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Reinsurance
 12 Months Ended
Dec. 31, 2025
Reinsurance Disclosures [Abstract]  
Reinsurance Reinsurance
We reinsure certain risks with other companies and assume risk from other companies. We remain primarily liable to policyholders under ceded insurance contracts and are contingently liable for amounts recoverable from reinsurers in the event that such reinsurers do not meet their contractual obligations.
A summary of direct, assumed and ceded premiums earned for the years ended December 31, 2025, 2024 and 2023 is as follows:
 202520242023
Direct$159,653$139,479$136,927
Assumed5,1004,7535,988
Ceded(114)(66)(61)
Net premiums$164,639$144,166$142,854
Percentage—assumed to net premiums
3.1%3.3%4.2%
The difference between written premiums and earned premiums is immaterial in each of the years presented above. All assumed and ceded activity reflected in the table above relates to our Health Benefits reportable segment.
The effect of reinsurance on benefit expense for the years ended December 31, 2025, 2024 and 2023 is as follows:
202520242023
Direct$143,820 $123,602 $119,409 
Assumed4,475 4,021 4,984 
Ceded(72)(56)(63)
Net benefit expense$148,223 $127,567 $124,330