### Question
How does HEALTH INSURANCE define estimated net claims costs?


### Answer
Under *5 U.S.C. § 8909a*, **estimated net claims costs** is defined as:

> the difference between—


(1) the sum of—


(A) the estimated costs incurred by a carrier in providing health services to, paying for health services provided to, or reimbursing expenses for health services provided to, annuitants of the United States Postal Service and any other persons covered under the enrollment of such annuitants; 

#### Citation:
  - *5 U.S.C. § 8909a*
  - Heading: **PART III-EMPLOYEES > Subpart G-Insurance and Annuities > CHAPTER 89-HEALTH INSURANCE**

