Centro de Documentacion de Fundación MAPFRE - Market segment outlook : US health insurance

MAP20250013650

Market segment outlook : US health insurance / A.M. Best Company Inc. — New Jersey : A.M. Best Company Inc, 2025

6 p . — (Best's market segment report ; August 25, 2025)

Increased medical trend -- The medicare segment remains challenged -- Rate mismatch impacting managed medicaid -- Commercial group earnings deterioration -- Individual business shows material weakening of earnings -- Risk -adjusted capitalization, liquidity and investment performance -- Corrective action. — Sumario: AM Best has revised its outlook for the U.S. health insurance industry from Stable to Negative due to rising medical trends in Medicare Advantage, mismatches in rates and patient acuity in Managed Medicaid, increased utilization and claims costs in the commercial sector, and growing legislative and regulatory concerns. Despite these challenges, strong capitalization, liquidity, and continued favorable net investment income provide some offsetting support. The report highlights that medical costs, utilization, and morbidity are increasing across various lines of business, with operating margins under significant pressure in government programs and notably narrowing in the commercial market

1. Mercado de seguros . 2. Seguro de salud . 3. Medicare . 4. Medicaid . 5. Análisis de riesgos . 6. Perspectivas del seguro . 7. Estados Unidos . I. A.M. Best Company . II. Título.