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(Click for frequent words.) 82 insurance premiums 76 Premiums 71 insurance 70 insurers 66 deductibles 62 Deductibles 62 insurer 61 nongroup 61 Insurers 60 deductible 59 policyholders 58 insured 57 coinsurance 57 THB# #mn 57 deductibles copays 57 MXN# #mn 56 policyholder 56 Medigap policies 56 deductibles copayments 56 Insurance 56 policyholder surplus 56 premiums deductibles 56 Medicare Advantage 55 deductable 55 reinsurance 55 HDHPs 55 FAIR Plan 55 lifetime maximums 55 pocket maximums 55 annuities 55 windstorm deductibles 54 HMO 54 policyholder dividends 54 reinsurers 54 written NPW 54 uninsured 54 copayments deductibles 54 Earned premiums 54 copays deductibles 54 Medicare Supplement 53 EUR1 #mn 53 CNY# #mn 53 actuarially sound 53 Insurance Premiums 53 copays 53 Professional Liability PL 53 CMTPL 53 preexisting conditions 53 PLN# #mn 53 malpractice premiums 53 ISMIE 53 workers comp 53 Copays 53 covering elective abortions 53 ceding commissions 53 HDHP 53 Critical Illness 52 insurnace 52 overinsured 52 Medigap 52 subsidized COBRA 52 CDHPs 52 mediclaim 52 nonparticipating providers 52 NYSHIP 52 premium GWP 52 HSAs 52 Hiscox Bermuda 52 copayments 52 Reinsurance Assumed 52 HMOs 52 uninsured underinsured motorist 52 BOLI COLI 52 ratio MLR 52 uninsureds 52 deductibles coinsurance 52 copayment 51 Persistency 51 indexed annuity 51 surance 51 annuity 51 FEHBP enrollees 51 nonadmitted 51 insureds 51 self insured retentions 51 premiums GWP 51 premiums copays 51 medically underwritten 51 reinsuring 51 HSA enrollees 51 casualty insurance 51 premium 51 MLRs 51 MediGap 51 RRGs 51 IBNR 51 copayments coinsurance 51 medigap 51 Variable annuity 51 malpractice insurance 50 -NYSE Euronext NYSE Euronext 50 premia 50 reinsurance reinstatement 50 FEHB 50 inforce 50 MAIF 50 fixed annuities 50 AccessTN 50 inforce premium 50 Mcare 50 underinsured motorist coverage 50 FEGLI 50 Unfunded Liability 50 mediclaim policies 50 indemnity 50 nonlife insurance 50 de tariffed 50 Medicare Advantage PFFS 50 PPOs 50 actuarially 50 nsurance 50 Gross Written Premiums 50 underwriting 50 FEHBP 50 Karen Pollitz 50 High Deductible 50 CDHP 50 Assigned Risk 50 Superintendent Alessandro Iuppa 49 DirigoChoice 49 Deductible 49 Medicare Advantage membership 49 Medicare Advantage premiums 49 AHPs 49 Ulips 49 VGLI 49 young invincibles 49 MYR# #mn 49 Personal Injury Protection 49 Ulip 49 LTCi 49 workmen comp 49 commercial multiperil 49 UM UIM coverage 49 PPO HMO 49 PEEHIP 49 Medicare 49 deductible coinsurance 49 persistency 49 copay 49 nonstandard automobile 48 Coverage EPIC 48 reinsurance recoverables 48 Slome notes 48 Gentle EVER 48 workers' compensation 48 HealthChoice 48 Reinsurance recoverables 48 uninsured motorist 48 COBRA premiums 48 uninsurance 48 HMO PPO 48 MGUs 48 Malpractice premiums 48 Medigap supplemental insurance 48 ULIPs 48 HSA HDHP 48 variable annuity 48 Plan HDHP 48 Fixed annuity 48 Plan OHIP 48 EI premiums 48 Coverages 48 indexed annuities 48 Stephan Christiansen 48 Sallie Hillmon 48 Insurer 48 Employers