COMPLAINT RATIOS NATIONALLY AND FOR HAWAII

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.

**2006 NAIC Ratios

**2007 NAIC Ratios

*2008 State Ratios

**2008 NAIC Ratios

Health Insurance

Group & Indivi.

Group & Indivi.

Group & Indiv.

Group & Indivi.

Aetna

0.94

n/a

n/a

0.97

AMS (United Healthcare Grp.)

0.90

1.39

n/a

1.47

Assurant (Time)

2.58

1.90

n/a

1.92

Blue Cross Blue Shield

0.01

n/a

n/a

n/a 

Celtic

1.15

4.65

n/a

2.04

Golden Rule

0.61

0.90

n/a

1.04

HMAA

n/a

n/a

n/a

n/a

HMSA

n/a

n/a

n/a

n/a

John Alden

1.80

1.16

n/a

1.45

Kaiser

n/a

n/a

n/a

n/a

MEGA Life (NASE)

2.06

2.72

n/a

5.87

Midwest Security

2.20

1.79

n/a

1.74

Nationwide Life & Health

1.20

1.60

n/a

1.80

Principal Financial

 0.67 

 0.94

n/a

1.20

Trustmark/Starmark/Multi-Ben

3.04

 2.86

n/a

3.33

UHA

n/a

n/a

n/a

n/a

United Healthcare

0.90

1.39

n/a

 n/a

Hawaii HMO's

accreditation

Health Plan Hawaii

excellent

Kaiser Foundation

excellent

*Source-State of Hawaii Department of Commerce and Consumer Affairs- (808) 586-2790

**Source - NAIC or National Association of Insurance Commissioners