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Impact of medical loss regulation on the financial performance of health insurers

from The Commonwealth Fund

For-profit insurers operating in the individual health insurance market increased their spending on medical claims and quality improvement, reduced premiums, or both, resulting in a significant rise in the median "medical loss ratio" — a measure of spending on care and quality improvement relative to premiums earned — from 2010 to 2011. Other changes in the financial performance of both for-profit and nonprofit insurers in the individual, small- and large-group markets were less notable. more

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