The Division of Economic and Health Policy Research conducts research on the medical liability market. It uses data from the AMA's Physician Practice Benchmark Survey to conduct original research on claim frequency and uses external data to examine trends in liability premiums, claim costs and the way claims are disposed.
Policy research perspective
Medical Professional Liability Insurance Premiums: An Overview of the Market from 2010 to 2019
Using data from the Annual Rate Survey Issues of the Medical Liability Monitor (MLM), this report (PDF) summarizes changes in medical liability premiums and provides examples of trends in premiums for select geographic areas for 2010 to 2019. The report has three main takeaways. First, the major trend in premiums has generally been one of increasing stability. The proportion of premiums that did not change from the previous year reached a high of 80.8 percent in 2018. Second, fewer premiums have been falling over time. The new data, however, mark a significant departure from prior year trends. The share of premiums that increased year-to-year went up substantially to 26.5 percent in 2019—the highest percentage observed since 2006. It is not yet clear, however, whether this signals a trend of increasing premiums or whether it may be just a blip.
Medical Liability Claim Frequency Among U.S. Physicians
Using data from the AMA’s 2016 Physician Practice Benchmark Survey, this report (PDF) estimates of claim frequency among U.S. physicians and explores whether the likelihood of claims varies by age, gender, specialty and practice arrangement. It finds that 34% of physicians have had a claim filed against them during their careers and that claim frequency varies by certain factors, particularly age, specialty and gender.
Medical Professional Liability Insurance Indemnity Payments, Expenses and Claim Disposition, 2006-2015
Using data from the PIAA, this report presents (PDF) information on trends in indemnity payments and expenses for medical liability claims that closed between 2006 and 2015. It also describes how claims are disposed and reports indemnity payments and expenses by claim disposition. This report finds that most claims that closed in 2015 were dropped, dismissed or withdrawn. It also finds that over the 2006-2015 period, indemnity payments were relatively stable and expenses incurred on claims increased substantially.
Previous policy research perspectives
Medical Professional Liability Insurance Premiums: An Overview of the Market from 2009 to 2018
This report presents (PDF) information on medical liability premiums based on 2009-2018 data from Annual Rate Survey Issues of the Medical Liability Monitor. It reports distributions of annual changes in premiums as well as premium trends for select geographic areas. The report finds increasing stability in premiums—reaching a high of 82 percent that remained the same between 2017 and 2018. This has been coincident with fewer decreases over time, with only 5 percent of premiums falling in 2018.