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Premiums Receivable | 12 Months Ended
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Dec. 31, 2014
Insurance [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,
| 2014 |  | 2013
|  | (in thousands)
Premiums receivable |  | $ | 184,128 |  |  | $ | 177,037 |
Allowance for doubtful accounts |  |  | (5,211 | ) |  |  | (5,458 | )
Premiums receivable, net |  | $ | 178,917 |  |  | $ | 171,579 |
The following summarizes the activity in the allowance for doubtful accounts:
|  | December 31,
|  | 2014 |  | 2013 |  | 2012
|  | (in thousands)
Balance, beginning of year |  | $ | 5,458 |  |  | $ | 6,424 |  |  | $ | 5,573 |
Provision for bad debts (1) |  |  | 673 |  |  |  | 52 |  |  |  | 2,230 |
Write-offs |  |  | (920 | ) |  |  | (1,018 | ) |  |  | (1,379 | )
Balance, end of year |  | $ | 5,211 |  |  | $ | 5,458 |  |  | $ | 6,424 |
(1) Includes a one-time adjustment of $1.7 million in 2013 as a result of a change in accounting estimate of uncollectible accounts based on historical experience. |
Included in premiums receivable at December 31, 2014, 2013 and 2012 is the Company’s estimate for EBUB premium of $5.2 million, $4.3 million and $3.0 million, respectively.

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- Definition The entire disclosure for premium amounts receivable by an insurance entity. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 4 -URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5074-111524 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 860 -SubTopic 20 -Section 50 -Paragraph 5 -URI http://asc.fasb.org/extlink&oid=13989330&loc=d3e107425-111719 Reference 3: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 944 -SubTopic 210 -Section S99 -Paragraph 1 -Subparagraph (SX 210.7-03.5) -URI http://asc.fasb.org/extlink&oid=6879938&loc=d3e572229-122910 Reference 4: http://www.xbrl.org/2003/role/presentationRef -Publisher SEC -Name Regulation S-X (SX) -Number 210 -Section 03 -Paragraph 5 -Article 7 Reference 5: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 235 -SubTopic 10 -Section S99 -Paragraph 4 -Subparagraph (SX 210.12-09) -URI http://asc.fasb.org/extlink&oid=26873400&loc=d3e24092-122690 Reference 6: http://www.xbrl.org/2003/role/presentationRef -Publisher SEC -Name Regulation S-X (SX) -Number 210 -Section 09 -Article 12 + Details
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