,308ANTHEM INC GRP6713 6,543,38982.64% 6.91% 31.77%$26,183,601,835 5,701,661AETNA GRP14 5,370,08183.50% 6.35% 38.12%$18,982,154,784 4,284,502CENTENE CORP GRP12955 4,255,17687.86% 4.60% 42.72%$12,221,575,923 3,566,991WELLCARE GRP11996 3,566,99184.51% 2.96% 45.68%$12,024,243,578 2,913,228MOLINA HEALTHCARE INC GRP15317 2,862,91882.22% 2.91% 48.60%$11,091,171,932 3,422,817HCSC GRP9178 2,652,183105.59% 2.69% 51.29%$10,075,659,041 2,946,106CIGNA HLTH GRP9019 1,090,94086.93% 2.44% 53.73%

$9,642,698,735 1,956,912INDEPENDENCE HLTH GRP INC GRP93610 1,887,88391.17% 2.34% 56.06%$6,793,199,194 1,328,830CARESOURCE GRP368311 1,310,35185.12% 1.65% 57.71%$6,568,612,991 1,178,982HIGHMARK GRP81212 1,167,52498.11% 1.59% 59.30%$5,687,749,410 1,170,498BCBS OF NJ GRP120213 1,110,14886.83% 1.38% 60.68%$5,184,321,886 1,069,289GUIDEWELL MUT HOLDING GRP53614 816,39985.04% 1.26% 61.94%$4,659,906,416 19,498,517AFLAC GRP37015 10,307,10255.96% 1.13% 63.07%$4,178,590,252 1,019,624BCBS OF NC INC5463116 783,01294.13% 1.01% 64.08%$3,973,847,451 948,532BCBS OF TN GRP349817 854,60191.60% 0.96% 65.04%$3,585,857,836 690,667UPMC HLTH SYSTEM GRP132418 686,61189.31% 0.87% 65.91%$3,579,768,007 500,442UCARE GRP438019 497,01990.78% 0.87% 66.78%$3,244,211,935 746,065BCBS OF MI GRP57220 635,27592.48% 0.79% 67.57%$3,233,784,090 759,662CAIDAN ENTERPRISES INC GRP464021 759,66286.34% 0.78% 68.35%$3,089,622,473 469,187EMBLEM HLTH GRP112722 434,31491.59% 0.75% 69.10%$3,050,700,245 483,352KAISER FOUNDATION GRP60123 401,059108.04% 0.74% 69.84%$2,898,511,461 3,515,637CVS CAREMARK GRP466724 3,513,36770.45% 0.70% 70.54%$2,743,293,473 668,629BCBS OF MN GRP46125 589,91796.56% 0.66% 71.21%$2,713,599,432 1,929,970MUTUAL OF OMAHA GRP26126 1,776,12776.85% 0.66% 71.86%$2,661,174,485 402,592MEDICA GRP155227 391,74889.55% 0.64% 72.51%$2,536,038,978 381,999TUFTS GRP474228 376,92189.49% 0.61% 73.12%$2,459,376,805 1,133,618GENWORTH FIN GRP401129 1,037,713130.79% 0.60% 73.72%$2,450,146,909 3,571,819UNUMPROVIDENT CORP GRP56530 3,571,819106.55% 0.59% 74.31%$2,101,134,015 418,702LIFETIME HLTHCARE GRP118631 410,39393.86% 0.51% 74.82%$2,024,347,492 129,761HEALTHFIRST INC GRP477832 129,76185.96% 0.49% 75.31%$1,912,459,374 644,035TRIPLE S GRP480233 620,13086.39% 0.46% 75.78%

© 2016 National Association of Insurance Commissioners 39

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share for All Statement Types

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

$1,875,000,406 335,169NEIGHBORHOOD HLTH PLAN INC1110934 331,583100.45% 0.45% 76.23%$1,865,649,713 437,010CARE 1ST HEALTH PLAN1514335 437,01081.56% 0.45% 76.68%$1,792,103,985 324,034CAMBIA HEALTH SOLUTIONS INC120736 270,56792.62% 0.43% 77.12%$1,744,633,928 292,769GEISINGER INS GRP114337 284,41386.23% 0.42% 77.54%$1,710,236,240 1,718,453ASSURANT INC GRP1938 1,526,586136.03% 0.41% 77.95%$1,699,314,833 1,437,110CNO FINANCIAL GRP23339 1,181,96393.84% 0.41% 78.37%$1,656,424,912 281,029UNIVERSITY HLTH CARE INC5262140 281,02991.31% 0.40% 78.77%$1,652,637,968 227,103HEALTH NET INC GRP62341 188,048111.09% 0.40% 79.17%$1,651,703,067 993,945NORTHWESTERN MUT GRP86042 993,94562.85% 0.40% 79.57%$1,596,621,593 307,801BOSTON MEDICAL CENTER HLTH PLAN INC1320343 307,80189.67% 0.39% 79.96%$1,596,405,584 262,271HEALTH PARTNERS PLANS INC9506644 262,27179.31% 0.39% 80.34%$1,566,308,276 564,260BCBS OF AL GRP57045 450,872104.00% 0.38% 80.72%$1,556,025,603 203,955MEDICAL CARD SYSTEM INC GRP130146 196,76688.11% 0.38% 81.10%$1,524,215,377 273,486PRESBYTERIAN HLTHCARE SERV GRP48147 303,26881.41% 0.37% 81.47%$1,458,005,696 290,295SPECTRUM HLTH GRP338348 263,33885.38% 0.35% 81.82%$1,444,536,344 515,134ARKANSAS BCBS GRP87649 382,28088.12% 0.35% 82.17%$1,389,563,525 605,311JOHN HANCOCK GRP90450 605,232118.20% 0.34% 82.51%$1,371,921,280 164,211UNIVERSAL AMER FIN CORP GRP95351 160,42681.99% 0.33% 82.84%$1,308,297,401 170,400INDEPENDENT HLTH ASSN9530852 169,09995.54% 0.32% 83.16%$1,300,042,397 508,920CAREFIRST INC GRP38053 345,60898.88% 0.32% 83.47%$1,286,799,986 406,229INDIANA UNIVERSITY HLTH GRP463754 406,22988.15% 0.31% 83.78%$1,255,667,474 376,998BCBS OF MA GRP363755 355,25196.71% 0.30% 84.09%$1,212,521,000 208,878HEALTHPARTNERS GRP125856 184,51188.49% 0.29% 84.38%$1,167,148,698 244,803VANGUARD HLTH VENTURES GRP121257 243,95982.61% 0.28% 84.67%$1,132,075,567 285,850PREMERA BLUE CROSS GRP96258 201,099101.10% 0.27% 84.94%$1,074,832,062 742,256METROPOLITAN GRP24159 286,414155.13% 0.26% 85.20%$1,065,311,421 311,447COMMUNITY HLTH PLAN OF WA4704960 311,44788.72% 0.26% 85.46%$1,064,215,199 219,034HAWAII MEDICAL SERV ASSN4994861 212,69187.01% 0.26% 85.72%$1,045,567,784 353,851BCBS OF SC GRP66162 288,33084.24% 0.25% 85.97%$1,023,319,705 449,760WELLMARK INC GRP77063 393,33090.92% 0.25% 86.22%$1,014,240,505 178,013NEIGHBORHOOD HLTH PLAN OF RI INC9540264 178,01386.17% 0.25% 86.46%

$962,963,811 3,547,413TORCHMARK CORP GRP29065 2,429,00164.48% 0.23% 86.70%$957,733,349 391,746TEXAS CHILDRENS HLTH PLAN INC9532966 391,74688.58% 0.23% 86.93%

© 2016 National Association of Insurance Commissioners 40

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share for All Statement Types

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

$939,211,448 161,920CDPHP INC GRP470867 160,61889.68% 0.23% 87.16%$920,972,031 231,783LOUISIANA HLTH SERV GRP43868 169,29698.61% 0.22% 87.38%$920,381,288 207,320SENTARA HLTH MGMT GRP118369 207,32897.53% 0.22% 87.60%$903,373,411 283,434IHC INC GRP88070 206,722129.52% 0.22% 87.82%$882,968,511 140,775HENRY FORD HLTH SYSTEM GRP131171 134,19382.31% 0.21% 88.04%$855,319,830 292,928COMMUNITY HLTH CHOICE INC9561572 280,74589.07% 0.21% 88.24%$846,372,499 1,340,038AEGON US HOLDING GRP46873 953,030202.71% 0.21% 88.45%$811,956,280 68,431AMERICAS 1ST CHOICE GRP475574 68,43172.87% 0.20% 88.65%$809,580,029 27,062ELDERPLAN INC9566275 27,06285.55% 0.20% 88.84%$807,456,190 86,929HEALTH NOW NY INC5520476 84,08088.60% 0.20% 89.04%$786,752,301 2,576,963MCNA GRP473077 2,576,96380.29% 0.19% 89.23%$774,221,817 171,857CARLE HOLDING CO GRP119278 163,94397.15% 0.19% 89.42%$771,647,029 106,117GROUP HLTH COOP GRP118579 91,45894.10% 0.19% 89.60%$763,695,771 113,066MVP GRP119880 101,55791.92% 0.19% 89.79%$746,479,359 130,840SECURITY HLTH PLAN OF WI INC9688181 122,44388.21% 0.18% 89.97%$723,267,230 378,088GUARDIAN LIFE GRP42982 353,74690.34% 0.18% 90.14%$713,659,340 114,562PROVIDENCE HLTH GRP478883 100,50098.39% 0.17% 90.32%$710,447,936 0PEOPLES HLTH INC1360784 085.00% 0.17% 90.49%$695,673,043 0HEALTH SUN HLTH PLANS1012285 087.94% 0.17% 90.66%$693,087,913 867,763STATE FARM GRP17686 811,48891.73% 0.17% 90.83%$691,713,538 328,475MASS MUT LIFE INS GRP43587 341,985109.32% 0.17% 90.99%$687,477,279 325,398BLUE CROSS OF ID GRP129088 298,78396.58% 0.17% 91.16%$683,908,050 130,019BCBS OF RI5347389 116,86288.45% 0.17% 91.33%$654,635,615 174,712OREGON DENTAL GRP131390 117,311118.36% 0.16% 91.48%$650,259,767 200,220BCBS OF AZ INC5358991 135,74299.99% 0.16% 91.64%$648,639,628 60,028FALLON GRP474192 57,98883.67% 0.16% 91.80%$647,812,624 204,966MEDICAL MUT OF OH GRP73093 124,97895.25% 0.16% 91.96%$636,291,989 104,299NETWORK HLTH GRP267894 103,57291.79% 0.15% 92.11%$579,735,283 520,952EXPRESS SCRIPTS HOLDING GRP481395 520,95287.22% 0.14% 92.25%$556,014,918 52,849ESSENCE GRP459796 52,84977.32% 0.13% 92.39%$538,830,910 308,671BCBS OF KS GRP43097 261,974103.08% 0.13% 92.52%$537,409,214 45,752MAGELLAN HLTH INC GRP126098 45,75294.87% 0.13% 92.65%$531,182,284 207,893PARKLAND COMM HLTH PLAN INC9541499 384.05% 0.13% 92.78%

© 2016 National Association of Insurance Commissioners 41

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share for All Statement Types

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

$523,473,193 50,479CHE TRINITY INC GRP2838100 50,47990.24% 0.13% 92.90%$516,665,979 46,929VIVA HLTH INC95322101 46,87987.26% 0.13% 93.03%$503,623,269 0CHUBB LTD GRP626102 057.97% 0.12% 93.15%$496,344,849 95,914BAYSTATE HLTH GRP4756103 94,66696.71% 0.12% 93.27%$484,168,954 230,841FAMILY HLTH NETWORK GRP4843104 230,84193.07% 0.12% 93.39%$473,879,198 45,551AVMED INC95263105 39,20789.47% 0.11% 93.50%$467,631,215 0MEDISUN INC95982106 089.34% 0.11% 93.62%$451,156,607 30,210HEALTHPLUS OF MI GRP3409107 18,96596.56% 0.11% 93.72%$446,559,370 146,482CAPITAL BLUE CROSS GRP1230108 158,37485.37% 0.11% 93.83%$436,279,529 144,010DRISCOLL CHILDRENS HLTH PLAN95809109 144,01093.41% 0.11% 93.94%$431,499,772 161,624BCBS OF NE77780110 131,816102.27% 0.10% 94.04%$424,787,864 404,377ENVISION INS CO12747111 404,37795.32% 0.10% 94.15%$398,030,570 178,860PRINCIPAL FIN GRP332112 178,86063.98% 0.10% 94.24%$383,166,853 119,026BCBS OF KC GRP537113 91,12699.66% 0.09% 94.34%$374,502,382 205,296EQUITABLE LIFE & CAS INS CO62952114 194,02882.75% 0.09% 94.43%$371,529,033 52,437PACIFICSOURCE HLTH PLAN GRP4704115 47,008103.44% 0.09% 94.52%$370,357,222 105,031WISCONSIN PHYSICIANS SERV INS GRP68116 92,26297.94% 0.09% 94.61%$367,191,171 92,947ROCKY MOUNTAIN HLTH GRP1184117 83,679109.90% 0.09% 94.70%$364,725,574 108,549DEAN HLTH GRP1294118 95,236100.40% 0.09% 94.78%$361,942,241 338,931PHYSICIANS MUT GRP367119 303,08281.17% 0.09% 94.87%$360,276,563 72,128TOTAL HLTH GRP1238120 69,42781.70% 0.09% 94.96%$356,133,748 245,256AMERIPRISE FIN GRP4121 245,256151.17% 0.09% 95.05%$354,062,184 103,494SCOTT & WHITE GRP600122 93,06989.24% 0.09% 95.13%$343,651,363 109,530FIRSTCARE GRP3549123 107,54386.04% 0.08% 95.21%$341,769,551 39,751HEALTH FIRST GRP4740124 36,57184.25% 0.08% 95.30%$332,244,245 131,676COMMUNITY FIRST GRP2738125 131,16987.75% 0.08% 95.38%

$412,602,069,741 150,717,159GRAND TOTAL 127,334,22688.33% 100.00%

© 2016 National Association of Insurance Commissioners 42

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Top 25 Groups by Company

Individual Business

© 2016 National Association of Insurance Commissioners 43

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© 2016 National Association of Insurance Commissioners 44

Page 51: 2015 Accident and Health Policy Experience Report · Accounting & Reporting Information about statutory accounting principles and the procedures necessary for fi ling fi nancial

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share for All Statement Types

Top 25 Groups by Company

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code as of Dec 31 as of Dec 31Covered Lives

Number of

Rank Group/Company Name

Group

$62,546,507,885 14,987,93214,684,904UNITEDHEALTH GRP7071 82.36% 15.16%$630,890,553 163,959103,312ALL SAVERS INS CO82406 116.99%

$0 00AMERICHOICE OF CT INC13178 N/A$2,388,190,102 482,976482,976AMERICHOICE OF NJ INC95497 81.40%$1,297,747,830 98,55498,554CARE IMPROVEMENT PLUS OF TX INS CO12558 82.74%$3,290,318,830 259,612259,612CARE IMPROVEMENT PLUS S CENTRAL INS12567 84.16%

$67,891,108 7,6287,628CARE IMPROVEMENT PLUS WI INS CO14041 83.04%$221,452,536 216,340136,475GOLDEN RULE INS CO62286 72.87%

)$(107,294 00HEALTH NET INS CO NY INC43893 0.00%$1,561,981,973 334,258323,871HEALTH PLAN OF NV96342 84.59%

$1,924 00MD INDIVIDUAL PRACTICE ASSN INC96310 219.59%)$(156,380 00MEDICA HLTH PLANS OF FL INC12756 0.00%

$523,122,361 35,81035,810MEDICA HLTHCARE PLANS INC12155 87.18%$44,433 401224NATIONAL PACIFIC DENTAL INC95251 67.71%

$263 00NEIGHBORHOOD HLTH PARTNERSHIP INC95123 (6,745.25)%$1,274,447 4,6482,736NEVADA PACIFIC DENTAL INC95758 72.37%

$96,655,864 4,30611,514OXFORD HLTH INS INC78026 66.15%$423,788,442 37,43137,431OXFORD HLTH PLANS CT INC96798 73.48%$877,720,319 95,42290,709OXFORD HLTH PLANS NJ INC95506 81.66%$957,327,431 90,81483,724OXFORD HLTH PLANS NY INC95479 83.09%

$11,591,188 4,3254,325PACIFICARE LIFE & HLTH INS CO70785 77.11%$0 00PACIFICARE LIFE ASSUR CO84506 N/A

$965,542,635 96,76996,769PACIFICARE OF AZ INC95617 80.97%$975,392,529 100,480100,480PACIFICARE OF CO INC95434 77.31%$129,133,787 14,36714,367PACIFICARE OF NV INC95685 87.37%$375,413,858 27,74227,742PHYSICIANS HLTH CHOICE OF TX LLC11494 86.18%$732,373,483 59,58559,585PREFERRED CARE PARTNERS INC11176 80.64%$305,610,196 54,12740,597SIERRA HLTH & LIFE INS CO INC71420 79.13%

$6,539,778 00UNISON HLTH PLAN OF THE CAPITAL AREA13032 (6.47)%$920,904,287 305,945300,053UNITED HLTH CARE OF MS INC95716 86.15%

$1,038,311,447 436,979454,808UNITED HLTHCARE INS CO OF NY60093 82.52%

© 2016 National Association of Insurance Commissioners 45

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share for All Statement Types

Top 25 Groups by Company

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code as of Dec 31 as of Dec 31Covered Lives

Number of

Rank Group/Company Name

Group

$852,628,515 169,103168,387UNITED HLTHCARE MID ATLANTIC INC950251 96.72%$453,511,757 54,74350,005UNITED HLTHCARE OF AL INC95784 77.49%

$442,763 00UNITED HLTHCARE OF AR INC95446 (4.85)%$146,787,032 14,94014,938UNITED HLTHCARE OF AZ INC96016 74.10%

$0 00UNITED HLTHCARE OF CO INC95090 N/A$2,810,479,697 461,630421,317UNITED HLTHCARE OF FL INC95264 95.48%

$143,433,702 19,80516,238UNITED HLTHCARE OF GA INC95850 96.52%$21,184 42UNITED HLTHCARE OF KY LTD96644 183.97%

$1,029,550,868 348,057339,929UNITED HLTHCARE OF LA INC95833 85.60%$287,519,412 69,69469,694UNITED HLTHCARE OF MIDLANDS INC95591 82.41%

$1,565,748,661 195,134194,809UNITED HLTHCARE OF MIDWEST INC96385 81.04%$664,299,885 57,22656,145UNITED HLTHCARE OF OH INC95186 75.46%$430,333,713 48,32748,327UNITED HLTHCARE OF UT INC95501 83.75%

$2,615,740,379 203,740203,740UNITEDHEALTHCARE BENEFITS OF TX INC95174 83.38%$1,229,688,501 260,553258,804UNITEDHEALTHCARE COMM PLAN INC95467 78.10%$2,150,581,753 290,732290,732UNITEDHEALTHCARE COMM PLAN OF OH INC12323 76.54%$2,125,692,912 241,299241,299UNITEDHEALTHCARE COMM PLAN OF TX LLC11141 82.43%

$14,475,527,282 7,148,9497,145,047UNITEDHEALTHCARE INS CO79413 79.08%$412,398,503 150,65598,530UNITEDHEALTHCARE LIFE INS CO97179 132.00%

$4,451 11UNITEDHEALTHCARE OF IL INC95776 440.42%$1,151,683,606 131,511116,286UNITEDHEALTHCARE OF NC INC95103 82.18%

$768,801,978 109,146108,844UNITEDHEALTHCARE OF NEW ENGLAND INC95149 82.38%$919,169,774 86,53986,539UNITEDHEALTHCARE OF NM INC13214 82.84%

$3,025,440,871 573,621570,394UNITEDHEALTHCARE OF NY INC95085 81.27%$252,092,280 24,83224,832UNITEDHEALTHCARE OF OR INC95893 80.15%

$1,121,683,386 274,509266,080UNITEDHEALTHCARE OF PA INC95220 81.48%$73,753 76UNITEDHEALTHCARE OF TX INC95765 98.08%

$1,267,486,694 262,864262,864UNITEDHEALTHCARE OF WA INC48038 84.36%$1,323,329,951 241,895241,875UNITEDHEALTHCARE OF WI INC95710 77.55%$3,224,196,393 588,555588,555UNITEDHEALTHCARE PLAN OF THE RIVER V95378 77.55%

$299,200,299 27,38327,383UNITEDHEATHCARE OF OK INC96903 80.08%

© 2016 National Association of Insurance Commissioners 46

Page 53: 2015 Accident and Health Policy Experience Report · Accounting & Reporting Information about statutory accounting principles and the procedures necessary for fi ling fi nancial

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share for All Statement Types

Top 25 Groups by Company

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code as of Dec 31 as of Dec 31Covered Lives

Number of

Rank Group/Company Name

Group

$40,026,636,627 10,322,6969,466,893HUMANA GRP1192 85.19% 9.70%$71,088,854 7,8707,870ARCADIAN HLTH PLAN INC12151 92.07%

$1,754,018,668 115,666115,666CAREPLUS HLTH PLANS INC95092 76.60%$1,167,087,763 114,248114,248CARITEN HLTH PLAN INC95754 86.28%

$77,647,916 11,44211,442CHA HMO INC95158 90.47%$15,276,987 141,91694,657COMPBENEFITS CO52015 36.08%

$6,095,483 39,06526,802COMPBENEFITS DENTAL INC11228 38.17%$3,626,851 23,17015,455COMPBENEFITS INS CO60984 78.89%$8,094,182 44,19629,950DENTICARE INC95161 30.93%

$456,273,796 48,64748,647HUMANA BENEFIT PLAN OF IL INC60052 85.76%$1,700,824,255 331,027234,237HUMANA EMPLOYERS HLTH PLAN GA INC95519 101.24%$1,420,676,521 149,374142,763HUMANA HLTH BENEFIT PLAN OF LA INC95642 84.36%

$42,634,418 5,3675,367HUMANA HLTH CO OF NY INC13558 90.96%$125,447,246 29,35421,764HUMANA HLTH INS CO OF FL INC69671 81.24%

$5,580,425,631 648,973494,587HUMANA HLTH PLAN INC95885 87.48%$413,398,882 50,79047,924HUMANA HLTH PLAN OF OH INC95348 95.12%

$1,274,222,660 187,466158,387HUMANA HLTH PLAN OF TX INC95024 95.36%$365,046,539 43,85543,703HUMANA HLTH PLANS OF PR95721 89.45%

$16,389,782,008 6,608,7686,346,059HUMANA INS CO73288 83.28%$9,470,793 4,4534,453HUMANA INS CO OF KY60219 75.57%

$226,985,234 151,705150,121HUMANA INS CO OF NY12634 80.83%$14,432,351 8,0728,072HUMANA INS CO OF PR INC84603 75.39%

$7,949,459,177 1,032,683952,215HUMANA MEDICAL PLAN INC95270 82.76%$80,787,733 17,01113,614HUMANA MEDICAL PLAN OF MI INC14224 81.68%$35,181,157 4,3324,332HUMANA MEDICAL PLAN OF PA INC14462 82.06%$68,842,860 17,34713,344HUMANA MEDICAL PLAN OF UT INC12908 92.37%$22,027,345 2,4392,439HUMANA REGIONAL HLTH PLAN INC12282 92.90%

$379,891,364 41,80841,808HUMANA WI HLTH ORG INS CORP95342 90.98%$70,804,416 230,260165,227HUMANADENTAL INS CO70580 57.63%

$211,239,603 26,10626,106INDEPENDENT CARE HLTH PLAN11695 80.07%

© 2016 National Association of Insurance Commissioners 47

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share for All Statement Types

Top 25 Groups by Company

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code as of Dec 31 as of Dec 31Covered Lives

Number of

Rank Group/Company Name

Group

$82,219,508 173,200116,726KANAWHA INS CO651102 201.48%$3,626,426 12,0868,908THE DENTAL CONCERN INC54739 48.23%

$28,527,202,550 7,044,3086,543,389ANTHEM INC GRP6713 82.64% 6.91%$20,242,656 2,3072,307AMERIGROUP COMM CARE OF NM INC12354 81.72%

$1,309,826,166 392,725392,725AMERIGROUP FL INC95093 88.49%$491,869,709 126,145126,145AMERIGROUP INS CO14078 86.41%

$1,004,910,689 129,758129,758AMERIGROUP KS INC14276 84.41%$506,310,526 171,924171,924AMERIGROUP LA INC14064 86.24%$946,669,564 253,305253,305AMERIGROUP MD INC95832 85.98%

$1,208,185,986 208,564208,564AMERIGROUP NJ INC95373 78.24%$560,027,828 182,844182,844AMERIGROUP NV INC12586 79.94%

$81,374 00AMERIGROUP OH INC DBA COMM CARE10767 (816.08)%$1,688,405,217 426,813426,813AMERIGROUP TN INC12941 80.75%$3,611,046,103 688,065688,065AMERIGROUP TX INC95314 83.05%

$509,567,902 143,146143,146AMERIGROUP WASHINGTON INC14073 82.18%$1,202,841,864 380,922380,922AMGP GA MANAGED CARE CO INC12229 78.00%

$843,872,603 353,340283,430ANTHEM BLUE CROSS LIFE & HLTH INS CO62825 77.77%$425,234,943 105,24085,605ANTHEM HLTH PLANS INC60217 88.05%$610,708,533 228,564177,548ANTHEM HLTH PLANS OF KY INC95120 78.41%$152,280,494 43,37935,680ANTHEM HLTH PLANS OF ME INC52618 86.94%$134,356,132 41,64637,531ANTHEM HLTH PLANS OF NH53759 76.75%$536,148,777 231,210187,771ANTHEM HLTH PLANS OF VA INC71835 73.06%

$3,049,624,424 863,593822,693ANTHEM INS CO INC28207 82.22%$490,396,578 95,08295,082ANTHEM KY MANAGED CARE PLAN INC15543 71.89%

$3,448 1919ANTHEM LIFE INS CO61069 86.98%$367,718,650 99,90965,279BCBS HLTHCARE PLAN OF GA INC96962 92.08%$272,125,766 80,47473,834BCBS OF GA INC54801 67.18%

$95,138,514 35,94233,222BCBS OF WI54003 64.30%$268,049,800 95,51795,517BETTER HLTH INC15480 87.73%$199,825,532 15,98615,986CAREMORE HLTH PLAN OF AZ INC13562 79.97%

© 2016 National Association of Insurance Commissioners 48

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share for All Statement Types

Top 25 Groups by Company

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code as of Dec 31 as of Dec 31Covered Lives

Number of

Rank Group/Company Name

Group

$83,775,860 6,4726,472CAREMORE HLTH PLAN OF NV136053 81.78%$1,687,234,380 274,127238,892COMMUNITY INS CO10345 81.98%

$284,387,929 104,00597,998COMPCARE HLTH SERV INS CORP95693 87.49%$511,821,340 74,06674,062EMPIRE HEALTHCHOICE ASSUR INC55093 86.06%

$1,019,989,542 134,701112,116EMPIRE HEALTHCHOICE HMO INC95433 91.38%$2,122,054,309 474,952407,572HEALTHKEEPERS INC95169 87.77%

$421,403,789 152,089110,912HEALTHY ALLIANCE LIFE INS CO78972 79.42%$106,061,598 28,72319,189HMO CO INC95473 96.49%

$14,786,365 2,0972,093HMO MO INC95358 72.74%$114,935,637 27,75419,130MATTHEW THORTON HLTH PLAN INC95527 72.94%$315,399,767 118,45689,300ROCKY MOUNTAIN HOSPITAL & MEDICAL11011 80.78%$987,385,051 116,224116,224SIMPLY HLTHCARE PLANS INC13726 79.07%$314,670,030 126,548126,548UNICARE HLTH PLAN OF WV INC11810 83.98%

$37,827,175 7,6757,166UNICARE LIFE & HLTH INS CO80314 62.36%

$26,183,601,835 5,701,6615,370,081AETNA GRP14 83.50% 6.35%$783,077,887 20,04020,040AETNA BETTER HLTH INC14229 88.75%$180,946,342 38,23838,238AETNA BETTER HLTH INC15616 94.34%

$1,360,105,176 180,530180,530AETNA BETTER HLTH INC14043 93.49%$0 00AETNA BETTER HLTH INC13174 N/A

$849,001,663 189,576189,576AETNA BETTER HLTH INC13735 78.90%$68,489,786 18,57818,578AETNA BETTER HLTH INC15611 94.11%

$282,652,074 48,09448,094AETNA BETTER HLTH OF MI INC12193 80.05%$70,541,085 83,51683,516AETNA BETTER HLTH OF TX INC95040 79.70%$21,212,030 7,3435,014AETNA HEALTH INC LA95173 164.26%$58,073,317 61,33361,333AETNA HLTH & LIFE INS CO78700 72.06%

$226,593,901 49,97637,096AETNA HLTH INC95241 95.02%$211,320,437 22,62722,627AETNA HLTH INC CT CORP95935 83.25%$758,132,734 107,13294,389AETNA HLTH INC FL CORP95088 81.91%$239,042,614 77,71251,013AETNA HLTH INC GA CORP95094 103.44%

$59,064,095 7,6657,557AETNA HLTH INC ME CORP95517 83.66%

© 2016 National Association of Insurance Commissioners 49

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share for All Statement Types

Top 25 Groups by Company

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code as of Dec 31 as of Dec 31Covered Lives

Number of

Rank Group/Company Name

Group

$445,233,422 37,07237,072AETNA HLTH INC NJ CORP952874 82.14%$173,869,605 14,87114,871AETNA HLTH INC NY CORP95234 78.77%$819,967,423 88,55383,348AETNA HLTH INC PA CORP95109 81.75%$327,312,044 16,08116,081AETNA HLTH INC TX CORP95490 80.76%

$7,898,071,913 1,558,0031,498,556AETNA LIFE INS CO60054 82.91%$94,133,348 19,43414,315ALTIUS HLTH PLANS INC95407 87.66%

$381,900,590 199,258199,258AMERICAN CONTINENTAL INS CO12321 78.09%$371,666,600 216,595216,595CONTINENTAL LIFE INS CO BRENTWOOD68500 74.26%

$3,186,591,065 599,450540,336COVENTRY HLTH & LIFE INS CO81973 77.67%$80,243 2929COVENTRY HLTH CARE OF DE INC96460 (96.73)%

$1,065,126,502 292,998235,477COVENTRY HLTH CARE OF FL INC95114 91.25%$176,251,443 29,79226,313COVENTRY HLTH CARE OF IL INC74160 86.18%$211,029,202 30,59426,465COVENTRY HLTH CARE OF KS INC95489 87.03%$804,288,214 75,28275,263COVENTRY HLTH CARE OF MO INC96377 82.12%$516,447,405 157,379139,002COVENTRY HLTH CARE OF NE INC95925 93.25%$449,931,479 121,44486,301COVENTRY HLTH CARE OF THE CAROLINAS95321 101.83%$319,115,286 79,86567,930COVENTRY HLTH CARE OF VA INC96555 84.70%$325,588,919 125,137125,137COVENTRY HLTH CARE OF W VA INC95408 82.91%$362,666,749 3,7622,251COVENTRY HLTH PLAN OF FL INC95266 77.54%$695,278,772 675,342675,342FIRST HLTH LIFE & HLTH INS CO90328 72.34%$792,779,461 75,75174,059HEALTHAMER PA INC95060 80.78%$754,371,447 73,22873,228HEALTHASSURANCE PA INC11102 81.80%$717,356,298 263,596263,596HEALTHCARE USA OF MO LLC95318 85.55%$126,291,264 35,78521,655INNOVATION HLTH INS CO15097 82.43%

$18,982,154,784 4,284,5024,255,176CENTENE CORP GRP12955 87.86% 4.60%$438,244,366 103,964103,964ABSOLUTE TOTAL CARE INC12959 86.07%

$36,616,206 15,25711,526AMBETTER OF MAGNOLIA INC15762 75.62%$2,020,176,853 516,853516,853BANKERS RESERVE LIFE INS CO OF WI71013 87.96%$1,993,297,084 311,492310,343BUCKEYE COMM HLTH PLAN INC11834 80.18%

$184,478,734 55,14051,375CELTIC INS CO80799 71.97%

© 2016 National Association of Insurance Commissioners 50

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share for All Statement Types

Top 25 Groups by Company

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code as of Dec 31 as of Dec 31Covered Lives

Number of

Rank Group/Company Name

Group

$222,764,205 50,80950,440CELTICARE HLTH PLAN OF MA INC136325 67.48%$816,045,873 298,946290,161COORDINATED CARE CORP95831 82.30%$572,041,023 181,821181,821COORDINATED CARE OF WA INC15352 94.45%

$60,547,362 7,5407,540FIDELIS SECURECARE OF MI INC10769 91.40%$329,956,913 72,33772,337GRANITE STATE HLTH PLAN INC14226 91.73%$273,451,159 93,50693,506HOME STATE HLTH PLAN INC14218 94.18%

$1,092,756,916 209,178208,960ILLINICARE HLTH PLAN INC14053 96.54%$0 00KENTUCKY SPIRIT HEALTH PLAN INC14100 N/A

$1,194,384,387 382,198382,198LOUISIANA HEALTHCARE CONNECTIONS INC13970 87.33%$883,470,310 268,212267,887MAGNOLIA HLTH PLAN INC13923 87.97%$111,864,655 39,79039,790MANAGED HLTH SERV INS CORP96822 132.02%

$1,117,611,940 408,624404,009PEACH STATE HLTH PLAN INC12315 78.00%$1,123,325,388 141,044141,044SUNFLOWER STATE HLTH PLAN INC14345 90.31%$3,132,706,122 528,927525,014SUNSHINE STATE HLTH PLAN INC13148 93.85%$2,883,049,201 497,747495,291SUPERIOR HLTHPLAN INC95647 86.87%

$495,366,087 101,117101,117TRILLIUM COMM HLTH PLAN INC12559 88.22%

$12,221,575,923 3,566,9913,566,991WELLCARE GRP11996 84.51% 2.96%$968,757,674 249,335249,335HARMONY HLTH PLAN OF IL INC11229 82.59%$308,994,480 114,145114,145MISSOURI CARE INC12913 89.06%$739,431,670 70,17570,175WELLCARE HLTH INS OF AZ INC83445 87.54%

$2,761,682,924 525,443525,443WELLCARE HLTH INS OF KY INC64467 82.65%$172,132 6565WELLCARE HLTH PLANS OF KY INC15510 123.94%

$350,069,718 57,36257,362WELLCARE HLTH PLANS OF NJ INC13020 84.92%$146,493,446 11,75511,755WELLCARE OF CT INC95310 87.13%

$3,555,674,429 887,998887,998WELLCARE OF FL INC95081 86.87%$1,991,720,296 620,531620,531WELLCARE OF GA INC10760 84.96%

$129,810 00WELLCARE OF OH INC12749 (1,085.16)%$222,836,703 59,72659,726WELLCARE OF SC INC11775 77.44%$368,838,846 47,56747,567WELLCARE OF TX INC12964 82.83%$806,773,795 922,889922,889WELLCARE PRESCRIPTION INS INC10155 79.50%

© 2016 National Association of Insurance Commissioners 51

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share for All Statement Types

Top 25 Groups by Company

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code as of Dec 31 as of Dec 31Covered Lives

Number of

Rank Group/Company Name

Group

$12,024,243,578 2,913,2282,862,918MOLINA HEALTHCARE INC GRP15317 82.22% 2.91%$1,223,609,671 439,753404,815MOLINA HLTHCARE OF FL INC13128 88.02%

$467,676,076 97,98097,980MOLINA HLTHCARE OF IL INC14104 87.71%$1,468,184,049 327,904327,639MOLINA HLTHCARE OF MI52630 78.44%$1,322,291,851 230,736229,644MOLINA HLTHCARE OF NM95739 79.43%$2,273,508,663 327,022326,514MOLINA HLTHCARE OF OH INC12334 74.43%

$556,823,162 348,007348,007MOLINA HLTHCARE OF PR INC15600 89.55%$369,634,700 99,60899,608MOLINA HLTHCARE OF SC INC LLC15329 75.20%

$2,004,241,125 225,201221,150MOLINA HLTHCARE OF TX INC10757 86.51%$54,202,018 34,93334,933MOLINA HLTHCARE OF TX INS CO13778 85.48%

$344,089,763 101,75698,978MOLINA HLTHCARE OF UT INC DBA AMFAM95502 84.44%$1,673,039,551 581,943580,578MOLINA HLTHCARE OF WA INC96270 85.94%

$266,942,949 98,38593,072MOLINA HLTHCARE OF WI INC12007 82.56%

$11,091,171,932 3,422,8172,652,183HCSC GRP9178 105.59% 2.69%$142,912 180180DEARBORN NATL LIFE INS CO71129 727.00%

$27,562,581 3,7273,727GHS HMO INC DBA BLUELINCS HMO11814 101.01%$6,010,165 885885GHS INS CO29718 94.61%

$37,306,555 4,4854,485GHS MANAGED HLTH CARE PLANS INC14048 109.76%$1,295,622,954 483,551483,551HCSC INS SERV CO78611 84.34%$9,724,526,765 2,929,9892,159,355HEALTH CARE SERV CORP A MUT LEGAL RE70670 108.41%

$10,075,659,041 2,946,1061,090,940CIGNA HLTH GRP9019 86.93% 2.44%$7,509 11ALLEGIANCE LIFE & HLTH INS CO INC12814 393.85%

$191,085,175 121,853121,853AMERICAN RETIREMENT LIFE INS CO88366 77.78%$287,908,922 20,59120,591BRAVO HLTH MID ATLANTIC INC10095 91.44%$773,280,614 54,12154,121BRAVO HLTH PA INC11524 82.44%

$6,804,707 2,2532,058CENTRAL RESERVE LIFE INS CO61727 61.61%$61,680 197124CIGNA DENTAL HLTH OF CO INC11175 63.64%

$1,383 43CIGNA DENTAL HLTH OF DE INC95380 198.84%

© 2016 National Association of Insurance Commissioners 52

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share for All Statement Types

Top 25 Groups by Company

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code as of Dec 31 as of Dec 31Covered Lives

Number of

Rank Group/Company Name

Group

$760,899 2,3721,685CIGNA DENTAL HLTH OF FL INC520219 42.05%$31,816 9567CIGNA DENTAL HLTH OF KS INC52024 64.64%$83,687 266170CIGNA DENTAL HLTH OF KY INC52108 43.17%$77,493 246171CIGNA DENTAL HLTH OF MD INC48119 45.35%$61,031 190124CIGNA DENTAL HLTH OF MO INC11160 56.92%$99,064 308197CIGNA DENTAL HLTH OF NC INC95179 90.34%

$131,030 453282CIGNA DENTAL HLTH OF NJ INC11167 49.68%$89,912 287187CIGNA DENTAL HLTH OF OH INC47805 57.50%$73,169 225158CIGNA DENTAL HLTH OF PA INC47041 38.95%

$129,753 418274CIGNA DENTAL HLTH OF TX INC95037 34.84%$73,960 232152CIGNA DENTAL HLTH OF VA INC52617 49.64%

$132,281 410275CIGNA DENTAL HLTH PLAN OF AZ INC47013 39.89%$5,488 00CIGNA HLTCARE OF IN INC95525 (1.59)%

$2,423,573,553 1,831,840238,370CIGNA HLTH & LIFE INS CO67369 99.00%$0 00CIGNA HLTHCARE NH INC95493 N/A

$477,680,097 43,999185CIGNA HLTHCARE OF AZ INC95125 95.84%$3,123 00CIGNA HLTHCARE OF CO INC95604 (26.54)%

$23,775 22CIGNA HLTHCARE OF CT INC95660 20.19%$119,608 128CIGNA HLTHCARE OF FL INC95136 256.02%

$0 00CIGNA HLTHCARE OF GA INC96229 N/A$0 00CIGNA HLTHCARE OF IL INC95602 N/A$0 00CIGNA HLTHCARE OF NC INC95132 N/A

$655,726 3323CIGNA HLTHCARE OF NJ INC95500 271.49%$0 00CIGNA HLTHCARE OF SC INC95708 N/A

$9,130 11CIGNA HLTHCARE OF ST LOUIS INC95635 79.26%$24,384 11CIGNA HLTHCARE OF TN INC95606 0.23%

$105,524 3024CIGNA HLTHCARE OF TX INC95383 431.21%$351,147 5,101516CIGNA LIFE INS CO OF NY64548 13.92%

$323,183,965 116,68564,959CONNECTICUT GEN LIFE INS CO62308 69.70%$2,209,181,299 166,636166,636HEALTHSPRING LIFE & HLTH INS CO INC12902 82.33%

$637,724,568 56,44056,440HEALTHSPRING OF AL INC95781 85.81%

© 2016 National Association of Insurance Commissioners 53

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share for All Statement Types

Top 25 Groups by Company

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code as of Dec 31 as of Dec 31Covered Lives

Number of

Rank Group/Company Name

Group

$879,260,268 51,39351,393HEALTHSPRING OF FL INC115329 86.02%$1,586,365,952 130,212130,212HEALTHSPRING OF TN INC11522 82.08%

$5,867,930 148,8146,364LIFE INS CO OF N AMER65498 39.80%$161,377,283 152,407135,335LOYAL AMER LIFE INS CO65722 69.57%

$11,419,793 2,8592,859PROVIDENT AMER LIFE & HLTH INS CO67903 69.15%$97,832,343 35,11935,119STERLING LIFE INS CO77399 74.52%

$9,642,698,735 1,956,9121,887,883INDEPENDENCE HLTH GRP INC GRP93610 91.17% 2.34%$477,394,699 105,919105,919AMERIHEALTH CARITAS DC INC15088 80.73%$622,806,098 175,893175,893AMERIHEALTH CARITAS LA INC14143 84.53%$267,342,363 31,99026,814AMERIHEALTH HMO INC95044 99.69%$292,462,093 40,30125,470AMERIHEALTH INS CO OF NJ60061 105.90%

$40,263,336 3,3693,369AMERIHEALTH MI INC15104 94.71%$76,871,696 24,70024,700AMERIHEALTH NE INC14261 88.25%

$0 00CBHNP SERV INC13630 N/A$941,971,054 314,783314,783FLORIDA TRUE HLTH INC14378 105.81%

$42,430,636 31,59031,590INDEPENDENCE HOSPITAL IND PLAN INC54704 99.36%$399,927 1,2471,246INTER CNTY HLTH PLAN INC53252 95.35%

$3,367,529 1,2821,278INTER CTY HOSPITALIZATION PLAN INC54763 94.63%$1,534,867,660 196,665162,616KEYSTONE HLTH PLAN E INC95056 87.02%

$416,101,295 48,87133,903QCC INS CO93688 93.05%$1,175,856,143 332,496332,496SELECT HLTH OF SC INC95458 86.03%$3,750,564,206 647,806647,806VISTA HLTH PLAN INC96660 91.20%

$6,793,199,194 1,328,8301,310,351CARESOURCE GRP368311 85.12% 1.65%$6,723,236,636 1,306,5211,294,424CARESOURCE95201 85.08%

$59,193,166 17,03911,894CARESOURCE IN10142 88.85%$10,769,392 5,2704,033CARESOURCE KY CO15479 93.27%

$6,568,612,991 1,178,9821,167,524HIGHMARK GRP81212 98.11% 1.59%$157,787,475 38,54227,393FIRST PRIORITY LIFE INS CO INC60147 124.63%

© 2016 National Association of Insurance Commissioners 54

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share for All Statement Types

Top 25 Groups by Company

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code as of Dec 31 as of Dec 31Covered Lives

Number of

Rank Group/Company Name

Group

$2,169,817,306 360,963360,963GATEWAY HLTH PLAN INC9693812 88.09%$60,047,601 7,3447,344GATEWAY HLTH PLAN OF OH INC12325 91.28%

$162,815,522 37,407130,933HIGHMARK BCBSD INC53287 114.71%$62,544 1710HIGHMARK BENEFITS GRP INC15508 94.83%

$125,268 116116HIGHMARK CAS INS CO35599 259.08%$19,224 42HIGHMARK COVERAGE ADVANTAGE INC15507 106.60%

$1,064,212,042 356,245287,615HIGHMARK INC54771 121.59%$783,458,348 72,85972,859HIGHMARK SENIOR HLTH CO15460 88.68%

$69,767,114 5,8325,832HIGHMARK SENIOR SOLUTIONS CO15459 93.19%$228,074,729 49,60535,325HIGHMARK WEST VIRGINIA INC.54828 122.37%$245,410,876 64,36154,678HM HLTH INS CO71768 127.52%

$13,777,868 5,3255,325HMO OF NE PA96601 86.45%$1,515,562,436 126,962125,811KEYSTONE HLTH PLAN W INC95048 89.08%

$628,120 4821UNITED CONCORDIA INS CO85766 73.96%$4,187,158 9944UNITED CONCORDIA LIFE & HLTH INS CO62294 51.32%

$92,859,360 53,25353,253WEST VIRGINIA FAMILY HLTH PLAN INC15020 90.31%

$5,687,749,410 1,170,4981,110,148BCBS OF NJ GRP120213 86.83% 1.38%$1,450,881 8,9178,917HORIZON HLTHCARE DENTAL INC11146 164.07%

$4,504,657,208 840,744840,744HORIZON HLTHCARE OF NJ INC95529 87.74%$822,848,724 168,226107,876HORIZON HLTHCARE SERV INC55069 82.74%$358,792,597 152,611152,611HORIZON INS CO14690 84.35%

$5,184,321,886 1,069,289816,399GUIDEWELL MUT HOLDING GRP53614 85.04% 1.26%$3,852,372,642 740,740573,099BCBS OF FL98167 83.42%

$7,044,892 825825BEHEALTHY FLORIDA INC15118 101.51%$44,913,240 160,508103,215FLORIDA COMBINED LIFE INS CO INC76031 64.06%

$177,748,136 15,96515,236FLORIDA HLTH CARE PLAN INC13567 90.57%$1,102,242,976 151,251124,024HEALTH OPTIONS INC95089 90.57%

$4,659,906,416 19,498,51710,307,102AFLAC GRP37015 55.96% 1.13%

© 2016 National Association of Insurance Commissioners 55

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share for All Statement Types

Top 25 Groups by Company

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code as of Dec 31 as of Dec 31Covered Lives

Number of

Rank Group/Company Name

Group

$4,371,274,249 18,391,6319,723,222AMERICAN FAMILY LIFE ASSUR CO OF COL6038015 55.79%$288,083,793 1,104,726582,134AMERICAN FAMILY LIFE ASSUR CO OF NY60526 58.61%

$548,374 2,1601,746CONTINENTAL AMER INS CO71730 43.01%

$4,178,590,252 1,019,624783,012BCBS OF NC INC5463116 94.13% 1.01%$4,178,590,252 1,019,624783,012BCBS OF NC INC54631 94.13%

$3,973,847,451 948,532854,601BCBS OF TN GRP349817 91.60% 0.96%$1,761,737,550 417,630324,674BCBS OF TN INC54518 107.10%

$15,370,803 2,3332,333SECURITYCARE OF TN INC15005 96.83%$2,196,739,098 528,569527,594VOLUNTEER STATE HLTH PLAN INC14046 79.14%

$3,585,857,836 690,667686,611UPMC HLTH SYSTEM GRP132418 89.31% 0.87%$1,996,296,597 388,144388,144UPMC FOR YOU INC11995 87.46%

$22,303,778 117,663117,663UPMC HLTH BENEFITS INC11018 90.56%$90,469,076 9,3119,311UPMC HLTH NTWRK INC11994 85.28%

$189,628,810 26,56922,513UPMC HLTH OPTIONS INC15345 101.52%$1,287,159,575 148,980148,980UPMC HLTH PLAN INC95216 90.63%

$3,579,768,007 500,442497,019UCARE GRP438019 90.78% 0.87%$55,815,808 8,0878,087UCARE HLTH INC12924 114.69%

$3,523,952,199 492,355488,932UCARE MN52629 90.41%

$3,244,211,935 746,065635,275BCBS OF MI GRP57220 92.48% 0.79%$1,866,779,583 440,105374,838BCBS OF MI MUT INS CO54291 97.61%

$925,931,295 185,516144,353BLUE CARE NETWORK OF MI95610 87.17%$1,029,787 176126BLUE CARE OF MI INC52037 91.83%

$422,544,050 88,53388,533BLUE CROSS COMPLETE OF MI LLC11557 83.73%$27,927,220 31,73527,425LIFESECURE INS CO77720 57.35%

$3,233,784,090 759,662759,662CAIDAN ENTERPRISES INC GRP464021 86.34% 0.78%

© 2016 National Association of Insurance Commissioners 56

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share for All Statement Types

Top 25 Groups by Company

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code as of Dec 31 as of Dec 31Covered Lives

Number of

Rank Group/Company Name

Group

$150,433,760 60,71360,713MERIDIAN HLTH PLAN OF IA INC1414521 90.30%$1,011,319,228 243,650243,650MERIDIAN HLTH PLAN OF IL INC13189 90.00%$2,072,031,102 455,299455,299MERIDIAN HLTH PLAN OF MI INC52563 84.26%

$3,089,622,473 469,187434,314EMBLEM HLTH GRP112722 91.59% 0.75%$200,930,737 34,84024,412CONNECTICARE BENEFITS INC14913 83.86%$602,010,461 62,77562,381CONNECTICARE INC95675 88.60%$144,521,851 39,68121,523CONNECTICARE INS CO INC11209 114.35%

$6,670,106 35,90435,862GROUP HLTH INC55239 65.90%$2,134,814,064 295,987290,136HEALTH INS PLAN OF GREATER NY55247 91.78%

$675,254 00HIP INS CO OF NY60094 (156.84)%

$3,050,700,245 483,352401,059KAISER FOUNDATION GRP60123 108.04% 0.74%$296,549,850 65,21460,590KAISER FOUND HLTH PLAN INC HI REGION11538 126.41%$340,640,039 119,56092,600KAISER FOUND HLTH PLAN MID ATLANTI95639 113.33%

$1,284,144,586 171,431144,583KAISER FOUND HLTH PLAN OF CO95669 101.75%$81,955,116 20,96214,383KAISER FOUND HLTH PLAN OF GA INC96237 117.45%

$1,047,410,654 106,18588,903KAISER FOUND HLTH PLAN OF THE NW95540 108.10%

$2,898,511,461 3,515,6373,513,367CVS CAREMARK GRP466724 70.45% 0.70%$625,549 00ACCENDO INS CO63444 (157.53)%

$32,895,707 67,41065,140PENNSYLVANIA LIFE INS CO67660 50.66%$2,864,990,205 3,448,2273,448,227SILVERSCRIPT INS CO12575 70.73%

$2,743,293,473 668,629589,917BCBS OF MN GRP46125 96.56% 0.66%$1,860,412,724 553,151476,717BCBSM INC55026 102.23%

$882,880,749 115,478113,200HMO DBA BLUE PLUS95649 84.60%

$412,602,069,741 150,717,159127,334,22626 88.33%

© 2016 National Association of Insurance Commissioners 57

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© 2016 National Association of Insurance Commissioners 58

Page 65: 2015 Accident and Health Policy Experience Report · Accounting & Reporting Information about statutory accounting principles and the procedures necessary for fi ling fi nancial

Market Share by Statement Type

Individual Business

© 2016 National Association of Insurance Commissioners 59

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© 2016 National Association of Insurance Commissioners 60

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share for Life, Accident & Health

Grand Total for Individual business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

$15,751,860,062 7,684,228UNITEDHEALTH GRP7071 7,487,68981.90% 25.39% 25.39%$9,404,991,192 2,710,531AETNA GRP12 2,651,08481.52% 15.16% 40.55%$4,659,906,416 19,498,517AFLAC GRP3703 10,307,10255.96% 7.51% 48.06%$3,123,663,553 2,381,812CIGNA HLTH GRP9014 572,31492.84% 5.03% 53.09%$2,713,599,432 1,929,970MUTUAL OF OMAHA GRP2615 1,776,12776.85% 4.37% 57.47%$2,459,376,805 1,133,618GENWORTH FIN GRP40116 1,037,713130.79% 3.96% 61.43%$2,450,146,909 3,571,819UNUMPROVIDENT CORP GRP5657 3,571,819106.55% 3.95% 65.38%$1,710,197,097 1,659,166ASSURANT INC GRP198 1,467,299136.04% 2.76% 68.13%$1,699,314,833 1,437,110CNO FINANCIAL GRP2339 1,181,96393.84% 2.74% 70.87%$1,651,703,067 993,945NORTHWESTERN MUT GRP86010 993,94562.85% 2.66% 73.54%$1,389,563,525 605,311JOHN HANCOCK GRP90411 605,232118.20% 2.24% 75.78%$1,057,757,236 498,447METROPOLITAN GRP24112 192,641157.01% 1.70% 77.48%

$962,963,811 3,547,413TORCHMARK CORP GRP29013 2,429,00164.48% 1.55% 79.03%$917,812,097 131,248HEALTH NET INC GRP62314 104,805120.38% 1.48% 80.51%$846,356,361 1,339,693AEGON US HOLDING GRP46815 952,881202.72% 1.36% 81.88%$718,919,174 352,326GUARDIAN LIFE GRP42916 335,38190.43% 1.16% 83.03%$691,713,538 328,475MASS MUT LIFE INS GRP43517 341,985109.32% 1.11% 84.15%$528,951,726 97,597UNIVERSAL AMER FIN CORP GRP95318 93,81283.14% 0.85% 85.00%$495,934,475 289,034BCBS OF KS GRP43019 248,835100.54% 0.80% 85.80%$495,930,403 0CHUBB LTD GRP62620 057.84% 0.80% 86.60%$398,030,570 178,860PRINCIPAL FIN GRP33221 178,86063.98% 0.64% 87.24%$374,502,382 205,296EQUITABLE LIFE & CAS INS CO6295222 194,02882.75% 0.60% 87.85%$361,942,241 338,931PHYSICIANS MUT GRP36723 303,08281.17% 0.58% 88.43%$356,133,748 245,256AMERIPRISE FIN GRP424 245,256151.17% 0.57% 89.00%$308,271,735 185,553NEW YORK LIFE GRP82625 185,168107.84% 0.50% 89.50%$292,640,222 914,990AMERICAN FIDELITY CORP GRP33026 596,62757.13% 0.47% 89.97%$280,573,679 184,319NEW ERA LIFE GRP52027 164,44779.06% 0.45% 90.42%$270,473,865 202,099AMERICAN ENTERPRISE MUT GRP352728 197,59372.21% 0.44% 90.86%$266,053,549 1,002,716ALLSTATE INS GRP829 572,09464.32% 0.43% 91.29%$245,730,411 119,306UNITED SERV AUTOMOBILE ASSN GRP20030 119,30675.77% 0.40% 91.68%$212,178,527 91,162PRUDENTIAL OF AMER GRP30431 90,30584.67% 0.34% 92.03%$211,009,504 92,146STANCORP FIN GRP134832 108,62250.29% 0.34% 92.37%$210,453,891 222,737HC2 HOLDINGS GRP485233 162,06092.18% 0.34% 92.71%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share for Life, Accident & Health

Grand Total for Individual business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

$204,089,896 88,927BLUE SHIELD OF CA GRP279834 62,99677.11% 0.33% 93.03%$203,800,529 414,939GUARANTEE TRUST GRP68735 356,36556.52% 0.33% 93.36%$189,896,604 123,488ALLIANZ INS GRP76136 100,331221.33% 0.31% 93.67%$176,492,348 225,150HARRIS INS HOLDINGS GRP111737 172,91466.02% 0.28% 93.95%$164,938,267 845,028HEALTHMARKETS GRP26438 566,58833.66% 0.27% 94.22%$140,192,347 100,866AMERITAS MUT HOLDING GRP94339 100,86664.80% 0.23% 94.45%$135,247,806 696,207AMERICAN INTL GRP1240 548,457132.55% 0.22% 94.66%$127,711,845 70,770SENIOR HLTH INS CO OF PA7632541 63,775222.36% 0.21% 94.87%$127,331,608 345,193KEMPER CORP GRP21542 261,06356.15% 0.21% 95.07%$126,584,446 149,989NESTLE SA GRP448343 149,98975.86% 0.20% 95.28%$122,507,091 86,738LIFETIME HLTHCARE GRP118644 86,738177.37% 0.20% 95.48%$121,876,172 483,776NATIONAL TEACHERS ASSOC LIFE GROUP479645 278,60754.23% 0.20% 95.67%$113,977,613 52,090ADVANTAGE CAPITAL GRP482446 51,126129.42% 0.18% 95.86%$106,122,652 185,725HUMANA GRP11947 129,251173.09% 0.17% 96.03%$105,182,756 61,727COUNTRY INS & FIN SERV GRP5048 59,462115.55% 0.17% 96.20%$103,296,787 131,996AMERICAN NATL FIN GRP40849 112,30761.30% 0.17% 96.36%

$99,337,826 46,567TOKIO MARINE HOLDINGS INC GRP309850 46,56755.32% 0.16% 96.52%$95,350,492 37,889AMERCO CORP GRP57451 37,88975.82% 0.15% 96.68%$84,301,590 45,303ATLANTIC AMER GRP58752 45,30368.50% 0.14% 96.81%$82,954,048 242,233TRUSTMARK MUT HOLDING CO GRP27653 166,26247.27% 0.13% 96.95%$73,878,152 38,648GOLDMAN SACHS GRP389154 38,64072.78% 0.12% 97.07%$72,833,016 124,250ASSURITY LIFE INS CO7143955 106,09355.63% 0.12% 97.18%$67,913,440 57,216AXA INS GRP96856 55,732226.52% 0.11% 97.29%$61,949,050 44,078PROTECTIVE LIFE INS GRP45857 44,07854.35% 0.10% 97.39%$60,633,376 95,409JACKSON NATL GRP91858 73,479213.26% 0.10% 97.49%$60,182,375 52,366RESOLUTION LIFE GRP481559 34,793276.37% 0.10% 97.59%$57,959,783 115,741ILLINOIS MUT LIFE INS CO6458060 108,58174.59% 0.09% 97.68%$57,696,183 0TRIPLE S GRP480261 060.96% 0.09% 97.77%$54,503,584 1,045,484CUNA MUT GRP30662 721,24079.83% 0.09% 97.86%$54,202,018 34,933MOLINA HEALTHCARE INC GRP153163 34,93385.48% 0.09% 97.95%$53,796,722 105,251WESTBRIDGE CAPITAL GRP83964 73,44554.79% 0.09% 98.04%$46,360,903 25,299OLD SURETY LIFE INS CO6732665 25,29968.36% 0.07% 98.11%$44,913,240 160,508GUIDEWELL MUT HOLDING GRP53666 103,21564.06% 0.07% 98.18%

© 2016 National Association of Insurance Commissioners 62

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share for Life, Accident & Health

Grand Total for Individual business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

$39,022,963 24,147MEDICAL CARD SYSTEM INC GRP130167 16,958118.07% 0.06% 98.25%$38,203,087 62,052ZURICH INS GRP21268 28,653119.64% 0.06% 98.31%$37,830,623 7,694ANTHEM INC GRP67169 7,18562.36% 0.06% 98.37%$36,249,808 18,069MINNESOTA MUT GRP86970 22,56994.12% 0.06% 98.43%$33,724,589 18,322OHIO NATL LIFE GRP70471 18,32278.09% 0.05% 98.48%$33,452,040 17,598GPM LIFE GRP471272 17,59980.18% 0.05% 98.53%$32,685,366 558,683TIPTREE FIN GRP471873 558,6837.52% 0.05% 98.59%$32,560,628 17,691UNITED SECURITY ASSUR CO OF PA4212974 17,69198.01% 0.05% 98.64%$30,998,052 91,131ARKANSAS BCBS GRP87675 4,38150.54% 0.05% 98.69%$29,853,795 56,142SOUTHERN FARM BUREAU LIFE INS CO6889676 43,326154.73% 0.05% 98.74%$29,405,178 27,794LINCOLN NATL GRP2077 27,794186.79% 0.05% 98.78%$28,978,667 62,822WILTON RE GRP421378 62,59363.61% 0.05% 98.83%$28,175,883 0TRANS OCEANIC LIFE INS CO6952379 037.16% 0.05% 98.88%$27,927,220 31,735BCBS OF MI GRP57280 27,42557.35% 0.05% 98.92%$27,554,733 72,108LIFE INS CO OF AL6541281 43,89753.52% 0.04% 98.97%$27,322,101 146,388WEST SOUTHERN GRP83682 71,750114.64% 0.04% 99.01%$26,074,412 64,635SUN LIFE ASSUR CO OF CN GRP54983 45,18275.97% 0.04% 99.05%$25,768,773 12,067PEKIN INS GRP15384 12,06770.75% 0.04% 99.09%$25,351,485 21,636FEDERATED MUT GRP785 21,63640.86% 0.04% 99.13%$25,338,755 17,694NATIONAL LIFE GRP63486 17,088214.18% 0.04% 99.18%$24,713,573 13,130ONEAMERICA FIN PARTNERS GRP61987 13,130187.15% 0.04% 99.22%$24,417,802 15,513HEARTLAND NATL LIFE INS CO6621488 15,37575.83% 0.04% 99.25%$22,075,637 34,723CITIZENS SECURITY LIFE INS CO6192189 34,72356.44% 0.04% 99.29%$20,575,417 111,276MULTINATIONAL GRP480490 61,10047.99% 0.03% 99.32%$20,112,256 10,274TIAA FAMILY GRP121691 10,274175.71% 0.03% 99.36%$19,658,256 7,933STATE MUT INS CO6913292 7,93269.80% 0.03% 99.39%$19,303,676 653,348FORTRESS GRP471693 544,43659.90% 0.03% 99.42%$18,040,919 83,447BOSTON MUT GRP58194 45,17832.28% 0.03% 99.45%$15,632,272 13,974BCBS OF AL GRP57095 13,97478.25% 0.03% 99.47%$15,177,421 0COOPERATIVA DE SEGUROS DE VIDA7971596 038.53% 0.02% 99.50%$15,109,989 15,953FIDELITY SECURITY GRP45197 14,12062.75% 0.02% 99.52%$14,627,749 141,013ATHENE GRP473498 74,28184.23% 0.02% 99.55%$14,547,670 14,920REGAL REINS GRP44099 14,920324.80% 0.02% 99.57%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share for Life, Accident & Health

Grand Total for Individual business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

$14,352,567 11,649AUTO OWNERS GRP280100 11,64973.84% 0.02% 99.59%$14,081,466 4,739STERLING INVESTORS LIFE INS CO89184101 4,73950.99% 0.02% 99.61%$13,095,138 4,803CENTRAL STATES GRP690102 4,72286.33% 0.02% 99.64%$12,695,231 53,946STARMOUNT LIFE INS CO68985103 38,21754.30% 0.02% 99.66%$11,121,777 303PAN AMER LIFE GRP525104 5,383148.13% 0.02% 99.67%$10,967,271 6,174NATIONWIDE CORP GRP140105 6,025107.15% 0.02% 99.69%$10,831,859 43,270UNIFIED LIFE INS CO11121106 37,18699.99% 0.02% 99.71%

$9,308,319 18,883BEST LIFE & HLTH INS CO90638107 15,24548.26% 0.02% 99.72%$9,268,513 13,842INDIVIDUAL ASSUR CO LIFE HLTH & ACC81779108 13,84266.53% 0.01% 99.74%$9,265,052 4,500UNIVERSAL FIDELITY LIFE INS CO70122109 4,50072.23% 0.01% 99.75%$9,027,284 13,059NATIONAL GUARDIAN LIFE INS GRP1211110 13,01887.40% 0.01% 99.77%$8,565,316 3,665AMERICAN FINANCIAL GRP84111 3,620137.08% 0.01% 99.78%$8,484,101 23,841AUTOMOBILE CLUB MI GRP55112 23,84129.98% 0.01% 99.80%$7,855,029 4,250TEACHERS PROTECTIVE MUT LIFE INS CO69353113 4,159111.23% 0.01% 99.81%$7,462,844 6,399RESERVOIR CAPITAL GRP4764114 6,39961.77% 0.01% 99.82%$7,307,804 1,882ECG GRP4826115 1,88275.47% 0.01% 99.83%$7,245,375 9,541CROY HALL MGMT GRP1339116 5,58034.58% 0.01% 99.84%$7,187,344 11,837IOWA FARM BUREAU GRP513117 11,83711.88% 0.01% 99.86%$5,891,565 68,068NATIONAL FAMILY CARE LIFE INS CO86959118 38,89613.17% 0.01% 99.87%$5,542,220 4,156LINCOLN HERITAGE LIFE INS CO65927119 4,15649.89% 0.01% 99.87%$5,453,537 7,241CINCINNATI FIN GRP244120 7,17157.44% 0.01% 99.88%$5,012,169 0GREAT WEST GRP769121 0249.21% 0.01% 99.89%$4,757,192 14,790GENEVE HOLDINGS INC GRP450122 10,42863.67% 0.01% 99.90%$4,500,437 6,101STANDARD LIFE & CAS INS CO71706123 4,77943.47% 0.01% 100.00%$4,256,345 18,400MAPFRE INS GRP411124 18,15636.22% 0.01% 100.00%$4,220,247 6,298VOYA FINANCIAL GRP4832125 4,42283.00% 0.01% 100.00%

$62,044,564,986 64,148,026Grand Total 47,309,94290.14% 100.00%

© 2016 National Association of Insurance Commissioners 64

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share for Health

Grand Total for Individual business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

$46,794,647,823 7,303,704UNITEDHEALTH GRP7071 7,197,21582.51% 13.42% 13.42%$39,920,513,975 10,136,971HUMANA GRP1192 9,337,64284.96% 11.45% 24.87%$28,489,371,927 7,036,614ANTHEM INC GRP6713 6,536,20482.67% 8.17% 33.04%$18,982,154,784 4,284,502CENTENE CORP GRP12954 4,255,17687.86% 5.44% 38.48%$16,778,610,643 2,991,130AETNA GRP15 2,718,99784.61% 4.81% 43.30%$12,221,575,923 3,566,991WELLCARE GRP11996 3,566,99184.51% 3.51% 46.80%$11,970,041,560 2,878,295MOLINA HEALTHCARE INC GRP15317 2,827,98582.21% 3.43% 50.23%$11,091,029,020 3,422,637HCSC GRP9178 2,652,003105.58% 3.18% 53.42%

$9,642,698,735 1,956,912INDEPENDENCE HLTH GRP INC GRP9369 1,887,88391.17% 2.77% 56.18%$6,951,995,488 564,294CIGNA HLTH GRP90110 518,62684.28% 1.99% 58.17%$6,793,199,194 1,328,830CARESOURCE GRP368311 1,310,35185.12% 1.95% 60.12%$6,568,487,723 1,178,866HIGHMARK GRP81212 1,167,40898.11% 1.88% 62.01%$5,687,749,410 1,170,498BCBS OF NJ GRP120213 1,110,14886.83% 1.63% 63.64%$5,139,408,646 908,781GUIDEWELL MUT HOLDING GRP53614 713,18485.23% 1.47% 65.11%$4,178,590,252 1,019,624BCBS OF NC INC5463115 783,01294.13% 1.20% 66.31%$3,973,847,451 948,532BCBS OF TN GRP349816 854,60191.60% 1.14% 67.45%$3,579,768,007 500,442UCARE GRP438017 497,01990.78% 1.03% 68.48%$3,563,554,058 573,004UPMC HLTH SYSTEM GRP132418 568,94889.30% 1.02% 69.50%$3,233,784,090 759,662CAIDAN ENTERPRISES INC GRP464019 759,66286.34% 0.93% 70.43%$3,216,284,715 714,330BCBS OF MI GRP57220 607,85092.78% 0.92% 71.35%$3,089,622,473 469,187EMBLEM HLTH GRP112721 434,31491.59% 0.89% 72.23%$3,050,700,245 483,352KAISER FOUNDATION GRP60122 401,059108.04% 0.87% 73.11%$2,898,511,461 3,515,637CVS CAREMARK GRP466723 3,513,36770.45% 0.83% 73.94%$2,743,293,473 668,629BCBS OF MN GRP46124 589,91796.56% 0.79% 74.73%$2,661,174,485 402,592MEDICA GRP155225 391,74889.55% 0.76% 75.49%$2,536,038,978 381,999TUFTS GRP474226 376,92189.49% 0.73% 76.22%$2,024,347,492 129,761HEALTHFIRST INC GRP477827 129,76185.96% 0.58% 76.80%$1,978,626,924 331,964LIFETIME HLTHCARE GRP118628 323,65588.68% 0.57% 77.37%$1,875,000,406 335,169NEIGHBORHOOD HLTH PLAN INC1110929 331,583100.45% 0.54% 77.90%$1,865,649,713 437,010CARE 1ST HEALTH PLAN1514330 437,01081.56% 0.54% 78.44%$1,854,763,191 644,035TRIPLE S GRP480231 620,13087.19% 0.53% 78.97%$1,792,103,985 324,034CAMBIA HEALTH SOLUTIONS INC120732 270,56792.62% 0.51% 79.48%$1,744,633,928 292,769GEISINGER INS GRP114333 284,41386.23% 0.50% 79.99%

© 2016 National Association of Insurance Commissioners 65

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share for Health

Grand Total for Individual business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

$1,656,424,912 281,029UNIVERSITY HLTH CARE INC5262134 281,02991.31% 0.48% 80.46%$1,596,621,593 307,801BOSTON MEDICAL CENTER HLTH PLAN INC1320335 307,80189.67% 0.46% 80.92%$1,596,405,584 262,271HEALTH PARTNERS PLANS INC9506636 262,27179.31% 0.46% 81.38%$1,550,676,004 550,286BCBS OF AL GRP57037 436,898104.26% 0.44% 81.82%$1,524,215,377 273,486PRESBYTERIAN HLTHCARE SERV GRP48138 303,26881.41% 0.44% 82.26%$1,517,002,640 179,808MEDICAL CARD SYSTEM INC GRP130139 179,80887.33% 0.44% 82.69%$1,458,005,696 290,295SPECTRUM HLTH GRP338340 263,33885.38% 0.42% 83.11%$1,413,538,292 424,003ARKANSAS BCBS GRP87641 377,89988.94% 0.41% 83.52%$1,308,297,401 170,400INDEPENDENT HLTH ASSN9530842 169,09995.54% 0.38% 83.89%$1,300,042,397 508,920CAREFIRST INC GRP38043 345,60898.88% 0.37% 84.26%$1,286,799,986 406,229INDIANA UNIVERSITY HLTH GRP463744 406,22988.15% 0.37% 84.63%$1,255,667,474 376,998BCBS OF MA GRP363745 355,25196.71% 0.36% 84.99%$1,212,521,000 208,878HEALTHPARTNERS GRP125846 184,51188.49% 0.35% 85.34%$1,167,148,698 244,803VANGUARD HLTH VENTURES GRP121247 243,95982.61% 0.33% 85.68%$1,132,075,567 285,850PREMERA BLUE CROSS GRP96248 201,099101.10% 0.32% 86.00%$1,065,311,421 311,447COMMUNITY HLTH PLAN OF WA4704949 311,44788.72% 0.31% 86.31%$1,064,215,199 219,034HAWAII MEDICAL SERV ASSN4994850 212,69187.01% 0.31% 86.61%$1,041,778,874 349,487BCBS OF SC GRP66151 284,74784.20% 0.30% 86.91%$1,023,319,705 449,760WELLMARK INC GRP77052 393,33090.92% 0.29% 87.20%$1,014,240,505 178,013NEIGHBORHOOD HLTH PLAN OF RI INC9540253 178,01386.17% 0.29% 87.49%

$957,733,349 391,746TEXAS CHILDRENS HLTH PLAN INC9532954 391,74688.58% 0.27% 87.77%$939,211,448 161,920CDPHP INC GRP470855 160,61889.68% 0.27% 88.04%$920,972,031 231,783LOUISIANA HLTH SERV GRP43856 169,29698.61% 0.26% 88.30%$920,381,288 207,320SENTARA HLTH MGMT GRP118357 207,32897.53% 0.26% 88.57%$903,373,411 283,434IHC INC GRP88058 206,722129.52% 0.26% 88.83%$882,968,511 140,775HENRY FORD HLTH SYSTEM GRP131159 134,19382.31% 0.25% 89.08%$855,319,830 292,928COMMUNITY HLTH CHOICE INC9561560 280,74589.07% 0.25% 89.32%$842,969,554 66,614UNIVERSAL AMER FIN CORP GRP95361 66,61481.27% 0.24% 89.57%$811,956,280 68,431AMERICAS 1ST CHOICE GRP475562 68,43172.87% 0.23% 89.80%$809,580,029 27,062ELDERPLAN INC9566263 27,06285.55% 0.23% 90.03%$807,456,190 86,929HEALTH NOW NY INC5520464 84,08088.60% 0.23% 90.26%$786,752,301 2,576,963MCNA GRP473065 2,576,96380.29% 0.23% 90.49%$774,221,817 171,857CARLE HOLDING CO GRP119266 163,94397.15% 0.22% 90.71%

© 2016 National Association of Insurance Commissioners 66

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share for Health

Grand Total for Individual business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

$771,647,029 106,117GROUP HLTH COOP GRP118567 91,45894.10% 0.22% 90.93%$763,695,771 113,066MVP GRP119868 101,55791.92% 0.22% 91.15%$746,479,359 130,840SECURITY HLTH PLAN OF WI INC9688169 122,44388.21% 0.21% 91.37%$734,825,871 95,855HEALTH NET INC GRP62370 83,24399.48% 0.21% 91.58%$713,659,340 114,562PROVIDENCE HLTH GRP478871 100,50098.39% 0.20% 91.78%$710,447,936 0PEOPLES HLTH INC1360772 085.00% 0.20% 91.98%$695,673,043 0HEALTH SUN HLTH PLANS1012273 087.94% 0.20% 92.18%$687,477,279 325,398BLUE CROSS OF ID GRP129074 298,78396.58% 0.20% 92.38%$683,908,050 130,019BCBS OF RI5347375 116,86288.45% 0.20% 92.58%$654,635,615 174,712OREGON DENTAL GRP131376 117,311118.36% 0.19% 92.76%$650,259,767 200,220BCBS OF AZ INC5358977 135,74299.99% 0.19% 92.95%$648,639,628 60,028FALLON GRP474178 57,98883.67% 0.19% 93.14%$647,109,193 204,712MEDICAL MUT OF OH GRP73079 124,72495.29% 0.19% 93.32%$636,291,989 104,299NETWORK HLTH GRP267880 103,57291.79% 0.18% 93.51%$579,735,283 520,952EXPRESS SCRIPTS HOLDING GRP481381 520,95287.22% 0.17% 93.67%$556,014,918 52,849ESSENCE GRP459782 52,84977.32% 0.16% 93.83%$537,409,214 45,752MAGELLAN HLTH INC GRP126083 45,75294.87% 0.15% 93.99%$531,182,284 207,893PARKLAND COMM HLTH PLAN INC9541484 384.05% 0.15% 94.14%$523,473,193 50,479CHE TRINITY INC GRP283885 50,47990.24% 0.15% 94.29%$516,665,979 46,929VIVA HLTH INC9532286 46,87987.26% 0.15% 94.44%$496,344,849 95,914BAYSTATE HLTH GRP475687 94,66696.71% 0.14% 94.58%$484,168,954 230,841FAMILY HLTH NETWORK GRP484388 230,84193.07% 0.14% 94.72%$473,879,198 45,551AVMED INC9526389 39,20789.47% 0.14% 94.85%$467,631,215 0MEDISUN INC9598290 089.34% 0.13% 94.99%$451,156,607 30,210HEALTHPLUS OF MI GRP340991 18,96596.56% 0.13% 95.12%$446,559,370 146,482CAPITAL BLUE CROSS GRP123092 158,37485.37% 0.13% 95.24%$436,279,529 144,010DRISCOLL CHILDRENS HLTH PLAN9580993 144,01093.41% 0.13% 95.37%$431,499,772 161,624BCBS OF NE7778094 131,816102.27% 0.12% 95.49%$424,787,864 404,377ENVISION INS CO1274795 404,37795.32% 0.12% 95.62%$383,166,853 119,026BCBS OF KC GRP53796 91,12699.66% 0.11% 95.73%$371,529,033 52,437PACIFICSOURCE HLTH PLAN GRP470497 47,008103.44% 0.11% 95.83%$370,180,591 105,031WISCONSIN PHYSICIANS SERV INS GRP6898 92,26297.95% 0.11% 95.94%$367,191,171 92,947ROCKY MOUNTAIN HLTH GRP118499 83,679109.90% 0.11% 96.04%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share for Health

Grand Total for Individual business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

$364,725,574 108,549DEAN HLTH GRP1294100 95,236100.40% 0.10% 96.15%$360,276,563 72,128TOTAL HLTH GRP1238101 69,42781.70% 0.10% 96.25%$354,062,184 103,494SCOTT & WHITE GRP600102 93,06989.24% 0.10% 96.35%$343,651,363 109,530FIRSTCARE GRP3549103 107,54386.04% 0.10% 96.45%$341,769,551 39,751HEALTH FIRST GRP4740104 36,57184.25% 0.10% 96.55%$332,244,245 131,676COMMUNITY FIRST GRP2738105 131,16987.75% 0.10% 96.64%$319,895,655 30,015KS PLAN ADMINISTRATORS LLC12827106 30,01585.67% 0.09% 96.74%$307,218,309 60,732MAINE COMM HLTH OPTIONS15077107 40,898107.52% 0.09% 96.82%$307,008,706 101,005NORIDIAN MUT INS CO55891108 82,05684.34% 0.09% 96.91%$302,950,152 27,345SANFORD HLTH GRP1246109 24,652101.04% 0.09% 97.00%$295,028,400 1,259,630FHC HLTH SYSTEMS GRP965110 1,259,63083.21% 0.08% 97.08%$292,966,146 30,580SUMMA HLTH GRP3259111 30,58090.94% 0.08% 97.17%$291,948,136 46,974CATHOLIC HLTH INITIATIVES GRP4807112 45,60995.69% 0.08% 97.25%$287,631,794 116,151TENNESSEE RURAL HLTH GRP4677113 84,50081.91% 0.08% 97.33%$283,416,327 31,920COMMUNITYCARE GRP3487114 31,23790.05% 0.08% 97.42%$270,953,178 35,722MARTINS POINT GRP4848115 35,72299.38% 0.08% 97.49%$270,581,201 0ALOHA CARE95853116 098.06% 0.08% 97.57%$260,936,927 382,423COLORADO ACCESS GRP4781117 382,42394.88% 0.07% 97.65%$253,971,061 48,193PREFERRED MEDICAL PLAN INC95271118 31,64678.07% 0.07% 97.72%$248,226,772 47,112UPPER PENINSULA HLTH PLAN LLC52615119 47,11284.30% 0.07% 97.79%$239,553,375 74,573HARVARD PILGRIM HLTH CARE GRP595120 64,87490.47% 0.07% 97.86%$237,822,435 132,932CHILDRENS COMM HLTH PLAN INC13739121 132,93287.30% 0.07% 97.93%$236,539,379 72,730MISSISSIPPI INS GRP1126122 66,90089.54% 0.07% 97.99%$217,025,663 42,592FREELANCERS CONSUMER OPERATED & ORIE15197123 31,62594.50% 0.06% 98.06%$216,132,297 72,442COLORADO HLTH INS COOP INC15126124 45,398118.85% 0.06% 98.12%$191,364,702 20,863VANTAGE HLTH GRP4783125 19,01084.58% 0.05% 98.17%

$348,678,570,467 83,697,008Grand Total 77,749,45287.75% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share for Property/Casualty

Grand Total for Individual business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

$693,087,913 867,763STATE FARM GRP1761 811,48891.73% 54.49% 54.49%$329,384,790 177,614CNA INS GRP2182 177,614304.29% 25.90% 80.38%

$76,829,178 42,159BERKSHIRE HATHAWAY GRP313 41,89270.33% 6.04% 86.42%$35,986,653 13,043AMERICAN FAMILY INS GRP4734 12,65484.71% 2.83% 89.25%$24,214,518 9,770AMERICAN FIDELITY & LIBERTY INC GRP12895 9,770119.51% 1.90% 91.16%$22,303,778 117,663UPMC HLTH SYSTEM GRP13246 117,66390.56% 1.75% 92.91%$17,539,116 7,091TOKIO MARINE HOLDINGS INC GRP30987 216(40.27)% 1.38% 94.29%$17,074,826 243,809METROPOLITAN GRP2418 93,77338.20% 1.34% 95.63%$13,555,438 0AMERICAN INTL GRP129 32195.54% 1.07% 96.70%

$9,455,866 90,714CHUBB INC GRP3810 56,66434.59% 0.74% 97.44%$7,692,866 0CHUBB LTD GRP62611 066.88% 0.60% 98.05%$5,438,413 251,231ALLIANZ INS GRP76112 155,82234.93% 0.43% 98.47%$3,571,416 325SWISS RE GRP18113 32523.94% 0.28% 98.75%$2,301,859 2,460CENTENNIAL CAS CO3456814 2,4600.00% 0.18% 98.94%$1,447,395 1,151ISLAND HOME INS CO3165815 60730.76% 0.11% 99.05%$1,388,899 16,425LEON HIX GRP474816 13,2424.62% 0.11% 99.16%$1,386,206 2,350GENEVE HOLDINGS INC GRP45017 1,47546.28% 0.11% 99.27%$1,333,832 0OLD REPUBLIC GRP15018 068.78% 0.10% 99.37%$1,290,225 35,305TRAVELERS GRP354819 1,23219.24% 0.10% 99.47%$1,138,096 20,341MUNICH RE GRP36120 20,31846.03% 0.09% 99.56%

$912,190 0UNDERWRITERS AT LLOYDS3272721 049.34% 0.07% 99.63%$760,061 1,918AMTRUST NGH GRP253822 1,28532.04% 0.06% 99.69%$660,439 216,360NATIONWIDE CORP GRP14023 7,85611.23% 0.05% 99.75%$462,252 69,081ARCH INS GRP127924 96,89567.06% 0.04% 99.78%$448,609 0AMERICAN FINANCIAL GRP8425 0(10.36)% 0.04% 99.82%$416,300 147ARMCO INS INC GRP14326 105505.51% 0.03% 99.85%$365,206 864WARRIOR INVICTUS HOLDING CO GRP472727 71938.26% 0.03% 99.88%$318,034 324NATIONAL INS CO OF WI INS3015528 32471.80% 0.03% 100.00%$190,084 32FEDERATED MUT GRP729 25213.60% 0.01% 100.00%$180,031 4,206TIPTREE FIN GRP471830 4,20121.47% 0.01% 100.00%$171,499 297AEGIS GRP31331 29732.68% 0.01% 100.00%$125,268 116HIGHMARK GRP81232 116259.08% 0.01% 100.00%$122,003 1,921FORTRESS GRP471633 1,1650.34% 0.01% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share for Property/Casualty

Grand Total for Individual business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

$76,868 2,346INSUREMAX INS CO1092234 2,3460.00% 0.01% 100.00%$67,283 67FARMERS INS GRP6935 6739.29% 0.01% 100.00%$53,730 325AMEX ASSUR CO2792836 221130.70% 0.00% 100.00%$39,143 59,287ASSURANT INC GRP1937 59,287(79.63)% 0.00% 100.00%$38,660 76LIBERTY MUT GRP11138 7473.35% 0.00% 100.00%$37,489 76SELECTIVE INS GRP24239 7692.38% 0.00% 100.00%$31,407 247VIRGINIA FARM BUREAU GRP20340 24759.01% 0.00% 100.00%$29,993 126ACCESS INS CO1171141 1260.00% 0.00% 100.00%$16,138 345AEGON US HOLDING GRP46842 1495.51% 0.00% 100.00%$13,616 12FRANKENMUTH GRP130943 12163.54% 0.00% 100.00%

$5,762 19OHIO MUT GRP96344 1910.41% 0.00% 100.00%$5,269 20HORACE MANN GRP30045 1578.86% 0.00% 100.00%$4,904 0STATE AUTO MUT GRP17546 0(0.12)% 0.00% 100.00%$3,124 734CLOISTER MUT & WINDSOR MOUNT JOY GRP477447 7340.96% 0.00% 100.00%$2,651 1MOTORISTS MUT GRP29148 132.03% 0.00% 100.00%

$500 0LOCKHART CO GRP470649 00.00% 0.00% 100.00%$474 3ARROWPOINT CAPITAL GRP55350 2494.09% 0.00% 100.00%$228 1ALLEGHANY GRP50151 1(5,803.95)% 0.00% 100.00%$128 6MERCHANTS MUT GRP22652 60.00% 0.00% 100.00%

$9 0ZURICH INS GRP21253 0(2,922.22)% 0.00% 100.00%

$1,271,980,635 2,258,171Grand Total 1,693,907141.72% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share for Fraternal

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

$315,809,950 227,960THRIVENT FINANCIAL FOR LUTHERANS GRP29381 211,160175.94% 52.03% 52.03%$64,756,657 47,030ORDER OF UNITED COMMERCIAL TRAVELERS563832 44,78675.85% 10.67% 62.70%$62,016,691 49,299KNIGHTS OF COLUMBUS580333 49,21595.22% 10.22% 72.92%$50,056,329 18,144ASSURED LIFE ASSN564994 18,14474.21% 8.25% 81.17%$39,024,185 18,794EVERENCE GRP46165 16,43771.51% 6.43% 87.60%$31,682,977 8,726ROYAL NEIGHBORS OF AMER576576 8,72668.12% 5.22% 92.82%$19,028,225 97,244POLICE & FIREMENS INS ASSN580097 97,24453.90% 3.14% 95.95%$11,199,974 40,116WOODMEN WORLD LIFE INS SOC573208 37,75392.85% 1.85% 97.80%

$3,445,165 39,803UNITED TRANSPORTATION UNION INS ASSN564139 30,59321.95% 0.57% 98.36%$3,303,183 12,381INDEPENDENT ORDER OF FORESTERS US BR5806810 12,38156.75% 0.54% 98.91%$1,899,626 8,076UNITED STATES LETTER CARRIERS MUT BE5645611 6,34341.33% 0.31% 99.22%$1,135,476 8,156CATHOLIC ORDER OF FORESTERS5748712 8,156821.25% 0.19% 99.41%

$979,796 0KSKJ LIFE AMER SLOVENIAN CATHOLIC UN5622713 082.02% 0.16% 99.57%$505,962 150SPJST5743614 15065.70% 0.08% 99.65%$489,681 468WESTERN CATHOLIC UNION5771115 46875.38% 0.08% 99.73%$390,124 0EMPLOYES MUT BENEFIT ASSN5604916 96955.08% 0.06% 99.80%$377,952 24,292TRAVELERS PROTECTIVE ASSN OF AMER5600617 24,29271.88% 0.06% 99.86%$280,822 306LOYAL CHRISTIAN BENEFIT ASSN5675818 30672.35% 0.05% 100.00%$172,015 455NATIONAL MUT BENEFIT5607319 45569.06% 0.03% 100.00%$116,955 440MODERN WOODMEN OF AMER5754120 440292.48% 0.02% 100.00%

$99,053 489CATHOLIC FINANCIAL LIFE5603021 48982.49% 0.02% 100.00%$41,790 3,470CROATIAN FRATERNAL UNION OF AMER5663422 4,28483.21% 0.01% 100.00%$27,720 157SONS OF NORWAY5714223 136208.10% 0.00% 100.00%$27,015 4,853SLOVENE NATL BENEFIT SOCIETY5767324 4,853(301.25)% 0.00% 100.00%$21,834 2,083GLEANER LIFE INS SOCIETY5615425 2,083335.44% 0.00% 100.00%$21,751 9CSA FRATERNAL LIFE5613826 952.32% 0.00% 100.00%$20,248 1,050GREEK CATHOLIC UNION OF THE USA5669327 1,050103.67% 0.00% 100.00%$14,355 0POLISH FALCONS OF AMER5682028 075.42% 0.00% 100.00%

$7,960 0UKRAINIAN NATL ASSN INC5721529 030.88% 0.00% 100.00%$182 3CATHOLIC HOLY FAMILY SOCIETY5777030 30.00% 0.00% 100.00%

$606,953,653 613,954GRAND TOTAL 580,925129.61% 100.00%

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Market Share by Line of Business

Individual Business

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Comprehensive Major Medical

$6,748,286,973 1,619,398HCSC GRP9171 1,000,324117.81% 11.64% 11.64%$4,718,855,761 1,145,967ANTHEM INC GRP6712 734,62986.23% 8.14% 19.77%$3,949,416,244 1,137,920HUMANA GRP1193 747,31599.76% 6.81% 26.58%$3,613,090,113 1,003,917AETNA GRP14 635,65395.95% 6.23% 32.81%$3,368,596,634 574,768GUIDEWELL MUT HOLDING GRP5365 379,17282.97% 5.81% 38.62%$3,055,265,338 696,979UNITEDHEALTH GRP7076 463,448108.28% 5.27% 43.89%$2,573,520,157 511,085BCBS OF NC INC546317 339,409100.13% 4.44% 48.33%$1,433,024,421 354,378HIGHMARK GRP8128 343,763134.95% 2.47% 50.80%$1,425,775,493 233,287ASSURANT INC GRP199 135,760127.43% 2.46% 53.26%$1,198,099,532 246,832BCBS OF MI GRP57210 159,32184.81% 2.07% 55.32%$1,177,357,294 200,039INDEPENDENCE HLTH GRP INC GRP93611 131,01096.56% 2.03% 57.35%$1,109,418,002 205,115CIGNA HLTH GRP90112 120,224100.82% 1.91% 59.26%$1,102,046,021 366,786CAREFIRST INC GRP38013 229,996102.90% 1.90% 61.17%

$960,686,165 248,277ARKANSAS BCBS GRP87614 202,49592.97% 1.66% 62.82%$866,008,652 198,878PREMERA BLUE CROSS GRP96215 129,771105.03% 1.49% 64.31%$865,885,766 231,255BCBS OF TN GRP349816 154,555121.57% 1.49% 65.81%$829,789,779 201,362BCBS OF MN GRP46117 123,590133.45% 1.43% 67.24%$807,941,523 164,306LOUISIANA HLTH SERV GRP43818 107,114101.61% 1.39% 68.63%$805,859,050 200,625BCBS OF AL GRP57019 133,957120.17% 1.39% 70.02%$794,991,885 168,227BCBS OF NJ GRP120220 107,87782.07% 1.37% 71.39%$660,627,467 217,767KAISER FOUNDATION GRP60121 148,278124.04% 1.14% 72.53%$632,282,717 97,347HEALTH NET INC GRP62322 58,312136.82% 1.09% 73.62%$626,671,851 188,321MOLINA HEALTHCARE INC GRP153123 138,01177.53% 1.08% 74.70%$607,345,006 138,969MEDICAL MUT OF OH GRP73024 82,42697.35% 1.05% 75.75%$605,073,451 123,189OREGON DENTAL GRP131325 80,252119.50% 1.04% 76.79%$554,813,504 149,167BCBS OF AZ INC5358926 86,426105.32% 0.96% 77.75%$548,264,314 176,581BCBS OF SC GRP66127 118,18292.45% 0.95% 78.69%$516,391,907 120,601CAMBIA HEALTH SOLUTIONS INC120728 72,22394.68% 0.89% 79.59%$470,192,587 147,447CENTENE CORP GRP129529 115,63972.08% 0.81% 80.40%$462,131,660 98,446EMBLEM HLTH GRP112730 63,59898.50% 0.80% 81.19%$454,145,083 120,016WELLMARK INC GRP77031 68,102104.30% 0.78% 81.98%$377,020,251 141,193IHC INC GRP88032 64,481192.73% 0.65% 82.63%$320,219,949 46,117BCBS OF MA GRP363733 24,636104.15% 0.55% 83.18%$312,628,010 74,046BCBS OF KC GRP53734 50,449104.82% 0.54% 83.72%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Comprehensive Major Medical

$307,218,309 60,732MAINE COMM HLTH OPTIONS1507735 40,898107.52% 0.53% 84.25%$289,759,820 45,445NEIGHBORHOOD HLTH PLAN INC1110936 41,85985.50% 0.50% 84.75%$267,380,401 68,902BCBS OF NE7778037 39,094114.66% 0.46% 85.21%$259,076,989 75,483BCBS OF KS GRP43038 45,361119.84% 0.45% 85.65%$253,954,228 72,499BLUE CROSS OF ID GRP129039 42,362108.94% 0.44% 86.09%$241,920,039 79,146TUFTS GRP474240 74,06886.68% 0.42% 86.51%$218,281,725 37,815WISCONSIN PHYSICIANS SERV INS GRP6841 25,353119.58% 0.38% 86.89%$217,025,663 42,592FREELANCERS CONSUMER OPERATED & ORIE1519742 31,62594.50% 0.37% 87.26%$216,132,297 72,442COLORADO HLTH INS COOP INC1512643 45,398118.85% 0.37% 87.63%$214,769,069 66,451SPECTRUM HLTH GRP338344 39,49485.09% 0.37% 88.00%$203,237,190 60,088MISSISSIPPI INS GRP112645 54,33790.24% 0.35% 88.35%$201,151,981 47,908PREFERRED MEDICAL PLAN INC9527146 31,44076.27% 0.35% 88.70%$200,639,078 27,734LIFETIME HLTHCARE GRP118647 19,42574.83% 0.35% 89.05%$191,644,193 63,085CARESOURCE GRP368348 44,60692.90% 0.33% 89.38%$191,621,551 40,429NORIDIAN MUT INS CO5589149 21,48088.31% 0.33% 89.71%$190,025,785 44,026BLUE SHIELD OF CA GRP279850 28,29080.20% 0.33% 90.03%$187,005,862 31,433SENTARA HLTH MGMT GRP118351 31,441119.04% 0.32% 90.36%$182,340,540 45,717GROUP HLTH COOP GRP118552 32,11487.59% 0.31% 90.67%$176,012,391 38,504MVP GRP119853 26,99589.07% 0.30% 90.97%$168,341,165 30,431SECURITY HLTH PLAN OF WI INC9688154 22,034101.85% 0.29% 91.27%$159,482,811 26,942BCBS OF VT GRP474555 17,79795.40% 0.27% 91.54%$159,198,627 57,604TENNESSEE RURAL HLTH GRP467756 25,95389.43% 0.27% 91.81%$158,438,691 39,782DEAN HLTH GRP129457 26,469117.83% 0.27% 92.09%$150,714,419 25,265ROCKY MOUNTAIN HLTH GRP118458 15,997137.71% 0.26% 92.35%$141,598,517 32,797HARVARD PILGRIM HLTH CARE GRP59559 23,09898.10% 0.24% 92.59%$138,142,030 39,089MONTANA HLTH COOPERATIVE1493360 20,960127.53% 0.24% 92.83%$132,928,813 30,603COMMON GROUND HLTHCARE COOP1506161 22,115136.37% 0.23% 93.06%$129,508,454 66,308TRIPLE S GRP480262 43,98491.04% 0.22% 93.28%$127,281,216 55,612MULBERRY HLTH GRP481863 38,430125.88% 0.22% 93.50%$122,350,951 27,115GEISINGER INS GRP114364 18,759113.70% 0.21% 93.71%$121,652,198 23,582BCBS OF RI5347365 15,66888.73% 0.21% 93.92%$121,158,151 23,822CATHOLIC HLTH INITIATIVES GRP480766 22,45788.46% 0.21% 94.13%$120,420,243 35,320LAND OF LINCOLN MUT HLTH INS CO1510267 22,136135.88% 0.21% 94.34%$120,232,965 47,989COMPASS COOPERATIVE GRP478668 28,39297.13% 0.21% 94.55%

