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Commentary: Expiring Subsidies May Result in Shrinking ACA Enrollment, Deteriorating Risk Pool

ACA utilization patterns are becoming similar to Medicaid, with higher use of emergency room and behavioral health services.

English | Data

Nov 11, 2025 - 5 Pages

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MARKET SEGMENT REPORT | NEW ZEALAND
Market Segment Report: Market Segment Outlook: New Zealand Non-Life Insurance
New Zealand’s non-life insurance outlook remains Stable, owing to improving economic conditions, increased insurance demand, and steady reinsurance pricing.
English
Nov 11, 2025 - 4 Pages

Market Segment Report: Reciprocal Insurance Exchanges Represent a Unique and Collaborative Structure

MARKET SEGMENT REPORT | PROPERTY AND CASUALTY INSURANCE
Market Segment Report: Reciprocal Insurance Exchanges Represent a Unique and Collaborative Structure
A key advantage of reciprocal exchanges is the control subscribers exert over rates and strategy, directly aligning the interests of the insurer and the insured.
English | Data
Nov 10, 2025 - 11 Pages

Subscription or Purchase Required

MARKET SEGMENT REPORT | NEW ZEALAND
Market Segment Report: Market Segment Outlook: New Zealand Life Insurance
AM Best is maintaining a Stable outlook on the country’s life insurance segment.
English
Nov 10, 2025 - 4 Pages

SPECIAL REPORT | LIFE INSURERS
Special Report: Fewer Life/Health Rating Changes in First Half 2025
Downgrades decreased for both life and health carriers relative to the same period last year, though the decline is more pronounced in the life segment.
English | Data |

Video
Nov 03, 2025 - 8 Pages

Subscription or Purchase Required

MARKET SEGMENT REPORT | INTERNATIONAL
Market Segment Report: AM Best’s APAC Insurance Market Report
Overview of insurance industry trends and developments in the Asia-Pacific market.
English | Data
Oct 31, 2025 - 87 Pages

More Special Reports, Market Segment Reports, Commentaries

Analytical Briefings

AM Best's Europe Insurance Market & Methodology Briefings - London
Nov 08, 2025

AM Best’s Insurance Market Briefing - SIRC
Nov 06, 2025

Reinsurance Market Briefing - Rendez-Vous de Septembre 2025
Sep 07, 2025

AM Best’s Briefing – Captives: Continuing to Outperform
Aug 06, 2025

More briefings from AM Best

AM Best TV Research Videos

AM Best: Upgrades and Downgrades Nearly Balance for US P/C; Downgrades Decrease for Life/Health in the First Half of 2025
Nov 04, 2025

AM Best: Stable Credit Fundamentals Despite Increasing Volatility for Canadian Property/Casualty
Oct 29, 2025

AM Best: Managing Risk Is Critical as Private Credit Holdings Increase
Oct 22, 2025

AM Best: Managed Medicaid Posts $3 Billion Loss in 2024
Oct 02, 2025

AM Best: US Title Insurers Navigate Volatile Economic Headwinds
Oct 07, 2025

More from AM Best TV

Property/Casualty (Non-Life)

MARKET SEGMENT REPORT | NEW ZEALAND
Market Segment Report: Market Segment Outlook: New Zealand Non-Life Insurance
English
Nov 11, 2025 - 4 Pages

Subscription or Purchase Required

MARKET SEGMENT REPORT | INTERNATIONAL
Market Segment Report: AM Best’s APAC Insurance Market Report
English | Data
Oct 31, 2025 - 87 Pages

MARKET SEGMENT REPORT | CHINA
Market Segment Report: Market Segment Outlook: China Non-Life Insurance
English
Oct 30, 2025 - 5 Pages

Best's Calendar

Upcoming Events Featuring AM Best

Nov. 18

AM Best's Delegated Underwriting Authority Enterprises Briefing - New York

WEBINAR
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Nov. 25

AM Best's MENA Insurance Market Briefing - Dubai

WEBINAR
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Dec. 09

AM Best’s Briefing – 2026 Insurance Outlook: Risk Management Back in the Spotlight

WEBINAR
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More Best's Calendar events featuring AM Best

Best’s Credit Ratings

A Best’s Credit Rating is a forward-looking, independent, and objective opinion regarding an insurer’s, issuer’s, or financial obligation’s relative creditworthiness.

For more information on our methodologies, please visit the Best’s Credit Rating Methodology page.