# Health Insurance Financial Models

Canonical: https://finamodel.com/sectors/health-insurance

Premiums are set before an insurer knows exactly how much care its members will need. If treatment costs rise faster than expected, membership growth can amplify the shortfall. Forecasting earnings therefore depends on the gap between premium revenue and medical claims, not enrolment alone.

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- [UnitedHealth Group](https://finamodel.com/companies/unitedhealth-group)
- [CVS Health](https://finamodel.com/companies/cvs-health)
- [Cigna](https://finamodel.com/companies/cigna)
- [Elevance Health](https://finamodel.com/companies/elevance-health)
- [Centene](https://finamodel.com/companies/centene)
- [Humana](https://finamodel.com/companies/humana)