© 2016 National Association of Insurance Commissioners 76

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Comprehensive Major Medical

$119,540,000 53,592HEALTHPARTNERS GRP125869 31,968110.88% 0.21% 94.75%$117,751,662 30,105MEDICA GRP155270 19,284112.62% 0.20% 94.96%$111,632,118 17,677BCBS OF WY5376771 11,31494.03% 0.19% 95.15%$111,472,277 15,592INDIANA UNIVERSITY HLTH GRP463772 15,59280.94% 0.19% 95.34%$105,658,530 25,972HAWAII MEDICAL SERV ASSN4994873 19,648115.16% 0.18% 95.52%

$96,781,403 17,321HEALTHYCT INC1504674 13,04196.34% 0.17% 95.69%$95,763,856 28,406SCOTT & WHITE GRP60075 17,98192.16% 0.17% 95.85%$94,586,747 23,805COMMUNITY HLTH ALLIANCE MUT INS CO1514476 17,041111.87% 0.16% 96.02%$93,121,477 22,271CARLE HOLDING CO GRP119277 14,739107.18% 0.16% 96.18%$88,988,716 29,855PROVIDENCE HLTH GRP478878 17,976141.91% 0.15% 96.33%$86,469,227 22,356HEALTHPLUS OF MI GRP340979 11,111123.82% 0.15% 96.48%$83,626,515 29,679EVERGREEN HLTH COOP INC1509080 29,67979.28% 0.14% 96.63%$83,606,812 30,888BOSTON MEDICAL CENTER HLTH PLAN INC1320381 30,88880.12% 0.14% 96.77%$80,533,731 23,401NORTH SHORE LIJ HLTH CARE GRP479382 12,883108.06% 0.14% 96.91%$80,412,167 19,739PACIFICSOURCE HLTH PLAN GRP470483 14,310143.14% 0.14% 97.05%$79,485,953 31,991COMMUNITY HLTH CHOICE INC9561584 19,80879.02% 0.14% 97.18%$78,313,149 16,696UNITY HLTH PLANS INS CORP9579685 11,55598.99% 0.14% 97.32%$77,430,445 17,687HENRY FORD HLTH SYSTEM GRP131186 11,10570.76% 0.13% 97.45%$71,859,201 12,611ALLIANT HLTH PLANS INC1125687 12,35678.08% 0.12% 97.58%$71,643,208 17,775COORDINATED HLTH MUT INC1531488 10,422193.03% 0.12% 97.70%$62,534,797 17,785PRESBYTERIAN HLTHCARE SERV GRP48189 14,56074.13% 0.11% 97.81%$62,452,581 6,830WINHEALTH PARTNERS9540190 4,282106.96% 0.11% 97.92%$58,337,607 19,989NEW MEXICO HLTH CONNECTIONS1501191 19,989105.59% 0.10% 98.02%$54,913,895 14,887AVMED INC9526392 8,54394.71% 0.09% 98.11%$48,490,511 12,976SOUTH DAKOTA STATE MED HOLDING CO9659893 8,821139.05% 0.08% 98.19%$45,048,985 11,430AVERA HLTH PLANS INC9583994 7,869146.25% 0.08% 98.27%$44,087,358 9,679HEALTH FIRST GRP474095 6,49987.46% 0.08% 98.35%$43,165,809 16,497NEIGHBORHOOD HLTH PLAN OF RI INC9540296 16,49770.00% 0.07% 98.42%$42,534,606 14,734HEALTHSPAN PARTNERS GRP483197 9,562181.94% 0.07% 98.50%$42,004,626 12,249CAPITAL BLUE CROSS GRP123098 8,090117.99% 0.07% 98.57%$41,812,796 9,231HEALTH NOW NY INC5520499 6,76285.40% 0.07% 98.64%$40,225,312 4,600CDPHP INC GRP4708100 3,35082.24% 0.07% 98.71%$39,022,963 24,147MEDICAL CARD SYSTEM INC GRP1301101 16,958118.07% 0.07% 98.78%$38,088,488 8,543OREGONS HLTH COOP15095102 8,543133.68% 0.07% 98.84%

© 2016 National Association of Insurance Commissioners 77

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Comprehensive Major Medical

$36,252,508 6,791VANTAGE HLTH GRP4783103 4,93890.90% 0.06% 98.91%$34,704,678 7,276FALLON GRP4741104 5,23699.30% 0.06% 98.96%$32,927,757 8,021TOTAL HLTH GRP1238105 5,32078.89% 0.06% 99.02%$32,870,569 8,540PHP INDIANA GRP3828106 4,943125.35% 0.06% 99.08%$31,776,882 12,813MINUTEMAN HLTH INC15010107 9,524149.57% 0.05% 99.13%$31,591,227 7,383AULTMAN HLTH FOUNDATION GRP4805108 4,49279.19% 0.05% 99.19%$31,281,649 6,197HEALTH TRADITION HLTH PLAN96628109 4,288112.03% 0.05% 99.24%$30,567,203 4,516GUNDERSEN LUTHERAN HLTH GRP4751110 3,267112.36% 0.05% 99.29%$26,928,962 6,469FIRSTCARE GRP3549111 4,482112.70% 0.05% 99.34%$26,708,066 9,781COX INS GRP1203112 6,26181.06% 0.05% 99.39%$24,552,864 5,060BAYSTATE HLTH GRP4756113 3,81283.10% 0.04% 99.43%$23,667,503 7,082SANFORD HLTH GRP1246114 4,389136.74% 0.04% 99.47%$23,649,380 1,298COMMUNITY HLTH PLAN OF WA47049115 1,29872.59% 0.04% 99.51%$21,762,184 9,890UCARE GRP4380116 6,467126.08% 0.04% 99.55%$21,451,982 4,257INDEPENDENT HLTH BENEFITS CORP47034117 3,082101.55% 0.04% 99.59%$21,263,631 4,104SUMMA HLTH GRP3259118 4,10494.24% 0.04% 99.62%$19,346,068 6,024SENDERO HLTH PLANS INC14151119 3,59690.82% 0.03% 99.66%$18,233,092 48,710HEALTH REPUBLIC INS CO15114120 35,102191.62% 0.03% 99.69%$17,243,098 4,864AXA INS GRP968121 3,391158.39% 0.03% 99.72%$17,041,441 3,287SAINT MARYS HLTH CARE CORP GRP2418122 2,180125.72% 0.03% 99.75%$13,706,035 4,054UPMC HLTH SYSTEM GRP1324123 4,05496.56% 0.02% 99.77%$12,227,075 4,481HEALTH CHOICE INS CO15081124 2,84791.23% 0.02% 99.79%$11,907,067 2,388PIEDMONT COMM HLTH GRP4845125 1,47778.11% 0.02% 99.81%

$57,994,993,938 14,032,806Grand Total 9,276,613103.82% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Short-Term Medical

$61,014,996 46,107TOKIO MARINE HOLDINGS INC GRP30981 46,10748.91% 38.02% 38.02%$40,013,713 24,777HCSC GRP9172 16,660112.60% 24.93% 62.95%$17,026,531 56ASSURANT INC GRP193 3656.55% 10.61% 73.56%$11,535,958 13,246UNITEDHEALTH GRP7074 8,12940.11% 7.19% 80.75%

$4,459,490 12,988GENEVE HOLDINGS INC GRP4505 8,61556.33% 2.78% 83.53%$4,273,820 9,138AMTRUST NGH GRP25386 4,80241.76% 2.66% 86.19%$3,497,859 2,377MEDICAL MUT OF OH GRP7307 1,56158.54% 2.18% 88.37%$2,347,616 4,355BCBS OF TN GRP34988 3,068149.25% 1.46% 89.84%$1,969,468 2,477BLUE CROSS OF ID GRP12909 1,62682.40% 1.23% 91.06%$1,685,548 1,631SPECTRUM HLTH GRP338310 1,63138.89% 1.05% 92.11%$1,650,895 2,017BCBS OF KC GRP53711 1,47873.04% 1.03% 93.14%$1,588,309 2,574BCBS OF MN GRP46112 1,63581.63% 0.99% 94.13%$1,209,253 2,715IHC INC GRP88013 2,715120.94% 0.75% 94.89%$1,176,499 794WISCONSIN PHYSICIANS SERV INS GRP6814 57091.81% 0.73% 95.62%$1,155,225 977BCBS OF SC GRP66115 977152.78% 0.72% 96.34%$1,023,211 411STANDARD LIFE & CAS INS CO7170616 23824.64% 0.64% 96.98%

$795,052 13,464MUNICH RE GRP36117 13,44144.91% 0.50% 97.47%$786,196 1,255ARKANSAS BCBS GRP87618 93356.21% 0.49% 97.96%$667,556 1,209NEW ERA LIFE GRP52019 71345.25% 0.42% 98.38%$649,574 685HIGHMARK GRP81220 68586.94% 0.40% 98.78%$497,125 0COOPERATIVA DE SEGUROS DE VIDA7971521 012.30% 0.31% 99.09%$451,082 835PREFERREDONE GRP349222 57831.58% 0.28% 99.37%$296,789 512CAPITAL BLUE CROSS GRP123023 58475.47% 0.18% 99.56%$160,680 22WESTBRIDGE CAPITAL GRP83924 12726.89% 0.10% 99.66%$134,600 0AMERICAN ENTERPRISE MUT GRP352725 049.45% 0.08% 99.74%$122,544 3,083JACKSON NATL GRP91826 2,5822.58% 0.08% 99.82%$103,403 0NORTH CAROLINA MUT LIFE INS CO6703227 050.50% 0.06% 99.88%

$94,833 380CARLE HOLDING CO GRP119228 26695.80% 0.06% 100.00%$60,322 0MEDICA GRP155229 019.31% 0.04% 100.00%$27,008 33CATHOLIC HLTH INITIATIVES GRP480730 3370.53% 0.02% 100.00%

$4,556 0HEALTH NET INC GRP62331 0(52.35)% 0.00% 100.00%$453 0HUMANA GRP11932 022,349.67% 0.00% 100.00%

$160,479,704 148,118Grand Total 119,67569.76% 100.00%

© 2016 National Association of Insurance Commissioners 79

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Other Medical (Non-Comprehensive)

$630,894,107 2,920,924AFLAC GRP3701 1,472,30455.90% 47.76% 47.76%$189,628,810 26,569UPMC HLTH SYSTEM GRP13242 22,513101.52% 14.35% 62.11%$100,641,045 419,202STATE FARM GRP1763 363,01256.75% 7.62% 69.73%

$72,089,357 175,141UNUMPROVIDENT CORP GRP5654 175,14157.77% 5.46% 75.19%$52,767,214 0TRIPLE S GRP48025 060.36% 3.99% 79.18%$48,799,215 107,579GUARANTEE TRUST GRP6876 106,93634.70% 3.69% 82.87%$38,376,044 53,312KEMPER CORP GRP2157 41,36559.25% 2.90% 85.78%$31,957,557 95,640PHYSICIANS MUT GRP3678 79,32430.03% 2.42% 88.20%$27,084,488 12,592ASSURANT INC GRP199 9,60938.94% 2.05% 90.25%$17,669,125 75,022HEALTHMARKETS GRP26410 51,15826.06% 1.34% 91.59%$17,262,418 11,373AMERICAN NATL FIN GRP40811 8,22840.36% 1.31% 92.89%$17,158,284 58,574ALLSTATE INS GRP812 29,42864.13% 1.30% 94.19%

$9,703,112 97,793TORCHMARK CORP GRP29013 60,22729.35% 0.73% 94.93%$8,066,763 8,602WESTBRIDGE CAPITAL GRP83914 4,94626.84% 0.61% 95.54%$6,057,684 17,089CNO FINANCIAL GRP23315 16,17755.84% 0.46% 95.99%$4,394,168 50,922AEGON US HOLDING GRP46816 34,95431.38% 0.33% 96.33%$3,737,880 18,664AMERICAN ENTERPRISE MUT GRP352717 17,91932.27% 0.28% 96.61%$3,653,592 7,190CVS CAREMARK GRP466718 6,8236.74% 0.28% 96.89%$3,619,763 5,827HEARTLAND NATL LIFE INS CO6621419 5,82735.98% 0.27% 97.16%$3,277,882 4,777ATLANTIC AMER GRP58720 4,77770.19% 0.25% 97.41%$3,095,502 1,813CROY HALL MGMT GRP133921 1,02320.72% 0.23% 97.64%$2,426,014 78,524AMERICAN INTL GRP1222 69,64481.31% 0.18% 97.83%$2,424,403 47,056MUTUAL OF OMAHA GRP26123 39,22981.20% 0.18% 98.01%$2,130,462 99,982NATIONAL TEACHERS ASSOC LIFE GROUP479624 14,28145.80% 0.16% 98.17%$2,105,183 0COOPERATIVA DE SEGUROS DE VIDA7971525 026.97% 0.16% 98.33%$2,035,530 4,073UNIVERSAL AMER FIN CORP GRP95326 3,90942.15% 0.15% 98.49%$1,905,648 3,003LIFE INS CO OF AL6541227 2,14340.32% 0.14% 98.63%$1,814,870 7,369WOODMEN WORLD LIFE INS SOC5732028 5,00659.62% 0.14% 98.77%$1,553,464 4,483ASSURITY LIFE INS CO7143929 2,58862.87% 0.12% 98.88%$1,546,833 3,140AMERICAN FIDELITY CORP GRP33030 2,39246.63% 0.12% 99.00%$1,433,561 6,529SUN LIFE ASSUR CO OF CN GRP54931 4,35296.02% 0.11% 99.11%$1,296,257 2,566ARKANSAS BCBS GRP87632 52644.87% 0.10% 99.21%

$979,796 0KSKJ LIFE AMER SLOVENIAN CATHOLIC UN5622733 082.02% 0.07% 99.28%$763,832 7,753BCBS OF KS GRP43034 6,17521.85% 0.06% 99.34%

© 2016 National Association of Insurance Commissioners 80

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Other Medical (Non-Comprehensive)

$757,194 403STANDARD LIFE & CAS INS CO7170635 22326.63% 0.06% 99.40%$642,854 6,283PRUDENTIAL OF AMER GRP30436 5,501(195.14)% 0.05% 99.45%$531,509 1,772CIGNA HLTH GRP90137 207.67% 0.04% 99.49%$530,011 2,709LOUISIANA HLTH SERV GRP43838 1,8511.81% 0.04% 99.53%$528,432 2,312NEW YORK LIFE GRP82639 1,95029.54% 0.04% 99.57%$486,844 1,108METROPOLITAN GRP24140 998(105.41)% 0.04% 99.60%$399,153 365AMERICAN FIDELITY & LIBERTY INC GRP128941 36532.11% 0.03% 99.63%$380,182 122AXA INS GRP96842 11179.68% 0.03% 99.66%$352,787 1,244TRUSTMARK MUT HOLDING CO GRP27643 96013.04% 0.03% 99.69%$330,603 3,478THRIVENT FINANCIAL FOR LUTHERANS GRP293844 2,722(0.36)% 0.03% 99.71%$264,595 246UNITED SECURITY ASSUR CO OF PA4212945 246(26.53)% 0.02% 99.73%$258,244 905WILTON RE GRP421346 905230.14% 0.02% 99.75%$257,149 406NATIONWIDE CORP GRP14047 371235.04% 0.02% 99.77%$254,062 3,143ATHENE GRP473448 1,850(0.78)% 0.02% 99.79%$249,944 545PRIMERICA GRP475049 54535.36% 0.02% 99.81%$217,992 1,018IOWA FARM BUREAU GRP51350 1,018(2.40)% 0.02% 99.83%$200,906 1,473GENERAL ELECTRIC GRP35051 1,222(25.03)% 0.02% 99.84%$196,227 350UNITED SERV AUTOMOBILE ASSN GRP20052 35051.72% 0.01% 99.86%$174,495 285CITIZENS SECURITY LIFE INS CO6192153 28582.80% 0.01% 99.87%$163,200 175TEACHERS PROTECTIVE MUT LIFE INS CO6935354 17526.04% 0.01% 99.88%$162,767 1,185KANSAS CITY LIFE INS GRP58855 1,18419.01% 0.01% 99.90%$140,657 1,405HC2 HOLDINGS GRP485256 1,22538.88% 0.01% 100.00%$124,911 520PROTECTIVE LIFE INS GRP45857 520253.99% 0.01% 100.00%$121,110 290ADVANTAGE CAPITAL GRP482458 29029.29% 0.01% 100.00%$112,580 612JOHN HANCOCK GRP90459 533(12,858.55)% 0.01% 100.00%$111,017 53AMERICAN FAMILY INS GRP47360 4797.53% 0.01% 100.00%

$85,582 678COMMERCIAL TRAVELERS MUT INS CO8142661 6785.68% 0.01% 100.00%$83,277 360NEW ERA LIFE GRP52062 30275.28% 0.01% 100.00%$74,216 406ORDER OF UNITED COMMERCIAL TRAVELERS5638363 34465.06% 0.01% 100.00%$74,065 564SOUTHERN FARM BUREAU LIFE INS CO6889664 517(14.61)% 0.01% 100.00%$61,176 32AETNA GRP165 323,233.01% 0.00% 100.00%$48,442 205LINCOLN NATL GRP2066 205(30.13)% 0.00% 100.00%$44,829 260BCBS OF MI GRP57267 26065.29% 0.00% 100.00%$34,860 216JACKSON NATL GRP91868 21422.90% 0.00% 100.00%

© 2016 National Association of Insurance Commissioners 81

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Other Medical (Non-Comprehensive)

$34,685 187MAXIMUM CORP GRP52669 1725.66% 0.00% 100.00%$31,483 0HARTFORD FIRE & CAS GRP9170 01,328.80% 0.00% 100.00%$26,342 177JEFFERSON NATIONAL GRP483671 182435.62% 0.00% 100.00%$17,270 56GOLDMAN SACHS GRP389172 48900.87% 0.00% 100.00%$16,816 90ILLINOIS MUT LIFE INS CO6458073 7995.56% 0.00% 100.00%$15,833 599UNIVERSAL GUAR LIFE INS CO7013074 521(174.45)% 0.00% 100.00%$13,448 1,551SLOVENE NATL BENEFIT SOCIETY5767375 1,551(76.75)% 0.00% 100.00%$13,151 39STARMOUNT LIFE INS CO6898576 3971.10% 0.00% 100.00%$10,685 44CATHOLIC FINANCIAL LIFE5603077 44107.39% 0.00% 100.00%$10,632 118VOYA FINANCIAL GRP483278 116(162.02)% 0.00% 100.00%

$9,229 75AMERITAS MUT HOLDING GRP94379 751,056.55% 0.00% 100.00%$8,606 25HORACE MANN GRP30080 2053.01% 0.00% 100.00%$7,966 40SECURITY MUT LIFE INS CO OF NY6877281 3617.52% 0.00% 100.00%$7,364 37MIDWEST HOLDING GRP473282 3756.02% 0.00% 100.00%$6,718 67COLUMBIAN LIFE GRP53583 67(59.69)% 0.00% 100.00%$6,641 213UNITED TRANSPORTATION UNION INS ASSN5641384 210(59.70)% 0.00% 100.00%$5,584 35AMERICAN FINANCIAL GRP8485 35(78.33)% 0.00% 100.00%$4,165 57NATIONAL GUARDIAN LIFE INS GRP121186 27239.42% 0.00% 100.00%$3,605 43SONS OF NORWAY5714287 43(85.55)% 0.00% 100.00%$2,632 21KNIGHTS OF COLUMBUS5803388 1794.91% 0.00% 100.00%$2,606 29CNA INS GRP21889 29960.25% 0.00% 100.00%$2,402 21FINANCIAL HOLDINGS GRP44990 207.16% 0.00% 100.00%$2,349 0WISCONSIN PHYSICIANS SERV INS GRP6891 0237.34% 0.00% 100.00%$2,182 26HOMESHIELD CAPITAL GRP285892 260.00% 0.00% 100.00%$2,139 6GUARDIAN LIFE GRP42993 52,517.44% 0.00% 100.00%$2,127 24CITIZENS GRP61294 24(57.83)% 0.00% 100.00%$2,100 17STANCORP FIN GRP134895 17(7.43)% 0.00% 100.00%$1,710 11SENTRY INS GRP16996 111,220.53% 0.00% 100.00%$1,514 60CINCINNATI FIN GRP24497 6043.26% 0.00% 100.00%$1,394 0COLONIAL SAVINGS GRP87898 0(23.67)% 0.00% 100.00%$1,287 18AMFIRST HOLDINGS GRP471999 180.00% 0.00% 100.00%

$729 20GENEVE HOLDINGS INC GRP450100 20(99.04)% 0.00% 100.00%$725 1OZARK NATL LIFE INS CO67393101 1689.66% 0.00% 100.00%$632 2SWBC LIFE INS CO99538102 20.00% 0.00% 100.00%

© 2016 National Association of Insurance Commissioners 82

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Other Medical (Non-Comprehensive)

$498 5SECURITY NATL GRP454103 5(118.07)% 0.00% 100.00%$470 3VIRGINIA FARM BUREAU GRP203104 30.00% 0.00% 100.00%$408 3STATE MUT INS CO69132105 30.00% 0.00% 100.00%$312 8FEDERAL LIFE INS CO63223106 83.53% 0.00% 100.00%$203 3MINNESOTA MUT GRP869107 30.00% 0.00% 100.00%$182 3CATHOLIC HOLY FAMILY SOCIETY57770108 30.00% 0.00% 100.00%$179 1BCBS OF SC GRP661109 10.00% 0.00% 100.00%

$84 1SURETY LIFE INS CO69310110 14.76% 0.00% 100.00%

$1,321,065,613 4,473,941Grand Total 2,695,52858.75% 100.00%

© 2016 National Association of Insurance Commissioners 83

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Specified/Named Disease

$1,493,778,594 7,172,971AFLAC GRP3701 3,391,35469.94% 41.77% 41.77%$319,443,344 1,370,513TORCHMARK CORP GRP2902 658,94962.28% 8.93% 50.71%$301,580,782 612,029CNO FINANCIAL GRP2333 432,34683.10% 8.43% 59.14%$298,738,784 764,254UNUMPROVIDENT CORP GRP5654 764,25461.03% 8.35% 67.49%$188,188,505 613,757AMERICAN FIDELITY CORP GRP3305 374,89355.66% 5.26% 72.76%$110,479,648 566,776ALLSTATE INS GRP86 283,33679.47% 3.09% 75.85%

$86,728,589 121,354GUARANTEE TRUST GRP6877 64,87955.90% 2.43% 78.27%$76,993,655 282,701AEGON US HOLDING GRP4688 147,44548.72% 2.15% 80.43%$75,342,538 0CHUBB LTD GRP6269 088.91% 2.11% 82.53%$70,933,553 228,981NATIONAL TEACHERS ASSOC LIFE GROUP479610 168,89457.69% 1.98% 84.52%$52,149,124 180,586HEALTHMARKETS GRP26411 122,66438.53% 1.46% 85.97%$51,283,778 96,906HARRIS INS HOLDINGS GRP111712 58,81149.95% 1.43% 87.41%$42,903,211 134,498HC2 HOLDINGS GRP485213 82,07056.61% 1.20% 88.61%$33,202,481 143,981AMERICAN INTL GRP1214 103,34867.60% 0.93% 89.54%$32,394,135 62,176WESTBRIDGE CAPITAL GRP83915 47,47823.72% 0.91% 90.44%$24,759,990 55,870WILTON RE GRP421316 55,87065.73% 0.69% 91.14%$24,042,623 79,387TRUSTMARK MUT HOLDING CO GRP27617 54,38745.90% 0.67% 91.81%$23,586,004 99,647WEST SOUTHERN GRP83618 44,347115.80% 0.66% 92.47%$21,874,947 64,096ARKANSAS BCBS GRP87619 2,36861.84% 0.61% 93.08%$21,189,052 55,946LIFE INS CO OF AL6541220 31,51357.47% 0.59% 93.67%$20,453,163 111,120MULTINATIONAL GRP480421 60,94448.10% 0.57% 94.24%$20,328,517 81,184CIGNA HLTH GRP90122 66,95123.58% 0.57% 94.81%$20,144,843 99,791HUMANA GRP11923 49,92474.91% 0.56% 95.38%$19,722,018 94,160KEMPER CORP GRP21524 64,24353.09% 0.55% 95.93%$16,380,911 34,847NEW ERA LIFE GRP52025 23,535109.99% 0.46% 96.39%$15,280,944 16,529PROTECTIVE LIFE INS GRP45826 16,52988.04% 0.43% 96.81%$12,978,234 33,860ASSURITY LIFE INS CO7143927 22,59368.48% 0.36% 97.18%$12,960,407 267,901MUTUAL OF OMAHA GRP26128 204,67744.34% 0.36% 97.54%$10,446,357 0COOPERATIVA DE SEGUROS DE VIDA7971529 048.64% 0.29% 97.83%

$9,160,814 79,652ATHENE GRP473430 35,19941.81% 0.26% 98.09%$6,332,723 29,440WOODMEN WORLD LIFE INS SOC5732031 29,44057.51% 0.18% 98.26%$5,891,565 68,068NATIONAL FAMILY CARE LIFE INS CO8695932 38,89613.17% 0.16% 98.43%$5,091,253 26,807AMERICAN NATL FIN GRP40833 17,32171.62% 0.14% 98.57%$5,032,457 5,577ASSURANT INC GRP1934 4,15231.02% 0.14% 98.71%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Specified/Named Disease

$4,560,707 46,947JACKSON NATL GRP91835 25,546185.39% 0.13% 98.84%$3,694,516 20,213PHYSICIANS MUT GRP36736 15,53566.23% 0.10% 98.94%$3,622,767 5,212VOYA FINANCIAL GRP483237 3,17289.94% 0.10% 99.04%$3,351,567 8,622AETNA GRP138 8,62242.01% 0.09% 99.14%$3,118,945 9,514UNIVERSAL AMER FIN CORP GRP95339 7,87670.39% 0.09% 99.22%$2,816,434 23,085UNIFIED LIFE INS CO1112140 17,313147.14% 0.08% 99.30%$2,311,053 5,887CVS CAREMARK GRP466741 5,04491.03% 0.06% 99.37%$2,291,051 32,724SOUTHERN FARM BUREAU LIFE INS CO6889642 19,95577.70% 0.06% 99.43%$2,015,954 24,773SUN LIFE ASSUR CO OF CN GRP54943 14,156127.89% 0.06% 99.49%$1,744,303 8,327AMERICAN ENTERPRISE MUT GRP352744 6,89961.32% 0.05% 99.54%$1,528,591 14,575GENERAL ELECTRIC GRP35045 10,19776.52% 0.04% 99.58%$1,395,350 3,897CROY HALL MGMT GRP133946 2,18923.76% 0.04% 99.62%$1,184,377 20,099BCBS OF KS GRP43047 16,58922.33% 0.03% 99.65%$1,080,594 5,103LOUISIANA HLTH SERV GRP43848 3,9129.75% 0.03% 99.68%$1,003,318 2,637GENEVE HOLDINGS INC GRP45049 2,061(20.33)% 0.03% 99.71%

$849,489 23,164UNITED TRANSPORTATION UNION INS ASSN5641350 17,18765.41% 0.02% 99.73%$800,813 2,832ATLANTIC AMER GRP58751 2,83220.04% 0.02% 99.76%$786,138 3,581BOSTON MUT GRP58152 2,40718.17% 0.02% 99.78%$697,912 2,260STATE MUT INS CO6913253 2,2601.22% 0.02% 99.80%$668,907 1,995JEFFERSON NATIONAL GRP483654 3,082444.33% 0.02% 99.82%$630,177 423GENWORTH FIN GRP401155 42379.45% 0.02% 99.83%$498,570 512EMC NATL LIFE CO6292856 455(44.07)% 0.01% 99.85%$388,200 4,097INDUSTRIAL ALLIANCE GRP31557 4,097170.80% 0.01% 99.86%$351,619 1,440EQUITABLE LIFE & CAS INS CO6295258 1,09418.89% 0.01% 99.87%$347,917 1,027HEARTLAND NATL LIFE INS CO6621459 88966.07% 0.01% 99.88%$333,820 3,410FIDELITY SECURITY GRP45160 1,57727.95% 0.01% 99.89%$326,823 98NATIONWIDE CORP GRP14061 92(2.31)% 0.01% 99.90%$293,454 525FINANCIAL HOLDINGS GRP44962 525308.50% 0.01% 100.00%$285,479 8,209OZARK NATL LIFE INS CO6739363 4,785125.58% 0.01% 100.00%$274,694 1,842STANDARD LIFE & CAS INS CO7170664 1,23350.35% 0.01% 100.00%$242,565 234HARTFORD FIRE & CAS GRP9165 23447.91% 0.01% 100.00%$241,796 753BALTIMORE LIFE INS CO6121266 75317.87% 0.01% 100.00%$236,474 2,259BCBS OF MI GRP57267 2,259186.98% 0.01% 100.00%$206,165 1,046CITIZENS SECURITY LIFE INS CO6192168 1,04628.02% 0.01% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Specified/Named Disease

$192,433 1,517ILLINOIS MUT LIFE INS CO6458069 81311.04% 0.01% 100.00%$184,752 889MAXIMUM CORP GRP52670 83715.64% 0.01% 100.00%$179,771 1,138SURETY LIFE & CAS INS CO6932971 1,050102.06% 0.01% 100.00%$167,938 521WARRIOR INVICTUS HOLDING CO GRP472772 39272.63% 0.00% 100.00%$147,543 1,403AMTRUST NGH GRP253873 834(25.33)% 0.00% 100.00%$127,610 208STERLING INVESTORS LIFE INS CO8918474 208(36.01)% 0.00% 100.00%$126,411 1,260TEACHERS PROTECTIVE MUT LIFE INS CO6935375 1,260268.29% 0.00% 100.00%$100,909 195CENTRAL STATES GRP69076 118501.22% 0.00% 100.00%

$96,122 2,822CITIZENS GRP61277 2,822443.51% 0.00% 100.00%$68,385 1,364NATIONAL LIFE GRP63478 758(25.94)% 0.00% 100.00%$60,078 68NATIONAL GUARDIAN LIFE INS GRP121179 57(1.18)% 0.00% 100.00%$56,651 174SECURITY NATL GRP45480 174189.37% 0.00% 100.00%$49,811 981KANSAS CITY LIFE INS GRP58881 9694.94% 0.00% 100.00%$40,979 239UNITED SECURITY ASSUR CO OF PA4212982 239(16.48)% 0.00% 100.00%$39,579 413LINCOLN NATL GRP2083 413(4.51)% 0.00% 100.00%$37,939 440HORACE MANN GRP30084 2984.05% 0.00% 100.00%$37,299 169MISSISSIPPI INS GRP112685 907.78% 0.00% 100.00%$30,937 244VIRGINIA FARM BUREAU GRP20386 24459.90% 0.00% 100.00%$30,528 322AMERCO CORP GRP57487 32249.21% 0.00% 100.00%$19,573 339FORTRESS GRP471688 3394.20% 0.00% 100.00%$18,002 852CINCINNATI FIN GRP24489 79689.88% 0.00% 100.00%$17,826 120HOMESHIELD CAPITAL GRP285890 12022.07% 0.00% 100.00%$12,744 167AMERITAS MUT HOLDING GRP94391 1671,449.45% 0.00% 100.00%$11,878 0PACIFIC GUARDIAN LIFE INS CO LTD6434392 0(795.11)% 0.00% 100.00%

$9,638 12UNITED HERITAGE MUT GRP287893 11(80.08)% 0.00% 100.00%$7,889 68ADVANTAGE CAPITAL GRP482494 33115.26% 0.00% 100.00%$7,235 172CNA INS GRP21895 17246.00% 0.00% 100.00%$5,941 376INDIANA FARM BUREAU GRP54296 37640.94% 0.00% 100.00%$5,305 0AMERICAN HOME LIFE INS CO6054297 248122.81% 0.00% 100.00%$3,730 9OLD SURETY LIFE INS CO6732698 90.99% 0.00% 100.00%$3,499 10ORDER OF UNITED COMMERCIAL TRAVELERS5638399 100.00% 0.00% 100.00%$3,037 71SONS OF NORWAY57142100 50(46.95)% 0.00% 100.00%$1,429 0SENIOR LIFE INS CO78662101 0722.88% 0.00% 100.00%

$998 0CITIZENS FIDELITY INS CO83968102 00.00% 0.00% 100.00%

© 2016 National Association of Insurance Commissioners 86

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Specified/Named Disease

$920 23COLUMBIAN LIFE GRP535103 23(216.30)% 0.00% 100.00%$863 7NESTLE SA GRP4483104 70.00% 0.00% 100.00%$253 1SENTRY INS GRP169105 1100.00% 0.00% 100.00%$206 1RESOLUTION LIFE GRP4815106 10.00% 0.00% 100.00%$116 4SURETY LIFE INS CO69310107 41.72% 0.00% 100.00%

$80 2FIRST TRINITY FIN GRP4752108 20.00% 0.00% 100.00%

$3,575,884,919 13,963,288Grand Total 7,744,17366.80% 100.00%

© 2016 National Association of Insurance Commissioners 87

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Limited Benefit

$3,984,713,386 199,758CENTENE CORP GRP12951 199,75891.89% 94.37% 94.37%$76,663,115 71,611CNO FINANCIAL GRP2332 67,30782.55% 1.82% 96.19%$29,902,442 213,973AFLAC GRP3703 121,79534.20% 0.71% 96.90%$26,832,073 11,729BLUE CROSS OF ID GRP12904 5,05562.31% 0.64% 97.53%$26,064,122 147,712HUMANA GRP1195 110,02627.20% 0.62% 98.15%$12,856,834 9,944NEW ERA LIFE GRP5206 5,82443.24% 0.30% 98.45%$12,435,335 204,143HEALTHMARKETS GRP2647 129,14149.45% 0.29% 98.75%$12,138,572 28,802KEMPER CORP GRP2158 25,84032.63% 0.29% 99.03%

$8,711,668 4,386CAPITAL BLUE CROSS GRP12309 3,062109.87% 0.21% 99.24%$4,867,445 4,758AMERICAN ENTERPRISE MUT GRP352710 4,37824.34% 0.12% 99.36%$3,260,901 1,328CIGNA HLTH GRP90111 1,108119.33% 0.08% 99.43%$2,834,945 8,010SOUTHLAND NATL HOLDING GRP482712 8,01057.75% 0.07% 99.50%$2,423,931 0HEALTH NET INC GRP62313 049.08% 0.06% 99.56%$2,293,418 80,235UPMC HLTH SYSTEM GRP132414 80,23583.86% 0.05% 99.61%$1,532,137 46,554ANTHEM INC GRP67115 35,22866.77% 0.04% 99.65%$1,459,312 1,376ORDER OF UNITED COMMERCIAL TRAVELERS5638316 1,37610.65% 0.03% 99.68%$1,448,957 9,470METROPOLITAN GRP24117 8,690177.78% 0.03% 99.72%$1,398,010 13,606UNITEDHEALTH GRP70718 12,138(11.01)% 0.03% 99.75%$1,242,951 14,394MEDICAL MUT OF OH GRP73019 8,37664.95% 0.03% 99.78%$1,045,915 1,523UNITED SECURITY ASSUR CO OF PA4212920 1,52317.94% 0.02% 99.80%$1,005,497 2,827UNIFIED LIFE INS CO1112121 2,73147.99% 0.02% 99.83%

$841,319 2,285NATIONAL GUARDIAN LIFE INS GRP121122 2,28543.94% 0.02% 99.85%$828,571 947STERLING INVESTORS LIFE INS CO8918423 947(78.16)% 0.02% 99.87%$735,430 2,595TIPTREE FIN GRP471824 2,59589.17% 0.02% 99.89%$728,073 1,520BCBS OF MI GRP57225 1,40124.94% 0.02% 100.00%$688,540 535HCSC GRP91726 35016.11% 0.02% 100.00%$682,981 2ADVANTAGE CAPITAL GRP482427 231.32% 0.02% 100.00%$471,311 6,433FIDELITY SECURITY GRP45128 6,43347.55% 0.01% 100.00%$430,885 836HC2 HOLDINGS GRP485229 59152.85% 0.01% 100.00%$337,427 366KANSAS CITY LIFE INS GRP58830 366380.48% 0.01% 100.00%$242,199 8JEFFERSON LIFE INS CO9479031 435.93% 0.01% 100.00%$198,134 1,354STANDARD LIFE & CAS INS CO7170632 1,35119.83% 0.00% 100.00%$191,526 221CVS CAREMARK GRP466733 22122.77% 0.00% 100.00%$190,505 510NESTLE SA GRP448334 51047.68% 0.00% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Limited Benefit

$141,221 236PHYSICIANS MUT GRP36735 236(46.70)% 0.00% 100.00%$126,009 2,178CAMBIA HEALTH SOLUTIONS INC120736 1,266122.80% 0.00% 100.00%$102,575 10,572AMERITAS MUT HOLDING GRP94337 10,57265.59% 0.00% 100.00%

$92,297 1,507OPTICARE OF UT1253338 74449.33% 0.00% 100.00%$62,888 349FORTRESS GRP471639 29971.90% 0.00% 100.00%$33,607 36UNIVERSAL AMER FIN CORP GRP95340 36(22.03)% 0.00% 100.00%$33,537 69HORACE MANN GRP30041 6424.57% 0.00% 100.00%$24,086 0AMERICAN MEDICAL & LIFE INS CO8141842 0156.98% 0.00% 100.00%$14,295 336ALFA INS GRP543 336184.20% 0.00% 100.00%$13,992 8MISSISSIPPI INS GRP112644 80.69% 0.00% 100.00%

$6,774 14GENEVE HOLDINGS INC GRP45045 14(13.55)% 0.00% 100.00%$6,549 32NEW YORK LIFE GRP82646 27(0.37)% 0.00% 100.00%$4,411 32SURETY LIFE & CAS INS CO6932947 320.02% 0.00% 100.00%$3,184 9WARRIOR INVICTUS HOLDING CO GRP472748 70.00% 0.00% 100.00%$3,095 9AMTRUST NGH GRP253849 340.00% 0.00% 100.00%$2,993 39FINANCIAL HOLDINGS GRP44950 39(10.36)% 0.00% 100.00%$1,407 19CENTRAL STATES GRP69051 15(15.71)% 0.00% 100.00%

$911 2FARMERS INS GRP6952 2(81.23)% 0.00% 100.00%$862 2JACKSON NATL GRP91853 2163.23% 0.00% 100.00%$848 9MAPFRE INS GRP41154 70.00% 0.00% 100.00%$624 2INDUSTRIAL ALLIANCE GRP31555 2125.64% 0.00% 100.00%$123 4CITIZENS GRP61256 4895.12% 0.00% 100.00%

$90 0OHIO MUT GRP96357 0(57.78)% 0.00% 100.00%

$4,222,374,245 1,109,215Grand Total 862,37290.05% 100.00%

© 2016 National Association of Insurance Commissioners 89

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Student

$58,193,819 33,992BCBS OF MA GRP36371 33,72688.79% 76.70% 76.70%$8,681,017 9,339CDPHP INC GRP47082 9,28796.78% 11.44% 88.14%$3,490,183 1,777VIVA HLTH INC953223 1,72796.64% 4.60% 92.74%$2,788,926 672HAWAII MEDICAL SERV ASSN499484 65352.49% 3.68% 96.42%$1,448,240 703WISCONSIN PHYSICIANS SERV INS GRP685 70056.89% 1.91% 98.33%

$939,262 0NATIONAL GUARDIAN LIFE INS GRP12116 084.60% 1.24% 99.57%$181,082 99SCOTT & WHITE GRP6007 9963.29% 0.24% 99.80%

$69,590 0KAISER FOUNDATION GRP6018 099.33% 0.09% 99.90%$49,439 266UNIVERSAL FIDELITY LIFE INS CO701229 266(10.93)% 0.07% 100.00%$23,030 0MEDICAL MUT OF OH GRP73010 0(1,391.14)% 0.03% 100.00%

$6,243 0TOKIO MARINE HOLDINGS INC GRP309811 00.00% 0.01% 100.00%

$75,870,831 46,886Grand Total 46,49687.40% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Accident Only or AD&D

$1,230,731,365 6,732,362AFLAC GRP3701 3,163,11942.43% 48.65% 48.65%$307,711,215 918,461UNUMPROVIDENT CORP GRP5652 918,46134.56% 12.16% 60.81%$219,526,364 0CHUBB LTD GRP6263 041.17% 8.68% 69.49%$113,282,381 1,774,109TORCHMARK CORP GRP2904 1,408,04039.18% 4.48% 73.97%

$81,520,932 276,070AMERICAN FIDELITY CORP GRP3305 202,44441.24% 3.22% 77.19%$73,883,447 285,997ALLSTATE INS GRP86 167,95543.34% 2.92% 80.11%$66,636,858 143,272CNO FINANCIAL GRP2337 124,25859.80% 2.63% 82.75%$58,516,043 387,710AMERICAN INTL GRP128 316,75944.75% 2.31% 85.06%$38,032,524 486,964AEGON US HOLDING GRP4689 310,17331.62% 1.50% 86.56%$34,572,899 290,369MUTUAL OF OMAHA GRP26110 207,79034.58% 1.37% 87.93%$32,129,520 560,293TIPTREE FIN GRP471811 560,2885.73% 1.27% 89.20%$28,642,382 226,568HEALTHMARKETS GRP26412 150,67922.64% 1.13% 90.33%$24,670,311 1,195,632ASSURANT INC GRP1913 1,154,7943.68% 0.98% 91.31%$22,334,185 118,830NATIONAL TEACHERS ASSOC LIFE GROUP479614 55,81252.19% 0.88% 92.19%$20,143,202 159,553GUARANTEE TRUST GRP68715 159,38760.21% 0.80% 92.99%$18,892,425 95,092POLICE & FIREMENS INS ASSN5800916 95,09254.08% 0.75% 93.73%$15,881,619 108,181TRUSTMARK MUT HOLDING CO GRP27617 57,53064.64% 0.63% 94.36%$13,945,173 618,480FORTRESS GRP471618 508,86269.03% 0.55% 94.91%$11,740,601 73,321BOSTON MUT GRP58119 36,22620.73% 0.46% 95.38%$10,487,424 37,565ZURICH INS GRP21220 4,27442.91% 0.41% 95.79%

$8,754,993 127,164KEMPER CORP GRP21521 91,59925.74% 0.35% 96.14%$8,465,076 106,366NESTLE SA GRP448322 106,36650.40% 0.33% 96.47%$7,826,848 24,469ARKANSAS BCBS GRP87623 1,48719.90% 0.31% 96.78%$7,060,541 1,013,795CUNA MUT GRP30624 689,55127.66% 0.28% 97.06%$6,868,454 156,194CIGNA HLTH GRP90125 15,08939.74% 0.27% 97.33%$5,466,883 27,724WESTBRIDGE CAPITAL GRP83926 17,22045.57% 0.22% 97.55%$4,908,671 25,138ASSURITY LIFE INS CO7143927 20,65128.39% 0.19% 97.74%$4,198,787 17,516HARRIS INS HOLDINGS GRP111728 11,17843.83% 0.17% 97.91%$3,571,416 325SWISS RE GRP18129 32523.94% 0.14% 98.05%$3,413,581 52,698AMERICAN NATL FIN GRP40830 46,218(6.44)% 0.13% 98.18%$3,379,781 45,503WEST SOUTHERN GRP83631 26,16549.26% 0.13% 98.32%$3,250,154 11,994INDEPENDENT ORDER OF FORESTERS US BR5806832 11,99461.01% 0.13% 98.45%$2,876,182 0HUMANA GRP11933 09.91% 0.11% 98.56%$2,558,138 9,459LIFE INS CO OF AL6541234 6,54131.09% 0.10% 98.66%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Accident Only or AD&D

$2,544,754 0USIC GRP359335 026.35% 0.10% 98.76%$2,471,010 17,801AXA INS GRP96836 17,801102.73% 0.10% 98.86%$2,216,487 14,591ILLINOIS MUT LIFE INS CO6458037 8,14863.05% 0.09% 98.95%$2,169,104 6,516NEW ERA LIFE GRP52038 4,25231.24% 0.09% 99.03%$2,099,195 0COOPERATIVA DE SEGUROS DE VIDA7971539 05.22% 0.08% 99.12%$1,597,800 7,989BCBS OF MI GRP57240 3,79835.25% 0.06% 99.18%$1,466,599 28,735GENERAL ELECTRIC GRP35041 15,233(5.03)% 0.06% 99.24%$1,417,893 43,207ATHENE GRP473442 26,3010.06% 0.06% 99.29%$1,388,899 16,425LEON HIX GRP474843 13,2424.62% 0.05% 99.35%$1,357,763 510,454OLD REPUBLIC GRP15044 510,454(13.31)% 0.05% 99.40%$1,349,083 7,412HC2 HOLDINGS GRP485245 4,65914.07% 0.05% 99.45%$1,290,225 35,305TRAVELERS GRP354846 1,23259.28% 0.05% 99.51%$1,281,410 13,564UNITED TRANSPORTATION UNION INS ASSN5641347 10,3349.30% 0.05% 99.56%

$901,805 5,287PHYSICIANS MUT GRP36748 3,62721.29% 0.04% 99.59%$830,850 18,705ORDER OF UNITED COMMERCIAL TRAVELERS5638349 16,97816.63% 0.03% 99.62%$817,243 10,702CVS CAREMARK GRP466750 10,17629.11% 0.03% 99.66%$762,451 5,890UNITEDHEALTH GRP70751 3,61592.66% 0.03% 99.69%$682,466 24,894ALFA INS GRP552 24,89469.45% 0.03% 99.71%$627,747 428,705HOOSIER MOTOR MUT INS CO2795253 428,7051.49% 0.02% 99.74%$557,731 17,538CITIZENS GRP61254 17,53830.34% 0.02% 99.76%$475,711 0CAMBIA HEALTH SOLUTIONS INC120755 00.00% 0.02% 99.78%$448,614 29AMERICAN FINANCIAL GRP8456 29(10.91)% 0.02% 99.80%$378,930 1,005SURETY LIFE & CAS INS CO6932957 92631.91% 0.01% 99.81%$377,952 24,292TRAVELERS PROTECTIVE ASSN OF AMER5600658 24,29271.88% 0.01% 99.83%$373,308 4,316AMTRUST NGH GRP253859 3,1830.25% 0.01% 99.84%$343,044 6,877MUNICH RE GRP36160 6,87748.63% 0.01% 99.86%$340,434 4,951UNIFIED LIFE INS CO1112161 4,77024.12% 0.01% 99.87%$325,347 4,074RESERVOIR CAPITAL GRP476462 4,074(47.47)% 0.01% 99.88%$306,676 2,687LINCOLN HERITAGE LIFE INS CO6592763 2,68753.79% 0.01% 99.89%$281,277 1,133GENWORTH FIN GRP401164 1,133(6.26)% 0.01% 100.00%$225,046 837ATLANTIC AMER GRP58765 83761.91% 0.01% 100.00%$195,585 1,646STARMOUNT LIFE INS CO6898566 1,646146.14% 0.01% 100.00%$189,845 1,265WILTON RE GRP421367 1,265(37.48)% 0.01% 100.00%$164,817 3,187UNION LABOR GRP78168 1,2337.38% 0.01% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Accident Only or AD&D

$153,135 13TOKIO MARINE HOLDINGS INC GRP309869 1322.85% 0.01% 100.00%$152,095 940CROY HALL MGMT GRP133970 5842.35% 0.01% 100.00%$116,395 3,442KANSAS CITY LIFE INS GRP58871 3,4426.03% 0.00% 100.00%

$91,752 7,461NATIONWIDE CORP GRP14072 7,57415.05% 0.00% 100.00%$86,521 0COLONIAL SAVINGS GRP87873 00.00% 0.00% 100.00%$80,786 2,096ADVANTAGE CAPITAL GRP482474 1,167(12.94)% 0.00% 100.00%$78,428 386STANDARD LIFE & CAS INS CO7170675 26313.39% 0.00% 100.00%$76,901 2,339UNIVERSAL AMER FIN CORP GRP95376 1,940118.62% 0.00% 100.00%$76,868 2,346INSUREMAX INS CO1092277 2,3460.00% 0.00% 100.00%$67,546 4,744SECURITY NATL GRP45478 4,74419.72% 0.00% 100.00%$63,605 823MAPFRE INS GRP41179 581(1.43)% 0.00% 100.00%$60,501 1,409SAMMONS ENTERPRISES GRP43180 1,409346.78% 0.00% 100.00%$56,161 352SECURITY MUT LIFE INS CO OF NY6877281 35247.71% 0.00% 100.00%$43,106 478BERKSHIRE HATHAWAY GRP3182 47872.47% 0.00% 100.00%$37,542 695GENEVE HOLDINGS INC GRP45083 40722.28% 0.00% 100.00%$30,819 3,458JACKSON NATL GRP91884 3,429184.31% 0.00% 100.00%$30,219 1,553LINCOLN NATL GRP2085 1,5534.18% 0.00% 100.00%$29,993 126ACCESS INS CO1171186 1260.00% 0.00% 100.00%$28,155 0GREAT WEST GRP76987 0(3.51)% 0.00% 100.00%$27,606 227PREFERREDONE GRP349288 15911.31% 0.00% 100.00%$25,447 709HORACE MANN GRP30089 708(1.43)% 0.00% 100.00%$21,780 1,068INDUSTRIAL ALLIANCE GRP31590 1,068188.95% 0.00% 100.00%$21,775 2,119CINCINNATI FIN GRP24491 2,119(4.85)% 0.00% 100.00%$14,507 348COMMERCIAL TRAVELERS MUT INS CO8142692 34844.63% 0.00% 100.00%$13,326 313HOMESHIELD CAPITAL GRP285893 31370.61% 0.00% 100.00%$12,705 603AMERICAN FAMILY INS GRP47394 34819.71% 0.00% 100.00%$12,200 2,028GLEANER LIFE INS SOCIETY5615495 2,02863.33% 0.00% 100.00%$12,019 104GRANGE MUT CAS GRP26796 104(1.50)% 0.00% 100.00%$11,588 108JEFFERSON NATIONAL GRP483697 11116.78% 0.00% 100.00%$10,363 49WARRIOR INVICTUS HOLDING CO GRP472798 430.00% 0.00% 100.00%

$8,623 2,241FEDERAL LIFE INS CO6322399 2,241(0.63)% 0.00% 100.00%$6,340 33EQUITABLE LIFE & CAS INS CO62952100 33(6.31)% 0.00% 100.00%$6,135 59BANKERS INS GRP689101 590.00% 0.00% 100.00%$5,880 507BALTIMORE LIFE INS CO61212102 507(73.13)% 0.00% 100.00%

© 2016 National Association of Insurance Commissioners 93

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Accident Only or AD&D

$5,310 109CATHOLIC FINANCIAL LIFE56030103 1099.42% 0.00% 100.00%$4,844 58STATE FARM GRP176104 58(43.99)% 0.00% 100.00%$3,656 183FIRST TRINITY FIN GRP4752105 1660.00% 0.00% 100.00%$3,497 27TEACHERS PROTECTIVE MUT LIFE INS CO69353106 2723.73% 0.00% 100.00%$3,160 18MAXIMUM CORP GRP526107 1615.38% 0.00% 100.00%$2,351 18OLD SURETY LIFE INS CO67326108 1827.39% 0.00% 100.00%$2,268 103AMERICAN ENTERPRISE MUT GRP3527109 93(47.00)% 0.00% 100.00%$2,015 16ALLIANZ INS GRP761110 16508.78% 0.00% 100.00%$1,959 51GUARDIAN LIFE GRP429111 50733.74% 0.00% 100.00%$1,920 46LIBERTY LIFE GRP TRUST GRP3436112 270.00% 0.00% 100.00%$1,901 0WICHITA NATL LIFE GRP132113 00.00% 0.00% 100.00%$1,887 15FARMERS INS GRP69114 15139.32% 0.00% 100.00%$1,779 17UNITED SECURITY ASSUR CO OF PA42129115 1754.24% 0.00% 100.00%$1,628 30KNIGHTS OF COLUMBUS58033116 30(2.52)% 0.00% 100.00%$1,327 8AETNA GRP1117 80.00% 0.00% 100.00%$1,326 15AMFIRST HOLDINGS GRP4719118 15(28.36)% 0.00% 100.00%$1,181 250BCBS OF KS GRP430119 250(63.42)% 0.00% 100.00%$1,098 20VOYA FINANCIAL GRP4832120 188(21.22)% 0.00% 100.00%

$912 0METROPOLITAN GRP241121 02,400,932.68% 0.00% 100.00%$500 0LOCKHART CO GRP4706122 00.00% 0.00% 100.00%$485 125SCOTT & WHITE GRP600123 1250.00% 0.00% 100.00%$411 0CITIZENS FIDELITY INS CO83968124 00.00% 0.00% 100.00%$349 0CITIZENS SECURITY LIFE INS CO61921125 00.00% 0.00% 100.00%

$2,529,755,458 17,421,534Grand Total 11,862,14241.31% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Disability Income - Short-Term

$983,916,057 1,714,439AFLAC GRP3701 1,714,43150.34% 42.96% 42.96%$524,118,557 863,911UNUMPROVIDENT CORP GRP5652 863,91149.42% 22.88% 65.84%

$90,104,828 200,680STATE FARM GRP1763 200,68039.41% 3.93% 69.77%$73,384,533 37,043NORTHWESTERN MUT GRP8604 37,04317.05% 3.20% 72.98%$63,781,440 0CHUBB LTD GRP6265 053.08% 2.78% 75.76%$55,707,729 86,924ALLSTATE INS GRP86 86,92447.68% 2.43% 78.19%$50,890,137 29,598PRINCIPAL FIN GRP3327 29,59845.35% 2.22% 80.42%$50,456,807 22,471GUARDIAN LIFE GRP4298 22,47174.40% 2.20% 82.62%$46,729,987 104,592AEGON US HOLDING GRP4689 52,76956.43% 2.04% 84.66%$37,524,882 460TOKIO MARINE HOLDINGS INC GRP309810 46067.75% 1.64% 86.30%$31,850,419 46,523TRUSTMARK MUT HOLDING CO GRP27611 46,52357.00% 1.39% 87.69%$30,959,707 39,893ASSURITY LIFE INS CO7143912 39,81345.20% 1.35% 89.04%$26,477,972 35,983NATIONAL TEACHERS ASSOC LIFE GROUP479613 39,62047.37% 1.16% 90.19%$24,856,654 14,275STANCORP FIN GRP134814 16,41941.53% 1.09% 91.28%$24,152,518 12,516METROPOLITAN GRP24115 12,51616.42% 1.05% 92.33%$22,830,848 14,713AMERITAS MUT HOLDING GRP94316 14,71322.09% 1.00% 93.33%$22,595,392 33,289SUN LIFE ASSUR CO OF CN GRP54917 26,63169.47% 0.99% 94.32%$22,326,224 50,819ILLINOIS MUT LIFE INS CO6458018 50,81963.12% 0.97% 95.29%$16,490,603 27,292HUMANA GRP11919 21,77764.50% 0.72% 96.01%

$9,772,518 12,133MUTUAL OF OMAHA GRP26120 12,13349.10% 0.43% 96.44%$7,288,869 5,706FEDERATED MUT GRP721 5,70632.62% 0.32% 96.76%$5,554,396 10,734HARRIS INS HOLDINGS GRP111722 10,53647.67% 0.24% 97.00%$5,545,505 2,942MINNESOTA MUT GRP86923 3,815(4.54)% 0.24% 97.24%$5,514,179 6,545BOSTON MUT GRP58124 6,54558.87% 0.24% 97.48%$5,392,825 36,089FORTRESS GRP471625 36,08930.13% 0.24% 97.72%$4,574,762 11,721HEALTHMARKETS GRP26426 11,62017.16% 0.20% 97.92%$3,525,206 2,018COUNTRY INS & FIN SERV GRP5027 2,01869.75% 0.15% 98.07%$3,348,313 1,147CVS CAREMARK GRP466728 1,14362.07% 0.15% 98.22%$3,342,410 2,613OHIO NATL LIFE GRP70429 2,61325.34% 0.15% 98.36%$2,675,481 2,111LINCOLN NATL GRP2030 2,111289.08% 0.12% 98.48%$2,564,546 6,209JACKSON NATL GRP91831 6,20917.24% 0.11% 98.59%$2,521,836 6,464IOWA FARM BUREAU GRP51332 6,464(20.93)% 0.11% 98.70%$2,284,925 216AMERICAN ENTERPRISE MUT GRP352733 21635.17% 0.10% 98.80%$2,057,431 3,477AUTO OWNERS GRP28034 3,47768.61% 0.09% 98.89%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Disability Income - Short-Term

$2,032,908 4,451NATIONAL GUARDIAN LIFE INS GRP121135 4,451147.16% 0.09% 98.98%$1,901,895 3,700LIFE INS CO OF AL6541236 3,70052.91% 0.08% 99.06%$1,889,763 2,005NATIONWIDE CORP GRP14037 1,990286.91% 0.08% 99.15%$1,787,982 2,313AMERICAN NATL FIN GRP40838 2,31130.72% 0.08% 99.22%$1,614,502 8,356BERKSHIRE HATHAWAY GRP3139 8,08914.42% 0.07% 99.30%$1,478,344 3,033UNITED STATES LETTER CARRIERS MUT BE5645640 3,03352.26% 0.06% 99.36%$1,379,430 2,168UNIFIED LIFE INS CO1112141 2,16861.34% 0.06% 99.42%$1,220,234 2,862UNITED TRANSPORTATION UNION INS ASSN5641342 2,86244.83% 0.05% 99.47%$1,197,788 1,950AMALGAMATED LIFE INS CO6021643 4285.98% 0.05% 99.53%$1,138,263 9,962KEMPER CORP GRP21544 9,48424.52% 0.05% 99.58%$1,127,548 1,068ZURICH INS GRP21245 1,0635.56% 0.05% 99.62%

$986,749 2,202HORACE MANN GRP30046 2,20224.68% 0.04% 99.67%$864,912 830CIGNA HLTH GRP90147 830145.50% 0.04% 99.71%$720,685 1,538INDIANA FARM BUREAU GRP54248 1,53835.27% 0.03% 99.74%$578,798 1,008LEADERS LIFE INS CO7479949 1,00854.95% 0.03% 99.76%$525,309 870ASSURANT INC GRP1950 85748.51% 0.02% 99.78%$465,215 0AMERICAN INTL GRP1251 0129.74% 0.02% 99.81%$460,762 791TEACHERS PROTECTIVE MUT LIFE INS CO6935352 79160.81% 0.02% 99.83%$396,215 159EMC NATL LIFE CO6292853 15936.46% 0.02% 99.84%$390,124 0EMPLOYES MUT BENEFIT ASSN5604954 96955.08% 0.02% 99.86%$282,609 129,407INTER AMER GRP86355 129,40726.62% 0.01% 99.87%$266,873 544ATLANTIC AMER GRP58756 54452.55% 0.01% 99.88%$256,045 430FIDELITY SECURITY GRP45157 43034.61% 0.01% 99.89%$244,019 1,152CUNA MUT GRP30658 1,152481.34% 0.01% 100.00%$190,330 522HC2 HOLDINGS GRP485259 52226.26% 0.01% 100.00%$171,499 297AEGIS GRP31360 29743.20% 0.01% 100.00%$157,559 234WARRIOR INVICTUS HOLDING CO GRP472761 2345.60% 0.01% 100.00%$147,272 2,903WILTON RE GRP421362 2,67537.93% 0.01% 100.00%$135,800 2,152POLICE & FIREMENS INS ASSN5800963 2,15229.71% 0.01% 100.00%$124,172 3,856COMMERCIAL TRAVELERS MUT INS CO8142664 3,856(11.96)% 0.01% 100.00%$119,759 262KANSAS CITY LIFE INS GRP58865 262(23.77)% 0.01% 100.00%$116,955 440MODERN WOODMEN OF AMER5754166 440292.48% 0.01% 100.00%$110,541 280TORCHMARK CORP GRP29067 28080.04% 0.00% 100.00%$109,428 189COLUMBIAN LIFE GRP53568 189(19.93)% 0.00% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Disability Income - Short-Term

$85,873 220AMERICAN FIDELITY CORP GRP33069 220100.39% 0.00% 100.00%$79,243 168PHYSICIANS MUT GRP36770 16816.68% 0.00% 100.00%$71,799 2,956ATHENE GRP473471 1,6892,924.73% 0.00% 100.00%$70,253 167UNION LABOR GRP78172 16724.03% 0.00% 100.00%$57,724 77SURETY LIFE INS CO6931073 77117.03% 0.00% 100.00%$45,620 58SECURITY MUT LIFE INS CO OF NY6877274 58(122.06)% 0.00% 100.00%$40,252 154AMERICAN FAMILY INS GRP47375 157(27.86)% 0.00% 100.00%$34,947 88UNIVERSAL AMER FIN CORP GRP95376 8869.39% 0.00% 100.00%$32,330 99NEW ERA LIFE GRP52077 9854.25% 0.00% 100.00%$30,411 0NORTH CAROLINA MUT LIFE INS CO6703278 0(31.96)% 0.00% 100.00%$29,623 42PAN AMER LIFE GRP52579 4277.71% 0.00% 100.00%$29,561 0COOPERATIVA DE SEGUROS DE VIDA7971580 091.93% 0.00% 100.00%$25,257 39UNITED SECURITY ASSUR CO OF PA4212981 3917.81% 0.00% 100.00%$17,743 93INDUSTRIAL ALLIANCE GRP31582 9384.97% 0.00% 100.00%$13,431 40STATE MUT INS CO6913283 3942.25% 0.00% 100.00%$12,542 67CENTRAL STATES GRP69084 67408.19% 0.00% 100.00%$12,129 3,280SLOVENE NATL BENEFIT SOCIETY5767385 3,280(560.65)% 0.00% 100.00%$12,118 87STANDARD LIFE & CAS INS CO7170686 8713.41% 0.00% 100.00%

$9,169 0COLONIAL SAVINGS GRP87887 00.00% 0.00% 100.00%$8,477 63FEDERAL LIFE INS CO6322388 6364.42% 0.00% 100.00%$8,349 25SURETY LIFE & CAS INS CO6932989 2511.01% 0.00% 100.00%$7,478 49GLEANER LIFE INS SOCIETY5615490 4946.72% 0.00% 100.00%$6,054 17KNIGHTS OF COLUMBUS5803391 17(17.39)% 0.00% 100.00%$5,847 9ADVANTAGE CAPITAL GRP482492 937.04% 0.00% 100.00%$5,780 20VOYA FINANCIAL GRP483293 19(62.72)% 0.00% 100.00%$4,851 13BCBS OF SC GRP66194 13(13.03)% 0.00% 100.00%$4,488 26PACIFIC GUARDIAN LIFE INS CO LTD6434395 26(16.40)% 0.00% 100.00%$3,992 29LIBERTY MUT GRP11196 2978.23% 0.00% 100.00%$3,226 11BALTIMORE LIFE INS CO6121297 11(35.99)% 0.00% 100.00%$2,599 11ASSURED LIFE ASSN5649998 11(66.83)% 0.00% 100.00%$2,366 19UNIVERSAL GUAR LIFE INS CO7013099 192,660.82% 0.00% 100.00%$2,123 27AMERCO CORP GRP574100 27(3.20)% 0.00% 100.00%$1,905 56CITIZENS GRP612101 561,545.77% 0.00% 100.00%

$922 2BCBS OF KS GRP430102 20.00% 0.00% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Disability Income - Short-Term

$699 0AMERICAN HOME LIFE INS CO60542103 1(53.22)% 0.00% 100.00%$587 3FORESTERS LIFE INS ANN CO63495104 31,049.23% 0.00% 100.00%$583 6OLD SURETY LIFE INS CO67326105 61.03% 0.00% 100.00%$448 1TIPTREE FIN GRP4718106 10.00% 0.00% 100.00%$349 3GPM LIFE GRP4712107 4219.77% 0.00% 100.00%$334 39CLOISTER MUT & WINDSOR MOUNT JOY GRP4774108 390.00% 0.00% 100.00%$184 2EQUITABLE LIFE & CAS INS CO62952109 20.00% 0.00% 100.00%$183 1GENERAL ELECTRIC GRP350110 1(8.20)% 0.00% 100.00%

$39 0UNITED HERITAGE MUT GRP2878111 0(21,861.54)% 0.00% 100.00%

$2,290,490,481 3,645,565Grand Total 3,584,62049.42% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Disability Income - Long-Term

$1,026,817,862 725,695NORTHWESTERN MUT GRP8601 725,69547.57% 21.61% 21.61%$950,722,067 652,840UNUMPROVIDENT CORP GRP5652 652,840130.32% 20.01% 41.62%$597,799,391 272,756GUARDIAN LIFE GRP4293 272,75689.89% 12.58% 54.20%$479,442,706 242,482MASS MUT LIFE INS GRP4354 274,47569.94% 10.09% 64.29%$341,321,454 170,145METROPOLITAN GRP2415 170,14576.88% 7.18% 71.47%$325,824,582 139,745PRINCIPAL FIN GRP3326 139,74554.99% 6.86% 78.33%$186,150,751 77,854STANCORP FIN GRP13487 92,18651.46% 3.92% 82.25%$152,482,232 125,788AMERIPRISE FIN GRP48 125,78825.03% 3.21% 85.46%$107,445,332 61,573AMERITAS MUT HOLDING GRP9439 61,57374.75% 2.26% 87.72%

$49,157,093 46,841NEW YORK LIFE GRP82610 46,841106.08% 1.03% 88.75%$47,819,150 34,429AXA INS GRP96811 34,429258.65% 1.01% 89.76%$46,520,463 26,926PROTECTIVE LIFE INS GRP45812 26,92642.54% 0.98% 90.74%$44,180,896 72,337THRIVENT FINANCIAL FOR LUTHERANS GRP293813 71,99826.48% 0.93% 91.67%$32,881,767 48,695ILLINOIS MUT LIFE INS CO6458014 48,69583.44% 0.69% 92.36%$30,382,179 15,709OHIO NATL LIFE GRP70415 15,70983.90% 0.64% 93.00%$28,093,573 20,876JACKSON NATL GRP91816 20,879214.80% 0.59% 93.59%$28,052,467 14,056MINNESOTA MUT GRP86917 18,101114.07% 0.59% 94.18%$26,401,102 28,759MUTUAL OF OMAHA GRP26118 28,72378.67% 0.56% 94.74%$22,634,784 21,652LINCOLN NATL GRP2019 21,652167.93% 0.48% 95.21%$20,866,652 12,787STATE FARM GRP17620 12,78762.67% 0.44% 95.65%$20,770,387 18,713ZURICH INS GRP21221 18,713116.10% 0.44% 96.09%$19,628,572 19,759ASSURITY LIFE INS CO7143922 19,72863.07% 0.41% 96.50%$18,062,615 15,930FEDERATED MUT GRP723 15,93044.19% 0.38% 96.88%$14,884,135 73,785AMERICAN INTL GRP1224 48,867147.04% 0.31% 97.20%$14,430,031 14,818REGAL REINS GRP44025 14,818326.71% 0.30% 97.50%$12,556,991 7,595JOHN HANCOCK GRP90426 7,595234.44% 0.26% 97.76%$11,100,155 15,064COUNTRY INS & FIN SERV GRP5027 15,06464.04% 0.23% 98.00%$11,049,297 261PAN AMER LIFE GRP52528 4,809148.90% 0.23% 98.23%

$9,457,974 6,652TRUSTMARK MUT HOLDING CO GRP27629 6,652(6.11)% 0.20% 98.43%$8,842,722 33,470CVS CAREMARK GRP466730 33,364139.96% 0.19% 98.62%$6,384,866 11,438CIGNA HLTH GRP90131 4,54581.56% 0.13% 98.75%$4,984,014 0GREAT WEST GRP76932 0250.20% 0.10% 98.85%$4,447,516 4,355IOWA FARM BUREAU GRP51333 4,35531.19% 0.09% 98.95%$3,960,195 6,207CNO FINANCIAL GRP23334 6,19969.06% 0.08% 99.03%

© 2016 National Association of Insurance Commissioners 99

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Disability Income - Long-Term

$3,922,884 3,890AUTO OWNERS GRP28035 3,89025.57% 0.08% 99.11%$3,837,159 3,617AMERICAN NATL FIN GRP40836 3,60946.77% 0.08% 99.19%$3,717,390 3,487UNITED SERV AUTOMOBILE ASSN GRP20037 3,48747.91% 0.08% 99.27%$3,354,170 6,932SOUTHERN FARM BUREAU LIFE INS CO6889638 6,93283.59% 0.07% 99.34%$3,062,671 11,621ATHENE GRP473439 8,808108.81% 0.06% 99.41%$2,927,260 674FIDELITY SECURITY GRP45140 67443.13% 0.06% 99.47%$2,711,491 2,920CINCINNATI FIN GRP24441 2,92058.69% 0.06% 99.53%$2,698,152 7,289HC2 HOLDINGS GRP485242 6,46386.80% 0.06% 99.58%$1,793,869 2,293ONEAMERICA FIN PARTNERS GRP61943 2,29349.60% 0.04% 99.62%$1,786,527 1,249WILTON RE GRP421344 1,24926.26% 0.04% 99.66%$1,707,701 2,954KNIGHTS OF COLUMBUS5803345 2,97824.36% 0.04% 99.69%$1,546,949 0HARTFORD FIRE & CAS GRP9146 0158.06% 0.03% 99.73%$1,452,467 3,805PRUDENTIAL OF AMER GRP30447 3,80513.38% 0.03% 99.76%$1,424,432 2,060SECURITY MUT LIFE INS CO OF NY6877248 2,060127.23% 0.03% 99.79%

$964,193 2,175NATIONAL GUARDIAN LIFE INS GRP121149 2,175131.24% 0.02% 99.81%$738,399 635ALLSTATE INS GRP850 63519.89% 0.02% 99.82%$646,083 0TOKIO MARINE HOLDINGS INC GRP309851 0(51.31)% 0.01% 99.84%$564,503 536SWISS RE GRP18152 53682.95% 0.01% 99.85%$551,178 1,595AEGON US HOLDING GRP46853 1,595107.68% 0.01% 99.86%$511,070 733WHITE MOUNTAINS GRP112954 73336.15% 0.01% 99.87%$502,642 1,462WOODMEN WORLD LIFE INS SOC5732055 1,462(25.01)% 0.01% 99.88%$404,462 763VOYA FINANCIAL GRP483256 762(83.99)% 0.01% 99.89%$386,624 437GOLDMAN SACHS GRP389157 437324.07% 0.01% 99.90%$381,899 292ALLIANZ INS GRP76158 292236.33% 0.01% 100.00%$381,656 563AMERICAN ENTERPRISE MUT GRP352759 563109.72% 0.01% 100.00%$341,137 1,087WEST SOUTHERN GRP83660 1,087689.04% 0.01% 100.00%$326,096 658NEW ERA LIFE GRP52061 656127.37% 0.01% 100.00%$276,833 7,687UNIFIED LIFE INS CO1112162 7,68798.87% 0.01% 100.00%$275,689 335JEFFERSON NATIONAL GRP483663 340128.39% 0.01% 100.00%$254,411 438PEKIN INS GRP15364 438113.30% 0.01% 100.00%$229,948 390HORACE MANN GRP30065 39065.55% 0.00% 100.00%$225,395 711ERIE INS GRP21366 711(6.08)% 0.00% 100.00%$172,015 455NATIONAL MUT BENEFIT5607367 45569.06% 0.00% 100.00%$153,981 550ASSURANT INC GRP1968 55066.26% 0.00% 100.00%

© 2016 National Association of Insurance Commissioners 100

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Disability Income - Long-Term

$137,285 469PRIMERICA GRP475069 469290.40% 0.00% 100.00%$122,254 156MULTINATIONAL GRP480470 15628.64% 0.00% 100.00%$119,113 436FEDERAL LIFE INS CO6322371 43621.85% 0.00% 100.00%$118,897 402GENWORTH FIN GRP401172 402(444.82)% 0.00% 100.00%$116,527 183KANSAS CITY LIFE INS GRP58873 18349.46% 0.00% 100.00%$105,000 1,040FIDELITY LIFE ASSN A LEGAL RESERVE L6329074 015.58% 0.00% 100.00%$103,503 217SHELTER INS GRP12375 217300.79% 0.00% 100.00%$100,150 139UNITEDHEALTH GRP70776 1391.01% 0.00% 100.00%

$89,549 333GRANGE MUT CAS GRP26777 33325.65% 0.00% 100.00%$87,992 262UNIVERSAL AMER FIN CORP GRP95378 262158.34% 0.00% 100.00%$83,058 336CATHOLIC FINANCIAL LIFE5603079 33683.96% 0.00% 100.00%$77,682 216GENEVE HOLDINGS INC GRP45080 2161,109.26% 0.00% 100.00%$69,874 56NATIONWIDE CORP GRP14081 56166.16% 0.00% 100.00%$58,719 65GENERAL ELECTRIC GRP35082 6524.74% 0.00% 100.00%$53,029 387INDEPENDENT ORDER OF FORESTERS US BR5806883 387(204.07)% 0.00% 100.00%$36,343 36GPM LIFE GRP471284 363.70% 0.00% 100.00%$35,307 57LIBERTY MUT GRP11185 5742.48% 0.00% 100.00%$25,275 9INTER AMER GRP86386 9(50.13)% 0.00% 100.00%$21,078 43SONS OF NORWAY5714287 43295.07% 0.00% 100.00%$19,986 69AMERCO CORP GRP57488 6949.71% 0.00% 100.00%$19,918 45EMC NATL LIFE CO6292889 4528.47% 0.00% 100.00%$18,737 40SAMMONS ENTERPRISES GRP43190 40(827.54)% 0.00% 100.00%$17,650 43MISSOURI FARM BUREAU GRP51491 4334.44% 0.00% 100.00%$16,125 74MAXIMUM CORP GRP52692 7315.69% 0.00% 100.00%$14,231 56FINANCIAL HOLDINGS GRP44993 56(428.66)% 0.00% 100.00%$11,482 17CNA INS GRP21894 17(264.15)% 0.00% 100.00%$10,744 124BCBS OF MI GRP57295 124104.25% 0.00% 100.00%$10,294 35AMERICAN FINANCIAL GRP8496 19(912.84)% 0.00% 100.00%

$8,460 30PHYSICIANS MUT GRP36797 30350.59% 0.00% 100.00%$8,440 38INVESTORS HERITAGE LIFE INS CO6490498 3815.75% 0.00% 100.00%$8,081 52GUARANTEE TRUST GRP68799 5293.78% 0.00% 100.00%$7,898 7RESERVOIR CAPITAL GRP4764100 70.00% 0.00% 100.00%$7,148 64PACIFIC GUARDIAN LIFE INS CO LTD64343101 64(187.14)% 0.00% 100.00%$6,650 32SENTRY INS GRP169102 32313.98% 0.00% 100.00%

© 2016 National Association of Insurance Commissioners 101

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Disability Income - Long-Term

$6,113 52KEMPER CORP GRP215103 48680.48% 0.00% 100.00%$5,672 19OHIO MUT GRP963104 1911.50% 0.00% 100.00%$5,482 55TORCHMARK CORP GRP290105 55(144.71)% 0.00% 100.00%$4,637 21BANNER LIFE GRP872106 34784.17% 0.00% 100.00%$4,594 10CENTRAL STATES GRP690107 1043.54% 0.00% 100.00%$3,290 10ANTHEM INC GRP671108 1091.16% 0.00% 100.00%$2,912 11BENEFICIAL LIFE GRP615109 11211.16% 0.00% 100.00%$2,742 8ADVANTAGE CAPITAL GRP4824110 8(3.57)% 0.00% 100.00%$2,606 10HOMESHIELD CAPITAL GRP2858111 10(37.68)% 0.00% 100.00%$2,156 6GLEANER LIFE INS SOCIETY56154112 62,876.62% 0.00% 100.00%$1,946 14OLD SURETY LIFE INS CO67326113 14530.47% 0.00% 100.00%

$901 28SUN LIFE ASSUR CO OF CN GRP549114 282,885.90% 0.00% 100.00%$775 10COLUMBIAN LIFE GRP535115 10(932.90)% 0.00% 100.00%$196 1SECURITY NATL GRP454116 1(5,373.47)% 0.00% 100.00%$153 2ARMCO INS INC GRP143117 2(15,524.18)% 0.00% 100.00%$141 1UNITED HERITAGE MUT GRP2878118 1161.70% 0.00% 100.00%

$86 0SOUTHLAND NATL HOLDING GRP4827119 00.00% 0.00% 100.00%

$4,751,572,909 3,120,172Grand Total 3,138,09382.34% 100.00%

© 2016 National Association of Insurance Commissioners 102

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Long-Term Care

$2,400,571,893 1,112,706GENWORTH FIN GRP40111 1,016,801132.37% 23.50% 23.50%$1,376,893,954 597,104JOHN HANCOCK GRP9042 597,104118.20% 13.48% 36.99%

$682,671,225 304,998METROPOLITAN GRP2413 85200.39% 6.68% 43.67%$551,500,672 231,207NORTHWESTERN MUT GRP8604 231,20797.40% 5.40% 49.07%$482,296,712 266,120AEGON US HOLDING GRP4685 262,183299.48% 4.72% 53.79%$468,723,151 264,430CNO FINANCIAL GRP2336 215,199149.11% 4.59% 58.38%$329,337,914 177,234CNA INS GRP2187 177,234304.32% 3.22% 61.61%$306,633,905 152,453MUTUAL OF OMAHA GRP2618 152,45398.84% 3.00% 64.61%$289,086,384 153,891UNUMPROVIDENT CORP GRP5659 153,891270.29% 2.83% 67.44%$255,629,912 135,576NEW YORK LIFE GRP82610 135,576108.73% 2.50% 69.94%$221,668,360 5,897MOLINA HEALTHCARE INC GRP153111 5,89791.13% 2.17% 72.11%$215,267,902 127,932STATE FARM GRP17612 127,932153.71% 2.11% 74.22%$212,270,832 85,993MASS MUT LIFE INS GRP43513 67,510198.27% 2.08% 76.30%$207,125,505 80,540PRUDENTIAL OF AMER GRP30414 80,54082.31% 2.03% 78.33%$203,651,516 119,468AMERIPRISE FIN GRP415 119,468245.62% 1.99% 80.32%$198,536,750 123,671THRIVENT FINANCIAL FOR LUTHERANS GRP293816 107,988248.80% 1.94% 82.26%$189,337,115 123,101ALLIANZ INS GRP76117 99,944221.31% 1.85% 84.12%$157,492,137 89,377ASSURANT INC GRP1918 89,377291.73% 1.54% 85.66%$156,430,430 8,962PRESBYTERIAN HLTHCARE SERV GRP48119 8,96290.49% 1.53% 87.19%$127,711,845 70,770SENIOR HLTH INS CO OF PA7632520 63,775222.36% 1.25% 88.44%$122,258,367 86,534LIFETIME HLTHCARE GRP118621 86,534177.67% 1.20% 89.64%

$74,736,903 34,191ADVANTAGE CAPITAL GRP482422 34,191159.44% 0.73% 90.37%$71,492,632 41,994HC2 HOLDINGS GRP485223 38,710145.66% 0.70% 91.07%$65,649,734 16,558GUARDIAN LIFE GRP42924 10,389107.85% 0.64% 91.71%$63,706,292 1,612UNITEDHEALTH GRP70725 1,612101.71% 0.62% 92.34%$61,166,702 25,890EQUITABLE LIFE & CAS INS CO6295226 21,557100.46% 0.60% 92.94%$60,182,169 52,365RESOLUTION LIFE GRP481527 34,792276.37% 0.59% 93.53%$59,882,506 45,387KNIGHTS OF COLUMBUS5803328 45,38797.66% 0.59% 94.11%$49,186,106 28,335PHYSICIANS MUT GRP36729 28,303196.70% 0.48% 94.59%$47,165,234 30,325CUNA MUT GRP30630 30,32585.60% 0.46% 95.06%$44,872,590 31,736HUMANA GRP11931 31,736313.57% 0.44% 95.49%$34,476,446 22,958COUNTRY INS & FIN SERV GRP5032 20,694210.12% 0.34% 95.83%$31,103,005 15,604UNITED SECURITY ASSUR CO OF PA4212933 15,604102.11% 0.30% 96.14%$30,843,662 28,743AFLAC GRP37034 26,008148.72% 0.30% 96.44%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Long-Term Care

$28,959,499 20,287GUARANTEE TRUST GRP68735 19,13885.40% 0.28% 96.72%$25,300,002 19,577BCBS OF MI GRP57236 19,57758.42% 0.25% 96.97%$24,770,392 11,851JACKSON NATL GRP91837 11,851238.15% 0.24% 97.21%$24,134,509 15,922SOUTHERN FARM BUREAU LIFE INS CO6889638 15,922172.45% 0.24% 97.45%$23,815,365 9,405AMERICAN FIDELITY & LIBERTY INC GRP128939 9,405120.98% 0.23% 97.68%$23,766,028 7,598AMERICAN INTL GRP1240 6,172441.33% 0.23% 97.92%$22,913,264 10,828ONEAMERICA FIN PARTNERS GRP61941 10,828197.50% 0.22% 98.14%$20,109,297 10,268TIAA FAMILY GRP121642 10,268175.71% 0.20% 98.34%$19,717,432 15,737AMERICAN FIDELITY CORP GRP33043 13,201137.08% 0.19% 98.53%$15,715,110 7,041UNIVERSAL AMER FIN CORP GRP95344 6,104151.77% 0.15% 98.68%

$8,630,514 5,979AMERICAN ENTERPRISE MUT GRP352745 5,940175.07% 0.08% 98.77%$8,220,735 5,385GOLDMAN SACHS GRP389146 5,38535.92% 0.08% 98.85%$8,076,341 3,772ALLSTATE INS GRP847 3,782168.07% 0.08% 98.93%$7,599,317 4,076AUTO OWNERS GRP28048 4,076102.88% 0.07% 99.00%$7,558,420 5,431TORCHMARK CORP GRP29049 4,779122.89% 0.07% 99.08%$7,101,159 1,997TEACHERS PROTECTIVE MUT LIFE INS CO6935350 1,906113.71% 0.07% 99.15%$6,540,795 4,465CVS CAREMARK GRP466751 4,331135.06% 0.06% 99.21%$6,375,211 3,341BCBS OF MN GRP46152 3,34168.04% 0.06% 99.27%$5,765,920 4,406ZURICH INS GRP21253 4,340291.45% 0.06% 99.33%$4,680,151 3,042AMERICAN FAMILY INS GRP47354 3,042213.69% 0.05% 99.37%$4,120,339 1,955ANTHEM INC GRP67155 1,955642.69% 0.04% 99.41%$3,944,324 2,934BCBS OF KS GRP43056 2,934195.64% 0.04% 99.45%$3,792,505 1,827LINCOLN NATL GRP2057 1,827229.39% 0.04% 99.49%$3,750,725 2,319PREMERA BLUE CROSS GRP96258 2,319254.95% 0.04% 99.53%$3,647,738 2,417HIGHMARK GRP81259 2,320137.41% 0.04% 99.56%$3,193,792 2,975PRINCIPAL FIN GRP33260 2,9751,522.33% 0.03% 99.59%$2,772,639 1,082ASSURITY LIFE INS CO7143961 685100.90% 0.03% 99.62%$2,752,644 1,776AMERICAN FINANCIAL GRP8462 1,747272.15% 0.03% 99.65%$2,740,624 1,202PENN TREATY AMER GRP81063 1,202450.63% 0.03% 99.67%$2,675,362 1,240CINCINNATI FIN GRP24464 1,24053.67% 0.03% 99.70%$2,623,093 1,545HCSC GRP91765 1,412296.31% 0.03% 99.73%$2,616,520 1,784INDEPENDENCE HLTH GRP INC GRP93666 1,784143.50% 0.03% 99.75%$2,615,007 1,050MINNESOTA MUT GRP86967 64292.32% 0.03% 99.78%$2,549,739 1,845WOODMEN WORLD LIFE INS SOC5732068 1,845227.52% 0.02% 99.80%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Long-Term Care

$2,187,748 1,847BCBS OF NE7778069 1,847189.89% 0.02% 99.82%$1,982,439 1,310AMERICAN NATL FIN GRP40870 1,10492.73% 0.02% 99.84%$1,856,532 92BERKSHIRE HATHAWAY GRP3171 92(61.95)% 0.02% 99.86%$1,602,137 1,366GUARANTY INCOME LIFE INS CO6423872 1,36655.84% 0.02% 99.88%$1,533,555 0NORIDIAN MUT INS CO5589173 00.00% 0.02% 99.89%$1,532,866 0CHUBB LTD GRP62674 0157.65% 0.02% 100.00%$1,396,259 1,232CENTRAL STATES GRP69075 1,232257.30% 0.01% 100.00%$1,214,548 1,691KEMPER CORP GRP21576 1,61920.37% 0.01% 100.00%$1,144,209 681BCBS OF KC GRP53777 681143.16% 0.01% 100.00%$1,130,712 901CATHOLIC ORDER OF FORESTERS5748778 901824.71% 0.01% 100.00%

$846,824 701CAMBIA HEALTH SOLUTIONS INC120779 701212.15% 0.01% 100.00%$800,518 608AETNA GRP180 608174.95% 0.01% 100.00%$659,413 430ATHENE GRP473481 430464.04% 0.01% 100.00%$635,433 556BCBS OF SC GRP66182 55619.79% 0.01% 100.00%$603,080 278AMERCO CORP GRP57483 278179.23% 0.01% 100.00%$581,406 1,372NATIONWIDE CORP GRP14084 1,37221.69% 0.01% 100.00%$556,323 568GENEVE HOLDINGS INC GRP45085 56888.44% 0.01% 100.00%$528,534 475LOUISIANA HLTH SERV GRP43886 475147.62% 0.01% 100.00%$470,211 214BCBS OF AL GRP57087 214129.49% 0.00% 100.00%$450,348 246HARRIS INS HOLDINGS GRP111788 24142.80% 0.00% 100.00%$318,034 324NATIONAL INS CO OF WI INS3015589 32471.80% 0.00% 100.00%$295,804 384UNIVERSAL FIDELITY LIFE INS CO7012290 384144.39% 0.00% 100.00%$274,640 181UNION LABOR GRP78191 18136.89% 0.00% 100.00%$196,922 131CIGNA HLTH GRP90192 131178.44% 0.00% 100.00%$134,585 117STATE MUT INS CO6913293 117341.56% 0.00% 100.00%$116,269 136VOYA FINANCIAL GRP483294 13636.44% 0.00% 100.00%$101,062 101BALTIMORE LIFE INS CO6121295 10184.81% 0.00% 100.00%

$84,997 57HEALTHMARKETS GRP26496 57(2.90)% 0.00% 100.00%$82,740 106PENN MUT GRP85097 86(179.58)% 0.00% 100.00%$76,192 53KANSAS CITY LIFE INS GRP58898 53(50.79)% 0.00% 100.00%$53,805 75PRIMERICA GRP475099 753,687.06% 0.00% 100.00%$47,062 51NESTLE SA GRP4483100 51273.91% 0.00% 100.00%$46,360 0CAREFIRST INC GRP380101 0580.76% 0.00% 100.00%$44,702 49PEKIN INS GRP153102 49(414.95)% 0.00% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Long-Term Care

$43,294 34NEW ERA LIFE GRP520103 34480.94% 0.00% 100.00%$35,650 19TRUSTMARK MUT HOLDING CO GRP276104 19217.23% 0.00% 100.00%$13,616 12FRANKENMUTH GRP1309105 12163.54% 0.00% 100.00%$10,762 14WILTON RE GRP4213106 141,565.06% 0.00% 100.00%

$7,725 6ATLANTIC AMER GRP587107 6(1.41)% 0.00% 100.00%$6,769 9SAGICOR LIFE INS CO60445108 951.69% 0.00% 100.00%$6,421 9BLUE SHIELD OF CA GRP2798109 9(705.90)% 0.00% 100.00%$5,220 10FORTRESS GRP4716110 105,135.15% 0.00% 100.00%$4,567 0XL AMER GRP1285111 1(56.60)% 0.00% 100.00%$3,702 1PROTECTIVE LIFE INS GRP458112 1209.86% 0.00% 100.00%$2,023 2ORDER OF UNITED COMMERCIAL TRAVELERS56383113 2(2,077.85)% 0.00% 100.00%

$10,213,244,429 4,906,943Grand Total 4,343,863162.75% 100.00%

© 2016 National Association of Insurance Commissioners 106

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Medicare Supplement (Medigap)

$3,288,464,611 1,498,056UNITEDHEALTH GRP7071 1,498,06580.80% 16.86% 16.86%$2,320,519,440 1,130,357MUTUAL OF OMAHA GRP2612 1,130,35574.84% 11.89% 28.75%$1,388,875,966 611,350HCSC GRP9173 611,35077.63% 7.12% 35.87%$1,372,938,896 554,099ANTHEM INC GRP6714 554,04774.26% 7.04% 42.90%

$888,448,504 481,606AETNA GRP15 481,59375.91% 4.55% 47.46%$775,436,859 322,298CNO FINANCIAL GRP2336 320,31669.04% 3.97% 51.43%$432,201,221 219,990CIGNA HLTH GRP9017 219,91875.65% 2.22% 53.65%$411,208,479 185,621WELLMARK INC GRP7708 185,62180.80% 2.11% 55.76%$407,383,907 179,336GUIDEWELL MUT HOLDING GRP5369 179,33585.35% 2.09% 57.84%$391,983,196 183,285BCBS OF MA GRP363710 183,28595.23% 2.01% 59.85%$351,568,138 160,371BCBS OF NC INC5463111 160,37176.85% 1.80% 61.66%$339,247,937 145,216HIGHMARK GRP81212 144,66579.51% 1.74% 63.39%$321,159,666 211,002BCBS OF MI GRP57213 193,580149.84% 1.65% 65.04%$303,618,947 158,627HUMANA GRP11914 158,62775.81% 1.56% 66.60%$271,051,785 96,775BCBS OF NJ GRP120215 96,77582.62% 1.39% 67.99%$268,737,714 122,274TORCHMARK CORP GRP29016 122,27465.29% 1.38% 69.36%$265,235,659 107,011STATE FARM GRP17617 106,95974.80% 1.36% 70.72%$247,866,832 108,835PHYSICIANS MUT GRP36718 108,43169.17% 1.27% 71.99%$245,641,473 116,480ARKANSAS BCBS GRP87619 116,48078.19% 1.26% 73.25%$245,003,842 126,558NEW ERA LIFE GRP52020 126,50578.95% 1.26% 74.51%$241,816,794 115,469UNITED SERV AUTOMOBILE ASSN GRP20021 115,46976.22% 1.24% 75.75%$232,113,063 125,650BCBS OF AL GRP57022 125,65085.31% 1.19% 76.94%$223,074,080 105,850BCBS OF KS GRP43023 105,85087.55% 1.14% 78.08%$218,325,558 82,117BCBS OF MN GRP46124 82,11779.76% 1.12% 79.20%$215,183,157 104,734AMERICAN ENTERPRISE MUT GRP352725 102,89369.93% 1.10% 80.30%$179,139,633 66,241CAREFIRST INC GRP38026 66,17572.46% 0.92% 81.22%$145,307,074 83,444AEGON US HOLDING GRP46827 83,25083.33% 0.74% 81.97%$142,393,193 59,702CAMBIA HEALTH SOLUTIONS INC120728 59,69773.94% 0.73% 82.69%$140,896,600 60,054BCBS OF SC GRP66129 60,05465.20% 0.72% 83.42%$133,096,722 59,946BCBS OF NE7778030 59,94681.53% 0.68% 84.10%$128,433,167 58,547TENNESSEE RURAL HLTH GRP467731 58,54772.59% 0.66% 84.76%$122,439,191 42,882WISCONSIN PHYSICIANS SERV INS GRP6832 42,80262.30% 0.63% 85.39%$120,475,713 48,822BCBS OF TN GRP349833 48,82271.23% 0.62% 86.00%$117,880,940 43,055NESTLE SA GRP448334 43,05577.66% 0.60% 86.61%

© 2016 National Association of Insurance Commissioners 107

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Medicare Supplement (Medigap)

$114,832,834 62,601EQUITABLE LIFE & CAS INS CO6295235 62,34476.02% 0.59% 87.20%$114,309,853 30,247UNIVERSAL AMER FIN CORP GRP95336 30,08666.54% 0.59% 87.78%$106,936,831 44,287LOUISIANA HLTH SERV GRP43837 44,28778.37% 0.55% 88.33%$104,353,800 63,888HARRIS INS HOLDINGS GRP111738 63,19479.38% 0.53% 88.86%

