Medical Loss Ratios, 2018-2021 (Individual and Group Markets)

  1. 2018: Individual Market - 75% | Group Market - 83%
  2. 2019: Individual Market - 80% | Group Market - 85%
  3. 2020: Individual Market - 78% | Group Market - 83%
  4. 2021: Individual Market - 88% | Group Market - 88%
Notes: This chart shows "simple" medical loss ratios (total claims as a share of total premiums) and differ from the definitions of MLR in the Affordable Care Act and CMS Medicaid Managed Care final rule, in that they are unadjusted for taxes, quality improvement, and other expenses

Source: KFF, Health Insurer Financial Performance in 2021, February 28, 2023 - https://www.kff.org/medicare/issue-brief/health-insurer-financial-performance/

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