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Premiums Receivable
 12 Months Ended
Dec. 31, 2012
Premiums Receivable [Abstract]  
Premiums Receivable
3. Premiums Receivable

Premiums receivable consist primarily of premium-related balances due from policyholders. The balance is shown net of the allowance for doubtful accounts. The components of premiums receivable are shown below:

 

                 
    December 31,  
  2012     2011  
    (In thousands)  

Premiums receivable

   $ 148,374     $ 126,796  

Allowance for doubtful accounts

     (6,424 )      (5,573 ) 
   

 

 

    

 

 

  

Premiums receivable, net

   $ 141,950     $ 121,223  
   

 

 

    

 

 

  

The following summarizes the activity in the allowance for doubtful accounts:

 

                         
    December 31,  
    2012     2011     2010  
    (In thousands)  

Balance, beginning of year

   $ 5,573     $ 5,104     $ 4,917  

Provision for bad debts

     2,230       1,209       915  

Write-offs

     (1,379 )      (740 )      (728 ) 
   

 

 

    

 

 

    

 

 

  

Balance, end of year

   $ 6,424     $ 5,573     $ 5,104  
   

 

 

    

 

 

    

 

 

  

Included in premiums receivable at December 31, 2012, 2011 and 2010 is the Company’s estimate for EBUB premium of $3.0 million, $2.1 million and $1.8 million, respectively.