$94,692,019 37,189AMERCO CORP GRP57439 37,18975.17% 0.49% 89.35%$90,328,895 27,021HC2 HOLDINGS GRP485240 27,02168.71% 0.46% 89.81%$87,766,298 37,321BCBS OF AZ INC5358941 37,32168.76% 0.45% 90.26%$83,514,184 36,040NORIDIAN MUT INS CO5589142 36,04080.63% 0.43% 90.69%$81,854,946 39,623HARVARD PILGRIM HLTH CARE GRP59543 39,62376.27% 0.42% 91.11%$79,723,251 36,307ATLANTIC AMER GRP58744 36,30769.00% 0.41% 91.52%$74,705,167 33,233BERKSHIRE HATHAWAY GRP3145 33,53974.81% 0.38% 91.90%$71,890,729 31,069PREMERA BLUE CROSS GRP96246 31,06972.04% 0.37% 92.27%$69,512,856 28,345THRIVENT FINANCIAL FOR LUTHERANS GRP293847 28,34564.92% 0.36% 92.63%$65,279,261 32,044AMERICAN NATL FIN GRP40848 32,04470.49% 0.33% 92.96%$65,253,523 32,770GOLDMAN SACHS GRP389149 32,77075.72% 0.33% 93.30%$63,506,812 25,804HEALTH NET INC GRP62350 25,78478.71% 0.33% 93.62%$60,877,780 23,231BCBS OF KC GRP53751 23,23176.75% 0.31% 93.93%$60,779,465 0CHUBB LTD GRP62652 079.16% 0.31% 94.24%$57,719,761 18,851GENWORTH FIN GRP401153 18,85167.17% 0.30% 94.54%$57,166,902 16,026ORDER OF UNITED COMMERCIAL TRAVELERS5638354 16,02679.76% 0.29% 94.83%$56,080,949 21,687COUNTRY INS & FIN SERV GRP5055 21,68670.48% 0.29% 95.12%$53,566,921 41,016CAPITAL BLUE CROSS GRP123056 40,37381.84% 0.27% 95.40%$52,294,123 21,001AFLAC GRP37057 21,00174.93% 0.27% 95.66%$45,734,948 24,330OLD SURETY LIFE INS CO6732658 24,33068.32% 0.23% 95.90%$43,524,539 32,213INDEPENDENCE HLTH GRP INC GRP93659 32,21396.69% 0.22% 96.12%$40,413,934 17,690BCBS OF RI5347360 17,69079.60% 0.21% 96.33%$40,149,926 17,898KEMPER CORP GRP21561 17,67869.86% 0.21% 96.53%$39,037,646 18,794EVERENCE GRP461662 16,43771.47% 0.20% 96.73%$38,298,162 14,945ADVANTAGE CAPITAL GRP482463 14,94573.34% 0.20% 96.93%$34,944,174 43,465DEAN HLTH GRP129464 43,46586.41% 0.18% 97.11%$33,252,028 12,467MISSISSIPPI INS GRP112665 12,46785.38% 0.17% 97.28%$31,682,977 8,726ROYAL NEIGHBORS OF AMER5765766 8,72668.12% 0.16% 97.44%$30,213,352 8,950AMERICAN FAMILY INS GRP47367 8,95067.32% 0.15% 97.60%$29,076,388 13,332MEDICAL MUT OF OH GRP73068 13,33269.75% 0.15% 97.75%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Medicare Supplement (Medigap)

$25,455,660 11,572PEKIN INS GRP15369 11,57271.30% 0.13% 97.88%$24,107,584 15,599TRIPLE S GRP480270 14,01882.04% 0.12% 98.00%$22,731,435 8,524LIFETIME HLTHCARE GRP118671 8,52487.42% 0.12% 98.12%$20,630,354 10,650SPECTRUM HLTH GRP338372 10,65070.57% 0.11% 98.22%$20,450,122 8,659HEARTLAND NATL LIFE INS CO6621473 8,65983.04% 0.10% 98.33%$19,161,943 6,114GUARANTEE TRUST GRP68774 5,97367.40% 0.10% 98.43%$18,811,320 5,512STATE MUT INS CO6913275 5,51270.42% 0.10% 98.52%$18,291,759 8,816BCBS OF WY5376776 8,81676.70% 0.09% 98.62%$17,396,389 8,205BCBS OF VT GRP474577 8,20582.71% 0.09% 98.70%$17,306,799 6,792BLUE CROSS OF ID GRP129078 6,79279.69% 0.09% 98.79%$16,410,667 9,068AVERA HLTH PLANS INC9583979 9,06868.20% 0.08% 98.88%$14,193,244 10,293MEDICAL ASSOCIATES GRP481180 10,29393.46% 0.07% 98.95%$13,194,331 7,344TUFTS GRP474281 7,34490.76% 0.07% 99.02%$13,125,285 3,584STERLING INVESTORS LIFE INS CO8918482 3,58459.99% 0.07% 99.09%$11,579,427 3,280CENTRAL STATES GRP69083 3,28061.78% 0.06% 99.14%$10,731,576 4,592CDPHP INC GRP470884 4,592117.41% 0.06% 99.20%

$9,909,066 0CENTENE CORP GRP129585 2,4820.00% 0.05% 99.25%$9,063,388 13,842INDIVIDUAL ASSUR CO LIFE HLTH & ACC8177986 13,84266.77% 0.05% 99.30%$8,919,718 3,430UNIVERSAL FIDELITY LIFE INS CO7012287 3,43070.21% 0.05% 99.34%$8,192,351 2,484NATIONWIDE CORP GRP14088 2,37765.49% 0.04% 99.38%$7,479,197 3,871FIRST COMM HLTH PLAN INC4705189 3,87168.88% 0.04% 99.42%$7,307,804 1,882ECG GRP482690 1,88275.47% 0.04% 99.46%$7,129,599 2,318RESERVOIR CAPITAL GRP476491 2,31866.82% 0.04% 99.50%$6,788,385 2,269HEALTH NOW NY INC5520492 2,26997.44% 0.03% 99.53%$6,447,760 1,526CVS CAREMARK GRP466793 1,52561.50% 0.03% 99.56%$6,176,838 1,971CARLE HOLDING CO GRP119294 1,70371.30% 0.03% 99.60%$5,908,713 1,924EMBLEM HLTH GRP112795 1,92483.45% 0.03% 99.63%$5,796,244 1,788AMERICAN FINANCIAL GRP8496 1,78875.07% 0.03% 99.66%$5,571,463 2,123FALLON GRP474197 2,123103.75% 0.03% 99.68%$5,224,434 1,313LINCOLN HERITAGE LIFE INS CO6592798 1,31352.25% 0.03% 99.71%$5,187,236 1,751SECURITY HLTH PLAN OF WI INC9688199 1,75179.74% 0.03% 99.74%$4,576,143 1,562UNIFIED LIFE INS CO11121100 1,562102.63% 0.02% 99.76%$4,202,696 1,764HEALTH TRADITION HLTH PLAN96628101 1,76478.80% 0.02% 99.78%$4,104,908 1,651GEISINGER INS GRP1143102 1,65172.91% 0.02% 99.80%

© 2016 National Association of Insurance Commissioners 109

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Medicare Supplement (Medigap)

$3,442,741 1,797UNITY HLTH PLANS INS CORP95796103 1,79779.74% 0.02% 99.82%$3,063,776 1,119VANGUARD HLTH VENTURES GRP1212104 1,11974.91% 0.02% 99.84%$3,020,736 1,319PHYSICIANS PLUS INS CORP95341105 1,31970.29% 0.02% 99.85%$2,938,522 1,321GROUP HLTH COOP OF S CENTRAL WI95311106 1,32195.89% 0.02% 99.87%$2,665,731 938GROUP HLTH COOP GRP1185107 93283.82% 0.01% 99.88%$2,454,467 677NEW YORK LIFE GRP826108 67671.84% 0.01% 99.89%$2,329,971 910HENRY FORD HLTH SYSTEM GRP1311109 91083.05% 0.01% 100.00%$1,753,973 570WILTON RE GRP4213110 56954.09% 0.01% 100.00%$1,573,362 413JEFFERSON NATIONAL GRP4836111 41370.78% 0.01% 100.00%$1,536,175 879NEW W HLTH SERV95829112 87973.39% 0.01% 100.00%$1,505,793 488AMERICAN INTL GRP12113 45649.89% 0.01% 100.00%$1,004,326 1,086STANDARD LIFE & CAS INS CO71706114 1,08666.46% 0.01% 100.00%

$974,652 417COMMUNITYCARE GRP3487115 41778.89% 0.00% 100.00%$772,935 206AUTO OWNERS GRP280116 20647.22% 0.00% 100.00%$731,461 271UTMB HLTH PLANS INC95764117 27145.49% 0.00% 100.00%$699,266 306SHELTER INS GRP123118 30697.14% 0.00% 100.00%$672,173 218ASSURANT INC GRP19119 21872.49% 0.00% 100.00%$505,962 150SPJST57436120 15065.70% 0.00% 100.00%$498,292 270AULTMAN HLTH FOUNDATION GRP4805121 27071.76% 0.00% 100.00%$489,681 468WESTERN CATHOLIC UNION57711122 46875.38% 0.00% 100.00%$488,000 168HEALTHPARTNERS GRP1258123 16879.51% 0.00% 100.00%$455,356 87MEDICA GRP1552124 87162.97% 0.00% 100.00%$440,537 95CROY HALL MGMT GRP1339125 9152.81% 0.00% 100.00%

$19,510,186,336 8,922,511Grand Total 8,895,94678.14% 100.00%

© 2016 National Association of Insurance Commissioners 110

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Dental

$786,752,301 2,576,963MCNA GRP47301 2,576,96380.29% 30.28% 30.28%$182,390,946 579,194AFLAC GRP3702 339,26446.63% 7.02% 37.30%$173,690,252 756,188HUMANA GRP1193 539,11846.90% 6.69% 43.99%$121,216,443 321,651HCSC GRP9174 178,52658.16% 4.67% 48.66%$119,696,306 304,939RENAISSANCE HLTH SERV CORP GRP4775 238,46771.97% 4.61% 53.26%

$85,918,123 215,419ANTHEM INC GRP6716 150,74050.77% 3.31% 56.57%$79,939,990 280,462CIGNA HLTH GRP9017 179,27394.56% 3.08% 59.65%$68,324,542 197,191UNITEDHEALTH GRP7078 129,82650.72% 2.63% 62.28%$63,189,877 361,277DENTCARE DELIVERY SYSTEMS INC471129 181,89284.02% 2.43% 64.71%$62,008,460 198,324BLUE CROSS OF ID GRP129010 209,37188.65% 2.39% 67.10%$51,796,753 180,256ASSURANT INC GRP1911 131,19551.60% 1.99% 69.09%$44,913,240 160,508GUIDEWELL MUT HOLDING GRP53612 103,21564.06% 1.73% 70.82%$41,681,544 146,910HEALTHMARKETS GRP26413 101,25636.17% 1.60% 72.42%$39,335,808 88,190BCBS OF NC INC5463114 61,27471.34% 1.51% 73.94%$38,334,971 180,258DENTEGRA GRP247915 130,10853.49% 1.48% 75.41%$35,120,266 148,130NEVADA DENTAL BENEFITS LTD1381316 148,13076.00% 1.35% 76.77%$34,455,037 135,679BCBS OF AL GRP57017 88,95967.48% 1.33% 78.09%$32,711,326 58,453AMERICAN ENTERPRISE MUT GRP352718 58,45363.88% 1.26% 79.35%$28,070,383 80,056PHYSICIANS MUT GRP36719 67,33747.66% 1.08% 80.43%$24,260,070 71,884BCBS OF KS GRP43020 60,39784.59% 0.93% 81.37%$23,127,268 3,827BCBS OF MI GRP57221 2,32371.19% 0.89% 82.26%$22,418,738 58,465DELTA DENTAL OF MN5503422 31,35270.35% 0.86% 83.12%$19,810,583 60,407DELTA DENTAL OF WA4734123 28,90368.04% 0.76% 83.88%$18,974,771 34,357NORTHEAST DELTA DENTAL GRP476324 22,53473.23% 0.73% 84.61%$18,793,281 55,096CORVESTA GRP472925 37,06381.68% 0.72% 85.34%$18,375,921 37,705CAPITAL BLUE CROSS GRP123026 64,86967.53% 0.71% 86.04%$17,937,690 50,778CAREFIRST INC GRP38027 32,385103.11% 0.69% 86.73%$17,664,858 19,974CITIZENS SECURITY LIFE INS CO6192128 19,97457.46% 0.68% 87.41%$17,429,585 42,550COLORADO DENTAL SERV INC5587529 26,43271.47% 0.67% 88.08%$14,680,156 46,918OREGON DENTAL GRP131330 32,45485.78% 0.57% 88.65%$14,499,783 0ARKANSAS BCBS GRP87631 074.34% 0.56% 89.21%$12,646,354 45,344BCBS OF TN GRP349832 30,37568.78% 0.49% 89.69%$12,486,495 52,261STARMOUNT LIFE INS CO6898533 36,53252.85% 0.48% 90.17%$12,401,042 34,386DELTA DENTAL OF WI GRP384934 24,46071.15% 0.48% 90.65%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Dental

$11,306,867 36,666DENTAQUEST GRP451235 5,70950.88% 0.44% 91.09%$11,173,658 25,154BCBS OF RI5347336 19,91178.64% 0.43% 91.52%$11,017,932 4,968FIDELITY SECURITY GRP45137 4,96870.81% 0.42% 91.94%$10,782,247 27,064PREMERA BLUE CROSS GRP96238 11,42049.97% 0.42% 92.36%$10,084,040 20,277BLUE SHIELD OF CA GRP279839 15,75239.07% 0.39% 92.74%

$9,788,125 13,759AMERITAS MUT HOLDING GRP94340 13,75952.18% 0.38% 93.12%$9,308,319 18,883BEST LIFE & HLTH INS CO9063841 15,24548.26% 0.36% 93.48%$9,279,093 20,146AEGON US HOLDING GRP46842 17,23959.17% 0.36% 93.84%$9,201,781 24,460DELTA DENTAL OF KS GRP463843 7,18777.56% 0.35% 94.19%$8,955,109 65,871GUARDIAN LIFE GRP42944 47,82265.33% 0.34% 94.54%$8,934,136 34,940HEALTHPLEX GRP8545 59,69363.03% 0.34% 94.88%$8,806,464 0HAWAII MEDICAL SERV ASSN4994846 066.30% 0.34% 95.22%$8,632,017 26,851DELTA DENTAL PLAN OF AR INC4715547 17,14872.29% 0.33% 95.55%$6,933,512 7,729L S S GRP474448 7,72974.85% 0.27% 95.82%$6,865,959 19,051BCBS OF KC GRP53749 15,28766.86% 0.26% 96.08%$6,639,272 0CHUBB LTD GRP62650 059.62% 0.26% 96.34%$6,627,390 35,894MEDICAL MUT OF OH GRP73051 19,28344.36% 0.26% 96.59%$5,852,590 33,290UPMC HLTH SYSTEM GRP132452 33,29079.19% 0.23% 96.82%$5,801,690 11,992KEMPER CORP GRP21553 9,03959.68% 0.22% 97.04%$5,001,296 21,551DENTAL HLTH SERV4749054 15,62745.75% 0.19% 97.23%$4,815,278 147HIGHMARK GRP81255 6554.28% 0.19% 97.42%$4,752,021 14,913CAMBIA HEALTH SOLUTIONS INC120756 10,74169.96% 0.18% 97.60%$4,543,375 14,852DELTA DENTAL OF RI GRP157157 1,48787.95% 0.17% 97.78%$4,185,359 4,023NATIONAL GUARDIAN LIFE INS GRP121158 4,02358.74% 0.16% 97.94%$3,954,538 14,903LOUISIANA HLTH SERV GRP43859 11,65760.43% 0.15% 98.09%$3,889,663 11,311DELTA DENTAL PLAN OF ID INC4779160 7,57199.61% 0.15% 98.24%$3,262,185 11,712WELLMARK INC GRP77061 7,19672.16% 0.13% 98.37%$3,237,735 16,271BCBS OF SC GRP66162 9,14952.06% 0.12% 98.49%$3,087,899 2,558SPECTRUM HLTH GRP338363 2,55876.96% 0.12% 98.61%$2,578,973 0HEALTH NET INC GRP62364 0188.04% 0.10% 98.71%$2,349,746 13,483EMPLOYERS DENTAL SERV5309065 8,23653.21% 0.09% 98.80%$2,301,859 2,460CENTENNIAL CAS CO3456866 2,4600.00% 0.09% 98.89%$2,156,367 2,143PRE PAID DENTAL SERV INC1320867 049.57% 0.08% 98.97%$2,111,326 0KAISER FOUNDATION GRP60168 090.35% 0.08% 99.05%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Dental

$2,093,722 3,543GUARANTY INCOME LIFE INS CO6423869 3,54369.58% 0.08% 99.13%$1,884,040 7,858DENTAL CARE PLUS INC9626570 5,44043.78% 0.07% 99.21%$1,740,619 2,598GROUP HLTH COOP GRP118571 1,96090.76% 0.07% 99.27%$1,580,647 6,066AMERICAN FIDELITY CORP GRP33072 3,47761.72% 0.06% 99.33%$1,575,148 5,785WESTBRIDGE CAPITAL GRP83973 3,25749.14% 0.06% 99.39%$1,492,628 15,317TRIPLE S GRP480274 15,31759.10% 0.06% 99.45%$1,476,675 3,961DELTA DENTAL PLAN OF WY1520075 2,40574.67% 0.06% 99.51%$1,450,881 8,917BCBS OF NJ GRP120276 8,917164.07% 0.06% 99.56%$1,268,911 1,854NATIONAL DENTAL CARE INC1284477 067.37% 0.05% 99.61%$1,114,805 4,445BCBS OF AZ INC5358978 2,70865.53% 0.04% 99.66%$1,036,014 0INDEPENDENCE HLTH GRP INC GRP93679 032.43% 0.04% 99.70%$1,013,857 2,802CVS CAREMARK GRP466780 2,51337.98% 0.04% 99.73%

$943,084 2,592UNIVERSAL AMER FIN CORP GRP95381 2,33145.64% 0.04% 99.77%$934,690 915SENIORDENT GRP482282 065.22% 0.04% 99.81%$617,345 922OLD SURETY LIFE INS CO6732683 92270.44% 0.02% 99.83%$554,029 1,614HC2 HOLDINGS GRP485284 70266.43% 0.02% 99.85%$493,100 1,297SOLSTICE HEALTH INS CO1397185 87718.44% 0.02% 99.87%$452,679 1,221GOLDEN DENTAL PLANS INC1111386 88749.69% 0.02% 99.89%$447,033 1,749HEALTH NOW NY INC5520487 1,36981.16% 0.02% 100.00%$430,787 2,869NEW ERA LIFE GRP52088 1,54921.24% 0.02% 100.00%$430,139 2,341UNUMPROVIDENT CORP GRP56589 2,34155.21% 0.02% 100.00%$308,231 679CROY HALL MGMT GRP133990 53141.71% 0.01% 100.00%$302,075 1,307CENTENE CORP GRP129591 1,30798.51% 0.01% 100.00%$214,347 896MUTUAL OF OMAHA GRP26192 73176.65% 0.01% 100.00%$187,070 1,622DENTA CHEK OF MD INC4707493 75846.81% 0.01% 100.00%$161,681 154UNIFIED LIFE INS CO1112194 15470.68% 0.01% 100.00%$160,311 1,022SOLSTICE BENEFITS INC1234195 72792.06% 0.01% 100.00%$129,831 117PREMIER CHOICE DENTAL INC9522496 9890.00% 0.00% 100.00%

$82,960 250HARRIS INS HOLDINGS GRP111797 25487.88% 0.00% 100.00%$26,162 51WARRIOR INVICTUS HOLDING CO GRP472798 4334.12% 0.00% 100.00%$20,156 26GROUP HLTH COOP OF EAU CLAIRE9519299 1858.54% 0.00% 100.00%

$6,069 2EMBLEM HLTH GRP1127100 20.00% 0.00% 100.00%

$2,597,900,710 8,226,114Grand Total 6,529,80968.19% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

State Childrens Health Insurance Program

$487,843,731 197,831UNITEDHEALTH GRP7071 198,60971.53% 19.07% 19.07%$380,269,259 222,353ANTHEM INC GRP6712 222,35380.24% 14.87% 33.94%$227,627,979 117,969WELLCARE GRP11993 117,96979.11% 8.90% 42.84%$180,702,812 112,326CENTENE CORP GRP12954 112,32688.51% 7.06% 49.90%$165,763,755 115,443AETNA GRP15 115,44368.68% 6.48% 56.38%$125,901,864 58,771TEXAS CHILDRENS HLTH PLAN INC953296 58,77185.58% 4.92% 61.31%$106,301,222 70,046MOLINA HEALTHCARE INC GRP15317 70,04682.69% 4.16% 65.46%

$69,746,821 26,718WELLMARK INC GRP7708 26,71886.69% 2.73% 68.19%$67,823,609 26,122LIFETIME HLTHCARE GRP11869 26,12282.91% 2.65% 70.84%$62,586,879 22,744HIGHMARK GRP81210 22,74481.46% 2.45% 73.29%$61,990,483 27,052COMMUNITY HLTH CHOICE INC9561511 27,05291.76% 2.42% 75.71%$54,803,581 31,674UPMC HLTH SYSTEM GRP132412 31,67491.49% 2.14% 77.85%$52,378,893 26,993COLORADO ACCESS GRP478113 26,99389.23% 2.05% 79.90%$51,864,512 25,754PARKLAND COMM HLTH PLAN INC9541414 289.77% 2.03% 81.93%$49,739,021 19,956INDEPENDENCE HLTH GRP INC GRP93615 19,95690.42% 1.94% 83.87%$41,769,857 44,981EMBLEM HLTH GRP112716 44,98175.84% 1.63% 85.51%$38,273,759 6,147VANGUARD HLTH VENTURES GRP121217 6,14794.69% 1.50% 87.00%$36,202,106 12,820CDPHP INC GRP470818 12,82075.02% 1.42% 88.42%$32,948,690 15,562CAPITAL BLUE CROSS GRP123019 15,13487.13% 1.29% 89.71%$26,342,893 18,685COMMUNITY FIRST GRP273820 18,68584.05% 1.03% 90.74%$23,306,720 9,283GEISINGER INS GRP114321 9,28380.09% 0.91% 91.65%$19,164,601 3,889DENVER HLTH MEDICAL PLAN INC9575022 3,88990.68% 0.75% 92.40%$16,781,695 9,560IHC INC GRP88023 9,56088.72% 0.66% 93.05%$15,432,041 10,265HEALTH PARTNERS PLANS INC9506624 10,26567.97% 0.60% 93.66%$15,366,802 10,854KAISER FOUNDATION GRP60125 10,863142.21% 0.60% 94.26%$14,106,441 8,557SETON HLTH PLAN INC9524026 8,55780.64% 0.55% 94.81%$13,557,852 7,854ROCKY MOUNTAIN HLTH GRP118427 7,85494.20% 0.53% 95.34%$13,285,094 10,060EL PASO FIRST HLTH PLANS INC5263528 10,06084.76% 0.52% 95.86%$12,768,375 6,550DRISCOLL CHILDRENS HLTH PLAN9580929 6,550104.90% 0.50% 96.36%$10,536,577 49,613COLORADO DENTAL SERV INC5587530 49,61391.00% 0.41% 96.77%$10,110,491 4,987SPECTRUM HLTH GRP338331 4,98776.35% 0.40% 97.17%

$7,966,333 3,509BCBS OF WY5376732 3,50980.43% 0.31% 97.48%$7,248,961 2,380NORIDIAN MUT INS CO5589133 2,38078.81% 0.28% 97.76%$6,874,949 3,642INDEPENDENT HLTH ASSN9530834 2,34175.95% 0.27% 98.03%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

State Childrens Health Insurance Program

$6,704,118 2,093HEALTH NOW NY INC5520435 2,09357.92% 0.26% 98.29%$6,579,319 4,368FIRSTCARE GRP354936 4,36888.39% 0.26% 98.55%$6,387,244 5,462COMMUNITY HLTH PLAN OF WA4704937 5,462113.23% 0.25% 98.80%$6,258,899 0HEALTHPLUS OF MI GRP340938 060.61% 0.24% 99.04%$5,225,568 2,263BCBS OF MI GRP57239 2,26384.23% 0.20% 99.25%$3,350,687 1,804HENRY FORD HLTH SYSTEM GRP131140 1,80469.31% 0.13% 99.38%$3,158,057 0GUIDEWELL MUT HOLDING GRP53641 084.77% 0.12% 99.50%$2,934,470 1,675TOTAL HLTH GRP123842 1,67551.99% 0.11% 99.62%$2,866,898 703PHYSICIANS HLTH PLAN OF MID MI GRP340843 143.86% 0.11% 99.73%$2,559,452 1,399MVP GRP119844 1,39972.29% 0.10% 99.83%$2,434,080 1,241UPPER PENINSULA HLTH PLAN LLC5261545 1,24162.08% 0.10% 100.00%$1,267,755 4,370GOLDEN DENTAL PLANS INC1111346 4,37065.13% 0.05% 100.00%

$688,744 411GRAND VALLEY HLTH PLAN INC9545347 41132.55% 0.03% 100.00%

$2,557,803,949 1,366,739Grand Total 1,339,34380.79% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Medicare

$29,282,283,115 2,878,924HUMANA GRP1191 2,878,92484.38% 21.33% 21.33%$28,313,536,723 2,779,743UNITEDHEALTH GRP7072 2,779,73580.97% 20.62% 41.94%$13,621,035,231 1,259,811AETNA GRP13 1,259,81182.73% 9.92% 51.86%

$6,044,997,129 471,822CIGNA HLTH GRP9014 428,05084.45% 4.40% 56.27%$5,824,384,561 534,179ANTHEM INC GRP6715 534,17981.82% 4.24% 60.51%$3,319,228,577 397,724WELLCARE GRP11996 397,72485.31% 2.42% 62.93%$3,034,791,229 251,339HIGHMARK GRP8127 251,33990.76% 2.21% 65.14%$2,167,854,643 195,398KAISER FOUNDATION GRP6018 183,570102.50% 1.58% 66.71%$2,024,347,492 129,761HEALTHFIRST INC GRP47789 129,76185.96% 1.47% 68.19%$1,615,614,600 146,902UPMC HLTH SYSTEM GRP132410 146,90289.87% 1.18% 69.37%$1,517,002,640 179,808MEDICAL CARD SYSTEM INC GRP130111 179,80887.33% 1.10% 70.47%$1,414,358,125 113,195INDEPENDENCE HLTH GRP INC GRP93612 113,19587.50% 1.03% 71.50%$1,314,651,170 110,333EMBLEM HLTH GRP112713 110,30891.61% 0.96% 72.46%$1,258,496,371 139,483GUIDEWELL MUT HOLDING GRP53614 139,48391.78% 0.92% 73.37%$1,234,618,149 107,047UNIVERSAL AMER FIN CORP GRP95315 107,04782.55% 0.90% 74.27%$1,174,413,508 117,012BCBS OF MI GRP57216 117,01289.67% 0.86% 75.13%$1,134,988,011 126,978BCBS OF NC INC5463117 126,97888.74% 0.83% 75.96%$1,107,527,982 113,924CAMBIA HEALTH SOLUTIONS INC120718 113,92494.32% 0.81% 76.76%$1,097,231,635 123,888TRIPLE S GRP480219 123,88884.44% 0.80% 77.56%$1,094,305,260 85,706TUFTS GRP474220 85,70690.14% 0.80% 78.36%$1,068,624,569 174,905BCBS OF MN GRP46121 174,90580.93% 0.78% 79.14%

$953,621,845 103,952HEALTH NET INC GRP62322 103,95295.70% 0.69% 79.83%$938,406,280 74,277MOLINA HEALTHCARE INC GRP153123 74,27789.41% 0.68% 80.51%$917,397,260 90,837INDEPENDENT HLTH ASSN9530824 90,83796.59% 0.67% 81.18%$916,482,642 86,967GEISINGER INS GRP114325 86,96785.93% 0.67% 81.85%$891,789,120 93,444UCARE GRP438026 93,44499.49% 0.65% 82.50%$881,123,211 174,571MEDICA GRP155227 174,54984.47% 0.64% 83.14%$851,672,080 98,967BCBS OF TN GRP349828 98,96795.95% 0.62% 83.76%$847,292,022 86,944HCSC GRP91729 86,944104.15% 0.62% 84.38%$830,375,009 90,295LIFETIME HLTHCARE GRP118630 90,29591.48% 0.60% 84.98%$811,832,307 68,431AMERICAS 1ST CHOICE GRP475531 68,43172.87% 0.59% 85.57%$765,482,464 86,470SPECTRUM HLTH GRP338332 86,47086.54% 0.56% 86.13%$710,447,936 0PEOPLES HLTH INC1360733 085.00% 0.52% 86.65%$695,673,043 0HEALTH SUN HLTH PLANS1012234 087.94% 0.51% 87.16%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Medicare

$584,900,139 56,864GROUP HLTH COOP GRP118535 56,45296.19% 0.43% 87.58%$576,600,762 43,709HEALTH NOW NY INC5520436 43,70989.05% 0.42% 88.00%$571,056,189 58,178CARE 1ST HEALTH PLAN1514337 58,17894.33% 0.42% 88.42%$556,014,918 52,849ESSENCE GRP459738 52,84977.32% 0.40% 88.82%$548,734,193 65,450NETWORK HLTH GRP267839 65,45092.48% 0.40% 89.22%$523,473,193 50,479CHE TRINITY INC GRP283840 50,47990.24% 0.38% 89.60%$513,175,796 45,152VIVA HLTH INC9532241 45,15287.19% 0.37% 89.98%$503,186,730 56,118BCBS OF RI5347342 56,11889.42% 0.37% 90.34%$493,866,772 35,276CENTENE CORP GRP129543 35,27690.78% 0.36% 90.70%$493,662,767 48,244PROVIDENCE HLTH GRP478844 46,06193.39% 0.36% 91.06%$467,631,215 0MEDISUN INC9598245 089.34% 0.34% 91.40%$452,697,489 42,989SECURITY HLTH PLAN OF WI INC9688146 42,98986.60% 0.33% 91.73%$436,819,120 39,817MVP GRP119847 39,81794.07% 0.32% 92.05%$434,578,136 50,960BCBS OF AL GRP57048 50,96090.92% 0.32% 92.37%$418,965,303 30,664AVMED INC9526349 30,66488.79% 0.31% 92.67%$414,734,351 41,129BCBS OF MA GRP363750 41,12996.06% 0.30% 92.97%$397,182,372 36,936HAWAII MEDICAL SERV ASSN4994851 36,93683.31% 0.29% 93.26%$390,459,000 49,635HEALTHPARTNERS GRP125852 49,63588.33% 0.28% 93.55%$377,803,218 42,585PRESBYTERIAN HLTHCARE SERV GRP48153 75,59285.55% 0.28% 93.82%$351,597,082 33,951HENRY FORD HLTH SYSTEM GRP131154 33,95188.38% 0.26% 94.08%$350,926,253 34,147CDPHP INC GRP470855 34,14793.23% 0.26% 94.33%$325,406,251 33,577BLUE CROSS OF ID GRP129056 33,57792.24% 0.24% 94.57%$323,561,783 25,379BCBS OF NJ GRP120257 25,37989.09% 0.24% 94.81%$319,895,655 30,015KS PLAN ADMINISTRATORS LLC1282758 30,01585.67% 0.23% 95.04%$297,164,268 30,035HEALTH FIRST GRP474059 30,03583.90% 0.22% 95.26%$291,059,464 32,670PACIFICSOURCE HLTH PLAN GRP470460 32,67092.47% 0.21% 95.47%$282,511,838 14,846CAIDAN ENTERPRISES INC GRP464061 14,84689.99% 0.21% 95.67%$273,489,690 29,078COMMUNITYCARE GRP348762 29,07889.35% 0.20% 95.87%$271,554,622 26,419SUMMA HLTH GRP325963 26,41990.69% 0.20% 96.07%$270,953,178 35,722MARTINS POINT GRP484864 35,72299.38% 0.20% 96.27%$242,839,991 21,848CAPITAL BLUE CROSS GRP123065 21,41784.48% 0.18% 96.45%$219,907,532 33,673IHC INC GRP88066 33,67388.73% 0.16% 96.61%$203,736,159 14,600HEALTH PARTNERS PLANS INC9506667 14,60095.48% 0.15% 96.75%$200,681,471 21,676CARLE HOLDING CO GRP119268 21,67690.86% 0.15% 96.90%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Medicare

$198,470,677 15,256ELDERPLAN INC9566269 15,25695.36% 0.14% 97.05%$183,874,707 16,025COMMUNITY HLTH PLAN OF WA4704970 16,02589.42% 0.13% 97.18%$179,643,214 26,520PREMERA BLUE CROSS GRP96271 26,52093.67% 0.13% 97.31%$177,985,017 22,257ADVANTAGE HLTH SOLUTIONS INC5256872 22,257115.99% 0.13% 97.44%$174,835,064 15,329ATRIO HLTH PLANS INC1012373 15,32979.97% 0.13% 97.57%$170,762,977 23,119CATHOLIC HLTH INITIATIVES GRP480774 23,119100.82% 0.12% 97.69%$156,509,675 18,068NEW W HLTH SERV9582975 18,06899.30% 0.11% 97.81%$155,112,194 14,072VANTAGE HLTH GRP478376 14,07283.10% 0.11% 97.92%$153,668,315 18,266ARKANSAS BCBS GRP87677 18,26684.36% 0.11% 98.03%$148,652,105 13,358VANGUARD HLTH VENTURES GRP121278 13,358102.02% 0.11% 98.14%$147,880,541 13,373FALLON GRP474179 13,37389.96% 0.11% 98.25%$145,450,358 11,993HEALTH PLAN OF CAREOREGON INC1227780 11,993100.39% 0.11% 98.35%$145,153,229 30,941SCOTT & WHITE GRP60081 30,94197.94% 0.11% 98.46%$135,564,600 11,916INDIANA UNIVERSITY HLTH GRP463782 11,91689.10% 0.10% 98.56%$130,376,694 14,714VANGUARD HLTH GRP475983 14,71489.94% 0.09% 98.65%$129,566,099 9,736TOUCHSTONE HLTH HMO INC1297084 192.21% 0.09% 98.75%$123,895,287 11,894AULTMAN HLTH FOUNDATION GRP480585 11,89477.62% 0.09% 98.84%

$99,512,769 7,854HEALTHPLUS OF MI GRP340986 7,85497.37% 0.07% 98.91%$97,846,430 25,302DEAN HLTH GRP129487 25,30285.91% 0.07% 98.98%$96,915,161 10,309CARE N CARE INS CO INC1315188 10,30991.88% 0.07% 99.05%$94,926,502 12,767PIEDMONT WELLSTAR HLTH PLANS INC1500989 12,74083.48% 0.07% 99.12%$88,882,496 11,133HEALTHSPAN PARTNERS GRP483190 11,111104.64% 0.06% 99.18%$86,439,698 8,729BAYSTATE HLTH GRP475691 8,72991.67% 0.06% 99.25%$72,148,456 8,177SCAN HLTH PLAN AZ1227992 8,17785.23% 0.05% 99.30%$66,778,299 6,853GLOBALHEALTH HOLDINGS GRP482193 6,85394.39% 0.05% 99.35%$60,247,624 7,722PREMIER HLTH PARTNERS GRP481694 7,722101.29% 0.04% 99.39%$52,062,535 4,936SAMARITAN HLTH PLANS INC1225795 4,936102.63% 0.04% 99.43%$50,053,730 18,133ASSURED LIFE ASSN5649996 18,13374.22% 0.04% 99.47%$49,041,233 4,366DENVER HLTH MEDICAL PLAN INC9575097 4,36689.81% 0.04% 99.50%$48,096,497 3,760INDEPENDENT HLTH BENEFITS CORP4703498 3,76091.32% 0.04% 99.54%$47,990,983 4,688COLORADO ACCESS GRP478199 4,68899.23% 0.03% 99.57%$42,987,067 24,268ROCKY MOUNTAIN HLTH GRP1184100 24,26896.88% 0.03% 99.60%$41,970,403 5,382CRESTPOINT HLTH INS CO12858101 5,382100.15% 0.03% 99.63%$41,685,462 492CARE WI HLTH PLAN INC12248102 49281.70% 0.03% 99.66%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Medicare

$39,550,006 5,486FIRSTCAROLINACARE INS CO INC12962103 5,486110.70% 0.03% 99.69%$39,498,687 3,880FAMILYCARE HLTH PLANS INC47084104 3,880105.13% 0.03% 99.72%$39,229,631 4,462ULTIMATE HLTH PLANS INC14243105 4,46279.98% 0.03% 99.75%$38,279,375 3,163FIRSTCARE GRP3549106 3,16389.85% 0.03% 99.78%$37,802,985 1,147COMMUNITY CARE HLTH PLAN INC10756107 1,14768.02% 0.03% 99.81%$34,882,008 4,605OREGON DENTAL GRP1313108 4,605112.22% 0.03% 99.83%$33,415,348 17,559GPM LIFE GRP4712109 17,55980.26% 0.02% 99.86%$31,222,295 3,973UPPER PENINSULA HLTH PLAN LLC52615110 3,973103.01% 0.02% 99.88%$22,039,146 2,042ALLCARE HLTH PLAN INC12253111 2,04285.36% 0.02% 99.89%$19,672,991 2,359FAMILY HLTH NETWORK GRP4843112 2,35981.38% 0.01% 100.00%$17,759,749 2,060MEMORIAL HERMANN GRP4808113 2,058107.28% 0.01% 100.00%$17,699,983 2,331SAINT MARYS HLTH CARE CORP GRP2418114 2,33184.54% 0.01% 100.00%$16,374,908 1,636SENTARA HLTH MGMT GRP1183115 1,636145.96% 0.01% 100.00%$16,099,912 2,153HARVARD PILGRIM HLTH CARE GRP595116 2,15395.59% 0.01% 100.00%$12,456,644 1,279MAGELLAN HLTH INC GRP1260117 1,27995.79% 0.01% 100.00%

$9,346,785 0ADVICARE CORP15146118 0109.49% 0.01% 100.00%$9,273,723 4,721TORCHMARK CORP GRP290119 4,72174.43% 0.01% 100.00%$7,393,446 0ALOHA CARE95853120 092.86% 0.01% 100.00%$4,395,212 3,138MEDICAL ASSOCIATES GRP4811121 3,13897.00% 0.00% 100.00%$3,569,533 4,339BCBS OF VT GRP4745122 4,33977.48% 0.00% 100.00%$3,227,923 125TOTAL HLTH GRP1238123 125113.98% 0.00% 100.00%$2,925,725 152OKLAHOMA SUPERIOR SELECT INC12284124 15269.35% 0.00% 100.00%$2,641,557 0SENIOR WHOLE HLTH OF NY INC12776125 00.00% 0.00% 100.00%

$137,312,765,368 13,280,789Grand Total 13,245,17685.62% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Medicaid

$22,643,217,749 4,488,133UNITEDHEALTH GRP7071 4,488,13383.02% 15.83% 15.83%$15,629,901,126 3,929,230ANTHEM INC GRP6712 3,929,23082.65% 10.93% 26.76%$13,492,077,354 3,727,478CENTENE CORP GRP12953 3,727,47887.08% 9.43% 36.19%$10,131,195,865 2,574,687MOLINA HEALTHCARE INC GRP15314 2,574,68781.65% 7.08% 43.27%

$7,775,638,545 2,025,307WELLCARE GRP11995 2,025,30784.99% 5.44% 48.71%$6,957,892,406 1,589,725INDEPENDENCE HLTH GRP INC GRP9366 1,589,72590.92% 4.86% 53.57%$6,515,733,848 1,373,481AETNA GRP17 1,410,17881.77% 4.56% 58.13%$5,806,885,301 1,243,447CARESOURCE GRP36838 1,243,44784.34% 4.06% 62.18%$4,259,024,428 840,743BCBS OF NJ GRP12029 840,74387.74% 2.98% 65.16%$2,945,408,088 740,755CAIDAN ENTERPRISES INC GRP464010 740,75585.84% 2.06% 67.22%$2,666,050,790 397,055UCARE GRP438011 397,05587.58% 1.86% 69.09%$2,370,562,758 502,436HUMANA GRP11912 357,29886.18% 1.66% 70.74%$2,120,970,064 519,789BCBS OF TN GRP349813 518,81478.84% 1.48% 72.23%$1,700,915,072 367,840UPMC HLTH SYSTEM GRP132414 367,84087.52% 1.19% 73.41%$1,661,783,934 197,829MEDICA GRP155215 197,82890.60% 1.16% 74.58%$1,656,424,912 281,029UNIVERSITY HLTH CARE INC5262116 281,02991.31% 1.16% 75.73%$1,613,429,569 363,527HIGHMARK GRP81217 363,52784.73% 1.13% 76.86%$1,585,240,586 289,724NEIGHBORHOOD HLTH PLAN INC1110918 289,724103.19% 1.11% 77.97%$1,585,013,949 397,393HCSC GRP91719 397,39387.55% 1.11% 79.08%$1,513,014,781 276,913BOSTON MEDICAL CENTER HLTH PLAN INC1320320 276,91390.20% 1.06% 80.14%$1,377,237,384 237,406HEALTH PARTNERS PLANS INC9506621 237,40677.04% 0.96% 81.10%$1,294,593,524 378,832CARE 1ST HEALTH PLAN1514322 378,83275.92% 0.91% 82.00%$1,264,851,035 213,501EMBLEM HLTH GRP112723 213,50189.84% 0.88% 82.89%$1,186,619,348 209,803TUFTS GRP474224 209,80389.45% 0.83% 83.72%$1,039,763,109 378,721INDIANA UNIVERSITY HLTH GRP463725 378,72188.80% 0.73% 84.44%

$971,074,695 161,516NEIGHBORHOOD HLTH PLAN OF RI INC9540226 161,51686.88% 0.68% 85.12%$966,328,386 221,445VANGUARD HLTH VENTURES GRP121227 221,44578.67% 0.68% 85.80%$927,446,932 204,154PRESBYTERIAN HLTHCARE SERV GRP48128 204,15478.68% 0.65% 86.45%$857,113,996 179,289LIFETIME HLTHCARE GRP118629 179,28989.82% 0.60% 87.05%$851,400,090 288,662COMMUNITY HLTH PLAN OF WA4704930 288,66288.83% 0.60% 87.64%$831,831,485 332,975TEXAS CHILDRENS HLTH PLAN INC9532931 332,97589.03% 0.58% 88.22%$830,045,190 53,122CIGNA HLTH GRP90132 53,12284.18% 0.58% 88.80%$717,000,518 174,251SENTARA HLTH MGMT GRP118333 174,25190.81% 0.50% 89.30%$713,843,394 233,885COMMUNITY HLTH CHOICE INC9561534 233,88589.96% 0.50% 89.80%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Medicaid

$699,519,000 104,292HEALTHPARTNERS GRP125835 101,54984.69% 0.49% 90.29%$678,388,707 167,753GEISINGER INS GRP114336 167,75381.97% 0.47% 90.77%$611,109,352 11,806ELDERPLAN INC9566237 11,80682.37% 0.43% 91.19%$607,351,859 422,923TRIPLE S GRP480238 422,92391.44% 0.42% 91.62%$549,591,063 155,381HAWAII MEDICAL SERV ASSN4994839 155,38184.78% 0.38% 92.00%$528,109,893 96,316BCBS OF MN GRP46140 96,31581.84% 0.37% 92.37%$522,123,953 44,426MAGELLAN HLTH INC GRP126041 44,42694.89% 0.37% 92.74%$492,445,184 96,422CDPHP INC GRP470842 96,42288.10% 0.34% 93.08%$479,317,772 182,139PARKLAND COMM HLTH PLAN INC9541443 183.44% 0.34% 93.42%$471,411,178 124,352CARLE HOLDING CO GRP119244 124,35298.15% 0.33% 93.75%$464,495,963 228,482FAMILY HLTH NETWORK GRP484345 228,48293.57% 0.32% 94.07%$446,842,345 85,471HENRY FORD HLTH SYSTEM GRP131146 85,47179.54% 0.31% 94.38%$441,935,489 110,535SPECTRUM HLTH GRP338347 110,53584.68% 0.31% 94.69%$423,511,155 137,460DRISCOLL CHILDRENS HLTH PLAN9580948 137,46093.07% 0.30% 94.99%$422,544,050 88,533BCBS OF MI GRP57249 88,53383.73% 0.30% 95.28%$384,989,703 81,894BAYSTATE HLTH GRP475650 81,89498.72% 0.27% 95.55%$384,025,192 75,921INDEPENDENT HLTH ASSN9530851 75,92193.38% 0.27% 95.82%$325,190,211 79,150BCBS OF SC GRP66152 79,15080.21% 0.23% 96.05%$321,186,413 62,307TOTAL HLTH GRP123853 62,30781.93% 0.22% 96.27%$301,458,428 111,871COMMUNITY FIRST GRP273854 111,87187.70% 0.21% 96.48%$288,454,680 96,293IHC INC GRP88055 96,29380.40% 0.20% 96.69%$278,114,854 19,933SANFORD HLTH GRP124656 19,93397.80% 0.19% 96.88%$271,863,707 95,530FIRSTCARE GRP354957 95,53082.80% 0.19% 97.07%$263,187,755 0ALOHA CARE9585358 098.21% 0.18% 97.25%$258,915,712 0HEALTHPLUS OF MI GRP340959 088.01% 0.18% 97.43%$237,822,435 132,932CHILDRENS COMM HLTH PLAN INC1373960 132,93287.30% 0.17% 97.60%$214,570,397 41,898UPPER PENINSULA HLTH PLAN LLC5261561 41,89881.82% 0.15% 97.75%$204,670,416 59,333KAISER FOUNDATION GRP60162 58,348112.68% 0.14% 97.89%$189,717,143 58,429INTOTAL HLTH LLC1015363 58,42987.30% 0.13% 98.03%$184,101,228 631,422FHC HLTH SYSTEMS GRP96564 631,42272.98% 0.13% 98.16%$177,882,248 65,524EL PASO FIRST HLTH PLANS INC5263565 65,52490.26% 0.12% 98.28%$166,979,662 26,657HEALTH NOW NY INC5520466 26,65788.28% 0.12% 98.40%$159,931,833 35,560ROCKY MOUNTAIN HLTH GRP118467 35,56088.54% 0.11% 98.51%$158,929,598 350,327COLORADO ACCESS GRP478168 350,32795.34% 0.11% 98.62%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Medicaid

$158,443,366 31,660FALLON GRP474169 31,66077.44% 0.11% 98.73%$148,304,808 33,346MVP GRP119870 33,34689.27% 0.10% 98.83%$142,773,677 55,730COLUMBIA UNITED PROVIDERS INC4704771 55,73092.43% 0.10% 98.93%$131,007,857 36,463PROVIDENCE HLTH GRP478872 36,46387.68% 0.09% 99.03%$123,620,547 0ADVICARE CORP1514673 097.02% 0.09% 99.11%$123,049,709 28,304TRUSTED HLTH PLAN DC INC1422574 28,30475.96% 0.09% 99.20%$120,253,469 55,669SECURITY HLTH PLAN OF WI INC9688175 55,66975.54% 0.08% 99.28%$120,053,123 0SENIOR WHOLE HLTH OF NY INC1277676 00.00% 0.08% 99.37%$112,963,532 43,923SCOTT & WHITE GRP60077 43,92375.63% 0.08% 99.44%

$86,266,499 20,881PHYSICIANS HLTH PLAN OF MID MI GRP340878 184.42% 0.06% 99.50%$85,133,576 37,367NETWORK HLTH GRP267879 37,36787.97% 0.06% 99.56%$82,830,572 40,074GROUP HLTH COOP OF EAU CLAIRE9519280 40,07481.38% 0.06% 99.62%$77,296,728 2,750CARE WI HLTH PLAN INC1224881 2,75082.79% 0.05% 99.68%$73,496,279 0DEAN HLTH GRP129482 088.77% 0.05% 99.73%$58,353,742 1,341COMMUNITY CARE HLTH PLAN INC1075683 1,341110.61% 0.04% 99.77%$52,397,946 0PREFERRED MEDICAL PLAN INC9527184 087.78% 0.04% 99.81%$40,872,352 8,255CAPITAL BLUE CROSS GRP123085 066.49% 0.03% 99.83%$40,144,056 17,349SETON HLTH PLAN INC9524086 17,34986.67% 0.03% 99.86%$36,181,630 12,198SENDERO HLTH PLANS INC1415187 12,19883.51% 0.03% 99.89%$35,049,231 6,515VANGUARD HLTH GRP475988 6,51568.09% 0.02% 100.00%$34,170,667 16,846HEALTH CHOICE UTAH INC1448189 16,84686.78% 0.02% 100.00%$28,951,243 15,507UNITY HLTH PLANS INS CORP9579690 15,50772.29% 0.02% 100.00%$19,042,208 10,060PHYSICIANS PLUS INS CORP9534191 10,06082.47% 0.01% 100.00%$17,864,786 7,263TRILOGY HLTH INS INC1283492 7,26369.55% 0.01% 100.00%$14,302,018 8,941HEALTH TRADITION HLTH PLAN9662893 8,94180.41% 0.01% 100.00%$12,384,611 5,932GROUP HLTH COOP OF S CENTRAL WI9531194 5,93278.11% 0.01% 100.00%

$123,973 0AMERICAS 1ST CHOICE GRP475595 079.62% 0.00% 100.00%$1,921 0CARILION CLINIC MEDICARE RESOURCES L1362896 0(21,715.25)% 0.00% 100.00%

$143,045,097,581 33,971,729Grand Total 33,647,31085.19% 100.00%

© 2016 National Association of Insurance Commissioners 122

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Medicare Part D - Stand-Alone

$4,609,491,227 5,063,224UNITEDHEALTH GRP7071 5,081,07973.04% 24.33% 24.33%$3,832,595,631 4,550,253HUMANA GRP1192 4,550,25376.22% 20.23% 44.55%$2,865,344,601 3,448,227CVS CAREMARK GRP46673 3,448,22770.21% 15.12% 59.67%$1,540,621,428 1,462,718CIGNA HLTH GRP9014 1,67991.94% 8.13% 67.80%$1,355,176,726 1,430,671AETNA GRP15 1,430,67173.69% 7.15% 74.96%

$898,908,690 1,025,926WELLCARE GRP11996 1,025,92678.81% 4.74% 79.70%$794,930,525 22,298CARESOURCE GRP36837 22,29888.87% 4.20% 83.90%$579,735,283 520,952EXPRESS SCRIPTS HOLDING GRP48138 520,95287.22% 3.06% 86.95%$424,787,864 404,377ENVISION INS CO127479 404,37795.32% 2.24% 89.20%$357,161,233 359,224HCSC GRP91710 359,22480.93% 1.88% 91.08%$353,833,615 332,331ANTHEM INC GRP67111 332,33180.23% 1.87% 92.95%$221,452,820 161,947TORCHMARK CORP GRP29012 161,94779.56% 1.17% 94.12%$172,977,926 199,141SYMPHONIX HLTH INS INC8454913 199,14177.45% 0.91% 95.03%$101,773,677 15,194GUIDEWELL MUT HOLDING GRP53614 15,19478.43% 0.54% 95.57%

$90,480,154 108,014BCBS OF MN GRP46115 108,01471.54% 0.48% 96.05%$84,955,980 105,693WELLMARK INC GRP77016 105,69372.61% 0.45% 96.49%$72,604,178 50,214BCBS OF NC INC5463117 50,21464.05% 0.38% 96.88%$71,064,459 44,758BCBS OF MI GRP57218 44,75882.62% 0.38% 97.25%$70,536,159 72,475BCBS OF MA GRP363719 72,47581.48% 0.37% 97.62%$65,338,557 38,529HIGHMARK GRP81220 38,41677.62% 0.34% 97.97%$58,832,779 51,132BCBS OF AL GRP57021 51,13274.17% 0.31% 98.28%$42,694,515 43,139AEGON US HOLDING GRP46822 43,139155.79% 0.23% 98.50%$41,842,923 39,252ARKANSAS BCBS GRP87623 39,25274.03% 0.22% 98.73%$37,668,648 30,457BCBS OF NJ GRP120224 30,45791.61% 0.20% 98.92%$28,834,901 30,929BCBS OF NE7778025 30,92976.43% 0.15% 99.08%$27,099,189 20,248BCBS OF SC GRP66126 20,24873.78% 0.14% 99.22%$27,009,218 22,837WISCONSIN PHYSICIANS SERV INS GRP6827 22,83787.17% 0.14% 99.36%$26,525,135 24,416BCBS OF KS GRP43028 24,41679.20% 0.14% 99.50%$23,093,480 22,156NORIDIAN MUT INS CO5589129 22,15672.50% 0.12% 99.62%$19,590,338 12,015CAMBIA HEALTH SOLUTIONS INC120730 12,01580.21% 0.10% 99.73%$10,893,512 12,682EQUITABLE LIFE & CAS INS CO6295231 11,98456.36% 0.06% 99.78%

$8,123,434 1,221HEALTH NOW NY INC5520432 1,22198.10% 0.04% 99.83%$7,481,530 7,475BCBS OF RI5347333 7,47580.90% 0.04% 99.87%$6,961,621 4,949CAPITAL BLUE CROSS GRP123034 4,84566.35% 0.04% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Medicare Part D - Stand-Alone

$6,565,160 9,287BCBS OF AZ INC5358935 9,28772.95% 0.03% 100.00%$5,753,519 4,033CAIDAN ENTERPRISES INC GRP464036 4,033159.99% 0.03% 100.00%$4,466,055 4,980BCBS OF WY5376737 4,98073.39% 0.02% 100.00%$2,736,020 1,207CARLE HOLDING CO GRP119238 1,207103.26% 0.01% 100.00%$2,515,000 1,191HEALTHPARTNERS GRP125839 1,191105.37% 0.01% 100.00%$1,417,980 952HENRY FORD HLTH SYSTEM GRP131140 952112.05% 0.01% 100.00%

$402,889 0HEALTH FIRST GRP474041 0(14.40)% 0.00% 100.00%$244,435 0EMBLEM HLTH GRP112742 0(930.36)% 0.00% 100.00%

$78,873 81VANGUARD HLTH VENTURES GRP121243 8199.41% 0.00% 100.00%

$18,948,682,674 19,760,805Grand Total 18,316,70677.50% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Other Individual Business

$350,390,731 60,910CENTENE CORP GRP12951 60,91091.29% 23.45% 23.45%$302,039,580 5,596FALLON GRP47412 5,59681.70% 20.22% 43.67%$187,251,191 102,648EQUITABLE LIFE & CAS INS CO629523 97,01482.75% 12.53% 56.21%$155,445,745 62,202ANTHEM INC GRP6714 48,67891.86% 10.41% 66.61%$110,927,172 628,208FHC HLTH SYSTEMS GRP9655 628,208100.18% 7.43% 74.04%

$76,021,324 0CHUBB LTD GRP6266 060.84% 5.09% 79.13%$28,175,883 0TRANS OCEANIC LIFE INS CO695237 037.16% 1.89% 81.01%$25,270,370 16,320NATIONAL LIFE GRP6348 16,320214.84% 1.69% 82.70%$25,155,121 114,910AFLAC GRP3709 57,82649.99% 1.68% 84.39%$23,975,600 243,838METROPOLITAN GRP24110 93,80236.71% 1.60% 85.99%$20,139,070 27,462AETNA GRP111 27,46242.70% 1.35% 87.34%$18,083,576 6,467PRINCIPAL FIN GRP33212 6,46719.90% 1.21% 88.55%$17,531,603 7,078TOKIO MARINE HOLDINGS INC GRP309813 203(40.35)% 1.17% 89.73%$13,555,438 0AMERICAN INTL GRP1214 32195.54% 0.91% 90.63%$13,396,274 10,290TORCHMARK CORP GRP29015 7,72951.13% 0.90% 91.53%$11,081,809 0HIGHMARK GRP81216 084.69% 0.74% 92.27%$10,470,932 35,570HARRIS INS HOLDINGS GRP111717 28,66730.91% 0.70% 92.97%

$9,455,866 90,714CHUBB INC GRP3818 56,66434.59% 0.63% 93.61%$9,108,375 26,394DELTA DENTAL PLAN OF MO GRP368019 17,73065.77% 0.61% 94.21%$8,484,101 23,841AUTOMOBILE CLUB MI GRP5520 23,84129.98% 0.57% 94.78%$7,397,432 0HEALTHY PALM BEACHES INC9582721 0103.91% 0.50% 95.28%$7,240,495 40,977UNUMPROVIDENT CORP GRP56522 40,97710.96% 0.48% 95.76%$6,573,960 82,786BCBS OF NC INC5463123 44,76668.52% 0.44% 96.20%$5,438,413 251,231ALLIANZ INS GRP76124 155,82234.93% 0.36% 96.57%$5,219,855 10,505ORDER OF UNITED COMMERCIAL TRAVELERS5638325 10,05061.67% 0.35% 96.92%$4,283,690 2,138SENDERO HLTH PLANS INC1415126 2,13891.45% 0.29% 97.20%$4,029,770 13,418CITIZENS SECURITY LIFE INS CO6192127 13,41852.25% 0.27% 97.47%$4,020,887 31,817HUMANA GRP11928 21,89532.95% 0.27% 97.74%$3,972,481 24,613BLUE SHIELD OF CA GRP279829 18,94327.25% 0.27% 98.01%$3,944,352 0SENIOR WHOLE HLTH OF NY INC1277630 00.00% 0.26% 98.27%$3,920,212 17,568MAPFRE INS GRP41131 17,56840.27% 0.26% 98.53%$2,905,207 32UPMC HLTH SYSTEM GRP132432 32(27.42)% 0.19% 98.73%$2,861,103 32,282UNITEDHEALTH GRP70733 20,37626.99% 0.19% 98.92%$2,828,616 47MAGELLAN HLTH INC GRP126034 4787.27% 0.19% 99.11%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Other Individual Business

$1,853,660 2,117CROY HALL MGMT GRP133935 1,16262.99% 0.12% 99.23%$1,605,488 0NATIONAL SECURITY GRP31636 7,26154.37% 0.11% 99.34%$1,115,645 948COMPREHENSIVE MOBILE INS AZ INC1523837 94835.06% 0.07% 99.42%

$912,190 0UNDERWRITERS AT LLOYDS3272738 049.34% 0.06% 99.48%$872,693 25,115CAREFIRST INC GRP38039 17,052333.93% 0.06% 99.54%$781,345 297COMPREHENSIVE MOBILE PLAN UT INC1536040 29746.49% 0.05% 99.59%$695,008 9,920DELTA DENTAL PLAN OF AR INC4715541 6,15149.55% 0.05% 99.63%$690,911 1,006AMERICAN NATL FIN GRP40842 1,006(35.88)% 0.05% 99.68%$659,962 109BCBS OF MI GRP57243 6653.76% 0.04% 99.72%$462,252 69,081ARCH INS GRP127944 96,89567.06% 0.03% 99.76%$421,282 5,043UNITED STATES LETTER CARRIERS MUT BE5645645 3,3102.96% 0.03% 99.78%$386,764 285PREFERRED MEDICAL PLAN INC9527146 20644.10% 0.03% 99.81%$362,223 1,016DELTA GRP59847 1,0166.48% 0.02% 99.83%$304,382 7,013SPECTRUM HLTH GRP338348 7,01368.72% 0.02% 99.85%$248,724 204LIFETIME HLTHCARE GRP118649 20430.61% 0.02% 99.87%$205,176 129UNION LABOR GRP78150 124684.22% 0.01% 99.88%$205,125 0INDIVIDUAL ASSUR CO LIFE HLTH & ACC8177951 055.91% 0.01% 99.90%$193,711 787UNIFIED LIFE INS CO1112152 752101.28% 0.01% 100.00%$190,375 208,602NATIONWIDE CORP GRP14053 142.98% 0.01% 100.00%$135,017 55TAKECARE INS CO INC1109354 21130.05% 0.01% 100.00%

$97,161 32FIDELITY SECURITY GRP45155 3210.55% 0.01% 100.00%$87,391 0UNITED TRANSPORTATION UNION INS ASSN5641356 0(528.45)% 0.01% 100.00%$71,500 526NEW ERA LIFE GRP52057 485(46.10)% 0.00% 100.00%$59,534 0EMBLEM HLTH GRP112758 0(915.05)% 0.00% 100.00%$55,942 251INDUSTRIAL ALLIANCE GRP31559 251142.50% 0.00% 100.00%$54,931 2,579JACKSON NATL GRP91860 2,579(20.25)% 0.00% 100.00%$54,800 103GENWORTH FIN GRP401161 103844.57% 0.00% 100.00%$54,242 88CNO FINANCIAL GRP23362 83257.06% 0.00% 100.00%$53,730 325AMEX ASSUR CO2792863 221130.70% 0.00% 100.00%$42,857 0PAN AMER LIFE GRP52564 532(1.37)% 0.00% 100.00%$41,790 3,470CROATIAN FRATERNAL UNION OF AMER5663465 4,28483.21% 0.00% 100.00%$41,193 481ADVANTAGE CAPITAL GRP482466 48116.59% 0.00% 100.00%$37,489 76SELECTIVE INS GRP24267 7692.38% 0.00% 100.00%$36,270 697COLUMBIAN LIFE GRP53568 69750.53% 0.00% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Other Individual Business

$33,791 212CUNA MUT GRP30669 21219.30% 0.00% 100.00%$29,441 160KEMPER CORP GRP21570 148(23.45)% 0.00% 100.00%$28,055 33AMERICAN INTEGRITY LIFE INS CO8882071 3330.76% 0.00% 100.00%$18,851 2HEALTHMARKETS GRP26472 2(2,686.47)% 0.00% 100.00%$11,110 156LINCOLN HERITAGE LIFE INS CO6592773 156(1,168.42)% 0.00% 100.00%

$9,535 276SOLSTICE BENEFITS INC1234174 10075.62% 0.00% 100.00%$9,009 93PROTECTIVE LIFE INS GRP45875 93879.49% 0.00% 100.00%$7,960 0UKRAINIAN NATL ASSN INC5721576 030.88% 0.00% 100.00%$7,231 71REGAL REINS GRP44077 71(2.97)% 0.00% 100.00%$6,607 38ASSURANT INC GRP1978 38341.15% 0.00% 100.00%$6,215 40STANDARD LIFE & CAS INS CO7170679 343.33% 0.00% 100.00%$5,342 10SAMMONS ENTERPRISES GRP43180 101,270.50% 0.00% 100.00%$4,904 0STATE AUTO MUT GRP17581 0(0.12)% 0.00% 100.00%$4,764 7,255CATHOLIC ORDER OF FORESTERS5748782 7,2550.00% 0.00% 100.00%$3,621 8VOYA FINANCIAL GRP483283 8578.18% 0.00% 100.00%$3,306 2AMERITAS MUT HOLDING GRP94384 2749.61% 0.00% 100.00%$3,114 3UNIVERSAL INS CO GRP7185 3(32.11)% 0.00% 100.00%$2,790 695CLOISTER MUT & WINDSOR MOUNT JOY GRP477486 6951.08% 0.00% 100.00%$2,548 24NATIONAL WESTERN LIFE INS CO6685087 24152.43% 0.00% 100.00%$2,406 13FORESTERS LIFE INS ANN CO6349588 13236.70% 0.00% 100.00%$2,287 24ALLSTATE INS GRP889 24(116.66)% 0.00% 100.00%$1,565 0WILTON RE GRP421390 0(512.72)% 0.00% 100.00%$1,502 0NORTH CAROLINA MUT LIFE INS CO6703291 0(426.90)% 0.00% 100.00%$1,448 68AMERICAN ENTERPRISE MUT GRP352792 66(26.31)% 0.00% 100.00%$1,438 22SLOVENE NATL BENEFIT SOCIETY5767393 22(212.80)% 0.00% 100.00%$1,113 11FARMERS INS GRP6994 117.64% 0.00% 100.00%

$665 10ROYAL STATE NATL INS CO LTD6855195 266.92% 0.00% 100.00%$545 2AMERICAN FINANCIAL GRP8496 20.00% 0.00% 100.00%$474 3ARROWPOINT CAPITAL GRP55397 2494.09% 0.00% 100.00%$430 1INTER AMER GRP86398 10.00% 0.00% 100.00%$421 41HORACE MANN GRP30099 41236.82% 0.00% 100.00%$365 1MOTORISTS MUT GRP291100 169.04% 0.00% 100.00%$297 2LIBERTY MUT GRP111101 2(1,435.02)% 0.00% 100.00%$128 6MERCHANTS MUT GRP226102 60.00% 0.00% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Other Individual Business

$114 1PRIMERICA GRP4750103 10.00% 0.00% 100.00%$97 84FINANCIAL HOLDINGS GRP449104 840.00% 0.00% 100.00%$91 420UNIVERSAL FIDELITY LIFE INS CO70122105 4208,940.66% 0.00% 100.00%$12 0CITIZENS FIDELITY INS CO83968106 00.00% 0.00% 100.00%

$1,493,900,589 2,320,004Grand Total 1,686,36180.04% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Other Individual Business

$37,489 76SELECTIVE INS GRP24267 7692.38% 0.00% 100.00%$36,270 697COLUMBIAN LIFE GRP53568 69750.53% 0.00% 100.00%$33,791 212CUNA MUT GRP30669 21219.30% 0.00% 100.00%$29,441 160KEMPER CORP GRP21570 148(23.45)% 0.00% 100.00%$28,055 33AMERICAN INTEGRITY LIFE INS CO8882071 3330.76% 0.00% 100.00%$18,851 2HEALTHMARKETS GRP26472 2(2,686.47)% 0.00% 100.00%$11,110 156LINCOLN HERITAGE LIFE INS CO6592773 156(1,168.42)% 0.00% 100.00%

$9,535 276SOLSTICE BENEFITS INC1234174 10075.62% 0.00% 100.00%$9,009 93PROTECTIVE LIFE INS GRP45875 93879.49% 0.00% 100.00%$7,960 0UKRAINIAN NATL ASSN INC5721576 030.88% 0.00% 100.00%$7,231 71REGAL REINS GRP44077 71(2.97)% 0.00% 100.00%$6,607 38ASSURANT INC GRP1978 38341.15% 0.00% 100.00%$6,215 40STANDARD LIFE & CAS INS CO7170679 343.33% 0.00% 100.00%$5,342 10SAMMONS ENTERPRISES GRP43180 101,270.50% 0.00% 100.00%$4,904 0STATE AUTO MUT GRP17581 0(0.12)% 0.00% 100.00%$4,764 7,255CATHOLIC ORDER OF FORESTERS5748782 7,2550.00% 0.00% 100.00%$3,621 8VOYA FINANCIAL GRP483283 8578.18% 0.00% 100.00%$3,306 2AMERITAS MUT HOLDING GRP94384 2749.61% 0.00% 100.00%$3,114 3UNIVERSAL INS CO GRP7185 3(32.11)% 0.00% 100.00%$2,790 695CLOISTER MUT & WINDSOR MOUNT JOY GRP477486 6951.08% 0.00% 100.00%$2,548 24NATIONAL WESTERN LIFE INS CO6685087 24152.43% 0.00% 100.00%$2,406 13FORESTERS LIFE INS ANN CO6349588 13236.70% 0.00% 100.00%$2,287 24ALLSTATE INS GRP889 24(116.66)% 0.00% 100.00%$1,565 0WILTON RE GRP421390 0(512.72)% 0.00% 100.00%$1,502 0NORTH CAROLINA MUT LIFE INS CO6703291 0(426.90)% 0.00% 100.00%$1,448 68AMERICAN ENTERPRISE MUT GRP352792 66(26.31)% 0.00% 100.00%$1,438 22SLOVENE NATL BENEFIT SOCIETY5767393 22(212.80)% 0.00% 100.00%$1,113 11FARMERS INS GRP6994 117.64% 0.00% 100.00%

$665 10ROYAL STATE NATL INS CO LTD6855195 266.92% 0.00% 100.00%$545 2AMERICAN FINANCIAL GRP8496 20.00% 0.00% 100.00%$474 3ARROWPOINT CAPITAL GRP55397 2494.09% 0.00% 100.00%$430 1INTER AMER GRP86398 10.00% 0.00% 100.00%$421 41HORACE MANN GRP30099 41236.82% 0.00% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Individual Market Share by Line of Business

Grand Total for Individual Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Other Individual Business

$365 1MOTORISTS MUT GRP291100 169.04% 0.00% 100.00%$297 2LIBERTY MUT GRP111101 2(1,435.02)% 0.00% 100.00%$128 6MERCHANTS MUT GRP226102 60.00% 0.00% 100.00%$114 1PRIMERICA GRP4750103 10.00% 0.00% 100.00%

$97 84FINANCIAL HOLDINGS GRP449104 840.00% 0.00% 100.00%$91 420UNIVERSAL FIDELITY LIFE INS CO70122105 4208,940.66% 0.00% 100.00%$12 0CITIZENS FIDELITY INS CO83968106 00.00% 0.00% 100.00%

$1,493,900,589 2,320,004Grand Total 1,686,36180.04% 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 2015

Group Market Share for All Statement Types

Grand Total for Group Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

$46,791,484,957 19,834,832UNITEDHEALTH GRP7071 12,510,93478.63% 14.43% 14.43%$25,701,364,925 10,957,169ANTHEM INC GRP6712 6,864,51982.59% 7.93% 22.35%$22,300,126,058 13,393,621AETNA GRP13 9,113,90981.08% 6.88% 29.23%$21,119,140,903 4,593,422HCSC GRP9174 2,439,68985.36% 6.51% 35.74%$11,961,159,025 6,703,512HUMANA GRP1195 3,959,64583.75% 3.69% 39.43%$10,461,537,504 24,420,320CIGNA HLTH GRP9016 212,51380.07% 3.23% 42.66%

$8,878,335,967 1,769,007KAISER FOUNDATION GRP6017 990,52288.54% 2.74% 45.39%$7,698,474,299 1,401,960BCBS OF MI GRP5728 690,77382.74% 2.37% 47.77%$7,456,616,935 7,857,864HIGHMARK GRP8129 3,810,67092.31% 2.30% 50.07%$6,992,499,377 1,496,884CAREFIRST INC GRP38010 784,37381.99% 2.16% 52.22%$6,767,824,514 1,490,119GUIDEWELL MUT HOLDING GRP53611 853,75282.86% 2.09% 54.31%$6,547,136,419 26,179,076METROPOLITAN GRP24112 119,23373.74% 2.02% 56.33%$5,600,061,823 1,627,483BCBS OF MA GRP363713 810,59685.12% 1.73% 58.06%$5,228,554,253 1,302,525BCBS OF NJ GRP120214 607,54684.18% 1.61% 59.67%$4,669,049,958 1,980,073EMBLEM HLTH GRP112715 1,008,64886.06% 1.44% 61.11%$4,207,046,961 776,386INDEPENDENCE HLTH GRP INC GRP93616 427,68780.86% 1.30% 62.41%$3,925,559,737 934,445LIFETIME HLTHCARE GRP118617 494,96886.37% 1.21% 63.62%$3,550,139,998 860,515CAMBIA HEALTH SOLUTIONS INC120718 461,55582.10% 1.09% 64.71%$3,331,403,109 1,118,228BCBS OF AL GRP57019 574,26590.77% 1.03% 65.74%$3,269,324,771 754,180BCBS OF NC INC5463120 463,65185.17% 1.01% 66.75%$3,111,442,053 16,722,541UNUMPROVIDENT CORP GRP56521 180,37080.00% 0.96% 67.71%$2,902,587,010 13,226,499GUARDIAN LIFE GRP42922 10,330,11167.57% 0.90% 68.60%$2,839,719,140 662,067PREMERA BLUE CROSS GRP96223 378,10386.42% 0.88% 69.48%$2,769,785,088 1,361,908BCBS OF TN GRP349824 707,67981.13% 0.85% 70.33%$2,507,292,100 495,121HARVARD PILGRIM HLTH CARE GRP59525 267,91587.09% 0.77% 71.10%$2,439,756,530 408,338GROUP HLTH COOP GRP118526 241,23984.69% 0.75% 71.86%$2,415,516,388 631,872WELLMARK INC GRP77027 325,45986.62% 0.74% 72.60%$2,377,010,488 2,011,961BCBS OF SC GRP66128 1,322,12780.37% 0.73% 73.33%$2,219,456,057 496,226LOUISIANA HLTH SERV GRP43829 283,00385.23% 0.68% 74.02%$2,047,002,467 1,502,956UPMC HLTH SYSTEM GRP132430 162,77392.89% 0.63% 74.65%$1,986,299,464 441,378HAWAII MEDICAL SERV ASSN4994831 249,53287.74% 0.61% 75.26%$1,775,166,163 14,991,963HARTFORD FIRE & CAS GRP9132 95,16773.75% 0.55% 75.81%$1,737,926,863 337,484BCBS OF MN GRP46133 198,52682.47% 0.54% 76.35%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share for All Statement Types

Grand Total for Group Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

$1,645,299,286 412,004MEDICAL MUT OF OH GRP73034 223,47877.21% 0.51% 76.85%$1,627,618,000 781,082HEALTHPARTNERS GRP125835 381,32686.95% 0.50% 77.35%$1,576,444,420 289,341TUFTS GRP474236 174,36384.56% 0.49% 77.84%$1,558,447,797 21,842,344VISION SERV PLAN GRP118937 39,34081.21% 0.48% 78.32%$1,499,429,554 263,308HENRY FORD HLTH SYSTEM GRP131138 125,96689.21% 0.46% 78.78%$1,423,161,899 312,020HEALTH NOW NY INC5520439 156,68483.44% 0.44% 79.22%$1,401,780,696 9,010,448LINCOLN NATL GRP2040 76,13473.41% 0.43% 79.65%$1,380,200,183 4,785,639DENTEGRA GRP247941 2,039,18374.95% 0.43% 80.08%$1,379,677,957 296,427SPECTRUM HLTH GRP338342 130,06884.03% 0.43% 80.51%$1,371,518,272 227,775CDPHP INC GRP470843 121,59486.16% 0.42% 80.93%$1,324,856,799 3,104,458ASSURANT INC GRP1944 2,066,09469.39% 0.41% 81.34%$1,315,581,196 552,291BCBS OF KS GRP43045 239,74090.78% 0.41% 81.74%$1,298,758,666 357,951HEALTH NET INC GRP62346 162,41785.06% 0.40% 82.14%$1,295,806,865 412,322CAPITAL BLUE CROSS GRP123047 147,57482.81% 0.40% 82.54%$1,275,831,243 1,044,539BCBS OF AZ INC5358948 513,17284.38% 0.39% 82.94%$1,240,427,614 201,618MVP GRP119849 117,34388.08% 0.38% 83.32%$1,179,729,733 235,553BCBS OF NE7778050 122,47285.71% 0.36% 83.68%$1,167,509,197 7,313,242STANCORP FIN GRP134851 7,035,16477.85% 0.36% 84.04%$1,164,830,773 14,839,430AEGON US HOLDING GRP46852 12,407,08248.27% 0.36% 84.40%$1,163,263,690 281,378BCBS OF KC GRP53753 153,87984.09% 0.36% 84.76%$1,142,119,741 687,126ARKANSAS BCBS GRP87654 161,06983.24% 0.35% 85.11%$1,128,382,414 358,428IHC INC GRP88055 139,15692.42% 0.35% 85.46%$1,097,275,237 3,588,639PRINCIPAL FIN GRP33256 2,712,86867.78% 0.34% 85.80%$1,051,375,411 269,298MISSISSIPPI INS GRP112657 159,84685.50% 0.32% 86.12%$1,042,399,375 3,681,457RENAISSANCE HLTH SERV CORP GRP47758 223,17685.63% 0.32% 86.44%$1,018,004,312 1,671,373AMERICAN INTL GRP1259 695,70560.50% 0.31% 86.76%$1,001,862,876 180,631BLUE SHIELD OF CA GRP279860 125,34973.11% 0.31% 87.07%

$985,641,760 7,933,088PRUDENTIAL OF AMER GRP30461 8,20084.40% 0.30% 87.37%$970,348,527 226,233BCBS OF RI5347362 120,80581.21% 0.30% 87.67%$930,669,231 145,532CARLE HOLDING CO GRP119263 76,05888.80% 0.29% 87.96%$912,376,975 3,847,225TOKIO MARINE HOLDINGS INC GRP309864 42,52172.00% 0.28% 88.24%$905,647,613 179,944MEDICA GRP155265 95,40686.04% 0.28% 88.52%$856,306,349 4,031,084LIBERTY MUT GRP11166 4,025,21590.50% 0.26% 88.78%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share for All Statement Types

Grand Total for Group Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

$854,654,443 163,078DEAN HLTH GRP129467 75,51383.24% 0.26% 89.05%$820,847,445 238,640NORIDIAN MUT INS CO5589168 119,69484.38% 0.25% 89.30%$810,644,174 300,587BLUE CROSS OF ID GRP129069 173,34390.43% 0.25% 89.55%$793,017,008 3,188,868SUN LIFE ASSUR CO OF CN GRP54970 32,34576.47% 0.24% 89.79%$780,402,484 620,047JOHN HANCOCK GRP90471 619,78759.28% 0.24% 90.03%$743,183,874 20,853,531MUTUAL OF OMAHA GRP26172 4,775,31666.43% 0.23% 90.26%$722,376,906 142,257UNITY HLTH PLANS INS CORP9579673 63,34889.87% 0.22% 90.49%$704,099,118 269,969TRIPLE S GRP480274 118,88783.17% 0.22% 90.70%$672,291,294 10,704,517FIDELITY SECURITY GRP45175 5,051,40971.91% 0.21% 90.91%$625,409,271 1,577,233AMERITAS MUT HOLDING GRP94376 24,07868.11% 0.19% 91.10%$615,767,427 140,322PROVIDENCE HLTH GRP478877 79,90791.60% 0.19% 91.29%$561,562,969 0CHUBB LTD GRP62678 058.03% 0.17% 91.47%$554,784,356 136,057WEA INS CORP7227379 75,38598.37% 0.17% 91.64%$541,674,624 4,776,462ALLSTATE INS GRP880 2,709,50148.38% 0.17% 91.80%$516,232,024 564,511MAGELLAN HLTH INC GRP126081 374,62087.21% 0.16% 91.96%$514,574,690 100,341INDEPENDENT HLTH BENEFITS CORP4703482 52,04582.93% 0.16% 92.12%$512,063,451 98,206GEISINGER INS GRP114383 56,54085.44% 0.16% 92.28%$507,514,913 1,827,818GENEVE HOLDINGS INC GRP45084 1,442,19359.99% 0.16% 92.44%$495,261,747 123,078PACIFICSOURCE HLTH PLAN GRP470485 109,66181.54% 0.15% 92.59%$487,052,373 87,086FALLON GRP474186 42,18493.84% 0.15% 92.74%$483,009,102 96,768SENTARA HLTH MGMT GRP118387 58,05981.94% 0.15% 92.89%$471,800,530 240,474OREGON DENTAL GRP131388 129,43995.58% 0.15% 93.03%$469,181,610 121,731HEALTH PLAN GRP129789 101,05994.23% 0.14% 93.18%$444,369,687 941,254DELTA DENTAL OF WA4734190 4,72285.46% 0.14% 93.32%$440,850,359 65,214HEALTHPLUS OF MI GRP340991 39,86089.90% 0.14% 93.45%$424,072,207 135,859FEDERATED MUT GRP792 78,59686.06% 0.13% 93.58%$412,158,390 79,413BCBS OF VT GRP474593 41,49791.06% 0.13% 93.71%$411,810,341 71,002SECURITY HLTH PLAN OF WI INC9688194 29,877101.22% 0.13% 93.84%$402,922,570 82,872BAYSTATE HLTH GRP475695 42,63788.87% 0.12% 93.96%$402,897,066 951,665AMERICAN FIDELITY CORP GRP33096 898,44551.83% 0.12% 94.08%$385,642,415 2,197,175AFLAC GRP37097 1,447,53548.81% 0.12% 94.20%$380,150,669 88,407SCOTT & WHITE GRP60098 50,88786.27% 0.12% 94.32%$370,703,513 75,346COMMUNITYCARE GRP348799 8,04185.56% 0.11% 94.44%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share for All Statement Types

Grand Total for Group Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

$358,685,603 69,029GROUP HLTH COOP OF S CENTRAL WI95311100 34,89390.63% 0.11% 94.55%$345,563,805 82,350AVMED INC95263101 53,36382.40% 0.11% 94.65%$344,934,861 3,829,120NATIONAL GUARDIAN LIFE INS GRP1211102 2,043,28765.26% 0.11% 94.76%$342,418,715 62,551RENOWN HLTH GRP4791103 29,34589.55% 0.11% 94.86%$341,967,464 0NESTLE SA GRP4483104 072.71% 0.11% 94.97%$330,328,795 130,777WISCONSIN PHYSICIANS SERV INS GRP68105 26,20383.70% 0.10% 95.07%$326,917,222 73,647NETWORK HLTH GRP2678106 30,52483.32% 0.10% 95.17%$320,843,701 65,659AULTMAN HLTH FOUNDATION GRP4805107 32,99087.82% 0.10% 95.27%$319,443,653 103,700SANFORD HLTH GRP1246108 49,878114.65% 0.10% 95.37%$314,043,205 3,537,838MINNESOTA MUT GRP869109 1,851,89440.47% 0.10% 95.47%$305,545,558 2,477,996BCS INS GRP23110 1,986,03454.01% 0.09% 95.56%$300,761,339 59,831PRESBYTERIAN HLTHCARE SERV GRP481111 35,51577.04% 0.09% 95.65%$297,291,748 86,608NEIGHBORHOOD HLTH PLAN INC11109112 39,35395.62% 0.09% 95.75%$293,015,889 198,120GENWORTH FIN GRP4011113 189,577124.92% 0.09% 95.84%$275,474,436 79,620NIPPON LIFE INS CO OF AMER81264114 42,32177.39% 0.08% 95.92%$274,797,740 54,707GUNDERSEN LUTHERAN HLTH GRP4751115 43,08993.57% 0.08% 96.01%$272,108,698 49,152HEALTHSPAN PARTNERS GRP4831116 1,03191.76% 0.08% 96.09%$267,067,320 203,944STATE FARM GRP176117 75,338102.31% 0.08% 96.17%$266,108,284 127,926MEDICAL CARD SYSTEM INC GRP1301118 56,39484.88% 0.08% 96.25%$263,856,483 1,046,626NATIONWIDE CORP GRP140119 940,25068.51% 0.08% 96.33%$260,414,303 589,046DENTAQUEST GRP4512120 3,72775.57% 0.08% 96.42%$249,797,795 921,322TORCHMARK CORP GRP290121 11,624,94875.26% 0.08% 96.49%$243,837,664 694,409CORVESTA GRP4729122 372,84080.28% 0.08% 96.57%$242,227,437 53,474UNIVERSITY HLTH ALLIANCE47953123 36,76188.56% 0.07% 96.64%$231,311,940 51,119BCBS OF WY53767124 26,74386.41% 0.07% 96.71%$223,419,020 600,107WHITE MOUNTAINS GRP1129125 616,60555.41% 0.07% 96.78%

$324,298,282,294 485,847,346GRAND TOTAL 209,103,21081.97% 100.00%

© 2016 National Association of Insurance Commissioners 138

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Top 25 Groups by Company

Group Business

© 2016 National Association of Insurance Commissioners 139

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© 2016 National Association of Insurance Commissioners 140

Page 147: 2015 Accident and Health Policy Experience Report · Accounting & Reporting Information about statutory accounting principles and the procedures necessary for fi ling fi nancial

ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share for All Statement Types

Top 25 Groups by Company

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code as of Dec 31 as of Dec 31Covered Lives

Number of

Rank Group/Company Name

Group

$46,791,484,957 19,834,83212,510,934UNITEDHEALTH GRP7071 78.63% 14.43%$76,589,599 15,9379,740ALL SAVERS INS CO82406 53.08%

$1,979,771 15,4027,973DENTAL BENEFIT PROVIDERS OF IL INC52053 66.92%$1,289,586,847 564,753319,948GOLDEN RULE INS CO62286 71.05%

$0 00HARKEN HLTH INS CO79480 0.00%$0 00HEALTH NET INS CO NY INC43893 0.00%

$784,902,734 231,493119,948HEALTH PLAN OF NV96342 80.66%$53,357,652 11,9167,444MAMSI LIFE & HLTH INS CO60321 65.80%

$354,678,024 59,83925,837MD INDIVIDUAL PRACTICE ASSN INC96310 82.43%$0 00MEDICA HLTH PLANS OF FL INC12756 0.00%

$15,648,750 148,18479,908NATIONAL PACIFIC DENTAL INC95251 56.85%$528,538,801 116,03377,455NEIGHBORHOOD HLTH PARTNERSHIP INC95123 78.00%

$1,871,092 15,4717,127NEVADA PACIFIC DENTAL INC95758 72.37%$197,594,163 43,48124,966OPTIMUM CHOICE INC96940 71.13%

$5,781,217,054 858,009434,287OXFORD HLTH INS INC78026 74.43%$33,651,124 4,0382,155OXFORD HLTH PLANS CT INC96798 64.03%

$111,435,015 13,7415,657OXFORD HLTH PLANS NJ INC95506 77.16%$836,568,697 112,82261,896OXFORD HLTH PLANS NY INC95479 77.40%

$4,181,986 49,48719,333PACIFICARE LIFE & HLTH INS CO70785 43.70%$0 00PACIFICARE LIFE ASSUR CO84506 0.00%$0 00PACIFICARE OF AZ INC95617 0.00%

)$(1,342,454 00PACIFICARE OF CO INC95434 0.00%)$(361,394 00PACIFICARE OF NV INC95685 0.00%

$6,427,862,656 694,443657,369SIERRA HLTH & LIFE INS CO INC71420 88.47%$61,445,425 366,571187,087UNIMERICA INS CO91529 66.11%

$4,977,428 14,28614,286UNIMERICA LIFE INS CO OF NY11596 55.22%$23,207,711 4,4002,803UNITED HLTH CARE OF MS INC95716 75.70%

$959,436,302 192,119106,472UNITED HLTHCARE INS CO OF IL60318 75.39%$1,811,701,220 859,436625,732UNITED HLTHCARE INS CO OF NY60093 76.41%

$36,375,010 8,1244,726UNITED HLTHCARE MID ATLANTIC INC95025 63.69%$3,239,934 1,048629UNITED HLTHCARE OF AL INC95784 78.78%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share for All Statement Types

Top 25 Groups by Company

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code as of Dec 31 as of Dec 31Covered Lives

Number of

Rank Group/Company Name

Group

$9,770,565 3,1231,846UNITED HLTHCARE OF AR INC954461 74.49%$109,756,452 16,62610,723UNITED HLTHCARE OF AZ INC96016 81.94%

$36,349,385 11,5637,294UNITED HLTHCARE OF CO INC95090 74.37%$445,309,201 95,07760,949UNITED HLTHCARE OF FL INC95264 75.41%

$31,065,437 8,6965,273UNITED HLTHCARE OF GA INC95850 69.90%$90,143,930 20,63512,506UNITED HLTHCARE OF KY LTD96644 77.23%$44,472,846 7,6995,272UNITED HLTHCARE OF LA INC95833 86.53%

$0 00UNITED HLTHCARE OF MIDLANDS INC95591 0.00%$2,895,064 440199UNITED HLTHCARE OF MIDWEST INC96385 (191.75)%

$19,071,660 4,1592,136UNITED HLTHCARE OF OH INC95186 68.43%$13,714,483 5,6492,264UNITED HLTHCARE OF UT INC95501 81.06%$10,758,572 1,306788UNITEDHEALTHCARE BENEFITS OF TX INC95174 77.51%

$0 00UNITEDHEALTHCARE COMM PLAN OF TX LLC11141 0.00%$24,697,398,408 14,785,0999,326,434UNITEDHEALTHCARE INS CO79413 77.98%

$723,426,285 180,924104,909UNITEDHEALTHCARE INS CO OF THE RIVER12231 83.05%$290,012,351 103,70859,277UNITEDHEALTHCARE LIFE INS CO97179 78.89%$108,366,635 22,00212,839UNITEDHEALTHCARE OF IL INC95776 72.98%$131,862,072 31,94321,941UNITEDHEALTHCARE OF NC INC95103 72.49%

$17,980,878 5,0702,962UNITEDHEALTHCARE OF NEW ENGLAND INC95149 77.98%$3,936,546 492200UNITEDHEALTHCARE OF OR INC95893 16.34%

$28,426,663 9,4796,330UNITEDHEALTHCARE OF TX INC95765 85.98%$160,674,468 37,19222,140UNITEDHEALTHCARE OF WA INC48038 82.43%$180,756,640 34,21916,878UNITEDHEALTHCARE OF WI INC95710 74.92%$182,677,787 37,78420,149UNITEDHEALTHCARE PLAN OF THE RIVER V95378 74.37%

$54,315,482 10,9144,847UNITEDHEATHCARE OF OK INC96903 92.89%

$25,701,364,925 10,957,1696,864,519ANTHEM INC GRP6712 82.59% 7.93%$2,688,077,609 1,839,9421,265,990ANTHEM BLUE CROSS LIFE & HLTH INS CO62825 77.53%$1,085,231,724 310,601172,343ANTHEM HLTH PLANS INC60217 80.41%$1,551,556,504 626,580331,662ANTHEM HLTH PLANS OF KY INC95120 82.20%

$876,948,175 244,235132,893ANTHEM HLTH PLANS OF ME INC52618 86.49%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share for All Statement Types

Top 25 Groups by Company

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code as of Dec 31 as of Dec 31Covered Lives

Number of

Rank Group/Company Name

Group

$329,056,100 76,76240,078ANTHEM HLTH PLANS OF NH537592 87.57%$3,036,522,365 1,200,898621,384ANTHEM HLTH PLANS OF VA INC71835 85.34%$1,999,232,159 875,150451,006ANTHEM INS CO INC28207 81.03%

$2,176,578 44,38144,381ANTHEM LIFE & DISABILITY INS CO13573 71.02%$101,376,625 1,217,4041,212,160ANTHEM LIFE INS CO61069 58.78%

$1,371,780,234 298,740174,814BCBS HLTHCARE PLAN OF GA INC96962 77.63%$1,642,181,167 568,074288,642BCBS OF GA INC54801 91.13%

$601,173,524 231,259116,124BCBS OF WI54003 89.28%$3,394,718,848 984,206494,507COMMUNITY INS CO10345 82.84%

$397,232,709 105,04450,710COMPCARE HLTH SERV INS CORP95693 81.76%$2,044,038,395 667,751347,542EMPIRE HEALTHCHOICE ASSUR INC55093 85.12%

$230,285,797 29,33615,988EMPIRE HEALTHCHOICE HMO INC95433 83.10%$12,565,451 177,585177,883GREATER GA LIFE INS CO97217 45.16%

$711,437,108 154,15993,870HEALTHKEEPERS INC95169 75.99%$1,353,184,039 398,790217,260HEALTHY ALLIANCE LIFE INS CO78972 80.29%

$133,583,007 25,34213,931HMO CO INC95473 82.12%$120,047,954 20,82711,706HMO MO INC95358 77.82%$398,992,124 65,02237,534MATTHEW THORTON HLTH PLAN INC95527 76.21%

$1,560,972,039 439,446239,464ROCKY MOUNTAIN HOSPITAL & MEDICAL11011 84.34%$58,994,690 355,635312,647UNICARE LIFE & HLTH INS CO80314 87.54%

$22,300,126,058 13,393,6219,113,909AETNA GRP13 81.08% 6.88%$39,807,301 241,730116,234AETNA DENTAL INC95910 56.86%$11,702,240 181,4932,275AETNA DENTAL INC NJ CORP11183 79.64%

$118,661,865 21,59111,097AETNA HEALTH INC LA95173 87.46%$167,342 343343AETNA HLTH & LIFE INS CO78700 72.21%

$87,091,313 18,87211,406AETNA HLTH INC95241 81.67%$17,007,008 1,759891AETNA HLTH INC CT CORP95935 103.83%

$874,647,764 173,71864,086AETNA HLTH INC FL CORP95088 80.80%$407,043,971 113,01564,401AETNA HLTH INC GA CORP95094 79.84%

$21,511,222 4,0642,311AETNA HLTH INC ME CORP95517 91.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share for All Statement Types

Top 25 Groups by Company

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code as of Dec 31 as of Dec 31Covered Lives

Number of

Rank Group/Company Name

Group

$690,107,952 117,81660,760AETNA HLTH INC NJ CORP952873 80.81%$127,691,195 15,8068,423AETNA HLTH INC NY CORP95234 76.43%

$2,057,297,690 453,310229,049AETNA HLTH INC PA CORP95109 77.95%$189,874,181 35,57021,232AETNA HLTH INC TX CORP95490 87.93%

$26,025,095 201,392107,989AETNA HLTH INS CO72052 149.66%$485,752 1,822714AETNA HLTH INS CO OF NY84450 121.19%

$14,680,661,986 11,166,2638,028,647AETNA LIFE INS CO60054 80.88%$206,868,576 46,09218,144ALTIUS HLTH PLANS INC95407 85.02%

$5,285,086 27,46927,469CONTINENTAL LIFE INS CO BRENTWOOD68500 76.05%$861,412,587 159,81091,392COVENTRY HLTH & LIFE INS CO81973 87.75%

$83,857,967 6,1903,654COVENTRY HLTH CARE OF DE INC96460 79.46%$223,377,649 42,20724,203COVENTRY HLTH CARE OF FL INC95114 79.82%$101,586,300 15,7938,805COVENTRY HLTH CARE OF IL INC74160 85.29%$170,511,797 29,57017,190COVENTRY HLTH CARE OF KS INC95489 73.92%

$16,559,727 2,7761,237COVENTRY HLTH CARE OF MO INC96377 62.82%$92,161,510 21,07711,655COVENTRY HLTH CARE OF NE INC95925 79.84%

$292,357,453 60,89341,363COVENTRY HLTH CARE OF THE CAROLINAS95321 82.12%$147,124,323 11,4827,068COVENTRY HLTH CARE OF VA INC96555 86.90%

$17,207,528 00COVENTRY HLTH CARE OF W VA INC95408 77.56%$10,079,979 1,364681COVENTRY HLTH PLAN OF FL INC95266 63.39%$19,180,411 33,55622,830FIRST HLTH LIFE & HLTH INS CO90328 59.64%$16,781,257 56,26036,439GROUP DENTAL SERV OF MD INC95846 64.45%$37,803,235 5,3823,222HEALTHAMER PA INC95060 87.96%

$488,965,063 85,57347,762HEALTHASSURANCE PA INC11102 86.19%$79,242,825 16,6897,878INNOVATION HLTH INS CO15097 83.26%$79,978,908 22,87413,059INNOVATION HLTH PLAN INC15098 73.43%

