How can I find out WHO has the largest number of insurers – therefore least likely to raise rates or discontinue selling insurance in the next 20-30 years, based on the law of large numbers. Surely this is listed somewhere? Thank you! Carol

Hi Carol – the National Association of Insurance Commissioners publishes The Long-Term Care Insurance Experience Reports each fall for the preceding year. It has the number of people insured and the ratio of premium to paid claims for each insurance company three different ways: by each product, by type of product such as individual or group, and for all lumped together but segmented by years sold.  This is the organization that all the state insurance commissioners belong to (www.naic.org) and the report sells for under $200.  The California Dept of Insurance has a report about which companies have had rate increases at this link http://www.insurance.ca.gov/0100-consumers/0060-information-guides/0050-health/ltc-rate-history-guide/rate-history-long-term-care.cfm.

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