The net effects of medical malpractice tort reform on health insurance losses: the Texas experience

Table 2 Health Insurance Losses per Enrollee for Different Samples

Health Insurance Losses per Enrollee
Panel A
	Texas			New Jersey			Colorado
Year	Mean	St. Dev.	Insurers	Mean	St. Dev.	Insurers	Mean	St. Dev.	Insurers
2001	1.56	1.85	45	1.78	1.08	18	1.78	1.21	18
2002	1.53	1.49	41	1.45	1.48	34	1.99	1.36	20
2003	1.88	1.79	43	1.41	1.53	34	1.96	1.40	18
2004	1.99	2.09	39	1.51	1.75	34	2.02	1.47	18
2005	2.04	2.22	38	1.71	2.38	34	2.22	1.60	18
2006	1.99	2.23	38	1.39	1.56	31	2.33	1.71	18
2007	2.25	2.52	38	1.47	1.74	30	2.45	1.85	18
2008	2.22	2.62	37	1.50	1.82	30	2.30	1.97	16
2009	2.52	3.00	34	1.71	2.07	29	2.57	2.30	16
2010	2.10	2.67	32	1.72	2.29	28	2.53	2.38	15
Panel B
	41 State Subsample			18 State Subsample			9 State Subsample
Year	Mean	St. Dev.	Insurers	Mean	St. Dev.	Insurers	Mean	St. Dev.	Insurers
2001	1.95	3.99	545	1.90	1.27	223	1.94	1.26	96
2002	1.87	1.70	588	2.02	1.72	241	2.07	1.70	108
2003	1.96	1.72	587	2.16	2.01	248	1.98	1.69	110
2004	2.14	1.89	554	2.38	2.17	234	2.14	1.79	103
2005	2.13	1.79	533	2.31	1.89	222	2.21	1.93	96
2006	2.30	1.99	520	2.57	2.26	218	2.53	2.34	95
2007	2.46	2.09	491	2.71	2.30	207	2.64	2.40	92
2008	2.56	2.27	483	2.92	2.57	205	2.67	2.45	89
2009	2.73	2.46	463	3.15	2.83	196	2.90	2.80	88
2010	2.76	2.55	440	3.19	2.88	191	2.97	2.88	86

Notes: This table provides summary information regarding health insurance firms’ Losses per Enrollee (LPE) for each of the subsample of firms used in our analysis, during each year of our sample period. LPE is defined as the dollar amount of health insurance losses incurred by a given insurer, in a given state, during a given year, scaled by the number of plan enrollees for a given insurer, in a given state, during a given year. LPE is also scaled by 1000. Panel A provides information pertaining to LPE for a subsample of insurers operating in Texas, New Jersey, or Colorado. Panel B provides information pertaining to LPE for three subsamples of insures operating in states identified by Paik et al. [24]. “Mean” refers to the mean value of LPE, “St. Dev.” refers to the standard deviation of LPE, and “Insurers” refers to the number of insurers (observations)