$0 00MHNET LIFE & HLTH INS CO12509 0.00%

$21,119,140,903 4,593,4222,439,689HCSC GRP9174 85.36% 6.51%$137,941,229 00DEARBORN NATL LIFE INS CO71129 79.14%

$1,248,084 26,37726,260DEARBORN NATL LIFE INS CO OF NY85090 112.66%

© 2016 National Association of Insurance Commissioners 144

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share for All Statement Types

Top 25 Groups by Company

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code as of Dec 31 as of Dec 31Covered Lives

Number of

Rank Group/Company Name

Group

$26,525,153 4,6132,669GHS HMO INC DBA BLUELINCS HMO118144 91.69%$11,775,796 7,3587,358HCSC INS SERV CO78611 85.45%

$20,941,650,641 4,555,0742,403,402HEALTH CARE SERV CORP A MUT LEGAL RE70670 85.39%

$11,961,159,025 6,703,5123,959,645HUMANA GRP1195 83.75% 3.69%$6,583,160 587587CARITEN HLTH PLAN INC95754 88.82%

$93,185,583 965,375506,830COMPBENEFITS CO52015 67.57%$6,031,399 35,76516,374COMPBENEFITS DENTAL INC11228 65.96%

$94,613,157 647,020388,933COMPBENEFITS INS CO60984 71.72%$21,613,128 181,714101,088DENTICARE INC95161 55.83%

$6,306 00EMPHESYS INS CO88595 (28.50)%$244,093,213 20,62320,124HUMANA BENEFIT PLAN OF IL INC60052 91.88%

$236,884 904510HUMANA DENTAL CONCERN LTD52028 33.69%$585,004,442 164,50896,335HUMANA EMPLOYERS HLTH PLAN GA INC95519 79.22%$414,671,044 96,11660,169HUMANA HLTH BENEFIT PLAN OF LA INC95642 83.68%

$8,787 11HUMANA HLTH CO OF NY INC13558 4.55%$134,650,186 12,67111,275HUMANA HLTH INS CO OF FL INC69671 84.03%$973,637,031 212,490127,581HUMANA HLTH PLAN INC95885 84.88%$178,276,115 45,77723,799HUMANA HLTH PLAN OF OH INC95348 81.49%$737,705,967 184,947115,340HUMANA HLTH PLAN OF TX INC95024 84.07%

$52,770,440 14,3377,988HUMANA HLTH PLANS OF PR95721 79.24%$6,727,935,329 2,091,4601,344,403HUMANA INS CO73288 85.40%

$2,329,641 15,7757,501HUMANA INS CO OF KY60219 78.60%$26,467,777 4,6913,789HUMANA INS CO OF NY12634 101.63%$82,317,592 68,82245,748HUMANA INS CO OF PR INC84603 78.13%

$930,775,204 171,411116,362HUMANA MEDICAL PLAN INC95270 84.22%$283,342 1,269457HUMANA MEDICAL PLAN OF UT INC12908 100.28%

$213,302,577 41,71119,515HUMANA WI HLTH ORG INS CORP95342 89.28%$324,363,212 1,120,309592,285HUMANADENTAL INS CO70580 67.72%

$79,676,403 381,110236,805KANAWHA INS CO65110 37.66%$30,621,106 224,119115,846THE DENTAL CONCERN INC54739 67.16%

© 2016 National Association of Insurance Commissioners 145

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share for All Statement Types

Top 25 Groups by Company

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code as of Dec 31 as of Dec 31Covered Lives

Number of

Rank Group/Company Name

Group

$10,461,537,504 24,420,320212,513CIGNA HLTH GRP9016 80.07% 3.23%$23,711,505 4,43330ALLEGIANCE LIFE & HLTH INS CO INC12814 86.71%

$67,362 189122CENTRAL RESERVE LIFE INS CO61727 282.63%$9,068,679 39,433579CIGNA DENTAL HLTH OF CO INC11175 59.06%

$182,402 1,006152CIGNA DENTAL HLTH OF DE INC95380 84.23%$32,314,582 152,7841,068CIGNA DENTAL HLTH OF FL INC52021 42.41%

$1,759,820 7,823319CIGNA DENTAL HLTH OF KS INC52024 57.00%$10,844,757 49,269761CIGNA DENTAL HLTH OF KY INC52108 45.43%$11,706,596 55,765626CIGNA DENTAL HLTH OF MD INC48119 48.86%

$5,058,300 22,172398CIGNA DENTAL HLTH OF MO INC11160 69.30%$5,336,002 21,436545CIGNA DENTAL HLTH OF NC INC95179 76.86%

$11,407,459 63,8421,115CIGNA DENTAL HLTH OF NJ INC11167 80.35%$8,716,677 41,275538CIGNA DENTAL HLTH OF OH INC47805 54.23%$5,388,684 22,873795CIGNA DENTAL HLTH OF PA INC47041 41.78%

$31,888,242 161,0961,015CIGNA DENTAL HLTH OF TX INC95037 41.75%$5,478,547 25,508615CIGNA DENTAL HLTH OF VA INC52617 48.89%

$13,848,279 68,045653CIGNA DENTAL HLTH PLAN OF AZ INC47013 51.10%$1,003,032 10958CIGNA HLTCARE OF IN INC95525 83.76%

$7,553,334,821 5,610,33081,491CIGNA HLTH & LIFE INS CO67369 80.32%$0 00CIGNA HLTHCARE NH INC95493 0.00%

$80,946,927 15,6346,712CIGNA HLTHCARE OF AZ INC95125 92.95%$7,220,427 1,358727CIGNA HLTHCARE OF CO INC95604 94.90%

$10,122,933 33,72017,114CIGNA HLTHCARE OF CT INC95660 56.40%$1,211,048 223105CIGNA HLTHCARE OF FL INC95136 78.37%

$173,765,276 22,14422,057CIGNA HLTHCARE OF GA INC96229 96.43%$887,862 16799CIGNA HLTHCARE OF IL INC95602 48.80%

$75,680,184 9,5978,475CIGNA HLTHCARE OF NC INC95132 89.35%$999,730 11756CIGNA HLTHCARE OF NJ INC95500 57.43%

$80,223,848 8,8458,841CIGNA HLTHCARE OF SC INC95708 84.74%$6,291,898 973421CIGNA HLTHCARE OF ST LOUIS INC95635 76.76%

© 2016 National Association of Insurance Commissioners 146

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share for All Statement Types

Top 25 Groups by Company

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code as of Dec 31 as of Dec 31Covered Lives

Number of

Rank Group/Company Name

Group

$19,259,526 3,4941,940CIGNA HLTHCARE OF TN INC956066 75.51%$84,064,951 11,8615,089CIGNA HLTHCARE OF TX INC95383 82.69%

$103,025,756 943,2192,724CIGNA LIFE INS CO OF NY64548 72.52%$37,322 5319CIGNA WORLDWIDE INS CO90859 3,395.46%

$64,796,618 577,1123,498CONNECTICUT GEN LIFE INS CO62308 59.83%$2,011,561,940 16,419,98923,008LIFE INS CO OF N AMER65498 79.97%

$5,809,051 22,44018,762LOYAL AMER LIFE INS CO65722 38.82%$4,516,461 1,9861,986STERLING LIFE INS CO77399 63.02%

$8,878,335,967 1,769,007990,522KAISER FOUNDATION GRP6017 88.54% 2.74%$938,383,029 180,345110,323KAISER FOUND HLTH PLAN INC HI REGION11538 88.46%

$2,582,623,024 490,387281,477KAISER FOUND HLTH PLAN MID ATLANTI95639 87.76%$1,917,281,276 369,579202,511KAISER FOUND HLTH PLAN OF CO95669 91.61%$1,195,751,397 235,805131,732KAISER FOUND HLTH PLAN OF GA INC96237 96.24%$2,120,822,587 369,409182,358KAISER FOUND HLTH PLAN OF THE NW95540 83.31%

$123,474,654 123,48282,121KAISER PERMANENTE INS CO60053 73.31%

$7,698,474,299 1,401,960690,773BCBS OF MI GRP5728 82.74% 2.37%$5,351,030,611 917,222453,824BCBS OF MI MUT INS CO54291 82.75%$2,347,443,688 484,738236,949BLUE CARE NETWORK OF MI95610 82.73%

$7,456,616,935 7,857,8643,810,670HIGHMARK GRP8129 92.31% 2.30%$418,369,067 88,77647,794FIRST PRIORITY LIFE INS CO INC60147 84.80%$477,604,159 88,13150,402HIGHMARK BCBSD INC53287 83.53%

$37,274,073 10,0125,630HIGHMARK BENEFITS GRP INC15508 84.08%$10,926,860 2,1581,167HIGHMARK COVERAGE ADVANTAGE INC15507 74.14%

$2,879,354,260 702,914407,121HIGHMARK INC54771 88.31%$1,191,000,549 100,536100,536HIGHMARK SENIOR HLTH CO15460 91.88%

$15,503,962 1,0401,029HIGHMARK SENIOR SOLUTIONS CO15459 92.92%$823,388,412 153,41779,274HIGHMARK WEST VIRGINIA INC.54828 123.16%$607,253,810 136,74492,756HM HLTH INS CO71768 86.57%$149,317,351 2,442,9551,204,722HM LIFE INS CO93440 75.03%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share for All Statement Types

Top 25 Groups by Company

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code as of Dec 31 as of Dec 31Covered Lives

Number of

Rank Group/Company Name

Group

$27,086,729 1,138,400419HM LIFE INS CO OF NY602139 85.20%$30,975,594 5,6062,766HMO OF NE PA96601 74.19%

$9,283,517 1,874888KEYSTONE HLTH PLAN W INC95048 95.64%$0 00UNITED CONCORDIA COMPANIES INC89070 0.00%

$11,095,662 80,30555,876UNITED CONCORDIA DENTAL PLAN PA INC47089 80.57%$3,728,506 20,45411,750UNITED CONCORDIA DENTAL PLANS95253 52.41%

$486,076 1,769670UNITED CONCORDIA DENTAL PLANS OF KY52048 80.02%$740,229 4,5182,235UNITED CONCORDIA DENTAL PLANS TX INC95160 58.87%

$7,213,509 24,8618,967UNITED CONCORDIA DENTAL PLNS OF MW96150 81.78%$261,989,151 748,660385,317UNITED CONCORDIA INS CO85766 79.11%

$6,979,019 16,8227,899UNITED CONCORDIA INS CO OF NY60222 69.44%$487,046,440 2,087,9121,343,452UNITED CONCORDIA LIFE & HLTH INS CO62294 85.10%

$6,992,499,377 1,496,884784,373CAREFIRST INC GRP38010 81.99% 2.16%$2,358,235,896 494,416273,234CAREFIRST BLUECHOICE INC96202 74.15%$1,387,498,208 342,009169,427CAREFIRST OF MD INC47058 88.27%$3,244,155,544 642,393332,166GROUP HOSPITALIZATION & MED SRVCS53007 84.99%

$2,609,729 18,0669,546THE DENTAL NETWORK INC13130 85.77%

$6,767,824,514 1,490,119853,752GUIDEWELL MUT HOLDING GRP53611 82.86% 2.09%$4,901,362,795 899,848516,017BCBS OF FL98167 82.72%

$714,736,611 131,64270,964CAPITAL HLTH PLAN INC95112 94.38%$55,380,539 204,84796,148FLORIDA COMBINED LIFE INS CO INC76031 72.34%

$181,130,764 33,74221,225FLORIDA HLTH CARE PLAN INC13567 81.57%$915,213,805 220,040149,398HEALTH OPTIONS INC95089 75.47%

$6,547,136,419 26,179,076119,233METROPOLITAN GRP24112 73.74% 2.02%$68,446,192 43,437758DELAWARE AMER LIFE INS CO62634 56.46%

$0 233233GENERAL AMER LIFE INS CO63665 0.00%$285,497 5,196145METLIFE HLTH PLANS INC14170 79.98%

)$(5,235,771 00METLIFE INS CO USA87726 0.00%$6,453,343,173 25,891,32091,808METROPOLITAN LIFE INS CO65978 73.86%

© 2016 National Association of Insurance Commissioners 148

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share for All Statement Types

Top 25 Groups by Company

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code as of Dec 31 as of Dec 31Covered Lives

Number of

Rank Group/Company Name

Group

$9,930,633 81,1505,233SAFEGUARD HLTH PLANS INC9505112 52.45%$19,353,949 136,9619,392SAFEGUARD HLTH PLANS INC52009 64.18%

$1,012,746 20,77911,664SAFEHEALTH LIFE INS CO79014 37.84%

$5,600,061,823 1,627,483810,596BCBS OF MA GRP363713 85.12% 1.73%$1,972,587,489 956,611490,361BCBS OF MA53228 88.87%$3,627,474,334 670,872320,235BCBS OF MA HMO BLUE INC12219 83.08%

$5,228,554,253 1,302,525607,546BCBS OF NJ GRP120214 84.18% 1.61%$16,129,993 82,26437,968HORIZON HLTHCARE DENTAL INC11146 72.32%$56,855,550 9,3947,268HORIZON HLTHCARE OF NJ INC95529 84.63%

$5,154,578,405 1,189,577551,399HORIZON HLTHCARE SERV INC55069 84.21%$990,305 21,29010,911HORIZON INS CO14690 84.42%

$4,669,049,958 1,980,0731,008,648EMBLEM HLTH GRP112715 86.06% 1.44%$235,659,630 34,78717,641CONNECTICARE INC95675 80.97%$576,730,229 113,19959,340CONNECTICARE INS CO INC11209 81.74%

$8,310,976 1,298713CONNECTICARE OF MA INC95299 101.55%$904,532,750 1,427,159697,009GROUP HLTH INC55239 82.24%

$2,924,398,872 393,608228,219HEALTH INS PLAN OF GREATER NY55247 88.57%$19,417,501 10,0225,726HIP INS CO OF NY60094 68.75%

$4,207,046,961 776,386427,687INDEPENDENCE HLTH GRP INC GRP93616 80.86% 1.30%$166,289,436 32,74618,458AMERIHEALTH HMO INC95044 80.16%$523,684,811 84,81643,650AMERIHEALTH INS CO OF NJ60061 84.29%$296,338,908 95,17557,354INDEPENDENCE HOSPITAL IND PLAN INC54704 96.50%

$9,143,996 4,2362,293INTER CNTY HLTH PLAN INC53252 99.07%$17,629,883 4,2182,281INTER CTY HOSPITALIZATION PLAN INC54763 113.59%

$1,435,994,059 241,031142,729KEYSTONE HLTH PLAN E INC95056 74.34%$1,757,965,868 314,164160,922QCC INS CO93688 82.16%

$3,925,559,737 934,445494,968LIFETIME HLTHCARE GRP118617 86.37% 1.21%

© 2016 National Association of Insurance Commissioners 149

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share for All Statement Types

Top 25 Groups by Company

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code as of Dec 31 as of Dec 31Covered Lives

Number of

Rank Group/Company Name

Group

$3,906,832,457 905,982466,505EXCELLUS HLTH PLAN INC5510717 85.13%$10,332,164 22,28922,289MEDAMERICA INS CO69515 271.72%

$57,024 4040MEDAMERICA INS CO OF FL12967 121.86%$8,338,092 6,1346,134MEDAMERICA INS CO OF NY83437 436.86%

$3,550,139,998 860,515461,555CAMBIA HEALTH SOLUTIONS INC120718 82.10% 1.09%$97,709,749 19,63512,701ASURIS NW HLTH47350 75.16%

$0 00BRIDGESPAN HLTH CO95303 0.00%$1,109,343,219 281,772150,625REGENCE BCBS OF OR54933 81.58%

$853,972,533 184,68980,718REGENCE BCBS OF UT54550 86.61%$1,185,272,316 292,935172,686REGENCE BLUESHIELD53902 79.24%

$303,842,181 81,48444,825REGENCE BLUESHIELD OF ID INC60131 84.77%

$3,331,403,109 1,118,228574,265BCBS OF AL GRP57019 90.77% 1.03%$3,331,403,109 1,118,228574,265BCBS OF AL55433 90.77%

$3,269,324,771 754,180463,651BCBS OF NC INC5463120 85.17% 1.01%$3,269,324,771 754,180463,651BCBS OF NC INC54631 85.17%

$3,111,442,053 16,722,541180,370UNUMPROVIDENT CORP GRP56521 80.00% 0.96%$108,986,368 315,0788,093COLONIAL LIFE & ACCIDENT INS CO62049 47.34%$231,783,456 1,218,2489,172FIRST UNUM LIFE INS CO64297 74.01%

$15,858,197 42,3661,929PAUL REVERE LIFE INS CO67598 78.05%$3,579,630 10,4628,679PROVIDENT LIFE & ACCIDENT INS CO68195 431.25%

$152,728 1831PROVIDENT LIFE & CAS INS CO68209 1,567.20%$2,751,081,674 15,136,204152,496UNUM LIFE INS CO OF AMER62235 81.27%

$2,902,587,010 13,226,49910,330,111GUARDIAN LIFE GRP42922 67.57% 0.90%$479,224 3,3541,452ACCESS DENTAL PLAN OF NV INC15307 27.54%

$36,647,094 156,9832,305FIRST COMMONWEALTH INS CO60239 59.91%$4,315,607 18,761666FIRST COMMONWEALTH LTD HLTH SERV COR12146 52.57%

$218,159 1,18936FIRST COMMONWEALTH LTD HLTH SERV COR11221 70.72%

© 2016 National Association of Insurance Commissioners 150

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share for All Statement Types

Top 25 Groups by Company

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code as of Dec 31 as of Dec 31Covered Lives

Number of

Rank Group/Company Name

Group

$1,557,795 5,030126FIRST COMMONWEALTH OF MO INC4771622 67.36%$2,726,904,091 12,643,94410,068,598GUARDIAN LIFE INS CO OF AMER64246 67.70%

$3,376,280 19,5801,092MANAGED DENTAL GUARD INC11199 80.09%$327,466 1,74498MANAGED DENTALGUARD INC14142 54.14%

$7,027,548 57,94731,665MANAGED DENTALGUARD INC52556 62.49%$121,733,746 317,967224,073PREMIER ACCESS INS CO60237 67.61%

$2,839,719,140 662,067378,103PREMERA BLUE CROSS GRP96223 86.42% 0.88%$25,155,203 11,54510,989LIFEWISE ASSUR CO94188 76.83%$85,126,474 25,07213,967LIFEWISE HLTH PLAN OF OR INC84930 89.12%

$1,631,134 537292LIFEWISE HLTH PLAN OF WA52633 77.87%$2,727,806,329 624,913352,855PREMERA BLUE CROSS47570 86.43%

$2,769,785,088 1,361,908707,679BCBS OF TN GRP349824 81.13% 0.85%$2,769,785,088 1,361,908707,679BCBS OF TN INC54518 81.13%

$2,507,292,100 495,121267,915HARVARD PILGRIM HLTH CARE GRP59525 87.09% 0.77%$325,321,896 63,06233,921HARVARD PILGRIM HEALTH CARE NEW ENG96717 77.73%

$1,608,774,037 291,171141,999HARVARD PILGRIM HLTH CARE INC96911 87.51%$1,435,014 800790HARVARD PILGRIM HLTH CARE OF CT INC15492 71.87%

$571,761,153 140,08891,205HPHC INS CO INC18975 91.28%

$324,298,282,294 485,847,346209,103,21026 81.97%

© 2016 National Association of Insurance Commissioners 151

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Market Share by Statement Type

Group Business

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share for Life, Accident & Health

Grand Total for Group Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

$26,424,192,044 15,899,841UNITEDHEALTH GRP7071 9,936,10577.55% 29.40% 29.40%$14,705,294,825 11,227,631AETNA GRP12 8,079,28980.85% 16.36% 45.77%

$9,738,632,870 23,573,332CIGNA HLTH GRP9013 129,62480.02% 10.84% 56.60%$6,516,553,594 25,934,990METROPOLITAN GRP2414 92,79973.80% 7.25% 63.85%$3,111,442,053 16,722,541UNUMPROVIDENT CORP GRP5655 180,37080.00% 3.46% 67.32%$2,726,904,091 12,643,944GUARDIAN LIFE GRP4296 10,068,59867.70% 3.03% 70.35%$1,774,891,342 14,991,963HARTFORD FIRE & CAS GRP917 93,79373.74% 1.98% 72.33%$1,401,780,696 9,010,448LINCOLN NATL GRP208 76,13473.41% 1.56% 73.89%$1,314,742,056 551,738BCBS OF KS GRP4309 239,41890.80% 1.46% 75.35%$1,308,463,339 2,961,801ASSURANT INC GRP1910 2,058,91669.60% 1.46% 76.80%$1,167,509,197 7,313,242STANCORP FIN GRP134811 7,035,16477.85% 1.30% 78.10%$1,164,686,984 14,839,269AEGON US HOLDING GRP46812 12,406,92748.27% 1.30% 79.40%$1,097,275,237 3,588,639PRINCIPAL FIN GRP33213 2,712,86867.78% 1.22% 80.62%$1,001,862,876 180,631BLUE SHIELD OF CA GRP279814 125,34973.11% 1.11% 81.74%

$985,641,760 7,933,088PRUDENTIAL OF AMER GRP30415 8,20084.40% 1.10% 82.83%$929,166,572 275,552HEALTH NET INC GRP62316 138,53783.88% 1.03% 83.87%$855,204,875 4,025,210LIBERTY MUT GRP11117 4,025,21090.53% 0.95% 84.82%$793,017,008 3,188,868SUN LIFE ASSUR CO OF CN GRP54918 32,34576.47% 0.88% 85.70%$786,331,763 3,799,296TOKIO MARINE HOLDINGS INC GRP309819 41,25570.62% 0.87% 86.58%$780,402,484 620,047JOHN HANCOCK GRP90420 619,78759.28% 0.87% 87.44%$743,183,874 20,853,531MUTUAL OF OMAHA GRP26121 4,775,31666.43% 0.83% 88.27%$672,291,294 10,704,517FIDELITY SECURITY GRP45122 5,051,40971.91% 0.75% 89.02%$625,409,271 1,577,233AMERITAS MUT HOLDING GRP94323 24,07868.11% 0.70% 89.71%$554,784,356 136,057WEA INS CORP7227324 75,38598.37% 0.62% 90.33%$541,674,624 4,776,462ALLSTATE INS GRP825 2,709,50148.38% 0.60% 90.94%$479,196,654 1,770,507GENEVE HOLDINGS INC GRP45026 1,389,29859.69% 0.53% 91.47%$402,897,066 951,665AMERICAN FIDELITY CORP GRP33027 898,44551.83% 0.45% 91.92%$385,642,415 2,197,175AFLAC GRP37028 1,447,53548.81% 0.43% 92.35%$344,934,861 3,829,120NATIONAL GUARDIAN LIFE INS GRP121129 2,043,28765.26% 0.38% 92.73%$341,967,464 0NESTLE SA GRP448330 072.71% 0.38% 93.11%$314,043,205 3,537,838MINNESOTA MUT GRP86931 1,851,89440.47% 0.35% 93.46%$312,780,231 899,851BCBS OF SC GRP66132 683,34467.30% 0.35% 93.81%$293,015,889 198,120GENWORTH FIN GRP401133 189,577124.92% 0.33% 94.13%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share for Life, Accident & Health

Grand Total for Group Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

$275,474,436 79,620NIPPON LIFE INS CO OF AMER8126434 42,32177.39% 0.31% 94.44%$266,108,284 127,926MEDICAL CARD SYSTEM INC GRP130135 56,39484.88% 0.30% 94.74%$254,563,996 1,579,688AMERICAN INTL GRP1236 670,49660.67% 0.28% 95.02%$252,118,868 891,919NATIONWIDE CORP GRP14037 785,54469.72% 0.28% 95.30%$249,797,795 921,322TORCHMARK CORP GRP29038 11,624,94875.26% 0.28% 95.58%$220,379,540 0CHUBB LTD GRP62639 076.31% 0.25% 95.82%$209,776,852 419,498CNO FINANCIAL GRP23340 309,21786.15% 0.23% 96.06%$182,597,421 26,950,314CUNA MUT GRP30641 18,329,98021.67% 0.20% 96.26%$176,404,080 3,581,355HIGHMARK GRP81242 1,205,14176.60% 0.20% 96.46%$175,113,344 1,795,005ANTHEM INC GRP67143 1,747,07167.64% 0.19% 96.65%$164,323,636 465,707HUMANA GRP11944 290,05458.52% 0.18% 96.83%$157,802,055 847,729BCS INS GRP2345 388,20763.75% 0.18% 97.01%$151,769,973 2,250,923VOYA FINANCIAL GRP483246 1,198,89563.33% 0.17% 97.18%$150,686,707 263,589WESTBRIDGE CAPITAL GRP83947 173,45653.08% 0.17% 97.35%$146,007,324 1,240,405NEW YORK LIFE GRP82648 1,224,00372.97% 0.16% 97.51%$139,189,313 26,377HCSC GRP91749 26,26079.44% 0.15% 97.66%$117,765,118 231,087MAPFRE INS GRP41150 5,11493.03% 0.13% 97.79%$113,584,500 98,005PAN AMER LIFE GRP52551 55,79854.98% 0.13% 97.92%$112,456,527 521,035TRUSTMARK MUT HOLDING CO GRP27652 414,26945.93% 0.13% 98.05%$111,855,507 223,684NORTHWESTERN MUT GRP86053 12,49248.84% 0.12% 98.17%

$95,950,459 599,557WHITE MOUNTAINS GRP112954 616,05567.79% 0.11% 98.28%$90,478,893 406,646ARKANSAS BCBS GRP87655 2,39064.24% 0.10% 98.38%$86,455,637 1,470,010SHELTERPOINT GRP INC480356 1,402,16053.80% 0.10% 98.47%$84,607,548 867,788ONEAMERICA FIN PARTNERS GRP61957 867,66667.72% 0.09% 98.57%$81,436,614 45,357AMERICAN ENTERPRISE MUT GRP352758 44,53379.18% 0.09% 98.66%$74,737,787 81,001AMERICAN NATL FIN GRP40859 52,85575.80% 0.08% 98.74%$64,271,346 494,253AUTOMOBILE CLUB MI GRP5560 494,25327.05% 0.07% 98.81%$62,678,658 379,500STARMOUNT LIFE INS CO6898561 203,69274.03% 0.07% 98.88%$55,380,539 204,847GUIDEWELL MUT HOLDING GRP53662 96,14872.34% 0.06% 98.94%$53,667,867 201,639KANSAS CITY LIFE INS GRP58863 157,16763.78% 0.06% 99.00%$50,527,427 485,863BOSTON MUT GRP58164 435,35352.73% 0.06% 99.06%$48,175,882 90,063AMTRUST NGH GRP253865 50,88292.39% 0.05% 99.11%$43,766,635 3GREAT WEST GRP76966 3100.97% 0.05% 99.16%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share for Life, Accident & Health

Grand Total for Group Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

$43,588,511 8,087PEKIN INS GRP15367 4,99586.01% 0.05% 99.21%$42,952,871 307,765UNIFIED LIFE INS CO1112168 192,91455.38% 0.05% 99.26%$41,279,172 76,581GUARANTEE TRUST GRP68769 55,74051.74% 0.05% 99.31%$37,821,997 198,845PACIFIC GUARDIAN LIFE INS CO LTD6434370 198,84561.62% 0.04% 99.35%$34,349,260 95,185PHYSICIANS MUT GRP36771 80,58551.30% 0.04% 99.39%$33,320,814 35,585ASSURITY LIFE INS CO7143972 16,19670.11% 0.04% 99.42%$28,523,460 59,306HEALTHMARKETS GRP26473 36,91113.55% 0.03% 99.45%$25,723,092 69,354BEST LIFE & HLTH INS CO9063874 38,96963.62% 0.03% 99.48%$25,155,203 11,545PREMERA BLUE CROSS GRP96275 10,98976.83% 0.03% 99.51%$21,740,455 15,348OLD REPUBLIC GRP15076 13266.03% 0.02% 99.54%$20,248,683 17,284HC2 HOLDINGS GRP485277 15,511124.98% 0.02% 99.56%$19,516,383 1,463,246WR BERKLEY CORP GRP9878 2,23367.79% 0.02% 99.58%$19,043,060 3,945WMI MUT INS CO6842079 2,11665.34% 0.02% 99.60%$18,727,280 28,463LIFETIME HLTHCARE GRP118680 28,463344.79% 0.02% 99.62%$18,630,902 77,942WISCONSIN PHYSICIANS SERV INS GRP6881 1,52771.75% 0.02% 99.64%$15,968,539 5,863UNIVERSAL AMER FIN CORP GRP95382 5,80585.65% 0.02% 99.66%$15,574,657 190,020FORTRESS GRP471683 946.10% 0.02% 99.68%$14,859,378 208,911GENERAL ELECTRIC GRP35084 109,68143.94% 0.02% 99.69%$13,767,825 1,038,017UNION LABOR GRP78185 995,68664.10% 0.02% 99.71%$13,473,723 3,795NETCARE LIFE & HLTH INS CO6024686 17585.81% 0.01% 99.72%$12,269,171 101,494ATHENE GRP473487 68,59730.13% 0.01% 99.74%$12,229,307 32,060CITIZENS SECURITY LIFE INS CO6192188 32,06065.46% 0.01% 99.75%$12,099,568 176,075SECURITY MUT LIFE INS CO OF NY6877289 2,49077.61% 0.01% 99.76%$11,661,147 5,449AMERIPRISE FIN GRP490 5,449160.15% 0.01% 99.78%$10,928,233 27,428DENTAL ECONOMICS GRP450691 14,14983.40% 0.01% 99.79%$10,812,084 9,439PENN MUT GRP85092 9,439252.40% 0.01% 99.80%$10,141,921 1,689BENEFICIAL LIFE GRP61593 1,46696.16% 0.01% 99.81%

$8,624,063 1,749SHELTER INS GRP12394 687106.13% 0.01% 99.82%$7,536,234 30,549MEDICAL MUT OF OH GRP73095 30,54988.10% 0.01% 99.83%$7,311,535 16,171HARRIS INS HOLDINGS GRP111796 15,79642.26% 0.01% 99.84%$6,412,777 57,605SENTRY INS GRP16997 56,09793.68% 0.01% 99.85%$6,369,967 0TRIPLE S GRP480298 093.89% 0.01% 99.85%$5,795,755 14,758ZURICH INS GRP21299 18,39059.52% 0.01% 99.86%

© 2016 National Association of Insurance Commissioners 157

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share for Life, Accident & Health

Grand Total for Group Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

$5,638,911 9,957LOUISIANA HLTH SERV GRP438100 9,39070.17% 0.01% 99.87%$5,558,860 3,619MEDICAL BENEFITS MUT LIFE INS CO74322101 1,88261.85% 0.01% 99.87%$5,293,342 968ISMIE GRP2358102 71975.50% 0.01% 99.88%$4,972,383 0DELTA DENTAL OF KS GRP4638103 082.58% 0.01% 99.88%$4,941,716 55,222MULTINATIONAL GRP4804104 55,22249.53% 0.01% 99.89%$4,896,424 91,166UNIVERSAL INS CO GRP71105 91,16635.06% 0.01% 99.90%$4,863,381 19,412SOUTHLAND NATL HOLDING GRP4827106 9,68368.40% 0.01% 100.00%$4,692,264 7,227AMFIRST HOLDINGS GRP4719107 21446.69% 0.01% 100.00%$4,355,082 3,925HEARTLAND NATL LIFE INS CO66214108 3,92576.19% 0.00% 100.00%$4,032,310 13,259TOWN & COUNTRY LIFE INS CO77674109 20665.05% 0.00% 100.00%$4,016,654 1,105AMERCO CORP GRP574110 1,10550.39% 0.00% 100.00%$3,873,738 330,509COMMERCIAL TRAVELERS MUT INS CO81426111 1,90018.80% 0.00% 100.00%$3,611,332 1,757AMALGAMATED LIFE & HLTH INS CO60208112 1,62067.01% 0.00% 100.00%$3,525,419 4,100KEMPER CORP GRP215113 2,38754.98% 0.00% 100.00%$3,401,905 8,083MUTUAL OF AMER LIFE INS CO88668114 8,08336.57% 0.00% 100.00%$3,350,321 18,765UNITED HERITAGE MUT GRP2878115 18,76573.44% 0.00% 100.00%$3,197,031 4,126NEW ERA LIFE GRP520116 74277.09% 0.00% 100.00%$3,170,094 0COOPERATIVA DE SEGUROS DE VIDA79715117 029.20% 0.00% 100.00%$2,909,155 4,999AMALGAMATED LIFE INS CO60216118 3668.40% 0.00% 100.00%$2,712,554 85,696ROYAL STATE NATL INS CO LTD68551119 9100.50% 0.00% 100.00%$2,673,146 5,551CENTRAL STATES GRP690120 5,55181.74% 0.00% 100.00%$2,536,632 9,522LIFE INS CO OF AL65412121 5,08566.99% 0.00% 100.00%$2,480,715 15,792MAGNA INS CO61018122 11255.82% 0.00% 100.00%$2,072,950 5,486ILLINOIS MUT LIFE INS CO64580123 5,48644.21% 0.00% 100.00%$2,035,432 15,189HORACE MANN GRP300124 14,41036.20% 0.00% 100.00%$1,846,493 1,292FINANCIAL HOLDINGS GRP449125 1,31146.53% 0.00% 100.00%

$89,867,801,325 284,236,358GRAND TOTAL 124,887,55676.18% 100.00%

© 2016 National Association of Insurance Commissioners 158

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share for Health

Grand Total for Group Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

$25,526,251,581 9,162,164ANTHEM INC GRP6711 5,117,44882.69% 11.05% 11.05%$20,979,951,590 4,567,045HCSC GRP9172 2,413,42985.40% 9.08% 20.13%$20,367,292,913 3,934,991UNITEDHEALTH GRP7073 2,574,82980.04% 8.81% 28.94%$11,796,835,389 6,237,805HUMANA GRP1194 3,669,59184.10% 5.11% 34.04%

$8,878,335,967 1,769,007KAISER FOUNDATION GRP6015 990,52288.54% 3.84% 37.89%$7,698,474,299 1,401,960BCBS OF MI GRP5726 690,77382.74% 3.33% 41.22%$7,594,831,233 2,165,990AETNA GRP17 1,034,62081.54% 3.29% 44.50%$7,280,212,855 4,276,509HIGHMARK GRP8128 2,605,52992.69% 3.15% 47.66%$6,992,499,377 1,496,884CAREFIRST INC GRP3809 784,37381.99% 3.03% 50.68%$6,712,443,975 1,285,272GUIDEWELL MUT HOLDING GRP53610 757,60482.94% 2.90% 53.59%$5,600,061,823 1,627,483BCBS OF MA GRP363711 810,59685.12% 2.42% 56.01%$5,228,554,253 1,302,525BCBS OF NJ GRP120212 607,54684.18% 2.26% 58.27%$4,669,049,958 1,980,073EMBLEM HLTH GRP112713 1,008,64886.06% 2.02% 60.29%$4,207,046,961 776,386INDEPENDENCE HLTH GRP INC GRP93614 427,68780.86% 1.82% 62.11%$3,906,832,457 905,982LIFETIME HLTHCARE GRP118615 466,50585.13% 1.69% 63.80%$3,550,139,998 860,515CAMBIA HEALTH SOLUTIONS INC120716 461,55582.10% 1.54% 65.34%$3,331,403,109 1,118,228BCBS OF AL GRP57017 574,26590.77% 1.44% 66.78%$3,269,324,771 754,180BCBS OF NC INC5463118 463,65185.17% 1.41% 68.20%$2,814,563,937 650,522PREMERA BLUE CROSS GRP96219 367,11486.51% 1.22% 69.41%$2,769,785,088 1,361,908BCBS OF TN GRP349820 707,67981.13% 1.20% 70.61%$2,507,292,100 495,121HARVARD PILGRIM HLTH CARE GRP59521 267,91587.09% 1.09% 71.70%$2,439,756,530 408,338GROUP HLTH COOP GRP118522 241,23984.69% 1.06% 72.75%$2,415,516,388 631,872WELLMARK INC GRP77023 325,45986.62% 1.05% 73.80%$2,213,817,146 486,269LOUISIANA HLTH SERV GRP43824 273,61385.27% 0.96% 74.76%$2,064,230,257 1,112,110BCBS OF SC GRP66125 638,78382.35% 0.89% 75.65%$2,043,942,206 1,502,281UPMC HLTH SYSTEM GRP132426 162,09892.90% 0.88% 76.54%$1,986,299,464 441,378HAWAII MEDICAL SERV ASSN4994827 249,53287.74% 0.86% 77.40%$1,737,926,863 337,484BCBS OF MN GRP46128 198,52682.47% 0.75% 78.15%$1,637,763,052 381,455MEDICAL MUT OF OH GRP73029 192,92977.16% 0.71% 78.86%$1,627,618,000 781,082HEALTHPARTNERS GRP125830 381,32686.95% 0.70% 79.56%$1,576,444,420 289,341TUFTS GRP474231 174,36384.56% 0.68% 80.24%$1,558,447,797 21,842,344VISION SERV PLAN GRP118932 39,34081.21% 0.67% 80.92%$1,499,429,554 263,308HENRY FORD HLTH SYSTEM GRP131133 125,96689.21% 0.65% 81.57%

© 2016 National Association of Insurance Commissioners 159

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share for Health

Grand Total for Group Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

$1,423,161,899 312,020HEALTH NOW NY INC5520434 156,68483.44% 0.62% 82.18%$1,380,200,183 4,785,639DENTEGRA GRP247935 2,039,18374.95% 0.60% 82.78%$1,379,677,957 296,427SPECTRUM HLTH GRP338336 130,06884.03% 0.60% 83.38%$1,371,518,272 227,775CDPHP INC GRP470837 121,59486.16% 0.59% 83.97%$1,295,806,865 412,322CAPITAL BLUE CROSS GRP123038 147,57482.81% 0.56% 84.53%$1,275,831,243 1,044,539BCBS OF AZ INC5358939 513,17284.38% 0.55% 85.08%$1,240,427,614 201,618MVP GRP119840 117,34388.08% 0.54% 85.62%$1,179,729,733 235,553BCBS OF NE7778041 122,47285.71% 0.51% 86.13%$1,163,263,690 281,378BCBS OF KC GRP53742 153,87984.09% 0.50% 86.63%$1,128,382,414 358,428IHC INC GRP88043 139,15692.42% 0.49% 87.12%$1,051,640,848 280,480ARKANSAS BCBS GRP87644 158,67984.87% 0.46% 87.58%$1,051,347,443 269,186MISSISSIPPI INS GRP112645 159,82185.49% 0.45% 88.03%$1,042,399,375 3,681,457RENAISSANCE HLTH SERV CORP GRP47746 223,17685.63% 0.45% 88.48%

$970,348,527 226,233BCBS OF RI5347347 120,80581.21% 0.42% 88.90%$930,669,231 145,532CARLE HOLDING CO GRP119248 76,05888.80% 0.40% 89.31%$905,647,613 179,944MEDICA GRP155249 95,40686.04% 0.39% 89.70%$854,654,443 163,078DEAN HLTH GRP129450 75,51383.24% 0.37% 90.07%$820,847,445 238,640NORIDIAN MUT INS CO5589151 119,69484.38% 0.36% 90.42%$810,644,174 300,587BLUE CROSS OF ID GRP129052 173,34390.43% 0.35% 90.77%$722,904,634 846,988CIGNA HLTH GRP90153 82,88980.75% 0.31% 91.09%$722,376,906 142,257UNITY HLTH PLANS INS CORP9579654 63,34889.87% 0.31% 91.40%$697,729,151 269,969TRIPLE S GRP480255 118,88783.07% 0.30% 91.70%$615,767,427 140,322PROVIDENCE HLTH GRP478856 79,90791.60% 0.27% 91.97%$516,232,024 564,511MAGELLAN HLTH INC GRP126057 374,62087.21% 0.22% 92.19%$514,574,690 100,341INDEPENDENT HLTH BENEFITS CORP4703458 52,04582.93% 0.22% 92.41%$512,063,451 98,206GEISINGER INS GRP114359 56,54085.44% 0.22% 92.63%$495,261,747 123,078PACIFICSOURCE HLTH PLAN GRP470460 109,66181.54% 0.21% 92.85%$487,052,373 87,086FALLON GRP474161 42,18493.84% 0.21% 93.06%$483,009,102 96,768SENTARA HLTH MGMT GRP118362 58,05981.94% 0.21% 93.27%$471,800,530 240,474OREGON DENTAL GRP131363 129,43995.58% 0.20% 93.47%$469,181,610 121,731HEALTH PLAN GRP129764 101,05994.23% 0.20% 93.68%$444,369,687 941,254DELTA DENTAL OF WA4734165 4,72285.46% 0.19% 93.87%$440,850,359 65,214HEALTHPLUS OF MI GRP340966 39,86089.90% 0.19% 94.06%

© 2016 National Association of Insurance Commissioners 160

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share for Health

Grand Total for Group Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

$412,158,390 79,413BCBS OF VT GRP474567 41,49791.06% 0.18% 94.24%$411,810,341 71,002SECURITY HLTH PLAN OF WI INC9688168 29,877101.22% 0.18% 94.42%$402,922,570 82,872BAYSTATE HLTH GRP475669 42,63788.87% 0.17% 94.59%$380,150,669 88,407SCOTT & WHITE GRP60070 50,88786.27% 0.16% 94.75%$370,703,513 75,346COMMUNITYCARE GRP348771 8,04185.56% 0.16% 94.91%$369,592,094 82,399HEALTH NET INC GRP62372 23,88088.03% 0.16% 95.07%$358,685,603 69,029GROUP HLTH COOP OF S CENTRAL WI9531173 34,89390.63% 0.16% 95.23%$345,563,805 82,350AVMED INC9526374 53,36382.40% 0.15% 95.38%$342,418,715 62,551RENOWN HLTH GRP479175 29,34589.55% 0.15% 95.53%$326,917,222 73,647NETWORK HLTH GRP267876 30,52483.32% 0.14% 95.67%$320,843,701 65,659AULTMAN HLTH FOUNDATION GRP480577 32,99087.82% 0.14% 95.81%$319,443,653 103,700SANFORD HLTH GRP124678 49,878114.65% 0.14% 95.95%$311,697,893 52,835WISCONSIN PHYSICIANS SERV INS GRP6879 24,67684.41% 0.13% 96.08%$300,761,339 59,831PRESBYTERIAN HLTHCARE SERV GRP48180 35,51577.04% 0.13% 96.21%$297,291,748 86,608NEIGHBORHOOD HLTH PLAN INC1110981 39,35395.62% 0.13% 96.34%$274,797,740 54,707GUNDERSEN LUTHERAN HLTH GRP475182 43,08993.57% 0.12% 96.46%$272,108,698 49,152HEALTHSPAN PARTNERS GRP483183 1,03191.76% 0.12% 96.58%$260,414,303 589,046DENTAQUEST GRP451284 3,72775.57% 0.11% 96.69%$243,824,219 694,402CORVESTA GRP472985 372,83380.28% 0.11% 96.79%$242,227,437 53,474UNIVERSITY HLTH ALLIANCE4795386 36,76188.56% 0.10% 96.90%$231,311,940 51,119BCBS OF WY5376787 26,74386.41% 0.10% 97.00%$220,306,342 50,722PHYSICIANS PLUS INS CORP9534188 24,42590.92% 0.10% 97.10%$211,847,303 39,219ADVANTAGE HLTH SOLUTIONS INC5256889 19,617101.36% 0.09% 97.19%$203,261,639 41,862PHYSICIANS HLTH PLAN OF MID MI GRP340890 19,04889.20% 0.09% 97.27%$203,199,195 584,947DELTA DENTAL OF WI GRP384991 261,62684.91% 0.09% 97.36%$202,156,292 33,647INDEPENDENT HLTH ASSN9530892 14,62985.33% 0.09% 97.45%$195,204,528 39,222SUMMA HLTH GRP325993 20,86890.27% 0.08% 97.53%$188,371,932 33,036ROCKY MOUNTAIN HLTH GRP118494 18,78384.67% 0.08% 97.62%$186,415,049 51,809FIRSTCARE GRP354995 29,55986.77% 0.08% 97.70%$184,381,418 1,833,900DELTA DENTAL PLAN OF MO GRP368096 893,29879.46% 0.08% 97.78%$180,168,303 42,495HAWAII MGMT ALLIANCE ASSN4833097 2,90477.56% 0.08% 97.85%$178,489,583 43,059PREFERREDONE GRP349298 24,70691.17% 0.08% 97.93%$177,044,567 36,890GLOBALHEALTH HOLDINGS GRP482199 20,00684.68% 0.08% 98.01%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share for Health

Grand Total for Group Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

$175,682,919 582,555GUARDIAN LIFE GRP429100 261,51365.54% 0.08% 98.08%$162,263,896 32,127PHP INDIANA GRP3828101 17,80379.50% 0.07% 98.15%$154,872,677 30,762VANGUARD HLTH VENTURES GRP1212102 16,99878.82% 0.07% 98.22%$145,048,362 416,061DELTA DENTAL OF OK53937103 00.00% 0.06% 98.28%$140,426,514 409,275DELTA DENTAL OF MN55034104 14,14974.06% 0.06% 98.35%$131,668,907 29,859BAPTIST HLTH PLAN INC95071105 093.04% 0.06% 98.40%$131,178,283 321,702DELTA DENTAL OF RI GRP1571106 5,99277.84% 0.06% 98.46%$130,625,509 306,568NORTHEAST DELTA DENTAL GRP4763107 149,49075.79% 0.06% 98.52%$130,473,417 438,056COLORADO DENTAL SERV INC55875108 273,25375.71% 0.06% 98.57%$129,740,653 31,022SAINT MARYS HLTH CARE CORP GRP2418109 18,65096.31% 0.06% 98.63%$126,054,667 31,104TOTAL HLTH GRP1238110 20,27574.74% 0.05% 98.68%$112,263,944 454,111DELTA DENTAL PLAN OF AR INC47155111 240,93076.24% 0.05% 98.73%$111,172,312 3,161AHF GRP4833112 299.71% 0.05% 98.78%$108,722,010 22,578SOUTH DAKOTA STATE MED HOLDING CO96598113 13,33485.97% 0.05% 98.83%$107,371,470 266,916WILLAMETTE DENTAL GRP3503114 119,03490.86% 0.05% 98.87%

$97,328,690 23,688COX INS GRP1203115 14,19191.54% 0.04% 98.92%$97,189,158 27,272VIVA HLTH INC95322116 13,95791.78% 0.04% 98.96%$94,480,813 17,519HEALTH TRADITION HLTH PLAN96628117 30986.21% 0.04% 99.00%$91,345,289 18,043HEALTH FIRST GRP4740118 10,99378.75% 0.04% 99.04%$88,548,307 22,196CATHOLIC HLTH INITIATIVES GRP4807119 1,10378.74% 0.04% 99.08%$87,648,547 35,063TAKECARE INS CO INC11093120 15,167106.63% 0.04% 99.11%$86,334,176 23,917HEALTHYCT INC15046121 13,799102.09% 0.04% 99.15%$83,814,372 17,818MEDICAL ASSOCIATES GRP4811122 7,88893.39% 0.04% 99.19%$80,384,236 15,380VANTAGE HLTH GRP4783123 8,15785.19% 0.03% 99.22%$78,483,664 252,201DELTA DENTAL OF KS GRP4638124 2,52078.99% 0.03% 99.26%$76,254,860 29,133MERCY HLTH CORP GRP3595125 21,57289.57% 0.03% 99.29%

$231,080,156,486 108,435,113GRAND TOTAL 40,632,53384.46% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share for Property/Casualty

Grand Total for Group Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

$763,440,316 91,685AMERICAN INTL GRP121 25,20960.44% 22.79% 22.79%$424,072,207 135,859FEDERATED MUT GRP72 78,59686.06% 12.66% 35.44%$341,183,429 0CHUBB LTD GRP6263 046.23% 10.18% 45.63%$267,067,320 203,944STATE FARM GRP1764 75,338102.31% 7.97% 53.60%$194,748,610 22,750,237CHUBB INC GRP385 9,26537.68% 5.81% 59.41%$172,448,620 6,653,087ZURICH INS GRP2126 6,610,03433.97% 5.15% 64.56%$168,393,276 226,459CNA INS GRP2187 226,351178.15% 5.03% 69.59%$147,743,503 1,630,267BCS INS GRP238 1,597,82743.60% 4.41% 74.00%$139,014,047 827,226FAIRFAX FIN GRP1589 20,71051.89% 4.15% 78.15%$127,468,561 550WHITE MOUNTAINS GRP112910 55046.09% 3.80% 81.95%$126,045,212 47,929TOKIO MARINE HOLDINGS INC GRP309811 1,26680.62% 3.76% 85.71%

$79,571,490 46,833,113AMEX ASSUR CO2792812 31,638,2506.99% 2.38% 88.09%$59,435,414 679,068ARCH INS GRP127913 365,38769.58% 1.77% 89.86%$47,404,004 37,098AMERICAN FINANCIAL GRP8414 1,36134.72% 1.41% 91.28%$44,007,225 2,707,832AXIS CAPITAL GRP341615 8,86540.99% 1.31% 92.59%$41,529,103 14,611CHEROKEE INS CO1064216 12991.77% 1.24% 93.83%$28,318,259 57,311GENEVE HOLDINGS INC GRP45017 52,89565.08% 0.85% 94.67%$27,772,299 2,860,652MARKEL CORP GRP78518 17,94230.53% 0.83% 95.50%$24,908,873 13,272ISLAND HOME INS CO3165819 72773.71% 0.74% 96.25%$14,824,090 20,939BEAZLEY INS CO INC3754020 9,12256.25% 0.44% 96.69%$14,583,223 4,679,488STARR GRP467021 25,20122.36% 0.44% 97.12%$14,443,847 271,385XL AMER GRP128522 238,87342.43% 0.43% 97.56%$11,776,992 432,838ALLIANZ INS GRP76123 261,96833.18% 0.35% 97.91%$11,737,615 154,707NATIONWIDE CORP GRP14024 154,70642.53% 0.35% 98.26%$10,666,219 313,418AEGIS GRP31325 3,88842.00% 0.32% 98.58%

$8,677,129 0BALDWIN & LYONS GRP86726 027.93% 0.26% 98.83%$7,317,728 171,455SENTRY INS GRP16927 171,455184.40% 0.22% 99.05%$7,103,591 21,278HALLMARK FIN SERV GRP347828 57226.89% 0.21% 99.27%$3,474,311 1,608MUNICH RE GRP36129 1,277(23.50)% 0.10% 99.37%$3,443,021 0TENNESSEE FARMERS GRP69430 1,499,05813.07% 0.10% 99.47%$3,271,302 362,529WR BERKLEY CORP GRP9831 36060.61% 0.10% 99.57%$3,060,261 675UPMC HLTH SYSTEM GRP132432 67585.92% 0.09% 99.66%$2,211,841 0NATIONAL INS CO OF WI INS3015533 015.89% 0.07% 99.73%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share for Property/Casualty

Grand Total for Group Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

$1,383,889 0INTEGRAND ASSUR CO2677834 034.17% 0.04% 99.77%$1,212,534 5,552AMTRUST NGH GRP253835 4,80037.18% 0.04% 99.80%$1,101,474 5,874LIBERTY MUT GRP11136 570.74% 0.03% 99.84%$1,043,429 9,570BERKSHIRE HATHAWAY GRP3137 5,6848.89% 0.03% 99.87%

$757,413 880,647TEXAS FARM BUREAU MUT GRP80938 465,21849.64% 0.02% 99.89%$554,122 0CSAA INS GRP127839 015.53% 0.02% 100.00%$537,774 1,258RETAILERS INS CO1247140 21278.77% 0.02% 100.00%$498,459 5,164ASSURANT INC GRP1941 5,164(0.27)% 0.01% 100.00%$380,867 60,808ALLEGHANY GRP50142 394(9.97)% 0.01% 100.00%$318,662 2,173CLUB INS CO1097443 2,1734.41% 0.01% 100.00%$276,981 1,071FARMERS INS GRP6944 2538.08% 0.01% 100.00%$274,821 0HARTFORD FIRE & CAS GRP9145 1,374189.39% 0.01% 100.00%$247,904 0AUTOMOBILE CLUB MI GRP5546 0(10.16)% 0.01% 100.00%$162,611 3,008KERNAN GRP338447 6152.65% 0.00% 100.00%$147,850 0MAPFRE INS GRP41148 076.88% 0.00% 100.00%$143,789 161AEGON US HOLDING GRP46849 15543.44% 0.00% 100.00%

$44,140 0OKLAHOMA FARM BUREAU GRP22050 151.65% 0.00% 100.00%$31,592 3GRANGE MUT CAS GRP26751 3(2,288.79)% 0.00% 100.00%$30,064 0UNDERWRITERS AT LLOYD'S LONDON1564252 00.00% 0.00% 100.00%$16,590 22DAILY UNDERWRITERS OF AMER3548353 22(0.85)% 0.00% 100.00%

$9,177 2THE HANOVER INS GRP8854 2548.85% 0.00% 100.00%$1,660 0UNDERWRITERS AT LLOYDS3272755 047.53% 0.00% 100.00%$1,277 36AMERIPRISE FIN GRP456 180.00% 0.00% 100.00%

$200 0AMALGAMATED CAS INS CO1329357 20.00% 0.00% 100.00%

$3,350,324,483 93,175,875GRAND TOTAL 43,583,12165.76% 100.00%

© 2016 National Association of Insurance Commissioners 164

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share for Fraternal

Grand Total for Group Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

$0 0WOODMEN WORLD LIFE INS SOC573201 0N/A

$0 0GRAND TOTAL 0N/A 100.00%

© 2016 National Association of Insurance Commissioners 165

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Market Share by Line of Business

Group Business

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Small Employer Comprehensive Major Medical

$10,799,004,814 2,161,810UNITEDHEALTH GRP7071 1,169,18274.84% 17.61% 17.61%$6,196,624,041 1,224,351HCSC GRP9172 712,29481.98% 10.10% 27.71%$5,135,441,675 1,144,343AETNA GRP13 661,80982.27% 8.37% 36.08%$4,672,714,296 851,366ANTHEM INC GRP6714 473,77074.29% 7.62% 43.70%$2,358,783,566 864,933HUMANA GRP1195 513,34978.47% 3.85% 47.55%$1,866,653,243 335,358INDEPENDENCE HLTH GRP INC GRP9366 184,18180.36% 3.04% 50.59%$1,610,804,307 386,885CAREFIRST INC GRP3807 212,20870.46% 2.63% 53.22%$1,431,184,989 238,470BCBS OF NJ GRP12028 127,86077.39% 2.33% 55.55%$1,239,979,654 247,722BCBS OF MI GRP5729 120,32172.12% 2.02% 57.57%$1,215,182,848 231,445GUIDEWELL MUT HOLDING GRP53610 142,66369.66% 1.98% 59.55%$1,139,197,463 236,526BCBS OF AL GRP57011 127,53288.42% 1.86% 61.41%$1,125,902,541 206,552HIGHMARK GRP81212 108,95380.97% 1.84% 63.25%$1,086,538,487 200,097BCBS OF MA GRP363713 96,95581.01% 1.77% 65.02%

$954,294,199 201,290HARVARD PILGRIM HLTH CARE GRP59514 101,54189.96% 1.56% 66.57%$908,404,438 0BLUE SHIELD OF CA GRP279815 073.19% 1.48% 68.06%$902,113,121 224,232LOUISIANA HLTH SERV GRP43816 131,87784.06% 1.47% 69.53%$876,710,971 160,717BCBS OF NC INC5463117 102,55679.62% 1.43% 70.96%$838,626,514 191,871BCBS OF TN GRP349818 105,46574.45% 1.37% 72.32%$809,758,420 165,766HEALTH NET INC GRP62319 82,43984.53% 1.32% 73.64%$790,351,917 176,763LIFETIME HLTHCARE GRP118620 94,32892.86% 1.29% 74.93%$712,207,034 155,021KAISER FOUNDATION GRP60121 102,20481.11% 1.16% 76.09%$664,244,099 162,425WELLMARK INC GRP77022 82,98283.56% 1.08% 77.18%$628,299,414 120,842CAMBIA HEALTH SOLUTIONS INC120723 66,75972.21% 1.02% 78.20%$548,851,928 103,194BCBS OF MN GRP46124 59,21080.26% 0.89% 79.10%$529,325,000 123,424HEALTHPARTNERS GRP125825 65,63887.23% 0.86% 79.96%$525,020,811 102,190MEDICAL MUT OF OH GRP73026 52,02376.41% 0.86% 80.81%$480,142,141 102,491CAPITAL BLUE CROSS GRP123027 63,61879.41% 0.78% 81.60%$466,887,740 100,849BCBS OF SC GRP66128 68,58874.31% 0.76% 82.36%$424,690,713 86,890EMBLEM HLTH GRP112729 51,86680.30% 0.69% 83.05%$416,947,119 99,946PREMERA BLUE CROSS GRP96230 63,92679.47% 0.68% 83.73%$404,389,343 72,582CDPHP INC GRP470831 40,01191.26% 0.66% 84.39%$392,765,363 88,785SPECTRUM HLTH GRP338332 40,30278.45% 0.64% 85.03%$386,198,641 136,301IHC INC GRP88033 52,517104.77% 0.63% 85.66%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Small Employer Comprehensive Major Medical

$371,935,959 108,308BCBS OF KS GRP43034 52,64098.08% 0.61% 86.27%$367,569,196 89,267FEDERATED MUT GRP735 52,55988.04% 0.60% 86.87%$358,101,135 87,329ARKANSAS BCBS GRP87636 52,04178.96% 0.58% 87.45%$325,139,585 55,891TUFTS GRP474237 25,95481.06% 0.53% 87.98%$306,443,710 72,710MISSISSIPPI INS GRP112638 45,84782.20% 0.50% 88.48%$294,545,806 47,620BCBS OF RI5347339 24,87976.61% 0.48% 88.96%$270,507,769 55,753NORIDIAN MUT INS CO5589140 28,71179.57% 0.44% 89.40%$266,108,284 127,926MEDICAL CARD SYSTEM INC GRP130141 56,39484.88% 0.43% 89.84%$235,293,134 56,404HEALTH NOW NY INC5520442 30,41283.10% 0.38% 90.22%$214,898,808 42,762BCBS OF KC GRP53743 24,98175.25% 0.35% 90.57%$213,029,190 54,591MVP GRP119844 29,45089.84% 0.35% 90.92%$195,514,919 48,099BCBS OF AZ INC5358945 26,60273.39% 0.32% 91.24%$190,552,488 42,679AULTMAN HLTH FOUNDATION GRP480546 12,32776.47% 0.31% 91.55%$189,045,792 33,469GEISINGER INS GRP114347 20,21590.66% 0.31% 91.85%$187,290,010 34,020SENTARA HLTH MGMT GRP118348 19,18376.91% 0.31% 92.16%$176,912,989 35,911BCBS OF VT GRP474549 20,01892.46% 0.29% 92.45%$174,300,719 58,120NEIGHBORHOOD HLTH PLAN INC1110950 26,620102.87% 0.28% 92.73%$172,147,853 42,506AVMED INC9526351 28,93977.81% 0.28% 93.01%$161,923,368 31,509HENRY FORD HLTH SYSTEM GRP131152 15,39877.91% 0.26% 93.28%$161,320,763 31,148INDEPENDENT HLTH BENEFITS CORP4703453 16,36580.30% 0.26% 93.54%$151,363,583 39,900BLUE CROSS OF ID GRP129054 20,91583.86% 0.25% 93.79%$149,964,713 29,835SUMMA HLTH GRP325955 16,47991.69% 0.24% 94.03%$149,622,214 32,046PACIFICSOURCE HLTH PLAN GRP470456 21,76386.29% 0.24% 94.28%$146,217,517 28,105MEDICA GRP155257 16,42790.58% 0.24% 94.51%$137,377,649 30,151PROVIDENCE HLTH GRP478858 18,74283.07% 0.22% 94.74%$134,775,082 29,921BCBS OF NE7778059 15,48981.75% 0.22% 94.96%$127,700,750 22,231FALLON GRP474160 12,319100.52% 0.21% 95.17%$124,831,978 40,414TOKIO MARINE HOLDINGS INC GRP309861 42180.80% 0.20% 95.37%$123,690,218 20,570ROCKY MOUNTAIN HLTH GRP118462 12,00783.09% 0.20% 95.57%$112,176,827 38,807TRIPLE S GRP480263 19,16781.41% 0.18% 95.75%$109,324,161 21,071PHP INDIANA GRP382864 11,71178.56% 0.18% 95.93%$103,683,311 22,787OREGON DENTAL GRP131365 14,75395.11% 0.17% 96.10%

$98,951,116 16,804WISCONSIN PHYSICIANS SERV INS GRP6866 8,33780.80% 0.16% 96.26%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Small Employer Comprehensive Major Medical

$93,977,091 13,064ASSURANT INC GRP1967 7,86486.59% 0.15% 96.42%$88,620,393 23,681UNIVERSITY HLTH ALLIANCE4795368 16,60182.26% 0.14% 96.56%$87,714,970 16,466BCBS OF WY5376769 9,53982.79% 0.14% 96.70%$85,077,127 17,776CARLE HOLDING CO GRP119270 10,97085.99% 0.14% 96.84%$84,929,003 16,987PRESBYTERIAN HLTHCARE SERV GRP48171 13,57674.14% 0.14% 96.98%$79,161,710 17,939PREFERREDONE GRP349272 10,22788.30% 0.13% 97.11%$78,821,577 18,177COMMUNITYCARE GRP348773 5,06990.81% 0.13% 97.24%$76,973,556 15,283GROUP HLTH COOP GRP118574 11,20069.13% 0.13% 97.36%$74,357,827 22,111SCOTT & WHITE GRP60075 13,83592.88% 0.12% 97.48%$72,292,303 16,985HAWAII MGMT ALLIANCE ASSN4833076 2,60775.40% 0.12% 97.60%$71,183,592 13,239UNITY HLTH PLANS INS CORP9579677 6,81394.10% 0.12% 97.72%$57,967,094 10,651SECURITY HLTH PLAN OF WI INC9688178 5,19991.15% 0.09% 97.81%$57,097,478 13,625CATHOLIC HLTH INITIATIVES GRP480779 84483.45% 0.09% 97.91%$55,453,491 11,745SOUTH DAKOTA STATE MED HOLDING CO9659880 7,30191.57% 0.09% 98.00%$52,950,466 10,968DEAN HLTH GRP129481 5,04588.46% 0.09% 98.08%$52,127,148 10,110GROUP HLTH COOP OF S CENTRAL WI9531182 5,73888.87% 0.08% 98.17%$50,136,749 13,295SAINT MARYS HLTH CARE CORP GRP241883 8,223102.40% 0.08% 98.25%$47,122,558 10,546VANGUARD HLTH VENTURES GRP121284 5,72480.68% 0.08% 98.33%$46,037,344 12,330NETWORK HLTH GRP267885 5,88083.19% 0.08% 98.40%$44,528,838 16,354PHYSICIANS PLUS INS CORP9534186 8,046133.56% 0.07% 98.47%$43,475,276 7,660PEKIN INS GRP15387 4,56886.19% 0.07% 98.54%$40,985,279 8,179HEALTH FIRST GRP474088 5,37676.03% 0.07% 98.61%$39,994,459 9,701SANFORD HLTH GRP124689 5,13897.05% 0.07% 98.68%$37,408,175 42,591NORTH SHORE LIJ HLTH CARE GRP479390 25,63370.82% 0.06% 98.74%$35,215,944 8,235TOTAL HLTH GRP123891 4,96667.24% 0.06% 98.80%$33,697,833 11,836NEW MEXICO HLTH CONNECTIONS1501192 1,00587.89% 0.05% 98.85%$31,849,410 8,184US HLTH & LIFE INS CO INC9777293 54674.89% 0.05% 98.90%$31,543,491 6,967ALLIANT HLTH PLANS INC1125694 3,50589.57% 0.05% 98.95%$31,484,432 13,485MAINE COMM HLTH OPTIONS1507795 8,27872.05% 0.05% 99.00%$31,024,814 12,563HEALTHYCT INC1504696 7,19083.98% 0.05% 99.06%$30,147,643 6,128COORDINATED HLTH MUT INC1531497 3,687110.67% 0.05% 99.10%$29,952,466 6,842PHYSICIANS HLTH PLAN OF MID MI GRP340898 3,88487.77% 0.05% 99.15%$29,080,472 103,730HEALTH REPUBLIC INS CO1511499 68,571116.58% 0.05% 99.20%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Small Employer Comprehensive Major Medical

$28,209,107 8,155RENOWN HLTH GRP4791100 57476.49% 0.05% 99.25%$23,761,489 4,874BAPTIST HLTH PLAN INC95071101 079.66% 0.04% 99.29%$22,780,060 11,934LAND OF LINCOLN MUT HLTH INS CO15102102 985147.09% 0.04% 99.32%$22,606,943 7,270MEMORIAL HERMANN GRP4808103 4,633105.82% 0.04% 99.36%$22,281,321 7,502FIRSTCARE GRP3549104 3,63192.98% 0.04% 99.40%$21,230,684 4,001HEALTH PLAN GRP1297105 2,24484.95% 0.03% 99.43%$21,203,016 8,391HEALTHSPAN PARTNERS GRP4831106 726142.87% 0.03% 99.47%$19,699,241 5,506GUNDERSEN LUTHERAN HLTH GRP4751107 2,967116.65% 0.03% 99.50%$18,898,381 2,992ATHENS AREA HLTH PLAN SELECT INC95691108 1,81383.81% 0.03% 99.53%$18,700,969 5,629ADVANTAGE HLTH SOLUTIONS INC52568109 3,17585.54% 0.03% 99.56%$18,611,101 4,428MEDICAL ASSOCIATES GRP4811110 2,01896.12% 0.03% 99.59%$18,392,469 4,573AVERA HLTH PLANS INC95839111 32897.58% 0.03% 99.62%$14,673,870 2,177HEALTHPLUS OF MI GRP3409112 1,09991.09% 0.02% 99.64%$13,863,536 2,444FIRSTCAROLINACARE INS CO INC12962113 1,67781.26% 0.02% 99.67%$13,512,793 1,950NIPPON LIFE INS CO OF AMER81264114 1,08188.95% 0.02% 99.69%$12,864,048 2,616HEALTH TRADITION HLTH PLAN96628115 22085.77% 0.02% 99.71%$12,476,852 8,373LIBERTY UNION LIFE ASSUR CO66753116 3,949110.84% 0.02% 99.73%$11,683,365 6,581ISLAND HOME INS CO31658117 56271.39% 0.02% 99.75%$11,621,537 2,770COX INS GRP1203118 1,73792.08% 0.02% 99.77%$10,661,693 2,174WMI MUT INS CO68420119 1,12553.59% 0.02% 99.78%$10,452,320 3,419TAKECARE INS CO INC11093120 1,65792.21% 0.02% 99.80%$10,434,373 4,141OREGONS HLTH COOP15095121 4,14181.07% 0.02% 99.82%$10,142,061 3,480NETCARE LIFE & HLTH INS CO60246122 16075.99% 0.02% 99.83%

$9,094,045 2,190MERCY HLTH CORP GRP3595123 1,13499.59% 0.01% 99.85%$8,464,308 2,085AMTRUST NGH GRP2538124 999116.97% 0.01% 99.86%$8,417,118 2,537COMMON GROUND HLTHCARE COOP15061125 29481.84% 0.01% 99.88%

$61,333,023,278 13,125,654GRAND TOTAL 7,234,75079.71% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Other Employer Comprehensive Major Medical

$19,534,565,391 4,170,332UNITEDHEALTH GRP7071 2,275,75578.24% 15.70% 15.70%$12,282,440,474 2,475,326AETNA GRP12 1,293,41282.24% 9.87% 25.57%$10,130,503,810 2,347,597ANTHEM INC GRP6713 1,280,49980.74% 8.14% 33.71%

$8,989,898,418 1,827,469HCSC GRP9174 946,13184.82% 7.22% 40.94%$6,604,390,156 2,095,139CIGNA HLTH GRP9015 44,22780.14% 5.31% 46.24%$5,626,596,236 1,162,216KAISER FOUNDATION GRP6016 606,46985.33% 4.52% 50.77%$4,169,704,612 874,687BCBS OF MI GRP5727 380,97682.11% 3.35% 54.12%$3,170,626,735 574,723BCBS OF MA GRP36378 264,73884.95% 2.55% 56.67%$2,939,650,158 641,251GUIDEWELL MUT HOLDING GRP5369 395,48180.87% 2.36% 59.03%$2,864,496,839 415,580BCBS OF NJ GRP120210 161,68386.24% 2.30% 61.33%$2,554,696,714 464,383LIFETIME HLTHCARE GRP118611 225,01882.12% 2.05% 63.38%$2,294,846,757 377,908EMBLEM HLTH GRP112712 182,87487.46% 1.84% 65.23%$2,240,448,522 407,713HIGHMARK GRP81213 223,74087.14% 1.80% 67.03%$2,005,719,367 529,133HUMANA GRP11914 311,51282.75% 1.61% 68.64%$1,891,854,232 324,237INDEPENDENCE HLTH GRP INC GRP93615 164,33580.17% 1.52% 70.16%$1,725,915,356 331,496CAREFIRST INC GRP38016 182,01674.97% 1.39% 71.55%$1,447,352,085 299,250CAMBIA HEALTH SOLUTIONS INC120717 158,35779.56% 1.16% 72.71%$1,420,317,783 266,252GROUP HLTH COOP GRP118518 151,96082.19% 1.14% 73.85%$1,418,502,358 251,777HARVARD PILGRIM HLTH CARE GRP59519 124,47985.24% 1.14% 74.99%$1,309,920,178 331,185BCBS OF AL GRP57020 169,66792.60% 1.05% 76.05%$1,112,333,367 227,920HEALTH NOW NY INC5520421 112,23283.40% 0.89% 76.94%$1,085,339,527 246,745WELLMARK INC GRP77022 127,77086.92% 0.87% 77.81%$1,049,658,923 248,868BCBS OF TN GRP349823 134,37881.52% 0.84% 78.66%$1,000,786,309 195,272HENRY FORD HLTH SYSTEM GRP131124 82,35589.19% 0.80% 79.46%

$979,476,000 332,731HEALTHPARTNERS GRP125825 159,91284.96% 0.79% 80.25%$943,426,259 254,694BCBS OF SC GRP66126 146,26781.93% 0.76% 81.00%$921,077,332 161,563TUFTS GRP474227 76,52284.12% 0.74% 81.75%$858,961,091 192,767SPECTRUM HLTH GRP338328 80,47386.21% 0.69% 82.44%$807,909,381 121,443CARLE HOLDING CO GRP119229 61,60188.70% 0.65% 83.08%$767,872,676 148,088DEAN HLTH GRP129430 68,11182.36% 0.62% 83.70%$759,420,812 151,839MEDICA GRP155231 78,97985.16% 0.61% 84.31%$739,275,681 130,719CDPHP INC GRP470832 62,28883.79% 0.59% 84.91%$697,231,241 104,090LOUISIANA HLTH SERV GRP43833 59,62885.96% 0.56% 85.47%

© 2016 National Association of Insurance Commissioners 173

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Other Employer Comprehensive Major Medical

$679,943,148 179,962IHC INC GRP88034 69,92785.66% 0.55% 86.01%$654,898,298 129,713PREMERA BLUE CROSS GRP96235 75,37980.19% 0.53% 86.54%$651,193,314 129,018UNITY HLTH PLANS INS CORP9579636 56,53589.41% 0.52% 87.06%$625,033,564 149,145BCBS OF KC GRP53737 83,09883.55% 0.50% 87.57%$551,332,091 94,621MVP GRP119838 46,92181.79% 0.44% 88.01%$507,688,338 92,285BCBS OF KS GRP43039 54,70187.59% 0.41% 88.42%$507,379,044 97,346BCBS OF MN GRP46140 52,90878.05% 0.41% 88.82%$505,224,662 110,920BCBS OF AZ INC5358941 64,32682.19% 0.41% 89.23%$505,052,158 99,269BLUE CROSS OF ID GRP129042 45,98392.68% 0.41% 89.64%$478,089,535 92,957PROVIDENCE HLTH GRP478843 60,17694.07% 0.38% 90.02%$462,603,417 84,474BCBS OF RI5347344 41,93881.24% 0.37% 90.39%$429,728,255 184,691TRIPLE S GRP480245 53,24980.41% 0.35% 90.74%$416,577,401 105,901ARKANSAS BCBS GRP87646 60,25988.11% 0.33% 91.07%$402,922,570 82,872BAYSTATE HLTH GRP475647 42,63788.87% 0.32% 91.40%$398,839,391 102,197MISSISSIPPI INS GRP112648 66,37282.73% 0.32% 91.72%$384,770,586 70,592HEALTH NET INC GRP62349 27,28785.10% 0.31% 92.03%$353,843,247 60,351SECURITY HLTH PLAN OF WI INC9688150 24,678102.87% 0.28% 92.31%$351,856,184 41,686NORIDIAN MUT INS CO5589151 20,67586.24% 0.28% 92.59%$350,532,704 63,988FALLON GRP474152 29,24891.44% 0.28% 92.87%$340,598,089 73,926CAPITAL BLUE CROSS GRP123053 38,14778.77% 0.27% 93.15%$316,032,408 63,751GEISINGER INS GRP114354 35,71283.04% 0.25% 93.40%$301,763,426 65,371SCOTT & WHITE GRP60055 36,64584.97% 0.24% 93.64%$295,552,110 62,748SENTARA HLTH MGMT GRP118356 38,87685.53% 0.24% 93.88%$291,881,936 57,169COMMUNITYCARE GRP348757 2,97284.14% 0.23% 94.12%$285,775,243 61,794BCBS OF NE7778058 36,03278.93% 0.23% 94.35%$280,879,878 61,317NETWORK HLTH GRP267859 24,64483.34% 0.23% 94.57%$279,375,261 65,484PACIFICSOURCE HLTH PLAN GRP470460 48,20377.26% 0.22% 94.80%$275,372,484 54,005GROUP HLTH COOP OF S CENTRAL WI9531161 26,72489.80% 0.22% 95.02%$274,518,572 91,937SANFORD HLTH GRP124662 42,759117.69% 0.22% 95.24%$265,970,990 56,152INDEPENDENT HLTH BENEFITS CORP4703463 28,29079.76% 0.21% 95.45%$263,269,663 46,486HEALTHPLUS OF MI GRP340964 23,84189.18% 0.21% 95.66%$262,782,130 45,025STATE FARM GRP17665 16,181102.69% 0.21% 95.88%$247,002,161 39,911MEDICAL MUT OF OH GRP73066 19,30680.91% 0.20% 96.07%

© 2016 National Association of Insurance Commissioners 174

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Other Employer Comprehensive Major Medical

$214,013,105 34,831HEALTHSPAN PARTNERS GRP483167 30485.02% 0.17% 96.25%$198,204,506 32,780INDEPENDENT HLTH ASSN9530868 14,12485.45% 0.16% 96.41%$193,146,334 33,590ADVANTAGE HLTH SOLUTIONS INC5256869 16,442102.89% 0.16% 96.56%$179,744,235 32,259WISCONSIN PHYSICIANS SERV INS GRP6870 14,47286.91% 0.14% 96.70%$175,711,360 34,362PHYSICIANS PLUS INS CORP9534171 16,37480.13% 0.14% 96.85%$173,309,173 35,020PHYSICIANS HLTH PLAN OF MID MI GRP340872 15,16489.45% 0.14% 96.99%$169,627,715 35,401GLOBALHEALTH HOLDINGS GRP482173 19,32684.69% 0.14% 97.12%$168,061,341 31,254NIPPON LIFE INS CO OF AMER8126474 16,12382.69% 0.14% 97.26%$154,704,316 33,732PRESBYTERIAN HLTHCARE SERV GRP48175 17,47175.13% 0.12% 97.38%$154,499,379 28,498BCBS OF VT GRP474576 14,21289.21% 0.12% 97.51%$152,633,072 36,370AVMED INC9526377 22,79686.69% 0.12% 97.63%$150,471,603 35,444HEALTH PLAN GRP129778 16,529100.63% 0.12% 97.75%$147,991,184 25,567RENOWN HLTH GRP479179 8883.19% 0.12% 97.87%$135,802,374 36,163FIRSTCARE GRP354980 21,58684.46% 0.11% 97.98%$122,991,029 28,488NEIGHBORHOOD HLTH PLAN INC1110981 12,73385.34% 0.10% 98.08%$107,907,418 24,985BAPTIST HLTH PLAN INC9507182 095.98% 0.09% 98.16%$104,022,377 29,793UNIVERSITY HLTH ALLIANCE4795383 20,16088.90% 0.08% 98.25%

$99,327,873 25,120PREFERREDONE GRP349284 14,47993.46% 0.08% 98.33%$94,696,000 25,100HAWAII MGMT ALLIANCE ASSN4833085 27884.95% 0.08% 98.40%$92,406,492 16,638GUNDERSEN LUTHERAN HLTH GRP475186 7,55991.37% 0.07% 98.48%$90,838,723 22,869TOTAL HLTH GRP123887 15,30977.64% 0.07% 98.55%$90,248,145 24,518VIVA HLTH INC9532288 12,31688.86% 0.07% 98.62%$87,031,185 18,559VANGUARD HLTH VENTURES GRP121289 9,61779.00% 0.07% 98.69%$85,707,153 20,918COX INS GRP120390 12,45491.47% 0.07% 98.76%$81,815,585 10,656BLUE SHIELD OF CA GRP279891 6,10575.55% 0.07% 98.83%$81,616,765 14,903HEALTH TRADITION HLTH PLAN9662892 8986.28% 0.07% 98.89%$79,603,904 17,727SAINT MARYS HLTH CARE CORP GRP241893 10,42792.47% 0.06% 98.96%$77,196,227 31,644TAKECARE INS CO INC1109394 13,510108.58% 0.06% 99.02%$73,608,458 14,132VANTAGE HLTH GRP478395 7,39485.85% 0.06% 99.08%$65,203,271 13,390MEDICAL ASSOCIATES GRP481196 5,87092.61% 0.05% 99.13%$64,681,714 12,466ROCKY MOUNTAIN HLTH GRP118497 6,77687.70% 0.05% 99.18%$55,309,362 11,354HEALTHYCT INC1504698 6,609112.25% 0.04% 99.23%$53,268,519 10,833SOUTH DAKOTA STATE MED HOLDING CO9659899 6,03380.15% 0.04% 99.27%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Other Employer Comprehensive Major Medical

$51,214,036 10,846PHP INDIANA GRP3828100 5,99181.62% 0.04% 99.31%$48,941,580 11,817DENVER HLTH MEDICAL PLAN INC95750101 088.84% 0.04% 99.35%$47,637,694 10,413FEDERATED MUT GRP7102 5,83473.95% 0.04% 99.39%$47,537,540 11,555AVERA HLTH PLANS INC95839103 17494.11% 0.04% 99.43%$46,883,699 16,533METROPOLITAN GRP241104 20661.26% 0.04% 99.46%$44,838,794 9,444FIRSTCAROLINACARE INS CO INC12962105 6,23786.49% 0.04% 99.50%$44,557,210 8,418SUMMA HLTH GRP3259106 3,42085.44% 0.04% 99.54%$43,017,262 7,233BCBS OF WY53767107 3,31182.86% 0.03% 99.57%$38,071,940 10,896MERCY HLTH CORP GRP3595108 4,56392.56% 0.03% 99.60%$36,020,292 10,564VANGUARD HLTH GRP4759109 10,56475.64% 0.03% 99.63%$35,911,324 6,579ALLIANT HLTH PLANS INC11256110 3,45793.69% 0.03% 99.66%$33,562,161 4,941AMERICAN NATL FIN GRP408111 4,08783.79% 0.03% 99.69%$31,642,689 4,674GROUP HLTH COOP OF EAU CLAIRE95192112 1,97488.16% 0.03% 99.71%$30,046,298 7,283MEMORIAL HERMANN GRP4808113 5,16775.65% 0.02% 99.73%$29,229,992 8,089CATHOLIC HLTH INITIATIVES GRP4807114 4869.03% 0.02% 99.76%$28,279,086 6,706ASSURITY LIFE INS CO71439115 2,93874.04% 0.02% 99.78%$27,414,723 2,327GENEVE HOLDINGS INC GRP450116 2,09995.28% 0.02% 99.80%$26,595,807 6,207PIEDMONT COMM HLTH GRP4845117 3681.87% 0.02% 99.82%$26,461,834 6,466AMTRUST NGH GRP2538118 3,209114.82% 0.02% 99.85%$22,832,208 5,085COMMUNITY FIRST GRP2738119 2,74180.83% 0.02% 99.86%$21,249,435 3,591WINHEALTH PARTNERS95401120 1,61385.96% 0.02% 99.88%$14,518,964 3,711GRAND VALLEY HLTH PLAN INC95453121 1,860104.41% 0.01% 99.89%$11,978,836 2,553PIEDMONT WELLSTAR HLTH PLANS INC15009122 1,28581.58% 0.01% 100.00%$10,799,237 3,382NORTH SHORE LIJ HLTH CARE GRP4793123 2,59744.56% 0.01% 100.00%$10,141,849 3,026LAND OF LINCOLN MUT HLTH INS CO15102124 44101.34% 0.01% 100.00%

$9,824,217 382BENEFICIAL LIFE GRP615125 15996.81% 0.01% 100.00%

$124,428,710,488 26,557,918GRAND TOTAL 12,647,92982.86% 100.00%

© 2016 National Association of Insurance Commissioners 176

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Single Employer Subtotal

$30,333,570,205 6,332,142UNITEDHEALTH GRP7071 3,444,93777.03% 16.33% 16.33%$17,417,882,149 3,619,669AETNA GRP12 1,955,22182.25% 9.38% 25.71%$15,186,522,459 3,051,820HCSC GRP9173 1,658,42583.66% 8.18% 33.88%$14,803,218,106 3,198,963ANTHEM INC GRP6714 1,754,26978.70% 7.97% 41.85%

$6,610,572,958 2,095,912CIGNA HLTH GRP9015 44,41180.13% 3.56% 45.41%$6,338,803,270 1,317,237KAISER FOUNDATION GRP6016 708,67384.85% 3.41% 48.82%$5,409,684,266 1,122,409BCBS OF MI GRP5727 501,29779.82% 2.91% 51.73%$4,364,502,933 1,394,066HUMANA GRP1198 824,86180.44% 2.35% 54.08%$4,295,681,828 654,050BCBS OF NJ GRP12029 289,54383.29% 2.31% 56.40%$4,257,165,222 774,820BCBS OF MA GRP363710 361,69383.94% 2.29% 58.69%$4,154,833,006 872,696GUIDEWELL MUT HOLDING GRP53611 538,14477.59% 2.24% 60.92%$3,758,507,475 659,595INDEPENDENCE HLTH GRP INC GRP93612 348,51680.26% 2.02% 62.95%$3,366,351,063 614,265HIGHMARK GRP81213 332,69385.07% 1.81% 64.76%$3,345,048,631 641,146LIFETIME HLTHCARE GRP118614 319,34684.66% 1.80% 66.56%$3,336,719,663 718,381CAREFIRST INC GRP38015 394,22472.79% 1.80% 68.36%$2,719,537,470 464,798EMBLEM HLTH GRP112716 234,74086.34% 1.46% 69.82%$2,449,117,641 567,711BCBS OF AL GRP57017 297,19990.66% 1.32% 71.14%$2,372,796,557 453,067HARVARD PILGRIM HLTH CARE GRP59518 226,02087.14% 1.28% 72.42%$2,075,651,499 420,092CAMBIA HEALTH SOLUTIONS INC120719 225,11677.34% 1.12% 73.53%$1,888,285,437 440,739BCBS OF TN GRP349820 239,84378.38% 1.02% 74.55%$1,749,583,626 409,170WELLMARK INC GRP77021 210,75285.65% 0.94% 75.49%$1,599,344,362 328,322LOUISIANA HLTH SERV GRP43822 191,50584.89% 0.86% 76.35%$1,508,801,000 456,155HEALTHPARTNERS GRP125823 225,55085.75% 0.81% 77.16%$1,497,291,339 281,535GROUP HLTH COOP GRP118524 163,16081.52% 0.81% 77.97%$1,410,313,999 355,543BCBS OF SC GRP66125 214,85579.41% 0.76% 78.73%$1,347,626,501 284,324HEALTH NOW NY INC5520426 142,64483.35% 0.73% 79.46%$1,251,726,454 281,552SPECTRUM HLTH GRP338327 120,77583.78% 0.67% 80.13%$1,246,216,917 217,454TUFTS GRP474228 102,47683.32% 0.67% 80.80%$1,194,529,006 236,358HEALTH NET INC GRP62329 109,72684.71% 0.64% 81.44%$1,162,709,677 226,781HENRY FORD HLTH SYSTEM GRP131130 97,75387.62% 0.63% 82.07%$1,143,665,024 203,301CDPHP INC GRP470831 102,29986.43% 0.62% 82.68%$1,071,845,417 229,659PREMERA BLUE CROSS GRP96232 139,30579.91% 0.58% 83.26%$1,066,141,789 316,263IHC INC GRP88033 122,44492.58% 0.57% 83.84%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Single Employer Subtotal

$1,056,230,972 200,540BCBS OF MN GRP46134 112,11879.20% 0.57% 84.40%$990,220,023 10,656BLUE SHIELD OF CA GRP279835 6,10573.38% 0.53% 84.94%$905,638,329 179,944MEDICA GRP155236 95,40686.04% 0.49% 85.42%$892,986,508 139,219CARLE HOLDING CO GRP119237 72,57188.44% 0.48% 85.91%$879,624,297 200,593BCBS OF KS GRP43038 107,34192.03% 0.47% 86.38%$876,710,971 160,717BCBS OF NC INC5463139 102,55679.62% 0.47% 86.85%$839,932,372 191,907BCBS OF KC GRP53740 108,07981.43% 0.45% 87.30%$820,823,142 159,056DEAN HLTH GRP129441 73,15682.76% 0.44% 87.74%$820,740,230 176,417CAPITAL BLUE CROSS GRP123042 101,76579.15% 0.44% 88.19%$774,678,536 193,230ARKANSAS BCBS GRP87643 112,30083.88% 0.42% 88.60%$772,022,972 142,101MEDICAL MUT OF OH GRP73044 71,32977.85% 0.42% 89.02%$764,361,281 149,212MVP GRP119845 76,37184.04% 0.41% 89.43%$757,149,223 132,094BCBS OF RI5347346 66,81779.44% 0.41% 89.84%$722,376,906 142,257UNITY HLTH PLANS INS CORP9579647 63,34889.87% 0.39% 90.23%$705,283,101 174,907MISSISSIPPI INS GRP112648 112,21982.50% 0.38% 90.61%$700,739,581 159,019BCBS OF AZ INC5358949 90,92879.74% 0.38% 90.98%$656,415,741 139,169BLUE CROSS OF ID GRP129050 66,89890.65% 0.35% 91.34%$622,363,953 97,439NORIDIAN MUT INS CO5589151 49,38683.34% 0.34% 91.67%$615,467,184 123,108PROVIDENCE HLTH GRP478852 78,91891.61% 0.33% 92.00%$541,905,082 223,498TRIPLE S GRP480253 72,41680.62% 0.29% 92.30%$505,078,200 97,220GEISINGER INS GRP114354 55,92785.89% 0.27% 92.57%$482,842,120 96,768SENTARA HLTH MGMT GRP118355 58,05982.19% 0.26% 92.83%$478,233,454 86,219FALLON GRP474156 41,56793.86% 0.26% 93.08%$428,997,475 97,530PACIFICSOURCE HLTH PLAN GRP470457 69,96680.41% 0.23% 93.32%$427,291,753 87,300INDEPENDENT HLTH BENEFITS CORP4703458 44,65579.97% 0.23% 93.55%$420,550,325 91,715BCBS OF NE7778059 51,52179.83% 0.23% 93.77%$415,206,890 99,680FEDERATED MUT GRP760 58,39386.42% 0.22% 94.00%$411,810,341 71,002SECURITY HLTH PLAN OF WI INC9688161 29,877101.22% 0.22% 94.22%$402,922,570 82,872BAYSTATE HLTH GRP475662 42,63788.87% 0.22% 94.43%$376,121,253 87,482SCOTT & WHITE GRP60063 50,48086.54% 0.20% 94.64%$370,703,513 75,346COMMUNITYCARE GRP348764 8,04185.56% 0.20% 94.84%$331,412,368 64,409BCBS OF VT GRP474565 34,23090.95% 0.18% 95.01%$327,499,632 64,115GROUP HLTH COOP OF S CENTRAL WI9531166 32,46289.65% 0.18% 95.19%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Single Employer Subtotal

$326,917,222 73,647NETWORK HLTH GRP267867 30,52483.32% 0.18% 95.37%$324,780,925 78,876AVMED INC9526368 51,73581.98% 0.17% 95.54%$314,513,030 101,638SANFORD HLTH GRP124669 47,897115.06% 0.17% 95.71%$297,291,748 86,608NEIGHBORHOOD HLTH PLAN INC1110970 39,35395.62% 0.16% 95.87%$278,695,351 49,063WISCONSIN PHYSICIANS SERV INS GRP6871 22,80984.74% 0.15% 96.02%$277,943,533 48,663HEALTHPLUS OF MI GRP340972 24,94089.28% 0.15% 96.17%$266,108,284 127,926MEDICAL CARD SYSTEM INC GRP130173 56,39484.88% 0.14% 96.31%$262,782,130 45,025STATE FARM GRP17674 16,181102.69% 0.14% 96.46%$239,633,319 50,719PRESBYTERIAN HLTHCARE SERV GRP48175 31,04774.78% 0.13% 96.58%$235,216,121 43,222HEALTHSPAN PARTNERS GRP483176 1,03090.24% 0.13% 96.71%$220,240,198 50,716PHYSICIANS PLUS INS CORP9534177 24,42090.93% 0.12% 96.83%$211,847,303 39,219ADVANTAGE HLTH SOLUTIONS INC5256878 19,617101.36% 0.11% 96.94%$203,261,639 41,862PHYSICIANS HLTH PLAN OF MID MI GRP340879 19,04889.20% 0.11% 97.05%$202,156,292 33,647INDEPENDENT HLTH ASSN9530880 14,62985.33% 0.11% 97.16%$194,521,923 38,253SUMMA HLTH GRP325981 19,89990.26% 0.10% 97.27%$192,642,770 53,474UNIVERSITY HLTH ALLIANCE4795382 36,76185.85% 0.10% 97.37%$190,552,488 42,679AULTMAN HLTH FOUNDATION GRP480583 12,32776.47% 0.10% 97.47%$188,371,932 33,036ROCKY MOUNTAIN HLTH GRP118484 18,78384.67% 0.10% 97.57%$181,574,134 33,204NIPPON LIFE INS CO OF AMER8126485 17,20483.15% 0.10% 97.67%$178,489,583 43,059PREFERREDONE GRP349286 24,70691.17% 0.10% 97.77%$176,200,291 33,722RENOWN HLTH GRP479187 66282.12% 0.09% 97.86%$171,702,287 39,445HEALTH PLAN GRP129788 18,77398.69% 0.09% 97.96%$169,925,234 35,447GLOBALHEALTH HOLDINGS GRP482189 19,35384.69% 0.09% 98.05%$166,988,303 42,085HAWAII MGMT ALLIANCE ASSN4833090 2,88580.81% 0.09% 98.14%$160,538,197 31,917PHP INDIANA GRP382891 17,70279.53% 0.09% 98.22%$158,083,695 43,665FIRSTCARE GRP354992 25,21785.66% 0.09% 98.31%$134,153,743 29,105VANGUARD HLTH VENTURES GRP121293 15,34179.59% 0.07% 98.38%$131,668,907 29,859BAPTIST HLTH PLAN INC9507194 093.04% 0.07% 98.45%$130,732,232 23,699BCBS OF WY5376795 12,85082.81% 0.07% 98.52%$129,740,653 31,022SAINT MARYS HLTH CARE CORP GRP241896 18,65096.31% 0.07% 98.59%$126,054,667 31,104TOTAL HLTH GRP123897 20,27574.74% 0.07% 98.66%$124,831,978 40,414TOKIO MARINE HOLDINGS INC GRP309898 42180.80% 0.07% 98.73%$112,105,733 22,144GUNDERSEN LUTHERAN HLTH GRP475199 10,52695.81% 0.06% 98.79%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Single Employer Subtotal

$108,722,010 22,578SOUTH DAKOTA STATE MED HOLDING CO96598100 13,33485.97% 0.06% 98.85%$103,683,311 22,787OREGON DENTAL GRP1313101 14,75395.11% 0.06% 98.90%

$97,328,690 23,688COX INS GRP1203102 14,19191.54% 0.05% 98.95%$97,189,158 27,272VIVA HLTH INC95322103 13,95791.78% 0.05% 99.01%$94,480,813 17,519HEALTH TRADITION HLTH PLAN96628104 30986.21% 0.05% 99.06%$93,977,091 13,064ASSURANT INC GRP19105 7,86486.59% 0.05% 99.11%$87,648,547 35,063TAKECARE INS CO INC11093106 15,167106.63% 0.05% 99.15%$86,334,176 23,917HEALTHYCT INC15046107 13,799102.09% 0.05% 99.20%$86,327,470 21,714CATHOLIC HLTH INITIATIVES GRP4807108 89278.57% 0.05% 99.25%$83,814,372 17,818MEDICAL ASSOCIATES GRP4811109 7,88893.39% 0.05% 99.29%$80,384,236 15,380VANTAGE HLTH GRP4783110 8,15785.19% 0.04% 99.34%$67,454,815 13,546ALLIANT HLTH PLANS INC11256111 6,96291.77% 0.04% 99.37%$65,930,009 16,128AVERA HLTH PLANS INC95839112 50295.07% 0.04% 99.41%$58,702,330 11,888FIRSTCAROLINACARE INS CO INC12962113 7,91485.25% 0.03% 99.44%$52,653,241 14,553MEMORIAL HERMANN GRP4808114 9,80088.60% 0.03% 99.47%$48,941,580 11,817DENVER HLTH MEDICAL PLAN INC95750115 088.84% 0.03% 99.49%$48,207,412 45,973NORTH SHORE LIJ HLTH CARE GRP4793116 28,23064.93% 0.03% 99.52%$47,165,985 13,086MERCY HLTH CORP GRP3595117 5,69793.92% 0.03% 99.55%$46,883,699 16,533METROPOLITAN GRP241118 20661.26% 0.03% 99.57%$43,475,276 7,660PEKIN INS GRP153119 4,56886.19% 0.02% 99.59%$41,211,753 14,421NEW MEXICO HLTH CONNECTIONS15011120 1,06083.39% 0.02% 99.62%$40,985,279 8,179HEALTH FIRST GRP4740121 5,37676.03% 0.02% 99.64%$39,734,076 11,488VANGUARD HLTH GRP4759122 11,48875.64% 0.02% 99.66%$35,023,794 8,902US HLTH & LIFE INS CO INC97772123 55375.70% 0.02% 99.68%$34,926,142 8,551AMTRUST NGH GRP2538124 4,208115.34% 0.02% 99.70%$34,270,859 5,526GROUP HLTH COOP OF EAU CLAIRE95192125 2,39191.25% 0.02% 99.72%

