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Impact of Medical Loss Regulation on the Financial Performance of Health Insurers
The Commonwealth Fund Link to more items from this source
Sept. 10, 2013
"Changes in financial performance were most apparent in the individual market, where the median medical loss ratio increased by 5.5 percentage points from 2010 to 2011. The median administrative cost ratio declined by 2.6 percentage points, and the median operating margin declined by 1.3 percentage points.... In the individual market, operating margins declined from 1.2 percent in 2010 to near the break-even point in 2011. But in the small- and large-group markets, median operating margins in 2011 were 3.6 percent and 1.8 percent, respectively -- similar to those in 2010."

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