COMPLAINT RATIOS NATIONALLY AND FOR MINNESOTA

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

John Alden

1.80

1.16

n/a

1.45

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

United Healthcare

0.90

1.39

n/a

n/a

Minnesota HMO's

accreditation

Blue Plus

excellent

HealthPartners, Inc.

excellent

Medica

excellent

Sanford Health Plan of Minnesota

excellent

*Source-State of Minnesota Department of Commerce- 651-296-4026

**Source - NAIC or National Association of Insurance Commissioners