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MCAS 2025 - Market Conduct Annual Statement | NAIC

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General Filing Requirements

Participation Requirements

Training

No training materials at this time.

Resources

Data Collection Worksheets (Blanks)

  • Annuity 
  • Disability Income 
  • Health 
  • Homeowners 
  • Lender-Placed Home and Auto 
  • Life 
  • Long-Term Care 
  • Private Flood 
  • Private Passenger Auto 
  • Short-Term Limited Duration 
  • Travel 
  • Other Health 
  • Pet 

Data Call and Definitions (Instructions)

  • Disability Income 
  • Health 
  • Homeowners
  • Lender-Placed Home and Auto 
  • Life and Annuity 
  • Long-Term Care 
  • Private Flood 
  • Private Passenger Auto 
  • Short-Term Limited Duration 
  • Travel 
  • Other Health 
  • Pet 

Summary of 2025 Changes
2025 MCAS User Guide
Scorecard Ratio Formulas

CSV Instructions and Resources

  • CSV Data Upload Instructions
  • CSV Assistant Instruction

CSV Assistant Files

  • Annuity
  • Disability Income
  • Health
  • Homeowners
  • Lender-Placed Home and Auto
  • Life
  • Long-Term Care
  • Private Flood
  • Private Passenger Auto
  • Short-Term Limited Duration
  • Travel
  • Other Health
  • Pet

MCAS Revision Process Document
(MCAS Blanks Working Group Webpage)

Communication

There are no Communication materials at this time.

Key 2025 MCAS Dates
Mid-December 2025 Call letters to companies
Late January 2025 Last day to submit 2024 corrections (See FAQ Document)
February - March 2026 MCAS training webinars (Webinar information coming later)
Mid-March 2026 2025 filings may be submitted via the online MCAS filing tool
April 30, 2026 MCAS submissions due for all lines of business except Health, Other Health and STLD
May 31, 2026 MCAS submissions due for Health, Other Health and STLD
July 1, 2026 MCAS industry scorecards posted to MCAS Web page for all lines of business except for Health, Other Health and STLD
August 1, 2026 MCAS industry scorecards posted to MCAS Web page for Health, Other Health and STLD

 

NEW FOR 2025 DATA YEAR

A summary of all changes can be found in the Summary of 2025 Changes document.

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

Resources

  • 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 mcas@naic.org or help@naic.org

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 2025 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
  • Other Health
  • Pet
  • Private Flood
  • Private Passenger Auto
  • Short-Term Limited Duration Health
  • 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: /cmte_d_mcapwg.htm.

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: /cmte_d_mcaswg.htm.

Questions

Please email questions to mcas@naic.org.