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MCAS 2017 - Market Conduct Annual Statement
Key 2017 MCAS Dates
December 15, 2017 Call letters to companies
January 24, 2018 Last day to submit 2016 corrections (See FAQ Document)
March - April, 2018 Self-study MCAS Courses available for all lines except Health
(Click here for more information)
March 15, 2018 2017 filings may be submitted via the online MCAS filing tool
April 30, 2018 MCAS submissions due for all lines of business except Health
April - July, 2018 MCAS Training Webinars for Health (Click here for more information)
July 1, 2018 MCAS industry scorecards posted to MCAS Web page for all lines of business except Health
September 30, 2018 MCAS submissions due for Health only
December 1, 2018 MCAS industry scorecards posted to MCAS Web page for Health only
2017 Health MCAS Scorecards (Updated 11/20/2018)

During the 2018 NAIC fall national meeting in San Francisco, the Market Analysis Procedures (D) Working Group determined that 2017 Health MCAS state scorecard ratio results will not be generated and posted to the NAIC MCAS web page.

Important Clarification for Health MCAS Reporting (Updated 3/29/2018)

It has come to our attention that some carriers may not be able to report certain claims for bundled services by line of service as the Data Call requests. Carriers are to report claims for bundled services as they are capable of reporting, in the most practical and reasonable manner possible. Within the Interrogatories section of each Health MCAS submission, carriers are to provide a written explanation of their coding and reporting methodology for services that are subjected to bundling.

New for 2017 Data Year
  • The Health MCAS was adopted on August 29, 2016 at the NAIC Executive/Plenary session during the NAIC Summer National Meeting. Health MCAS data will be collected for the first time beginning with the 2017 data year. The reporting deadline for the first filing year will be September 30, 2018.
  • The reporting threshold for Arkansas has changed. The Arkansas threshold was previously $7 million in premium for all MCAS lines of business. Beginning with the 2017 data year, the Arkansas threshold is $50,000 for all MCAS lines of business. Please note that LTC for all other participating jurisdictions requires reporting for any business written.
  • There are three different options you can now take for MCAS training. The first option is a self-study MCAS Course. You will be able to sign up for a week-long access to a self-study course that explains how to use the MCAS application and submit your data. This option is for all lines of business. The second option is for the new-for-2017 Health line of business. It is a live training webinar that you may take to further your understanding of the Health MCAS line of business. It will cover using the MCAS application and provide a review the data elements. The final option are new (free) online tutorials that go over the data call and definitions.
What Do Documents Found 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


  • Here you will find links to training opportunities that you can take advantage of to further your knowledge of the required MCAS submission process.


  • 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

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 2017 data year, MCAS data is collected for the following lines of business:

  • Health
  • Homeowners
  • Individual Annuity
  • Individual Life
  • Long-Term Care
  • Private Passenger Auto

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:

Important note – LTC and Health Filing Matrix

The MCAS application filing matrix displays a yellow "required to file" asterisk next to each state in which, according to your 2017 financial annual statement (FAS), you reported premium meeting the threshold requirements. The FAS LTC Reporting Forms 1 through 5 and the Supplemental Health Care Exhibit filing deadline is April 1. Therefore, the "required to file" asterisks will not be populated within the filing matrix until your company has submitted the corresponding forms.

Additionally, hybrid-LTC premium is only reported on a national basis and is not available to indicate "required to file" on a state basis. If your company only has hybrid-LTC business in a state, you will not see a "required to file" asterisk. You still MUST file an MCAS regarding your hybrid-LTC business regardless of whether you have a "required to file" asterisk on your filing matrix. Please note that the "required to file" indicator is only a guide. If you know you have relevant business to report, it must be reported whether or not you see the yellow "required to file" asterisk.


Please email questions to