$185,761,733,768 39,683,572GRAND TOTAL 19,882,67981.82% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Multiple Employer Assns and Trusts

$1,540,840,290 334,179ANTHEM INC GRP6711 171,99584.23% 20.50% 20.50%$1,039,171,642 204,039PREMERA BLUE CROSS GRP9622 113,05489.42% 13.83% 34.33%

$853,048,903 173,020MEDICAL MUT OF OH GRP7303 87,84076.19% 11.35% 45.68%$502,535,347 111,842HIGHMARK GRP8124 51,35787.14% 6.69% 52.36%$460,318,493 125,961HCSC GRP9175 66,28489.03% 6.12% 58.49%$451,422,258 86,316BCBS OF NE777806 37,91589.47% 6.01% 64.50%$285,436,324 59,114CAMBIA HEALTH SOLUTIONS INC12077 38,03480.93% 3.80% 68.29%$256,393,374 50,923WELLMARK INC GRP7708 27,38989.47% 3.41% 71.71%$242,652,670 36,834GROUP HLTH COOP GRP11859 25,85687.44% 3.23% 74.93%$211,473,624 47,431KAISER FOUNDATION GRP60110 20,22082.31% 2.81% 77.75%$195,937,264 34,074BCBS OF MA GRP363711 14,60586.31% 2.61% 80.35%$192,703,474 38,625LOUISIANA HLTH SERV GRP43812 22,49381.32% 2.56% 82.92%$173,948,464 23,094HUMANA GRP11913 13,606105.87% 2.31% 85.23%$162,543,041 21,207BCBS OF MI GRP57214 9,67298.41% 2.16% 87.40%$151,533,024 52,829BCBS OF KS GRP43015 27,33290.52% 2.02% 89.41%$119,936,536 27,816GUIDEWELL MUT HOLDING GRP53616 16,06083.76% 1.60% 91.01%$103,123,253 24,881OREGON DENTAL GRP131317 15,320105.75% 1.37% 92.38%

$80,944,695 16,352NIPPON LIFE INS CO OF AMER8126418 7,79064.58% 1.08% 93.46%$62,811,218 11,209NORIDIAN MUT INS CO5589119 5,72878.70% 0.84% 94.29%$53,829,768 13,312TIMBER PRODUCTS MANUFACTURERS TRUST1223920 094.32% 0.72% 95.01%$53,573,130 9,794BCBS OF MN GRP46121 5,18088.25% 0.71% 95.72%$40,918,314 7,138BCBS OF SC GRP66122 4,36178.88% 0.54% 96.27%$36,461,745 7,567PACIFICSOURCE HLTH PLAN GRP470423 5,10491.66% 0.49% 96.75%$33,765,520 5,161ASSURANT INC GRP1924 3,12172.94% 0.45% 97.20%$32,245,640 3,529WISCONSIN PHYSICIANS SERV INS GRP6825 1,62482.25% 0.43% 97.63%$28,752,357 6,665IHC INC GRP88026 2,36889.58% 0.38% 98.01%$25,786,813 7,639FIRSTCARE GRP354927 4,07291.34% 0.34% 98.36%$20,849,038 3,396PIONEER EDUCATORS HLTH TRUST1261928 096.17% 0.28% 98.63%$16,779,350 3,463BCBS OF RI5347329 1,482101.58% 0.22% 98.86%$15,060,966 2,854WESTERN GROCERS EMPLOYEE BENEFIT TRU1233930 097.23% 0.20% 99.06%$13,253,369 3,010CARLE HOLDING CO GRP119231 1,64394.22% 0.18% 99.23%$11,443,228 3,772METROPOLITAN GRP24132 20665.66% 0.15% 99.39%$11,237,136 3,565HEALTH NET INC GRP62333 24478.47% 0.15% 99.53%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Multiple Employer Assns and Trusts

$8,014,832 1,598AULTMAN HLTH FOUNDATION GRP480534 549120.54% 0.11% 99.64%$6,751,904 1,120MID VALLEY IPA EMPLOYEE BENEFIT TRUS1252735 622103.42% 0.09% 99.73%$4,349,245 757MISSISSIPPI INS GRP112636 448129.65% 0.06% 99.79%$4,086,521 506ISMIE GRP235837 25781.32% 0.05% 99.84%$2,804,930 68GENEVE HOLDINGS INC GRP45038 34(175.31)% 0.04% 99.88%$2,338,331 506AETNA GRP139 39835.07% 0.03% 100.00%$1,811,067 153RENOWN HLTH GRP479140 7110.70% 0.02% 100.00%$1,649,875 470PIEDMONT COMM HLTH GRP484541 9114.81% 0.02% 100.00%$1,560,241 104INDEPENDENCE HLTH GRP INC GRP93642 50126.70% 0.02% 100.00%$1,554,661 444BCBS OF AZ INC5358943 14061.05% 0.02% 100.00%

$794,526 0MUNICH RE GRP36144 0(278.50)% 0.01% 100.00%$66,144 6PHYSICIANS PLUS INS CORP9534145 530.43% 0.00% 100.00%

$7,515,702,744 1,580,924GRAND TOTAL 804,47486.01% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Other Assoc and Discretionary Trusts

$1,204,862,777 405,127UNITEDHEALTH GRP7071 228,52473.06% 40.52% 40.52%$639,894,931 132,918HUMANA GRP1192 76,62078.46% 21.52% 62.04%$518,090,381 88,296WEA INS CORP722733 36,78597.68% 17.42% 79.46%$445,969,878 103,530ASSURANT INC GRP194 57,66178.33% 15.00% 94.46%

$35,401,043 8,152BCBS OF NE777805 3,68985.34% 1.19% 95.65%$32,672,543 78,947AMERICAN INTL GRP126 49,34345.02% 1.10% 96.75%$25,179,089 24,702GENEVE HOLDINGS INC GRP4507 15,92543.63% 0.85% 97.59%$23,198,568 8,656FREELANCERS CONSUMER OPERATED & ORIE151978 1,08088.01% 0.78% 98.37%$20,079,296 13HEALTHMARKETS GRP2649 374.64% 0.68% 99.05%$17,700,216 4,877WESTBRIDGE CAPITAL GRP83910 2,409159.09% 0.60% 99.65%

$4,501,121 928AMERICAN NATL FIN GRP40811 49895.17% 0.15% 99.80%$3,044,803 0BCS INS GRP2312 063.22% 0.10% 99.90%$1,476,383 1,283MUNICH RE GRP36113 1,02567.30% 0.05% 100.00%$1,019,939 130TRUSTMARK MUT HOLDING CO GRP27614 81182.18% 0.03% 100.00%

$451,645 73NEW ERA LIFE GRP52015 41110.01% 0.02% 100.00%$23,170 1AEGON US HOLDING GRP46816 1569.40% 0.00% 100.00%$18,264 6CINCINNATI FIN GRP24417 6348.71% 0.00% 100.00%

$8,498 7MUTUAL OF OMAHA GRP26118 7157.53% 0.00% 100.00%$4,923 0BCBS OF SC GRP66119 0(17,505.44)% 0.00% 100.00%$4,612 1HC2 HOLDINGS GRP485220 1172.42% 0.00% 100.00%$1,289 1CIGNA HLTH GRP90121 136.00% 0.00% 100.00%

$2,973,603,369 857,648GRAND TOTAL 473,70079.58% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Other Comprehensive Major Medical

$1,609,572,733 374,755HAWAII MEDICAL SERV ASSN499481 216,36787.53% 32.58% 32.58%$1,197,981,687 273,170BCBS OF NC INC546312 170,25485.41% 24.25% 56.83%$1,160,776,161 295,888UPMC HLTH SYSTEM GRP13243 155,62193.89% 23.50% 80.33%

$252,908,386 65,862EMBLEM HLTH GRP11274 35,48280.72% 5.12% 85.45%$192,336,236 40,805OREGON DENTAL GRP13135 20,77895.68% 3.89% 89.35%$131,492,874 34,514UNITEDHEALTH GRP7076 54478.17% 2.66% 92.01%$125,710,954 235,128BCS INS GRP237 81,59468.56% 2.54% 94.55%$115,782,963 53,494MAPFRE INS GRP4118 65793.35% 2.34% 96.90%

$50,360,010 9,864HEALTH FIRST GRP47409 5,61780.97% 1.02% 97.92%$36,002,323 8,835CHEROKEE INS CO1064210 7598.87% 0.73% 98.64%$25,758,852 14,415MERCY HLTH CORP GRP359511 14,41580.92% 0.52% 99.17%$13,722,168 2,576ANTHEM INC GRP67112 1,51431.21% 0.28% 99.44%

$9,571,263 1,693ALLCARE HLTH PLAN INC1225313 1,69389.23% 0.19% 99.64%$7,349,893 1,645CDPHP INC GRP470814 95168.84% 0.15% 99.79%$6,291,531 1,605MVP GRP119815 972112.85% 0.13% 100.00%$1,267,000 220HEALTHPARTNERS GRP125816 97347.36% 0.03% 100.00%

$807,827 224WESTBRIDGE CAPITAL GRP83917 11979.71% 0.02% 100.00%$408,000 0CIGNA HLTH GRP90118 0(40.17)% 0.01% 100.00%$387,332 75PROTECTIVE LIFE INS GRP45819 75178.04% 0.01% 100.00%$285,870 250ISLAND HOME INS CO3165820 584.60% 0.01% 100.00%$180,603 0METROPOLITAN GRP24121 096.38% 0.00% 100.00%$173,384 39GOLDMAN SACHS GRP389122 30473.29% 0.00% 100.00%$162,314 21CNO FINANCIAL GRP23323 2135.38% 0.00% 100.00%$114,981 29WILTON RE GRP421324 29138.03% 0.00% 100.00%$106,566 136AEGON US HOLDING GRP46825 11720.69% 0.00% 100.00%

$95,772 0NESTLE SA GRP448326 0357.82% 0.00% 100.00%$86,936 506PHYSICIANS MUT GRP36727 38363.58% 0.00% 100.00%$79,551 16PRINCIPAL FIN GRP33228 13861.48% 0.00% 100.00%$61,221 10LINCOLN NATL GRP2029 10(594.81)% 0.00% 100.00%$59,384 40PRIMERICA GRP475030 40(156.07)% 0.00% 100.00%$31,592 3GRANGE MUT CAS GRP26731 3(2,288.79)% 0.00% 100.00%$20,510 8CINCINNATI FIN GRP24432 8212.78% 0.00% 100.00%$16,377 29AMERICAN INTL GRP1233 1858.44% 0.00% 100.00%

© 2016 National Association of Insurance Commissioners 184

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Other Comprehensive Major Medical

$14,057 16ASSURANT INC GRP1934 9313.70% 0.00% 100.00%$7,734 7ALLIANZ INS GRP76135 7659.98% 0.00% 100.00%$2,106 0COMMUNITY HLTH PLAN OF WA4704936 0(3,570.23)% 0.00% 100.00%

$938 0JEFFERSON NATIONAL GRP483637 1854.16% 0.00% 100.00%

$4,939,903,207 1,429,271GRAND TOTAL 720,96587.78% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Comprehensive/Major Medical Subtotal

$31,669,925,856 6,771,783UNITEDHEALTH GRP7071 3,674,00576.88% 15.74% 15.74%$17,420,220,480 3,620,175AETNA GRP12 1,955,61982.24% 8.66% 24.40%$16,357,780,564 3,535,718ANTHEM INC GRP6713 1,927,77879.18% 8.13% 32.53%$15,646,840,952 3,177,781HCSC GRP9174 1,724,70983.82% 7.78% 40.31%

$6,610,982,247 2,095,913CIGNA HLTH GRP9015 44,41280.12% 3.29% 43.59%$6,550,269,999 1,364,671KAISER FOUNDATION GRP6016 728,89684.77% 3.26% 46.85%$5,572,227,307 1,143,616BCBS OF MI GRP5727 510,96980.36% 2.77% 49.62%$5,178,346,328 1,550,078HUMANA GRP1198 915,08781.05% 2.57% 52.19%$4,453,102,486 808,894BCBS OF MA GRP36379 376,29884.05% 2.21% 54.41%$4,295,681,828 654,050BCBS OF NJ GRP120210 289,54383.29% 2.14% 56.54%$4,274,769,542 900,512GUIDEWELL MUT HOLDING GRP53611 554,20477.76% 2.12% 58.67%$3,868,886,410 726,107HIGHMARK GRP81212 384,05085.34% 1.92% 60.59%$3,760,067,716 659,699INDEPENDENCE HLTH GRP INC GRP93613 348,56680.28% 1.87% 62.46%$3,345,048,631 641,146LIFETIME HLTHCARE GRP118614 319,34684.66% 1.66% 64.12%$3,336,719,663 718,381CAREFIRST INC GRP38015 394,22472.79% 1.66% 65.78%$2,972,445,856 530,660EMBLEM HLTH GRP112716 270,22285.86% 1.48% 67.26%$2,449,117,641 567,711BCBS OF AL GRP57017 297,19990.66% 1.22% 68.47%$2,372,796,557 453,067HARVARD PILGRIM HLTH CARE GRP59518 226,02087.14% 1.18% 69.65%$2,361,087,823 479,206CAMBIA HEALTH SOLUTIONS INC120719 263,15077.77% 1.17% 70.83%$2,111,017,059 433,698PREMERA BLUE CROSS GRP96220 252,35984.59% 1.05% 71.88%$2,074,692,658 433,887BCBS OF NC INC5463121 272,81082.96% 1.03% 72.91%$2,005,977,000 460,093WELLMARK INC GRP77022 238,14186.14% 1.00% 73.90%$1,888,285,437 440,739BCBS OF TN GRP349823 239,84378.38% 0.94% 74.84%$1,792,047,836 366,947LOUISIANA HLTH SERV GRP43824 213,99884.50% 0.89% 75.73%$1,739,944,009 318,369GROUP HLTH COOP GRP118525 189,01682.34% 0.86% 76.60%$1,625,071,875 315,121MEDICAL MUT OF OH GRP73026 159,16976.98% 0.81% 77.41%$1,609,572,733 374,755HAWAII MEDICAL SERV ASSN4994827 216,36787.53% 0.80% 78.21%$1,510,068,000 456,375HEALTHPARTNERS GRP125828 225,64785.97% 0.75% 78.96%$1,451,237,236 362,681BCBS OF SC GRP66129 219,21679.33% 0.72% 79.68%$1,347,626,501 284,324HEALTH NOW NY INC5520430 142,64483.35% 0.67% 80.35%$1,251,726,454 281,552SPECTRUM HLTH GRP338331 120,77583.78% 0.62% 80.97%$1,246,216,917 217,454TUFTS GRP474232 102,47683.32% 0.62% 81.59%$1,205,766,142 239,923HEALTH NET INC GRP62333 109,97084.66% 0.60% 82.19%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Comprehensive/Major Medical Subtotal

$1,162,709,677 226,781HENRY FORD HLTH SYSTEM GRP131134 97,75387.62% 0.58% 82.77%$1,160,776,161 295,888UPMC HLTH SYSTEM GRP132435 155,62193.89% 0.58% 83.34%$1,151,014,917 204,946CDPHP INC GRP470836 103,25086.32% 0.57% 83.92%$1,109,804,102 210,334BCBS OF MN GRP46137 117,29879.64% 0.55% 84.47%$1,094,894,146 322,928IHC INC GRP88038 124,81292.50% 0.54% 85.01%$1,031,157,321 253,422BCBS OF KS GRP43039 134,67391.80% 0.51% 85.52%

$990,220,023 10,656BLUE SHIELD OF CA GRP279840 6,10573.38% 0.49% 86.02%$907,373,626 186,183BCBS OF NE7778041 93,12584.84% 0.45% 86.47%$906,239,877 142,229CARLE HOLDING CO GRP119242 74,21488.53% 0.45% 86.92%$905,638,329 179,944MEDICA GRP155243 95,40686.04% 0.45% 87.37%$839,932,372 191,907BCBS OF KC GRP53744 108,07981.43% 0.42% 87.78%$820,823,142 159,056DEAN HLTH GRP129445 73,15682.76% 0.41% 88.19%$820,740,230 176,417CAPITAL BLUE CROSS GRP123046 101,76579.15% 0.41% 88.60%$774,678,536 193,230ARKANSAS BCBS GRP87647 112,30083.88% 0.39% 88.99%$773,928,573 135,557BCBS OF RI5347348 68,29979.92% 0.38% 89.37%$770,652,812 150,817MVP GRP119849 77,34384.27% 0.38% 89.75%$722,376,906 142,257UNITY HLTH PLANS INS CORP9579650 63,34889.87% 0.36% 90.11%$709,632,346 175,664MISSISSIPPI INS GRP112651 112,66782.79% 0.35% 90.47%$702,294,242 159,463BCBS OF AZ INC5358952 91,06879.69% 0.35% 90.81%$685,175,171 108,648NORIDIAN MUT INS CO5589153 55,11482.91% 0.34% 91.16%$656,415,741 139,169BLUE CROSS OF ID GRP129054 66,89890.65% 0.33% 91.48%$615,467,184 137,689PROVIDENCE HLTH GRP478855 78,91891.61% 0.31% 91.79%$573,726,546 121,771ASSURANT INC GRP1956 68,65579.37% 0.29% 92.07%$541,905,082 223,498TRIPLE S GRP480257 72,41680.62% 0.27% 92.34%$518,090,381 88,296WEA INS CORP7227358 36,78597.68% 0.26% 92.60%$505,078,200 97,220GEISINGER INS GRP114359 55,92785.89% 0.25% 92.85%$482,842,120 96,768SENTARA HLTH MGMT GRP118360 58,05982.19% 0.24% 93.09%$478,233,454 86,219FALLON GRP474161 41,56793.86% 0.24% 93.33%$465,459,220 105,097PACIFICSOURCE HLTH PLAN GRP470462 75,07081.29% 0.23% 93.56%$427,291,753 87,300INDEPENDENT HLTH BENEFITS CORP4703463 44,65579.97% 0.21% 93.77%$415,206,890 99,680FEDERATED MUT GRP764 58,39386.42% 0.21% 93.98%$411,810,341 71,002SECURITY HLTH PLAN OF WI INC9688165 29,877101.22% 0.20% 94.18%$402,922,570 82,872BAYSTATE HLTH GRP475666 42,63788.87% 0.20% 94.38%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Comprehensive/Major Medical Subtotal

$399,142,800 88,473OREGON DENTAL GRP131367 50,85198.13% 0.20% 94.58%$376,121,253 87,482SCOTT & WHITE GRP60068 50,48086.54% 0.19% 94.77%$370,703,513 75,346COMMUNITYCARE GRP348769 8,04185.56% 0.18% 94.95%$331,412,368 64,409BCBS OF VT GRP474570 34,23090.95% 0.16% 95.12%$327,499,632 64,115GROUP HLTH COOP OF S CENTRAL WI9531171 32,46289.65% 0.16% 95.28%$326,917,222 73,647NETWORK HLTH GRP267872 30,52483.32% 0.16% 95.44%$324,780,925 78,876AVMED INC9526373 51,73581.98% 0.16% 95.60%$314,513,030 101,638SANFORD HLTH GRP124674 47,897115.06% 0.16% 95.76%$310,940,991 52,592WISCONSIN PHYSICIANS SERV INS GRP6875 24,43384.48% 0.15% 95.91%$297,291,748 86,608NEIGHBORHOOD HLTH PLAN INC1110976 39,35395.62% 0.15% 96.06%$277,943,533 48,663HEALTHPLUS OF MI GRP340977 24,94089.28% 0.14% 96.20%$266,108,284 127,926MEDICAL CARD SYSTEM INC GRP130178 56,39484.88% 0.13% 96.33%$262,782,130 45,025STATE FARM GRP17679 16,181102.69% 0.13% 96.46%$262,518,829 49,556NIPPON LIFE INS CO OF AMER8126480 24,99477.43% 0.13% 96.59%$239,633,319 50,719PRESBYTERIAN HLTHCARE SERV GRP48181 31,04774.78% 0.12% 96.71%$235,216,121 43,222HEALTHSPAN PARTNERS GRP483182 1,03090.24% 0.12% 96.83%$220,306,342 50,722PHYSICIANS PLUS INS CORP9534183 24,42590.92% 0.11% 96.94%$211,847,303 39,219ADVANTAGE HLTH SOLUTIONS INC5256884 19,617101.36% 0.11% 97.05%$203,261,639 41,862PHYSICIANS HLTH PLAN OF MID MI GRP340885 19,04889.20% 0.10% 97.15%$202,156,292 33,647INDEPENDENT HLTH ASSN9530886 14,62985.33% 0.10% 97.25%$198,567,320 44,277AULTMAN HLTH FOUNDATION GRP480587 12,87678.25% 0.10% 97.35%$194,521,923 38,253SUMMA HLTH GRP325988 19,89990.26% 0.10% 97.44%$192,642,770 53,474UNIVERSITY HLTH ALLIANCE4795389 36,76185.85% 0.10% 97.54%$188,371,932 33,036ROCKY MOUNTAIN HLTH GRP118490 18,78384.67% 0.09% 97.63%$183,870,508 51,304FIRSTCARE GRP354991 29,28986.46% 0.09% 97.72%$178,489,583 43,059PREFERREDONE GRP349292 24,70691.17% 0.09% 97.81%$178,011,358 33,875RENOWN HLTH GRP479193 66982.41% 0.09% 97.90%$171,702,287 39,445HEALTH PLAN GRP129794 18,77398.69% 0.09% 97.99%$169,925,234 35,447GLOBALHEALTH HOLDINGS GRP482195 19,35384.69% 0.08% 98.07%$166,988,303 42,085HAWAII MGMT ALLIANCE ASSN4833096 2,88580.81% 0.08% 98.15%$160,538,197 31,917PHP INDIANA GRP382897 17,70279.53% 0.08% 98.23%$134,153,743 29,105VANGUARD HLTH VENTURES GRP121298 15,34179.59% 0.07% 98.30%$131,668,907 29,859BAPTIST HLTH PLAN INC9507199 093.04% 0.07% 98.36%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Comprehensive/Major Medical Subtotal

$130,732,232 23,699BCBS OF WY53767100 12,85082.81% 0.06% 98.43%$129,740,653 31,022SAINT MARYS HLTH CARE CORP GRP2418101 18,65096.31% 0.06% 98.49%$128,755,757 235,128BCS INS GRP23102 81,59468.43% 0.06% 98.56%$126,054,667 31,104TOTAL HLTH GRP1238103 20,27574.74% 0.06% 98.62%$124,831,978 40,414TOKIO MARINE HOLDINGS INC GRP3098104 42180.80% 0.06% 98.68%$115,782,963 53,494MAPFRE INS GRP411105 65793.35% 0.06% 98.74%$112,105,733 22,144GUNDERSEN LUTHERAN HLTH GRP4751106 10,52695.81% 0.06% 98.80%$108,722,010 22,578SOUTH DAKOTA STATE MED HOLDING CO96598107 13,33485.97% 0.05% 98.85%

$97,328,690 23,688COX INS GRP1203108 14,19191.54% 0.05% 98.90%$97,189,158 27,272VIVA HLTH INC95322109 13,95791.78% 0.05% 98.95%$94,480,813 17,519HEALTH TRADITION HLTH PLAN96628110 30986.21% 0.05% 98.99%$91,345,289 18,043HEALTH FIRST GRP4740111 10,99378.75% 0.05% 99.04%$87,648,547 35,063TAKECARE INS CO INC11093112 15,167106.63% 0.04% 99.08%$86,334,176 23,917HEALTHYCT INC15046113 13,799102.09% 0.04% 99.13%$86,327,470 21,714CATHOLIC HLTH INITIATIVES GRP4807114 89278.57% 0.04% 99.17%$83,814,372 17,818MEDICAL ASSOCIATES GRP4811115 7,88893.39% 0.04% 99.21%$80,384,236 15,380VANTAGE HLTH GRP4783116 8,15785.19% 0.04% 99.25%$72,924,837 27,501MERCY HLTH CORP GRP3595117 20,11289.33% 0.04% 99.29%$67,454,815 13,546ALLIANT HLTH PLANS INC11256118 6,96291.77% 0.03% 99.32%$65,930,009 16,128AVERA HLTH PLANS INC95839119 50295.07% 0.03% 99.35%$58,702,330 11,888FIRSTCAROLINACARE INS CO INC12962120 7,91485.25% 0.03% 99.38%$58,507,530 20,305METROPOLITAN GRP241121 41262.23% 0.03% 99.41%$56,163,858 27,134GENEVE HOLDINGS INC GRP450122 18,06958.57% 0.03% 99.44%$53,829,768 13,312TIMBER PRODUCTS MANUFACTURERS TRUST12239123 094.32% 0.03% 99.47%$52,653,241 14,553MEMORIAL HERMANN GRP4808124 9,80088.60% 0.03% 99.49%$48,941,580 11,817DENVER HLTH MEDICAL PLAN INC95750125 088.84% 0.02% 99.52%

$201,190,943,087 43,551,415GRAND TOTAL 21,881,81882.09% 100.00%

© 2016 National Association of Insurance Commissioners 189

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Specified/Named Disease

$289,040,348 2,105,383ALLSTATE INS GRP81 1,060,21847.55% 24.42% 24.42%$163,035,077 743,595AFLAC GRP3702 544,89147.94% 13.77% 38.19%$151,936,884 478,543UNUMPROVIDENT CORP GRP5653 21,55239.15% 12.83% 51.02%$144,122,487 282,783CNO FINANCIAL GRP2334 183,45283.40% 12.17% 63.20%

$70,842,265 565,399AEGON US HOLDING GRP4685 324,57041.35% 5.98% 69.18%$62,119,755 95,239WESTBRIDGE CAPITAL GRP8396 57,46235.67% 5.25% 74.43%$55,821,942 312,520MUTUAL OF OMAHA GRP2617 225,15050.42% 4.72% 79.14%$41,346,687 205,234HUMANA GRP1198 86,45740.40% 3.49% 82.64%$31,500,526 98,290TRUSTMARK MUT HOLDING CO GRP2769 68,60744.05% 2.66% 85.30%$31,406,758 398,138VOYA FINANCIAL GRP483210 181,67543.32% 2.65% 87.95%$27,301,798 65,333LINCOLN NATL GRP2011 6951.43% 2.31% 90.26%$20,752,819 24,447GUARANTEE TRUST GRP68712 11,06267.92% 1.75% 92.01%$17,278,587 144,897GUARDIAN LIFE GRP42913 112,82555.26% 1.46% 93.47%$13,720,614 72,361BOSTON MUT GRP58114 36,60542.86% 1.16% 94.63%

$7,290,670 18,420TORCHMARK CORP GRP29015 8,20144.22% 0.62% 95.24%$6,771,514 20,335AMERICAN INTL GRP1216 17,05845.06% 0.57% 95.82%$5,532,755 23,991CIGNA HLTH GRP90117 20,32135.98% 0.47% 96.28%$5,447,885 0CHUBB LTD GRP62618 034.80% 0.46% 96.74%$5,300,461 46,781FAIRFAX FIN GRP15819 21487.09% 0.45% 97.19%$5,151,146 39,309GENERAL ELECTRIC GRP35020 29,51893.77% 0.44% 97.63%$4,984,698 34,207AMERICAN FIDELITY CORP GRP33021 20,82219.87% 0.42% 98.05%$3,998,775 17,477HIGHMARK GRP81222 9,078(5.64)% 0.34% 98.39%$3,216,115 12,878HEALTHMARKETS GRP26423 8,67426.93% 0.27% 98.66%$2,776,009 30,403SUN LIFE ASSUR CO OF CN GRP54924 19339.83% 0.23% 98.89%$1,838,168 4,162HC2 HOLDINGS GRP485225 2,61775.65% 0.16% 99.05%$1,599,642 29,655AMTRUST NGH GRP253826 19,829(19.94)% 0.14% 99.18%$1,415,963 16,986FIDELITY SECURITY GRP45127 10,75729.97% 0.12% 99.30%$1,087,176 6,964ASSURITY LIFE INS CO7143928 3,91533.76% 0.09% 99.39%

$943,283 14,991BCBS OF SC GRP66129 12,68514.55% 0.08% 99.47%$926,622 0GENEVE HOLDINGS INC GRP45030 030.67% 0.08% 99.55%$662,952 4,350PRINCIPAL FIN GRP33231 4,35016.15% 0.06% 99.61%$518,243 8,728AXIS CAPITAL GRP341632 31745.00% 0.04% 99.65%$486,546 27,993BCS INS GRP2333 27,993(213.78)% 0.04% 99.69%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Specified/Named Disease

$476,674 3,993HARTFORD FIRE & CAS GRP9134 1460.38% 0.04% 99.73%$408,002 2,652NATIONAL GUARDIAN LIFE INS GRP121135 2,07848.55% 0.03% 99.77%$372,281 2,679LIFE INS CO OF AL6541236 1,176121.19% 0.03% 99.80%$349,915 186HARRIS INS HOLDINGS GRP111737 154134.50% 0.03% 99.83%$344,836 2,676AMERICAN NATL FIN GRP40838 1,67981.85% 0.03% 99.86%$331,792 1,082BALTIMORE LIFE INS CO6121239 1,08257.93% 0.03% 99.89%$293,647 3,301MULTINATIONAL GRP480440 3,3019.95% 0.02% 100.00%$208,982 1,6225 STAR LIFE INS CO7787941 1,408(10.17)% 0.02% 100.00%$207,162 900NEW ERA LIFE GRP52042 58034.35% 0.02% 100.00%$183,023 65GENWORTH FIN GRP401143 65(75.54)% 0.02% 100.00%$140,906 411UNIFIED LIFE INS CO1112144 28385.22% 0.01% 100.00%

$67,726 2,179UNION LABOR GRP78145 92232.56% 0.01% 100.00%$62,111 281NATIONWIDE CORP GRP14046 281213.67% 0.01% 100.00%$52,962 59PAN AMER LIFE GRP52547 4716.74% 0.00% 100.00%$50,779 275MINNESOTA MUT GRP86948 115.10% 0.00% 100.00%$27,092 5PHYSICIANS MUT GRP36749 5(968.92)% 0.00% 100.00%$21,432 0COOPERATIVA DE SEGUROS DE VIDA7971550 055.36% 0.00% 100.00%$18,973 173UNITEDHEALTH GRP70751 1736.10% 0.00% 100.00%$15,243 541BEAZLEY INS CO INC3754052 82(139.92)% 0.00% 100.00%

$7,082 56HORACE MANN GRP30053 360.16% 0.00% 100.00%$2,349 4CENTRAL STATES GRP69054 4227.80% 0.00% 100.00%

$392 1ARKANSAS BCBS GRP87655 12,326.02% 0.00% 100.00%$95 0WILTON RE GRP421356 0(75.79)% 0.00% 100.00%

$1,183,818,626 5,972,933GRAND TOTAL 3,125,13548.55% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Limited Benefit

$1,461,720,788 20,976,435VISION SERV PLAN GRP11891 39,33780.21% 29.96% 29.96%$1,208,954,660 6,050,665UNITEDHEALTH GRP7072 3,407,71578.41% 24.78% 54.73%

$578,393,677 10,144,667FIDELITY SECURITY GRP4513 4,793,41677.04% 11.85% 66.59%$221,538,438 3,438,104NATIONAL GUARDIAN LIFE INS GRP12114 1,756,63463.81% 4.54% 71.13%$195,244,902 0CHUBB LTD GRP6265 077.96% 4.00% 75.13%$130,937,288 1,977,659HUMANA GRP1196 1,042,46962.82% 2.68% 77.81%$127,192,909 95,982AEGON US HOLDING GRP4687 71,65563.72% 2.61% 80.42%$121,374,734 0CAPITAL BLUE CROSS GRP12308 098.88% 2.49% 82.91%

$90,199,200 745,388AMERITAS MUT HOLDING GRP9439 11,01662.84% 1.85% 84.76%$82,410,262 451,360BCBS OF SC GRP66110 294,48197.18% 1.69% 86.45%$67,851,359 67,519PAN AMER LIFE GRP52511 46,52543.20% 1.39% 87.84%$67,764,489 96,643BCS INS GRP2312 77,53241.55% 1.39% 89.22%$66,408,866 1,076,915ANTHEM INC GRP67113 562,60980.18% 1.36% 90.59%$51,581,322 902,759CIGNA HLTH GRP90114 13,39976.32% 1.06% 91.64%$49,304,346 120,428AMERICAN FIDELITY CORP GRP33015 90,23048.80% 1.01% 92.65%$45,867,764 875,116VISION BENEFITS GRP469616 2,06080.22% 0.94% 93.59%$44,719,865 50,491WHITE MOUNTAINS GRP112917 34,37268.22% 0.92% 94.51%$44,181,766 63,999TOKIO MARINE HOLDINGS INC GRP309818 90948.16% 0.91% 95.42%$39,447,570 213,604UNIFIED LIFE INS CO1112119 99,11256.35% 0.81% 96.22%$28,274,151 323,002PRINCIPAL FIN GRP33220 218,53142.73% 0.58% 96.80%$14,803,294 19,562BEAZLEY INS CO INC3754021 8,47857.55% 0.30% 97.11%$13,904,910 98,339GENEVE HOLDINGS INC GRP45022 55,56358.73% 0.28% 97.39%$11,613,025 135,400STANCORP FIN GRP134823 93,51962.76% 0.24% 97.63%$10,829,830 3,874HEALTH NET INC GRP62324 2,91529.61% 0.22% 97.85%$10,315,232 9,207AXIS CAPITAL GRP341625 20236.20% 0.21% 98.06%$10,200,023 0INDEPENDENCE HLTH GRP INC GRP93626 0129.44% 0.21% 98.27%$10,071,711 24,478AMTRUST NGH GRP253827 10,08144.44% 0.21% 98.48%

$8,084,523 0HAWAII MEDICAL SERV ASSN4994828 075.25% 0.17% 98.64%$8,035,982 16,279NEW YORK LIFE GRP82629 12,91850.97% 0.16% 98.81%$5,326,933 19,065FAIRFAX FIN GRP15830 3458.63% 0.11% 98.92%$5,061,842 9,695AEGIS GRP31331 10360.17% 0.10% 99.02%$4,826,705 126,246OPTICARE OF UT1253332 46,01560.78% 0.10% 99.12%$4,270,714 1,902HCSC GRP91733 1,2187.05% 0.09% 99.21%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Limited Benefit

$4,119,280 52,750CAMBIA HEALTH SOLUTIONS INC120734 26,47090.14% 0.08% 99.29%$3,479,825 29,299LOUISIANA HLTH SERV GRP43835 17,34278.39% 0.07% 99.36%$3,071,731 26,374VOYA FINANCIAL GRP483236 11,46750.00% 0.06% 99.43%$3,038,360 409,455AMERICAN SPECIALTY GRP350237 065.08% 0.06% 99.49%$2,868,045 33,089ARKANSAS BCBS GRP87638 20,77575.40% 0.06% 99.55%$2,480,715 15,792MAGNA INS CO6101839 11255.82% 0.05% 99.60%$2,267,344 3,324AMERICAN NATL FIN GRP40840 2,46738.78% 0.05% 99.65%$2,218,317 44,316DELTA DENTAL PLAN OF MO GRP368041 24,72357.13% 0.05% 99.69%$1,354,776 12,545WELLMARK INC GRP77042 5,88692.37% 0.03% 99.72%$1,282,546 14,634KANSAS CITY LIFE INS GRP58843 8,04262.77% 0.03% 99.74%$1,249,971 0AMERICAN FIN SECURITY LIFE INS CO6933744 3,94417.21% 0.03% 99.77%$1,203,403 325MUNICH RE GRP36145 25233.47% 0.02% 99.79%$1,128,066 15,808BEST LIFE & HLTH INS CO9063846 8,81249.94% 0.02% 99.82%

$979,648 28,366MEDICAL MUT OF OH GRP73047 13,930210.90% 0.02% 99.84%$974,907 25,560HEALTHMARKETS GRP26448 14,05250.26% 0.02% 99.86%$824,629 1,994PRIMERICA GRP475049 1,9947.63% 0.02% 99.87%$805,361 4,189FORTRESS GRP471650 15.11% 0.02% 99.89%$715,685 7,100WISCONSIN PHYSICIANS SERV INS GRP6851 19166.43% 0.01% 100.00%$697,501 0NORTH CAROLINA MUT LIFE INS CO6703252 06.94% 0.01% 100.00%$579,481 565MARKEL CORP GRP78553 0198.64% 0.01% 100.00%$452,867 4,852LIFETIME HLTHCARE GRP118654 2,42364.27% 0.01% 100.00%$436,217 3,419AMERICAN INTL GRP1255 2,44247.19% 0.01% 100.00%$429,152 4,521HIGHMARK GRP81256 2,568574.27% 0.01% 100.00%$393,132 2,606TORCHMARK CORP GRP29057 2,60651.87% 0.01% 100.00%$300,243 2,633PROVIDENCE HLTH GRP478858 98974.82% 0.01% 100.00%$290,868 955AMERICAN ENTERPRISE MUT GRP352759 91949.22% 0.01% 100.00%$258,183 26NEW ERA LIFE GRP52060 2322.71% 0.01% 100.00%$180,395 4,909RENAISSANCE HLTH SERV CORP GRP47761 25065.30% 0.00% 100.00%$161,558 372HORACE MANN GRP30062 22411.59% 0.00% 100.00%$126,286 3,357WEA INS CORP7227363 1,27574.72% 0.00% 100.00%$101,061 46UNION LABOR GRP78164 4668.99% 0.00% 100.00%

$62,535 264FARMERS INS GRP6965 21(31.71)% 0.00% 100.00%$58,818 1,066ASSURITY LIFE INS CO7143966 045.07% 0.00% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Limited Benefit

$45,743 345MAPFRE INS GRP41167 29939.00% 0.00% 100.00%$26,158 62CNO FINANCIAL GRP23368 62275.60% 0.00% 100.00%$13,445 7CORVESTA GRP472969 7(0.16)% 0.00% 100.00%

$9,177 2THE HANOVER INS GRP8870 2548.85% 0.00% 100.00%$8,710 11PROTECTIVE LIFE INS GRP45871 11789.54% 0.00% 100.00%$2,161 24HC2 HOLDINGS GRP485272 15634.43% 0.00% 100.00%

$194 8AXA INS GRP96873 8122.16% 0.00% 100.00%

$4,879,357,863 48,889,753GRAND TOTAL 12,967,69875.16% 100.00%

© 2016 National Association of Insurance Commissioners 194

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Student

$735,903,205 435,087AETNA GRP11 429,44679.17% 38.89% 38.89%$505,762,019 326,186UNITEDHEALTH GRP7072 318,25869.91% 26.72% 65.61%$117,708,298 64,122HCSC GRP9173 61,41679.06% 6.22% 71.83%$103,995,783 70,792NATIONWIDE CORP GRP1404 68,13585.79% 5.50% 77.32%

$88,162,339 56,592BCBS OF NC INC546315 55,38185.49% 4.66% 81.98%$58,446,722 703,276BCS INS GRP236 702,60156.61% 3.09% 85.07%$40,839,202 31,418ANTHEM INC GRP6717 31,04968.64% 2.16% 87.23%$37,740,941 17,926HARVARD PILGRIM HLTH CARE GRP5958 17,76792.56% 1.99% 89.22%$35,282,377 8,706HEALTH NET INC GRP6239 8,70689.53% 1.86% 91.09%$25,414,938 33,505NATIONAL GUARDIAN LIFE INS GRP121110 33,50559.94% 1.34% 92.43%$20,192,031 20,432TRUSTMARK MUT HOLDING CO GRP27611 20,43298.10% 1.07% 93.50%$16,223,614 99,991BCBS OF SC GRP66112 99,99184.45% 0.86% 94.36%$15,329,911 7,609FAIRFAX FIN GRP15813 5672.52% 0.81% 95.17%$14,828,905 4,086HIGHMARK GRP81214 2,15179.26% 0.78% 95.95%$14,156,056 7,358INDEPENDENCE HLTH GRP INC GRP93615 7,15253.13% 0.75% 96.70%

$9,846,738 793,832PUPIL BENEFITS PLAN INC5527116 41866.75% 0.52% 97.22%$9,458,717 5,844BCBS OF NE7778017 5,53189.59% 0.50% 97.72%$7,867,345 0CHUBB LTD GRP62618 033.64% 0.42% 98.13%$6,619,116 0TOKIO MARINE HOLDINGS INC GRP309819 037.51% 0.35% 98.48%$6,545,352 3,306HEALTH NOW NY INC5520420 3,22176.13% 0.35% 98.83%$5,672,649 6,496PREMERA BLUE CROSS GRP96221 6,41671.86% 0.30% 99.13%$3,995,353 2,222CAMBIA HEALTH SOLUTIONS INC120722 2,222106.40% 0.21% 99.34%$2,923,130 92,500UNIFIED LIFE INS CO1112123 92,50049.27% 0.15% 99.49%$2,220,900 983COMMERCIAL TRAVELERS MUT INS CO8142624 1450.10% 0.12% 99.61%$1,935,292 0GUIDEWELL MUT HOLDING GRP53625 0(34.98)% 0.10% 99.71%$1,929,185 675LOUISIANA HLTH SERV GRP43826 65188.05% 0.10% 99.82%$1,098,970 2,090TUFTS GRP474227 2,09093.71% 0.06% 99.87%

$756,855 178BCBS OF TN GRP349828 17880.00% 0.04% 100.00%$580,744 620PAN AMER LIFE GRP52529 62063.71% 0.03% 100.00%$516,413 35,251UNIVERSAL FIDELITY LIFE INS CO7012230 932.11% 0.03% 100.00%$283,066 3,085COLUMBIAN LIFE GRP53531 3,10749.70% 0.01% 100.00%$165,803 0COOPERATIVA DE SEGUROS DE VIDA7971532 04.18% 0.01% 100.00%

$82,026 501MULTINATIONAL GRP480433 501(18.69)% 0.00% 100.00%

© 2016 National Association of Insurance Commissioners 195

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Student

$11,195 0AEGIS GRP31334 0(5,358.14)% 0.00% 100.00%

$1,892,495,190 2,834,670GRAND TOTAL 1,973,52576.02% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Accident only or AD&D

$480,484,508 13,162,610AEGON US HOLDING GRP4681 11,359,91431.78% 12.38% 12.38%$288,448,128 3,476,892MINNESOTA MUT GRP8692 1,818,62338.75% 7.43% 19.81%$274,880,861 7,208,902UNUMPROVIDENT CORP GRP5653 70,21932.44% 7.08% 26.90%$264,207,934 9,750,859METROPOLITAN GRP2414 24,44052.01% 6.81% 33.70%$245,455,888 9,019,494CIGNA HLTH GRP9015 12,39546.61% 6.32% 40.03%$190,300,312 8,608,539HARTFORD FIRE & CAS GRP916 26,17842.46% 4.90% 44.93%$188,646,024 2,409,632ALLSTATE INS GRP87 1,468,01643.61% 4.86% 49.79%$180,372,000 26,933,559CUNA MUT GRP3068 18,313,22522.78% 4.65% 54.44%$172,485,632 6,653,091ZURICH INS GRP2129 6,610,03534.54% 4.44% 58.88%$125,019,914 1,053,737AFLAC GRP37010 602,58548.08% 3.22% 62.11%$117,304,825 18,270,285MUTUAL OF OMAHA GRP26111 2,336,98146.39% 3.02% 65.13%$108,776,680 4,487,022LINCOLN NATL GRP2012 29,52228.41% 2.80% 67.93%$104,487,810 4,806,566PRUDENTIAL OF AMER GRP30413 2,05669.58% 2.69% 70.62%

$89,244,003 737,669FAIRFAX FIN GRP15814 20,27848.58% 2.30% 72.92%$83,386,963 2,311,254AETNA GRP115 2,126,24845.48% 2.15% 75.07%$69,274,386 3,104,382STANCORP FIN GRP134816 2,939,92841.30% 1.78% 76.86%$64,277,207 494,253AUTOMOBILE CLUB MI GRP5517 494,25327.04% 1.66% 78.51%$63,632,414 2,947,013GUARDIAN LIFE GRP42918 2,796,63340.52% 1.64% 80.15%$62,916,422 46,655,574AMEX ASSUR CO2792819 31,509,9414.81% 1.62% 81.77%$47,404,004 37,098AMERICAN FINANCIAL GRP8420 1,36134.72% 1.22% 82.99%$43,357,467 0CHUBB LTD GRP62621 043.31% 1.12% 84.11%$41,439,158 501,259NATIONWIDE CORP GRP14022 499,75253.46% 1.07% 85.18%$33,320,244 919,860TOKIO MARINE HOLDINGS INC GRP309823 3,40328.01% 0.86% 86.04%$33,120,926 0NESTLE SA GRP448324 062.35% 0.85% 86.89%$32,850,116 2,688,211AXIS CAPITAL GRP341625 8,25442.29% 0.85% 87.74%$31,544,520 1,451,923VOYA FINANCIAL GRP483226 631,27136.91% 0.81% 88.55%$28,186,572 808,916AMERICAN INTL GRP1227 17,97435.00% 0.73% 89.28%$26,918,157 1,616,781ANTHEM INC GRP67128 1,596,41642.82% 0.69% 89.97%$26,793,696 2,857,734MARKEL CORP GRP78529 17,91126.96% 0.69% 90.66%$25,131,041 80,945UNITEDHEALTH GRP70730 50,91136.04% 0.65% 91.31%$22,787,685 1,825,775WR BERKLEY CORP GRP9831 2,59366.76% 0.59% 91.90%$22,281,486 112,003CNO FINANCIAL GRP23332 101,58175.00% 0.57% 92.47%$21,740,455 15,348OLD REPUBLIC GRP15033 13266.03% 0.56% 93.03%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Accident only or AD&D

$20,769,653 309,392TRUSTMARK MUT HOLDING CO GRP27634 233,84523.90% 0.54% 93.57%$19,185,242 102,206WESTBRIDGE CAPITAL GRP83935 80,13745.67% 0.49% 94.06%$19,025,502 112,438HUMANA GRP11936 63,84031.70% 0.49% 94.55%$16,231,919 1,107,020NEW YORK LIFE GRP82637 1,094,43542.11% 0.42% 94.97%$14,583,223 4,679,488STARR GRP467038 25,20157.12% 0.38% 95.34%$14,443,847 271,385XL AMER GRP128539 238,87342.43% 0.37% 95.72%$13,884,947 185,808FORTRESS GRP471640 474.48% 0.36% 96.07%$12,201,353 367,291FIDELITY SECURITY GRP45141 135,72543.94% 0.31% 96.39%$12,056,576 100,332ATHENE GRP473442 67,70330.33% 0.31% 96.70%$11,219,386 284,636ASSURANT INC GRP1943 231,35120.13% 0.29% 96.99%

$9,603,405 770,424TORCHMARK CORP GRP29044 11,484,29865.01% 0.25% 97.24%$9,241,865 117,822BCBS OF SC GRP66145 117,59849.74% 0.24% 97.47%$8,496,427 164,138GENERAL ELECTRIC GRP35046 75,38414.45% 0.22% 97.69%$8,060,163 48,432NATIONAL GUARDIAN LIFE INS GRP121147 47,76862.60% 0.21% 97.90%$7,498,186 994,718UNION LABOR GRP78148 956,15148.61% 0.19% 98.09%$7,373,738 505,212ONEAMERICA FIN PARTNERS GRP61949 505,21232.87% 0.19% 98.28%$7,366,489 46,159GUARANTEE TRUST GRP68750 39,52416.53% 0.19% 98.47%$6,967,091 343,019ARCH INS GRP127951 343,01953.15% 0.18% 98.65%$5,593,182 303,723AEGIS GRP31352 3,78536.37% 0.14% 98.80%$5,430,724 5,525CHEROKEE INS CO1064253 3545.36% 0.14% 98.94%$4,545,024 320,165WHITE MOUNTAINS GRP112954 352,78267.22% 0.12% 99.05%$3,063,819 164,163AMERICAN FIDELITY CORP GRP33055 159,49336.21% 0.08% 99.13%$2,893,194 136,249STATE FARM GRP17656 52,62999.06% 0.07% 99.21%$2,788,727 32,929AMTRUST NGH GRP253857 21,56218.55% 0.07% 99.28%$2,768,553 324,388BOSTON MUT GRP58158 312,57531.39% 0.07% 99.35%$1,737,829 28,706SUN LIFE ASSUR CO OF CN GRP54959 18425.15% 0.04% 99.40%$1,551,214 1,663PAN AMER LIFE GRP52560 1,27145.78% 0.04% 99.44%$1,520,148 11,861ASSURITY LIFE INS CO7143961 5,95145.43% 0.04% 99.47%$1,383,889 0INTEGRAND ASSUR CO2677862 034.17% 0.04% 99.51%$1,382,602 12,860HIGHMARK GRP81263 6,53232.59% 0.04% 99.55%$1,233,264 329,518COMMERCIAL TRAVELERS MUT INS CO8142664 1,8789.16% 0.03% 99.58%$1,228,064 603NEW ERA LIFE GRP52065 4683.06% 0.03% 99.61%$1,127,011 178,049SENTRY INS GRP16966 178,0497.83% 0.03% 99.64%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Accident only or AD&D

$1,030,409 13,183GENEVE HOLDINGS INC GRP45067 9,00752.14% 0.03% 99.66%$988,820 196,421BCS INS GRP2368 196,42151.18% 0.03% 99.69%$975,023 7,166HEALTHMARKETS GRP26469 4,46460.91% 0.03% 99.72%$862,441 81,969BCBS OF KS GRP43070 2,48348.22% 0.02% 99.74%$829,923 5,443UNITED SERV AUTOMOBILE ASSN GRP20071 132.94% 0.02% 99.76%$822,502 61,263BLUE SHIELD OF CA GRP279872 61,19979.05% 0.02% 99.78%$803,797 68,872SECURITY MUT LIFE INS CO OF NY6877273 85041.80% 0.02% 99.80%$757,413 880,647TEXAS FARM BUREAU MUT GRP80974 465,21849.64% 0.02% 99.82%$643,949 0USIC GRP359375 09.79% 0.02% 99.84%$628,469 117,834INTER AMER GRP86376 3916.75% 0.02% 99.85%$554,122 0CSAA INS GRP127877 015.53% 0.01% 99.87%$517,194 29,472ROYAL STATE NATL INS CO LTD6855178 2(5.54)% 0.01% 99.88%$489,911 32,635MULTINATIONAL GRP480479 32,63519.68% 0.01% 99.89%$472,202 141,250IOWA FARM BUREAU GRP51380 141,25072.99% 0.01% 100.00%$382,620 1,230UNIFIED LIFE INS CO1112181 99916.05% 0.01% 100.00%$380,867 60,808ALLEGHANY GRP50182 394(9.97)% 0.01% 100.00%$318,662 2,173CLUB INS CO1097483 2,1734.41% 0.01% 100.00%$292,699 0COOPERATIVA DE SEGUROS DE VIDA7971584 03.43% 0.01% 100.00%$289,440 116AMALGAMATED LIFE & HLTH INS CO6020885 116109.05% 0.01% 100.00%$220,900 1,358KEMPER CORP GRP21586 78337.98% 0.01% 100.00%$218,709 1,722LINCOLN HERITAGE LIFE INS CO6592787 1,72217.64% 0.01% 100.00%$201,565 0COLONIAL SAVINGS GRP87888 049.61% 0.01% 100.00%$160,113 17,023HCSC GRP91789 17,02312.67% 0.00% 100.00%$136,935 1,921RESERVOIR CAPITAL GRP476490 1,9213.30% 0.00% 100.00%$135,038 15,953AMERICAN NATL FIN GRP40891 15,86559.37% 0.00% 100.00%$109,001 7,736HORACE MANN GRP30092 7,2160.97% 0.00% 100.00%$102,764 1,487LOUISIANA HLTH SERV GRP43893 9200.00% 0.00% 100.00%

$89,107 188PROTECTIVE LIFE INS GRP45894 18842.53% 0.00% 100.00%$85,014 2,736AUTO CLUB ENTERPRISES INS GRP131895 218.27% 0.00% 100.00%$79,731 529HARRIS INS HOLDINGS GRP111796 20740.77% 0.00% 100.00%$78,912 7,976STANDARD LIFE & CAS INS CO7170697 825.90% 0.00% 100.00%$65,247 120,459MISSOURI FARM BUREAU GRP51498 120,45959.77% 0.00% 100.00%$53,056 721FARMERS INS GRP6999 1(0.62)% 0.00% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Accident only or AD&D

$45,391 962GERMANIA INS GRP171100 6920.00% 0.00% 100.00%$44,140 0OKLAHOMA FARM BUREAU GRP220101 151.65% 0.00% 100.00%$39,287 481MAPFRE INS GRP411102 35521.37% 0.00% 100.00%$38,372 35SAMMONS ENTERPRISES GRP431103 35284.35% 0.00% 100.00%$36,829 0MOUNTAIN LIFE INS CO80020104 061.09% 0.00% 100.00%$30,491 682BENEFICIAL LIFE GRP615105 682(1.66)% 0.00% 100.00%$26,546 0ALLIANZ INS GRP761106 056.78% 0.00% 100.00%$22,384 1,391WILTON RE GRP4213107 1,344(203.45)% 0.00% 100.00%$20,455 931BALTIMORE LIFE INS CO61212108 93168.71% 0.00% 100.00%$18,731 21HOMESHIELD CAPITAL GRP2858109 21(1.92)% 0.00% 100.00%$17,408 117JACKSON NATL GRP918110 117(43.69)% 0.00% 100.00%$16,590 22DAILY UNDERWRITERS OF AMER35483111 22(0.85)% 0.00% 100.00%$15,967 175BERKSHIRE HATHAWAY GRP31112 175(6.29)% 0.00% 100.00%$15,056 0CAMBIA HEALTH SOLUTIONS INC1207113 00.00% 0.00% 100.00%$13,702 0UNDERWRITERS AT LLOYD'S LONDON15642114 00.00% 0.00% 100.00%

$9,547 0AMERICAN FIN SECURITY LIFE INS CO69337115 00.00% 0.00% 100.00%$7,655 4,280COMMUNITY FIRST GRP2738116 4,280(0.95)% 0.00% 100.00%$5,553 836BEAZLEY INS CO INC37540117 562(2,873.31)% 0.00% 100.00%$3,989 0SOUTHLAND NATL HOLDING GRP4827118 06.02% 0.00% 100.00%$2,717 0FOUNDATION LIFE INS CO OF AR83992119 0189.22% 0.00% 100.00%$1,277 36AMERIPRISE FIN GRP4120 180.00% 0.00% 100.00%

$200 0AMALGAMATED CAS INS CO13293121 20.00% 0.00% 100.00%$135 3LIFE INS CO OF AL65412122 10.00% 0.00% 100.00%

$3,880,977,143 199,265,423GRAND TOTAL 103,430,29139.94% 100.00%

© 2016 National Association of Insurance Commissioners 200

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Disability Income - Short-Term

$635,191,222 2,633,274UNUMPROVIDENT CORP GRP5651 29,15665.47% 12.92% 12.92%$466,903,174 2,044,459CIGNA HLTH GRP9012 4,28680.79% 9.50% 22.42%$390,926,222 1,489,702LINCOLN NATL GRP203 16,51171.13% 7.95% 30.37%$387,262,306 2,015,560HARTFORD FIRE & CAS GRP914 56,45771.06% 7.88% 38.25%$292,242,037 1,368,901METROPOLITAN GRP2415 9,99169.41% 5.94% 44.19%$262,646,365 312,791AETNA GRP16 312,79174.80% 5.34% 49.54%$262,368,785 1,623,365GUARDIAN LIFE GRP4297 1,623,36562.77% 5.34% 54.87%$241,223,307 980,094STANCORP FIN GRP13488 980,09470.84% 4.91% 59.78%$226,365,088 1,032,503SUN LIFE ASSUR CO OF CN GRP5499 11,33972.49% 4.60% 64.39%$200,931,391 878,167MUTUAL OF OMAHA GRP26110 878,16765.73% 4.09% 68.47%$197,723,191 846,063TOKIO MARINE HOLDINGS INC GRP309811 8,90864.26% 4.02% 72.49%$192,072,886 799,104LIBERTY MUT GRP11112 799,10488.48% 3.91% 76.40%$143,713,366 667,857PRINCIPAL FIN GRP33213 667,85757.72% 2.92% 79.33%$124,046,125 743,675PRUDENTIAL OF AMER GRP30414 2,17591.64% 2.52% 81.85%

$78,686,091 282,465ASSURANT INC GRP1915 282,46553.18% 1.60% 83.45%$75,412,926 1,337,441SHELTERPOINT GRP INC480316 1,337,44153.23% 1.53% 84.98%$52,468,323 336,049ARCH INS GRP127917 22,36871.76% 1.07% 86.05%$49,306,857 97,034AMERICAN FIDELITY CORP GRP33018 96,60142.46% 1.00% 87.05%$49,218,659 7,499HCSC GRP91719 7,49960.67% 1.00% 88.06%$47,863,502 244,955ANTHEM INC GRP67120 244,95560.78% 0.97% 89.03%$45,016,849 202,178ARKANSAS BCBS GRP87621 1,64961.59% 0.92% 89.94%$42,238,130 0CHUBB LTD GRP62622 043.28% 0.86% 90.80%$38,070,119 92,306AFLAC GRP37023 92,28959.27% 0.77% 91.58%$36,414,205 190,589PACIFIC GUARDIAN LIFE INS CO LTD6434324 190,58961.92% 0.74% 92.32%$36,026,723 141,384ONEAMERICA FIN PARTNERS GRP61925 141,38467.31% 0.73% 93.05%$31,640,657 78,936TRUSTMARK MUT HOLDING CO GRP27626 78,93645.72% 0.64% 93.70%$29,276,323 684,593GENEVE HOLDINGS INC GRP45027 684,59358.00% 0.60% 94.29%$28,214,230 96,252VOYA FINANCIAL GRP483228 96,25259.46% 0.57% 94.86%$26,466,618 91,713HUMANA GRP11929 82,35657.31% 0.54% 95.40%$23,754,565 108,863AMERICAN INTL GRP1230 108,86570.10% 0.48% 95.89%$22,884,037 55,067ALLSTATE INS GRP831 55,06742.68% 0.47% 96.35%$22,113,018 8,303UNITEDHEALTH GRP70732 8,30353.12% 0.45% 96.80%$17,546,966 77,338AEGON US HOLDING GRP46833 37,42330.51% 0.36% 97.16%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Disability Income - Short-Term

$16,125,766 71,583WHITE MOUNTAINS GRP112934 71,58367.06% 0.33% 97.49%$14,623,723 51,201BCBS OF SC GRP66135 51,11858.20% 0.30% 97.78%$14,388,943 53,177NORTHWESTERN MUT GRP86036 2,52649.59% 0.29% 98.08%$12,027,643 40,978BOSTON MUT GRP58137 40,97866.43% 0.24% 98.32%$10,478,510 38,387KANSAS CITY LIFE INS GRP58838 38,38654.91% 0.21% 98.53%

$8,719,963 93,502SECURITY MUT LIFE INS CO OF NY6877239 1,26468.73% 0.18% 98.71%$5,579,447 6,248HARRIS INS HOLDINGS GRP111740 6,25340.90% 0.11% 98.83%$5,215,398 22,218NATIONWIDE CORP GRP14041 20,17061.59% 0.11% 98.93%$4,620,945 14,156MEDICAL MUT OF OH GRP73042 14,15689.28% 0.09% 99.03%$3,906,464 20,305UNION LABOR GRP78143 20,30587.43% 0.08% 99.11%$3,784,987 21,480BCS INS GRP2344 21,48019.87% 0.08% 99.18%$3,121,284 0TRIPLE S GRP480245 0115.50% 0.06% 99.25%$2,942,552 10,604MULTINATIONAL GRP480446 10,60437.24% 0.06% 99.31%$2,869,648 4,902AMALGAMATED LIFE INS CO6021647 3268.39% 0.06% 99.36%$2,756,803 78,176UNIVERSAL INS CO GRP7148 78,17625.80% 0.06% 99.42%$2,358,123 0COOPERATIVA DE SEGUROS DE VIDA7971549 028.65% 0.05% 99.47%$2,305,111 11,973WISCONSIN PHYSICIANS SERV INS GRP6850 71260.08% 0.05% 99.51%$2,108,910 3,420FIDELITY SECURITY GRP45151 3,42039.16% 0.04% 99.56%$2,085,784 10,539GUIDEWELL MUT HOLDING GRP53652 9859.42% 0.04% 99.60%$2,048,251 5,264ILLINOIS MUT LIFE INS CO6458053 5,26440.60% 0.04% 99.64%$1,846,493 1,288FINANCIAL HOLDINGS GRP44954 1,30746.59% 0.04% 99.68%$1,775,706 10,866BCBS OF KS GRP43055 39161.51% 0.04% 99.72%$1,772,184 10,936SENTRY INS GRP16956 10,93650.23% 0.04% 99.75%$1,391,996 22,670STATE FARM GRP17657 6,52837.12% 0.03% 99.78%$1,138,520 4,402WEA INS CORP7227358 4,40272.23% 0.02% 99.80%$1,027,462 9,329BERKSHIRE HATHAWAY GRP3159 5,44313.90% 0.02% 99.82%

$995,631 4,150LOUISIANA HLTH SERV GRP43860 4,15049.43% 0.02% 99.84%$986,760 2,868HEALTHMARKETS GRP26461 2,8687.97% 0.02% 99.86%$859,697 5,481UNITED HERITAGE MUT GRP287862 5,48163.65% 0.02% 99.88%$855,088 5,697FEDERATED MUT GRP763 5,69628.58% 0.02% 99.90%$820,458 3,591NATIONAL GUARDIAN LIFE INS GRP121164 3,59161.70% 0.02% 100.00%$680,976 2,478NEW ERA LIFE GRP52065 4759.55% 0.01% 100.00%$543,334 1,820CNO FINANCIAL GRP23366 1,82033.83% 0.01% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Disability Income - Short-Term

$492,649 1,162HORACE MANN GRP30067 1,16216.49% 0.01% 100.00%$278,801 837ASSURITY LIFE INS CO7143968 83748.86% 0.01% 100.00%$249,371 0COMMERCIAL TRAVELERS MUT INS CO8142669 022.42% 0.01% 100.00%$243,821 1,069NIPPON LIFE INS CO OF AMER8126470 1,06953.30% 0.00% 100.00%$237,231 1,153EMC NATL LIFE CO6292871 1,15334.01% 0.00% 100.00%$228,148 4,672CENTRAL STATES GRP69072 4,67267.76% 0.00% 100.00%$212,595 1,162ATHENE GRP473473 89442.32% 0.00% 100.00%$174,207 0ASSOCIATED MUT8788274 043.25% 0.00% 100.00%$162,611 3,008KERNAN GRP338475 6152.65% 0.00% 100.00%$137,621 1,686US HLTH & LIFE INS CO INC9777276 40.00% 0.00% 100.00%

$83,850 467ZURICH INS GRP21277 378(1,143.09)% 0.00% 100.00%$75,232 0USIC GRP359378 060.00% 0.00% 100.00%$68,324 508AMERICAN ENTERPRISE MUT GRP352779 508379.52% 0.00% 100.00%$63,036 143TOWN & COUNTRY LIFE INS CO7767480 125.65% 0.00% 100.00%$51,476 206MINNESOTA MUT GRP86981 238.42% 0.00% 100.00%$44,958 109MEDICAL BENEFITS MUT LIFE INS CO7432282 10939.91% 0.00% 100.00%$29,848 89COUNTRY INS & FIN SERV GRP5083 8920.45% 0.00% 100.00%$25,051 28PAN AMER LIFE GRP52584 2243.76% 0.00% 100.00%$19,881 97MISSISSIPPI INS GRP112685 240.00% 0.00% 100.00%$17,288 53AMALGAMATED LIFE & HLTH INS CO6020886 5373.52% 0.00% 100.00%$12,573 68BALTIMORE LIFE INS CO6121287 68167.94% 0.00% 100.00%$12,497 45FEDERAL LIFE INS CO6322388 4574.70% 0.00% 100.00%$11,552 43BEST LIFE & HLTH INS CO9063889 4377.61% 0.00% 100.00%$11,429 125SOUTHERN FARM BUREAU LIFE INS CO6889690 1257.84% 0.00% 100.00%$10,910 18PROTECTIVE LIFE INS GRP45891 180.00% 0.00% 100.00%

$9,254 0COLONIAL SAVINGS GRP87892 00.00% 0.00% 100.00%$9,157 29KEMPER CORP GRP21593 2737.99% 0.00% 100.00%$8,603 0TEACHERS PROTECTIVE MUT LIFE INS CO6935394 09.58% 0.00% 100.00%$8,498 0SOUTHLAND NATL HOLDING GRP482795 0(59.21)% 0.00% 100.00%$8,161 2GUARANTEE TRUST GRP68796 229.41% 0.00% 100.00%$7,873 0WMI MUT INS CO6842097 00.00% 0.00% 100.00%$7,294 0US ALLIANCE LIFE & SECURITY CO1416598 9080.00% 0.00% 100.00%$5,169 18CITIZENS SECURITY LIFE INS CO6192199 18121.61% 0.00% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Disability Income - Short-Term

$4,959 31AXIS CAPITAL GRP3416100 13373.62% 0.00% 100.00%$767 10AXA INS GRP968101 1088.66% 0.00% 100.00%

$4,915,902,243 22,229,012GRAND TOTAL 9,420,70768.66% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Disability Income - Long-Term

$1,643,151,954 5,399,562UNUMPROVIDENT CORP GRP5651 45,37488.53% 14.11% 14.11%$1,401,434,752 6,349,376CIGNA HLTH GRP9012 9,10685.20% 12.04% 26.15%$1,284,045,141 3,903,752METROPOLITAN GRP2413 12,47494.70% 11.03% 37.18%$1,029,751,133 4,071,537HARTFORD FIRE & CAS GRP914 11,58781.30% 8.85% 46.03%

$730,694,498 2,856,650STANCORP FIN GRP13485 2,856,65085.15% 6.28% 52.30%$664,233,463 3,231,980LIBERTY MUT GRP1116 3,226,11191.08% 5.71% 58.01%$625,209,416 2,047,056AETNA GRP17 2,047,05670.09% 5.37% 63.38%$591,999,417 2,644,704LINCOLN NATL GRP208 23,58686.50% 5.09% 68.47%$581,655,381 2,232,632PRUDENTIAL OF AMER GRP3049 3,15880.90% 5.00% 73.46%$428,701,463 1,835,738SUN LIFE ASSUR CO OF CN GRP54910 15,81479.00% 3.68% 77.14%$409,767,508 1,751,701TOKIO MARINE HOLDINGS INC GRP309811 14,25781.92% 3.52% 80.66%$362,761,367 1,590,734GUARDIAN LIFE GRP42912 1,590,73479.87% 3.12% 83.78%$292,948,368 528,078AMERICAN FIDELITY CORP GRP33013 525,84853.86% 2.52% 86.30%$252,614,393 1,227,700MUTUAL OF OMAHA GRP26114 1,227,69068.56% 2.17% 88.47%$241,310,954 934,264PRINCIPAL FIN GRP33215 934,26470.37% 2.07% 90.54%$204,768,146 521,013ASSURANT INC GRP1916 520,96663.81% 1.76% 92.30%$117,626,579 112,260NEW YORK LIFE GRP82617 111,80473.35% 1.01% 93.31%$116,886,899 358,407AMERICAN INTL GRP1218 358,40971.19% 1.00% 94.31%

$97,466,564 170,507NORTHWESTERN MUT GRP86019 9,96648.73% 0.84% 95.15%$63,501,634 1,621HCSC GRP91720 1,621100.79% 0.55% 95.70%$58,780,759 307,529GENEVE HOLDINGS INC GRP45021 307,52948.79% 0.50% 96.20%$57,425,139 278,126VOYA FINANCIAL GRP483222 278,12691.22% 0.49% 96.69%$54,760,005 299,818ANTHEM INC GRP67123 299,81861.46% 0.47% 97.16%$42,590,279 0GREAT WEST GRP76924 0107.74% 0.37% 97.53%$41,961,390 172,398ARKANSAS BCBS GRP87625 51168.51% 0.36% 97.89%$40,988,569 221,069ONEAMERICA FIN PARTNERS GRP61926 221,06974.50% 0.35% 98.24%$30,593,571 157,868WHITE MOUNTAINS GRP112927 157,86867.56% 0.26% 98.51%$30,461,571 36,869UNITEDHEALTH GRP70728 36,86950.84% 0.26% 98.77%$18,178,748 43,949BOSTON MUT GRP58129 43,94946.54% 0.16% 98.92%$10,815,680 66,570KANSAS CITY LIFE INS GRP58830 66,56964.48% 0.09% 99.02%$10,812,084 9,439PENN MUT GRP85031 9,439252.40% 0.09% 99.11%

$8,260,792 31,213BCBS OF SC GRP66132 31,21326.68% 0.07% 99.18%$8,227,738 33,984SENTRY INS GRP16933 33,984117.22% 0.07% 99.25%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Disability Income - Long-Term

$8,092,085 33,423HUMANA GRP11934 33,42381.65% 0.07% 99.32%$6,937,112 21,787NATIONWIDE CORP GRP14035 19,79932.62% 0.06% 99.38%$5,674,893 14,287ZURICH INS GRP21236 18,01160.11% 0.05% 99.43%$4,962,721 1,289FIDELITY SECURITY GRP45137 1,28749.63% 0.04% 99.47%$4,269,141 9,562MINNESOTA MUT GRP86938 4,96524.29% 0.04% 99.51%$4,081,170 20,306WEA INS CORP7227339 20,306113.35% 0.04% 99.54%$3,401,905 8,083MUTUAL OF AMER LIFE INS CO8866840 8,08336.57% 0.03% 99.57%$3,248,683 0TRIPLE S GRP480241 073.13% 0.03% 99.60%$3,138,239 5,689TRUSTMARK MUT HOLDING CO GRP27642 5,68944.60% 0.03% 99.63%$2,947,937 13,061GUIDEWELL MUT HOLDING GRP53643 9729.44% 0.03% 99.65%$2,915,289 16,393MEDICAL MUT OF OH GRP73044 16,39382.38% 0.03% 99.68%$2,742,287 6,941NATIONAL GUARDIAN LIFE INS GRP121145 6,94180.71% 0.02% 99.70%$2,575,808 13,701SECURITY MUT LIFE INS CO OF NY6877246 376117.35% 0.02% 99.72%$2,487,785 13,284UNITED HERITAGE MUT GRP287847 13,28477.03% 0.02% 99.74%$2,443,469 10,716AFLAC GRP37048 9,15220.65% 0.02% 99.77%$2,211,841 0NATIONAL INS CO OF WI INS3015549 015.89% 0.02% 99.78%$2,139,621 12,990UNIVERSAL INS CO GRP7150 12,99046.99% 0.02% 99.80%$2,097,396 11,376WISCONSIN PHYSICIANS SERV INS GRP6851 33651.89% 0.02% 99.82%$1,749,549 5,282COUNTRY INS & FIN SERV GRP5052 5,28261.29% 0.02% 99.84%$1,597,815 3,693SOUTHERN FARM BUREAU LIFE INS CO6889653 3,693129.66% 0.01% 99.85%$1,505,469 4,366AUTO OWNERS GRP28054 4,36667.56% 0.01% 99.86%$1,407,792 8,256PACIFIC GUARDIAN LIFE INS CO LTD6434355 8,25653.70% 0.01% 99.88%$1,397,354 4,320LOUISIANA HLTH SERV GRP43856 4,32092.82% 0.01% 99.89%$1,386,464 3,677CINCINNATI FIN GRP24457 3,677137.95% 0.01% 99.90%$1,231,771 5,402HORACE MANN GRP30058 5,40250.85% 0.01% 100.00%$1,133,580 8,181MULTINATIONAL GRP480459 8,181113.94% 0.01% 100.00%$1,106,469 6,980BCBS OF KS GRP43060 17867.52% 0.01% 100.00%

$971,353 2,973ALLSTATE INS GRP861 2,973(25.02)% 0.01% 100.00%$860,356 731PROTECTIVE LIFE INS GRP45862 7318.31% 0.01% 100.00%$808,252 117AMERICAN NATL FIN GRP40863 11791.73% 0.01% 100.00%$638,238 3,098NIPPON LIFE INS CO OF AMER8126464 3,098141.05% 0.01% 100.00%$612,596 1,988HIGHMARK GRP81265 1,00091.43% 0.01% 100.00%$539,558 26CNO FINANCIAL GRP23366 2682.05% 0.00% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Disability Income - Long-Term

$383,161 2,362EMC NATL LIFE CO6292867 2,36225.43% 0.00% 100.00%$379,325 0TEACHERS PROTECTIVE MUT LIFE INS CO6935368 045.41% 0.00% 100.00%$332,037 0COOPERATIVA DE SEGUROS DE VIDA7971569 066.66% 0.00% 100.00%$288,213 625BENEFICIAL LIFE GRP61570 62594.83% 0.00% 100.00%$278,503 741SHELTERPOINT GRP INC480371 741(25.95)% 0.00% 100.00%$248,658 760UNION LABOR GRP78172 76030.00% 0.00% 100.00%$238,880 365BALTIMORE LIFE INS CO6121273 365137.85% 0.00% 100.00%$205,341 0ALLIANZ INS GRP76174 0216.04% 0.00% 100.00%$193,872 0DELAWARE LIFE HOLDING GRP479475 0(1,607.61)% 0.00% 100.00%$191,560 613MISSOURI FARM BUREAU GRP51476 61350.68% 0.00% 100.00%$168,549 0COMMERCIAL TRAVELERS MUT INS CO8142677 0(332.07)% 0.00% 100.00%$146,883 575ROYAL STATE NATL INS CO LTD6855178 231.93% 0.00% 100.00%$113,235 427PEKIN INS GRP15379 42718.34% 0.00% 100.00%

$96,056 251CHEROKEE INS CO1064280 1952.48% 0.00% 100.00%$74,059 116INVESTORS HERITAGE LIFE INS CO6490481 1125.83% 0.00% 100.00%$71,690 122AMERICAN ENTERPRISE MUT GRP352782 122379.52% 0.00% 100.00%$53,228 135WILTON RE GRP421383 1351,836.85% 0.00% 100.00%$52,174 0USIC GRP359384 060.00% 0.00% 100.00%$39,507 97AMALGAMATED LIFE INS CO6021685 469.14% 0.00% 100.00%$39,307 82JACKSON NATL GRP91886 82238.01% 0.00% 100.00%$37,914 121ASSURITY LIFE INS CO7143987 12153.94% 0.00% 100.00%$35,873 318INTER AMER GRP86388 1145.42% 0.00% 100.00%$35,331 30BEST LIFE & HLTH INS CO9063889 307.74% 0.00% 100.00%$32,110 137TIPTREE FIN GRP471890 1374.53% 0.00% 100.00%$24,790 0ASSOCIATED MUT8788291 0(120.89)% 0.00% 100.00%$24,699 222ILLINOIS MUT LIFE INS CO6458092 222343.39% 0.00% 100.00%$19,007 20UNIFIED LIFE INS CO1112193 2018.09% 0.00% 100.00%$12,450 86FIDELITY LIFE ASSN A LEGAL RESERVE L6329094 08.22% 0.00% 100.00%

$9,362 16AMERIPRISE FIN GRP495 16(43.10)% 0.00% 100.00%$9,302 0US ALLIANCE LIFE & SECURITY CO1416596 1,1580.00% 0.00% 100.00%$8,087 15MISSISSIPPI INS GRP112697 1806.95% 0.00% 100.00%$7,802 26SAMMONS ENTERPRISES GRP43198 26804.10% 0.00% 100.00%$5,102 2GENWORTH FIN GRP401199 2126.81% 0.00% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Disability Income - Long-Term

$3,676 16AXA INS GRP968100 1669.91% 0.00% 100.00%$1,850 24SAGICOR LIFE INS CO60445101 24352.86% 0.00% 100.00%$1,462 0PAN AMER LIFE GRP525102 04,450.00% 0.00% 100.00%$1,301 4,194JOHN HANCOCK GRP904103 3,934(116,412.22)% 0.00% 100.00%

$730 0CITIZENS SECURITY LIFE INS CO61921104 02,109.86% 0.00% 100.00%$197 1FEDERAL LIFE INS CO63223105 10.00% 0.00% 100.00%

$1 15GENERAL ELECTRIC GRP350106 158,262,800.00% 0.00% 100.00%

$11,641,561,632 43,712,702GRAND TOTAL 15,267,93382.60% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Long-Term Care

$780,401,183 615,853JOHN HANCOCK GRP9041 615,85359.47% 34.22% 34.22%$346,389,728 859,071UNUMPROVIDENT CORP GRP5652 8,519127.59% 15.19% 49.41%$299,411,795 260,181METROPOLITAN GRP2413 265(83.48)% 13.13% 62.54%$292,671,109 197,391GENWORTH FIN GRP40114 188,848124.93% 12.83% 75.38%$175,462,559 150,215PRUDENTIAL OF AMER GRP3045 69899.61% 7.69% 83.07%$168,558,804 226,344CNA INS GRP2186 226,344173.91% 7.39% 90.47%

$43,905,929 54,940AETNA GRP17 54,940163.09% 1.93% 92.39%$34,924,448 21,319AEGON US HOLDING GRP4688 20,568103.18% 1.53% 93.92%$26,666,271 22,166MUTUAL OF OMAHA GRP2619 22,166147.28% 1.17% 95.09%$23,070,797 19,691WEA INS CORP7227310 12,613117.04% 1.01% 96.10%$18,727,280 28,463LIFETIME HLTHCARE GRP118611 28,463344.79% 0.82% 96.93%$16,479,244 12,311HC2 HOLDINGS GRP485212 12,311138.41% 0.72% 97.65%$11,651,785 5,433AMERIPRISE FIN GRP413 5,433160.31% 0.51% 98.16%

$7,922,211 6,630GUIDEWELL MUT HOLDING GRP53614 6,630250.42% 0.35% 98.51%$7,302,335 4,852BCBS OF AL GRP57015 4,852146.64% 0.32% 98.83%$4,749,253 2,464CNO FINANCIAL GRP23316 2,462242.22% 0.21% 99.04%$4,112,844 4,846NEW YORK LIFE GRP82617 4,846224.15% 0.18% 99.22%$2,845,377 1,651HARTFORD FIRE & CAS GRP9118 1234.12% 0.12% 99.34%$2,024,416 1,528ALLSTATE INS GRP819 2,126629.05% 0.09% 99.43%$1,878,276 2,426AMERICAN FIDELITY CORP GRP33020 2,426146.14% 0.08% 99.51%$1,871,015 1,121PREMERA BLUE CROSS GRP96221 1,121167.79% 0.08% 99.59%$1,385,215 1,459SENIOR HLTH INS CO OF PA7632522 1,458514.43% 0.06% 99.65%$1,229,044 2,435CIGNA HLTH GRP90123 2,43541.69% 0.05% 99.71%$1,227,059 35,895FIDELITY LIFE ASSN A LEGAL RESERVE L6329024 0157.99% 0.05% 99.76%$1,105,043 3,100PRINCIPAL FIN GRP33225 3,1001,877.53% 0.05% 99.81%$1,045,940 689BCBS OF NC INC5463126 689142.84% 0.05% 99.86%

$701,914 543AMERICAN ENTERPRISE MUT GRP352727 453680.98% 0.03% 99.89%$636,844 0NESTLE SA GRP448328 0(62.47)% 0.03% 100.00%$433,114 258GOLDMAN SACHS GRP389129 25831.68% 0.02% 100.00%$295,629 240TIAA FAMILY GRP121630 240277.77% 0.01% 100.00%$271,751 385BCBS OF NE7778031 38545.13% 0.01% 100.00%$218,517 123ONEAMERICA FIN PARTNERS GRP61932 138.40% 0.01% 100.00%$158,893 1,819SENTRY INS GRP16933 1,8194,786.02% 0.01% 100.00%

© 2016 National Association of Insurance Commissioners 209

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Long-Term Care

$120,378 301ALLIANZ INS GRP76134 301(236.21)% 0.01% 100.00%$90,809 60GROUP HLTH COOP GRP118535 60321.84% 0.00% 100.00%$73,587 122AMERICAN FINANCIAL GRP8436 122308.35% 0.00% 100.00%$64,390 82VOYA FINANCIAL GRP483237 82261.97% 0.00% 100.00%$51,045 33UNIVERSAL AMER FIN CORP GRP95338 33307.64% 0.00% 100.00%$40,260 222HIGHMARK GRP81239 222448.70% 0.00% 100.00%$33,796 99TRUSTMARK MUT HOLDING CO GRP27640 9914.86% 0.00% 100.00%$26,749 20FORTRESS GRP471641 3(956.95)% 0.00% 100.00%$18,145 25AMERICAN INTL GRP1242 251,298.94% 0.00% 100.00%$12,386 5UNITED SECURITY ASSUR CO OF PA4212943 5691.84% 0.00% 100.00%

$9,714 15SAGICOR LIFE INS CO6044544 1579.84% 0.00% 100.00%$4,721 9MINNESOTA MUT GRP86945 3639.36% 0.00% 100.00%$4,040 9PROTECTIVE LIFE INS GRP45846 950.50% 0.00% 100.00%$1,129 0HCSC GRP91747 04,145.53% 0.00% 100.00%

$395 3CAMBIA HEALTH SOLUTIONS INC120748 30.00% 0.00% 100.00%

$2,280,287,166 2,546,913GRAND TOTAL 1,233,37182.97% 100.00%

© 2016 National Association of Insurance Commissioners 210

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Medicare Supplement (Medigap)

$5,762,302,289 2,582,291UNITEDHEALTH GRP7071 2,564,93079.76% 85.94% 85.94%$137,005,520 52,502AEGON US HOLDING GRP4682 51,11276.09% 2.04% 87.98%

$99,005,142 31,106ANTHEM INC GRP6713 30,21979.23% 1.48% 89.46%$96,754,602 24,128HARVARD PILGRIM HLTH CARE GRP5954 24,12883.80% 1.44% 90.90%$75,294,829 24,234AMERICAN ENTERPRISE MUT GRP35275 23,53677.12% 1.12% 92.02%$57,486,288 17,312PRINCIPAL FIN GRP3326 16,05677.70% 0.86% 92.88%$57,357,162 19,697BCBS OF MA GRP36377 19,69783.14% 0.86% 93.74%$38,283,506 13,175MUTUAL OF OMAHA GRP2618 13,17280.22% 0.57% 94.31%$37,022,983 14,390CNO FINANCIAL GRP2339 13,86584.62% 0.55% 94.86%$34,186,485 111,428HARTFORD FIRE & CAS GRP9110 32670.11% 0.51% 95.37%$32,015,876 12,673PREMERA BLUE CROSS GRP96211 12,67371.86% 0.48% 95.85%$31,412,857 7,644BCBS OF NE7778012 7,64472.70% 0.47% 96.32%$26,209,198 15,581BCBS OF TN GRP349813 15,58188.30% 0.39% 96.71%$23,668,093 18,981INDEPENDENCE HLTH GRP INC GRP93614 18,39383.73% 0.35% 97.06%$19,149,311 8,258BCBS OF KS GRP43015 8,25879.33% 0.29% 97.35%$15,917,494 5,830UNIVERSAL AMER FIN CORP GRP95316 5,77284.94% 0.24% 97.58%$15,759,600 7,266TUFTS GRP474217 7,26675.57% 0.24% 97.82%$15,640,773 7,114BCBS OF RI5347318 7,11472.79% 0.23% 98.05%$15,615,833 4,118HCSC GRP91719 4,11879.49% 0.23% 98.28%$15,348,004 6,965BCBS OF MN GRP46120 6,96588.45% 0.23% 98.51%$13,898,649 5,771TORCHMARK CORP GRP29021 5,77170.20% 0.21% 98.72%$11,030,459 3,593AMERICAN NATL FIN GRP40822 3,59370.57% 0.16% 98.89%

$9,809,251 4,687WELLMARK INC GRP77023 4,68772.74% 0.15% 99.03%$8,814,204 3,996LIFETIME HLTHCARE GRP118624 3,99676.28% 0.13% 99.16%$5,452,428 27,812AETNA GRP125 27,81275.93% 0.08% 99.24%$4,513,528 1,471CIGNA HLTH GRP90126 1095.12% 0.07% 99.31%$4,355,082 3,925HEARTLAND NATL LIFE INS CO6621427 3,92576.19% 0.06% 99.38%$4,053,497 1,914SANFORD HLTH GRP124628 1,91487.92% 0.06% 99.44%$4,016,654 1,105AMERCO CORP GRP57429 1,10553.86% 0.06% 99.50%$3,751,641 1,252EDUCATORS MUT GRP12630 1655.85% 0.06% 99.55%$3,327,963 1,388CAMBIA HEALTH SOLUTIONS INC120731 1,38860.43% 0.05% 99.60%$3,304,604 1,588AMALGAMATED LIFE & HLTH INS CO6020832 1,45163.30% 0.05% 99.65%$3,236,854 68NATIONWIDE CORP GRP14033 5154.29% 0.05% 99.70%

© 2016 National Association of Insurance Commissioners 211

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Medicare Supplement (Medigap)

$2,778,609 969MEDICAL MUT OF OH GRP73034 96979.01% 0.04% 99.74%$2,655,769 303HIGHMARK GRP81235 30383.07% 0.04% 99.78%$2,442,649 875CENTRAL STATES GRP69036 87582.91% 0.04% 99.82%$1,976,581 1,174TENNESSEE RURAL HLTH GRP467737 1,17473.10% 0.03% 99.85%$1,676,397 1,340MERCY HLTH CORP GRP359538 1,34094.21% 0.03% 99.87%$1,445,387 350HC2 HOLDINGS GRP485239 35071.93% 0.02% 99.89%$1,206,821 462ISMIE GRP235840 46255.81% 0.02% 100.00%$1,099,671 437PHYSICIANS MUT GRP36741 43765.09% 0.02% 100.00%

$979,330 461BCBS OF VT GRP474542 46167.43% 0.01% 100.00%$756,902 243WISCONSIN PHYSICIANS SERV INS GRP6843 24354.07% 0.01% 100.00%$756,609 535GUNDERSEN LUTHERAN HLTH GRP475144 53581.26% 0.01% 100.00%$514,580 168WMI MUT INS CO6842045 16875.16% 0.01% 100.00%$444,735 169GENERAL ELECTRIC GRP35046 16968.21% 0.01% 100.00%$428,569 105GUARANTEE TRUST GRP68747 10563.80% 0.01% 100.00%$314,624 135UNION LABOR GRP78148 135247.77% 0.00% 100.00%$234,219 82AFLAC GRP37049 82115.50% 0.00% 100.00%$161,390 86FARMERS INS GRP6950 373.53% 0.00% 100.00%$152,996 100ALLIANZ INS GRP76151 100167.59% 0.00% 100.00%

$25,047 65AMERICAN INTL GRP1252 65491.07% 0.00% 100.00%$17,917 13RENOWN HLTH GRP479153 1310.98% 0.00% 100.00%$14,696 11CUNA MUT GRP30654 1165.00% 0.00% 100.00%

$9,095 3MISSISSIPPI INS GRP112655 3(104.31)% 0.00% 100.00%$6,179 11PRIMERICA GRP475056 112.78% 0.00% 100.00%$6,110 3VOYA FINANCIAL GRP483257 3139.21% 0.00% 100.00%$2,985 3GREAT WEST GRP76958 31,710.25% 0.00% 100.00%

$1 0SENTRY INS GRP16959 00.00% 0.00% 100.00%

$6,705,105,516 3,051,366GRAND TOTAL 2,914,56479.58% 100.00%

© 2016 National Association of Insurance Commissioners 212

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Federal Employees Health Benefit Plans

$8,149,938,079 1,298,922ANTHEM INC GRP6711 621,26991.42% 22.11% 22.11%$4,836,413,422 805,258HCSC GRP9172 368,20591.43% 13.12% 35.23%$3,538,933,917 642,217CAREFIRST INC GRP3803 323,30591.08% 9.60% 44.83%$2,243,674,506 360,243GUIDEWELL MUT HOLDING GRP5364 180,54992.10% 6.09% 50.91%$1,392,213,739 303,153AETNA GRP15 143,83979.75% 3.78% 54.69%$1,303,284,351 311,216HIGHMARK GRP8126 155,240113.82% 3.54% 58.23%$1,223,162,973 211,542KAISER FOUNDATION GRP6017 102,07291.34% 3.32% 61.54%$1,066,236,794 164,543BCBS OF NC INC546318 80,20890.12% 2.89% 64.44%$1,046,493,378 214,255CAMBIA HEALTH SOLUTIONS INC12079 101,91490.45% 2.84% 67.28%

$777,905,268 127,457BCBS OF NJ GRP120210 61,27691.84% 2.11% 69.39%$763,902,711 147,723BCBS OF AL GRP57011 72,77693.49% 2.07% 71.46%$709,003,785 115,871BCBS OF MA GRP363712 58,28293.42% 1.92% 73.38%$649,631,338 101,700BCBS OF TN GRP349813 48,88988.98% 1.76% 75.14%$649,168,207 134,823PREMERA BLUE CROSS GRP96214 64,08593.57% 1.76% 76.90%$576,300,778 111,808BCBS OF MI GRP57215 51,14488.82% 1.56% 78.47%$569,780,213 110,354BCBS OF AZ INC5358916 50,60089.03% 1.55% 80.01%$527,841,504 80,473BCBS OF MN GRP46117 34,55190.80% 1.43% 81.45%$504,927,769 81,840BCBS OF SC GRP66118 40,69490.51% 1.37% 82.82%$410,683,976 69,683UNITEDHEALTH GRP70719 33,35182.02% 1.11% 83.93%$396,531,035 70,561LOUISIANA HLTH SERV GRP43820 32,28889.65% 1.08% 85.00%$365,434,321 234,724HUMANA GRP11921 104,92498.13% 0.99% 86.00%$364,592,328 75,299WELLMARK INC GRP77022 34,49390.82% 0.99% 86.99%$360,946,116 45,734EMBLEM HLTH GRP112723 27,56592.86% 0.98% 87.96%$343,204,253 50,702GROUP HLTH COOP GRP118524 25,14290.61% 0.93% 88.90%$336,092,988 66,267MISSISSIPPI INS GRP112625 32,36291.43% 0.91% 89.81%$334,790,143 66,623HAWAII MEDICAL SERV ASSN4994826 33,16590.38% 0.91% 90.72%$309,594,179 44,132BCBS OF KC GRP53727 20,88491.62% 0.84% 91.56%$265,789,939 79,245INDEPENDENCE HLTH GRP INC GRP93628 42,47397.03% 0.72% 92.28%$254,810,357 89,082CAPITAL BLUE CROSS GRP123029 38,85189.87% 0.69% 92.97%$246,823,834 54,161ARKANSAS BCBS GRP87630 25,60488.82% 0.67% 93.64%$231,212,782 35,497BCBS OF NE7778031 15,78790.78% 0.63% 94.26%$217,555,846 46,120BCBS OF KS GRP43032 21,46588.15% 0.59% 94.85%$155,824,069 46,471TRIPLE S GRP480233 46,47191.62% 0.42% 95.28%

© 2016 National Association of Insurance Commissioners 213

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Federal Employees Health Benefit Plans

$148,409,192 31,990LIFETIME HLTHCARE GRP118634 15,21689.25% 0.40% 95.68%$142,013,720 20,611MVP GRP119835 11,077101.32% 0.39% 96.06%$127,011,150 35,112BLUE CROSS OF ID GRP129036 15,99390.12% 0.34% 96.41%$111,864,373 22,615BCBS OF RI5347337 11,26188.98% 0.30% 96.71%$108,422,768 17,067HENRY FORD HLTH SYSTEM GRP131138 8,75395.00% 0.29% 97.01%$107,618,796 19,792NORIDIAN MUT INS CO5589139 8,88992.02% 0.29% 97.30%$97,156,548 16,966BCBS OF WY5376740 7,98191.59% 0.26% 97.56%$96,727,009 865,909VISION SERV PLAN GRP118941 396.26% 0.26% 97.82%$87,282,937 13,041INDEPENDENT HLTH BENEFITS CORP4703442 7,39097.46% 0.24% 98.06%$79,878,802 11,604UPMC HLTH SYSTEM GRP132443 6,47787.58% 0.22% 98.28%$79,766,692 14,543BCBS OF VT GRP474544 6,80691.81% 0.22% 98.49%$61,911,385 24,321HEALTH NOW NY INC5520445 10,77487.25% 0.17% 98.66%$61,128,020 9,112PRESBYTERIAN HLTHCARE SERV GRP48146 4,46885.92% 0.17% 98.83%$58,766,261 9,639CDPHP INC GRP470847 5,16287.57% 0.16% 98.99%$46,129,000 10,900HEALTHPARTNERS GRP125848 6,21092.43% 0.13% 99.11%$44,980,849 5,222HEALTH NET INC GRP62349 3,10891.20% 0.12% 99.23%$38,308,121 123,361DENTEGRA GRP247950 60,02678.93% 0.10% 99.34%$36,892,577 5,930HEALTHSPAN PARTNERS GRP483151 1103.52% 0.10% 99.44%$33,831,301 4,022DEAN HLTH GRP129452 2,35795.05% 0.09% 99.53%$31,185,971 4,914GROUP HLTH COOP OF S CENTRAL WI9531153 2,431100.94% 0.08% 99.62%$24,429,354 3,303CARLE HOLDING CO GRP119254 1,84499.08% 0.07% 99.68%$22,848,468 6,253IHC INC GRP88055 2,06596.13% 0.06% 99.74%$20,782,880 3,474AVMED INC9526356 1,62888.90% 0.06% 99.80%$18,090,304 2,929HEALTHPLUS OF MI GRP340957 1,29894.60% 0.05% 99.85%$15,998,287 2,486AULTMAN HLTH FOUNDATION GRP480558 1,21894.79% 0.04% 99.89%