Liability Compulsory 48 reinsure 48 PVNBP 48 Medicare Advantage Plans 48 professional indemnity 48 insur ance 48 lapsation 48 Uninsured Motorist 48 Policyholders 48 Revenues Premiums 48 Social Security COLA 48 HSA compatible 48 Eileen Mallow 47 keyman insurance 47 grossly underinsured 47 Cigna 47 Limra 47 insurace 47 casualty insurer 47 variable annuities 47 nonlife premiums 47 deferred annuity 47 Balboa Reinsurance 47 premiums deductibles copays 47 healthinsurance 47 Reinsurance 47 ARS# #mn 47 payouts 47 Medicare reimbursements 47 Earned Premiums 47 Workers Compensation Insurance 47 actuarially equivalent 47 Disability Insurance 47 allowable copays 47 HEALTH INSURANCE Individuals 47 Janashree Bima Yojana 47 consultant Robert Laszewski 47 Preferred Provider Organizations 47 casualty reinsurance 47 Anthem BlueCross BlueShield 47 rescissions 47 UPCIC 47 sleepwear infants 47 insurable 47 Van Ribbink 47 Critical Illness Cover 47 noncovered 47 Assurant Health 47 nonworking spouses 47 CastlePoint Re 47 Premiums Written 47 mini med 47 Medicaid 47 Ceded premiums 47 Employer Sponsored Health 47 Unearned Premiums 47 Mediclaim 47 uncompensated care 47 Jeevan Aastha 47 noninsured 47 ULIP 47 insurances 47 Medicare HMOs 47 IBNR reserves 47 catastrophe reinsurance reinstatement 46 Fixed annuities 46 unsubsidized COBRA 46 MedicareAdvantage 46 INSURANCE 46 Reinsurers 46 MinnesotaCare 46 Medicare HMO 46 Liability Insurance 46 Coinsurance 46 Plans ULIPs 46 insurees 46 Maintenance Organizations 46 PFFS plans 46 Annuities 46 Insurance Underwriting 46 TPFT 46 Loss Ratio 46 reinsures 46 Rosanne Placey spokeswoman 46 Specialty Lines 46 Andy Goldby 46 BlueChoice 46 preexisting condition 46 Medishield 46 Ceded premiums written 46 Allstate Floridian Indemnity 46 Catastrophe losses 46 inforce premiums 46 Uninsured 46 noninsurance 46 GSPHMO 46 WellPoint UnitedHealth 46 actuaries 46 HSAs HRAs 46 recoverables 46 Julie Rochman spokeswoman 46 casualty insurers 46 actuarial 46 Conning Research 46 Medicare beneficiaries 46 Insurance VPI 46 Berkshire Hathaway Reinsurance 46 PFFS 46 reimbursements 46 Health Reimbursement Account 46 PMPM basis 46 BlueOptions 46 NYPIUA 46 nonrenewed 46 FHCF 46 enrollees 46 detariffed 46 WEA Trust 46 ANICO 46 Casualty Insurance 46 Long Term Disability 45 Secure Horizons 45 ULIPS 45 Indexed annuities 45 Variable Universal 45 uninsured Coloradans 45 eHealthInsurance.com 45 Piecemeal reform 45 Stakeholder pensions 45 BadgerCare Plus 45 Tricare 45 actuarially sound rates 45 PHP# #mn 45 UM UIM 45 GMDB 45 professional indemnity PI 45 Maximum Rollover 45 premiums ceded 45 Underinsured Motorist 45 multiperil 45 Workers comp 45 reinsurance treaties 45 detariffed regime 45 HUF# #mn 45 supplemental Medigap 45 Variable Annuities 45 Uninsured motorist 45 reimbursement arrangements HRAs 45 PMPM 45 Program FEHBP 45 BrickStreet 45 nonelderly 45 nonhospital providers 45 COBRA continuation 45 ineligible dependents 45 insure 45 pensions 45 Michigan Catastrophic Claims 45 Retirement Accounts 45 MESSA 45 reinsurer 45 Dirigo Choice 45 Minnetonka