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Reinsurance (Tables)
12 Months Ended
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
%