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MCAS 2022 - Market Conduct Annual Statement | NAIC
Key 2022 MCAS Dates
Mid-December 2022 Call letters to companies
January 19, 2023 Last day to submit 2021 corrections (See FAQ Document)
March - April 2023 MCAS training webinars
Mid-March 2023 2022 filings may be submitted via the online MCAS filing tool
April 30, 2023 MCAS submissions due for all lines of business except Health and STLDI
May 31, 2023 MCAS submissions due for Health
June 30, 2023 MCAS submissions due for Short-Term Limited Duration Insurance 
July 1, 2023 MCAS industry scorecards posted to MCAS Web page for all lines of business except Health and STLDI
August 1, 2023 MCAS industry scorecards posted to MCAS Web page for Health
September 1, 2023 MCAS industry scorecards posted to MCAS Web page for STLDI

Short-Term Limited Duration Health Insurance and Travel Insurance are new MCAS lines of business being introduced for the 2022 data year. A summary of all changes can be found in the Summary of 2022 Changes document.

Puerto Rico is now a participating MCAS jurisdiction. Puerto Rico will begin collecting MCAS filings beginning with the 2022 data to be reported on the filing due dates in 2023. If your company writes business in Puerto Rico for any of the MCAS lines of business, you will be expected to report your Puerto Rico data using the MCAS submission tool just as you do for the other participating jurisdictions.

What do documents on this Web page tell me?

General Filing Information

  • Participation Requirements – Detailed information to assist in determining if your company is required to submit MCAS data


  • Data Collection Worksheets (Blanks) – Table layout representation of the required data elements
  • Data Call and Definitions (Instructions) – Listing of MCAS data elements and definitions to follow when preparing data for submission
  • MCAS User Guide – Information about how to use the MCAS application and a listing of data validations used within the application
  • CSV Data Upload Instructions – Layout guidelines for preparing a CSV file for uploading to the MCAS application (The use of a CSV file is not required.)
  • CSV Assistant Instructions – Guidance for using the CSV Assistance Files
  • CSV Assistant Files – Templates to assist in the creation of CSV data files
  • Scorecard Ratio Formulas – Listing of standard scorecard ratios calculated for each MCAS lines of business

Additional Information

  • FAQ (Frequently Asked Questions) - Contains both technical and definitional information not located in the other Help documents (Located just under the MCAS "Log In" icon) You will find answers to questions regarding:
    • Specific data elements
    • Market Conduct Contact, MCAS Administrator, and MCAS Contact
    • MCAS application
    • Waiver and extension requests
  • Participating Jurisdictions Contacts and Scorecards – Provides state MCAS contact information and links to scorecard reports produced each year to show jurisdiction-wide ratio calculations and the distribution of ratios for all companies filing an MCAS in a given jurisdiction. (Located at the top of the page under the MCAS header)

Any questions not addressed by the documents located on this page can be sent to either or

MCAS - The Market Conduct Annual Statement

MCAS provides market regulators with market conduct information not otherwise available for their market analysis initiatives. Companies report their data to each jurisdiction through the NAIC's on-line MCAS application. For the 2022 data year, MCAS data is collected for the following lines of business:

  • Disability Income
  • Health
  • Homeowners
  • Individual Annuity
  • Individual Life
  • Lender-Placed Auto & Homeowners
  • Long-Term Care
  • Private Flood
  • Private Passenger Auto
  • Short-Term Limited Duration Insurance
  • Travel

The Market Analysis Procedures (D) Working Group (MAPWG) is responsible for identifying new MCAS lines of business and promoting uniform analysis by applying consistent measurements and comparisons of MCAS data provided by companies. To follow the Market Analysis Procedures (D) Working Group and their discussions related to new MCAS lines of business, visit their webpage:

The  Market Conduct Annual Statement Blanks (D) Working Group (MCAS Blanks WG) is responsible for the MCAS content and defining the data that is collected. To follow the Market Conduct Annual Statement Blanks (D) Working Group and their discussions related to the content of MCAS lines of business, visit their webpage:


The MCAS application displays an indicator for each state in which, according to your 2022 financial annual statement (FAS), you reported premium meeting the threshold requirements. The FAS Supplemental Health Care Exhibit, LTC Experience Reporting Form 5, Credit Insurance Experience Exhibit and Accident and Health Policy Experience Exhibit filing deadline is April 1. Therefore, the required to file (RTF) indicators will not be populated until your company has submitted the corresponding forms.

Please note that the RTF indicator is only a guide. If you know you have relevant business to report, it must be reported whether or not you see a RTF indicator.


Please email questions to