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Reinsurance (Tables) | 12 Months Ended
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Dec. 31, 2017
Reinsurance Disclosures [Abstract] |
Effect of Reinsurance on Premiums Written and Earned | The effect of reinsurance on premiums written and earned for the years ended December 31, was as follows:
| 2017 |  | 2016 |  | 2015
(millions) | Written |  | Earned |  |  | Written |  | Earned |  |  | Written |  | Earned |
Direct premiums | $ | 27,860.7 |  | $ | 26,425.7 |  |  | $ | 23,941.9 |  | $ | 23,111.2 |  |  | $ | 21,086.5 |  | $ | 20,454.1 |
Ceded premiums: |  |  |  |  |  |  |  |
Regulated plans | (505.9 | ) | (479.6 | ) |  | (439.4 | ) | (425.1 | ) |  | (358.0 | ) | (362.6 | )
Non-Regulated plans | (222.7 | ) | (216.2 | ) |  | (149.0 | ) | (212.1 | ) |  | (164.5 | ) | (192.4 | )
Total ceded premiums | (728.6 | ) | (695.8 | ) |  | (588.4 | ) | (637.2 | ) |  | (522.5 | ) | (555.0 | )
Net premiums | $ | 27,132.1 |  | $ | 25,729.9 |  |  | $ | 23,353.5 |  | $ | 22,474.0 |  |  | $ | 20,564.0 |  | $ | 19,899.1 |
Prepaid Reinsurance Premiums and Reinsurance Recoverables | Our prepaid reinsurance premiums and reinsurance recoverables were comprised of the following at December 31:
| Prepaid Reinsurance Premiums |  | Reinsurance Recoverables
($ in millions) | 2017 |  | 2016 |  | 2017 |  | 2016
Regulated plans: |  |  |  |  |  |  |  |  |  |  |
MCCA | $ | 44.3 |  | 22 | % |  | $ | 36.5 |  | 21 | % |  | $ | 1,611.5 |  | 71 | % |  | $ | 1,452.7 |  | 77 | %
CAIP | 50.0 |  | 25 |  |  | 40.2 |  | 24 |  |  | 218.0 |  | 10 |  |  | 170.6 |  | 9 |
NCRF | 31.5 |  | 15 |  |  | 27.5 |  | 16 |  |  | 74.2 |  | 3 |  |  | 67.0 |  | 4 |
NFIP | 53.8 |  | 26 |  |  | 49.1 |  | 29 |  |  | 148.8 |  | 7 |  |  | 78.5 |  | 4 |
Other | 0.3 |  | 0 |  |  | 0.1 |  | 0 |  |  | 8.2 |  | 0 |  |  | 3.5 |  | 0 |
Total Regulated plans | 179.9 |  | 88 |  |  | 153.4 |  | 90 |  |  | 2,060.7 |  | 91 |  |  | 1,772.3 |  | 94 |
Non-Regulated plans: |  |  |  |  |  |  |  |  |  |  |
Property | 9.1 |  | 5 |  |  | 3.2 |  | 2 |  |  | 138.6 |  | 6 |  |  | 62.9 |  | 3 |
Other | 14.3 |  | 7 |  |  | 13.9 |  | 8 |  |  | 74.1 |  | 3 |  |  | 49.6 |  | 3 |
Total Non-Regulated plans | 23.4 |  | 12 |  |  | 17.1 |  | 10 |  |  | 212.7 |  | 9 |  |  | 112.5 |  | 6 |
Total | $ | 203.3 |  | 100 | % |  | $ | 170.5 |  | 100 | % |  | $ | 2,273.4 |  | 100 | % |  | $ | 1,884.8 |  | 100 | %

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