COMPLAINT RATIOS NATIONALLY AND FOR FLORIDA

Per $ 1 million in premiums paid

1(one) is set as the median level or average of all companies

Below 1.00 means the company is better than average.

Above 1.00 means the company is worse than average.

*2005 NAIC Ratios

**2006 NAIC Ratios

*2006 State Ratios

**2007 NAIC Ratios

Health Insurance

Group & Indivi.

Group & Indivi.

Group & Indiv.

Group & Indivi.

Aetna

1.01

0.94

n/a

n/a

AMS (United Healthcare Grp.)

0.90

0.90 

n/a

1.39

Assurant (Time)

2.14

2.58

n/a

1.90

Best Life & Health

0.31

0.33

n/a

1.04

Blue Cross Blue Shield

0.01

0.01

n/a

n/a

Celtic

1.75

1.15

n/a

4.65

Golden Rule

0.64

0.61

n/a

0.90

Humana

0.96

1.47

n/a

1.66

John Alden

2.19

1.80

n/a

1.16

Madison National Life

1.13

0.77

n/a

0.91

MEGA Life (NASE)

2.64

2.06

n/a

2.72

Midwest Security

1.96

2.20

n/a

1.79

Nationwide Life & Health

0.87

1.20

n/a

1.60

Principal Financial

 0.62 

 0.67

n/a

0.94

Trustmark/Starmark/Multi-Ben

3.62

 3.04

n/a

2.86

United Healthcare

0.90

0.90

n/a

 1.39

Florida HMO's

accreditation

Aetna Health Inc.

excellent

Capital Health Plan, Inc.

excellent

CIGNA Healthcare of Florida

excellent

Health First Health Plans, Inc.

excellent

Health Options Inc.

excellent

Humana Medical Plan, Inc.

commendable

Neighborhood Health Partnership, Inc.

excellent

United Healthcare of Florida

excellent

*Source-State of Florida Department of Financial Services - (850) 413-3100

**Source - NAIC or National Association of Insurance Commissioners