$8,818,919 867FALLON GRP474159 61792.75% 0.02% 100.00%$7,119,333 1,443GLOBALHEALTH HOLDINGS GRP482160 65384.44% 0.02% 100.00%$6,985,251 986GEISINGER INS GRP114361 61352.99% 0.02% 100.00%$4,941,194 744GRAND VALLEY HLTH PLAN INC9545362 39193.45% 0.01% 100.00%$4,029,416 925SCOTT & WHITE GRP60063 40761.57% 0.01% 100.00%$2,544,541 505FIRSTCARE GRP354964 270109.11% 0.01% 100.00%$2,220,837 482CATHOLIC HLTH INITIATIVES GRP480765 21185.43% 0.01% 100.00%$1,653,626 292MERCY HLTH CORP GRP359566 12095.66% 0.00% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Federal Employees Health Benefit Plans

$1,621,948 210PHP INDIANA GRP382867 10176.71% 0.00% 100.00%$920,834 244SPECTRUM HLTH GRP338368 24485.56% 0.00% 100.00%$877,126 148SANFORD HLTH GRP124669 6790.78% 0.00% 100.00%$777,976 162PIEDMONT COMM HLTH GRP484570 197.55% 0.00% 100.00%$166,981 0SENTARA HLTH MGMT GRP118371 0(642.51)% 0.00% 100.00%

$9,284 0MEDICA GRP155272 0(13.21)% 0.00% 100.00%$754 1NATIONWIDE CORP GRP14073 1(127.98)% 0.00% 100.00%

$36,863,821,683 7,689,824GRAND TOTAL 3,299,85591.67% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Tricare

$27,018,870 0DELTA DENTAL PLAN OF MO GRP36801 0101.98% 73.54% 73.54%$9,720,394 0CORVESTA GRP47292 15,281102.47% 26.46% 100.00%

$879 1JACKSON NATL GRP9183 1104.21% 0.00% 100.00%

$36,740,143 1GRAND TOTAL 15,282102.11% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Dental

$4,257,729,470 10,063,167METROPOLITAN GRP2411 58,12680.68% 19.54% 19.54%$1,977,417,520 4,566,613GUARDIAN LIFE GRP4292 2,743,68067.23% 9.07% 28.61%$1,725,976,838 4,280,850AETNA GRP13 2,015,65575.85% 7.92% 36.53%$1,341,892,062 4,662,278DENTEGRA GRP24794 1,979,15774.83% 6.16% 42.69%$1,267,412,548 3,904,380CIGNA HLTH GRP9015 66,46577.72% 5.82% 48.50%$1,042,209,520 3,676,547RENAISSANCE HLTH SERV CORP GRP4776 222,92585.63% 4.78% 53.28%

$801,577,498 2,980,780HIGHMARK GRP8127 1,813,59893.24% 3.68% 56.96%$793,437,771 2,483,242UNITEDHEALTH GRP7078 1,358,67072.45% 3.64% 60.60%$624,642,932 1,638,738PRINCIPAL FIN GRP3329 868,69766.07% 2.87% 63.47%$581,124,881 1,392,925ANTHEM INC GRP67110 748,09466.78% 2.67% 66.13%$564,521,833 1,986,360HUMANA GRP11911 1,129,04369.27% 2.59% 68.72%$535,210,071 831,845AMERITAS MUT HOLDING GRP94312 13,06269.07% 2.46% 71.18%$444,369,687 941,254DELTA DENTAL OF WA4734113 4,72285.46% 2.04% 73.22%$387,465,659 1,320,573ASSURANT INC GRP1914 619,95865.83% 1.78% 75.00%$281,116,056 595,869BCBS OF MA GRP363715 285,98177.31% 1.29% 76.29%$260,414,303 589,046DENTAQUEST GRP451216 3,72775.57% 1.19% 77.48%$234,103,825 694,402CORVESTA GRP472917 357,55279.36% 1.07% 78.55%$227,135,596 323,677LINCOLN NATL GRP2018 5,81071.21% 1.04% 79.60%$203,199,195 584,947DELTA DENTAL OF WI GRP384919 261,62684.91% 0.93% 80.53%$188,157,123 488,546HCSC GRP91720 228,32859.32% 0.86% 81.39%$185,040,378 645,284BCBS OF SC GRP66121 346,13172.48% 0.85% 82.24%$165,348,477 87,624KAISER FOUNDATION GRP60122 61,78681.13% 0.76% 83.00%$155,144,231 1,789,584DELTA DENTAL PLAN OF MO GRP368023 868,57575.86% 0.71% 83.71%$153,976,852 499,728BCBS OF NJ GRP120224 245,81670.23% 0.71% 84.42%$145,048,362 416,061DELTA DENTAL OF OK5393725 00.00% 0.67% 85.08%$140,426,514 409,275DELTA DENTAL OF MN5503426 14,14974.06% 0.64% 85.73%$133,436,619 261,518SUN LIFE ASSUR CO OF CN GRP54927 4,81576.51% 0.61% 86.34%$131,178,283 321,702DELTA DENTAL OF RI GRP157128 5,99277.84% 0.60% 86.94%$130,473,417 438,056COLORADO DENTAL SERV INC5587529 273,25375.71% 0.60% 87.54%$129,489,277 287,747NORTHEAST DELTA DENTAL GRP476330 149,12376.02% 0.59% 88.14%$124,668,315 425,808BCBS OF TN GRP349831 221,22478.07% 0.57% 88.71%$114,703,981 236,716STANCORP FIN GRP134832 164,97369.65% 0.53% 89.23%$111,080,422 397,942BCBS OF AL GRP57033 199,43870.95% 0.51% 89.74%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Dental

$109,113,553 378,491EMBLEM HLTH GRP112734 176,67477.54% 0.50% 90.24%$107,371,470 266,916WILLAMETTE DENTAL GRP350335 119,03490.86% 0.49% 90.74%$105,929,933 379,903DELTA DENTAL PLAN OF AR INC4715536 200,26177.92% 0.49% 91.22%

$96,414,489 69,136CAREFIRST INC GRP38037 34,88265.76% 0.44% 91.67%$85,950,575 295,895NATIONAL GUARDIAN LIFE INS GRP121138 192,77070.42% 0.39% 92.06%$79,576,417 252,201DELTA DENTAL OF KS GRP463839 2,52079.09% 0.37% 92.42%$73,968,136 176,287TOKIO MARINE HOLDINGS INC GRP309840 3,02565.80% 0.34% 92.76%$72,657,730 152,001OREGON DENTAL GRP131341 78,58881.54% 0.33% 93.10%$66,891,848 220,321DENTAL CARE PLUS INC9626542 107,75076.10% 0.31% 93.40%$66,578,101 12,941BCBS OF MI GRP57243 5,53194.61% 0.31% 93.71%$62,678,658 379,500STARMOUNT LIFE INS CO6898544 203,69274.03% 0.29% 94.00%$60,245,769 0CHUBB LTD GRP62645 046.58% 0.28% 94.27%$58,787,788 214,275HEALTH RESOURCES INC9668746 075.00% 0.27% 94.54%$58,513,868 186,755LIFETIME HLTHCARE GRP118647 88,28179.28% 0.27% 94.81%$50,166,280 179,863GUIDEWELL MUT HOLDING GRP53648 95,94475.62% 0.23% 95.04%$49,859,467 141,513CAPITAL BLUE CROSS GRP123049 1,76869.43% 0.23% 95.27%$47,468,858 100,509CAMBIA HEALTH SOLUTIONS INC120750 56,22678.55% 0.22% 95.49%$43,974,102 144,676BCBS OF KS GRP43051 72,29287.21% 0.20% 95.69%$43,162,707 299,088HEALTHPLEX GRP8552 284,87998.20% 0.20% 95.89%$40,605,899 122,593MUTUAL OF OMAHA GRP26153 65,97774.64% 0.19% 96.07%$39,974,334 73,256PREMERA BLUE CROSS GRP96254 41,44978.33% 0.18% 96.26%$39,187,040 98,469BCBS OF NC INC5463155 54,56364.89% 0.18% 96.44%$38,820,824 103,459DELTA DENTAL PLAN OF ID INC4779156 51,23779.69% 0.18% 96.62%$38,340,547 139,367AMERICAN INTL GRP1257 73,35355.53% 0.18% 96.79%$33,852,065 0HAWAII MEDICAL SERV ASSN4994858 074.84% 0.16% 96.95%$33,135,561 94,237PHYSICIANS MUT GRP36759 79,76051.64% 0.15% 97.10%$31,091,131 82,048KANSAS CITY LIFE INS GRP58860 44,17066.57% 0.14% 97.24%$27,270,433 0ARKANSAS BCBS GRP87661 078.35% 0.13% 97.37%$27,217,283 126,306BLUE CROSS OF ID GRP129062 90,45286.46% 0.12% 97.49%$24,548,143 53,473BEST LIFE & HLTH INS CO9063863 30,08464.66% 0.11% 97.60%$23,840,199 66,852NORIDIAN MUT INS CO5589164 34,41293.00% 0.11% 97.71%$23,432,947 72,815WELLMARK INC GRP77065 35,81976.71% 0.11% 97.82%$22,972,426 18,787LOUISIANA HLTH SERV GRP43866 9,33467.52% 0.11% 97.93%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Dental

$22,964,009 51,905GENEVE HOLDINGS INC GRP45067 30,88852.18% 0.11% 98.03%$21,203,445 50,890MINNESOTA MUT GRP86968 28,27467.23% 0.10% 98.13%$20,584,900 91,040EDUCATORS MUT GRP12669 77074.06% 0.09% 98.22%$20,551,943 71,907AEGON US HOLDING GRP46870 47,92248.85% 0.09% 98.32%$19,231,582 16,594PACIFICSOURCE HLTH PLAN GRP470471 34,58873.65% 0.09% 98.41%$18,241,299 54,232BCBS OF RI5347372 27,41678.00% 0.08% 98.49%$16,683,000 313,728HEALTHPARTNERS GRP125873 149,39098.05% 0.08% 98.57%$15,896,547 28,012SOLSTICE BENEFITS INC1234174 71778.39% 0.07% 98.64%$14,794,138 617,416BCS INS GRP2375 306,15222.20% 0.07% 98.71%$14,436,094 46,905AMERICAN NATL FIN GRP40876 23,21554.39% 0.07% 98.77%$13,737,139 45,339BCBS OF KC GRP53777 24,91676.76% 0.06% 98.84%$13,351,511 39,196DELTA DENTAL PLAN OF WY1520078 83679.28% 0.06% 98.90%$12,036,039 29,147WISCONSIN PHYSICIANS SERV INS GRP6879 21077.16% 0.06% 98.95%$11,932,920 36,999MEDICAL MUT OF OH GRP73080 18,86171.57% 0.05% 99.01%$11,623,516 19,805NIPPON LIFE INS CO OF AMER8126481 9,10173.98% 0.05% 99.06%$11,433,416 38,558NATIONWIDE CORP GRP14082 23,50072.21% 0.05% 99.11%$11,248,448 33,853FIDELIO INS CO2823183 769.16% 0.05% 99.17%$10,928,233 27,428DENTAL ECONOMICS GRP450684 14,14983.40% 0.05% 99.22%$10,639,800 29,247IHC INC GRP88085 12,27975.69% 0.05% 99.26%$10,322,229 18,557CITIZENS SECURITY LIFE INS CO6192186 18,55765.80% 0.05% 99.31%

$9,331,129 28,704LIBERTY DENTAL PLAN GRP469287 059.62% 0.04% 99.35%$8,277,202 5WEA INS CORP7227388 486.12% 0.04% 99.39%$8,010,229 30,482FEDERATED MUT GRP789 14,50773.54% 0.04% 99.43%$7,520,530 67,372EMPLOYERS DENTAL SERV5309090 2,32853.21% 0.03% 99.46%$7,078,661 69HEALTH NOW NY INC5520491 4572.80% 0.03% 99.50%$6,554,992 8,845SOLSTICE HEALTH INS CO1397192 3273.61% 0.03% 99.53%$6,396,403 10,364DENTAL HLTH SERV4749093 25543.08% 0.03% 99.56%$6,072,437 25,163ATLANTIC SOUTHERN DENTAL FOUND1121794 793.80% 0.03% 99.58%$5,976,141 0UNIVERSITY HLTH ALLIANCE4795395 090.24% 0.03% 99.61%$5,008,989 18,995AMERICAN ENTERPRISE MUT GRP352796 18,99519.51% 0.02% 99.63%$4,850,894 19,412SOUTHLAND NATL HOLDING GRP482797 9,68368.68% 0.02% 99.66%$4,267,117 14,633MISSISSIPPI INS GRP112698 8,90765.87% 0.02% 99.68%$4,053,303 0ISLAND HOME INS CO3165899 059.54% 0.02% 99.69%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Dental

$3,969,274 13,116TOWN & COUNTRY LIFE INS CO77674100 20565.67% 0.02% 99.71%$3,737,733 196,549DENTAL DELIVERY SYSTEMS INC11195101 16,27686.41% 0.02% 99.73%$3,238,484 10,538AULTMAN HLTH FOUNDATION GRP4805102 10,53870.30% 0.01% 99.74%$3,232,349 10,454BCBS OF WY53767103 5,91275.08% 0.01% 99.76%$2,972,538 11,356WESTBRIDGE CAPITAL GRP839104 6,45933.90% 0.01% 99.77%$2,786,862 18,198GOLDEN DENTAL PLANS INC11113105 9,46371.62% 0.01% 99.79%$2,662,077 3,755TRUSTMARK MUT HOLDING CO GRP276106 2,26944.49% 0.01% 99.80%$2,647,588 6,184SHELTERPOINT GRP INC4803107 3,46163.15% 0.01% 99.81%$2,614,028 7,811BCBS OF AZ INC53589108 4,15862.99% 0.01% 99.82%$2,413,057 4,186SENTRY INS GRP169109 2,67852.59% 0.01% 99.83%$2,113,663 4,555LIBERTY UNION LIFE ASSUR CO66753110 3,16955.52% 0.01% 99.84%$2,074,211 0INDEPENDENCE HLTH GRP INC GRP936111 031.56% 0.01% 99.85%$2,016,988 6,171LIFE INS CO OF AL65412112 3,52660.00% 0.01% 99.86%$1,893,352 3,499PIONEER EDUCATORS HLTH TRUST12619113 094.70% 0.01% 99.87%$1,698,229 996HEALTH NET INC GRP623114 686222.87% 0.01% 99.88%$1,629,630 4,619TIMBER PRODUCTS MANUFACTURERS TRUST12239115 075.34% 0.01% 99.89%$1,503,914 3,021MVP GRP1198116 1,75458.96% 0.01% 99.89%$1,407,056 973PAN AMER LIFE GRP525117 78136.56% 0.01% 99.90%$1,341,805 10,042FIDELITY SECURITY GRP451118 8,98841.07% 0.01% 100.00%$1,286,556 9,169HARRIS INS HOLDINGS GRP1117119 9,15522.67% 0.01% 100.00%$1,263,879 2,811WESTERN GROCERS EMPLOYEE BENEFIT TRU12339120 075.10% 0.01% 100.00%$1,256,057 5,311AMERICAN FIDELITY CORP GRP330121 3,00741.68% 0.01% 100.00%$1,243,838 18,670ALLSTATE INS GRP8122 12,43339.03% 0.01% 100.00%$1,213,428 3,958ASSURITY LIFE INS CO71439123 11377.98% 0.01% 100.00%$1,202,879 2,389GROUP HLTH COOP GRP1185124 1,98286.57% 0.01% 100.00%$1,172,044 6,637HEALTHMARKETS GRP264125 4,07148.45% 0.01% 100.00%

$21,794,494,160 61,397,392GRAND TOTAL 20,623,00875.35% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Medicare

$6,183,770,967 611,570UNITEDHEALTH GRP7071 611,57088.89% 30.38% 30.38%$5,607,403,669 481,507HUMANA GRP1192 481,50787.96% 27.55% 57.93%$1,454,480,316 126,710BCBS OF MI GRP5723 118,42388.93% 7.15% 65.08%$1,206,504,511 101,576HIGHMARK GRP8124 101,56591.90% 5.93% 71.01%$1,062,534,044 72,943EMBLEM HLTH GRP11275 70,08087.56% 5.22% 76.23%

$939,554,365 105,170KAISER FOUNDATION GRP6016 97,768101.35% 4.62% 80.84%$354,221,341 29,155GROUP HLTH COOP GRP11857 21,62790.55% 1.74% 82.58%$325,153,035 26,845MVP GRP11988 26,84591.49% 1.60% 84.18%$319,166,980 38,802CIGNA HLTH GRP9019 38,45392.80% 1.57% 85.75%$314,325,893 28,176LIFETIME HLTHCARE GRP118610 28,17689.95% 1.54% 87.29%$296,773,127 82,286HEALTH PLAN GRP129711 82,28691.67% 1.46% 88.75%$243,210,180 18,990TUFTS GRP474212 18,99090.64% 1.19% 89.95%$228,297,109 19,460HENRY FORD HLTH SYSTEM GRP131113 19,46094.56% 1.12% 91.07%$185,299,964 18,200HCSC GRP91714 18,20091.06% 0.91% 91.98%$184,142,425 17,887GUIDEWELL MUT HOLDING GRP53615 16,22185.72% 0.90% 92.88%$164,155,303 28,510RENOWN HLTH GRP479116 28,51097.19% 0.81% 93.69%$161,737,094 13,190CDPHP INC GRP470817 13,18284.49% 0.79% 94.48%$144,816,522 13,622HEALTHPLUS OF MI GRP340918 13,62290.49% 0.71% 95.19%$133,385,202 14,965GUNDERSEN LUTHERAN HLTH GRP475119 14,96592.44% 0.66% 95.85%$127,010,782 14,616SPECTRUM HLTH GRP338320 9,03486.54% 0.62% 96.47%$121,731,558 7,126INDEPENDENCE HLTH GRP INC GRP93621 7,12662.82% 0.60% 97.07%$103,039,610 8,358AULTMAN HLTH FOUNDATION GRP480522 8,358105.74% 0.51% 97.58%

$80,420,136 8,177CAMBIA HEALTH SOLUTIONS INC120723 8,177102.66% 0.40% 97.97%$72,449,439 5,911ANTHEM INC GRP67124 5,91156.66% 0.36% 98.33%$66,378,232 1,277AHF GRP483325 197.33% 0.33% 98.66%$61,230,688 4,399BCBS OF TN GRP349826 4,39990.40% 0.30% 98.96%$44,490,686 3,350CAPITAL BLUE CROSS GRP123027 3,30284.00% 0.22% 99.17%$43,286,897 11,288BCBS OF MN GRP46128 11,28884.00% 0.21% 99.39%$42,239,527 3,389BCBS OF RI5347329 3,38989.42% 0.21% 99.60%$41,169,491 4,772PIEDMONT COMM HLTH GRP484530 4,77292.87% 0.20% 99.80%$20,718,934 1,657VANGUARD HLTH VENTURES GRP121231 1,65773.82% 0.10% 99.90%$10,570,945 1,387PACIFICSOURCE HLTH PLAN GRP470432 3106.86% 0.05% 100.00%

$5,210,695 503AETNA GRP133 50378.83% 0.03% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Medicare

$4,175,862 3,976MARTINS POINT GRP484834 3,976100.35% 0.02% 100.00%$524,000 79HEALTHPARTNERS GRP125835 7968.13% 0.00% 100.00%

$35,491 0BCBS OF SC GRP66136 0490.39% 0.00% 100.00%

$20,353,615,020 1,942,448GRAND TOTAL 1,899,30789.52% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Medicare Part D - Stand-Alone

$127,312,061 0EMBLEM HLTH GRP11271 092.60% 19.52% 19.52%$73,510,313 44,827BCBS OF MA GRP36372 44,827102.25% 11.27% 30.79%$70,832,842 36,936ANTHEM INC GRP6713 36,93647.16% 10.86% 41.66%$63,952,917 37,481CVS CAREMARK GRP46674 37,48167.69% 9.81% 51.46%$48,262,650 20,623CIGNA HLTH GRP9015 74387.45% 7.40% 58.86%$39,827,835 26,421BCBS OF MN GRP4616 26,42190.67% 6.11% 64.97%$36,151,236 22,920ENVISION INS CO127477 22,92085.70% 5.54% 70.52%$31,267,802 9,067LIFETIME HLTHCARE GRP11868 9,06781.98% 4.79% 75.31%$26,661,778 12,076AEGON US HOLDING GRP4689 12,07662.48% 4.09% 79.40%$23,152,237 9,012EXPRESS SCRIPTS HOLDING GRP481310 9,012171.11% 3.55% 82.95%$15,267,643 7,592HUMANA GRP11911 7,59283.54% 2.34% 85.29%$13,726,225 8,817PAN AMER LIFE GRP52512 96070.84% 2.10% 87.39%$11,767,300 7,352HCSC GRP91713 7,35285.24% 1.80% 89.20%$10,350,086 6,433WELLMARK INC GRP77014 6,43367.49% 1.59% 90.79%

$9,359,365 3,977INDEPENDENCE HLTH GRP INC GRP93615 3,97779.01% 1.44% 92.22%$9,309,547 3,080BCBS OF MI GRP57216 3,08089.50% 1.43% 93.65%$8,433,982 3,326BCBS OF RI5347317 3,32678.23% 1.29% 94.94%$8,008,137 6,672WELLCARE GRP119918 6,67244.12% 1.23% 96.17%$7,867,164 7,923TUFTS GRP474219 7,92373.05% 1.21% 97.38%$4,532,738 1,960CAPITAL BLUE CROSS GRP123020 1,88855.62% 0.70% 98.07%$3,211,756 2,005CAMBIA HEALTH SOLUTIONS INC120721 2,00569.14% 0.49% 98.56%$3,060,261 675UPMC HLTH SYSTEM GRP132422 67585.92% 0.47% 99.03%$3,043,662 2,497HIGHMARK GRP81223 2,50086.50% 0.47% 99.50%$1,445,325 810EDUCATORS MUT GRP12624 2103.59% 0.22% 99.72%$1,104,133 324MVP GRP119825 32474.81% 0.17% 99.89%

$455,272 328BCBS OF SC GRP66126 32872.29% 0.07% 100.00%$234,137 153RENOWN HLTH GRP479127 153165.69% 0.04% 100.00%

$19,887 15SPECTRUM HLTH GRP338328 158.35% 0.00% 100.00%

$652,128,291 315,371GRAND TOTAL 254,91783.59% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Other Group Care

$803,287,243 1,194,789UPMC HLTH SYSTEM GRP13241 091.99% 13.33% 13.33%$770,895,886 153,000AMERICAN INTL GRP122 68,15360.51% 12.79% 26.12%$516,232,024 564,511MAGELLAN HLTH INC GRP12603 374,62087.21% 8.57% 34.68%$324,468,023 645,135GENEVE HOLDINGS INC GRP4504 336,54463.33% 5.38% 40.07%$307,420,023 0NESTLE SA GRP44835 074.03% 5.10% 45.17%$249,490,700 780,123AEGON US HOLDING GRP4686 481,68750.77% 4.14% 49.31%$249,372,444 3,694,231HIGHMARK GRP8127 1,331,86388.99% 4.14% 53.45%$219,128,337 2,353,877GUARDIAN LIFE GRP4298 1,462,87464.71% 3.64% 57.08%$218,558,649 123,974TORCHMARK CORP GRP2909 123,94577.12% 3.63% 60.71%$207,161,471 0CHUBB LTD GRP62610 050.21% 3.44% 64.14%$194,748,610 22,750,237CHUBB INC GRP3811 9,26537.68% 3.23% 67.38%$178,922,815 813,122UNITEDHEALTH GRP70712 446,17957.07% 2.97% 70.34%$133,444,246 1,385,764ANTHEM INC GRP67113 759,46594.34% 2.21% 72.56%$130,343,875 179,256HARTFORD FIRE & CAS GRP9114 60465.34% 2.16% 74.72%$127,464,239 0WHITE MOUNTAINS GRP112915 046.10% 2.11% 76.84%$103,610,803 155,250BCBS OF SC GRP66116 108,67256.23% 1.72% 78.56%

$91,535,897 391,662NATIONWIDE CORP GRP14017 308,56158.73% 1.52% 80.07%$90,992,512 811,911METROPOLITAN GRP24118 13,52554.83% 1.51% 81.58%$71,866,864 160,822FIDELITY SECURITY GRP45119 97,81639.26% 1.19% 82.78%$68,990,971 574,000ASSURANT INC GRP1920 342,69949.38% 1.14% 83.92%$62,291,589 35,618TUFTS GRP474221 35,61889.09% 1.03% 84.95%$59,891,404 143,189UNUMPROVIDENT CORP GRP56522 5,55046.81% 0.99% 85.95%$55,949,064 293,309AFLAC GRP37023 196,25047.38% 0.93% 86.88%$55,579,762 0LINCOLN NATL GRP2024 083.14% 0.92% 87.80%$54,214,000 0HEALTHPARTNERS GRP125825 0106.16% 0.90% 88.70%$47,901,129 49,687WESTBRIDGE CAPITAL GRP83926 26,87040.21% 0.79% 89.49%$44,794,080 1,884AHF GRP483327 1103.24% 0.74% 90.24%$43,608,526 0UNIVERSITY HLTH ALLIANCE4795328 0100.33% 0.72% 90.96%$39,062,616 16,617CIGNA HLTH GRP90129 48863.04% 0.65% 91.61%$36,864,608 183,209ALLSTATE INS GRP830 108,66853.10% 0.61% 92.22%$36,698,328 952,245EMBLEM HLTH GRP112731 464,107(5.92)% 0.61% 92.83%$30,524,099 579,639BCS INS GRP2332 572,26139.86% 0.51% 93.33%$28,550,196 17,063GUNDERSEN LUTHERAN HLTH GRP475133 17,06390.35% 0.47% 93.81%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Other Group Care

$25,972,021 42,325BCBS OF MA GRP363734 25,51182.58% 0.43% 94.24%$23,812,739 16,102FAIRFAX FIN GRP15835 12841.66% 0.40% 94.63%$22,666,351 33,935AMFIRST HOLDINGS GRP471936 85948.29% 0.38% 95.01%$21,965,036 48,901TOKIO MARINE HOLDINGS INC GRP309837 11,59852.78% 0.36% 95.37%$20,431,308 67,150CAREFIRST INC GRP38038 31,96285.79% 0.34% 95.71%$19,578,250 3,805BCBS OF MI GRP57239 1,62677.63% 0.32% 96.04%$19,003,257 373,503BCBS OF TN GRP349840 177,56566.50% 0.32% 96.35%$16,655,068 177,539AMEX ASSUR CO2792841 128,30915.24% 0.28% 96.63%$15,084,389 9,696PAN AMER LIFE GRP52542 1,22667.82% 0.25% 96.88%$13,180,000 410HAWAII MGMT ALLIANCE ASSN4833043 1936.32% 0.22% 97.10%$12,723,134 5,868GUARANTEE TRUST GRP68744 5,04745.33% 0.21% 97.31%$12,081,467 435,116ALLIANZ INS GRP76145 264,24626.29% 0.20% 97.51%$10,947,148 6,918MUTUAL OF OMAHA GRP26146 6,00650.83% 0.18% 97.69%$10,060,989 107,413BLUE SHIELD OF CA GRP279847 57,24147.27% 0.17% 97.86%

$9,952,609 204,788HERITAGE VISION PLANS INC1120448 90,90779.53% 0.17% 98.02%$9,259,876 156,711AVESIS INS INC1116349 93378.42% 0.15% 98.18%$8,677,129 0BALDWIN & LYONS GRP86750 027.93% 0.14% 98.32%$8,116,620 125,644SHELTERPOINT GRP INC480351 60,51758.79% 0.13% 98.46%$7,652,482 2,564AMERICAN NATL FIN GRP40852 1,33486.57% 0.13% 98.58%$7,103,591 21,278HALLMARK FIN SERV GRP347853 57226.89% 0.12% 98.70%$6,334,011 74,208DELTA DENTAL PLAN OF AR INC4715554 40,66948.18% 0.11% 98.81%$5,466,005 121,478ORTHONET OF THE MID ATLANTIC INC1106855 121,47856.30% 0.09% 98.90%$4,317,051 22,784HUMANA GRP11956 12,947(14.72)% 0.07% 98.97%$4,213,279 43,348NORIDIAN MUT INS CO5589157 21,27979.89% 0.07% 99.04%$3,879,630 0DELTA DENTAL OF KS GRP463858 081.60% 0.06% 99.10%$3,707,438 3,048BOSTON MUT GRP58159 90790.85% 0.06% 99.16%$3,500,262 0ARKANSAS BCBS GRP87660 046.78% 0.06% 99.22%$3,443,021 0TENNESSEE FARMERS GRP69461 1,499,05813.07% 0.06% 99.28%$2,860,447 0LIBERTY UNION LIFE ASSUR CO6675362 058.15% 0.05% 99.33%$2,178,642 2,525KEMPER CORP GRP21563 1,43352.39% 0.04% 99.36%$2,048,477 55,649ROYAL STATE NATL INS CO LTD6855164 5132.19% 0.03% 99.40%$2,044,975 176,767MAPFRE INS GRP41165 3,80376.78% 0.03% 99.43%$2,031,734 4,312TRUSTMARK MUT HOLDING CO GRP27666 4,311(51.36)% 0.03% 99.47%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Other Group Care

$1,901,179 13,485CITIZENS SECURITY LIFE INS CO6192167 13,48562.68% 0.03% 99.50%$1,724,961 0NATL GEN GRP94868 052.46% 0.03% 99.53%$1,717,275 15,071CUNA MUT GRP30669 15,071(2.06)% 0.03% 99.55%$1,478,156 10,699SOLSTICE HEALTH INS CO1397170 604.10% 0.02% 99.58%$1,476,671 18,346WISCONSIN PHYSICIANS SERV INS GRP6871 7876.63% 0.02% 99.60%$1,345,897 0MISSISSIPPI INS GRP112672 091.73% 0.02% 99.63%$1,173,371 0GREAT WEST GRP76973 069.86% 0.02% 99.64%$1,142,760 766,911BCBS OF AZ INC5358974 367,346694.27% 0.02% 99.66%$1,136,232 18,821NORTHEAST DELTA DENTAL GRP476375 36749.38% 0.02% 99.68%$1,133,738 1,819BCBS OF MN GRP46176 1,819(1,444.41)% 0.02% 99.70%$1,107,074 4,184HEALTHMARKETS GRP26477 2,779(1,274.27)% 0.02% 99.72%$1,093,239 7,663GROUP HLTH COOP GRP118578 3,41252.18% 0.02% 99.74%

$990,305 21,290BCBS OF NJ GRP120279 10,91184.42% 0.02% 99.75%$879,987 718MEDICAL BENEFITS MUT LIFE INS CO7432280 35647.93% 0.01% 99.77%$857,600 0FORTRESS GRP471681 0(346.08)% 0.01% 99.78%$845,442 4,072ASSURITY LIFE INS CO7143982 2,32128.15% 0.01% 99.80%$838,383 17,342EDUCATORS MUT GRP12683 24060.83% 0.01% 99.81%$825,609 490CROY HALL MGMT GRP133984 24015.45% 0.01% 99.82%$802,156 3,717UNION LABOR GRP78185 2,77442.42% 0.01% 99.84%$767,069 5,280GENERAL ELECTRIC GRP35086 4,59511.14% 0.01% 99.85%$706,196 0HEALTH PLAN GRP129787 089.31% 0.01% 99.86%$682,605 969SUMMA HLTH GRP325988 96995.67% 0.01% 99.87%$641,524 12,446SOLSTICE BENEFITS INC1234189 52459.63% 0.01% 99.88%$577,023 53,803JACKSON NATL GRP91890 53,803(111.85)% 0.01% 99.89%$559,140 392INTER AMER GRP86391 3724.62% 0.01% 100.00%$450,032 6,092NIPPON LIFE INS CO OF AMER8126492 4,05964.77% 0.01% 100.00%$440,430 0NORTH CAROLINA MUT LIFE INS CO6703293 044.36% 0.01% 100.00%$399,122 2,353MARKEL CORP GRP78594 3126.70% 0.01% 100.00%$357,974 121HC2 HOLDINGS GRP485295 97(24.30)% 0.01% 100.00%$329,278 5,929CNO FINANCIAL GRP23396 5,92871.19% 0.01% 100.00%$328,986 0AMERICAN FIN SECURITY LIFE INS CO6933797 0124.00% 0.01% 100.00%$292,514 0NEW ERA LIFE GRP52098 093.57% 0.00% 100.00%$274,876 924ATLANTIC AMER GRP58799 92463.94% 0.00% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Group Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Other Group Care

$266,181 4,484TIMBER PRODUCTS MANUFACTURERS TRUST12239100 052.42% 0.00% 100.00%$264,058 0NATIONAL SECURITY GRP316101 15766.62% 0.00% 100.00%$247,847 0TEACHERS PROTECTIVE MUT LIFE INS CO69353102 039.15% 0.00% 100.00%$242,801 0CITIZENS GRP612103 069.70% 0.00% 100.00%$242,043 0AUTOMOBILE CLUB MI GRP55104 0(9.30)% 0.00% 100.00%$204,250 99,230HEALTH NET INC GRP623105 37,0322,073.78% 0.00% 100.00%$190,811 0BCBS OF WY53767106 0106.94% 0.00% 100.00%$185,762 0HCSC GRP917107 014.37% 0.00% 100.00%$180,538 1,384GUIDEWELL MUT HOLDING GRP536108 911.42% 0.00% 100.00%$156,655 662GENWORTH FIN GRP4011109 662330.15% 0.00% 100.00%$154,645 18AMERICAN FIDELITY CORP GRP330110 18428.04% 0.00% 100.00%$147,228 669LIFE INS CO OF AL65412111 38225.84% 0.00% 100.00%$118,231 0WMI MUT INS CO68420112 051.66% 0.00% 100.00%

$47,264 0ASSOCIATED MUT87882113 035.57% 0.00% 100.00%$41,739 156HOMESHIELD CAPITAL GRP2858114 10.96% 0.00% 100.00%$39,638 0UNIFIED LIFE INS CO11121115 0(169.36)% 0.00% 100.00%$37,095 25VOYA FINANCIAL GRP4832116 190.00% 0.00% 100.00%$32,598 100US HLTH & LIFE INS CO INC97772117 143.87% 0.00% 100.00%$31,620 86SENTRY INS GRP169118 8615.03% 0.00% 100.00%$25,355 394HORACE MANN GRP300119 30336.87% 0.00% 100.00%$18,672 0USIC GRP3593120 060.00% 0.00% 100.00%$16,362 0UNDERWRITERS AT LLOYD'S LONDON15642121 00.00% 0.00% 100.00%$15,886 39HARRIS INS HOLDINGS GRP1117122 2782.39% 0.00% 100.00%$15,515 4MINNESOTA MUT GRP869123 5(2.79)% 0.00% 100.00%

$9,460 1RENAISSANCE HLTH SERV CORP GRP477124 1122.04% 0.00% 100.00%$4,156 0WILTON RE GRP4213125 0(96.75)% 0.00% 100.00%

$6,027,034,525 42,448,124GRAND TOTAL 10,795,79969.80% 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 2015

Other Business Market Share for All Statement Types

Grand Total for Other Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

$2,189,020,157 26,305,138CIGNA HLTH GRP9011 58,30175.69% 14.45% 14.45%$1,108,628,287 2,931,310UNITEDHEALTH GRP7072 1,024,56578.64% 7.32% 21.76%$1,006,051,086 4,360,107SUN LIFE ASSUR CO OF CN GRP5493 1,80370.11% 6.64% 28.40%

$970,707,482 3,179,070TOKIO MARINE HOLDINGS INC GRP30984 2,89275.68% 6.41% 34.81%$952,328,213 26,666,591ANTHEM INC GRP6715 13,067,92672.54% 6.28% 41.09%$794,485,977 4,617,992VOYA FINANCIAL GRP48326 2,007,82370.80% 5.24% 46.33%$773,690,495 19,398,251AETNA GRP17 9,328,19171.87% 5.11% 51.44%$683,610,708 2,410,294WHITE MOUNTAINS GRP11298 1,237,88266.06% 4.51% 55.95%$679,198,204 19,821,629HIGHMARK GRP8129 9,407,75372.26% 4.48% 60.43%$594,209,219 10,509,380HCSC GRP91710 4,860,43085.25% 3.92% 64.35%$450,381,018 1,833,365BCBS OF SC GRP66111 995,90081.98% 2.97% 67.32%$305,855,200 2,580,315CUNA MUT GRP30612 2,580,31548.36% 2.02% 69.34%$304,368,635 3,975,176ASSURANT INC GRP1913 3,939,28349.59% 2.01% 71.35%$278,726,923 3,008,778BCBS OF MI GRP57214 1,580,04376.61% 1.84% 73.19%$219,688,099 1,056,300WR BERKLEY CORP GRP9815 52769.00% 1.45% 74.64%$186,021,909 711,529AEGON US HOLDING GRP46816 266,22566.99% 1.23% 75.87%$183,850,132 1,266,079BCBS OF MN GRP46117 579,87380.46% 1.21% 77.08%$165,340,944 384,781ZURICH INS GRP21218 213,76776.72% 1.09% 78.17%$156,883,699 0QBE INS GRP79619 064.54% 1.04% 79.21%$151,611,105 1,253,625WELLMARK INC GRP77020 567,08591.98% 1.00% 80.21%$141,375,877 157,910TRUSTMARK MUT HOLDING CO GRP27621 90,36880.94% 0.93% 81.14%$119,922,595 167,591NORIDIAN MUT INS CO5589122 76,13774.43% 0.79% 81.93%$111,982,803 458,378MEDICAL MUT OF OH GRP73023 210,06071.16% 0.74% 82.67%$110,795,849 717,479FORTRESS GRP471624 339,21040.47% 0.73% 83.40%$109,072,525 2,138,078MUNICH RE GRP36125 7,277112.66% 0.72% 84.12%

$99,435,327 1,887,397HUMANA GRP11926 927,12375.54% 0.66% 84.78%$91,600,672 202,525AMERICAN FIDELITY CORP GRP33027 121,65563.30% 0.60% 85.38%$91,536,160 59,510PAN AMER LIFE GRP52528 7,64870.08% 0.60% 85.99%$90,333,146 3,343,607FAIRFAX FIN GRP15829 31562.11% 0.60% 86.58%$85,565,652 553,470UNION LABOR GRP78130 241,00878.01% 0.56% 87.15%$84,761,539 1,716,361BCBS OF MA GRP363731 816,488100.56% 0.56% 87.71%$82,301,108 1,507,863PREMERA BLUE CROSS GRP96232 626,06484.26% 0.54% 88.25%$81,365,112 351,676BCBS OF KC GRP53733 165,162106.75% 0.54% 88.79%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Other Business Market Share for All Statement Types

Grand Total for Other Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

$79,625,993 1,645,587BCBS OF NC INC5463134 973,91949.32% 0.53% 89.31%$79,293,243 911,707TIPTREE FIN GRP471835 911,70717.79% 0.52% 89.84%$78,710,000 0HEALTHPARTNERS GRP125836 082.67% 0.52% 90.36%$67,295,763 147,767FIDELITY SECURITY GRP45137 77,16471.53% 0.44% 90.80%$67,294,833 576,297MINNESOTA MUT GRP86938 576,29732.78% 0.44% 91.24%$63,573,556 353,826AMERICAN NATL FIN GRP40839 290,34740.90% 0.42% 91.66%$61,265,736 0MEDICA GRP155240 084.92% 0.40% 92.07%$56,026,552 2,613,849GUIDEWELL MUT HOLDING GRP53641 1,421,22571.57% 0.37% 92.44%$55,658,692 634,650CAPITAL BLUE CROSS GRP123042 311,43789.17% 0.37% 92.80%$55,254,393 0CHUBB LTD GRP62643 045.43% 0.36% 93.17%$54,851,945 103,123BCBS OF KS GRP43044 48,60074.85% 0.36% 93.53%$54,797,995 501,804BCS INS GRP2345 239,47870.76% 0.36% 93.89%$53,346,137 1,320,103BCBS OF TN GRP349846 684,52564.46% 0.35% 94.24%$53,239,038 180,569BLUE SHIELD OF CA GRP279847 86,39768.30% 0.35% 94.60%$52,838,332 222,044BCBS OF AZ INC5358948 105,31988.92% 0.35% 94.94%$51,413,085 0SWISS RE GRP18149 091.47% 0.34% 95.28%$46,234,644 138,973CAREFIRST INC GRP38050 69,17151.57% 0.31% 95.59%$42,753,026 267,124BCBS OF NE7778051 122,23387.18% 0.28% 95.87%$41,256,449 231,756CENTRAL STATES GRP69052 231,75622.70% 0.27% 96.14%$41,102,156 92,741NATIONWIDE CORP GRP14053 87,56168.76% 0.27% 96.41%$39,479,651 889,670CAMBIA HEALTH SOLUTIONS INC120754 438,21159.39% 0.26% 96.68%$37,706,639 464,841LIFETIME HLTHCARE GRP118655 217,59774.78% 0.25% 96.92%$36,186,381 25,742AMTRUST NGH GRP253856 480103.08% 0.24% 97.16%$29,674,436 46,762EDUCATORS MUT GRP12657 28293.15% 0.20% 97.36%$27,608,506 94,555PREFERREDONE GRP349258 45,20665.10% 0.18% 97.54%$27,008,054 114,255LOUISIANA HLTH SERV GRP43859 56,42659.98% 0.18% 97.72%$24,087,701 151,031IRONSHORE GRP450960 18367.24% 0.16% 97.88%$23,969,581 646,131PARTNERRE GRP348361 87169.49% 0.16% 98.04%$23,048,632 222,554BLUE CROSS OF ID GRP129062 105,24771.86% 0.15% 98.19%$18,932,614 0SPECTRUM HLTH GRP338363 00.00% 0.12% 98.31%$15,953,197 56,891AMALGAMATED LIFE INS CO6021664 5258.78% 0.11% 98.42%$14,721,910 52,119BENCHMARK INS CO4139465 4795.11% 0.10% 98.52%$14,579,707 85,857WISCONSIN PHYSICIANS SERV INS GRP6866 58,86676.71% 0.10% 98.61%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Other Business Market Share for All Statement Types

Grand Total for Other Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

$14,458,948 0BCBS OF NJ GRP120267 091.76% 0.10% 98.71%$14,152,775 76,817PROTECTIVE LIFE INS GRP45868 76,81722.78% 0.09% 98.80%$12,588,037 415,502RGA INC GRP463969 0146.63% 0.08% 98.88%$11,990,565 2,579ENSTAR GRP472570 2,57929.57% 0.08% 98.96%$11,703,362 240,769HEALTH NOW NY INC5520471 106,03092.97% 0.08% 99.04%$11,494,427 89,531HOUSTON INTL INS GRP438172 7375.43% 0.08% 99.12%$10,521,731 54,822STATE FARM GRP17673 54,82244.56% 0.07% 99.19%$10,270,539 126,158PRESBYTERIAN HLTHCARE SERV GRP48174 60,06489.90% 0.07% 99.25%

$9,212,659 21,518AULTMAN HLTH FOUNDATION GRP480575 10,437100.09% 0.06% 99.31%$8,608,412 212,811BCBS OF RI5347376 96,34316.52% 0.06% 99.37%$8,217,970 219,826IHC INC GRP88077 77,26260.99% 0.05% 99.42%$7,730,078 103,040BCBS OF VT GRP474578 51,52130.64% 0.05% 99.48%$7,403,985 41,137PEKIN INS GRP15379 38,75333.94% 0.05% 99.52%$7,257,500 849OREGON DENTAL GRP131380 307281.41% 0.05% 99.57%$6,510,102 27,022PACIFICSOURCE HLTH PLAN GRP470481 829.05% 0.04% 99.62%$6,085,129 42,722CARLE HOLDING CO GRP119282 19,06089.04% 0.04% 99.66%$5,497,733 95,557BERKSHIRE HATHAWAY GRP3183 95,55711.36% 0.04% 99.69%$5,261,104 66,075HAWAII MEDICAL SERV ASSN4994884 28,675143.95% 0.03% 99.73%$4,154,063 904,009UPMC HLTH SYSTEM GRP132485 4149.72% 0.03% 99.75%$3,420,467 28,876INVESTORS HERITAGE LIFE INS CO6490486 16428.30% 0.02% 99.78%$3,213,444 14,397AMERICAN ENTERPRISE MUT GRP352787 14,39727.45% 0.02% 99.80%$3,071,811 12,255EVERENCE GRP461688 5,24238.55% 0.02% 99.82%$2,698,826 295,995KAISER FOUNDATION GRP60189 3048.90% 0.02% 99.84%$2,675,241 18,216GUARANTEE TRUST GRP68790 4,23233.40% 0.02% 99.85%$2,108,997 225NATIONAL WESTERN LIFE INS CO6685091 22596.00% 0.01% 99.87%$1,810,394 22,475SWBC LIFE INS CO9953892 22,47512.13% 0.01% 99.88%$1,700,117 13,069INDIVIDUAL ASSUR CO LIFE HLTH & ACC8177993 018.53% 0.01% 99.89%$1,582,544 51,903VANGUARD HLTH VENTURES GRP121294 21,72918.24% 0.01% 100.00%$1,334,739 348,226HARVARD PILGRIM HLTH CARE GRP59595 153,56467.71% 0.01% 100.00%$1,218,592 119,595ROCKY MOUNTAIN HLTH GRP118496 119,59599.37% 0.01% 100.00%$1,162,054 65,575ZALE CORP GRP66997 19,5871.62% 0.01% 100.00%$1,105,880 0NATL GEN GRP94898 015.65% 0.01% 100.00%

$962,583 0GGC GRP473699 049.07% 0.01% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Other Business Market Share for All Statement Types

Grand Total for Other Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

$910,661 7,850KENTUCKY NATL INS GRP4703100 7,83025.58% 0.01% 100.00%$842,102 11,424DELTA GRP598101 11,42421.09% 0.01% 100.00%$817,448 0WICHITA NATL LIFE GRP132102 028.69% 0.01% 100.00%$788,016 4,100FIRST NATL LIFE INS CO OF USA74233103 4,10032.76% 0.01% 100.00%$785,883 3NETWORK HLTH GRP2678104 358.44% 0.01% 100.00%$757,050 1,186PRIMERICA GRP4750105 1,1866.83% 0.00% 100.00%$737,523 4,131LIFE ASSUR CO INC85677106 3,82425.66% 0.00% 100.00%$684,796 1,534BCBS OF WY53767107 66630.79% 0.00% 100.00%$678,816 14,866CITIZENS GRP612108 14,8666.84% 0.00% 100.00%$651,391 4,997LANDCAR INS GRP503109 4,9972.55% 0.00% 100.00%$613,439 114,766GEISINGER INS GRP1143110 50,704144.30% 0.00% 100.00%$570,244 4,104MAPFRE INS GRP411111 4,1043.92% 0.00% 100.00%$402,785 0COOPERATIVA DE SEGUROS DE VIDA79715112 09.86% 0.00% 100.00%$389,049 0UNIFIED LIFE INS CO11121113 0(94.24)% 0.00% 100.00%$378,097 16,008HEALTH INS CO OF AMER INC13992114 9117.29% 0.00% 100.00%$346,317 0INDEPENDENT HLTH BENEFITS CORP47034115 043.31% 0.00% 100.00%$311,687 18,196FIRSTCARE GRP3549116 9,080(3.30)% 0.00% 100.00%$302,846 1,706WEA INS CORP72273117 62583.41% 0.00% 100.00%$278,337 398NIPPON LIFE INS CO OF AMER81264118 177(2.48)% 0.00% 100.00%$252,722 15,119KILPATRICK LIFE GRP4835119 15,11937.49% 0.00% 100.00%$210,786 3MULTINATIONAL GRP4804120 3(3.81)% 0.00% 100.00%$137,620 0NEW ERA LIFE GRP520121 00.00% 0.00% 100.00%$136,001 0ARKANSAS BANKERS LIFE INS CO86118122 82147.57% 0.00% 100.00%$125,430 878ONEAMERICA FIN PARTNERS GRP619123 0(48.04)% 0.00% 100.00%$111,008 403LIFE INS CO OF LA75094124 4039.33% 0.00% 100.00%

$89,554 0FOUNDATION LIFE INS CO OF AR83992125 034.91% 0.00% 100.00%

$15,153,879,005 209,663,423GRAND TOTAL 71,636,16772.81% 100.00%

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Top 25 Groups by Company

Other Business

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Other Business Market Share for All Statement Types

Top 25 Groups by Company

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code as of Dec 31 as of Dec 31Covered Lives

Number of

Rank Group/Company Name

Group

$2,189,020,157 26,305,13858,301CIGNA HLTH GRP9011 75.69% 14.45%$2,187,797,026 26,273,51857,916CIGNA HLTH & LIFE INS CO67369 75.75%

$1,223,131 31,620385CONNECTICUT GEN LIFE INS CO62308 (28.12)%

$1,108,628,287 2,931,3101,024,565UNITEDHEALTH GRP7072 78.64% 7.32%$191,552,270 154,36688,526ALL SAVERS INS CO82406 119.23%

$264,644 14467ALL SAVERS LIFE INS CO OF CA73130 216.06%$242,133,042 819,029749UNIMERICA INS CO91529 69.47%

$0 79,40037,707UNITED HLTHCARE INS CO OF IL60318 N/A$47,113,701 93,78538,922UNITED HLTHCARE INS CO OF NY60093 69.96%

$0 00UNITED HLTHCARE OF LA INC95833 N/A$627,564,630 1,784,586858,594UNITEDHEALTHCARE INS CO79413 70.39%

$1,006,051,086 4,360,1071,803SUN LIFE ASSUR CO OF CN GRP5493 70.11% 6.64%$72,092,491 268,005110SUN LIFE & HLTH INS CO80926 67.79%

$933,958,595 4,092,1021,693US BR SUN LIFE ASSUR CO OF CANADA80802 70.29%

$970,707,482 3,179,0702,892TOKIO MARINE HOLDINGS INC GRP30984 75.68% 6.41%$905,181,422 3,109,8572,723HCC LIFE INS CO92711 76.35%

$65,526,060 69,213169RELIANCE STANDARD LIFE INS CO68381 66.40%

$952,328,213 26,666,59113,067,926ANTHEM INC GRP6715 72.54% 6.28%$72,825,702 4,772,0472,198,749ANTHEM BLUE CROSS LIFE & HLTH INS CO62825 82.09%$66,616,308 1,052,330483,292ANTHEM HLTH PLANS INC60217 82.15%

$0 1,150,379565,765ANTHEM HLTH PLANS OF KY INC95120 N/A$5,802,791 157,06777,807ANTHEM HLTH PLANS OF ME INC52618 110.33%$3,450,493 141,73068,738ANTHEM HLTH PLANS OF NH53759 151.87%

$144,118,027 1,904,207977,844ANTHEM HLTH PLANS OF VA INC71835 67.23%$247,886,883 4,684,5732,526,586ANTHEM INS CO INC28207 70.24%

$0 19,89919,899ANTHEM LIFE INS CO61069 N/A$45,652,862 936,796487,494BCBS HLTHCARE PLAN OF GA INC96962 57.93%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Other Business Market Share for All Statement Types

Top 25 Groups by Company

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code as of Dec 31 as of Dec 31Covered Lives

Number of

Rank Group/Company Name

Group

$37,721,006 1,721,075815,517BCBS OF GA INC548015 55.86%$38,870,154 844,713375,767BCBS OF WI54003 57.32%

$173,687,478 3,282,1951,500,543COMMUNITY INS CO10345 81.86%$0 24,87012,262COMPCARE HLTH SERV INS CORP95693 N/A

$42,357,042 3,754,9341,805,287EMPIRE HEALTHCHOICE ASSUR INC55093 71.94%$0 155155GREATER GA LIFE INS CO97217 N/A$0 170,679103,909HEALTHKEEPERS INC95169 N/A$0 316,536170,836HEALTHLINK HMO INC96475 N/A

$38,229,331 510,693257,530HEALTHY ALLIANCE LIFE INS CO78972 70.60%$1,715,966 49,37323,637HMO CO INC95473 (3.04)%

$0 3,1682,238HMO MO INC95358 N/A$1,597,881 116,39450,283MATTHEW THORTON HLTH PLAN INC95527 36.32%

$31,796,289 867,312453,128ROCKY MOUNTAIN HOSPITAL & MEDICAL11011 74.59%$0 185,46690,660UNICARE LIFE & HLTH INS CO80314 N/A

$794,485,977 4,617,9922,007,823VOYA FINANCIAL GRP48326 70.80% 5.24%$745,669,045 4,332,4951,883,694RELIASTAR LIFE INS CO67105 71.06%

$48,816,932 285,497124,129RELIASTAR LIFE INS CO OF NY61360 66.85%

$773,690,495 19,398,2519,328,191AETNA GRP17 71.87% 5.11%$0 1,433770AETNA HLTH INC95241 N/A

$773,690,495 18,698,2679,164,154AETNA LIFE INS CO60054 71.87%$0 138,68066,680ALTIUS HLTH PLANS INC95407 N/A$0 28,58123COVENTRY HLTH & LIFE INS CO81973 N/A$0 259142COVENTRY HLTH CARE OF DE INC96460 N/A$0 35,35022COVENTRY HLTH CARE OF IL INC74160 N/A$0 129,60256,225COVENTRY HLTH CARE OF KS INC95489 N/A$0 269,58140COVENTRY HLTH CARE OF MO INC96377 N/A$0 13,94712COVENTRY HLTH CARE OF NE INC95925 N/A$0 1,823842COVENTRY HLTH CARE OF W VA INC95408 N/A$0 11,1114,523HEALTHAMER PA INC95060 N/A

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Other Business Market Share for All Statement Types

Top 25 Groups by Company

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code as of Dec 31 as of Dec 31Covered Lives

Number of

Rank Group/Company Name

Group

$0 69,61734,758INNOVATION HLTH INS CO150977 N/A

$683,610,708 2,410,2941,237,882WHITE MOUNTAINS GRP11298 66.06% 4.51%$14,133,334 58,30928,820FIRST SYMETRA NATL LIFE INS CO OF NY78417 (0.16)%

$102,948,291 242,740166,538SIRIUS AMER INS CO38776 63.02%$566,529,083 2,109,2451,042,524SYMETRA LIFE INS CO68608 68.26%

$679,198,204 19,821,6299,407,753HIGHMARK GRP8129 72.26% 4.48%$0 104,37544,590FIRST PRIORITY LIFE INS CO INC60147 N/A$0 209,848108,551HIGHMARK BCBSD INC53287 N/A

$116,062,319 497,082248,541HIGHMARK CAS INS CO35599 72.90%$8,076,226 2,401,355985,192HIGHMARK INC54771 59.53%

$25,778,512 82,89238,111HIGHMARK WEST VIRGINIA INC.54828 89.07%$490,242,339 15,582,5367,960,126HM LIFE INS CO93440 70.97%

$39,038,808 891,25287HM LIFE INS CO OF NY60213 78.19%$0 18,2818,088HMO OF NE PA96601 N/A$0 34,00814,467KEYSTONE HLTH PLAN W INC95048 N/A

$594,209,219 10,509,3804,860,430HCSC GRP91710 85.25% 3.92%$583 11DEARBORN NATL LIFE INS CO OF NY85090 (300.86)%

$4,736,725 24,57910,361HCSC INS SERV CO78611 74.50%$589,471,911 10,484,8004,850,068HEALTH CARE SERV CORP A MUT LEGAL RE70670 85.34%

$450,381,018 1,833,365995,900BCBS OF SC GRP66111 81.98% 2.97%$28,208,052 922,296489,669BCBS OF SC INC38520 78.60%

$0 27,86214,183BLUECHOICE HLTHPLAN OF SC INC95741 N/A$413,708,807 878,186487,027COMPANION LIFE INS CO77828 82.23%

$8,464,159 5,0215,021NIAGARA LIFE & HLTH INS CO12285 80.95%

$305,855,200 2,580,3152,580,315CUNA MUT GRP30612 48.36% 2.02%$305,855,200 2,580,3152,580,315CMFG LIFE INS CO62626 48.36%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Other Business Market Share for All Statement Types

Top 25 Groups by Company

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code as of Dec 31 as of Dec 31Covered Lives

Number of

Rank Group/Company Name

Group

$304,368,635 3,975,1763,939,283ASSURANT INC GRP1913 49.59% 2.01%$141,769,193 3,382,6683,382,668AMERICAN BANKERS INS CO OF FL10111 8.99%

$32,235,795 428,918428,466AMERICAN BANKERS LIFE ASSUR CO OF FL60275 14.96%$1,584,689 26,41126,411AMERICAN SECURITY INS CO42978 2.23%

$0 00JOHN ALDEN LIFE INS CO65080 N/A$164,940 2,7492,749STANDARD GUAR INS CO42986 (3.97)%

$127,746,684 79,82345,816TIME INS CO69477 104.15%$867,334 54,60753,173UNION SECURITY LIFE INS CO OF NY81477 20.27%

$278,726,923 3,008,7781,580,043BCBS OF MI GRP57214 76.61% 1.84%$278,726,923 3,008,7781,580,043BCBS OF MI MUT INS CO54291 76.61%

$219,688,099 1,056,300527WR BERKLEY CORP GRP9815 69.00% 1.45%$218,948,978 1,032,500523BERKLEY LIFE & HLTH INS CO64890 69.29%

$739,121 23,8004STARNET INS CO40045 (16.43)%

$186,021,909 711,529266,225AEGON US HOLDING GRP46816 66.99% 1.23%$331,706 15,37715,377TRANSAMERICA CAS INS CO10952 32.82%

$7,568,398 52,28847,673TRANSAMERICA FINANCIAL LIFE INS CO70688 59.51%$124,369,738 418,652141,970TRANSAMERICA LIFE INS CO86231 71.45%$53,752,067 225,21261,205TRANSAMERICA PREMIER LIFE INS CO66281 57.91%

$183,850,132 1,266,079579,873BCBS OF MN GRP46117 80.46% 1.21%$162,120,911 1,243,610568,977BCBSM INC55026 81.79%

$21,729,221 22,46910,896MII LIFE INC61522 70.56%

$165,340,944 384,781213,767ZURICH INS GRP21218 76.72% 1.09%$165,340,944 384,781213,767ZURICH AMER INS CO16535 76.72%

$156,883,699 00QBE INS GRP79619 64.54% 1.04%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Other Business Market Share for All Statement Types

Top 25 Groups by Company

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

Code as of Dec 31 as of Dec 31Covered Lives

Number of

Rank Group/Company Name

Group

$156,883,699 00QBE INS CORP3921719 64.54%

$151,611,105 1,253,625567,085WELLMARK INC GRP77020 91.98% 1.00%$0 228,99796,455WELLMARK HLTH PLAN OF IA INC95531 N/A

$151,611,105 912,763420,813WELLMARK INC88848 86.44%$0 111,86549,817WELLMARK OF SD INC60128 N/A

$141,375,877 157,91090,368TRUSTMARK MUT HOLDING CO GRP27621 80.94% 0.93%$0 00TRUSTMARK INS CO61425 N/A

$141,375,877 157,91090,368TRUSTMARK LIFE INS CO62863 82.56%

$119,922,595 167,59176,137NORIDIAN MUT INS CO5589122 74.43% 0.79%$119,922,595 167,59176,137NORIDIAN MUT INS CO55891 74.43%

$111,982,803 458,378210,060MEDICAL MUT OF OH GRP73023 71.16% 0.74%$111,982,803 458,378210,060MEDICAL MUT OF OH29076 71.16%

$110,795,849 717,479339,210FORTRESS GRP471624 40.47% 0.73%$67,266,728 350,92147AMERICAN HLTH & LIFE INS CO60518 35.11%$43,413,177 366,558339,163MERIT LIFE INS CO65951 48.65%

$115,944 00TRITON INS CO41211 86.23%

$109,072,525 2,138,0787,277MUNICH RE GRP36125 112.66% 0.72%$109,072,525 2,138,0787,277AMERICAN ALT INS CORP19720 112.66%

$15,153,879,005 209,663,42371,636,16726 72.81%

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Market Share by Statement Type

Other Business

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Other Business Market Share for Life, Accident & Health

Grand Total Other Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

$2,189,020,157 26,305,138CIGNA HLTH GRP9011 58,30175.69% 21.06% 21.06%$1,061,514,586 2,758,125UNITEDHEALTH GRP7072 947,93679.03% 10.21% 31.27%$1,006,051,086 4,360,107SUN LIFE ASSUR CO OF CN GRP5493 1,80370.11% 9.68% 40.94%

$970,707,482 3,179,070TOKIO MARINE HOLDINGS INC GRP30984 2,89275.68% 9.34% 50.28%$794,485,977 4,617,992VOYA FINANCIAL GRP48325 2,007,82370.80% 7.64% 57.92%$773,690,495 18,698,267AETNA GRP16 9,164,15471.87% 7.44% 65.36%$580,662,417 2,167,554WHITE MOUNTAINS GRP11297 1,071,34466.60% 5.59% 70.95%$529,281,147 16,473,788HIGHMARK GRP8128 7,960,21371.50% 5.09% 76.04%$422,172,966 883,207BCBS OF SC GRP6619 492,04882.21% 4.06% 80.10%$305,855,200 2,580,315CUNA MUT GRP30610 2,580,31548.36% 2.94% 83.04%$218,948,978 1,032,500WR BERKLEY CORP GRP9811 52369.29% 2.11% 85.15%$185,690,203 696,152AEGON US HOLDING GRP46812 250,84867.05% 1.79% 86.93%$160,849,813 563,348ASSURANT INC GRP1913 527,45585.90% 1.55% 88.48%$141,375,877 157,910TRUSTMARK MUT HOLDING CO GRP27614 90,36880.94% 1.36% 89.84%$110,679,905 717,479FORTRESS GRP471615 339,21040.42% 1.06% 90.91%

$91,600,672 202,525AMERICAN FIDELITY CORP GRP33016 121,65563.30% 0.88% 91.79%$91,536,160 59,510PAN AMER LIFE GRP52517 7,64870.08% 0.88% 92.67%$85,565,652 553,470UNION LABOR GRP78118 241,00878.01% 0.82% 93.49%$82,301,108 222,448PREMERA BLUE CROSS GRP96219 18684.26% 0.79% 94.28%$79,293,243 911,707TIPTREE FIN GRP471820 911,70717.79% 0.76% 95.04%$67,295,763 147,767FIDELITY SECURITY GRP45121 77,16471.53% 0.65% 95.69%$67,294,833 576,297MINNESOTA MUT GRP86922 576,29732.78% 0.65% 96.34%$63,573,556 353,826AMERICAN NATL FIN GRP40823 290,34740.90% 0.61% 96.95%$54,851,945 103,123BCBS OF KS GRP43024 48,60074.85% 0.53% 97.48%$53,239,038 180,569BLUE SHIELD OF CA GRP279825 86,39768.30% 0.51% 97.99%$41,256,449 231,756CENTRAL STATES GRP69026 231,75622.70% 0.40% 98.39%$41,102,156 92,741NATIONWIDE CORP GRP14027 87,56168.76% 0.40% 98.78%$23,666,680 16,185AMTRUST NGH GRP253828 345108.72% 0.23% 99.01%$16,948,973 83,954HUMANA GRP11929 42,36562.48% 0.16% 99.17%$15,953,197 56,891AMALGAMATED LIFE INS CO6021630 5258.78% 0.15% 99.33%$14,152,775 76,817PROTECTIVE LIFE INS GRP45831 76,81722.78% 0.14% 99.46%$12,588,037 415,502RGA INC GRP463932 0146.63% 0.12% 99.58%$11,990,565 2,579ENSTAR GRP472533 2,57929.57% 0.12% 99.70%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Other Business Market Share for Life, Accident & Health

Grand Total Other Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

$7,403,985 41,137PEKIN INS GRP15334 38,75333.94% 0.07% 99.77%$3,420,467 28,876INVESTORS HERITAGE LIFE INS CO6490435 16428.30% 0.03% 99.80%$3,213,444 14,397AMERICAN ENTERPRISE MUT GRP352736 14,39727.45% 0.03% 99.83%$2,675,241 18,216GUARANTEE TRUST GRP68737 4,23233.40% 0.03% 99.86%$2,108,997 225NATIONAL WESTERN LIFE INS CO6685038 22596.00% 0.02% 99.88%$1,810,394 22,475SWBC LIFE INS CO9953839 22,47512.13% 0.02% 99.90%$1,700,117 13,069INDIVIDUAL ASSUR CO LIFE HLTH & ACC8177940 018.53% 0.02% 100.00%$1,105,880 0NATL GEN GRP94841 015.65% 0.01% 100.00%

$962,583 0GGC GRP473642 049.07% 0.01% 100.00%$910,661 7,850KENTUCKY NATL INS GRP470343 7,83025.58% 0.01% 100.00%$842,102 11,424DELTA GRP59844 11,42421.09% 0.01% 100.00%$817,448 0WICHITA NATL LIFE GRP13245 028.69% 0.01% 100.00%$788,016 4,100FIRST NATL LIFE INS CO OF USA7423346 4,10032.76% 0.01% 100.00%$757,050 1,186PRIMERICA GRP475047 1,1866.83% 0.01% 100.00%$737,523 4,131LIFE ASSUR CO INC8567748 3,82425.66% 0.01% 100.00%$716,183 45,989ZALE CORP GRP66949 10.03% 0.01% 100.00%$678,816 14,866CITIZENS GRP61250 14,8666.84% 0.01% 100.00%$651,391 4,997LANDCAR INS GRP50351 4,9972.55% 0.01% 100.00%$570,244 4,104MAPFRE INS GRP41152 4,1043.92% 0.01% 100.00%$402,785 0COOPERATIVA DE SEGUROS DE VIDA7971553 09.86% 0.00% 100.00%$389,049 0UNIFIED LIFE INS CO1112154 0(94.24)% 0.00% 100.00%$302,846 1,706WEA INS CORP7227355 62583.41% 0.00% 100.00%$278,337 398NIPPON LIFE INS CO OF AMER8126456 177(2.48)% 0.00% 100.00%$252,722 15,119KILPATRICK LIFE GRP483557 15,11937.49% 0.00% 100.00%$210,786 3MULTINATIONAL GRP480458 3(3.81)% 0.00% 100.00%$137,620 0NEW ERA LIFE GRP52059 00.00% 0.00% 100.00%$136,001 0ARKANSAS BANKERS LIFE INS CO8611860 82147.57% 0.00% 100.00%$125,430 878ONEAMERICA FIN PARTNERS GRP61961 0(48.04)% 0.00% 100.00%$111,008 403LIFE INS CO OF LA7509462 4039.33% 0.00% 100.00%

$89,554 0FOUNDATION LIFE INS CO OF AR8399263 034.91% 0.00% 100.00%$72,212 326BCBS OF KC GRP53764 12937.30% 0.00% 100.00%$65,466 331HARTFORD FIRE & CAS GRP9165 1178.10% 0.00% 100.00%$57,116 290INTER AMER GRP86366 3620.40% 0.00% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Other Business Market Share for Life, Accident & Health

Grand Total Other Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

$25,288 14TD FRIEDKIN GRP427767 14(76.33)% 0.00% 100.00%$5,348 34SHELTER INS GRP12368 340.00% 0.00% 100.00%$2,587 0SAVINGS BANK LIFE GRP455369 33(114.73)% 0.00% 100.00%$1,239 0WESTBRIDGE CAPITAL GRP83970 00.00% 0.00% 100.00%$1,142 5HEALTHMARKETS GRP26471 577.23% 0.00% 100.00%

$904 14ALFA INS GRP572 14539.49% 0.00% 100.00%$764 0GENERAL ELECTRIC GRP35073 0(27.75)% 0.00% 100.00%$583 1HCSC GRP91774 1(300.86)% 0.00% 100.00%$493 9,556AMERCO CORP GRP57475 1,338(4.87)% 0.00% 100.00%$402 4FINANCIAL HOLDINGS GRP44976 468.41% 0.00% 100.00%$169 14UNIVERSAL GUAR LIFE INS CO7013077 14104.73% 0.00% 100.00%

$97 0TRANS OCEANIC LIFE INS CO6952378 00.00% 0.00% 100.00%$77 1UNITED SERV AUTOMOBILE ASSN GRP20079 10.00% 0.00% 100.00%$57 0PRUDENTIAL OF AMER GRP30480 00.00% 0.00% 100.00%$33 0OLD REPUBLIC GRP15081 0(528,948.48)% 0.00% 100.00%

$3 0CHUBB LTD GRP62682 0(15,333.33)% 0.00% 100.00%

$10,396,459,841 93,867,419GRAND TOTAL 30,569,57771.64% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Other Business Market Share for Health

Grand Total Other Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

$952,328,213 26,461,071ANTHEM INC GRP6711 12,957,21272.54% 26.46% 26.46%$594,208,636 10,509,379HCSC GRP9172 4,860,42985.25% 16.51% 42.96%$278,726,923 3,008,778BCBS OF MI GRP5723 1,580,04376.61% 7.74% 50.71%$183,850,132 1,266,079BCBS OF MN GRP4614 579,87380.46% 5.11% 55.81%$151,611,105 1,253,625WELLMARK INC GRP7705 567,08591.98% 4.21% 60.03%$119,922,595 167,591NORIDIAN MUT INS CO558916 76,13774.43% 3.33% 63.36%$111,982,803 458,378MEDICAL MUT OF OH GRP7307 210,06071.16% 3.11% 66.47%

$84,761,539 1,716,361BCBS OF MA GRP36378 816,488100.56% 2.35% 68.82%$82,486,354 1,803,443HUMANA GRP1199 884,75878.22% 2.29% 71.11%$81,292,900 351,350BCBS OF KC GRP53710 165,033106.81% 2.26% 73.37%$79,625,993 1,645,587BCBS OF NC INC5463111 973,91949.32% 2.21% 75.58%$78,710,000 0HEALTHPARTNERS GRP125812 082.67% 2.19% 77.77%$61,265,736 0MEDICA GRP155213 084.92% 1.70% 79.47%$56,026,552 2,613,849GUIDEWELL MUT HOLDING GRP53614 1,421,22571.57% 1.56% 81.03%$55,658,692 634,650CAPITAL BLUE CROSS GRP123015 311,43789.17% 1.55% 82.58%$53,346,137 1,320,103BCBS OF TN GRP349816 684,52564.46% 1.48% 84.06%$52,838,332 222,044BCBS OF AZ INC5358917 105,31988.92% 1.47% 85.53%$47,113,701 173,185UNITEDHEALTH GRP70718 76,62969.96% 1.31% 86.83%$46,234,644 138,973CAREFIRST INC GRP38019 69,17151.57% 1.28% 88.12%$42,753,026 267,124BCBS OF NE7778020 122,23387.18% 1.19% 89.31%$39,479,651 889,670CAMBIA HEALTH SOLUTIONS INC120721 438,21159.39% 1.10% 90.40%$37,706,639 464,841LIFETIME HLTHCARE GRP118622 217,59774.78% 1.05% 91.45%$33,854,738 2,850,759HIGHMARK GRP81223 1,198,99982.03% 0.94% 92.39%$29,674,436 46,762EDUCATORS MUT GRP12624 28293.15% 0.82% 93.22%$28,208,052 950,158BCBS OF SC GRP66125 503,85278.60% 0.78% 94.00%$27,608,506 94,555PREFERREDONE GRP349226 45,20665.10% 0.77% 94.77%$27,008,054 114,255LOUISIANA HLTH SERV GRP43827 56,42659.98% 0.75% 95.52%$23,048,632 222,554BLUE CROSS OF ID GRP129028 105,24771.86% 0.64% 96.16%$18,932,614 0SPECTRUM HLTH GRP338329 00.00% 0.53% 96.68%$14,579,707 85,151WISCONSIN PHYSICIANS SERV INS GRP6830 58,86276.71% 0.41% 97.09%$14,458,948 0BCBS OF NJ GRP120231 091.76% 0.40% 97.49%$11,703,362 240,769HEALTH NOW NY INC5520432 106,03092.97% 0.33% 97.81%$10,270,539 126,158PRESBYTERIAN HLTHCARE SERV GRP48133 60,06489.90% 0.29% 98.10%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Other Business Market Share for Health

Grand Total Other Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

$9,212,659 21,518AULTMAN HLTH FOUNDATION GRP480534 10,437100.09% 0.26% 98.36%$8,608,412 212,811BCBS OF RI5347335 96,34316.52% 0.24% 98.59%$8,217,970 219,826IHC INC GRP88036 77,26260.99% 0.23% 98.82%$7,730,078 103,040BCBS OF VT GRP474537 51,52130.64% 0.21% 99.04%$6,817,620 0OREGON DENTAL GRP131338 0281.87% 0.19% 99.23%$6,510,102 27,022PACIFICSOURCE HLTH PLAN GRP470439 829.05% 0.18% 99.41%$6,085,129 42,722CARLE HOLDING CO GRP119240 19,06089.04% 0.17% 99.58%$5,261,104 66,075HAWAII MEDICAL SERV ASSN4994841 28,675143.95% 0.15% 99.72%$2,698,826 295,995KAISER FOUNDATION GRP60142 3048.90% 0.07% 99.80%$1,582,544 51,903VANGUARD HLTH VENTURES GRP121243 21,72918.24% 0.04% 99.84%$1,334,739 348,226HARVARD PILGRIM HLTH CARE GRP59544 153,56467.71% 0.04% 99.88%$1,218,592 119,595ROCKY MOUNTAIN HLTH GRP118445 119,59599.37% 0.03% 100.00%

$785,883 3NETWORK HLTH GRP267846 358.44% 0.02% 100.00%$684,796 1,534BCBS OF WY5376747 66630.79% 0.02% 100.00%$613,439 114,766GEISINGER INS GRP114348 50,704144.30% 0.02% 100.00%$378,097 16,008HEALTH INS CO OF AMER INC1399249 9117.29% 0.01% 100.00%$346,317 0INDEPENDENT HLTH BENEFITS CORP4703450 043.31% 0.01% 100.00%$311,687 18,196FIRSTCARE GRP354951 9,080(3.30)% 0.01% 100.00%

$5,684 193,507RENAISSANCE HLTH SERV CORP GRP47752 96,75451.58% 0.00% 100.00%

$3,599,681,569 104,088,075GRAND TOTAL 36,592,62177.75% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Other Business Market Share for Property/Casualty

Grand Total Other Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

$165,340,944 384,781ZURICH INS GRP2121 213,76776.72% 14.32% 14.32%$156,883,699 0QBE INS GRP7962 064.54% 13.59% 27.91%$143,518,822 3,411,828ASSURANT INC GRP193 3,411,8288.90% 12.43% 40.34%$116,062,319 497,082HIGHMARK GRP8124 248,54172.90% 10.05% 50.39%$109,072,525 2,138,078MUNICH RE GRP3615 7,277112.66% 9.45% 59.83%$102,948,291 242,740WHITE MOUNTAINS GRP11296 166,53863.02% 8.92% 68.75%

$90,333,146 3,343,607FAIRFAX FIN GRP1587 31562.11% 7.82% 76.57%$55,254,390 0CHUBB LTD GRP6268 045.43% 4.79% 81.36%$54,797,995 501,804BCS INS GRP239 239,47870.76% 4.75% 86.10%$51,413,085 0SWISS RE GRP18110 091.47% 4.45% 90.56%$24,087,701 151,031IRONSHORE GRP450911 18367.24% 2.09% 92.64%$23,969,581 646,131PARTNERRE GRP348312 87169.49% 2.08% 94.72%$14,721,910 52,119BENCHMARK INS CO4139413 4795.11% 1.27% 95.99%$12,519,701 9,557AMTRUST NGH GRP253814 13592.41% 1.08% 97.08%$11,494,427 89,531HOUSTON INTL INS GRP438115 7375.43% 1.00% 98.07%$10,521,731 54,822STATE FARM GRP17616 54,82244.56% 0.91% 98.98%

$5,497,733 95,557BERKSHIRE HATHAWAY GRP3117 95,55711.36% 0.48% 99.46%$4,154,063 24,075UPMC HLTH SYSTEM GRP132418 4149.72% 0.36% 99.82%

$739,121 23,800WR BERKLEY CORP GRP9819 4(16.43)% 0.06% 99.88%$445,871 19,586ZALE CORP GRP66920 19,5864.17% 0.04% 100.00%$439,880 849OREGON DENTAL GRP131321 307274.24% 0.04% 100.00%$331,706 15,377AEGON US HOLDING GRP46822 15,37732.82% 0.03% 100.00%$115,944 0FORTRESS GRP471623 086.23% 0.01% 100.00%

$1,154,664,585 11,705,397GRAND TOTAL 4,473,96468.09% 100.00%

© 2016 National Association of Insurance Commissioners 252

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Other Business Market Share for Fraternal

Grand Total Other Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

$3,073,010 2,532EVERENCE GRP46161 538.53% 100.00% 100.00%

$3,073,010 2,532GRAND TOTAL 538.53% 100.00%

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Market Share by Line of Business

Other Business

© 2016 National Association of Insurance Commissioners 255

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Other Business Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Credit (Individual and Group)

$305,855,200 2,580,315CUNA MUT GRP3061 2,580,31548.36% 33.11% 33.11%$176,623,401 3,895,386ASSURANT INC GRP192 3,893,50010.06% 19.12% 52.23%$110,795,849 717,479FORTRESS GRP47163 339,21040.47% 12.00% 64.23%

$79,293,243 911,707TIPTREE FIN GRP47184 911,70717.79% 8.58% 72.81%$67,294,833 576,297MINNESOTA MUT GRP8695 576,29732.78% 7.29% 80.10%$49,688,375 265,533AEGON US HOLDING GRP4686 265,53335.82% 5.38% 85.48%$41,256,449 231,756CENTRAL STATES GRP6907 231,75622.70% 4.47% 89.95%$22,268,632 207,822AMERICAN NATL FIN GRP4088 204,29421.11% 2.41% 92.36%$14,152,775 76,817PROTECTIVE LIFE INS GRP4589 76,81722.78% 1.53% 93.89%$11,990,565 2,579ENSTAR GRP472510 2,57929.57% 1.30% 95.19%$10,521,731 54,822STATE FARM GRP17611 54,82244.56% 1.14% 96.33%

$7,403,985 41,137PEKIN INS GRP15312 38,75333.94% 0.80% 97.13%$5,497,733 95,557BERKSHIRE HATHAWAY GRP3113 95,55711.36% 0.60% 97.72%$3,420,467 28,876INVESTORS HERITAGE LIFE INS CO6490414 16428.30% 0.37% 98.09%$3,213,444 14,397AMERICAN ENTERPRISE MUT GRP352715 14,39727.45% 0.35% 98.44%$2,675,241 18,216GUARANTEE TRUST GRP68716 4,23233.40% 0.29% 98.73%$1,810,394 22,475SWBC LIFE INS CO9953817 22,47512.13% 0.20% 98.93%$1,700,117 13,069INDIVIDUAL ASSUR CO LIFE HLTH & ACC8177918 018.53% 0.18% 99.11%$1,162,054 65,575ZALE CORP GRP66919 19,5871.62% 0.13% 99.24%

$980,366 0NATL GEN GRP94820 013.17% 0.11% 99.34%$962,583 0GGC GRP473621 049.07% 0.10% 99.45%$910,661 7,850KENTUCKY NATL INS GRP470322 7,83025.58% 0.10% 99.55%$842,102 11,424DELTA GRP59823 11,42421.09% 0.09% 99.64%$817,448 0WICHITA NATL LIFE GRP13224 028.69% 0.09% 99.73%$788,016 4,100FIRST NATL LIFE INS CO OF USA7423325 4,10032.76% 0.09% 99.81%$757,050 1,186PRIMERICA GRP475026 1,1866.83% 0.08% 99.89%$737,523 4,131LIFE ASSUR CO INC8567727 3,82425.66% 0.08% 100.00%$678,816 14,866CITIZENS GRP61228 14,8666.84% 0.07% 100.00%$651,391 4,997LANDCAR INS GRP50329 4,9972.55% 0.07% 100.00%$570,244 4,104MAPFRE INS GRP41130 4,1043.92% 0.06% 100.00%$402,785 0COOPERATIVA DE SEGUROS DE VIDA7971531 09.86% 0.04% 100.00%$252,722 15,119KILPATRICK LIFE GRP483532 15,11937.49% 0.03% 100.00%$210,786 3MULTINATIONAL GRP480433 3(3.81)% 0.02% 100.00%$136,001 0ARKANSAS BANKERS LIFE INS CO8611834 82147.57% 0.01% 100.00%$125,430 878ONEAMERICA FIN PARTNERS GRP61935 0(0.54)% 0.01% 100.00%$111,008 403LIFE INS CO OF LA7509436 4039.33% 0.01% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Other Business Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Credit (Individual and Group)

$89,554 0FOUNDATION LIFE INS CO OF AR8399237 034.91% 0.01% 100.00%$57,116 290INTER AMER GRP86338 3620.40% 0.01% 100.00%$25,288 14TD FRIEDKIN GRP427739 14(76.33)% 0.00% 100.00%

$5,684 1RENAISSANCE HLTH SERV CORP GRP47740 151.58% 0.00% 100.00%$5,348 34SHELTER INS GRP12341 340.00% 0.00% 100.00%$2,587 0SAVINGS BANK LIFE GRP455342 33(114.73)% 0.00% 100.00%$1,239 0WESTBRIDGE CAPITAL GRP83943 00.00% 0.00% 100.00%$1,142 5HEALTHMARKETS GRP26444 577.23% 0.00% 100.00%

$904 14ALFA INS GRP545 14539.49% 0.00% 100.00%$764 0GENERAL ELECTRIC GRP35046 0(27.75)% 0.00% 100.00%$583 1HCSC GRP91747 1(300.86)% 0.00% 100.00%$493 0AMERCO CORP GRP57448 0(4.87)% 0.00% 100.00%$402 4FINANCIAL HOLDINGS GRP44949 468.41% 0.00% 100.00%$169 14UNIVERSAL GUAR LIFE INS CO7013050 14104.73% 0.00% 100.00%

$97 0TRANS OCEANIC LIFE INS CO6952351 00.00% 0.00% 100.00%$77 1UNITED SERV AUTOMOBILE ASSN GRP20052 10.00% 0.00% 100.00%$57 0PRUDENTIAL OF AMER GRP30453 00.00% 0.00% 100.00%$33 0OLD REPUBLIC GRP15054 0(528,948.48)% 0.00% 100.00%$3 0CHUBB LTD GRP62655 0(15,333.33)% 0.00% 100.00%

$923,674,291 9,901,738GRAND TOTAL 9,413,31331.88% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Other Business Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Stop Loss/Excess Loss

$2,189,020,157 3,650,179CIGNA HLTH GRP9011 47,09275.69% 15.38% 15.38%$1,108,628,287 2,851,910UNITEDHEALTH GRP7072 986,85878.64% 7.79% 23.17%$1,006,051,086 4,360,107SUN LIFE ASSUR CO OF CN GRP5493 1,80370.11% 7.07% 30.24%

$970,707,482 3,179,070TOKIO MARINE HOLDINGS INC GRP30984 2,89275.68% 6.82% 37.06%$952,328,213 2,993,785ANTHEM INC GRP6715 1,811,08172.54% 6.69% 43.76%$794,485,977 4,617,992VOYA FINANCIAL GRP48326 2,007,82370.80% 5.58% 49.34%$773,690,495 2,508,943AETNA GRP17 1,084,74971.87% 5.44% 54.78%$683,610,708 2,410,294WHITE MOUNTAINS GRP11298 1,237,88266.06% 4.80% 59.58%$679,198,204 17,025,355HIGHMARK GRP8129 8,231,33572.26% 4.77% 64.35%$594,208,636 2,245,882HCSC GRP91710 1,072,37285.25% 4.18% 68.53%$450,381,018 1,023,464BCBS OF SC GRP66111 562,99881.98% 3.16% 71.69%$278,726,923 661BCBS OF MI GRP57212 66176.61% 1.96% 73.65%$219,688,099 1,056,300WR BERKLEY CORP GRP9813 52769.00% 1.54% 75.20%$183,850,132 22,469BCBS OF MN GRP46114 10,89680.46% 1.29% 76.49%$165,340,944 384,781ZURICH INS GRP21215 213,76776.72% 1.16% 77.65%$156,883,699 0QBE INS GRP79616 064.54% 1.10% 78.75%$151,611,105 497,199WELLMARK INC GRP77017 226,54891.98% 1.07% 79.82%$141,375,877 78,955TRUSTMARK MUT HOLDING CO GRP27618 45,18480.94% 0.99% 80.81%$136,333,534 445,996AEGON US HOLDING GRP46819 69278.34% 0.96% 81.77%$127,745,234 79,790ASSURANT INC GRP1920 45,783104.24% 0.90% 82.67%$119,922,595 855NORIDIAN MUT INS CO5589121 85574.43% 0.84% 83.51%$111,982,803 458,378MEDICAL MUT OF OH GRP73022 210,06071.16% 0.79% 84.30%$109,072,525 2,138,078MUNICH RE GRP36123 7,277112.66% 0.77% 85.06%

$99,435,327 411,957HUMANA GRP11924 214,25775.54% 0.70% 85.76%$91,600,672 202,525AMERICAN FIDELITY CORP GRP33025 121,65563.30% 0.64% 86.41%$91,536,160 59,510PAN AMER LIFE GRP52526 7,64870.08% 0.64% 87.05%$90,333,146 3,343,607FAIRFAX FIN GRP15827 31562.11% 0.63% 87.68%$85,565,652 552,817UNION LABOR GRP78128 240,35578.01% 0.60% 88.29%$84,761,539 0BCBS OF MA GRP363729 0100.56% 0.60% 88.88%$82,301,108 222,448PREMERA BLUE CROSS GRP96230 18684.26% 0.58% 89.46%$81,365,112 326BCBS OF KC GRP53731 129106.75% 0.57% 90.03%$79,625,993 298,466BCBS OF NC INC5463132 158,53649.32% 0.56% 90.59%$78,710,000 0HEALTHPARTNERS GRP125833 082.67% 0.55% 91.14%$67,295,763 147,767FIDELITY SECURITY GRP45134 77,16471.53% 0.47% 91.62%$61,265,736 0MEDICA GRP155235 084.92% 0.43% 92.05%$56,026,552 125,305GUIDEWELL MUT HOLDING GRP53636 73,42471.57% 0.39% 92.44%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Other Business Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Stop Loss/Excess Loss

$55,658,692 285,713CAPITAL BLUE CROSS GRP123037 147,85189.17% 0.39% 92.83%$55,254,390 0CHUBB LTD GRP62638 045.43% 0.39% 93.22%$54,851,945 103,123BCBS OF KS GRP43039 48,60074.85% 0.39% 93.61%$54,797,995 501,804BCS INS GRP2340 239,47870.76% 0.39% 93.99%$53,346,137 249,335BCBS OF TN GRP349841 124,75964.46% 0.37% 94.37%$53,239,038 180,569BLUE SHIELD OF CA GRP279842 86,39768.30% 0.37% 94.74%$52,838,332 161,484BCBS OF AZ INC5358943 79,36688.92% 0.37% 95.11%$51,413,085 0SWISS RE GRP18144 091.47% 0.36% 95.47%$46,234,644 138,973CAREFIRST INC GRP38045 69,17151.57% 0.32% 95.80%$42,753,026 0BCBS OF NE7778046 087.18% 0.30% 96.10%$41,304,924 146,004AMERICAN NATL FIN GRP40847 86,05351.58% 0.29% 96.39%$41,102,156 92,741NATIONWIDE CORP GRP14048 87,56168.76% 0.29% 96.68%$39,479,651 198,192CAMBIA HEALTH SOLUTIONS INC120749 88,46059.39% 0.28% 96.96%$37,706,639 0LIFETIME HLTHCARE GRP118650 074.78% 0.26% 97.22%$36,186,381 25,742AMTRUST NGH GRP253851 480103.08% 0.25% 97.47%$29,674,436 46,762EDUCATORS MUT GRP12652 28293.15% 0.21% 97.68%$27,608,506 94,555PREFERREDONE GRP349253 45,20665.10% 0.19% 97.88%$27,008,054 114,255LOUISIANA HLTH SERV GRP43854 56,42659.98% 0.19% 98.07%$24,087,701 151,031IRONSHORE GRP450955 18367.24% 0.17% 98.24%$23,969,581 646,131PARTNERRE GRP348356 87169.49% 0.17% 98.40%$23,048,632 0BLUE CROSS OF ID GRP129057 071.86% 0.16% 98.57%$18,932,614 0SPECTRUM HLTH GRP338358 00.00% 0.13% 98.70%$15,953,197 56,891AMALGAMATED LIFE INS CO6021659 5258.78% 0.11% 98.81%$14,721,910 52,119BENCHMARK INS CO4139460 4795.11% 0.10% 98.92%$14,579,707 17,519WISCONSIN PHYSICIANS SERV INS GRP6861 7,61776.71% 0.10% 99.02%$14,458,948 0BCBS OF NJ GRP120262 091.76% 0.10% 99.12%$12,588,037 415,502RGA INC GRP463963 0146.63% 0.09% 99.21%$11,703,362 0HEALTH NOW NY INC5520464 35,61492.97% 0.08% 99.29%$11,494,427 89,531HOUSTON INTL INS GRP438165 7375.43% 0.08% 99.37%$10,270,539 4,999PRESBYTERIAN HLTHCARE SERV GRP48166 3,02489.90% 0.07% 99.44%

$9,212,659 21,518AULTMAN HLTH FOUNDATION GRP480567 10,437100.09% 0.06% 99.51%$8,608,412 45,847BCBS OF RI5347368 26,08616.52% 0.06% 99.57%$8,217,970 0IHC INC GRP88069 2260.99% 0.06% 99.63%$7,730,078 53,977BCBS OF VT GRP474570 27,74630.64% 0.05% 99.68%$7,257,500 849OREGON DENTAL GRP131371 307281.41% 0.05% 99.73%$6,510,102 27,022PACIFICSOURCE HLTH PLAN GRP470472 829.05% 0.05% 99.78%$6,085,129 0CARLE HOLDING CO GRP119273 089.04% 0.04% 99.82%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Other Business Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Stop Loss/Excess Loss

$5,261,104 57,642HAWAII MEDICAL SERV ASSN4994874 25,655143.95% 0.04% 99.86%$4,154,063 24,075UPMC HLTH SYSTEM GRP132475 4149.72% 0.03% 99.89%$3,071,811 2,532EVERENCE GRP461676 538.55% 0.02% 100.00%$2,698,826 114,045KAISER FOUNDATION GRP60177 748.90% 0.02% 100.00%$2,108,997 225NATIONAL WESTERN LIFE INS CO6685078 22596.00% 0.01% 100.00%$1,582,544 3,512VANGUARD HLTH VENTURES GRP121279 518.24% 0.01% 100.00%$1,334,739 3,058HARVARD PILGRIM HLTH CARE GRP59580 1067.71% 0.01% 100.00%$1,218,592 677ROCKY MOUNTAIN HLTH GRP118481 67799.37% 0.01% 100.00%

$785,883 3NETWORK HLTH GRP267882 358.44% 0.01% 100.00%$684,796 1,534BCBS OF WY5376783 66630.79% 0.00% 100.00%$613,439 3,454GEISINGER INS GRP114384 1,475144.30% 0.00% 100.00%$389,049 0UNIFIED LIFE INS CO1112185 0(94.24)% 0.00% 100.00%$378,097 16,008HEALTH INS CO OF AMER INC1399286 9117.29% 0.00% 100.00%$346,317 0INDEPENDENT HLTH BENEFITS CORP4703487 043.31% 0.00% 100.00%$311,687 318FIRSTCARE GRP354988 165(3.30)% 0.00% 100.00%$302,846 1,706WEA INS CORP7227389 62583.41% 0.00% 100.00%$278,337 398NIPPON LIFE INS CO OF AMER8126490 177(2.48)% 0.00% 100.00%$137,620 0NEW ERA LIFE GRP52091 00.00% 0.00% 100.00%$125,514 0NATL GEN GRP94892 035.00% 0.00% 100.00%

$65,466 331HARTFORD FIRE & CAS GRP9193 1178.10% 0.00% 100.00%

$14,230,204,714 61,549,919GRAND TOTAL 20,003,94475.47% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Other Business Market Share by Line of Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

Total Non U.S. Policy Forms

$8,550,039,095 31,088,296AFLAC GRP3701 21,060,48557.54% 88.07% 88.07%$358,312,165 0CHUBB LTD GRP6262 046.47% 3.69% 91.76%$340,002,967 884,231METROPOLITAN GRP2413 534,03651.18% 3.50% 95.26%$173,445,008 99,355BUPA INS CO816474 063.82% 1.79% 97.05%$116,292,822 8,746,528ASSURANT INC GRP195 8,744,2259.39% 1.20% 98.25%

$61,977,195 99,098PAN AMER LIFE GRP5256 49,16160.12% 0.64% 98.89%$28,343,739 86,674FORTRESS GRP47167 2418.39% 0.29% 99.18%$25,512,630 12,681,073ALLIANZ INS GRP7618 5,072,08932.62% 0.26% 99.44%$18,489,451 0CHUBB INC GRP389 044.29% 0.19% 99.63%

$8,908,740 0MUNICH RE GRP36110 02.83% 0.09% 99.72%$7,075,971 3,428AMFIRST HOLDINGS GRP471911 838.76% 0.07% 99.80%$6,632,967 25,033WR BERKLEY CORP GRP9812 25,033116.98% 0.07% 99.86%$3,714,317 5,740KNIGHTS OF COLUMBUS5803313 5,7436.94% 0.04% 100.00%$3,048,535 0STARR GRP467014 038.06% 0.03% 100.00%$3,015,520 2,569BEST MERIDIAN INS CO6388615 1,36087.89% 0.03% 100.00%$1,358,017 11,696CUNA MUT GRP30616 11,69613.61% 0.01% 100.00%

$699,856 3,556MARQUETTE IND & LIFE INS CO8739417 3,55627.98% 0.01% 100.00%$504,392 9AMERICAN INTL GRP1218 5(10.63)% 0.01% 100.00%$433,561 1,220NEW YORK LIFE GRP82619 1,041(22.02)% 0.00% 100.00%$354,129 0LIBERTY MUT GRP11120 065.17% 0.00% 100.00%

