Kaiser Family Foundation February 28, 2023
Jared Ortaliza, Krutika Amin, Cynthia Cox, Jeannie Fuglesten Biniek, Tricia Neuman, Robin Rudowitz

The COVID pandemic has disrupted longstanding trends in health spending, utilization, and employment, and created challenges for insurers to accurately predict their costs and set premiums. In the early months of 2020, use of health services dropped sharply, as elective procedures were canceled, and many people delayed or went without care due to concerns of contracting COVID. Utilization has since rebounded, but there are indications that non-COVID care remains below pre-pandemic levels.

In this brief, we examine how insurance markets performed in 2021, the most recent year with annual data. We use financial data reported by insurance companies to the National Association of Insurance Commissioners (NAIC) and compiled by Mark Farrah Associates to look at medical loss ratios and gross...

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