Minn. insurer 45 COLI BOLI 45 Iffco Tokio 45 guaranty associations 45 actuarially justified 45 SGD# #mn 45 insuring 45 Whit Cornman spokesman 45 medically uninsurable 45 BlueCare 45 Californians foretells skyrocketing 45 Medicare recipients 45 Kristin Milam 45 Jesse Slome executive 45 Umbrella Liability 45 Calderon Cedillo 45 Medicare enrollees 45 incomes 45 payroll withholdings 45 spokeswoman Rosanne Placey 45 accounts HSAs 45 workman compensation insurance 45 uninsurables 45 PPOs HMOs 45 Van Faasen 45 Equity indexed annuities 45 FICA taxes 45 PEIA 45 actuarial soundness 45 Ambac Assurance Corp 45 Professional Liability Insurance 45 Aetna HealthFund 45 Workers Comp 45 Property Casualty 45 equity indexed annuity 44 WellPoint Anthem parent 44 Mr Makove 44 Conseco Insurance 44 nonsubsidized 44 INSURANCE MANDATE Almost 44 HMOs PPOs 44 Operating Percentages 44 outwards reinsurance 44 Unitrin Direct segment 44 Medicare Advantage enrollees 44 disciplined underwriting 44 HumanaOne 44 guaranty reinsurance 44 Byron Udell founder 44 Multi Peril 44 Gerling Global 44 catastrophe reinsurance 44 MediShield 44 contributions NICs 44 PRAs 44 Variable annuity sales 44 HMO POS 44 WellPoint Anthem 44 COE quota 44 Medicaid enrollees 44 Employer Sponsored 44 PPO 44 underinsured motorist 44 unfunded accrued 44 Lotane 44 Gross Premiums Written 44 recoupments 44 WAEPA 44 FX McCahill 44 nonadmitted insurance 44 COBRA coverage 44 Health Savings Accounts 44 Mbask 44 JUA 44 Automobile Insurance 44 Fronstin 44 Flexible Spending Accounts 44 stakeholder pensions 44 capitated 44 reversionary bonus 44 across theboard 44 Personal Lines 44 nonretirement accounts 44 skyrocketing malpractice 44 Medicare Advantage MLR 44 MCCSR ratio 44 MPSERS 44 UnitedHealthcare 44 Crop Hail 44 Assumed premiums 44 Allstate Floridian 44 Bodily Injury 44 Joint Underwriting 44 travelinsurance.co.uk offers convenient 44 FIGA assessment 44 ProMutual 44 Holdings AMEX UVE 44 Variable Annuity 44 QBE 44 Surplus Lines 44 PruProtect 44 CastlePoint Insurance 44 Aegon Religare 44 Jeevan Varsha 44 costs 44 IBNR levy 44 insures 44 Adam Sonfield 44 equivalent APE 44 Low Mileage Discount 44 Ceded 44 paycheck deductions 44 undeducted contributions 44 Medi Cal Healthy Families 44 Regence BlueCross 44 underinsured motorist UIM 44 Sum Assured 44 LIMRA 44 reinsurers Swiss Re 44 de tariffing 44 equity indexed annuities 44 Humana nyse HUM 44 reinsured 44 HRAs 44 deferred annuities 44 Inc. NASDAQ HCII 44 TMLT 44 nonrenewals 44 ceded reinsurance 43 takaful operators 43 Lloyd syndicates 43 SGLI coverage 43 advanceable 43 Grandfathered plans 43 BestWire Feb. 43 DAC unlocking 43 Anthem WellPoint 43 benefits copayments deductibles 43 prebates 43 Fixed Annuity 43 PCIP 43 CSRS annuity 43 retrocessions 43 outlier payments 43 Mail Handlers 43 Lump sums 43 Fac Re 43 Slome explains 43 Fish Parcham 43 Overhead Expense 43 AmerUs 43 viatical settlement 43 Azal Sigorta 43 Blue Shield PPO 43 Rescissions 43 TRICARE 43 Health Plans HDHPs 43 malpractice payouts 43 Preferred Provider Organizations PPOs 43 Bermuda reinsurers 