COMPLAINT RATIOS NATIONALLY AND FOR TEXAS

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 Health Inc.

1.01

0.94

12.75

n/a

AMS (United Healthcare Grp.)

0.90

0.90 

2.59

1.39

Assurant (Time)

2.14

2.58

7.24

1.90

Blue Cross Blue Shield

0.01

0.01

5.76

n/a

Celtic

1.75

1.15

163.25

4.65

Golden Rule

0.64

0.61

2.61

0.90

Humana

0.96

1.47

4.84

1.66

John Alden

2.19

1.80

8.71

1.16

MEGA Life (NASE)

2.64

2.06

1.32

2.72

Midwest Security

1.96

2.20

n/a

1.79

Nationwide Life & Health

0.87

1.20

0.37

1.60

Principal Financial

 0.62 

 0.67

1.36

0.94

Trustmark/Starmark/Multi-Ben

3.62

 3.04

1.70

2.86

Unicare

1.05

1.59

5.76

 1.89

United Healthcare

0.90

0.90

6.71

 1.39

Texas HMO's

accreditation

Aetna Health Inc.

excellent

CIGNA Healthcare of Texas

excellent

Humana Health Plan

commendable

PacifiCare of Texas

excellent

United Healthcare of Texas

excellent

*Source-State of Texas Department of Insurance- (512) 463-6169

**Source - NAIC or National Association of Insurance Commissioners