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.