STUDY OF THE INDIVIDUAL AND GROUP HEALTH INSURANCE MARKETS IN OHIO ...

for the fully-insured large group market exhibited some volatility with a 78.3% loss ratio observed in 2015 followed by an 84.6% loss ratio in 2016. However, underwriting gains were observed in each 2015 and 2016. Medical loss ratio requirements of 85% in the large group market likely led to the ................
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