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Blue Cross Blue Shield Surplus Determination

In 2005, the Insurance Department completed its analysis of the reserve and surplus applications for the Pennsylvania Blue Cross Blue Shield health-insurance plans -- namely Capital Blue Cross; Highmark Inc.; Hospital Service Association of Northeastern Pennsylvania d/b/a Blue Cross of Northeastern Pennsylvania; and Independence Blue Cross. As a result, the department developed a new model in its analysis. The levels used in the model are lower and more stringent than any threshold for excess surplus in the country based on risk-based capital. Details regarding the findings and current surplus levels pursuant to that model may be found below.


Statements of Surplus Levels for Blue Cross Blue Shield Plans: 

  • 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 20132012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 
  • 2005
    • June 2005 - Report from the Legislative Budget and Finance Committee: Considerations for Regulating Surplus Accumulation and Community Benefit Activities of Pennsylvania Blue Cross and Blue Shield Plans
    • June 16, 2005 - Letter from Commissioner Koken to Senator Tomlinson regarding the Lewin Group Report
    • February 9, 2005 - Insurance Department Announces Decision on Reserve and Surplus Levels of State Blue Plans

Historical Information on the Surplus Levels: