This document is about an analysis of healthcare subrogation practices and the extent of subrogation recoveries in the U.S. The report reviews the economic, legal, and accounting/actuarial perspectives on subrogation, and presents data on subrogation prevalence and recovery amounts from limited public sources, including an industry benchmarking study, regulatory filings in Ohio and Maryland, and audits of federal employee health plans. The analysis suggests subrogation recoveries are a small fraction of overall healthcare expenditures, likely in the range of 0.2% to 0.3% of health insurance claims or premiums.
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