Learn how to calculate the combined ratio for insurance companies, including financial and trade basis methods, using loss and expense ratios for profitability analysis.

Adam Hayes, Ph.D., CFA, is a financial writer with 15+ years Wall Street experience as a derivatives trader. Besides his extensive derivative trading expertise, Adam is an expert in economics and ...

Health care regulations in the United States were not designed to keep Americans healthy. The best example of this is what’s known as the medical loss ratio (MLR). This federal requirement establishes ...

Payers ranked 2025 medical loss ratios show Centene leads with 91.9%, reflecting rising costs in Medicaid and Medicare plans.

Oscar Health's fourth-quarter loss widened as the health insurer continued to struggle with high utilization of medical services by plan enrollees. The health insurer, which focuses on individuals and ...

Health insurance consumers received roughly $1.5 billion in insurer rebates and cost savings last year though the health reform law’s medical loss ratio, but many health insurers boosted their own ...

A ratio used to measure an insurer’s ability to cover the cost claims made and other expenses with the premiums it has received. It is calculated by adding together the total amount of claims paid out ...

People don’t like uncertainty. In times of change, however, the unknown dominates the landscape. For health insurance brokers, the new health care reform legislation has created uncertainty of ...

Arch Capital Group Ltd., the Bermuda-based insurer and reinsurer, has reported a 32.3% year-on-year rise in underwriting ...