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Most of your premium goes toward paying for medical and pharmacy claims for members. In fact, New York State requires that at least 82% of the premium you pay directly covers member medical costs. As the cost and use of pharmacy drugs and medical services go up, so does the cost of medical care we must pay for.
Is Ghi part of EmblemHealth?
Top Health Insurers by Direct Written Premiums (2023) RankHealth InsurerDirect Written Premiums 1 UnitedHealth Group (including UnitedHealthcare) $248.76 billion 2 Elevance Health Inc. (formerly Anthem) $107.65 billion 3 Centene Corp. $102.71 billion 4 Humana $100.52 billion6 more rows Oct 31, 2025
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