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1、HEALTH INSURER FINANCIAL PULSESummer 2024Marc LambrightPeter KaczmarekCarli AllenZach SmithDhwane HenryJohn RienstraSam DriscollHealth Insurer Financial Pulse2 Oliver Wyman2Health Insurer Financial PulseWe present the Summer 2024 edition of our Health Insurer Financial Pulse!This edition of Pulse in

2、cludes the reported annual statutory financial experience for health insurers through 2023,Medical Loss Ratio(MLR)Rebate trends,highlights from Public Companies Q1 2024 financial statements,and a summary of recent health plan Merger and Acquisition(M&A)activity and valuation trends.Our aim is to kee

3、p you abreast of key market trends and dynamics that impact health insurer financial results and profitability.We hope you enjoy the newsletter and find it informative.Please look for our next edition in early Fall of 2024.Full-year 2023 statutory results by marketPre-tax margins decreased 0.6%in 20

4、23 to 1.7%across all lines of business with decreased loss ratios in individual comprehensive coverage,flat loss ratios in the group market,and increased loss ratios in Medicare and Medicaid compared to 2022.2022 MLR Rebate trends in the individual marketHigher premium and slightly lower incurred cl

5、aims in 2022 resulted in a lower current year MLR at 88.1%,a reduction from 91.1%in 2021.MLR Rebates paid in 2023 for the 2022 reporting year of$332 million,are the lowest since those paid in 2018 for the 2017 reporting year.Q1 2024 large public companies financial performanceWe reviewed large publi

6、c companies profitability for their insured business and noted that reported profit margins for Q1 2024 were 2%lower than Q1 2023 on average,driven by UnitedHealthcares recognized$7.1 billion loss on the sale of its Brazil business.Most companies saw utilization in line with expectations.M&A activit