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The following list highlights the top 20 payors by incurred claims, excluding payor subsidiaries. The included payors account for over $244.7 billion in incurred claims for 2018.
The payor with the highest incurred claims was Kaiser Permanente Health Plans with over $44.7 billion— 18.3% of the claims represented on the list. Along with ranking first in incurred claims, Kaiser Permante Health Plans also ranked first in Total Direct Premium Earned as well as Covered Lives, representing nearly one million more covered lives than the next appearing payor on the list, UnitedHealthcare.
Top 20 Payors by Total Incurred Claims
| Payor Name | Definitive ID | Firm Type | State | Total Incurred Claims | Total Direct Premium Earned | Covered Lives | |
| 1 | Kaiser Permanente Health Plans | 583130 | Payor | CA | $44,793,463,188 | $50,967,482,045 | 9,315,959 |
| 2 | UnitedHealthcare | 583151 | Payor | MN | $33,646,659,210 | $42,407,097,381 | 8,411,196 |
| 3 | Anthem Blue Cross & Blue Shield | 575957 | Payor | IN | $30,828,168,717 | $37,912,630,126 | 5,998,133 |
| 4 | Health Care Service Corporation Group | 853221 | Payor | IL | $23,344,341,956 | $28,791,218,833 | 4,640,496 |
| 5 | Aetna | 552393 | Payor | CT | $14,421,172,501 | $17,261,224,006 | 2,937,201 |
| 6 | Florida Blue | 552479 | Payor | FL | $12,650,947,868 | $16,413,720,389 | 2,397,800 |
| 7 | Blue Shield of California | 552477 | Payor | CA | $11,543,656,846 | $14,396,749,939 | 2,554,513 |
| 8 | Cigna | 552436 | Payor | CT | $9,612,601,243 | $11,888,734,873 | 2,018,658 |
| 9 | Centene Corporation | 575895 | Payor | MO | $9,323,269,672 | $13,078,998,545 | 2,007,398 |
| 10 | CareFirst BlueCross BlueShield | 575917 | Payor | MD | $7,021,843,816 | $8,569,792,777 | 1,352,504 |
| 11 | BlueCross BlueShield of Michigan Group | 552472 | Payor | MI | $6,361,872,944 | $8,021,179,225 | 1,472,320 |
| 12 | BlueCross BlueShield of North Carolina | 552474 | Payor | NC | $5,729,711,943 | $7,594,149,939 | 999,377 |
| 13 | BlueCross BlueShield of Massachusetts Group | 575753 | Payor | MA | $5,535,104,329 | $6,268,845,492 | 991,330 |
| 14 | Horizon Blue Cross Blue Shield of New Jersey | 553215 | Payor | NJ | $5,292,994,621 | $6,464,122,800 | 866,131 |
| 15 | Highmark | 552480 | Payor | PA | $5,288,279,430 | $6,358,909,401 | 1,055,488 |
| 16 | Humana Group | 552481 | Payor | KY | $4,531,650,263 | $5,532,888,939 | 1,004,987 |
| 17 | BlueCross BlueShield of Alabama | 575911 | Payor | AL | $4,177,378,804 | $4,954,535,997 | 894,405 |
| 18 | Independence Blue Cross Group | 575058 | Payor | PA | $3,981,845,684 | $5,469,323,862 | 841,593 |
| 19 | EmblemHealth | 583128 | Payor | NY | $3,482,799,310 | $4,171,848,142 | 578,625 |
| 20 | Regence | 583141 | Payor | OR | $3,168,590,921 | $3,879,547,646 | 740,762 |
Fig 1 Data from Definitive Healthcare's Payor Database; financial data is from CMS’ Consumer Information and Oversight (CCIIO) Medical Loss Ratio reports. The most recent data is from calendar year CY 2018.