Performance of Private Health Insurers in the Commercial Market

Research output: Chapter in Book/Report/Conference proceedingChapter


This article examines the performance of private insurers operating in the individual and employer group markets in the United States. Premiums charged by health insurers reflect expected claims as well as administrative expenses and profits. Empirical evidence suggests notable differences in insurer performance between the individual and group markets. Studies also suggest that insurer performance varies by insurance market structure and the regulatory environment in which firms operate.

Original languageEnglish (US)
Title of host publicationEncyclopedia of Health Economics
Number of pages5
ISBN (Electronic)9780123756787
ISBN (Print)9780123756794
StatePublished - Jan 1 2014


  • Administrative costs
  • Administrative expenses
  • Health insurance
  • Insurance market
  • Insurers
  • Loading fees
  • Medical loss ratio
  • Performance
  • Premiums
  • Private insurance


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