43 BCBS 43 unfunded retiree 43 insurability 43 ICHIP 43 Unicare 43 reinsurance Hannover Re 43 Med Supp 43 Hurricane Catastrophe Fund 43 OEBB 43 Blue Cross 43 reinsurance ceded 43 Judge Fortunato Benavides 43 HEALTH INSURANCE Small 43 Capital Formation GFCF 43 Medicaid recipients 43 Snapshot SM 43 Navigators Specialty 43 Bob Lotane spokesman 43 RIte Care 43 Life Insurance 43 Medisave accounts 43 underfinanced pension 43 PPO POS 43 Underwriting 43 HOW MANY COVERED 43 nonlife 43 AGR Lite 43 actuary 43 Defined Benefit 43 Aetna Inc AET.N 43 spokesman Dick Luedke 43 Statutory surplus 43 rates 43 Medicare Part 43 Social Security actuaries 43 Paul Fronstin 43 HealthMarkets 43 HDFC Chubb 43 DPAC amortization 43 NBCR risks 43 Guaranteed Minimum Death 43 GMIB 43 GBP#.#b 43 Firemans Fund 43 biweekly paycheck 43 RRIF withdrawals 43 nonhomesteaded properties 43 Allstate Indemnity 43 MVAs 43 living adjustment COLA 43 Julianne Bowler 43 BillingCenter 43 Indemnity 43 actuarial calculations 43 Jeworrek 43 policyowners 43 Insurance Regulatory 43 Hiscox Guernsey 43 Wu Dingfu chairman 43 HSA 43 Empire BlueCross 43 WR Berkley 43 MedAmerica 43 PEBB 43 Penalizes employers 43 Uncompensated care 43 BES Vida 43 Health Reimbursement Arrangement 43 Millea Holdings Inc. 43 wages 43 Fund FHCF 43 Casualty Insurance Co. 43 GMWB 43 Tillinghast Towers Perrin 43 Ternian 43 contingent commissions 43 Ken Ambos 43 bancassurance channel 43 reinsurance recoverables owed 43 Stakeholder Pensions 43 reimbursement 43 workersa compensation 43 Renter insurance 43 mediclaim policy 43 adjustments COLAs 43 income 43 Specialty Casualty 43 Copayments 43 Humana Aetna 43 Mediclaim policy 43 workers' comp 42 NAICO 42 underinsurance 42 VHAP 42 Chief Actuary 42 net chargeoffs 42 ConfiDent R 42 broker Benfield 42 Sandy Praeger Kansas 42 retirees 42 RVUs 42 Florida Hurricane Catastrophe 42 loan origination fees 42 MGAs 42 AALTCI 42 Specialty Admitted segment 42 Joseph M. Zubretsky 42 Allianz Tiriac 42 Property Casualty Insurance 42 Advantra Freedom 42 nonlife insurers 42 Robert Zirkelbach 42 Assurant Inc 42 NFIP 42 Medicare prescription 42 Self Insured 42 reinsurance recoveries 42 HealthFund 42 workmen compensation 42 INSURANCE MARKET REFORMS Starting 42 policyholder retention 42 Denti Cal 42 multiline insurer 42 SGLI 42 Insure Montana 42 Livestock Gross Margin 42 FSAs 42 Professional Indemnity 42 Statutory Maternity Pay 42 Swiss Re RUKN.VX 42 insure.com 42 Combined Ratio 42 SCHIP 42 Medicade 42 BestHealthcareRates.com 42 PVNBP basis 42 elective deferral 42 PBGF 42 Professional Liability 42 LIMRA International 42 MLR 42 Assistance Program NAP 42 AdultBasic 42 medical malpractice 42 noncurrent loans 42 concessional contributions 42 re imbursements 42 Aetna Humana 42 Discontinued Lines 42 lump sums 42 BestWire 42 nonelderly residents 42 Accident Forgiveness 42 consulting actuary 42 FSAs HRAs 42 Operating Profit Margins 42 AVCs 42 Immediate annuities 42 pensionable salary 42 taxes 42 MediCare 42 NYSIF 42 Annuity 42 CIGNA 42 Ms. Nalbantoglu 42 Consolidated Omnibus Budget 42 MediCal 42 