$181 2TORCHMARK CORP GRP29021 21,048.62% 0.00% 100.00%

$9,708,161,258 53,777,597GRAND TOTAL 35,529,42456.20% 100.00%

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Accident and Health Policy Experience Report

Grand Total (Individual, Group, and Other)

Business

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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 2015

Market Share for All Statement Types

Grand Total Individual, Group and Other Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

$110,446,621,129 37,754,074UNITEDHEALTH GRP7071 28,220,40380.74% 14.69% 14.69%$55,180,895,688 44,668,068ANTHEM INC GRP6712 26,475,83482.44% 7.34% 22.02%$52,087,230,979 18,913,605HUMANA GRP1193 14,353,66184.84% 6.93% 28.95%$49,257,418,388 38,493,533AETNA GRP14 23,812,18182.22% 6.55% 35.50%$32,804,522,054 18,525,619HCSC GRP9175 9,952,30292.20% 4.36% 39.86%$22,726,216,702 53,671,564CIGNA HLTH GRP9016 1,361,75482.69% 3.02% 42.88%$18,982,154,784 4,284,502CENTENE CORP GRP12957 4,255,17687.86% 2.52% 45.41%$14,704,428,130 28,858,475HIGHMARK GRP8128 14,385,94793.98% 1.96% 47.36%$13,849,745,696 3,811,645INDEPENDENCE HLTH GRP INC GRP9369 2,814,84388.02% 1.84% 49.20%$12,229,584,060 3,573,663WELLCARE GRP119910 3,573,66384.49% 1.63% 50.83%$12,024,181,325 2,913,228MOLINA HEALTHCARE INC GRP153111 2,862,91882.22% 1.60% 52.43%$12,008,172,952 5,173,257GUIDEWELL MUT HOLDING GRP53612 3,091,37683.75% 1.60% 54.03%$11,931,735,037 2,548,354KAISER FOUNDATION GRP60113 1,391,61193.52% 1.59% 55.61%$11,221,413,157 5,156,803BCBS OF MI GRP57214 2,906,09185.40% 1.49% 57.10%$10,930,762,611 2,473,023BCBS OF NJ GRP120215 1,717,69485.57% 1.45% 58.56%

$8,338,776,418 2,144,777CAREFIRST INC GRP38016 1,199,15284.45% 1.11% 59.67%$7,758,672,431 2,985,676EMBLEM HLTH GRP112717 1,901,90688.26% 1.03% 60.70%$7,621,968,481 26,921,332METROPOLITAN GRP24118 405,64785.21% 1.01% 61.71%$7,527,541,016 3,419,391BCBS OF NC INC5463119 2,220,58289.76% 1.00% 62.71%$6,940,490,836 3,720,842BCBS OF MA GRP363720 1,982,33587.40% 0.92% 63.64%$6,796,978,676 3,630,543BCBS OF TN GRP349821 2,246,80587.12% 0.90% 64.54%$6,793,199,194 1,328,830CARESOURCE GRP368322 1,310,35185.12% 0.90% 65.44%$6,064,400,391 1,817,988LIFETIME HLTHCARE GRP118623 1,122,95888.89% 0.81% 66.25%$5,637,014,366 3,097,632UPMC HLTH SYSTEM GRP132424 849,42590.58% 0.75% 67.00%$5,561,588,964 21,676,964UNUMPROVIDENT CORP GRP56525 3,753,08391.70% 0.74% 67.74%$5,381,723,634 2,074,219CAMBIA HEALTH SOLUTIONS INC120726 1,170,33385.44% 0.72% 68.45%$5,045,548,831 21,695,692AFLAC GRP37027 11,754,63755.42% 0.67% 69.12%$4,897,711,385 3,509,463BCBS OF AL GRP57028 1,956,26495.00% 0.65% 69.78%$4,665,070,468 2,272,192BCBS OF MN GRP46129 1,368,31690.67% 0.62% 70.40%$4,112,483,398 671,340TUFTS GRP474230 551,28487.60% 0.55% 70.94%$4,054,095,815 2,455,780PREMERA BLUE CROSS GRP96231 1,205,26690.48% 0.54% 71.48%$3,872,959,290 4,199,177BCBS OF SC GRP66132 2,606,35781.60% 0.51% 72.00%$3,628,087,834 582,536MEDICA GRP155233 487,15488.60% 0.48% 72.48%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Market Share for All Statement Types

Grand Total Individual, Group and Other Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

$3,625,854,240 15,081,101GUARDIAN LIFE GRP42934 11,688,96672.11% 0.48% 72.96%$3,590,447,198 2,335,257WELLMARK INC GRP77035 1,285,87488.07% 0.48% 73.44%$3,579,768,007 500,442UCARE GRP438036 497,01990.78% 0.48% 73.91%$3,456,783,305 22,891,190MUTUAL OF OMAHA GRP26137 6,652,83874.61% 0.46% 74.37%$3,339,461,674 8,798,087ASSURANT INC GRP1938 7,531,963101.71% 0.44% 74.82%$3,233,784,090 759,662CAIDAN ENTERPRISES INC GRP464039 759,66286.34% 0.43% 75.25%$3,211,403,559 595,052GROUP HLTH COOP GRP118540 377,05886.95% 0.43% 75.68%$3,167,436,142 842,264LOUISIANA HLTH SERV GRP43841 508,72588.90% 0.42% 76.10%$3,055,775,767 726,487HAWAII MEDICAL SERV ASSN4994842 490,89887.59% 0.41% 76.50%$2,962,464,378 4,600,598CVS CAREMARK GRP466743 4,598,32870.39% 0.39% 76.90%$2,951,396,634 585,054HEALTH NET INC GRP62344 350,46599.63% 0.39% 77.29%$2,918,849,000 989,960HEALTHPARTNERS GRP125845 565,83787.47% 0.39% 77.68%$2,856,616,267 586,722SPECTRUM HLTH GRP338346 393,40684.16% 0.38% 78.06%$2,752,392,694 1,331,738GENWORTH FIN GRP401147 1,227,290130.17% 0.37% 78.42%$2,748,180,214 917,920HARVARD PILGRIM HLTH CARE GRP59548 486,35387.38% 0.37% 78.79%$2,616,558,492 914,004TRIPLE S GRP480249 739,01785.53% 0.35% 79.14%$2,586,656,085 2,296,953ARKANSAS BCBS GRP87650 1,156,75985.96% 0.34% 79.48%$2,405,094,713 1,075,348MEDICAL MUT OF OH GRP73051 558,51681.79% 0.32% 79.80%$2,382,398,065 445,370HENRY FORD HLTH SYSTEM GRP131152 278,11086.66% 0.32% 80.12%$2,310,729,720 389,695CDPHP INC GRP470853 282,21287.59% 0.31% 80.42%$2,257,310,818 505,741GEISINGER INS GRP114354 391,65786.07% 0.30% 80.72%$2,242,321,451 639,718HEALTH NOW NY INC5520455 346,79485.35% 0.30% 81.02%$2,197,225,181 16,890,997AEGON US HOLDING GRP46856 13,626,337109.35% 0.29% 81.31%$2,172,292,154 421,777NEIGHBORHOOD HLTH PLAN INC1110957 370,93699.79% 0.29% 81.60%$2,169,966,009 1,225,358JOHN HANCOCK GRP90458 1,225,01997.01% 0.29% 81.89%$2,039,973,795 861,688IHC INC GRP88059 423,140108.72% 0.27% 82.16%$2,024,458,158 129,778HEALTHFIRST INC GRP477860 129,77285.95% 0.27% 82.43%$2,004,123,385 314,684MVP GRP119861 218,90089.54% 0.27% 82.70%$1,999,961,399 7,079,953TOKIO MARINE HOLDINGS INC GRP309862 92,19671.97% 0.27% 82.97%$1,978,929,342 1,466,803BCBS OF AZ INC5358963 754,23389.63% 0.26% 83.23%$1,909,264,051 964,085BCBS OF KS GRP43064 550,31493.79% 0.25% 83.48%$1,909,091,684 1,856,608CNO FINANCIAL GRP23365 1,491,18093.00% 0.25% 83.74%$1,865,649,713 437,010CARE 1ST HEALTH PLAN1514366 437,01081.56% 0.25% 83.98%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Market Share for All Statement Types

Grand Total Individual, Group and Other Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

$1,835,247,255 459,475PRESBYTERIAN HLTHCARE SERV GRP48167 398,84780.74% 0.24% 84.23%$1,825,142,506 7,613,610SUN LIFE ASSUR CO OF CN GRP54968 79,33072.96% 0.24% 84.47%$1,822,133,887 331,881MEDICAL CARD SYSTEM INC GRP130169 253,16087.63% 0.24% 84.71%$1,798,024,927 1,193,454CAPITAL BLUE CROSS GRP123070 617,38583.64% 0.24% 84.95%$1,777,052,626 14,992,528HARTFORD FIRE & CAS GRP9171 95,40273.96% 0.24% 85.19%$1,763,558,574 1,217,629NORTHWESTERN MUT GRP86072 1,006,43761.96% 0.23% 85.42%$1,710,976,177 360,111CARLE HOLDING CO GRP119273 259,06192.58% 0.23% 85.65%$1,662,864,989 569,063BCBS OF RI5347374 334,01083.85% 0.22% 85.87%$1,656,424,912 281,029UNIVERSITY HLTH CARE INC5262175 281,02991.31% 0.22% 86.09%$1,653,982,531 664,301BCBS OF NE7778076 376,52190.07% 0.22% 86.31%$1,627,795,655 752,080BCBS OF KC GRP53777 410,16788.88% 0.22% 86.53%$1,596,621,593 307,801BOSTON MEDICAL CENTER HLTH PLAN INC1320378 307,80189.67% 0.21% 86.74%$1,596,405,584 262,271HEALTH PARTNERS PLANS INC9506679 262,27179.31% 0.21% 86.95%$1,558,447,797 47,689,069VISION SERV PLAN GRP118980 43,26281.21% 0.21% 87.16%$1,521,170,085 848,539BLUE CROSS OF ID GRP129081 577,37392.92% 0.20% 87.36%$1,510,453,693 204,047INDEPENDENT HLTH ASSN9530882 183,72894.17% 0.20% 87.56%$1,495,305,807 3,944,328PRINCIPAL FIN GRP33283 3,025,91766.77% 0.20% 87.76%$1,431,185,874 9,038,242LINCOLN NATL GRP2084 103,92875.74% 0.19% 87.95%$1,418,535,154 8,243,961DENTEGRA GRP247985 3,268,45874.37% 0.19% 88.14%$1,403,390,390 304,088SENTARA HLTH MGMT GRP118386 265,38792.16% 0.19% 88.33%$1,387,889,819 170,074UNIVERSAL AMER FIN CORP GRP95387 166,23182.03% 0.18% 88.51%$1,378,518,702 8,155,871STANCORP FIN GRP134888 7,894,26973.63% 0.18% 88.70%$1,329,426,767 514,043PROVIDENCE HLTH GRP478889 297,42495.25% 0.18% 88.87%$1,323,603,919 327,468VANGUARD HLTH VENTURES GRP121290 282,68682.09% 0.18% 89.05%$1,287,952,256 406,587INDIANA UNIVERSITY HLTH GRP463791 406,23588.15% 0.17% 89.22%$1,287,915,920 631,103MISSISSIPPI INS GRP112692 420,98386.24% 0.17% 89.39%$1,259,191,810 450,127BLUE SHIELD OF CA GRP279893 274,74273.55% 0.17% 89.56%$1,247,778,746 507,236NORIDIAN MUT INS CO5589194 277,88783.42% 0.17% 89.72%$1,219,380,017 271,627DEAN HLTH GRP129495 170,74988.37% 0.16% 89.89%$1,212,761,606 4,468,735TORCHMARK CORP GRP29096 14,053,94966.70% 0.16% 90.05%$1,197,820,344 8,024,250PRUDENTIAL OF AMER GRP30497 98,50584.45% 0.16% 90.21%$1,164,911,705 2,368,319AMERICAN INTL GRP1298 1,245,22269.45% 0.15% 90.36%$1,162,101,365 4,179,903RENAISSANCE HLTH SERV CORP GRP47799 558,39784.22% 0.15% 90.52%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Market Share for All Statement Types

Grand Total Individual, Group and Other Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

$1,158,289,700 201,842SECURITY HLTH PLAN OF WI INC96881100 152,32092.84% 0.15% 90.67%$1,135,692,001 173,663FALLON GRP4741101 110,88588.04% 0.15% 90.82%$1,133,693,645 416,035OREGON DENTAL GRP1313102 247,057109.92% 0.15% 90.97%$1,120,440,631 0CHUBB LTD GRP626103 057.38% 0.15% 91.12%$1,065,313,527 311,447COMMUNITY HLTH PLAN OF WA47049104 311,44788.71% 0.14% 91.26%$1,053,641,238 610,263MAGELLAN HLTH INC GRP1260105 420,37291.11% 0.14% 91.40%$1,014,860,575 178,418NEIGHBORHOOD HLTH PLAN OF RI INC95402106 178,15586.14% 0.13% 91.54%

$970,676,963 1,126,529STATE FARM GRP176107 941,64894.13% 0.13% 91.67%$963,995,094 177,949NETWORK HLTH GRP2678108 134,09988.89% 0.13% 91.79%$957,733,349 391,746TEXAS CHILDRENS HLTH PLAN INC95329109 391,74688.58% 0.13% 91.92%$950,476,197 6,875,213VOYA FINANCIAL GRP4832110 3,211,14069.66% 0.13% 92.05%$907,540,798 3,011,134WHITE MOUNTAINS GRP1129111 1,855,22063.42% 0.12% 92.17%$899,267,419 209,397BAYSTATE HLTH GRP4756112 150,96893.20% 0.12% 92.29%$892,006,966 95,424HEALTHPLUS OF MI GRP3409113 58,82593.27% 0.12% 92.41%$873,300,882 202,537PACIFICSOURCE HLTH PLAN GRP4704114 156,67790.47% 0.12% 92.52%$857,728,613 294,633COMMUNITY HLTH CHOICE INC95615115 281,52688.17% 0.11% 92.64%$856,349,001 4,031,189LIBERTY MUT GRP111116 4,025,31890.50% 0.11% 92.75%$833,084,039 177,199UNITY HLTH PLANS INS CORP95796117 93,14990.07% 0.11% 92.86%$819,443,003 327,734AVMED INC95263118 189,50086.49% 0.11% 92.97%$811,956,280 68,431AMERICAS 1ST CHOICE GRP4755119 68,43172.87% 0.11% 93.08%$809,580,029 27,062ELDERPLAN INC95662120 27,06285.55% 0.11% 93.19%$807,640,197 5,786,056ALLSTATE INS GRP8121 3,288,47353.28% 0.11% 93.29%$787,137,960 2,069,180AMERICAN FIDELITY CORP GRP330122 1,616,72755.13% 0.10% 93.40%$786,752,301 2,576,963MCNA GRP4730123 2,576,96380.29% 0.10% 93.50%$765,601,618 1,678,099AMERITAS MUT HOLDING GRP943124 124,94467.50% 0.10% 93.61%$754,697,046 10,868,237FIDELITY SECURITY GRP451125 5,142,69371.69% 0.10% 93.71%

$752,054,231,035 846,227,928GRAND TOTAL 408,073,60385.28% 100.00%

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Top 25 Groups by Company

Grand Total Business

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

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

$110,446,621,129 37,754,07428,220,403UNITEDHEALTH GRP7071 80.74% 14.69%$899,032,422 334,262201,578ALL SAVERS INS CO82406 112.03%

$264,644 14467ALL SAVERS LIFE INS CO OF CA73130 216.06%$0 00AMERICHOICE OF CT INC13178 N/A

$2,388,190,102 482,976482,976AMERICHOICE OF NJ INC95497 81.40%$1,297,747,830 98,55498,554CARE IMPROVEMENT PLUS OF TX INS CO12558 82.74%$3,290,318,830 259,612259,612CARE IMPROVEMENT PLUS S CENTRAL INS12567 84.16%

$67,891,108 7,6287,628CARE IMPROVEMENT PLUS WI INS CO14041 83.04%$1,979,771 15,4027,973DENTAL BENEFIT PROVIDERS OF IL INC52053 66.92%

$1,511,039,383 781,093456,423GOLDEN RULE INS CO62286 71.31%$0 00HARKEN HLTH INS CO79480 N/A

)$(107,294 00HEALTH NET INS CO NY INC43893 0.00%$2,346,884,707 565,751443,819HEALTH PLAN OF NV96342 83.28%

$53,357,652 11,9167,444MAMSI LIFE & HLTH INS CO60321 65.80%$354,679,948 59,83925,837MD INDIVIDUAL PRACTICE ASSN INC96310 82.43%

)$(156,380 00MEDICA HLTH PLANS OF FL INC12756 0.00%$523,122,361 35,81035,810MEDICA HLTHCARE PLANS INC12155 87.18%$15,693,183 148,58580,132NATIONAL PACIFIC DENTAL INC95251 56.88%

$528,539,064 116,03377,455NEIGHBORHOOD HLTH PARTNERSHIP INC95123 77.99%$3,145,539 20,1199,863NEVADA PACIFIC DENTAL INC95758 72.37%

$197,594,163 43,48124,966OPTIMUM CHOICE INC96940 71.13%$5,877,872,918 862,315445,801OXFORD HLTH INS INC78026 74.30%

$457,439,566 41,46939,586OXFORD HLTH PLANS CT INC96798 72.78%$989,155,334 109,16396,366OXFORD HLTH PLANS NJ INC95506 81.15%

$1,793,896,128 203,636145,620OXFORD HLTH PLANS NY INC95479 80.43%$15,773,174 53,81223,658PACIFICARE LIFE & HLTH INS CO70785 68.25%

$0 00PACIFICARE LIFE ASSUR CO84506 N/A$965,542,635 96,76996,769PACIFICARE OF AZ INC95617 80.96%$974,050,075 100,480100,480PACIFICARE OF CO INC95434 77.10%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

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

$128,772,393 14,36714,367PACIFICARE OF NV INC956851 86.98%$375,413,858 27,74227,742PHYSICIANS HLTH CHOICE OF TX LLC11494 86.18%$732,373,483 59,58559,585PREFERRED CARE PARTNERS INC11176 80.64%

$6,733,472,852 748,570697,966SIERRA HLTH & LIFE INS CO INC71420 88.05%$303,578,467 1,185,600187,836UNIMERICA INS CO91529 68.79%

$4,977,428 14,28614,286UNIMERICA LIFE INS CO OF NY11596 55.22%$6,539,778 00UNISON HLTH PLAN OF THE CAPITAL AREA13032 -6.47%

$944,111,998 310,345302,856UNITED HLTH CARE OF MS INC95716 85.90%$959,436,302 271,519144,179UNITED HLTHCARE INS CO OF IL60318 75.39%

$2,897,126,368 1,390,2001,119,462UNITED HLTHCARE INS CO OF NY60093 78.49%$889,003,525 177,227173,113UNITED HLTHCARE MID ATLANTIC INC95025 95.37%$456,751,691 55,79150,634UNITED HLTHCARE OF AL INC95784 77.49%

$10,213,328 3,1231,846UNITED HLTHCARE OF AR INC95446 71.05%$256,543,484 31,56625,661UNITED HLTHCARE OF AZ INC96016 77.45%

$36,349,385 11,5637,294UNITED HLTHCARE OF CO INC95090 74.38%$3,255,788,898 556,707482,266UNITED HLTHCARE OF FL INC95264 92.73%

$174,499,139 28,50121,511UNITED HLTHCARE OF GA INC95850 91.78%$90,165,114 20,63912,508UNITED HLTHCARE OF KY LTD96644 77.26%

$1,074,023,714 355,756345,201UNITED HLTHCARE OF LA INC95833 85.64%$287,519,412 69,69469,694UNITED HLTHCARE OF MIDLANDS INC95591 82.40%

$1,568,643,725 195,574195,008UNITED HLTHCARE OF MIDWEST INC96385 80.53%$683,371,545 61,38558,281UNITED HLTHCARE OF OH INC95186 75.26%$444,048,196 53,97650,591UNITED HLTHCARE OF UT INC95501 83.66%

$2,626,498,951 205,046204,528UNITEDHEALTHCARE BENEFITS OF TX INC95174 83.36%$1,229,688,501 260,553258,804UNITEDHEALTHCARE COMM PLAN INC95467 78.10%$2,150,581,753 290,732290,732UNITEDHEALTHCARE COMM PLAN OF OH INC12323 76.54%$2,125,692,912 241,299241,299UNITEDHEALTHCARE COMM PLAN OF TX LLC11141 82.43%

$39,800,490,320 23,718,63417,330,075UNITEDHEALTHCARE INS CO79413 78.26%$723,426,285 180,924104,909UNITEDHEALTHCARE INS CO OF THE RIVER12231 83.05%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

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

$702,410,854 254,363157,807UNITEDHEALTHCARE LIFE INS CO971791 110.07%$108,371,086 22,00312,840UNITEDHEALTHCARE OF IL INC95776 72.99%

$1,283,545,678 163,454138,227UNITEDHEALTHCARE OF NC INC95103 81.18%$786,782,856 114,216111,806UNITEDHEALTHCARE OF NEW ENGLAND INC95149 82.28%$919,169,774 86,53986,539UNITEDHEALTHCARE OF NM INC13214 82.84%

$3,025,440,871 573,621570,394UNITEDHEALTHCARE OF NY INC95085 81.27%$256,028,826 25,32425,032UNITEDHEALTHCARE OF OR INC95893 79.17%

$1,121,683,386 274,509266,080UNITEDHEALTHCARE OF PA INC95220 81.48%$28,500,416 9,4866,336UNITEDHEALTHCARE OF TX INC95765 86.01%

$1,428,161,162 300,056285,004UNITEDHEALTHCARE OF WA INC48038 84.15%$1,504,086,591 276,114258,753UNITEDHEALTHCARE OF WI INC95710 77.23%$3,406,874,180 626,339608,704UNITEDHEALTHCARE PLAN OF THE RIVER V95378 77.38%

$353,515,781 38,29732,230UNITEDHEATHCARE OF OK INC96903 82.04%

$55,180,895,688 44,668,06826,475,834ANTHEM INC GRP6712 82.44% 7.34%$20,242,656 2,3072,307AMERIGROUP COMM CARE OF NM INC12354 81.72%

$1,309,826,166 392,725392,725AMERIGROUP FL INC95093 88.49%$491,869,709 126,145126,145AMERIGROUP INS CO14078 86.41%

$1,004,910,689 129,758129,758AMERIGROUP KS INC14276 84.41%$506,310,526 171,924171,924AMERIGROUP LA INC14064 86.24%$946,669,564 253,305253,305AMERIGROUP MD INC95832 85.98%

$1,208,185,986 208,564208,564AMERIGROUP NJ INC95373 78.24%$560,027,828 182,844182,844AMERIGROUP NV INC12586 79.94%

$81,374 00AMERIGROUP OH INC DBA COMM CARE10767 -816.08%$1,688,405,217 426,813426,813AMERIGROUP TN INC12941 80.75%$3,611,046,103 688,065688,065AMERIGROUP TX INC95314 83.05%

$509,567,902 143,146143,146AMERIGROUP WASHINGTON INC14073 82.18%$1,202,841,864 380,922380,922AMGP GA MANAGED CARE CO INC12229 78.00%$3,604,775,914 6,965,3293,748,169ANTHEM BLUE CROSS LIFE & HLTH INS CO62825 77.67%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

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

$1,577,082,975 1,468,171741,240ANTHEM HLTH PLANS INC602172 82.54%$2,162,265,037 2,005,5231,074,975ANTHEM HLTH PLANS OF KY INC95120 81.13%$1,035,031,460 444,681246,380ANTHEM HLTH PLANS OF ME INC52618 86.69%

$466,862,725 260,138146,347ANTHEM HLTH PLANS OF NH53759 84.93%$3,716,789,169 3,336,3151,786,999ANTHEM HLTH PLANS OF VA INC71835 82.87%$5,296,743,466 6,423,3163,800,285ANTHEM INS CO INC28207 81.21%

$490,396,578 95,08295,082ANTHEM KY MANAGED CARE PLAN INC15543 71.89%$2,176,578 44,38144,381ANTHEM LIFE & DISABILITY INS CO13573 71.02%

$101,380,073 1,237,3221,232,078ANTHEM LIFE INS CO61069 58.78%$1,785,151,746 1,335,445727,587BCBS HLTHCARE PLAN OF GA INC96962 80.10%$1,952,027,939 2,369,6231,177,993BCBS OF GA INC54801 87.11%

$735,182,192 1,111,914525,113BCBS OF WI54003 84.36%$268,049,800 95,51795,517BETTER HLTH INC15480 87.73%$199,825,532 15,98615,986CAREMORE HLTH PLAN OF AZ INC13562 79.97%

$83,775,860 6,4726,472CAREMORE HLTH PLAN OF NV13605 81.78%$5,255,640,706 4,540,5282,233,942COMMUNITY INS CO10345 82.53%

$681,620,638 233,919160,970COMPCARE HLTH SERV INS CORP95693 84.15%$2,598,216,777 4,496,7512,226,891EMPIRE HEALTHCHOICE ASSUR INC55093 85.09%$1,250,275,339 164,037128,104EMPIRE HEALTHCHOICE HMO INC95433 89.86%

$12,565,451 177,740178,038GREATER GA LIFE INS CO97217 45.16%$2,833,491,417 799,790605,351HEALTHKEEPERS INC95169 84.81%

$0 316,536170,836HEALTHLINK HMO INC96475 N/A$1,812,817,159 1,061,572585,702HEALTHY ALLIANCE LIFE INS CO78972 79.88%

$241,360,571 103,43856,757HMO CO INC95473 87.83%$134,834,319 26,09216,037HMO MO INC95358 77.26%$515,525,642 209,170106,947MATTHEW THORTON HLTH PLAN INC95527 75.36%

$1,908,168,095 1,425,214781,892ROCKY MOUNTAIN HOSPITAL & MEDICAL11011 83.59%$987,385,051 116,224116,224SIMPLY HLTHCARE PLANS INC13726 79.07%$314,670,030 126,548126,548UNICARE HLTH PLAN OF WV INC11810 83.98%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

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

$96,821,865 548,776410,473UNICARE LIFE & HLTH INS CO803142 77.70%

$52,087,230,979 18,913,60514,353,661HUMANA GRP1193 84.84% 6.93%$71,088,854 7,8707,870ARCADIAN HLTH PLAN INC12151 92.07%

$1,754,018,668 115,666115,666CAREPLUS HLTH PLANS INC95092 76.60%$1,173,670,923 114,835114,835CARITEN HLTH PLAN INC95754 86.29%

$77,647,916 11,44211,442CHA HMO INC95158 90.47%$108,462,570 1,108,828602,130COMPBENEFITS CO52015 63.13%

$12,126,882 74,83043,176COMPBENEFITS DENTAL INC11228 51.99%$98,240,008 682,488410,247COMPBENEFITS INS CO60984 71.99%$29,707,310 225,910131,038DENTICARE INC95161 49.04%

$6,306 00EMPHESYS INS CO88595 -28.50%$700,367,009 69,27068,771HUMANA BENEFIT PLAN OF IL INC60052 87.89%

$236,884 904510HUMANA DENTAL CONCERN LTD52028 33.69%$2,285,828,697 495,535330,572HUMANA EMPLOYERS HLTH PLAN GA INC95519 95.60%$1,838,527,707 276,971221,840HUMANA HLTH BENEFIT PLAN OF LA INC95642 84.27%

$42,643,205 5,3685,368HUMANA HLTH CO OF NY INC13558 90.94%$265,925,899 86,03155,112HUMANA HLTH INS CO OF FL INC69671 82.04%

$6,554,062,662 1,196,548781,899HUMANA HLTH PLAN INC95885 87.09%$591,674,997 96,56771,723HUMANA HLTH PLAN OF OH INC95348 91.01%

$2,011,928,627 372,413273,727HUMANA HLTH PLAN OF TX INC95024 91.22%$417,816,979 58,19251,691HUMANA HLTH PLANS OF PR95721 88.16%

$23,191,195,082 9,329,6577,998,149HUMANA INS CO73288 83.88%$28,749,407 90,15348,501HUMANA INS CO OF KY60219 67.30%

$253,453,011 156,396153,910HUMANA INS CO OF NY12634 82.97%$96,749,943 90,92359,638HUMANA INS CO OF PR INC84603 77.72%

$8,880,234,381 1,204,0941,068,577HUMANA MEDICAL PLAN INC95270 82.91%$80,787,733 17,01113,614HUMANA MEDICAL PLAN OF MI INC14224 81.68%$35,181,157 4,3324,332HUMANA MEDICAL PLAN OF PA INC14462 82.06%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

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

$69,126,202 18,61613,801HUMANA MEDICAL PLAN OF UT INC129083 92.40%$22,027,345 2,4392,439HUMANA REGIONAL HLTH PLAN INC12282 92.90%

$593,193,941 83,51961,323HUMANA WI HLTH ORG INS CORP95342 90.36%$395,167,628 2,100,1761,127,369HUMANADENTAL INS CO70580 65.91%$211,239,603 26,10626,106INDEPENDENT CARE HLTH PLAN11695 80.07%$161,895,911 554,310353,531KANAWHA INS CO65110 121.00%

$34,247,532 236,205124,754THE DENTAL CONCERN INC54739 65.16%

$49,257,418,388 38,493,53323,812,181AETNA GRP14 82.22% 6.55%$0 00AETNA BETTER HLTH INC13174 N/A

$783,077,887 20,04020,040AETNA BETTER HLTH INC14229 88.75%$180,946,342 38,23838,238AETNA BETTER HLTH INC15616 94.34%

$1,360,105,176 180,530180,530AETNA BETTER HLTH INC14043 93.49%$68,489,786 18,57818,578AETNA BETTER HLTH INC15611 94.11%

$849,001,663 189,576189,576AETNA BETTER HLTH INC13735 78.90%$282,652,074 48,09448,094AETNA BETTER HLTH OF MI INC12193 80.05%

$70,541,085 83,51683,516AETNA BETTER HLTH OF TX INC95040 79.70%$39,807,301 241,730116,234AETNA DENTAL INC95910 56.86%$11,702,240 181,4932,275AETNA DENTAL INC NJ CORP11183 79.64%

$139,873,895 28,93416,111AETNA HEALTH INC LA95173 99.11%$58,240,659 61,67661,676AETNA HLTH & LIFE INS CO78700 72.06%

$313,685,214 70,28149,272AETNA HLTH INC95241 91.31%$228,327,445 24,38623,518AETNA HLTH INC CT CORP95935 84.79%

$1,632,780,498 280,850158,475AETNA HLTH INC FL CORP95088 81.31%$646,086,585 190,727115,414AETNA HLTH INC GA CORP95094 88.57%

$80,575,317 11,7299,868AETNA HLTH INC ME CORP95517 85.62%$1,135,341,374 154,88897,832AETNA HLTH INC NJ CORP95287 81.33%

$301,560,800 30,67723,294AETNA HLTH INC NY CORP95234 77.78%$2,877,265,113 541,863312,397AETNA HLTH INC PA CORP95109 79.03%

© 2016 National Association of Insurance Commissioners 278

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

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

$517,186,225 51,65137,313AETNA HLTH INC TX CORP954904 83.39%$26,025,095 201,392107,989AETNA HLTH INS CO72052 149.66%

$485,752 1,822714AETNA HLTH INS CO OF NY84450 121.19%$23,352,424,394 31,422,53318,691,357AETNA LIFE INS CO60054 81.27%

$301,001,924 204,20699,139ALTIUS HLTH PLANS INC95407 85.85%$381,900,590 199,258199,258AMERICAN CONTINENTAL INS CO12321 78.09%$376,951,686 244,064244,064CONTINENTAL LIFE INS CO BRENTWOOD68500 74.29%

$4,048,003,652 787,841631,751COVENTRY HLTH & LIFE INS CO81973 79.81%$83,938,210 6,4783,825COVENTRY HLTH CARE OF DE INC96460 79.29%

$1,288,504,151 335,205259,680COVENTRY HLTH CARE OF FL INC95114 89.27%$277,837,743 80,93535,140COVENTRY HLTH CARE OF IL INC74160 85.85%$381,540,999 189,76699,880COVENTRY HLTH CARE OF KS INC95489 81.17%$820,847,941 347,63976,540COVENTRY HLTH CARE OF MO INC96377 81.73%$608,608,915 192,403150,669COVENTRY HLTH CARE OF NE INC95925 91.22%$742,288,932 182,337127,664COVENTRY HLTH CARE OF THE CAROLINAS95321 94.07%$466,239,609 91,34774,998COVENTRY HLTH CARE OF VA INC96555 85.39%$342,796,447 126,960125,979COVENTRY HLTH CARE OF W VA INC95408 82.64%$372,746,728 5,1262,932COVENTRY HLTH PLAN OF FL INC95266 77.16%$714,459,183 708,898698,172FIRST HLTH LIFE & HLTH INS CO90328 72.00%

$16,781,257 56,26036,439GROUP DENTAL SERV OF MD INC95846 64.45%$830,582,696 92,24481,804HEALTHAMER PA INC95060 81.10%

$1,243,336,510 158,801120,990HEALTHASSURANCE PA INC11102 83.53%$717,356,298 263,596263,596HEALTHCARE USA OF MO LLC95318 85.55%$205,534,089 122,09164,291INNOVATION HLTH INS CO15097 82.75%

$79,978,908 22,87413,059INNOVATION HLTH PLAN INC15098 73.43%$0 00MHNET LIFE & HLTH INS CO12509 N/A

$32,804,522,054 18,525,6199,952,302HCSC GRP9175 92.20% 4.36%$138,084,141 180180DEARBORN NATL LIFE INS CO71129 79.81%

© 2016 National Association of Insurance Commissioners 279

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

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

$1,248,667 26,37826,261DEARBORN NATL LIFE INS CO OF NY850905 112.47%$54,087,734 8,3406,396GHS HMO INC DBA BLUELINCS HMO11814 96.44%

$6,010,165 885885GHS INS CO29718 94.61%$37,306,555 4,4854,485GHS MANAGED HLTH CARE PLANS INC14048 109.76%

$1,312,135,475 515,488501,270HCSC INS SERV CO78611 84.31%$31,255,649,317 17,969,8639,412,825HEALTH CARE SERV CORP A MUT LEGAL RE70670 92.55%

$22,726,216,702 53,671,5641,361,754CIGNA HLTH GRP9016 82.69% 3.02%$23,719,014 4,43431ALLEGIANCE LIFE & HLTH INS CO INC12814 86.81%

$191,085,175 121,853121,853AMERICAN RETIREMENT LIFE INS CO88366 77.78%$287,908,922 20,59120,591BRAVO HLTH MID ATLANTIC INC10095 91.44%$773,280,614 54,12154,121BRAVO HLTH PA INC11524 82.44%

$6,872,069 2,4422,180CENTRAL RESERVE LIFE INS CO61727 63.78%$9,130,359 39,630703CIGNA DENTAL HLTH OF CO INC11175 59.09%

$183,785 1,010155CIGNA DENTAL HLTH OF DE INC95380 85.09%$33,075,481 155,1562,753CIGNA DENTAL HLTH OF FL INC52021 42.40%

$1,791,636 7,918386CIGNA DENTAL HLTH OF KS INC52024 57.14%$10,928,444 49,535931CIGNA DENTAL HLTH OF KY INC52108 45.42%$11,784,089 56,011797CIGNA DENTAL HLTH OF MD INC48119 48.84%

$5,119,331 22,362522CIGNA DENTAL HLTH OF MO INC11160 69.15%$5,435,066 21,744742CIGNA DENTAL HLTH OF NC INC95179 77.11%

$11,538,489 64,2951,397CIGNA DENTAL HLTH OF NJ INC11167 80.00%$8,806,589 41,562725CIGNA DENTAL HLTH OF OH INC47805 54.27%$5,461,853 23,098953CIGNA DENTAL HLTH OF PA INC47041 41.75%

$32,017,995 161,5141,289CIGNA DENTAL HLTH OF TX INC95037 41.72%$5,552,507 25,740767CIGNA DENTAL HLTH OF VA INC52617 48.90%

$13,980,560 68,455928CIGNA DENTAL HLTH PLAN OF AZ INC47013 50.99%$1,008,520 10958CIGNA HLTCARE OF IN INC95525 83.29%

$12,164,705,400 33,715,688377,777CIGNA HLTH & LIFE INS CO67369 83.22%

© 2016 National Association of Insurance Commissioners 280

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

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

$0 00CIGNA HLTHCARE NH INC954936 N/A$558,627,024 59,6336,897CIGNA HLTHCARE OF AZ INC95125 95.42%

$7,223,550 1,358727CIGNA HLTHCARE OF CO INC95604 94.85%$10,146,708 33,72217,116CIGNA HLTHCARE OF CT INC95660 56.32%

$1,330,656 235113CIGNA HLTHCARE OF FL INC95136 94.34%$173,765,276 22,14422,057CIGNA HLTHCARE OF GA INC96229 96.43%

$887,862 16799CIGNA HLTHCARE OF IL INC95602 48.78%$75,680,184 9,5978,475CIGNA HLTHCARE OF NC INC95132 89.35%

$1,655,456 15079CIGNA HLTHCARE OF NJ INC95500 142.22%$80,223,848 8,8458,841CIGNA HLTHCARE OF SC INC95708 84.74%

$6,301,028 974422CIGNA HLTHCARE OF ST LOUIS INC95635 76.76%$19,283,910 3,4951,941CIGNA HLTHCARE OF TN INC95606 75.42%$84,170,475 11,8915,113CIGNA HLTHCARE OF TX INC95383 83.12%

$103,376,903 948,3203,240CIGNA LIFE INS CO OF NY64548 72.32%$37,322 5319CIGNA WORLDWIDE INS CO90859 3,395.46%

$389,203,714 725,41768,842CONNECTICUT GEN LIFE INS CO62308 67.75%$2,209,181,299 166,636166,636HEALTHSPRING LIFE & HLTH INS CO INC12902 82.33%

$637,724,568 56,44056,440HEALTHSPRING OF AL INC95781 85.81%$879,260,268 51,39351,393HEALTHSPRING OF FL INC11532 86.02%

$1,586,365,952 130,212130,212HEALTHSPRING OF TN INC11522 82.08%$2,017,429,870 16,568,80329,372LIFE INS CO OF N AMER65498 79.85%

$167,186,334 174,847154,097LOYAL AMER LIFE INS CO65722 68.50%$11,419,793 2,8592,859PROVIDENT AMER LIFE & HLTH INS CO67903 69.15%

$102,348,804 37,10537,105STERLING LIFE INS CO77399 74.01%

$18,982,154,784 4,284,5024,255,176CENTENE CORP GRP12957 87.86% 2.52%$438,244,366 103,964103,964ABSOLUTE TOTAL CARE INC12959 86.07%

$36,616,206 15,25711,526AMBETTER OF MAGNOLIA INC15762 75.62%$2,020,176,853 516,853516,853BANKERS RESERVE LIFE INS CO OF WI71013 87.96%

© 2016 National Association of Insurance Commissioners 281

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

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

$1,993,297,084 311,492310,343BUCKEYE COMM HLTH PLAN INC118347 80.18%$184,478,734 55,14051,375CELTIC INS CO80799 71.97%$222,764,205 50,80950,440CELTICARE HLTH PLAN OF MA INC13632 67.48%$816,045,873 298,946290,161COORDINATED CARE CORP95831 82.30%$572,041,023 181,821181,821COORDINATED CARE OF WA INC15352 94.45%

$60,547,362 7,5407,540FIDELIS SECURECARE OF MI INC10769 91.40%$329,956,913 72,33772,337GRANITE STATE HLTH PLAN INC14226 91.73%$273,451,159 93,50693,506HOME STATE HLTH PLAN INC14218 94.18%

$1,092,756,916 209,178208,960ILLINICARE HLTH PLAN INC14053 96.54%$0 00KENTUCKY SPIRIT HEALTH PLAN INC14100 N/A

$1,194,384,387 382,198382,198LOUISIANA HEALTHCARE CONNECTIONS INC13970 87.33%$883,470,310 268,212267,887MAGNOLIA HLTH PLAN INC13923 87.97%$111,864,655 39,79039,790MANAGED HLTH SERV INS CORP96822 132.02%

$1,117,611,940 408,624404,009PEACH STATE HLTH PLAN INC12315 78.00%$1,123,325,388 141,044141,044SUNFLOWER STATE HLTH PLAN INC14345 90.31%$3,132,706,122 528,927525,014SUNSHINE STATE HLTH PLAN INC13148 93.85%$2,883,049,201 497,747495,291SUPERIOR HLTHPLAN INC95647 86.87%

$495,366,087 101,117101,117TRILLIUM COMM HLTH PLAN INC12559 88.22%

$14,704,428,130 28,858,47514,385,947HIGHMARK GRP8128 93.98% 1.96%$576,156,542 231,693119,777FIRST PRIORITY LIFE INS CO INC60147 95.71%

$2,169,817,306 360,963360,963GATEWAY HLTH PLAN INC96938 88.09%$60,047,601 7,3447,344GATEWAY HLTH PLAN OF OH INC12325 91.28%

$640,419,681 335,386289,886HIGHMARK BCBSD INC53287 91.45%$37,336,617 10,0295,640HIGHMARK BENEFITS GRP INC15508 84.10%

$116,187,587 497,198248,657HIGHMARK CAS INS CO35599 73.10%$10,946,084 2,1621,169HIGHMARK COVERAGE ADVANTAGE INC15507 74.19%

$3,951,642,528 3,460,5141,679,928HIGHMARK INC54771 97.21%$1,974,458,897 173,395173,395HIGHMARK SENIOR HLTH CO15460 90.61%

© 2016 National Association of Insurance Commissioners 282

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

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

$85,271,076 6,8726,861HIGHMARK SENIOR SOLUTIONS CO154598 93.14%$1,077,241,653 285,914152,710HIGHMARK WEST VIRGINIA INC.54828 122.18%

$852,664,686 201,105147,434HM HLTH INS CO71768 98.36%$639,559,690 18,025,4919,164,848HM LIFE INS CO93440 71.92%

$66,125,537 2,029,652506HM LIFE INS CO OF NY60213 81.06%$44,753,462 29,21216,179HMO OF NE PA96601 77.96%

$1,524,845,953 162,844141,166KEYSTONE HLTH PLAN W INC95048 89.12%$0 00UNITED CONCORDIA COMPANIES INC89070 N/A

$11,095,662 80,30555,876UNITED CONCORDIA DENTAL PLAN PA INC47089 80.57%$3,728,506 20,45411,750UNITED CONCORDIA DENTAL PLANS95253 52.41%

$486,076 1,769670UNITED CONCORDIA DENTAL PLANS OF KY52048 80.02%$740,229 4,5182,235UNITED CONCORDIA DENTAL PLANS TX INC95160 58.87%

$7,213,509 24,8618,967UNITED CONCORDIA DENTAL PLNS OF MW96150 81.78%$262,617,271 748,708385,338UNITED CONCORDIA INS CO85766 79.10%

$6,979,019 16,8227,899UNITED CONCORDIA INS CO OF NY60222 69.44%$491,233,598 2,088,0111,343,496UNITED CONCORDIA LIFE & HLTH INS CO62294 84.82%

$92,859,360 53,25353,253WEST VIRGINIA FAMILY HLTH PLAN INC15020 90.31%

$13,849,745,696 3,811,6452,814,843INDEPENDENCE HLTH GRP INC GRP9369 88.02% 1.84%$477,394,699 105,919105,919AMERIHEALTH CARITAS DC INC15088 80.73%$622,806,098 175,893175,893AMERIHEALTH CARITAS LA INC14143 84.53%$433,631,799 69,37547,148AMERIHEALTH HMO INC95044 92.21%$816,146,904 125,66569,398AMERIHEALTH INS CO OF NJ60061 92.03%

$40,263,336 3,3693,369AMERIHEALTH MI INC15104 94.71%$76,871,696 24,70024,700AMERIHEALTH NE INC14261 88.25%

$0 00CBHNP SERV INC13630 N/A$941,971,054 314,783314,783FLORIDA TRUE HLTH INC14378 105.81%$338,769,544 145,272103,600INDEPENDENCE HOSPITAL IND PLAN INC54704 96.86%

$9,543,923 5,4833,539INTER CNTY HLTH PLAN INC53252 98.91%

© 2016 National Association of Insurance Commissioners 283

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

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

$20,997,412 5,5003,559INTER CTY HOSPITALIZATION PLAN INC547639 110.55%$2,970,861,719 638,044398,124KEYSTONE HLTH PLAN E INC95056 80.89%$2,174,067,163 1,217,340584,509QCC INS CO93688 84.15%$1,175,856,143 332,496332,496SELECT HLTH OF SC INC95458 86.03%$3,750,564,206 647,806647,806VISTA HLTH PLAN INC96660 91.20%

$12,229,584,060 3,573,6633,573,663WELLCARE GRP119910 84.49% 1.63%$968,757,674 249,335249,335HARMONY HLTH PLAN OF IL INC11229 82.59%$308,994,480 114,145114,145MISSOURI CARE INC12913 89.06%$739,431,670 70,17570,175WELLCARE HLTH INS OF AZ INC83445 87.54%

$2,761,682,924 525,443525,443WELLCARE HLTH INS OF KY INC64467 82.65%$172,132 6565WELLCARE HLTH PLANS OF KY INC15510 123.94%

$350,069,718 57,36257,362WELLCARE HLTH PLANS OF NJ INC13020 84.92%$146,493,446 11,75511,755WELLCARE OF CT INC95310 87.13%

$3,555,674,429 887,998887,998WELLCARE OF FL INC95081 86.87%$1,991,720,296 620,531620,531WELLCARE OF GA INC10760 84.96%

$129,810 00WELLCARE OF OH INC12749 -1,085.16%$222,836,703 59,72659,726WELLCARE OF SC INC11775 77.44%$368,838,846 47,56747,567WELLCARE OF TX INC12964 82.83%$814,781,932 929,561929,561WELLCARE PRESCRIPTION INS INC10155 79.15%

$12,024,181,325 2,913,2282,862,918MOLINA HEALTHCARE INC GRP153111 82.22% 1.60%$1,223,609,671 439,753404,815MOLINA HLTHCARE OF FL INC13128 88.02%

$467,676,076 97,98097,980MOLINA HLTHCARE OF IL INC14104 87.71%$1,468,184,049 327,904327,639MOLINA HLTHCARE OF MI52630 78.44%$1,322,291,851 230,736229,644MOLINA HLTHCARE OF NM95739 79.43%$2,273,508,663 327,022326,514MOLINA HLTHCARE OF OH INC12334 74.43%

$556,823,162 348,007348,007MOLINA HLTHCARE OF PR INC15600 89.55%$369,634,700 99,60899,608MOLINA HLTHCARE OF SC INC LLC15329 75.20%

$2,004,241,125 225,201221,150MOLINA HLTHCARE OF TX INC10757 86.51%

© 2016 National Association of Insurance Commissioners 284

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

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

$54,202,018 34,93334,933MOLINA HLTHCARE OF TX INS CO1377811 85.48%$344,089,763 101,75698,978MOLINA HLTHCARE OF UT INC DBA AMFAM95502 84.44%

$1,672,977,298 581,943580,578MOLINA HLTHCARE OF WA INC96270 85.94%$266,942,949 98,38593,072MOLINA HLTHCARE OF WI INC12007 82.56%

$12,008,172,952 5,173,2573,091,376GUIDEWELL MUT HOLDING GRP53612 83.75% 1.60%$8,809,761,989 4,193,3222,473,839BCBS OF FL98167 82.96%

$7,044,892 825825BEHEALTHY FLORIDA INC15118 101.51%$714,736,611 131,64270,964CAPITAL HLTH PLAN INC95112 94.38%$100,293,779 365,355199,363FLORIDA COMBINED LIFE INS CO INC76031 68.63%$358,878,900 49,70736,461FLORIDA HLTH CARE PLAN INC13567 86.03%

$2,017,456,781 432,406309,924HEALTH OPTIONS INC95089 83.72%

$11,931,735,037 2,548,3541,391,611KAISER FOUNDATION GRP60113 93.52% 1.59%$1,234,932,879 245,559170,913KAISER FOUND HLTH PLAN INC HI REGION11538 97.57%$2,923,263,062 609,947374,077KAISER FOUND HLTH PLAN MID ATLANTI95639 90.74%$3,201,425,862 541,010347,094KAISER FOUND HLTH PLAN OF CO95669 95.68%$1,277,706,513 256,767146,115KAISER FOUND HLTH PLAN OF GA INC96237 97.60%$3,168,233,241 475,594271,261KAISER FOUND HLTH PLAN OF THE NW95540 91.51%

$126,173,480 419,47782,151KAISER PERMANENTE INS CO60053 72.79%

$11,221,413,157 5,156,8032,906,091BCBS OF MI GRP57214 85.40% 1.49%$7,496,537,117 4,366,1052,408,705BCBS OF MI MUT INS CO54291 86.22%$3,273,374,983 670,254381,302BLUE CARE NETWORK OF MI95610 83.99%

$1,029,787 176126BLUE CARE OF MI INC52037 91.83%$422,544,050 88,53388,533BLUE CROSS COMPLETE OF MI LLC11557 83.73%

$27,927,220 31,73527,425LIFESECURE INS CO77720 57.35%

$10,930,762,611 2,473,0231,717,694BCBS OF NJ GRP120215 85.57% 1.45%$17,580,874 91,18146,885HORIZON HLTHCARE DENTAL INC11146 79.89%

$4,561,512,758 850,138848,012HORIZON HLTHCARE OF NJ INC95529 87.71%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

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

$5,991,886,077 1,357,803659,275HORIZON HLTHCARE SERV INC5506915 84.03%$359,782,902 173,901163,522HORIZON INS CO14690 84.35%

$8,338,776,418 2,144,7771,199,152CAREFIRST INC GRP38016 84.45% 1.11%$2,986,317,212 691,194400,665CAREFIRST BLUECHOICE INC96202 80.06%$1,826,765,044 638,898359,736CAREFIRST OF MD INC47058 88.32%$3,521,389,481 786,044422,229GROUP HOSPITALIZATION & MED SRVCS53007 86.16%

$4,304,681 28,64116,522THE DENTAL NETWORK INC13130 95.92%

$7,758,672,431 2,985,6761,901,906EMBLEM HLTH GRP112717 88.26% 1.03%$200,930,737 34,84024,412CONNECTICARE BENEFITS INC14913 83.86%$837,670,091 97,56280,022CONNECTICARE INC95675 86.45%$721,252,080 181,10495,090CONNECTICARE INS CO INC11209 88.27%

$8,310,976 1,298713CONNECTICARE OF MA INC95299 101.55%$911,202,856 1,965,6281,173,929GROUP HLTH INC55239 82.12%

$5,059,212,936 695,222522,014HEALTH INS PLAN OF GREATER NY55247 89.92%$20,092,755 10,0225,726HIP INS CO OF NY60094 61.17%

$7,621,968,481 26,921,332405,647METROPOLITAN GRP24118 85.21% 1.01%$0 00AMERICAN LIFE INS CO60690 N/A

$68,446,192 43,437758DELAWARE AMER LIFE INS CO62634 88.46%$7,400,912 5,8905,887GENERAL AMER LIFE INS CO63665 210.88%

$285,497 5,196145METLIFE HLTH PLANS INC14170 79.98%$228,354,845 94,5916,270METLIFE INS CO USA87726 307.85%

$7,262,319,164 26,283,082266,088METROPOLITAN LIFE INS CO65978 78.34%$17,074,826 243,80993,773METROPOLITAN PROP & CAS INS CO26298 38.20%

$7,789,717 6,4376,437NEW ENGLAND LIFE INS CO91626 19.91%$9,930,633 81,1505,233SAFEGUARD HLTH PLANS INC95051 52.45%

$19,353,949 136,9619,392SAFEGUARD HLTH PLANS INC52009 64.18%$1,012,746 20,77911,664SAFEHEALTH LIFE INS CO79014 37.84%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

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

$7,527,541,016 3,419,3912,220,582BCBS OF NC INC5463119 89.76% 1.00%$7,527,541,016 3,419,3912,220,582BCBS OF NC INC54631 89.76%

$6,940,490,836 3,720,8421,982,335BCBS OF MA GRP363720 87.40% 0.92%$2,580,615,790 2,962,9081,596,444BCBS OF MA53228 90.00%$4,359,875,046 757,934385,891BCBS OF MA HMO BLUE INC12219 85.87%

$6,796,978,676 3,630,5432,246,805BCBS OF TN GRP349821 87.12% 0.90%$4,531,522,638 2,777,8761,519,724BCBS OF TN INC54518 91.23%

$53,346,137 249,335124,759GOLDEN SECURITY INS CO65463 64.46%$15,370,803 2,3332,333SECURITYCARE OF TN INC15005 96.83%

$2,196,739,098 600,999599,989VOLUNTEER STATE HLTH PLAN INC14046 79.14%

$6,793,199,194 1,328,8301,310,351CARESOURCE GRP368322 85.12% 0.90%$6,723,236,636 1,306,5211,294,424CARESOURCE95201 85.08%

$59,193,166 17,03911,894CARESOURCE IN10142 88.85%$10,769,392 5,2704,033CARESOURCE KY CO15479 93.27%

$6,064,400,391 1,817,9881,122,958LIFETIME HLTHCARE GRP118623 88.89% 0.81%$5,923,166,020 1,702,7871,007,757EXCELLUS HLTH PLAN INC55107 86.25%

$89,566,172 88,81588,815MEDAMERICA INS CO69515 164.19%$4,245,612 2,3752,375MEDAMERICA INS CO OF FL12967 126.08%

$47,422,587 24,01124,011MEDAMERICA INS CO OF NY83437 272.98%

$5,637,014,366 3,097,632849,425UPMC HLTH SYSTEM GRP132424 90.58% 0.75%$803,287,243 2,074,7230COMMUNITY CARE BEHAVIORAL HLTH ORG47024 91.99%

$1,996,296,597 388,144388,144UPMC FOR YOU INC11995 87.46%$29,518,102 142,413118,379UPMC HLTH BENEFITS INC11018 84.33%$28,147,382 6,866271UPMC HLTH COVERAGE INC15451 52.34%$92,243,342 9,3119,311UPMC HLTH NTWRK INC11994 84.02%

$1,315,506,268 315,868177,962UPMC HLTH OPTIONS INC15345 95.61%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

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

$1,372,015,432 160,307155,358UPMC HLTH PLAN INC9521624 90.82%

$5,561,588,964 21,676,9643,753,083UNUMPROVIDENT CORP GRP56525 91.70% 0.74%$1,048,540,201 2,488,1512,181,166COLONIAL LIFE & ACCIDENT INS CO62049 49.72%

$335,361,087 1,408,733107,219FIRST UNUM LIFE INS CO64297 118.37%$274,091,539 239,180198,743PAUL REVERE LIFE INS CO67598 145.62%$750,462,936 891,098889,315PROVIDENT LIFE & ACCIDENT INS CO68195 97.36%

$83,636,385 46,38746,205PROVIDENT LIFE & CAS INS CO68209 78.02%$3,069,496,816 16,603,415330,435UNUM LIFE INS CO OF AMER62235 97.30%

$752,054,231,035 846,227,928408,073,60326 85.28%

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Market Share by Statement Type

Grand Total Business

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Market Share for Life, Accident & Health

Grand Total Individual, Group and Other Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

$43,237,566,692 26,342,194UNITEDHEALTH GRP7071 18,371,73079.17% 26.64% 26.64%$24,883,976,512 32,636,429AETNA GRP12 19,894,52780.82% 15.33% 41.97%$15,051,316,580 52,260,282CIGNA HLTH GRP9013 760,23982.05% 9.27% 51.24%

$7,574,310,830 26,433,437METROPOLITAN GRP2414 285,44085.42% 4.67% 55.91%$5,561,588,964 21,676,964UNUMPROVIDENT CORP GRP5655 3,753,08391.70% 3.43% 59.34%$5,045,548,831 21,695,692AFLAC GRP3706 11,754,63755.42% 3.11% 62.45%$3,456,783,305 22,891,190MUTUAL OF OMAHA GRP2617 6,652,83874.61% 2.13% 64.58%$3,445,823,265 14,472,784GUARDIAN LIFE GRP4298 11,409,08872.44% 2.12% 66.70%$3,179,510,249 5,184,315ASSURANT INC GRP199 4,053,670106.16% 1.96% 68.66%$2,752,392,694 1,331,738GENWORTH FIN GRP401110 1,227,290130.17% 1.70% 70.35%$2,196,733,548 16,875,114AEGON US HOLDING GRP46811 13,610,656109.36% 1.35% 71.71%$2,169,966,009 1,225,358JOHN HANCOCK GRP90412 1,225,01997.01% 1.34% 73.04%$1,909,091,684 1,856,608CNO FINANCIAL GRP23313 1,491,18093.00% 1.18% 74.22%$1,865,528,476 943,895BCBS OF KS GRP43014 536,85392.92% 1.15% 75.37%$1,856,377,071 7,024,933TOKIO MARINE HOLDINGS INC GRP309815 90,71472.45% 1.14% 76.51%$1,846,978,669 406,800HEALTH NET INC GRP62316 243,342102.02% 1.14% 77.65%$1,825,142,506 7,613,610SUN LIFE ASSUR CO OF CN GRP54917 79,33072.96% 1.12% 78.77%$1,776,777,805 14,992,528HARTFORD FIRE & CAS GRP9118 94,02873.94% 1.09% 79.87%$1,763,558,574 1,217,629NORTHWESTERN MUT GRP86019 1,006,43761.96% 1.09% 80.96%$1,495,305,807 3,944,328PRINCIPAL FIN GRP33220 3,025,91766.77% 0.92% 81.88%$1,431,185,874 9,038,242LINCOLN NATL GRP2021 103,92875.74% 0.88% 82.76%$1,378,518,702 8,155,871STANCORP FIN GRP134822 7,894,26973.63% 0.85% 83.61%$1,259,191,810 450,127BLUE SHIELD OF CA GRP279823 274,74273.55% 0.78% 84.38%$1,212,761,606 4,468,735TORCHMARK CORP GRP29024 14,053,94966.70% 0.75% 85.13%$1,197,820,344 8,024,250PRUDENTIAL OF AMER GRP30425 98,50584.45% 0.74% 85.87%

$950,476,197 6,875,213VOYA FINANCIAL GRP483226 3,211,14069.66% 0.59% 86.46%$855,208,867 4,025,239LIBERTY MUT GRP11127 4,025,23990.53% 0.53% 86.98%$807,640,197 5,786,056ALLSTATE INS GRP828 3,288,47353.28% 0.50% 87.48%$787,137,960 2,069,180AMERICAN FIDELITY CORP GRP33029 1,616,72755.13% 0.48% 87.96%$765,601,618 1,678,099AMERITAS MUT HOLDING GRP94330 124,94467.50% 0.47% 88.44%$754,697,046 10,868,237FIDELITY SECURITY GRP45131 5,142,69371.69% 0.46% 88.90%$738,742,107 1,787,422BCBS OF SC GRP66132 1,178,97575.98% 0.46% 89.36%$716,309,946 0CHUBB LTD GRP62633 063.52% 0.44% 89.80%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Market Share for Life, Accident & Health

Grand Total Individual, Group and Other Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

$705,685,227 20,055,143HIGHMARK GRP81234 9,165,35472.77% 0.43% 90.23%$691,713,538 328,475MASS MUT LIFE INS GRP43535 341,985109.32% 0.43% 90.66%$677,123,946 2,767,844WHITE MOUNTAINS GRP112936 1,688,13266.74% 0.42% 91.08%$555,087,202 137,763WEA INS CORP7227337 76,01098.36% 0.34% 91.42%$544,920,265 103,460UNIVERSAL AMER FIN CORP GRP95338 99,61783.21% 0.34% 91.75%$542,956,205 30,576,113CUNA MUT GRP30639 21,631,53542.54% 0.33% 92.09%$483,953,505 1,785,297GENEVE HOLDINGS INC GRP45040 1,399,72659.65% 0.30% 92.39%$468,551,910 149,989NESTLE SA GRP448341 149,98973.56% 0.29% 92.67%$454,279,059 1,425,958NEW YORK LIFE GRP82642 1,409,17196.63% 0.28% 92.95%$417,587,846 4,132,204MINNESOTA MUT GRP86943 2,450,76043.89% 0.26% 93.21%$396,291,501 434,116PHYSICIANS MUT GRP36744 383,66778.58% 0.24% 93.46%$387,915,951 2,276,634AMERICAN INTL GRP1245 1,219,69286.27% 0.24% 93.70%$374,502,382 205,296EQUITABLE LIFE & CAS INS CO6295246 194,02882.75% 0.23% 93.93%$367,794,895 250,705AMERIPRISE FIN GRP447 250,705151.46% 0.23% 94.15%$355,123,923 261,853AMERICAN ENTERPRISE MUT GRP352748 256,52373.40% 0.22% 94.37%$353,962,145 3,842,179NATIONAL GUARDIAN LIFE INS GRP121149 2,056,30565.82% 0.22% 94.59%$336,786,452 921,178TRUSTMARK MUT HOLDING CO GRP27650 670,89960.96% 0.21% 94.80%$305,131,247 152,073MEDICAL CARD SYSTEM INC GRP130151 73,35289.13% 0.19% 94.98%$304,188,295 990,834NATIONWIDE CORP GRP14052 879,13070.94% 0.19% 95.17%$287,395,261 735,386HUMANA GRP11953 461,670101.06% 0.18% 95.35%$283,908,330 188,445NEW ERA LIFE GRP52054 165,18979.00% 0.17% 95.52%$275,752,773 80,018NIPPON LIFE INS CO OF AMER8126455 42,49877.31% 0.17% 95.69%$247,754,942 509,736GUARANTEE TRUST GRP68756 416,33755.48% 0.15% 95.85%$246,560,411 124,750UNITED SERV AUTOMOBILE ASSN GRP20057 119,30875.62% 0.15% 96.00%$241,608,130 566,823AMERICAN NATL FIN GRP40858 455,50960.42% 0.15% 96.15%$238,465,361 2,495,746WR BERKLEY CORP GRP9859 2,75669.17% 0.15% 96.29%$230,702,574 240,021HC2 HOLDINGS GRP485260 177,57195.06% 0.14% 96.44%$216,242,437 157,818PAN AMER LIFE GRP52561 68,82966.16% 0.13% 96.57%$212,943,967 2,008,219ANTHEM INC GRP67162 1,864,97066.71% 0.13% 96.70%$204,484,668 368,840WESTBRIDGE CAPITAL GRP83963 246,90153.53% 0.13% 96.83%$193,462,869 904,339HEALTHMARKETS GRP26464 603,50430.70% 0.12% 96.95%$190,714,074 126,174ALLIANZ INS GRP76165 103,017220.30% 0.12% 97.06%$183,803,883 241,321HARRIS INS HOLDINGS GRP111766 188,71065.07% 0.11% 97.18%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Market Share for Life, Accident & Health

Grand Total Individual, Group and Other Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

$157,802,055 847,729BCS INS GRP2367 388,20763.75% 0.10% 97.27%$145,558,238 1,560,847FORTRESS GRP471668 883,65543.61% 0.09% 97.36%$141,234,371 115,201LIFETIME HLTHCARE GRP118669 115,201199.57% 0.09% 97.45%$139,332,808 26,558HCSC GRP91770 26,44180.11% 0.09% 97.54%$130,857,027 349,293KEMPER CORP GRP21571 263,45056.12% 0.08% 97.62%$129,097,060 72,229SENIOR HLTH INS CO OF PA7632572 65,233225.49% 0.08% 97.70%$122,591,707 253,591MAPFRE INS GRP41173 27,37490.65% 0.08% 97.77%$121,876,172 483,776NATIONAL TEACHERS ASSOC LIFE GROUP479674 278,60754.23% 0.08% 97.85%$121,476,945 497,777ARKANSAS BCBS GRP87675 6,77160.74% 0.07% 97.92%$113,977,613 52,090ADVANTAGE CAPITAL GRP482476 51,126129.42% 0.07% 97.99%$112,010,719 1,470,527TIPTREE FIN GRP471877 1,470,52714.79% 0.07% 98.06%$109,446,551 881,796ONEAMERICA FIN PARTNERS GRP61978 880,79694.55% 0.07% 98.13%$107,456,311 233,993PREMERA BLUE CROSS GRP96279 11,17582.52% 0.07% 98.20%$106,962,153 67,098COUNTRY INS & FIN SERV GRP5080 64,833114.63% 0.07% 98.26%$106,153,830 159,835ASSURITY LIFE INS CO7143981 122,28960.17% 0.07% 98.33%$100,293,779 365,355GUIDEWELL MUT HOLDING GRP53682 199,36368.63% 0.06% 98.39%$100,278,013 1,595,285UNION LABOR GRP78183 1,238,53377.88% 0.06% 98.45%

$99,367,639 48,550AMERCO CORP GRP57484 40,33274.79% 0.06% 98.51%$86,455,637 1,470,010SHELTERPOINT GRP INC480385 1,402,16053.80% 0.05% 98.56%$84,576,466 46,227ATLANTIC AMER GRP58786 46,22768.49% 0.05% 98.62%$77,462,280 121,927PROTECTIVE LIFE INS GRP45887 121,92748.75% 0.05% 98.66%$76,761,269 61,291PEKIN INS GRP15388 55,81575.87% 0.05% 98.71%$75,892,606 119,211AMTRUST NGH GRP253889 58,77994.61% 0.05% 98.76%$75,373,889 433,446STARMOUNT LIFE INS CO6898590 241,90970.71% 0.05% 98.80%$74,484,650 38,945GOLDMAN SACHS GRP389191 38,92876.01% 0.05% 98.85%$72,755,447 518,094AUTOMOBILE CLUB MI GRP5592 518,09427.39% 0.04% 98.90%$68,568,346 569,310BOSTON MUT GRP58193 480,53147.35% 0.04% 98.94%$67,921,216 57,286AXA INS GRP96894 55,802221.75% 0.04% 98.98%$64,066,150 0TRIPLE S GRP480295 064.23% 0.04% 99.02%$61,289,680 149,471JACKSON NATL GRP91896 127,541210.09% 0.04% 99.06%$60,182,375 52,366RESOLUTION LIFE GRP481597 34,793276.37% 0.04% 99.09%$60,032,733 121,227ILLINOIS MUT LIFE INS CO6458098 114,06773.55% 0.04% 99.13%$57,024,733 242,110CENTRAL STATES GRP69099 242,02940.08% 0.04% 99.17%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Market Share for Life, Accident & Health

Grand Total Individual, Group and Other Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

$54,703,292 208,139KANSAS CITY LIFE INS GRP588100 163,65465.14% 0.03% 99.20%$54,202,018 34,933MOLINA HEALTHCARE INC GRP1531101 34,93385.48% 0.03% 99.23%$54,173,779 351,035UNIFIED LIFE INS CO11121102 230,10063.23% 0.03% 99.27%$48,778,804 3GREAT WEST GRP769103 3116.20% 0.03% 99.30%$46,360,903 25,299OLD SURETY LIFE INS CO67326104 25,29968.36% 0.03% 99.33%$43,998,842 76,810ZURICH INS GRP212105 47,043111.72% 0.03% 99.35%$37,845,511 198,935PACIFIC GUARDIAN LIFE INS CO LTD64343106 198,93561.29% 0.02% 99.38%$35,031,411 88,237BEST LIFE & HLTH INS CO90638107 54,21459.54% 0.02% 99.40%$34,304,944 66,783CITIZENS SECURITY LIFE INS CO61921108 66,78359.65% 0.02% 99.42%$33,724,589 18,322OHIO NATL LIFE GRP704109 18,32278.09% 0.02% 99.44%$33,452,040 17,598GPM LIFE GRP4712110 17,59980.18% 0.02% 99.46%$32,573,014 17,696UNITED SECURITY ASSUR CO OF PA42129111 17,69698.24% 0.02% 99.48%$31,463,204 59,969SOUTHERN FARM BUREAU LIFE INS CO68896112 47,153153.40% 0.02% 99.50%$30,091,365 81,630LIFE INS CO OF AL65412113 48,98254.66% 0.02% 99.52%$29,173,511 64,377WILTON RE GRP4213114 64,10166.91% 0.02% 99.54%$28,772,884 19,438HEARTLAND NATL LIFE INS CO66214115 19,30075.88% 0.02% 99.55%$28,175,980 0TRANS OCEANIC LIFE INS CO69523116 037.16% 0.02% 99.57%$27,927,220 31,735BCBS OF MI GRP572117 27,42557.35% 0.02% 99.59%$27,322,101 146,388WEST SOUTHERN GRP836118 71,750114.64% 0.02% 99.60%$26,896,920 242,507ATHENE GRP4734119 142,87859.55% 0.02% 99.62%$25,727,919 166,501MULTINATIONAL GRP4804120 116,32547.86% 0.02% 99.64%$25,351,485 21,636FEDERATED MUT GRP7121 21,63640.86% 0.02% 99.65%$25,338,755 17,694NATIONAL LIFE GRP634122 17,088214.18% 0.02% 99.67%$21,764,419 525,802OLD REPUBLIC GRP150123 510,58660.11% 0.01% 99.68%$20,407,885 10,514TIAA FAMILY GRP1216124 10,514282.59% 0.01% 99.69%$20,060,140 63,840AMALGAMATED LIFE INS CO60216125 13061.80% 0.01% 99.71%

$162,308,826,151 442,251,803GRAND TOTAL 202,767,07581.22% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Market Share for Health

Grand Total Individual, Group and Other Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

$67,209,054,437 11,411,880UNITEDHEALTH GRP7071 9,848,67381.75% 11.52% 11.52%$54,967,951,721 42,659,849ANTHEM INC GRP6712 24,610,86482.50% 9.42% 20.94%$51,799,835,718 18,178,219HUMANA GRP1193 13,891,99184.75% 8.88% 29.82%$32,665,189,246 18,499,061HCSC GRP9174 9,925,86192.25% 5.60% 35.42%$24,373,441,876 5,857,104AETNA GRP15 3,917,65483.65% 4.18% 39.60%$18,982,154,784 4,284,502CENTENE CORP GRP12956 4,255,17687.86% 3.25% 42.85%$13,882,555,316 8,306,134HIGHMARK GRP8127 4,971,93695.23% 2.38% 45.23%$13,849,745,696 3,811,645INDEPENDENCE HLTH GRP INC GRP9368 2,814,84388.02% 2.37% 47.61%$12,229,584,060 3,573,663WELLCARE GRP11999 3,573,66384.49% 2.10% 49.71%$11,969,979,307 2,878,295MOLINA HEALTHCARE INC GRP153110 2,827,98582.21% 2.05% 51.76%$11,931,735,037 2,548,354KAISER FOUNDATION GRP60111 1,391,61193.52% 2.05% 53.80%$11,907,879,173 4,807,902GUIDEWELL MUT HOLDING GRP53612 2,892,01383.88% 2.04% 55.84%$11,193,485,937 5,125,068BCBS OF MI GRP57213 2,878,66685.47% 1.92% 57.76%$10,930,762,611 2,473,023BCBS OF NJ GRP120214 1,717,69485.57% 1.87% 59.64%

$8,338,776,418 2,144,777CAREFIRST INC GRP38015 1,199,15284.45% 1.43% 61.07%$7,758,672,431 2,985,676EMBLEM HLTH GRP112716 1,901,90688.26% 1.33% 62.40%$7,674,900,122 1,411,282CIGNA HLTH GRP90117 601,51583.95% 1.32% 63.71%$7,527,541,016 3,419,391BCBS OF NC INC5463118 2,220,58289.76% 1.29% 65.00%$6,940,490,836 3,720,842BCBS OF MA GRP363719 1,982,33587.40% 1.19% 66.19%$6,796,978,676 3,630,543BCBS OF TN GRP349820 2,246,80587.12% 1.17% 67.36%$6,793,199,194 1,328,830CARESOURCE GRP368321 1,310,35185.12% 1.16% 68.52%$5,923,166,020 1,702,787LIFETIME HLTHCARE GRP118622 1,007,75786.25% 1.02% 69.54%$5,607,496,264 2,955,219UPMC HLTH SYSTEM GRP132423 731,04690.61% 0.96% 70.50%$5,381,723,634 2,074,219CAMBIA HEALTH SOLUTIONS INC120724 1,170,33385.44% 0.92% 71.42%$4,882,079,113 3,495,489BCBS OF AL GRP57025 1,942,29095.06% 0.84% 72.26%$4,665,070,468 2,272,192BCBS OF MN GRP46126 1,368,31690.67% 0.80% 73.06%$4,112,483,398 671,340TUFTS GRP474227 551,28487.60% 0.70% 73.76%$3,946,639,504 2,221,787PREMERA BLUE CROSS GRP96228 1,194,09190.70% 0.68% 74.44%$3,628,087,834 582,536MEDICA GRP155229 487,15488.60% 0.62% 75.06%$3,590,447,198 2,335,257WELLMARK INC GRP77030 1,285,87488.07% 0.62% 75.68%$3,579,768,007 500,442UCARE GRP438031 497,01990.78% 0.61% 76.29%$3,233,784,090 759,662CAIDAN ENTERPRISES INC GRP464032 759,66286.34% 0.55% 76.84%$3,211,403,559 595,052GROUP HLTH COOP GRP118533 377,05886.95% 0.55% 77.39%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Market Share for Health

Grand Total Individual, Group and Other Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

$3,161,797,231 832,307LOUISIANA HLTH SERV GRP43834 499,33588.94% 0.54% 77.94%$3,134,217,183 2,411,755BCBS OF SC GRP66135 1,427,38282.93% 0.54% 78.47%$3,055,775,767 726,487HAWAII MEDICAL SERV ASSN4994836 490,89887.59% 0.52% 79.00%$2,962,464,378 4,600,598CVS CAREMARK GRP466737 4,598,32870.39% 0.51% 79.51%$2,918,849,000 989,960HEALTHPARTNERS GRP125838 565,83787.47% 0.50% 80.01%$2,856,616,267 586,722SPECTRUM HLTH GRP338339 393,40684.16% 0.49% 80.50%$2,748,180,214 917,920HARVARD PILGRIM HLTH CARE GRP59540 486,35387.38% 0.47% 80.97%$2,552,492,342 914,004TRIPLE S GRP480241 739,01786.06% 0.44% 81.40%$2,465,179,140 1,799,176ARKANSAS BCBS GRP87642 1,149,98887.21% 0.42% 81.83%$2,396,855,048 1,044,545MEDICAL MUT OF OH GRP73043 527,71381.77% 0.41% 82.24%$2,382,398,065 445,370HENRY FORD HLTH SYSTEM GRP131144 278,11086.66% 0.41% 82.65%$2,310,729,720 389,695CDPHP INC GRP470845 282,21287.59% 0.40% 83.04%$2,257,310,818 505,741GEISINGER INS GRP114346 391,65786.07% 0.39% 83.43%$2,242,321,451 639,718HEALTH NOW NY INC5520447 346,79485.35% 0.38% 83.81%$2,172,292,154 421,777NEIGHBORHOOD HLTH PLAN INC1110948 370,93699.79% 0.37% 84.19%$2,039,973,795 861,688IHC INC GRP88049 423,140108.72% 0.35% 84.54%$2,024,458,158 129,778HEALTHFIRST INC GRP477850 129,77285.95% 0.35% 84.88%$2,004,123,385 314,684MVP GRP119851 218,90089.54% 0.34% 85.23%$1,978,929,342 1,466,803BCBS OF AZ INC5358952 754,23389.63% 0.34% 85.57%$1,865,649,713 437,010CARE 1ST HEALTH PLAN1514353 437,01081.56% 0.32% 85.88%$1,835,247,255 459,475PRESBYTERIAN HLTHCARE SERV GRP48154 398,84780.74% 0.31% 86.20%$1,798,024,927 1,193,454CAPITAL BLUE CROSS GRP123055 617,38583.64% 0.31% 86.51%$1,710,976,177 360,111CARLE HOLDING CO GRP119256 259,06192.58% 0.29% 86.80%$1,662,864,989 569,063BCBS OF RI5347357 334,01083.85% 0.29% 87.09%$1,656,424,912 281,029UNIVERSITY HLTH CARE INC5262158 281,02991.31% 0.28% 87.37%$1,653,982,531 664,301BCBS OF NE7778059 376,52190.07% 0.28% 87.65%$1,627,723,443 751,754BCBS OF KC GRP53760 410,03888.89% 0.28% 87.93%$1,596,621,593 307,801BOSTON MEDICAL CENTER HLTH PLAN INC1320361 307,80189.67% 0.27% 88.21%$1,596,405,584 262,271HEALTH PARTNERS PLANS INC9506662 262,27179.31% 0.27% 88.48%$1,558,447,797 47,689,069VISION SERV PLAN GRP118963 43,26281.21% 0.27% 88.75%$1,521,170,085 848,539BLUE CROSS OF ID GRP129064 577,37392.92% 0.26% 89.01%$1,517,002,640 179,808MEDICAL CARD SYSTEM INC GRP130165 179,80887.33% 0.26% 89.27%$1,510,453,693 204,047INDEPENDENT HLTH ASSN9530866 183,72894.17% 0.26% 89.53%

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Market Share for Health

Grand Total Individual, Group and Other Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

$1,418,535,154 8,243,961DENTEGRA GRP247967 3,268,45874.37% 0.24% 89.77%$1,403,390,390 304,088SENTARA HLTH MGMT GRP118368 265,38792.16% 0.24% 90.01%$1,329,426,767 514,043PROVIDENCE HLTH GRP478869 297,42495.25% 0.23% 90.24%$1,323,603,919 327,468VANGUARD HLTH VENTURES GRP121270 282,68682.09% 0.23% 90.47%$1,287,952,256 406,587INDIANA UNIVERSITY HLTH GRP463771 406,23588.15% 0.22% 90.69%$1,287,886,822 630,989MISSISSIPPI INS GRP112672 420,95686.24% 0.22% 90.91%$1,247,778,746 507,236NORIDIAN MUT INS CO5589173 277,88783.42% 0.21% 91.12%$1,219,380,017 271,627DEAN HLTH GRP129474 170,74988.37% 0.21% 91.33%$1,162,101,365 4,179,903RENAISSANCE HLTH SERV CORP GRP47775 558,39784.22% 0.20% 91.53%$1,158,289,700 201,842SECURITY HLTH PLAN OF WI INC9688176 152,32092.84% 0.20% 91.73%$1,135,692,001 173,663FALLON GRP474177 110,88588.04% 0.19% 91.92%$1,133,253,765 415,186OREGON DENTAL GRP131378 246,750109.86% 0.19% 92.12%$1,104,417,965 178,254HEALTH NET INC GRP62379 107,12395.65% 0.19% 92.31%$1,065,313,527 311,447COMMUNITY HLTH PLAN OF WA4704980 311,44788.71% 0.18% 92.49%$1,053,641,238 610,263MAGELLAN HLTH INC GRP126081 420,37291.11% 0.18% 92.67%$1,014,860,575 178,418NEIGHBORHOOD HLTH PLAN OF RI INC9540282 178,15586.14% 0.17% 92.84%

$963,995,094 177,949NETWORK HLTH GRP267883 134,09988.89% 0.17% 93.01%$957,733,349 391,746TEXAS CHILDRENS HLTH PLAN INC9532984 391,74688.58% 0.16% 93.17%$899,267,419 209,397BAYSTATE HLTH GRP475685 150,96893.20% 0.15% 93.33%$892,006,966 95,424HEALTHPLUS OF MI GRP340986 58,82593.27% 0.15% 93.48%$873,300,882 202,537PACIFICSOURCE HLTH PLAN GRP470487 156,67790.47% 0.15% 93.63%$857,728,613 294,633COMMUNITY HLTH CHOICE INC9561588 281,52688.17% 0.15% 93.78%$842,969,554 66,614UNIVERSAL AMER FIN CORP GRP95389 66,61481.27% 0.14% 93.92%$833,084,039 177,199UNITY HLTH PLANS INS CORP9579690 93,14990.07% 0.14% 94.06%$819,443,003 327,734AVMED INC9526391 189,50086.49% 0.14% 94.20%$811,956,280 68,431AMERICAS 1ST CHOICE GRP475592 68,43172.87% 0.14% 94.34%$809,580,029 27,062ELDERPLAN INC9566293 27,06285.55% 0.14% 94.48%$786,752,301 2,576,963MCNA GRP473094 2,576,96380.29% 0.13% 94.62%$734,212,853 220,399SCOTT & WHITE GRP60095 157,63187.70% 0.13% 94.74%$710,447,936 0PEOPLES HLTH INC1360796 085.00% 0.12% 94.86%$696,458,191 243,017WISCONSIN PHYSICIANS SERV INS GRP6897 175,80091.45% 0.12% 94.98%$695,673,043 0HEALTH SUN HLTH PLANS1012298 087.94% 0.12% 95.10%$654,119,840 107,266COMMUNITYCARE GRP348799 39,27887.50% 0.11% 95.22%

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Market Share for Health

Grand Total Individual, Group and Other Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

$622,393,804 172,417SANFORD HLTH GRP1246100 94,463108.03% 0.11% 95.32%$613,855,137 74,201VIVA HLTH INC95322101 60,83687.97% 0.11% 95.43%$602,887,520 529,964EXPRESS SCRIPTS HOLDING GRP4813102 529,96490.44% 0.10% 95.53%$600,337,201 221,939BCBS OF VT GRP4745103 123,35991.11% 0.10% 95.63%$584,469,486 108,358INDEPENDENT HLTH BENEFITS CORP47034104 58,88784.29% 0.10% 95.73%$556,781,695 245,578ROCKY MOUNTAIN HLTH GRP1184105 222,057101.35% 0.10% 95.83%$556,014,918 52,849ESSENCE GRP4597106 52,84977.32% 0.10% 95.92%$531,182,284 207,893PARKLAND COMM HLTH PLAN INC95414107 384.05% 0.09% 96.02%$530,378,098 179,535FIRSTCARE GRP3549108 146,18286.24% 0.09% 96.11%$523,473,193 50,479CHE TRINITY INC GRP2838109 50,47990.24% 0.09% 96.20%$488,170,674 69,802SUMMA HLTH GRP3259110 51,44890.67% 0.08% 96.28%$486,331,230 103,232TOTAL HLTH GRP1238111 89,70279.89% 0.08% 96.36%$486,041,166 106,762AULTMAN HLTH FOUNDATION GRP4805112 60,12184.88% 0.08% 96.45%$484,168,954 230,841FAMILY HLTH NETWORK GRP4843113 230,84193.07% 0.08% 96.53%$470,157,014 121,913HEALTH PLAN GRP1297114 101,17994.27% 0.08% 96.61%$467,631,215 0MEDISUN INC95982115 089.34% 0.08% 96.69%$464,180,270 2,658,797DELTA DENTAL OF WA47341116 33,83884.72% 0.08% 96.77%$460,939,100 427,297ENVISION INS CO12747117 427,29794.57% 0.08% 96.85%$436,279,529 144,010DRISCOLL CHILDRENS HLTH PLAN95809118 144,01093.41% 0.07% 96.92%$433,114,840 137,203HEALTH FIRST GRP4740119 88,23883.09% 0.07% 97.00%$403,525,800 75,019HEALTHSPAN PARTNERS GRP4831120 21,704104.10% 0.07% 97.07%$389,832,320 61,476ADVANTAGE HLTH SOLUTIONS INC52568121 41,874108.04% 0.07% 97.13%$384,151,817 78,228GROUP HLTH COOP OF S CENTRAL WI95311122 43,49090.62% 0.07% 97.20%$380,496,443 135,537CATHOLIC HLTH INITIATIVES GRP4807123 46,72891.74% 0.07% 97.26%$374,353,001 87,635BCBS OF WY53767124 56,02887.83% 0.06% 97.33%$355,148,428 141,050COMMUNITY FIRST GRP2738125 138,19987.32% 0.06% 97.39%

$583,358,408,519 296,220,196GRAND TOTAL 154,974,60686.38% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Market Share for Property/Casualty

Grand Total Individual, Group and Other Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

$970,676,963 1,126,529STATE FARM GRP1761 941,64894.13% 16.80% 16.80%$776,995,754 91,685AMERICAN INTL GRP122 25,53061.05% 13.45% 30.25%$497,778,066 404,073CNA INS GRP2183 403,965261.62% 8.62% 38.87%$424,262,291 135,891FEDERATED MUT GRP74 78,62186.12% 7.34% 46.21%$404,130,685 0CHUBB LTD GRP6265 046.51% 7.00% 53.21%$337,789,572 7,037,868ZURICH INS GRP2126 6,823,80154.90% 5.85% 59.06%$230,416,852 243,290WHITE MOUNTAINS GRP11297 167,08853.66% 3.99% 63.04%$229,347,193 4,170,833FAIRFAX FIN GRP1588 21,02555.90% 3.97% 67.01%$204,204,476 22,840,951CHUBB INC GRP389 65,92936.92% 3.53% 70.55%$202,541,498 2,132,071BCS INS GRP2310 1,837,30550.95% 3.51% 74.06%$156,883,699 0QBE INS GRP79611 064.54% 2.72% 76.77%$144,056,424 3,476,279ASSURANT INC GRP1912 3,476,2798.84% 2.49% 79.26%$143,584,328 55,020TOKIO MARINE HOLDINGS INC GRP309813 1,48265.85% 2.49% 81.75%$116,187,587 497,198HIGHMARK GRP81214 248,65773.10% 2.01% 83.76%$113,684,933 2,160,027MUNICH RE GRP36115 28,872107.83% 1.97% 85.73%

$83,370,341 147,286BERKSHIRE HATHAWAY GRP3116 143,13365.67% 1.44% 87.17%$79,625,220 46,833,438AMEX ASSUR CO2792817 31,638,4717.08% 1.38% 88.55%$59,897,666 748,149ARCH INS GRP127918 462,28269.56% 1.04% 89.59%$54,984,501 325SWISS RE GRP18119 32587.08% 0.95% 90.54%$47,852,613 37,098AMERICAN FINANCIAL GRP8420 1,36134.30% 0.83% 91.37%$44,007,225 2,707,832AXIS CAPITAL GRP341621 8,86540.99% 0.76% 92.13%$41,529,103 14,611CHEROKEE INS CO1064222 12991.77% 0.72% 92.85%$35,970,919 13,043AMERICAN FAMILY INS GRP47323 12,65484.81% 0.62% 93.47%$29,704,465 59,661GENEVE HOLDINGS INC GRP45024 54,37064.20% 0.51% 93.98%$29,518,102 142,413UPMC HLTH SYSTEM GRP132425 118,37984.33% 0.51% 94.50%$27,772,299 2,860,652MARKEL CORP GRP78526 17,94230.53% 0.48% 94.98%$26,356,268 14,423ISLAND HOME INS CO3165827 1,33471.35% 0.46% 95.43%$24,214,518 9,770AMERICAN FIDELITY & LIBERTY INC GRP128928 9,770119.51% 0.42% 95.85%$24,087,701 151,031IRONSHORE GRP450929 18367.24% 0.42% 96.27%$23,969,581 646,131PARTNERRE GRP348330 87169.49% 0.41% 96.68%$17,215,405 684,069ALLIANZ INS GRP76131 417,79033.73% 0.30% 96.98%$17,074,826 243,809METROPOLITAN GRP24132 93,77338.20% 0.30% 97.28%$14,824,090 20,939BEAZLEY INS CO INC3754033 9,12256.25% 0.26% 97.53%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Market Share for Property/Casualty

Grand Total Individual, Group and Other Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

$14,721,910 52,119BENCHMARK INS CO4139434 4795.11% 0.25% 97.79%$14,583,223 4,679,488STARR GRP467035 25,20122.36% 0.25% 98.04%$14,492,296 17,027AMTRUST NGH GRP253836 6,22084.62% 0.25% 98.29%$14,443,847 271,385XL AMER GRP128537 238,87342.43% 0.25% 98.54%$12,398,054 371,067NATIONWIDE CORP GRP14038 162,56240.86% 0.21% 98.76%$11,494,427 89,531HOUSTON INTL INS GRP438139 7375.43% 0.20% 98.96%$10,837,718 313,715AEGIS GRP31340 4,18541.85% 0.19% 99.14%

$8,677,129 0BALDWIN & LYONS GRP86741 027.93% 0.15% 99.29%$7,317,728 171,455SENTRY INS GRP16942 171,455184.40% 0.13% 99.42%$7,103,591 21,278HALLMARK FIN SERV GRP347843 57226.89% 0.12% 99.54%$4,010,423 386,329WR BERKLEY CORP GRP9844 36446.41% 0.07% 99.61%$3,443,021 0TENNESSEE FARMERS GRP69445 1,499,05813.07% 0.06% 99.67%$2,529,875 324NATIONAL INS CO OF WI INS3015546 32422.92% 0.04% 99.72%$2,301,859 2,460CENTENNIAL CAS CO3456847 2,4600.00% 0.04% 99.76%$1,388,899 16,425LEON HIX GRP474848 13,2424.62% 0.02% 99.78%$1,383,889 0INTEGRAND ASSUR CO2677849 034.17% 0.02% 99.80%$1,333,832 0OLD REPUBLIC GRP15050 0(18.55)% 0.02% 99.83%$1,290,225 35,305TRAVELERS GRP354851 1,232(222.13)% 0.02% 99.85%$1,140,134 5,950LIBERTY MUT GRP11152 7970.83% 0.02% 99.87%

$913,849 0UNDERWRITERS AT LLOYDS3272753 049.33% 0.02% 99.88%$757,413 880,647TEXAS FARM BUREAU MUT GRP80954 465,21849.64% 0.01% 99.90%$554,122 0CSAA INS GRP127855 015.53% 0.01% 100.00%$537,774 1,258RETAILERS INS CO1247156 21278.77% 0.01% 100.00%$491,633 15,883AEGON US HOLDING GRP46857 15,68135.03% 0.01% 100.00%$445,871 19,586ZALE CORP GRP66958 19,5864.17% 0.01% 100.00%$439,880 849OREGON DENTAL GRP131359 307274.24% 0.01% 100.00%$416,300 147ARMCO INS INC GRP14360 105505.51% 0.01% 100.00%$381,095 60,809ALLEGHANY GRP50161 395(13.44)% 0.01% 100.00%$365,206 864WARRIOR INVICTUS HOLDING CO GRP472762 71958.80% 0.01% 100.00%$344,264 1,138FARMERS INS GRP6963 9238.31% 0.01% 100.00%$318,662 2,173CLUB INS CO1097464 2,1734.41% 0.01% 100.00%$274,821 0HARTFORD FIRE & CAS GRP9165 1,374189.39% 0.00% 100.00%$247,904 0AUTOMOBILE CLUB MI GRP5566 0(10.16)% 0.00% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Market Share for Property/Casualty

Grand Total Individual, Group and Other Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

$237,947 1,921FORTRESS GRP471667 1,16542.19% 0.00% 100.00%$180,031 4,206TIPTREE FIN GRP471868 4,20121.47% 0.00% 100.00%$162,611 3,008KERNAN GRP338469 6152.65% 0.00% 100.00%$147,850 0MAPFRE INS GRP41170 076.88% 0.00% 100.00%

$76,868 2,346INSUREMAX INS CO1092271 2,3460.00% 0.00% 100.00%$44,140 0OKLAHOMA FARM BUREAU GRP22072 151.65% 0.00% 100.00%$37,489 76SELECTIVE INS GRP24273 7692.38% 0.00% 100.00%$31,592 3GRANGE MUT CAS GRP26774 3(2,288.79)% 0.00% 100.00%$31,407 247VIRGINIA FARM BUREAU GRP20375 24759.01% 0.00% 100.00%$30,064 0UNDERWRITERS AT LLOYD'S LONDON1564276 00.00% 0.00% 100.00%$29,993 126ACCESS INS CO1171177 1260.00% 0.00% 100.00%$16,590 22DAILY UNDERWRITERS OF AMER3548378 22(0.85)% 0.00% 100.00%$13,616 12FRANKENMUTH GRP130979 12163.54% 0.00% 100.00%

$9,177 2THE HANOVER INS GRP8880 2548.85% 0.00% 100.00%$5,762 19OHIO MUT GRP96381 1910.41% 0.00% 100.00%$5,269 20HORACE MANN GRP30082 1578.86% 0.00% 100.00%$4,904 0STATE AUTO MUT GRP17583 0(0.12)% 0.00% 100.00%$3,124 734CLOISTER MUT & WINDSOR MOUNT JOY GR477484 7340.96% 0.00% 100.00%$2,651 1MOTORISTS MUT GRP29185 132.03% 0.00% 100.00%$1,277 36AMERIPRISE FIN GRP486 180.00% 0.00% 100.00%

$500 0LOCKHART CO GRP470687 00.00% 0.00% 100.00%$474 3ARROWPOINT CAPITAL GRP55388 2494.09% 0.00% 100.00%$200 0AMALGAMATED CAS INS CO1329389 20.00% 0.00% 100.00%$128 6MERCHANTS MUT GRP22690 60.00% 0.00% 100.00%

$5,776,969,702 107,139,443GRAND TOTAL 49,750,99282.95% 100.00%

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ACCIDENT AND HEALTH POLICY EXPERIENCE REPORT FOR 2015

Market Share for Fraternal

Grand Total Individual, Group and Other Business

countrywide

NAICEarned

Premiums MarketShare %Loss Ratio %

or CertificatesNumber of Policies

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

Number of CumulativeMarket

Rank Group/Company Name

$315,809,950 227,960THRIVENT FINANCIAL FOR LUTHERANS GRP29381 211,160175.94% 51.77% 51.77%$64,756,657 47,030ORDER OF UNITED COMMERCIAL TRAVELERS563832 44,78675.85% 10.62% 62.39%$62,016,691 49,299KNIGHTS OF COLUMBUS580333 49,21595.22% 10.17% 72.55%$50,056,329 18,144ASSURED LIFE ASSN564994 18,14474.21% 8.21% 80.76%$42,097,195 21,326EVERENCE GRP46165 16,44269.10% 6.90% 87.66%$31,682,977 8,726ROYAL NEIGHBORS OF AMER576576 8,72668.12% 5.19% 92.85%$19,028,225 97,244POLICE & FIREMENS INS ASSN580097 97,24453.90% 3.12% 95.97%$11,199,974 40,116WOODMEN WORLD LIFE INS SOC573208 37,75394.43% 1.84% 97.81%

$3,445,165 39,803UNITED TRANSPORTATION UNION INS ASSN564139 30,59321.95% 0.56% 98.37%$3,303,183 12,381INDEPENDENT ORDER OF FORESTERS US BR5806810 12,38156.75% 0.54% 98.91%$1,899,626 8,076UNITED STATES LETTER CARRIERS MUT BE5645611 6,34341.33% 0.31% 99.22%$1,135,476 8,156CATHOLIC ORDER OF FORESTERS5748712 8,156821.25% 0.19% 99.41%

$979,796 0KSKJ LIFE AMER SLOVENIAN CATHOLIC UN5622713 082.02% 0.16% 99.57%$505,962 150SPJST5743614 15065.70% 0.08% 99.65%$489,681 468WESTERN CATHOLIC UNION5771115 46875.38% 0.08% 99.73%$390,124 0EMPLOYES MUT BENEFIT ASSN5604916 96955.08% 0.06% 99.80%$377,952 24,292TRAVELERS PROTECTIVE ASSN OF AMER5600617 24,29271.88% 0.06% 99.86%$280,822 306LOYAL CHRISTIAN BENEFIT ASSN5675818 30672.35% 0.05% 100.00%$172,015 455NATIONAL MUT BENEFIT5607319 45569.06% 0.03% 100.00%$116,955 440MODERN WOODMEN OF AMER5754120 440292.48% 0.02% 100.00%

$99,053 489CATHOLIC FINANCIAL LIFE5603021 48982.49% 0.02% 100.00%$41,790 3,470CROATIAN FRATERNAL UNION OF AMER5663422 4,28483.21% 0.01% 100.00%$27,720 157SONS OF NORWAY5714223 136208.10% 0.00% 100.00%$27,015 4,853SLOVENE NATL BENEFIT SOCIETY5767324 4,853(301.25)% 0.00% 100.00%$21,834 2,083GLEANER LIFE INS SOCIETY5615425 2,083335.44% 0.00% 100.00%$21,751 9CSA FRATERNAL LIFE5613826 952.32% 0.00% 100.00%$20,248 1,050GREEK CATHOLIC UNION OF THE USA5669327 1,050103.67% 0.00% 100.00%$14,355 0POLISH FALCONS OF AMER5682028 075.42% 0.00% 100.00%

$7,960 0UKRAINIAN NATL ASSN INC5721529 030.88% 0.00% 100.00%$182 3CATHOLIC HOLY FAMILY SOCIETY5777030 30.00% 0.00% 100.00%

$610,026,663 616,486GRAND TOTAL 580,930129.18% 100.00%

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Accident and Health Policy Experience Report

Technical Notes

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2015 Accident and Health Policy Experience Report

Technical Notes

In prior years, there were data anomalies within the Individual Business section of the Accident

and Health Policy Experience Exhibit regarding the Number of Policies or Certificates to the

Number of Covered Lives. Starting with 2010 data, a reasonability validation was added into the

software data checks of NAIC company filings, with a ratio of one individual policy or

certificate per 10 covered lives, as this ratio should not be exceeded in individual business. These

should reduce the number of errors.

