Health Insurance Industry Annual Growth Year-over-Year Change 2003 2004 2005 2006 2007 2008 3Q 2009 ------- ------- ------- ------- ------- ------ ------- Total Assets 29.3% 9.6% 19.7% 16.7% 8.2% -1.3% 7.0% Capital & Surplus 47.7% 17.9% 26.6% 14.1% 12.4% -7.1% 10.0% Member Months -0.5% 0.4% 5.6% -9.7% 15.6% -1.9% 6.8%* Total Revenues 11.3% 6.9% 14.1% 10.7% 8.8% 5.9% 6.0%* Underwriting Costs 9.6% 6.8% 13.7% 11.1% 9.4% 6.6% 6.9%* Underwriting Gain (Loss) 84.8% 10.1% 23.0% 1.1% -3.9% -15.4% -22.2%* Net Income 87.3% 11.6% 21.9% 14.3% 5.7% -48.0% -12.4%* Net U/W Gain to Revenue 3.9% 4.1% 4.4% 4.0% 3.5% 2.8% 2.4% Net Yield 2.9% 3.2% 3.9% 5.1% 5.2% 2.3% 2.9% Return on Average Equity (ROAE) 27.9% 25.5% 25.3% 24.3% 22.1% 15.5% 11.2% ======= ======= ======= ======= ======= ====== ======= * Percent change from 9/30/2008The 2009 figures discussed here are year-to-date. All of the data used in this analysis is available in Highline Data's premier online analytical resource, Insurance Analyst PRO. The data is derived from the annual and quarterly statutory financial statements filed with the National Association of Insurance Commissioners (NAIC) by individual companies. The California companies' data is obtained from public filings submitted to the California Department of Managed Health Care. About Summit Business Media Highline Data is part of Summit Business Media, the leading B2B media and information company serving the insurance, investment and professional services markets through a variety of channels, including online, print and live events. Summit provides breaking news and analysis, in-depth practice management strategies, business-building techniques and actionable data to the markets it serves. Through its Media and Reference Divisions, Summit publishes 17 magazines and 150 reference titles. The Event Division hosts a dozen conferences in support of Summit's magazine brands and sponsors the International Investment Conferences on global mining investment. Summit's Data Division, comprised of Highline Data and Judy Diamond Associates, is the leading data provider of financial and marketing information on insurance companies, life and property-casualty agents and investment advisors. Summit, a Wind Point Partners company, employs 400 employees in a dozen offices across the United States. For more information, please visit www.SBMedia.com.
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