Hannover Re anticipates 42 Life Insurance SGLI 42 GMWBs 42 MCOs 42 YOUR HEALTH INSURANCE 42 Copay 42 exclusions 42 Net Premiums Written 42 postemployment 42 WellPoint 42 uninsured Tennesseans 42 windpool 42 Ed Domansky spokesman 42 DeVeydt 42 monthly repayments 42 VPI Pet Insurance 42 HDFC Ergo General 42 Salaam Halal 42 KidsCare Parents 42 MPLI 42 Chubb Corp. CB.N 42 PAYG installments 42 FBL Financial 42 UnitedHealth 42 PRSAs 42 Inc. NASDAQ MIGP 42 Officer Wayne DeVeydt 42 GHI HMO 42 CIRe 42 AutoOne 42 LNL Agency 42 Medicare donut hole 42 captive reinsurance 42 NTUC Income 42 unreimbursed expenses 42 COBRA Consolidated Omnibus 42 AmerInst 42 Cigna Aetna 42 workman comp 42 Stranger Originated Life 42 FRMs 42 Dirigo Health 42 RateWatch 42 Dick Cauchi 42 Underinsured 42 WellPoint Anthem Blue 42 Cigna Corp 42 Finite Risk segment 42 Elective abortions 42 TennCare recipients 42 MasterDex 42 CoverColorado 42 Casualty 42 Robert Laszewski 42 SunAmerica Financial 42 Valiant Specialty 42 Max Bupa 42 Health insurer Cigna 41 UIM coverage 41 insurable crops 41 pension 41 med mal 41 Policyholder 41 PTNS therapy 41 Defined contribution 41 WCIRB 41 workers deductibles copays 41 mortgages 41 Flexible Savings Accounts 41 Medigap insurance 41 Regence Blue Shield 41 Excellus 41 MAG Mutual 41 Expense ratios 41 HIG.N 41 MyRate 41 Overpayments 41 PBMs 41 Insured 41 AMERISAFE actively markets 41 Case persistency 41 Diane Koken 41 reinstatement premiums 41 Social Security COLAs 41 MassHealth Medicaid 41 dunning taxpayers 41 Jay Gellert 41 moneyback 41 Allstate Geico 41 fixed indexed annuities 41 Medical Malpractice Insurance 41 Citizens Property 41 Medicaid reimbursement 41 Uni.Asia 41 excise tax 41 Premium Hikes 41 Encompass Floridian Indemnity 41 Irda 41 gross pa AER 41 PacifiCare 41 EUR2 #mn 41 retrocession 41 Chamber BlueOptions 41 Loss Ratio MLR 41 #k/year . 41 NZ Superannuation 41 ConnPACE 41 Health Savings Account 41 Thomas V. Cholnoky 41 OPEBs 41 Medi caid 41 detariffing 41 Individual Annuity 41 COBRA subsidy 41 actuarial valuations 41 Shipping Packing 41 cedants 41 ConnectiCare 41 FirstComp 41 affecting mortality morbidity 41 PDP MLR 41 PPACA 41 Womer Benjamin 41 UnitedHealthCare 41 actuarially determined 41 uninsurable 41 Taiping Life 41 paycheck withholdings 41 hourly wages 41 MassHealth 41 Carly Glick 41 Geoff Souser Progressive 41 Researcher Anne McCartt 41 AXA RE 41 Mastercard Visa accepted 41 Basak Inam 41 Ingenix databases 41 Minimum Sum 41 MVRs 41 Regence BlueCross BlueShield 41 LTVs 41 Medicare Supplement Earned 41 SCHIP enrollees 41 Alonso Zaldivar 41 Amy Danise 41 AultCare 41 LTCI 41 SHKPI 41 deductible IRAs 41 Bharti AXA General 41 Pharmacare 41 Mcare Fund 41 Insurance Plan PCIP 41 Vioxx prescriptions 41 PPF levy 41 TWIA 41 uncollectible reinsurance 41 PBGC insures 41 GreenPoint Insurance 41 value reductions MVRs 41 actuarially unsound 41 NAIC 41 Unum Provident 41 OIR 41 COBRA 41 variable annuity guarantees 41 multiemployer defined 41 lump sum payouts 41 TPAs 41 BCBSM 41 formulary 41 noninterest bearing checking 41 Comparable