{"id":67833,"date":"2025-10-09T13:11:08","date_gmt":"2025-10-09T13:11:08","guid":{"rendered":"https:\/\/www.newsbeep.com\/nz\/67833\/"},"modified":"2025-10-09T13:11:08","modified_gmt":"2025-10-09T13:11:08","slug":"market-capitalization-and-reserve-levels-what-the-balance-means-for-carriers","status":"publish","type":"post","link":"https:\/\/www.newsbeep.com\/nz\/67833\/","title":{"rendered":"Market capitalization and reserve levels: what the balance means for carriers"},"content":{"rendered":"<p>Market value is not always a proxy for reserve strength<\/p>\n<p dir=\"ltr\">UnitedHealth, with a market capitalization of $431 billion, holds just $1.1 million in carried reserves, highlighting the limited relevance of reserve levels for diversified health and insurance conglomerates. By contrast, Travelers, with a market cap less than one-seventh that of Progressive, carries more reserves than any other group in the sample. The median reserve-to-market-cap ratio across the top carriers is 0.45, with a mean of 0.37, illustrating the broad range of capital structures and reserve philosophies at play.\u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"Market value is not always a proxy for reserve strength UnitedHealth, with a market capitalization of $431 billion,&hellip;\n","protected":false},"author":2,"featured_media":67834,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12],"tags":[138,17053,54544,220,111,139,69,54545],"class_list":{"0":"post-67833","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-markets","8":"tag-business","9":"tag-insurance","10":"tag-market-capitalization","11":"tag-markets","12":"tag-new-zealand","13":"tag-newzealand","14":"tag-nz","15":"tag-reserve-levels"},"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/posts\/67833","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/comments?post=67833"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/posts\/67833\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/media\/67834"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/media?parent=67833"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/categories?post=67833"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/nz\/wp-json\/wp\/v2\/tags?post=67833"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}