A similar anomaly within the Accident and Health Policy Experience Exhibit affected the

Premiums Earned column in regard to either the Number of Policies or Certificates, or the

Number of Covered Lives. Essentially, some companies reported having no premium earned, but

reported having policies/certificates and/or covered lives; or they reported no covered lives

and/or no policies/certificates, but reported having premium earned. A validation was added in

2010 to the software for this anomaly. While it is possible for a company to have premium with

no lives/policies if they are in run-off, including a validation should help to reduce filing errors.

While these validations should help to reduce anomalies, errors may still occur.

Aggregated Annual Statement Data

All lines on all pages are aggregated data.

Currently, the Accident and Health Policy Experience Exhibit is not available by state.

Individual Business

All data are aggregated from the Individual Business section of the Accident and Health

Policy Experience Exhibit.

Group Business

All data are aggregated from the Group Business section of the Accident and Health

Policy Experience Exhibit.

Other Business

All data are aggregated from the Other Business section of the Accident and Health

Policy Experience Exhibit.

Grand Total (Individual, Group, and Other) Business

All data are aggregated.

Note: On the Aggregated Market Share, the Grand Total reflects the difference of the

Grand Total of the Accident and Health Policy Experience Exhibit (Line D.2) minus the

Total Non-U.S. Policy Forms (Line D.1).

Market Share

Companies reporting negative premiums are included in the calculation of total premium.

Due to the addition of negative premiums to the total premium, the cumulative market

share is capped at 100%.

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Accident and Health Policy Experience Report

Company Index

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Accident and Health Policy Experience Report for 2015

Group Index

1 Group Name:Group Code: AETNA GRP11102 HEALTHASSURANCE PA INC Health11183 AETNA DENTAL INC NJ CORP Health12193 AETNA BETTER HLTH OF MI INC Health12321 AMERICAN CONTINENTAL INS CO Life12509 MHNET LIFE & HLTH INS CO Health13174 AETNA BETTER HLTH INC Health13735 AETNA BETTER HLTH INC Health14043 AETNA BETTER HLTH INC Health14229 AETNA BETTER HLTH INC Health15097 INNOVATION HLTH INS CO Health15098 INNOVATION HLTH PLAN INC Health15611 AETNA BETTER HLTH INC Health15616 AETNA BETTER HLTH INC Health60054 AETNA LIFE INS CO Life68500 CONTINENTAL LIFE INS CO BRENTWOOD Life72052 AETNA HLTH INS CO Health74160 COVENTRY HLTH CARE OF IL INC Health78700 AETNA HLTH & LIFE INS CO Life81973 COVENTRY HLTH & LIFE INS CO Health84450 AETNA HLTH INS CO OF NY Health90328 FIRST HLTH LIFE & HLTH INS CO Life95040 AETNA BETTER HLTH OF TX INC Health95060 HEALTHAMER PA 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 INC Health95266 COVENTRY HLTH PLAN OF FL INC Health95287 AETNA HLTH INC NJ CORP Health95318 HEALTHCARE USA OF MO LLC Health95321 COVENTRY HLTH CARE OF THE CAROLINAS Health95407 ALTIUS HLTH PLANS INC Health95408 COVENTRY HLTH CARE OF W VA INC Health95489 COVENTRY HLTH CARE OF KS INC Health95490 AETNA HLTH INC TX CORP Health95517 AETNA HLTH INC ME CORP Health95846 GROUP DENTAL SERV OF MD INC Health95910 AETNA DENTAL INC Health95925 COVENTRY HLTH CARE OF NE INC Health95935 AETNA HLTH INC CT CORP Health96377 COVENTRY HLTH CARE OF MO INC Health96460 COVENTRY HLTH CARE OF DE INC Health96555 COVENTRY HLTH CARE OF VA INC Health

4 Group Name:Group Code: AMERIPRISE FIN GRP29068 IDS PROP CAS INS CO Property65005 RIVERSOURCE LIFE INS CO Life80594 RIVERSOURCE LIFE INS CO OF NY Life

5 Group Name:Group Code: ALFA INS GRP19135 ALFA MUT INS CO Property79049 ALFA LIFE INS CORP Life

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Accident and Health Policy Experience Exhibit Group Index

7 Group Name:Group Code: FEDERATED MUT GRP13935 FEDERATED MUT INS CO Property63258 FEDERATED LIFE INS CO Life

8 Group Name:Group Code: ALLSTATE INS GRP60186 ALLSTATE LIFE INS CO Life60534 AMERICAN HERITAGE LIFE INS CO Life64831 INTRAMERICA LIFE INS CO Life70874 ALLSTATE LIFE INS CO OF NY Life

12 Group Name:Group Code: AMERICAN INTL GRP19380 AMERICAN HOME ASSUR CO Property19429 INSURANCE CO OF THE STATE OF PA Property19445 NATIONAL UNION FIRE INS CO OF PITTS Property23841 NEW HAMPSHIRE INS CO Property60488 AMERICAN GEN LIFE INS CO Life70106 UNITED STATES LIFE INS CO IN THE CIT Life

19 Group Name:Group Code: ASSURANT INC GRP10111 AMERICAN BANKERS INS CO OF FL Property11111 UDC OF MI INC Health11244 UNION SECURITY DENTALCARE OF NJ INC Health42978 AMERICAN SECURITY INS CO Property42986 STANDARD GUAR INS CO Property47042 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 Health60275 AMERICAN BANKERS LIFE ASSUR CO OF FL Life65080 JOHN ALDEN LIFE INS CO Life67989 AMERICAN MEMORIAL LIFE INS CO Life69477 TIME INS CO Life70408 UNION SECURITY INS CO Life81477 UNION SECURITY LIFE INS CO OF NY Life95142 UNITED DENTAL CARE OF TX INC Health95450 UNITED DENTAL CARE OF UT INC Health

20 Group Name:Group Code: LINCOLN NATL GRP62057 LINCOLN LIFE & ANN CO OF NY Life65676 LINCOLN NATL LIFE INS CO Life67652 FIRST PENN PACIFIC LIFE INS CO Life

23 Group Name:Group Code: BCS INS GRP38245 BCS INS CO Property80985 4 EVER LIFE INS CO Life

31 Group Name:Group Code: BERKSHIRE HATHAWAY GRP22063 GOVERNMENT EMPLOYEES INS CO Property34274 CENTRAL STATES IND CO OF OMAHA Property38865 CALIFORNIA INS CO Property38962 GENESIS INS CO Property42390 AMGUARD INS CO Property97764 IDEALIFE INS CO Life

38 Group Name:Group Code: CHUBB INC GRP20281 FEDERAL INS CO Property

50 Group Name:Group Code: COUNTRY INS & FIN SERV GRP62553 COUNTRY LIFE INS CO Life

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Accident and Health Policy Experience Exhibit Group Index

55 Group Name:Group Code: AUTOMOBILE CLUB MI GRP11983 AUTO CLUB PROP CAS INS CO Property71854 AAA LIFE INS CO Life84522 AUTO CLUB LIFE INS CO Life

68 Group Name:Group Code: WISCONSIN PHYSICIANS SERV INS GRP10159 WPS HLTH PLAN INC Health53139 WISCONSIN PHYSICIANS SERV INS CORP Health64149 EPIC LIFE INS CO Life

69 Group Name:Group Code: FARMERS INS GRP10805 AMERICAN PACIFIC INS CO INC Property20796 21ST CENTURY PREMIER INS CO Property34789 21ST CENTURY CENTENNIAL INS CO Property

71 Group Name:Group Code: UNIVERSAL INS CO GRP60041 UNIVERSAL LIFE INS CO Life

84 Group Name:Group Code: AMERICAN FINANCIAL GRP16691 GREAT AMER INS CO Property32620 NATIONAL INTERSTATE INS CO Property63312 GREAT AMER LIFE INS CO Life67083 MANHATTAN NATL LIFE INS CO Life

85 Group Name:Group Code: HEALTHPLEX GRP11172 HEALTHPLEX INS CO Health11173 INTERNATIONAL HLTHCARE SERV INC Health12830 HEALTHPLEX OF NJ INC Health

88 Group Name:Group Code: THE HANOVER INS GRP42552 NOVA CAS CO Property

91 Group Name:Group Code: HARTFORD FIRE & CAS GRP19682 HARTFORD FIRE IN CO Property70815 HARTFORD LIFE & ACCIDENT INS CO Life71153 HARTFORD LIFE & ANN INS CO Life88072 HARTFORD LIFE INS CO Life

98 Group Name:Group Code: WR BERKLEY CORP GRP32603 BERKLEY INS CO Property40045 STARNET INS CO Property64890 BERKLEY LIFE & HLTH INS CO Life

111 Group Name:Group Code: LIBERTY MUT GRP21458 EMPLOYERS INS OF WAUSAU Property23035 LIBERTY MUT FIRE INS CO Property23043 LIBERTY MUT INS CO Property24074 OHIO CAS INS CO Property65315 LIBERTY LIFE ASSUR CO OF BOSTON Life

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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 Health52015 COMPBENEFITS CO Health52028 HUMANA DENTAL CONCERN LTD Health54739 THE DENTAL CONCERN INC Health60052 HUMANA BENEFIT PLAN OF IL INC Health60219 HUMANA INS CO OF KY Life60984 COMPBENEFITS INS CO Health65110 KANAWHA INS CO Life69671 HUMANA HLTH INS CO OF FL INC Health70580 HUMANADENTAL INS CO Health73288 HUMANA INS CO Health84603 HUMANA INS CO OF PR INC Life88595 EMPHESYS INS CO Health95024 HUMANA HLTH PLAN OF TX INC Health95092 CAREPLUS HLTH PLANS INC Health95158 CHA HMO INC Health95161 DENTICARE INC Health95270 HUMANA MEDICAL PLAN INC Health95342 HUMANA WI HLTH ORG INS CORP Health95348 HUMANA HLTH PLAN OF OH INC Health95519 HUMANA EMPLOYERS HLTH PLAN GA INC Health95642 HUMANA HLTH BENEFIT PLAN OF LA INC Health95721 HUMANA HLTH PLANS OF PR Health95754 CARITEN HLTH PLAN INC Health95885 HUMANA HLTH PLAN INC Health

123 Group Name:Group Code: SHELTER INS GRP65757 SHELTER LIFE INS CO Life

126 Group Name:Group Code: EDUCATORS MUT GRP12515 EDUCATORS HLTH PLANS LIFE ACCIDENT & Health81701 EDUCATORS MUT INS ASSOC Health

132 Group Name:Group Code: WICHITA NATL LIFE GRP70548 WICHITA NATL LIFE INS CO Life98868 SHERIDAN LIFE INS CO Life

140 Group Name:Group Code: NATIONWIDE CORP GRP11991 NATIONAL CAS CO Property13838 FARMLAND MUT INS CO Property23779 NATIONWIDE MUT FIRE INS CO Property23787 NATIONWIDE MUT INS CO Property64327 HARLEYSVILLE LIFE INS CO Life66869 NATIONWIDE LIFE INS CO Life92657 NATIONWIDE LIFE & ANN INS CO Life

143 Group Name:Group Code: ARMCO INS INC GRP11977 NORTHWESTERN NATL INS CO SEG ACCNT Property

150 Group Name:Group Code: OLD REPUBLIC GRP12262 PENNSYLVANIA MANUFACTURERS ASSOC INS Property24147 OLD REPUBLIC INS CO Property67261 OLD REPUBLIC LIFE INS CO Life

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Accident and Health Policy Experience Exhibit Group Index

153 Group Name:Group Code: PEKIN INS GRP67628 PEKIN LIFE INS CO Life

158 Group Name:Group Code: FAIRFAX FIN GRP21105 NORTH RIVER INS CO Property21113 UNITED STATES FIRE 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 Property82627 SWISS RE LIFE & HLTH AMER INC Life

200 Group Name:Group Code: UNITED SERV AUTOMOBILE ASSN GRP69663 USAA LIFE INS CO Life

203 Group Name:Group Code: VIRGINIA FARM BUREAU GRP10022 COUNTRYWAY INS CO Property26034 VIRGINIA FARM BUREAU MUT INS CO Property

212 Group Name:Group Code: ZURICH INS GRP14178 ZURICH AMER LIFE INS CO OF NY Life16535 ZURICH AMER INS CO Property19356 MARYLAND CAS CO Property21326 EMPIRE FIRE & MARINE INS CO Property26247 AMERICAN GUAR & LIAB INS Property26387 STEADFAST INS CO Property27855 ZURICH AMER INS CO OF IL Property40142 AMERICAN ZURICH INS CO Property63177 FARMERS NEW WORLD LIFE INS CO Life80896 CENTRE LIFE INS CO Life90557 ZURICH AMER LIFE INS CO Life

213 Group Name:Group Code: ERIE INS GRP70769 ERIE FAMILY LIFE INS CO Life

215 Group Name:Group Code: KEMPER CORP GRP66397 MUTUAL SAVINGS LIFE INS CO 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

© 2016 National Association of Insurance Commissioners 313

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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 Life63665 GENERAL AMER LIFE INS CO Life65978 METROPOLITAN LIFE INS CO Life79014 SAFEHEALTH LIFE INS CO Health87726 METLIFE INS CO USA Life91626 NEW ENGLAND LIFE INS CO Life95051 SAFEGUARD HLTH PLANS INC Health

242 Group Name:Group Code: SELECTIVE INS GRP12572 SELECTIVE INS CO OF AMER Property

244 Group Name:Group Code: CINCINNATI FIN GRP76236 CINCINNATI LIFE INS CO Life

261 Group Name:Group Code: MUTUAL OF OMAHA GRP13100 OMAHA INS CO Life62243 COMPANION LIFE INS CO Life69868 UNITED OF OMAHA LIFE INS CO Life71412 MUTUAL OF OMAHA INS CO Life72850 UNITED WORLD LIFE INS CO Life

264 Group Name:Group Code: HEALTHMARKETS GRP61832 CHESAPEAKE LIFE INS CO Life66087 MID WEST NATL LIFE INS CO OF TN Life92908 HEALTHMARKETS INS CO Life

267 Group Name:Group Code: GRANGE MUT CAS GRP14060 GRANGE MUT CAS CO Property71218 GRANGE LIFE INS CO Life

276 Group Name:Group Code: TRUSTMARK MUT HOLDING CO GRP61425 TRUSTMARK INS CO Life62863 TRUSTMARK LIFE INS CO Life

280 Group Name:Group Code: AUTO OWNERS GRP61190 AUTO OWNERS LIFE INS CO Life

290 Group Name:Group Code: TORCHMARK CORP GRP10093 NATIONAL INCOME LIFE INS CO Life60577 AMERICAN INCOME LIFE INS CO Life65331 LIBERTY NATL LIFE INS CO Life74101 FIRST UNITED AMER LIFE INS CO Life77968 FAMILY HERITAGE LIFE INS CO OF AMER Life91472 GLOBE LIFE & ACCIDENT INS CO Life92916 UNITED AMER INS CO Life

291 Group Name:Group Code: MOTORISTS MUT GRP13331 MOTORISTS COMMERCIAL MUT INS CO Property

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Accident and Health Policy Experience Exhibit Group Index

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

306 Group Name:Group Code: CUNA MUT GRP62626 CMFG LIFE INS CO Life86126 MEMBERS LIFE INS CO Life

313 Group Name:Group Code: AEGIS GRP17965 AMERICAN SENTINEL INS CO Property33898 AEGIS SECURITY INS CO Property

315 Group Name:Group Code: INDUSTRIAL ALLIANCE GRP67148 OCCIDENTAL LIFE INS CO OF NC Life91693 IA AMER LIFE INS CO Life

316 Group Name:Group Code: NATIONAL SECURITY GRP66788 NATIONAL SECURITY INS CO Life

330 Group Name:Group Code: AMERICAN FIDELITY CORP GRP60410 AMERICAN FIDELITY ASSUR CO Life60801 AMERICAN PUBLIC LIFE INS CO Life

332 Group Name:Group Code: PRINCIPAL FIN GRP61271 PRINCIPAL LIFE INS CO Life

350 Group Name:Group Code: GENERAL ELECTRIC GRP62596 UNION FIDELITY LIFE INS CO Life

361 Group Name:Group Code: MUNICH RE GRP19720 AMERICAN ALT INS CORP Property23469 AMERICAN MODERN HOME INS CO Property

367 Group Name:Group Code: PHYSICIANS MUT 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 Health96202 CAREFIRST BLUECHOICE INC Health

403 Group Name:Group Code: PHOENIX COS GRP67814 PHOENIX LIFE INS CO Life

408 Group Name:Group Code: AMERICAN NATL FIN GRP60739 AMERICAN NATL INS CO Life63126 FARM FAMILY LIFE INS CO Life71773 AMERICAN NATL LIFE INS CO OF TX Life86355 STANDARD LIFE & ACCIDENT INS CO Life

411 Group Name:Group Code: MAPFRE INS GRP19941 AMERICAN COMMERCE INS CO Property77054 MAPFRE LIFE INS CO OF PR Life85561 MAPFRE LIFE INS CO Life

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Accident and Health Policy Experience Exhibit Group Index

429 Group Name:Group Code: GUARDIAN LIFE GRP11199 MANAGED DENTAL GUARD INC Health11221 FIRST COMMONWEALTH LTD HLTH SERV COR Health12146 FIRST COMMONWEALTH LTD HLTH SERV COR Health14142 MANAGED DENTALGUARD INC Health15307 ACCESS DENTAL PLAN OF NV INC Health47716 FIRST COMMONWEALTH OF MO INC Health52556 MANAGED DENTALGUARD INC Health60237 PREMIER ACCESS INS CO Health60239 FIRST COMMONWEALTH INS CO Health64246 GUARDIAN LIFE INS CO OF AMER Life71714 BERKSHIRE LIFE INS CO OF AMER Life

430 Group Name:Group Code: BCBS OF KS GRP12143 ADVANCE INS CO OF KS Life15481 BC BS KS SOLUTIONS INC Health70729 BCBS OF KS INC Life

431 Group Name:Group Code: SAMMONS ENTERPRISES GRP66044 MIDLAND NATL LIFE INS CO Life66974 NORTH AMER CO LIFE & HLTH INS Life68675 SECURITY BENEFIT LIFE INS CO Life83607 GUGGENHEIM LIFE & ANN CO Life

435 Group Name:Group Code: MASS MUT LIFE INS GRP65935 MASSACHUSETTS MUT LIFE INS CO Life

438 Group Name:Group Code: LOUISIANA HLTH SERV GRP60009 SOUTHERN NATL LIFE INS CO INC Life81200 LOUISIANA HLTH SERV & IND CO Health95643 HMO LA INC Health

440 Group Name:Group Code: REGAL REINS GRP66265 MONARCH LIFE INS CO Life

449 Group Name:Group Code: FINANCIAL HOLDINGS GRP61999 AMERICO FIN LIFE & ANN INS CO Life63487 INVESTORS LIFE INS CO N AMER Life66540 NATIONAL FARMERS UNION LIFE INS CO Life67180 OHIO STATE LIFE INS CO Life87645 UNITED FIDELITY LIFE INS CO Life90212 GREAT SOUTHERN LIFE INS CO Life

450 Group Name:Group Code: GENEVE HOLDINGS INC GRP26581 INDEPENDENCE AMER INS CO Property65781 MADISON NATL LIFE INS CO INC Life69078 STANDARD SECURITY LIFE INS CO OF NY Life

451 Group Name:Group Code: FIDELITY SECURITY GRP67288 FIDELITY SECURITY LIFE INS CO OF NY Life71870 FIDELITY SECURITY LIFE INS CO Life

454 Group Name:Group Code: SECURITY NATL GRP69485 SECURITY NATL LIFE INS CO Life

457 Group Name:Group Code: ARGONAUT GRP19801 ARGONAUT INS CO Property

458 Group Name:Group Code: PROTECTIVE LIFE INS GRP66370 MONY LIFE INS CO Life68136 PROTECTIVE LIFE INS CO Life70335 WEST COAST LIFE INS CO Life88536 PROTECTIVE LIFE & ANNUITY INS CO Life

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Accident and Health Policy Experience Exhibit Group Index

461 Group Name:Group Code: BCBS OF MN GRP55026 BCBSM INC Health61522 MII LIFE INC Health95649 HMO DBA BLUE PLUS Health

468 Group Name:Group Code: AEGON US HOLDING GRP10952 TRANSAMERICA CAS INS CO Property66281 TRANSAMERICA PREMIER LIFE INS CO Life70688 TRANSAMERICA FINANCIAL LIFE INS CO Life86231 TRANSAMERICA LIFE INS CO Life

473 Group Name:Group Code: AMERICAN FAMILY INS GRP10386 AMERICAN FAMILY INS CO Property19275 AMERICAN FAMILY MUT INS CO Property

477 Group Name:Group Code: RENAISSANCE HLTH SERV CORP GRP15638 RENAISSANCE HLTH INS CO OF NY Health47287 DELTA DENTAL PLAN OF NM INC Health48127 DENTAL CHOICE INC Health52634 DELTA DENTAL PLAN OF IN INC Health54305 DELTA DENTAL PLAN OF MI INC Health54402 DELTA DENTAL PLAN OF OH INC Health54658 DELTA DENTAL OF NC Health54674 DELTA DENTAL OF KY INC Health61700 RENAISSANCE LIFE & HLTH INS CO OF AM Health

481 Group Name:Group Code: PRESBYTERIAN HLTHCARE SERV GRP11504 PRESYBYTERIAN INS CO INC Health95330 PRESBYTERIAN HLTH PLAN INC Health

501 Group Name:Group Code: ALLEGHANY GRP10472 CAPITOL IND CORP Property18619 PLATTE RIVER INS CO Property

503 Group Name:Group Code: LANDCAR INS GRP92274 LANDCAR LIFE INS CO Life

513 Group Name:Group Code: IOWA FARM BUREAU GRP63088 FARM BUREAU LIFE INS CO Life

514 Group Name:Group Code: MISSOURI FARM BUREAU GRP63118 FARM BUREAU LIFE INS CO OF MO Life

520 Group Name:Group Code: NEW ERA LIFE GRP67784 PHILADELPHIA AMER LIFE INS CO Life69698 NEW ERA LIFE INS CO OF MIDWEST Life78743 NEW ERA LIFE INS CO Life81132 LIFE OF AMER INS CO Life

525 Group Name:Group Code: PAN AMER LIFE GRP12952 PAN AMER LIFE INS CO OF PR Life66427 MUTUAL TRUST LIFE INS CO A PAN AMER Life67539 PAN AMER LIFE INS CO Life

526 Group Name:Group Code: MAXIMUM CORP GRP61735 CENTRAL SECURITY LIFE INS CO Life80993 WESTERN AMER LIFE INS CO Life

535 Group Name:Group Code: COLUMBIAN LIFE GRP62103 COLUMBIAN MUT LIFE INS CO Life76023 COLUMBIAN LIFE INS CO Life

© 2016 National Association of Insurance Commissioners 317

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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 GRP47171 BCBS OF KC Health76040 MISSOURI VALLEY LIFE & HLTH INS CO Life95315 GOOD HLTH HMO INC Health

542 Group Name:Group Code: INDIANA FARM BUREAU GRP69892 UNITED FARM FAMILY LIFE INS CO Life69922 UNITED HOME LIFE INS CO Life

549 Group Name:Group Code: SUN LIFE ASSUR CO OF CN GRP68047 PROFESSIONAL INS CO Life80802 US BR SUN LIFE ASSUR CO OF CANADA Life80926 SUN LIFE & HLTH INS CO Life

553 Group Name:Group Code: ARROWPOINT CAPITAL GRP24678 ARROWOOD IND CO Property

565 Group Name:Group Code: UNUMPROVIDENT CORP GRP62049 COLONIAL LIFE & ACCIDENT INS CO Life62235 UNUM LIFE INS CO OF AMER Life64297 FIRST UNUM LIFE INS CO Life67598 PAUL REVERE LIFE INS CO Life68195 PROVIDENT LIFE & ACCIDENT INS CO Life68209 PROVIDENT LIFE & CAS INS CO Life

570 Group Name:Group Code: BCBS OF AL GRP55433 BCBS OF AL Health81531 UTIC INS CO Life

572 Group Name:Group Code: BCBS OF MI GRP11557 BLUE CROSS COMPLETE OF MI LLC Health52037 BLUE CARE OF MI INC Health54291 BCBS OF MI MUT INS CO Health77720 LIFESECURE INS CO Life95610 BLUE CARE NETWORK OF MI Health

574 Group Name:Group Code: AMERCO CORP GRP61859 CHRISTIAN FIDELITY LIFE INS CO Life68349 NORTH AMER INS CO Life76112 OXFORD LIFE INS CO Life

581 Group Name:Group Code: BOSTON MUT GRP61476 BOSTON MUT LIFE INS CO Life78140 LIFE INS CO OF BOSTON & NY Life

587 Group Name:Group Code: ATLANTIC AMER GRP61239 BANKERS FIDELITY LIFE INS CO Life

588 Group Name:Group Code: KANSAS CITY LIFE INS GRP65129 KANSAS CITY LIFE INS CO Life67199 OLD AMER INS CO Life69272 SUNSET LIFE INS CO OF AMER Life

© 2016 National Association of Insurance Commissioners 318

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Accident and Health Policy Experience Exhibit Group Index

595 Group Name:Group Code: HARVARD PILGRIM HLTH CARE GRP15492 HARVARD PILGRIM HLTH CARE OF CT INC Health18975 HPHC INS CO INC Health96717 HARVARD PILGRIM HEALTH CARE NEW ENG Health96911 HARVARD PILGRIM HLTH CARE INC Health

598 Group Name:Group Code: DELTA GRP62650 DELTA LIFE INS CO Life

600 Group Name:Group Code: SCOTT & WHITE GRP11670 INSURANCE CO OF SCOTT & WHITE Health95099 SCOTT & WHITE HLTH PLAN Health

601 Group Name:Group Code: KAISER FOUNDATION GRP11538 KAISER FOUND HLTH PLAN INC HI REGION Health60053 KAISER PERMANENTE INS CO Health95540 KAISER FOUND HLTH PLAN OF THE NW Health95639 KAISER FOUND HLTH PLAN MID ATLANTI Health95669 KAISER FOUND HLTH PLAN OF CO Health96237 KAISER FOUND HLTH PLAN OF GA INC Health

612 Group Name:Group Code: CITIZENS GRP60076 SECURITY PLAN LIFE INS CO Life71463 CICA LIFE INS CO OF AMER 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

623 Group Name:Group Code: HEALTH NET INC GRP66141 HEALTH NET LIFE INS CO Life95206 HEALTH NET OF AZ INC Health95800 HEALTH NET HLTH PLAN OF OR INC Health

626 Group Name:Group Code: CHUBB LTD GRP20699 ACE PROP & CAS INS CO Property22667 ACE AMER INS CO Property22713 INSURANCE CO OF N AMER Property27960 ILLINOIS UNION INS CO Property43575 INDEMNITY INS CO OF NORTH AMER Property62146 COMBINED INS CO OF AMER Life78697 COMBINED LIFE INS CO OF NY Life

634 Group Name:Group Code: NATIONAL LIFE GRP65528 LIFE INS CO OF THE SOUTHWEST Life66680 NATIONAL LIFE INS CO Life

661 Group Name:Group Code: BCBS OF SC GRP11560 TOTAL DENTAL ADMINISTRATORS OF UT Health12168 INSTIL HLTH INS CO Health12285 NIAGARA LIFE & HLTH INS CO Life38520 BCBS OF SC INC Health52120 TOTAL DENTAL ADMINISTRATORS HLTH PLA Health77828 COMPANION LIFE INS CO Life95741 BLUECHOICE HLTHPLAN OF SC INC Health

© 2016 National Association of Insurance Commissioners 319

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669 Group Name:Group Code: ZALE CORP GRP30325 ZALE IND CO Property71323 ZALE LIFE INS CO Life

671 Group Name:Group Code: ANTHEM INC GRP10345 COMMUNITY INS CO Health10767 AMERIGROUP OH INC DBA COMM CARE Health11011 ROCKY MOUNTAIN HOSPITAL & MEDICAL Health11810 UNICARE HLTH PLAN OF WV INC Health12229 AMGP GA MANAGED CARE CO INC Health12354 AMERIGROUP COMM CARE OF NM INC Health12586 AMERIGROUP NV INC Health12941 AMERIGROUP TN INC Health13562 CAREMORE HLTH PLAN OF AZ INC Health13573 ANTHEM LIFE & DISABILITY INS CO Life13605 CAREMORE HLTH PLAN OF NV Health13726 SIMPLY HLTHCARE PLANS INC Health14064 AMERIGROUP LA INC Health14073 AMERIGROUP WASHINGTON INC Health14078 AMERIGROUP INS CO Health14276 AMERIGROUP KS INC Health15480 BETTER HLTH INC Health15543 ANTHEM KY MANAGED CARE PLAN INC Health28207 ANTHEM INS CO INC Health52618 ANTHEM HLTH PLANS OF ME INC Health53759 ANTHEM HLTH PLANS OF NH Health54003 BCBS OF WI Health54801 BCBS OF GA INC Health55093 EMPIRE HEALTHCHOICE ASSUR INC Health60217 ANTHEM HLTH PLANS INC Health61069 ANTHEM LIFE INS CO Life62825 ANTHEM BLUE CROSS LIFE & HLTH INS CO Health71835 ANTHEM HLTH PLANS OF VA INC Health78972 HEALTHY ALLIANCE LIFE INS CO Health80314 UNICARE LIFE & HLTH INS CO Life95093 AMERIGROUP FL INC Health95120 ANTHEM HLTH PLANS OF KY INC Health95169 HEALTHKEEPERS INC Health95314 AMERIGROUP TX INC Health95358 HMO MO INC Health95373 AMERIGROUP NJ INC Health95433 EMPIRE HEALTHCHOICE HMO INC Health95473 HMO CO INC Health95527 MATTHEW THORTON HLTH PLAN INC Health95693 COMPCARE HLTH SERV INS CORP Health95832 AMERIGROUP MD INC Health96475 HEALTHLINK HMO INC Health96962 BCBS HLTHCARE PLAN OF GA INC Health97217 GREATER GA LIFE INS CO Life

687 Group Name:Group Code: GUARANTEE TRUST GRP64211 GUARANTEE TRUST LIFE INS CO Life92703 UNITED NATL LIFE INS CO OF AMER Life

689 Group Name:Group Code: BANKERS INS GRP81043 BANKERS LIFE INS CO Life

690 Group Name:Group Code: CENTRAL STATES GRP61751 CENTRAL STATES H & L CO OF OMAHA Life

© 2016 National Association of Insurance Commissioners 320

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694 Group Name:Group Code: TENNESSEE FARMERS GRP15245 TENNESSEE FARMERS MUT INS CO Property

704 Group Name:Group Code: OHIO NATL LIFE GRP67172 OHIO NATL LIFE INS CO Life89206 OHIO NATL LIFE ASSUR CORP Life

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Accident and Health Policy Experience Exhibit Group Index

707 Group Name:Group Code: UNITEDHEALTH GRP11141 UNITEDHEALTHCARE COMM PLAN OF TX LLC Health11176 PREFERRED CARE PARTNERS INC Health11494 PHYSICIANS HLTH CHOICE OF TX LLC Health11596 UNIMERICA LIFE INS CO OF NY Life12155 MEDICA HLTHCARE PLANS INC Health12231 UNITEDHEALTHCARE INS CO OF THE RIVER Health12323 UNITEDHEALTHCARE COMM PLAN OF OH INC Health12558 CARE IMPROVEMENT PLUS OF TX INS CO Health12567 CARE IMPROVEMENT PLUS S CENTRAL INS Health12756 MEDICA HLTH PLANS OF FL INC Health13032 UNISON HLTH PLAN OF THE CAPITAL AREA Health13178 AMERICHOICE OF CT INC Health13214 UNITEDHEALTHCARE OF NM INC Health14041 CARE IMPROVEMENT PLUS WI INS CO Health43893 HEALTH NET INS CO NY INC Health48038 UNITEDHEALTHCARE OF WA INC Health52053 DENTAL BENEFIT PROVIDERS OF IL INC Health60093 UNITED HLTHCARE INS CO OF NY Health60318 UNITED HLTHCARE INS CO OF IL Health60321 MAMSI LIFE & HLTH INS CO Health62286 GOLDEN RULE INS CO Life70785 PACIFICARE LIFE & HLTH INS CO Life71420 SIERRA HLTH & LIFE INS CO INC Health73130 ALL SAVERS LIFE INS CO OF CA Life78026 OXFORD HLTH INS INC Health79413 UNITEDHEALTHCARE INS CO Life79480 HARKEN HLTH INS CO Life82406 ALL SAVERS INS CO Life84506 PACIFICARE LIFE ASSUR CO Health91529 UNIMERICA INS CO Life95025 UNITED HLTHCARE MID ATLANTIC INC Health95085 UNITEDHEALTHCARE OF NY INC Health95090 UNITED HLTHCARE OF CO INC Health95103 UNITEDHEALTHCARE OF NC INC Health95123 NEIGHBORHOOD HLTH PARTNERSHIP INC Health95149 UNITEDHEALTHCARE OF NEW ENGLAND INC Health95174 UNITEDHEALTHCARE BENEFITS OF TX INC Health95186 UNITED HLTHCARE OF OH INC Health95220 UNITEDHEALTHCARE OF PA INC Health95251 NATIONAL PACIFIC DENTAL INC Health95264 UNITED HLTHCARE OF FL INC Health95378 UNITEDHEALTHCARE PLAN OF THE RIVER V Health95434 PACIFICARE OF CO INC Health95446 UNITED HLTHCARE OF AR INC Health95467 UNITEDHEALTHCARE COMM PLAN INC Health95479 OXFORD HLTH PLANS NY INC Health95497 AMERICHOICE OF NJ INC Health95501 UNITED HLTHCARE OF UT INC Health95506 OXFORD HLTH PLANS NJ INC Health95591 UNITED HLTHCARE OF MIDLANDS INC Health95617 PACIFICARE OF AZ INC Health95685 PACIFICARE OF NV INC Health95710 UNITEDHEALTHCARE OF WI INC Health95716 UNITED HLTH CARE OF MS INC Health95758 NEVADA PACIFIC DENTAL INC Health95765 UNITEDHEALTHCARE OF TX INC Health95776 UNITEDHEALTHCARE OF IL INC Health95784 UNITED HLTHCARE OF AL INC Health

© 2016 National Association of Insurance Commissioners 322

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Accident and Health Policy Experience Exhibit Group Index

707 Group Name:Group Code: UNITEDHEALTH GRP95833 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 UNITED HLTHCARE 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

761 Group Name:Group Code: ALLIANZ INS GRP11630 JEFFERSON INS CO Property21849 AMERICAN AUTOMOBILE INS CO Property21857 AMERICAN INS CO Property21873 FIREMANS FUND INS CO Property35300 ALLIANZ GLOBAL RISKS US INS CO Property64190 ALLIANZ LIFE INS CO OF NY Life90611 ALLIANZ LIFE INS CO OF N AMER Life

769 Group Name:Group Code: GREAT WEST GRP68322 GREAT W LIFE & ANN INS CO Life76694 LONDON LIFE REINS CO Life79359 GREAT W LIFE & ANN INS CO OF NY Life80659 US BUSINESS OF CANADA LIFE ASSUR CO Life80705 US BR GREAT WEST LIFE ASSUR CO Life

770 Group Name:Group Code: WELLMARK INC GRP60128 WELLMARK OF SD INC Health88848 WELLMARK INC Health95531 WELLMARK HLTH PLAN OF IA INC Health

781 Group Name:Group Code: UNION LABOR GRP69744 UNION LABOR LIFE INS CO Life

785 Group Name:Group Code: MARKEL CORP GRP38970 MARKEL INS CO Property39020 ESSEX INS CO Property

796 Group Name:Group Code: QBE INS GRP39217 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

© 2016 National Association of Insurance Commissioners 323

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Accident and Health Policy Experience Exhibit Group Index

812 Group Name:Group Code: HIGHMARK GRP12325 GATEWAY HLTH PLAN OF OH INC Health15020 WEST VIRGINIA FAMILY HLTH PLAN INC Health15459 HIGHMARK SENIOR SOLUTIONS CO Health15460 HIGHMARK SENIOR HLTH CO Health15507 HIGHMARK COVERAGE ADVANTAGE INC Health15508 HIGHMARK BENEFITS GRP INC Health35599 HIGHMARK CAS INS CO Property47089 UNITED CONCORDIA DENTAL PLAN PA INC Health52048 UNITED CONCORDIA DENTAL PLANS OF KY Health53287 HIGHMARK BCBSD INC Health54771 HIGHMARK INC Health54828 HIGHMARK WEST VIRGINIA INC. Health60147 FIRST PRIORITY LIFE INS CO INC Health60213 HM LIFE INS CO OF NY Life60222 UNITED CONCORDIA INS CO OF NY Health62294 UNITED CONCORDIA LIFE & HLTH INS CO Health71768 HM HLTH INS CO Health85766 UNITED CONCORDIA INS CO Health89070 UNITED CONCORDIA COMPANIES INC Health93440 HM LIFE INS CO Life95048 KEYSTONE HLTH PLAN W INC Health95160 UNITED CONCORDIA DENTAL PLANS TX INC Health95253 UNITED CONCORDIA DENTAL PLANS Health96150 UNITED CONCORDIA DENTAL PLNS OF MW Health96601 HMO OF NE PA Health96938 GATEWAY HLTH PLAN INC Health

826 Group Name:Group Code: NEW YORK LIFE GRP66915 NEW YORK LIFE INS CO Life

836 Group Name:Group Code: WEST SOUTHERN GRP65242 LAFAYETTE LIFE INS CO Life70483 WESTERN & SOUTHERN LIFE INS CO Life99937 COLUMBUS LIFE INS CO Life

838 Group Name:Group Code: CINCINNATI EQUITABLE CO GRP88064 CINCINNATI EQUITABLE LIFE INS CO Life

839 Group Name:Group Code: WESTBRIDGE CAPITAL GRP62324 FREEDOM LIFE INS CO OF AMER Life89087 ENTERPRISE LIFE INS CO Life98205 NATL FOUNDATION LIFE INS CO Life

850 Group Name:Group Code: PENN MUT GRP67644 PENN MUT LIFE INS CO Life68446 LONGEVITY INS CO Life

860 Group Name:Group Code: NORTHWESTERN MUT GRP67091 NORTHWESTERN MUT LIFE INS CO Life69000 NORTHWESTERN LONG TERM CARE INS CO Life

863 Group Name:Group Code: INTER AMER GRP64076 GREAT FIDELITY LIFE INS CO Life92649 AMERICAN UNDERWRITERS LIFE INS CO Life94447 CENTURY LIFE ASS CO Life

867 Group Name:Group Code: BALDWIN & LYONS GRP12416 PROTECTIVE INS CO Property

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869 Group Name:Group Code: MINNESOTA MUT GRP65811 AMERICAN MODERN LIFE INS CO Life66168 MINNESOTA LIFE INS CO Life74365 SOUTHERN PIONEER LIFE INS CO Life93742 SECURIAN LIFE INS CO Life

872 Group Name:Group Code: BANNER LIFE GRP66230 WILLIAM PENN LIFE INS CO OF NY Life94250 BANNER LIFE INS CO Life

876 Group Name:Group Code: ARKANSAS BCBS GRP83470 USABLE MUT INS CO Health94358 USABLE LIFE Life95442 HMO PARTNERS INC Health

878 Group Name:Group Code: COLONIAL SAVINGS GRP88153 COLONIAL LIFE INS CO OF TX Life

880 Group Name:Group Code: IHC INC GRP63245 SELECTHEALTH BENEFIT ASSUR CO INC Health95153 SELECTHEALTH INC Health

© 2016 National Association of Insurance Commissioners 325

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Accident and Health Policy Experience Exhibit Group Index

901 Group Name:Group Code: CIGNA HLTH GRP10095 BRAVO HLTH MID ATLANTIC INC Health11160 CIGNA DENTAL HLTH OF MO INC Health11167 CIGNA DENTAL HLTH OF NJ INC Health11175 CIGNA DENTAL HLTH OF CO INC Health11522 HEALTHSPRING OF TN INC Health11524 BRAVO HLTH PA INC Health11532 HEALTHSPRING OF FL INC Health12814 ALLEGIANCE LIFE & HLTH INS CO INC Health12902 HEALTHSPRING LIFE & HLTH INS CO INC Health47013 CIGNA DENTAL HLTH PLAN OF AZ INC Health47041 CIGNA DENTAL HLTH OF PA INC Health47805 CIGNA DENTAL HLTH OF OH INC Health48119 CIGNA DENTAL HLTH OF MD INC Health52021 CIGNA DENTAL HLTH OF FL INC Health52024 CIGNA DENTAL HLTH OF KS INC Health52108 CIGNA DENTAL HLTH OF KY INC Health52617 CIGNA DENTAL HLTH OF VA INC Health61727 CENTRAL RESERVE LIFE INS CO Life62308 CONNECTICUT GEN LIFE INS CO Life64548 CIGNA LIFE INS CO OF NY Life65498 LIFE INS CO OF N AMER Life65722 LOYAL AMER LIFE INS CO Life67369 CIGNA HLTH & LIFE INS CO Life67903 PROVIDENT AMER LIFE & HLTH INS CO Life77399 STERLING LIFE INS CO Health88366 AMERICAN RETIREMENT LIFE INS CO Life90859 CIGNA WORLDWIDE INS CO Life95037 CIGNA DENTAL HLTH OF TX INC Health95125 CIGNA HLTHCARE OF AZ INC Health95132 CIGNA HLTHCARE OF NC INC Health95136 CIGNA HLTHCARE OF FL INC Health95179 CIGNA DENTAL HLTH OF NC INC Health95380 CIGNA DENTAL HLTH OF DE INC Health95383 CIGNA HLTHCARE OF TX INC Health95493 CIGNA HLTHCARE NH INC Health95500 CIGNA HLTHCARE OF NJ INC Health95525 CIGNA HLTCARE OF IN INC Health95602 CIGNA HLTHCARE OF IL INC Health95604 CIGNA HLTHCARE OF CO INC Health95606 CIGNA HLTHCARE OF TN INC Health95635 CIGNA HLTHCARE OF ST LOUIS INC Health95660 CIGNA HLTHCARE OF CT INC Health95708 CIGNA HLTHCARE OF SC INC Health95781 HEALTHSPRING OF AL INC Health96229 CIGNA HLTHCARE OF GA INC Health

904 Group Name:Group Code: JOHN HANCOCK GRP65838 JOHN HANCOCK LIFE INS CO USA Life86375 JOHN HANCOCK LIFE INS CO OF NY Life93610 JOHN HANCOCK LIFE & HLTH INS CO Life

© 2016 National Association of Insurance Commissioners 326

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917 Group Name:Group Code: HCSC GRP11814 GHS HMO INC DBA BLUELINCS HMO Health14048 GHS MANAGED HLTH CARE PLANS INC Health29718 GHS INS CO Health70670 HEALTH CARE SERV CORP A MUT LEGAL RE Health71129 DEARBORN NATL LIFE INS CO Life78611 HCSC INS SERV CO Health85090 DEARBORN NATL LIFE INS CO OF NY Life

918 Group Name:Group Code: JACKSON NATL GRP65056 JACKSON NATL LIFE INS CO Life

936 Group Name:Group Code: INDEPENDENCE HLTH GRP INC GRP13630 CBHNP SERV INC Health14143 AMERIHEALTH CARITAS LA INC Health14261 AMERIHEALTH NE INC Health14378 FLORIDA TRUE HLTH INC Health15088 AMERIHEALTH CARITAS DC INC Health15104 AMERIHEALTH MI INC Health53252 INTER CNTY HLTH PLAN INC Health54704 INDEPENDENCE HOSPITAL IND PLAN INC Health54763 INTER CTY HOSPITALIZATION PLAN INC Health60061 AMERIHEALTH INS CO OF NJ Health93688 QCC INS CO Health95044 AMERIHEALTH HMO INC Health95056 KEYSTONE HLTH PLAN E INC Health95458 SELECT HLTH OF SC INC Health96660 VISTA HLTH PLAN INC Health

943 Group Name:Group Code: AMERITAS MUT HOLDING GRP60033 AMERITAS LIFE INS CORP OF NY Life61301 AMERITAS LIFE INS CORP Life

948 Group Name:Group Code: NATL GEN GRP77976 GULF GUAR LIFE INS CO Life

953 Group Name:Group Code: UNIVERSAL AMER FIN CORP GRP10096 SELECTCARE OF TX INC Health10768 SELECTCARE HLTH PLANS INC Health62359 CONSTITUTION LIFE INS CO Life68284 PYRAMID LIFE INS CO Life80624 AMERICAN PROGRESSIVE L&H INS OF NY Life

962 Group Name:Group Code: PREMERA BLUE CROSS GRP47570 PREMERA BLUE CROSS Health52633 LIFEWISE HLTH PLAN OF WA Health84930 LIFEWISE HLTH PLAN OF OR INC Health94188 LIFEWISE ASSUR CO Life

963 Group Name:Group Code: OHIO MUT GRP10202 OHIO MUT INS CO Property13072 UNITED OHIO INS CO Property25950 CASCO IND CO Property

965 Group Name:Group Code: FHC HLTH SYSTEMS GRP15448 VALUEOPTIONS OF NJ INC Health47025 VALUE BEHAVIORAL HLTH OF PA INC Health95799 VALUE OPTIONS OF TX INC Health

968 Group Name:Group Code: AXA INS GRP62944 AXA EQUITABLE LIFE INS CO Life78077 MONY LIFE INS CO OF AMER Life

© 2016 National Association of Insurance Commissioners 327

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Accident and Health Policy Experience Exhibit Group Index

1117 Group Name:Group Code: HARRIS INS HOLDINGS GRP61883 CENTRAL UNITED LIFE INS CO Life63053 FAMILY LIFE INS CO Life65870 MANHATTAN LIFE INS CO Life85189 WESTERN UNITED LIFE ASSUR CO Life

1126 Group Name:Group Code: MISSISSIPPI INS GRP60111 BCBS OF MS MUT INS CO Health68535 BLUEBONNET LIFE INS CO Life

1127 Group Name:Group Code: EMBLEM HLTH GRP11209 CONNECTICARE INS CO INC Health14913 CONNECTICARE BENEFITS INC Health55239 GROUP HLTH INC Health55247 HEALTH INS PLAN OF GREATER NY Health60094 HIP INS CO OF NY Health95299 CONNECTICARE OF MA INC Health95675 CONNECTICARE INC Health

1129 Group Name:Group Code: WHITE MOUNTAINS GRP27154 ATLANTIC SPECIALTY INS CO Property34452 HOMELAND INS CO OF NY Property38776 SIRIUS AMER INS CO Property68608 SYMETRA LIFE INS CO Life78417 FIRST SYMETRA NATL LIFE INS CO OF NY Life

1143 Group Name:Group Code: GEISINGER INS GRP10244 GEISINGER IND INS CO Health12743 GEISINGER QUALITY OPTIONS INC Health95923 GEISINGER HLTH PLAN Health

1183 Group Name:Group Code: SENTARA HLTH MGMT GRP70715 OPTIMA HLTH INS CO Health95281 OPTIMA HLTH PLAN Health

1184 Group Name:Group Code: ROCKY MOUNTAIN HLTH GRP47004 ROCKY MOUNTAIN HLTHCARE OPTIONS INC Health95482 ROCKY MOUNTAIN HMO INC Health

1185 Group Name:Group Code: GROUP HLTH COOP GRP47055 GROUP HLTH OPTIONS INC Health95672 GROUP HLTH COOP Health

1186 Group Name:Group Code: LIFETIME HLTHCARE GRP12967 MEDAMERICA INS CO OF FL Life55107 EXCELLUS HLTH PLAN INC Health69515 MEDAMERICA INS CO Life83437 MEDAMERICA INS CO OF NY Life

1189 Group Name:Group Code: VISION SERV PLAN GRP12516 VISION SERV PLAN OF IL NFP Health32395 VISION SERV PLAN INS CO Health39616 VISION SERV PLAN INS CO Health47029 EASTERN VISION SERV PLAN INC Health47093 MASSACHUSETTS VISION SERV PLAN Health47097 VISION SERV PLAN INC OK Health53031 VSP VISION CARE INC Health54380 VISION SERV PLAN Health

1192 Group Name:Group Code: CARLE HOLDING CO GRP15082 HEALTH ALLIANCE NW HLTH PLAN Health15478 HEALTH ALLIANCE CONNECT INC Health77950 HEALTH ALLIANCE MEDICAL PLANS Health95513 HEALTH ALLIANCE MIDWEST INC Health

© 2016 National Association of Insurance Commissioners 328

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Accident and Health Policy Experience Exhibit Group Index

1198 Group Name:Group Code: MVP GRP10135 MVP HLTH INS CO OF NH INC Health11125 MVP HLTH INS CO Health47062 MVP HLTH SERV CORP Health95521 MVP HLTH PLAN INC Health

1199 Group Name:Group Code: WELLCARE GRP10155 WELLCARE PRESCRIPTION INS INC Health10760 WELLCARE OF GA INC Health11229 HARMONY HLTH PLAN OF IL INC Health11775 WELLCARE OF SC INC Health12749 WELLCARE OF OH INC Health12913 MISSOURI CARE INC Health12964 WELLCARE OF TX INC Health13020 WELLCARE HLTH PLANS OF NJ INC Health15510 WELLCARE HLTH PLANS OF KY INC Health64467 WELLCARE HLTH INS OF KY INC Health83445 WELLCARE HLTH INS OF AZ INC Health95081 WELLCARE OF FL INC Health95310 WELLCARE OF CT INC Health

1202 Group Name:Group Code: BCBS OF NJ GRP11146 HORIZON HLTHCARE DENTAL INC Health14690 HORIZON INS CO Health55069 HORIZON HLTHCARE SERV INC Health95529 HORIZON HLTHCARE OF NJ INC Health

1203 Group Name:Group Code: COX INS GRP60040 COX HLTH SYSTEMS INS CO Health95530 COX HLTH SYSTEM HMO INC Health

1207 Group Name:Group Code: CAMBIA HEALTH SOLUTIONS INC47350 ASURIS NW HLTH Health53902 REGENCE BLUESHIELD Health54550 REGENCE BCBS OF UT Health54933 REGENCE BCBS OF OR Health60131 REGENCE BLUESHIELD OF ID INC Health95303 BRIDGESPAN HLTH CO Health

1211 Group Name:Group Code: NATIONAL GUARDIAN LIFE INS GRP66583 NATIONAL GUARDIAN LIFE INS CO Life97241 SETTLERS LIFE INS CO Life

1212 Group Name:Group Code: VANGUARD HLTH VENTURES GRP11518 PARAMOUNT INS CO Health12353 PARAMOUNT ADVANTAGE Health95189 PARAMOUNT HLTH CARE Health95566 PARAMOUNT CARE OF MI INC Health

1216 Group Name:Group Code: TIAA FAMILY GRP60142 TIAA CREF LIFE INS CO Life69345 TEACHERS INS & ANN ASSOC OF AMER Life

1230 Group Name:Group Code: CAPITAL BLUE CROSS GRP12358 AVALON INS CO Health14411 CAPITAL ADVANTAGE ASSUR CO Health41203 CAPITAL ADVANTAGE INS CO Health52040 DOMINION USA INC Health54720 CAPITAL BLUE CROSS Health95199 KEYSTONE HLTH PLAN CENTRAL INC Health95657 DOMINION DENTAL SERV INC Health

© 2016 National Association of Insurance Commissioners 329

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Accident and Health Policy Experience Exhibit Group Index

1238 Group Name:Group Code: TOTAL HLTH GRP12326 TOTAL HLTH CARE USA INC Health95644 TOTAL HLTH CARE INC Health

1246 Group Name:Group Code: SANFORD HLTH GRP52554 SANFORD HEART OF AMER HLTH PLAN Health95683 SANFORD HLTH PLAN Health95725 SANFORD HLTH PLAN OF MN Health

1258 Group Name:Group Code: HEALTHPARTNERS GRP44547 HEALTHPARTNERS INS CO Health52628 GROUP HLTH PLAN INC Health95766 HEALTHPARTNERS INC Health

1260 Group Name:Group Code: MAGELLAN HLTH INC GRP12632 MAGELLAN BEHAVIORAL HLTH OF NJ LLC Health14447 FLORIDA MHS INC Health15280 ALPHACARE OF NY INC Health18750 MERIT HLTH INS CO Health47019 MAGELLAN BEHAVIORAL HLTH OF PA INC Health97292 MAGELLAN LIFE INS CO Health

1278 Group Name:Group Code: CSAA INS GRP11681 CSAA AFFINITY INS CO Property15539 CSAA INS EXCH Property

1279 Group Name:Group Code: ARCH INS GRP11150 ARCH INS CO Property

1281 Group Name:Group Code: BANKAMERICA CORP GRP93521 GENERAL FIDELITY LIFE INS CO Life

1285 Group Name:Group Code: XL AMER GRP19518 CATLIN INS CO Property88080 XL LIFE INS & ANN CO Life

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 GRP60067 DEAN HLTH INS INC Health96156 DEAN HLTH PLAN INC Health

© 2016 National Association of Insurance Commissioners 330

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Accident and Health Policy Experience Exhibit Group Index

1295 Group Name:Group Code: CENTENE CORP GRP10769 FIDELIS SECURECARE OF MI INC Health11834 BUCKEYE COMM HLTH PLAN INC Health12315 PEACH STATE HLTH PLAN INC Health12559 TRILLIUM COMM HLTH PLAN INC Health12959 ABSOLUTE TOTAL CARE INC Health13148 SUNSHINE STATE HLTH PLAN INC Health13632 CELTICARE HLTH PLAN OF MA INC Health13923 MAGNOLIA HLTH PLAN INC Health13970 LOUISIANA HEALTHCARE CONNECTIONS INC Health14053 ILLINICARE HLTH PLAN INC Health14100 KENTUCKY SPIRIT HEALTH PLAN INC Health14218 HOME STATE HLTH PLAN INC Health14226 GRANITE STATE HLTH PLAN INC Health14345 SUNFLOWER STATE HLTH PLAN INC Health15352 COORDINATED CARE OF WA INC Health15762 AMBETTER OF MAGNOLIA INC Health71013 BANKERS RESERVE LIFE INS CO OF WI Health80799 CELTIC INS CO Health95647 SUPERIOR HLTHPLAN INC Health95831 COORDINATED CARE CORP Health96822 MANAGED HLTH SERV INS CORP Health

1297 Group Name:Group Code: HEALTH PLAN GRP60016 THP INS CO Health95677 THE HLTH PLAN THE UPPER OH VALLEY IN Health

1301 Group Name:Group Code: MEDICAL CARD SYSTEM INC GRP13022 MCS ADVANTAGE INC Health60030 MCS LIFE INS CO Life

1309 Group Name:Group Code: FRANKENMUTH GRP32069 PATRIOT INS CO Property

1311 Group Name:Group Code: HENRY FORD HLTH SYSTEM GRP60134 ALLIANCE HLTH & LIFE INS CO Health95814 HAP MIDWEST HLTH PLAN INC Health95844 HEALTH ALLIANCE PLAN OF MI Health

1313 Group Name:Group Code: OREGON DENTAL GRP18813 DENTISTS BENEFITS INS CO Property47098 MODA HLTH PLAN INC Health54941 DELTA DENTAL PLAN OF OR Health

1318 Group Name:Group Code: AUTO CLUB ENTERPRISES INS GRP66005 OHIO MOTORISTS LIFE INS CO Life

1324 Group Name:Group Code: UPMC HLTH SYSTEM GRP11018 UPMC HLTH BENEFITS INC Property11994 UPMC HLTH NTWRK INC Health11995 UPMC FOR YOU INC Health15345 UPMC HLTH OPTIONS INC Health15451 UPMC HLTH COVERAGE INC Health47024 COMMUNITY CARE BEHAVIORAL HLTH ORG Health95216 UPMC HLTH PLAN INC Health

1339 Group Name:Group Code: CROY HALL MGMT GRP82392 REGAL LIFE OF AMER INS CO Life82430 SOUTHWEST SERV LIFE INS CO Life

1348 Group Name:Group Code: STANCORP FIN GRP69019 STANDARD INS CO Life89009 STANDARD LIFE INS CO OF NY Life

© 2016 National Association of Insurance Commissioners 331

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Accident and Health Policy Experience Exhibit Group Index

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 Health15329 MOLINA HLTHCARE OF SC INC LLC Health15600 MOLINA HLTHCARE OF PR INC Health52630 MOLINA HLTHCARE OF MI Health95502 MOLINA HLTHCARE OF UT INC DBA AMFAM Health95739 MOLINA HLTHCARE OF NM Health96270 MOLINA HLTHCARE OF WA INC Health

1552 Group Name:Group Code: MEDICA GRP12459 MEDICA INS CO Health52626 MEDICA HLTH PLANS Health95232 MEDICA HLTH PLANS OF WI Health

1571 Group Name:Group Code: DELTA DENTAL OF RI GRP52632 ALTUS DENTAL INS CO INC Health55301 DELTA DENTAL OF RI Health

2358 Group Name:Group Code: ISMIE GRP68519 PHYSICIANS BENEFITS TRUST LIFE INS Life

2418 Group Name:Group Code: SAINT MARYS HLTH CARE CORP GRP11079 PROMINENCE PREFERRED HLTH INS CO Health15452 PROMINENCE HEALTHFIRST OF TX INC Health95793 PROMINENCE HEALTHFIRST Health

2479 Group Name:Group Code: DENTEGRA GRP11132 DELTA DENTAL OF DE INC Health11174 ALPHA DENTAL OF UT INC Health12210 DENTEGRA INS CO OF NEW ENGLAND Health12329 DELTA DENTAL OF W VA Health47085 DELTA DENTAL PLAN OF PR INC Health47092 ALPHA DENTAL OF NM INC Health54798 DELTA DENTAL OF PA Health55263 DELTA DENTAL OF NY Health73474 DENTEGRA INS CO Health81396 DELTA DENTAL INS CO Health95163 ALPHA DENTAL PROGRAMS INC Health95366 ALPHA DENTAL OF AZ INC Health95778 ALPHA DENTAL OF NV INC Health

2538 Group Name:Group Code: AMTRUST NGH GRP22772 INTEGON IND CORP Property29742 INTEGON NATL INS CO Property82538 NATIONAL HLTH INS CO Life

2678 Group Name:Group Code: NETWORK HLTH GRP15087 NETWORK HLTH INS CORP Health95737 NETWORK HLTH PLAN Health

2738 Group Name:Group Code: COMMUNITY FIRST GRP11143 COMMUNITY FIRST GRP HOSPITAL SERV CO Health95248 COMMUNITY FIRST HLTH PLANS INC Health

2798 Group Name:Group Code: BLUE SHIELD OF CA GRP61557 BLUE SHIELD OF CA LIFE & HLTH INS CO Life71331 CAREAMERICA LIFE INS CO Life

© 2016 National Association of Insurance Commissioners 332

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Accident and Health Policy Experience Exhibit Group Index

2838 Group Name:Group Code: CHE TRINITY INC GRP13123 MOUNT CARMEL HLTH INS CO Health95655 MOUNT CARMEL HLTH PLAN INC Health

2858 Group Name:Group Code: HOMESHIELD CAPITAL GRP99724 LIFESHIELD NATL INS CO Life

2878 Group Name:Group Code: UNITED HERITAGE MUT GRP63983 UNITED HERITAGE LIFE INS CO Life

2938 Group Name:Group Code: THRIVENT FINANCIAL FOR LUTHERANS56014 THRIVENT FINANCIAL FOR LUTHERANS Fraternal97721 THRIVENT LIFE INS CO Life

3098 Group Name:Group Code: TOKIO MARINE HOLDINGS INC GRP10367 AVEMCO INS CO Property11216 TOKIO MARINE PACIFIC INS LTD Property18058 PHILADELPHIA IND INS CO Property29599 US SPECIALTY INS CO Property41742 FIRST INS CO OF HI LTD Property42374 HOUSTON CAS CO Property66575 RELIANCE STANDARD LIFE INS CO OF TX Life68381 RELIANCE STANDARD LIFE INS CO Life71005 FIRST RELIANCE STANDARD LIFE INS CO Life92711 HCC LIFE INS CO Life

3259 Group Name:Group Code: SUMMA HLTH GRP10649 SUMMA INS CO INC Health95202 SUMMACARE INC Health

3383 Group Name:Group Code: SPECTRUM HLTH GRP11520 PRIORITY HLTH CHOICE INC Health12208 PRIORITY HLTH INS CO Health95561 PRIORITY HLTH Health

3384 Group Name:Group Code: KERNAN GRP30175 ORISKA INS CO Property

3408 Group Name:Group Code: PHYSICIANS HLTH PLAN OF MID MI GRP11537 SPARROW PHP Health12816 PHP INS CO Health95849 PHYSICIANS HLTH PLAN Health

3409 Group Name:Group Code: HEALTHPLUS OF MI GRP11549 HEALTHPLUS PARTNERS INC Health12826 HEALTHPLUS INS CO Health95580 HEALTHPLUS OF MI INC Health

3416 Group Name:Group Code: AXIS CAPITAL GRP37273 AXIS INS CO Property

3436 Group Name:Group Code: LIBERTY LIFE GRP TRUST GRP66001 AMERICAN BENEFIT LIFE INS CO 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

3487 Group Name:Group Code: COMMUNITYCARE GRP11691 COMMUNITYCARE HMO INC Health89008 COMMUNITYCARE LIFE & HLTH INS CO Health

© 2016 National Association of Insurance Commissioners 333

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Accident and Health Policy Experience Exhibit Group Index

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 Health84697 AMERICAN SPECIALTY HLTH INS CO Health

3503 Group Name:Group Code: WILLAMETTE DENTAL GRP47050 WILLAMETTE DENTAL OF WA INC Health52555 WILLAMETTE DENTAL INS INC Health95819 WILLAMETTE DENTAL OF ID INC Health

3527 Group Name:Group Code: AMERICAN ENTERPRISE MUT GRP31119 MEDICO INS CO Life60836 AMERICAN REPUBLIC INS CO Life65641 MEDICO LIFE & HLTH INS CO Life67679 AMERICAN REPUBLIC CORP INS CO Life79987 MEDICO CORP LIFE INS CO Life

3548 Group Name:Group Code: TRAVELERS GRP10213 DISCOVER SPECIALTY INS CO Property24767 ST PAUL FIRE & MARINE INS CO Property25658 TRAVELERS IND CO Property25674 TRAVELERS PROP CAS CO OF AMER Property25682 TRAVELERS IND CO OF CT Property36463 DISCOVER PROP & CAS INS CO Property

3549 Group Name:Group Code: FIRSTCARE GRP66117 SOUTHWEST LIFE & HLTH INS CO Health95138 SHA LLC Health

3569 Group Name:Group Code: CATERPILLAR GRP11255 CATERPILLAR INS CO Property

3593 Group Name:Group Code: USIC GRP11067 USIC LIFE INS CO Life

3595 Group Name:Group Code: MERCY HLTH CORP GRP12195 MERCYCARE HMO INC Health60215 MERCYCARE INS CO Health

3637 Group Name:Group Code: BCBS OF MA GRP12219 BCBS OF MA HMO BLUE INC Health53228 BCBS OF MA Health

3680 Group Name:Group Code: DELTA DENTAL PLAN OF MO GRP12278 ADVANTICA INS CO Health47035 ADVANTICA DENTAL BENEFITS INC Health55697 DELTA DENTAL OF MO Health

3683 Group Name:Group Code: CARESOURCE GRP10142 CARESOURCE IN Health15479 CARESOURCE KY 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

© 2016 National Association of Insurance Commissioners 334

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Accident and Health Policy Experience Exhibit Group Index

3849 Group Name:Group Code: DELTA DENTAL OF WI GRP54046 DELTA DENTAL PLAN OF WI INC Health

3891 Group Name:Group Code: GOLDMAN SACHS GRP69140 FIRST ALLMERICA FIN LIFE INS CO Life84824 COMMONWEALTH ANN & LIFE INS CO Life91642 FORETHOUGHT LIFE INS CO Life

4011 Group Name:Group Code: GENWORTH FIN GRP65536 GENWORTH LIFE & ANN INS CO Life70025 GENWORTH LIFE INS CO Life72990 GENWORTH LIFE INS CO OF NY Life

4213 Group Name:Group Code: WILTON RE GRP60704 WILTON REASSUR LIFE CO OF NY Life62413 WILCAC LIFE INS CO Life65900 WILCO LIFE INS CO Life69396 TEXAS LIFE INS CO Life

4254 Group Name:Group Code: THE WARRANTY GRP61506 RESOURCE LIFE INS CO Life

4277 Group Name:Group Code: TD FRIEDKIN GRP99465 SERVCO 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

4483 Group Name:Group Code: NESTLE SA GRP70939 GERBER LIFE INS CO Life

4506 Group Name:Group Code: DENTAL ECONOMICS GRP64696 FIRST CONTINENTAL LIFE & ACC Life

4509 Group Name:Group Code: IRONSHORE GRP23647 IRONSHORE IND INC Property

4512 Group Name:Group Code: DENTAQUEST GRP12307 DENTAQUEST USA INS CO INC Health15497 DSM MA INS CO INC Health52060 DENTAL SERV OF MA INC Health67636 DSM USA INS CO INC Health

4553 Group Name:Group Code: SAVINGS BANK LIFE GRP70435 THE SAVINGS BANK LIFE INS CO OF MA Life

4597 Group Name:Group Code: ESSENCE GRP11699 ESSENCE HLTHCARE INC Health

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 Health15584 MDWISE MARKETPLACE INC Health95807 MDWISE INC Health

4638 Group Name:Group Code: DELTA DENTAL OF KS GRP13175 SURENCY LIFE & HLTH INS CO Life54615 DELTA DENTAL PLAN OF KS INC Health

© 2016 National Association of Insurance Commissioners 335

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Accident and Health Policy Experience Exhibit Group Index

4639 Group Name:Group Code: RGA INC GRP93572 RGA REINS CO Life

4640 Group Name:Group Code: CAIDAN ENTERPRISES INC GRP13189 MERIDIAN HLTH PLAN OF IL INC Health14145 MERIDIAN HLTH PLAN OF IA INC Health52563 MERIDIAN HLTH PLAN OF MI INC Health

4667 Group Name:Group Code: CVS CAREMARK GRP12575 SILVERSCRIPT INS CO Health63444 ACCENDO INS CO Health67660 PENNSYLVANIA LIFE INS CO Health

4670 Group Name:Group Code: STARR GRP13604 STARR SURPLUS LINES INS CO Property38318 STARR IND & LIAB CO Property

4677 Group Name:Group Code: TENNESSEE RURAL HLTH GRP89005 TRH HLTH INS CO Health94587 MEMBERS HLTH INS CO Health

4692 Group Name:Group Code: LIBERTY DENTAL PLAN GRP13566 LIBERTY DENTAL PLAN OF NV INC Health14057 LIBERTY DENTAL PLAN OF MO INC Health

4696 Group Name:Group Code: VISION BENEFITS GRP13750 VISION BENEFITS OF AMER II INC Health53953 VISION BENEFITS OF AMER INC Health

4703 Group Name:Group Code: KENTUCKY NATL INS GRP60244 KENTUCKY HOME LIFE INS CO Life

4704 Group Name:Group Code: PACIFICSOURCE HLTH PLAN GRP12595 PACIFICSOURCE COMM HLTH PLANS Health54976 PACIFICSOURCE HLTH PLANS Health

4706 Group Name:Group Code: LOCKHART CO GRP17779 GUARDIAN INS CO INC Property

4708 Group Name:Group Code: CDPHP INC GRP47027 CDPHP UNIVERSAL BENEFITS INC Health95491 CAPITAL DISTRICT PHYSICIANS HLTHPLN Health

4712 Group Name:Group Code: GPM LIFE GRP63967 GOVERNMENT PERSONNEL MUT LIFE INS CO Life67059 NORTH COAST LIFE INS CO Life

4716 Group Name:Group Code: FORTRESS GRP41211 TRITON INS CO Property60518 AMERICAN HLTH & LIFE INS CO Life65951 MERIT LIFE INS CO Life

4718 Group Name:Group Code: TIPTREE FIN GRP10051 LYNDON SOUTHERN INS CO Property11162 INSURANCE CO OF THE SOUTH Property60242 SOUTHERN FINANCIAL LIFE INS CO Life61298 BANKERS LIFE OF LA Life97691 LIFE OF THE SOUTH INS CO Life

4719 Group Name:Group Code: AMFIRST HOLDINGS GRP60250 AMFIRST INS CO Health81442 MONITOR LIFE INS CO OF NY Life

4725 Group Name:Group Code: ENSTAR GRP93777 PAVONIA LIFE INS CO OF MI Life

© 2016 National Association of Insurance Commissioners 336

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Accident and Health Policy Experience Exhibit Group Index

4727 Group Name:Group Code: WARRIOR INVICTUS HOLDING CO GRP81108 UNITED SECURITY HLTH & CAS INS CO Property

4729 Group Name:Group Code: CORVESTA GRP55611 DELTA DENTAL OF VA Health78301 CORVESTA LIFE INS CO Life

4730 Group Name:Group Code: MCNA GRP14063 MCNA INS CO Health

4731 Group Name:Group Code: HARBINGER GRP63274 FIDELITY & GUAR LIFE INS CO Life

4732 Group Name:Group Code: MIDWEST HOLDING GRP61573 CAPITAL RESERVE LIFE INS CO Life67253 AMERICAN LIFE & SECURITY CORP Life

4734 Group Name:Group Code: ATHENE GRP61492 ATHENE ANNUITY & LIFE ASSUR CO Life61689 ATHENE ANN & LIFE CO Life63932 ATHENE LIFE INS CO OF NY Life68039 ATHENE ANN & LIFE ASSUR CO OF NY Life

4736 Group Name:Group Code: GGC GRP71455 FINANCIAL AMER LIFE INS CO Life

4740 Group Name:Group Code: HEALTH FIRST GRP14140 HEALTH FIRST INS INC Health95019 HEALTH FIRST HLTH PLANS INC Health

4741 Group Name:Group Code: FALLON GRP66828 FALLON HLTH & LIFE ASSUR CO Health95541 FALLON COMM HLTH PLAN INC Health

4742 Group Name:Group Code: TUFTS GRP14131 TUFTS HLTH PUBLIC PLANS INC 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

4751 Group Name:Group Code: GUNDERSEN LUTHERAN HLTH GRP14202 GUNDERSEN HLTH PLAN MN Health95101 GUNDERSEN HLTH PLAN INC Health

4752 Group Name:Group Code: FIRST TRINITY FIN GRP60227 TRINITY LIFE INS CO Life70742 FAMILY BENEFIT LIFE INS CO Life

© 2016 National Association of Insurance Commissioners 337

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Accident and Health Policy Experience Exhibit Group Index

4755 Group Name:Group Code: AMERICAS 1ST CHOICE GRP10119 FREEDOM HLTH INC Health12910 AMERICAS 1ST CHOICE HLTH PLANS INC Health13044 AMERICAS 1ST CHOICE INS CO OF NC INC Health15544 AMERICAS 1ST CHOICE OF SC INC Health

4756 Group Name:Group Code: BAYSTATE HLTH GRP14198 HNE INS CO Health15521 HNE OF CT INC Health95673 HEALTH NEW ENGLAND INC Health

4759 Group Name:Group Code: VANGUARD HLTH GRP10160 PHOENIX HLTH PLANS INC Health11081 HARBOR HLTH PLAN INC Health12346 ALLEGIAN INS CO Health

4763 Group Name:Group Code: NORTHEAST DELTA DENTAL GRP13646 RED TREE INS CO INC Health14369 MAINE DENTAL SERV CORP Health47079 DELTA DENTAL PLAN OF NH Health53279 DELTA DENTAL PLAN OF VT Health

4764 Group Name:Group Code: RESERVOIR CAPITAL GRP60176 SBLI USA LIFE INS CO INC Life60183 S USA LIFE INS CO INC Life68845 SHENANDOAH LIFE INS CO Life

4774 Group Name:Group Code: CLOISTER MUT & WINDSOR MOUNT JOY18007 CLOISTER MUT CAS INS CO Property

4778 Group Name:Group Code: HEALTHFIRST INC GRP95284 MANAGED HLTH INC Health

4781 Group Name:Group Code: COLORADO ACCESS GRP15106 NEW HLTH VENTURES INC Health95733 COLORADO ACCESS Health

4783 Group Name:Group Code: VANTAGE HLTH GRP95584 VANTAGE HLTH PLAN INC Health

4786 Group Name:Group Code: COMPASS COOPERATIVE GRP14676 MERITUS HLTH PARTNERS Health15092 MERITUS MUT HLTH PARTNERS Health

4788 Group Name:Group Code: PROVIDENCE HLTH GRP15203 PROVIDENCE HLTH ASSUR Health95005 PROVIDENCE HLTH PLAN Health

4791 Group Name:Group Code: RENOWN HLTH GRP48305 HOMETOWN HLTH PROVIDERS INS CO Health95350 HOMETOWN HLTH PLAN INC Health

4793 Group Name:Group Code: NORTH SHORE LIJ HLTH CARE GRP15309 NORTH SHORE LIJ CARECONNECT INS CO Health

4794 Group Name:Group Code: DELAWARE LIFE HOLDING GRP72664 DELAWARE LIFE INS CO OF NY Life

4796 Group Name:Group Code: NATIONAL TEACHERS ASSOC LIFE GROU15320 NTA LIFE INS CO OF NEW YORK Life87963 NATIONAL TEACHERS ASSOC LIFE INS CO Life

© 2016 National Association of Insurance Commissioners 338

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Accident and Health Policy Experience Exhibit Group Index

4802 Group Name:Group Code: TRIPLE S GRP11152 AMERICAN HLTH INC Health55816 TRIPLE S SALUD INC Health61158 TRIPLE S BLUE Life73814 TRIPLE S VIDA INC Life

4803 Group Name:Group Code: SHELTERPOINT GRP INC81434 SHELTERPOINT LIFE INS CO Life89958 SHELTERPOINT INS CO Life

4804 Group Name:Group Code: MULTINATIONAL GRP72087 MULTINATIONAL LIFE INS CO Life

4805 Group Name:Group Code: AULTMAN HLTH FOUNDATION GRP15461 AULTCARE HLTH INSURING CORP Health77216 AULTCARE INS CO Health

4807 Group Name:Group Code: CATHOLIC HLTH INITIATIVES GRP12909 SOUNDPATH HLTH Health15486 RIVERLINK HLTH OF KY INC Health15487 STABLEVIEW HLTH INC Health15488 HEARTLANDPLAINS HLTH Health15493 CLEARRIVER HLTH Health15499 RIVERLINK HLTH Health95448 QCA HLTH PLAN INC Health

4808 Group Name:Group Code: MEMORIAL HERMANN GRP10076 MEMORIAL HERMANN HLTH INS CO Health15489 MEMORIAL HERMANN HLTH PLAN INC Health

4811 Group Name:Group Code: MEDICAL ASSOCIATES GRP52559 MEDICAL ASSOC HLTH PLAN INC Health95782 MEDICAL ASSOC CLINIC HLTH PLAN OF WI Health

4813 Group Name:Group Code: EXPRESS SCRIPTS HOLDING GRP34720 MEDCO CONTAINMENT INS CO OF NY Health63762 MEDCO CONTAINMENT LIFE INS CO Health

4815 Group Name:Group Code: RESOLUTION LIFE GRP65595 LINCOLN BENEFIT LIFE CO Life

4816 Group Name:Group Code: PREMIER HLTH PARTNERS GRP15484 PREMIER HLTH PLAN INC Health15530 PREMIER HLTH INSURING CORP Health

4818 Group Name:Group Code: MULBERRY HLTH GRP15281 OSCAR INS CORP Health15585 OSCAR INS CORP OF NJ Health

4819 Group Name:Group Code: PREFERRED INS GRP14080 PREFERRED INS SERV INC Health15595 PREFERRED INS AFFIL INC Health

4821 Group Name:Group Code: GLOBALHEALTH HOLDINGS GRP11709 GENERATIONS HLTHCARE INC Health13667 GLOBALHEALTH INC Health

4822 Group Name:Group Code: SENIORDENT GRP13211 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

© 2016 National Association of Insurance Commissioners 339

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Accident and Health Policy Experience Exhibit Group Index

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 Life84786 COLORADO BANKERS LIFE INS CO Life

4831 Group Name:Group Code: HEALTHSPAN PARTNERS GRP15284 HEALTHSPAN INC Health95204 HEALTHSPAN INTEGRATED CARE Health

4832 Group Name:Group Code: VOYA FINANCIAL GRP61360 RELIASTAR LIFE INS CO OF NY Life66109 MIDWESTERN UNITED LIFE INS CO Life67105 RELIASTAR LIFE INS CO Life68713 SECURITY LIFE OF DENVER INS CO Life80942 VOYA INS & ANN CO Life86509 VOYA RETIREMENT INS & ANN CO Life

4833 Group Name:Group Code: AHF GRP12973 AIDS HLTHCARE FOUND MCO OF FL INC Health

4835 Group Name:Group Code: KILPATRICK LIFE GRP74918 KILPATRICK LIFE INS CO Life

4836 Group Name:Group Code: JEFFERSON NATIONAL GRP64017 JEFFERSON NATL LIFE INS CO Life

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 GRP95811 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 Health

4847 Group Name:Group Code: CRYSTAL RUN HLTH GRP15677 CRYSTAL RUN HLTH INS CO INC Health15797 CRYSTAL RUN HEALTH PLAN LLC Health

4848 Group Name:Group Code: MARTINS POINT GRP12545 MARTINS POINT GENERATIONS LLC Health

4852 Group Name:Group Code: HC2 HOLDINGS GRP63479 UNITED TEACHER ASSOC INS CO Life71404 CONTINENTAL GEN INS CO Life

© 2016 National Association of Insurance Commissioners 340

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Accident and Health Policy Experience Report for

Individual Company Index

Fraternal56499 ASSURED LIFE ASSN56030 CATHOLIC FINANCIAL LIFE57770 CATHOLIC HOLY FAMILY SOCIETY57487 CATHOLIC ORDER OF FORESTERS56634 CROATIAN FRATERNAL UNION OF AMER56138 CSA FRATERNAL LIFE56049 EMPLOYES MUT BENEFIT ASSN56154 GLEANER LIFE INS SOCIETY56693 GREEK CATHOLIC UNION OF THE USA58068 INDEPENDENT ORDER OF FORESTERS US BR58033 KNIGHTS OF COLUMBUS56227 KSKJ LIFE AMER SLOVENIAN CATHOLIC UN56758 LOYAL CHRISTIAN BENEFIT ASSN57541 MODERN WOODMEN OF AMER56073 NATIONAL MUT BENEFIT56383 ORDER OF UNITED COMMERCIAL TRAVELERS58009 POLICE & FIREMENS INS ASSN56820 POLISH FALCONS OF AMER57657 ROYAL NEIGHBORS OF AMER57673 SLOVENE NATL BENEFIT SOCIETY57142 SONS OF NORWAY57436 SPJST56006 TRAVELERS PROTECTIVE ASSN OF AMER57215 UKRAINIAN NATL ASSN INC56456 UNITED STATES LETTER CARRIERS MUT BE56413 UNITED TRANSPORTATION UNION INS ASSN57711 WESTERN CATHOLIC UNION57320 WOODMEN WORLD LIFE INS SOC

Health52568 ADVANTAGE HLTH SOLUTIONS INC15146 ADVICARE CORP12253 ALLCARE HLTH PLAN INC11256 ALLIANT HLTH PLANS INC95853 ALOHA CARE15135 ARKANSAS SUPERIOR SELECT INC95691 ATHENS AREA HLTH PLAN SELECT INC11217 ATLANTIC SOUTHERN DENTAL FOUND10123 ATRIO HLTH PLANS INC95839 AVERA HLTH PLANS INC11163 AVESIS INS INC95263 AVMED INC95071 BAPTIST HLTH PLAN INC53589 BCBS OF AZ INC54631 BCBS OF NC INC77780 BCBS OF NE53473 BCBS OF RI53767 BCBS OF WY13203 BOSTON MEDICAL CENTER HLTH PLAN INC81647 BUPA INS CO15143 CARE 1ST HEALTH PLAN13151 CARE N CARE INS CO INC12248 CARE WI HLTH PLAN INC13628 CARILION CLINIC MEDICARE RESOURCES L13739 CHILDRENS COMM HLTH PLAN INC

© 2016 National Association of Insurance Commissioners 341

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Accident and Health Policy Experience Exhibit Company Index

Health55875 COLORADO DENTAL SERV INC15126 COLORADO HLTH INS COOP INC47047 COLUMBIA UNITED PROVIDERS INC15061 COMMON GROUND HLTHCARE COOP10756 COMMUNITY CARE HLTH PLAN INC15144 COMMUNITY HLTH ALLIANCE MUT INS CO95615 COMMUNITY HLTH CHOICE INC47049 COMMUNITY HLTH PLAN OF WA15238 COMPREHENSIVE MOBILE INS AZ INC15360 COMPREHENSIVE MOBILE PLAN UT INC15314 COORDINATED HLTH MUT INC12858 CRESTPOINT HLTH INS CO95748 DC CHARTERED HLTH PLAN INC55034 DELTA DENTAL OF MN53937 DELTA DENTAL OF OK47341 DELTA DENTAL OF WA47155 DELTA DENTAL PLAN OF AR INC47791 DELTA DENTAL PLAN OF ID INC15200 DELTA DENTAL PLAN OF WY47074 DENTA CHEK OF MD INC96265 DENTAL CARE PLUS INC11195 DENTAL DELIVERY SYSTEMS INC47490 DENTAL HLTH SERV12213 DENTAL PRACTICE ASSN OF NJ INC47112 DENTCARE DELIVERY SYSTEMS INC95750 DENVER HLTH MEDICAL PLAN INC95809 DRISCOLL CHILDRENS HLTH PLAN52635 EL PASO FIRST HLTH PLANS INC95662 ELDERPLAN INC53090 EMPLOYERS DENTAL SERV12747 ENVISION INS CO15090 EVERGREEN HLTH COOP INC47084 FAMILYCARE HLTH PLANS INC28231 FIDELIO INS CO47051 FIRST COMM HLTH PLAN INC12962 FIRSTCAROLINACARE INS CO INC15634 FLORIDA HLTH SOLUTION HMO CO15197 FREELANCERS CONSUMER OPERATED & ORIE13564 FREELANCERS INS CO INC11113 GOLDEN DENTAL PLANS INC95453 GRAND VALLEY HLTH PLAN INC95192 GROUP HLTH COOP OF EAU CLAIRE95311 GROUP HLTH COOP OF S CENTRAL WI49948 HAWAII MEDICAL SERV ASSN48330 HAWAII MGMT ALLIANCE ASSN15081 HEALTH CHOICE INS CO14481 HEALTH CHOICE UTAH INC13992 HEALTH INS CO OF AMER INC55204 HEALTH NOW NY INC95066 HEALTH PARTNERS PLANS INC12277 HEALTH PLAN OF CAREOREGON INC15114 HEALTH REPUBLIC INS CO96687 HEALTH RESOURCES INC10122 HEALTH SUN HLTH PLANS96628 HEALTH TRADITION HLTH PLAN13035 HEALTHFIRST HEALTHPLAN OF NJ INC95827 HEALTHY PALM BEACHES INC15046 HEALTHYCT INC

© 2016 National Association of Insurance Commissioners 342

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Accident and Health Policy Experience Exhibit Company Index

Health11204 HERITAGE VISION PLANS INC27952 HOOSIER MOTOR MUT INS CO95308 INDEPENDENT HLTH ASSN47034 INDEPENDENT HLTH BENEFITS CORP10153 INTOTAL HLTH LLC12827 KS PLAN ADMINISTRATORS LLC15102 LAND OF LINCOLN MUT HLTH INS CO66753 LIBERTY UNION LIFE ASSUR CO95808 LOVELACE SANDIA HLTH SYSTEMS INC15077 MAINE COMM HLTH OPTIONS95982 MEDISUN INC12527 MID VALLEY IPA EMPLOYEE BENEFIT TRUS15010 MINUTEMAN HLTH INC14933 MONTANA HLTH COOPERATIVE12844 NATIONAL DENTAL CARE INC11109 NEIGHBORHOOD HLTH PLAN INC95402 NEIGHBORHOOD HLTH PLAN OF RI INC13813 NEVADA DENTAL BENEFITS LTD15011 NEW MEXICO HLTH CONNECTIONS95829 NEW W HLTH SERV15094 NEXDENT DENTAL PLANS INC55891 NORIDIAN MUT INS CO12284 OKLAHOMA SUPERIOR SELECT INC12533 OPTICARE OF UT15095 OREGONS HLTH COOP11068 ORTHONET OF THE MID ATLANTIC INC95414 PARKLAND COMM HLTH PLAN INC13607 PEOPLES HLTH INC95341 PHYSICIANS PLUS INS CORP15009 PIEDMONT WELLSTAR HLTH PLANS INC12619 PIONEER EDUCATORS HLTH TRUST13208 PRE PAID DENTAL SERV INC95271 PREFERRED MEDICAL PLAN INC95224 PREMIER CHOICE DENTAL INC55271 PUPIL BENEFITS PLAN INC95743 RYDER HLTH PLAN INC12257 SAMARITAN HLTH PLANS INC12279 SCAN HLTH PLAN AZ96881 SECURITY HLTH PLAN OF WI INC14151 SENDERO HLTH PLANS INC12776 SENIOR WHOLE HLTH OF NY INC95240 SETON HLTH PLAN INC12341 SOLSTICE BENEFITS INC13971 SOLSTICE HEALTH INS CO96598 SOUTH DAKOTA STATE MED HOLDING CO84549 SYMPHONIX HLTH INS INC11093 TAKECARE INS CO INC95329 TEXAS CHILDRENS HLTH PLAN INC12239 TIMBER PRODUCTS MANUFACTURERS TRUST12970 TOUCHSTONE HLTH HMO INC12834 TRILOGY HLTH INS INC14225 TRUSTED HLTH PLAN DC INC14243 ULTIMATE HLTH PLANS INC95796 UNITY HLTH PLANS INS CORP47953 UNIVERSITY HLTH ALLIANCE52621 UNIVERSITY HLTH CARE INC52615 UPPER PENINSULA HLTH PLAN LLC97772 US HLTH & LIFE INS CO INC

© 2016 National Association of Insurance Commissioners 343

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Accident and Health Policy Experience Exhibit Company Index

Health95764 UTMB HLTH PLANS INC95322 VIVA HLTH INC12867 VOLUNTARY EMPLOYEES BENEFIT ASSN OF12339 WESTERN GROCERS EMPLOYEE BENEFIT TRU95401 WINHEALTH PARTNERS15578 ZOOMCARE HLTH PLAN INC

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 CO81418 AMERICAN MEDICAL & LIFE INS CO86118 ARKANSAS BANKERS LIFE INS CO87882 ASSOCIATED MUT71439 ASSURITY LIFE INS CO61212 BALTIMORE LIFE INS CO90638 BEST LIFE & HLTH INS CO63886 BEST MERIDIAN INS CO83968 CITIZENS FIDELITY INS CO61921 CITIZENS SECURITY LIFE INS CO81426 COMMERCIAL TRAVELERS MUT INS CO79715 COOPERATIVA DE SEGUROS DE VIDA89003 DESTINY HLTH INS CO62928 EMC NATL LIFE CO62952 EQUITABLE LIFE & CAS INS CO63223 FEDERAL LIFE INS CO63290 FIDELITY LIFE ASSN A LEGAL RESERVE L74233 FIRST NATL LIFE INS CO OF USA63495 FORESTERS LIFE INS ANN CO83992 FOUNDATION LIFE INS CO OF AR64238 GUARANTY INCOME LIFE INS CO66214 HEARTLAND NATL LIFE INS CO64394 HERITAGE LIFE INS CO64580 ILLINOIS MUT LIFE INS CO81779 INDIVIDUAL ASSUR CO LIFE HLTH & ACC64904 INVESTORS HERITAGE LIFE INS CO94790 JEFFERSON LIFE INS CO74799 LEADERS LIFE INS CO85677 LIFE ASSUR CO INC65412 LIFE INS CO OF AL75094 LIFE INS CO OF LA65927 LINCOLN HERITAGE LIFE INS CO61018 MAGNA INS CO87394 MARQUETTE IND & LIFE INS CO74322 MEDICAL BENEFITS MUT LIFE INS CO80020 MOUNTAIN LIFE INS CO88668 MUTUAL OF AMER LIFE INS CO86959 NATIONAL FAMILY CARE LIFE INS CO66850 NATIONAL WESTERN LIFE INS CO60246 NETCARE LIFE & HLTH INS CO81264 NIPPON LIFE INS CO OF AMER67032 NORTH CAROLINA MUT LIFE INS CO67326 OLD SURETY LIFE INS CO67393 OZARK NATL LIFE INS CO

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Accident and Health Policy Experience Exhibit Company Index

Life64343 PACIFIC GUARDIAN LIFE INS CO LTD68551 ROYAL STATE NATL INS CO LTD60445 SAGICOR LIFE INS CO68772 SECURITY MUT LIFE INS CO OF NY76325 SENIOR HLTH INS CO OF PA78662 SENIOR LIFE INS CO68896 SOUTHERN FARM BUREAU LIFE INS CO71706 STANDARD LIFE & CAS INS CO68985 STARMOUNT LIFE INS CO69132 STATE MUT INS CO89184 STERLING INVESTORS LIFE INS CO69329 SURETY LIFE & CAS INS CO69310 SURETY LIFE INS CO99538 SWBC LIFE INS CO69353 TEACHERS PROTECTIVE MUT LIFE INS CO77674 TOWN & COUNTRY LIFE INS CO69523 TRANS OCEANIC LIFE INS CO11121 UNIFIED LIFE INS CO42129 UNITED SECURITY ASSUR CO OF PA70122 UNIVERSAL FIDELITY LIFE INS CO70130 UNIVERSAL GUAR LIFE INS CO14165 US ALLIANCE LIFE & SECURITY CO72273 WEA INS CORP68420 WMI MUT INS CO

Property11711 ACCESS INS CO13293 AMALGAMATED CAS INS CO27928 AMEX ASSUR CO37540 BEAZLEY INS CO INC41394 BENCHMARK INS CO34568 CENTENNIAL CAS CO10642 CHEROKEE INS CO10974 CLUB INS CO35483 DAILY UNDERWRITERS OF AMER10922 INSUREMAX INS CO26778 INTEGRAND ASSUR CO31658 ISLAND HOME INS CO30155 NATIONAL INS CO OF WI INS12471 RETAILERS INS CO23132 RVI AMER INS CO32727 UNDERWRITERS AT LLOYDS15642 UNDERWRITERS AT LLOYD'S LONDON

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Page 353: 2015 Accident and Health Policy Experience Report · Accounting & Reporting Information about statutory accounting principles and the procedures necessary for fi ling fi nancial
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The National Association of Insurance Commissioners (NAIC) is the U.S. standard-setting and regulatory supportorganization created and governed by the chief insuranceregulators from the 50 states, the District of Columbia and fiveU.S. territories. Through the NAIC, state insurance regulatorsestablish standards and best practices, conduct peer review,and coordinate their regulatory oversight. NAIC staff supportsthese efforts and represents the collective views of stateregulators domestically and internationally. NAIC members,together with the central resources of the NAIC, form thenational system of state-based insurance regulation in the U.S.

For more information, visit www.naic.org.