Basis 41 life expectancies 41 GPPs 41 Retirement Annuities 41 Nonlife insurers 41 SeaBright 41 payroll deductions 41 Everest Re 41 payroll deduction 41 ehealthinsurance.com 41 Traditional IRAs 41 retrocessionaires 41 Radian Asset 41 Beazley syndicates 41 Humana Medicare Advantage 41 PRSI contributions 41 PEHP 41 RSUI 41 HOW YOU CHOOSE YOUR 41 Hibernian Aviva 41 incepting 41 health care 41 occupational pension 41 S CHIP 41 Medicare Advantage HMOs 41 PICC Property 41 Laszewski 41 coverages 41 Guaranteed Minimum Withdrawal Benefit 41 MIICL 41 AIK Comp 41 AGCS AG 41 #.#bn reais [002] 41 concessionally taxed 41 Travelers Cos Inc TRV.N 41 Guaranteed Minimum Income 41 EPLI 41 Net Premiums Earned 41 Critical Illness Insurance 41 MGIC 41 property catastrophe reinsurance 41 CoverTN 41 ROAs 41 CSRS retirees 41 intercompany reinsurance 41 Fixed Annuities 41 Asset Accumulation 41 Medical Malpractice Joint 40 preventive screenings 40 Unitrin Direct 40 elective deferrals 40 Medicare Advantage PPO 40 Multiemployer 40 Debt prepayment 40 unfunded liability 40 contributory pensions 40 CDHP enrollees 40 pay copays coinsurance 40 compulsory superannuation contributions 40 shipping packing crating 40 Ambac 40 HCRA 40 UnitedHealthOne 40 AccuQuote.com 40 adultBasic enrollees 40 Mila Kofman 40 MinnesotaCare enrollees 40 EUTF 40 negatively amortizing 40 KidCare enrollment 40 FERS employees 40 multiemployer 40 Unitrin Specialty segment 40 Mitsui Sumitomo Insurance 40 Advisen Ltd. 40 Medicaid caseloads 40 CGNU Life 40 Takaful 40 unamortized premiums 40 Insureds 40 Cigna Corp CI.N 40 Medicare Advantage HMO 40 Bharti Axa Life 40 cedant 40 ParallelPay 40 nyse HNT 40 BENEFITS PACKAGE All 40 GNY 40 taxables 40 Disaster Response Organisation 40 Kamesh Goyal 40 BadgerCare 40 Cholamandalam MS General 40 Uniqa 40 DTRIC 40 Isa Saver 40 deemed uncollectable 40 LAE ratio 40 PMBs 40 Insurance SSDI 40 AND PREMIUMS 40 Income Annuities 40 Indexed Universal 40 GEICO Indemnity 40 Insurance Regulation OIR 40 AEGON Religare 40 viaticals 40 spokeswoman Kristin Binns 40 AmAssurance 40 muni yields 40 SelectHealth 40 Thomas F. Motamed 40 prescription contraceptives 40 Lumenos 40 CeltiCare 40 KBW Insurance 40 HEALTH INSURANCE 40 salaries 40 PV originations 40 Donegal Mutual 40 Policyholder benefits 40 subsidies 40 CPP QPP benefits 40 Premium Equivalent APE 40 Medicare Medicaid 40 COE premiums 40 PV NIM 40 monoline 40 MCare 40 RGA #/#/# PriceWatch 40 Roth IRA withdrawals 40 Reliable Individual Health 40 LGM Dairy 40 takaful 40 childless adults 40 Blue Shield HMO 40 Mark Delegal lobbyist 40 deferred loan origination 40 Excess Workers Compensation 40 lump sum distributions 40 Source Keoghs 40 Excess Liability 40 Dick Luedke spokesman 40 Allstate 40 retentions 40 Peachcare 40 Medigap supplemental coverage 40 Spending 40 workers' compensation insurance 40 Anthem Blue 40 Medicare reimbursement 40 Woolhandler 40 capitation 40 CarInsurance.com 40 PLIC 40 Allstate Floridian Insurance 40 BCBSND 40 Beth Umland 40 Retirement Savings Accounts 40 SCHIP eligibility 40 involuntary bumping