Medical Loss Ratio Financial Data
Insurance companies collect premiums, then spend that money on three things: paying for healthcare, making improvements to quality, and keeping the lights on with administrative costs. This data shows exactly how much insurers spent on each category, year by year, broken down by market type (individuals buying their own coverage, small businesses, and large employers). The government requires a minimum split, so insurers have to spend enough on actual healthcare. This dataset is the receipts that prove they're doing it.
- Source rows:
- 1,372,400
- Coverage:
- 2019-01-01T00:00:00Z – 2024-12-31T00:00:00Z
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Questions this data answers
- How much of insurance premiums go to healthcare claims versus administrative costs each year?
- Do insurers in different market segments (individual vs. large group) have different spending patterns?
- Is the industry meeting the ACA's minimum medical loss ratio requirements?
- How have insurer expenses changed from 2019 to 2024?
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Columns
7 columns in this table.