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Premium Deficiency Reserve
 3 Months Ended
Mar. 31, 2015
Premium Deficiency Reserve [Abstract]  
Premium Deficiency Reserve
Note 13 – Premium Deficiency Reserve

The components of the premium deficiency reserve at March 31, 2015, December 31, 2014 and March 31, 2014 appear in the table below.

  
March 31,
2015
  
December 31, 2014
  
March 31,
2014
 
  
(In millions)
 
Present value of expected future paid losses and expenses, net of expected future premium
 
$
(519
)
 
$
(554
)
 
$
(622
)
             
Established loss reserves
  
502
   
530
   
579
 
             
Net deficiency
 
$
(17
)
 
$
(24
)
 
$
(43
)

The decrease in the premium deficiency reserve for the three months ended March 31, 2015 and 2014 was $7 million and $5 million, respectively, which represents the net result of actual premiums, losses and expenses as well as a net change in assumptions for these periods. The net change in assumptions for the three months ended March 31, 2015 and 2014 is primarily related to higher estimated ultimate premiums.