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Profit

Profit

(Net income to premium earned)

Profitability is net income, or total revenue minus expenses. Margin is the comparable term for a nonprofit insurance company. Regence, Kaiser, PacificSource, and Providence are nonprofit, while Health Net, LifeWise, and Moda (ODS) are for profit.

Figures are the percentage of earned premium
Insurer 2009 2010 2011 2012 2013 2014 2015 2016
Health Net -1.0% 5.0% 6.0% 3.0% 1.5% -13.4% -6.1% -6.3%
Kaiser 2.0% 2.0% 1.0% 0.8% -0.5% -0.5% -0.4% 1.2%
LifeWise 0.0% -2.0% 2.0% -0.1% 0.6% -16.2% -18.0% -4.9%
Moda (ODS) -5.0% 2.0% 3.0% 2.0% 2.5% -0.6% -6.4% -1.4%
PacificSource 1.0% 1.0% 2.0% 3.0% 2.0% -2.8% -1.8% -3.8%
Providence 3.0% 6.0% 7.0% 5.0% 4.0% 2.0% -5.3% -2.5%
Regence 1.0% 1.0% 0.0% 2.0% 1.0% 1.9% 1.4% 1.7%
Overall average 1% 3% 2% 1.5% 1% -0.6% -2.1% -0.4%

Source: Annual or quarterly financial statements filed with the National Association of Insurance Commissioners or the Oregon Division of Financial Regulation.

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