The main purpose of this project is to aid the Office of the Insurance Commissioner in its mission to promote a healthy insurance industry in Washington state and to protect consumers. The goal of the project is to improve our understanding of market dynamics in order to assist our efforts to promote a stable insurance market that includes healthy competition based on quality and cost. Our project will include exploring the available data and its best application in market analytics, understanding trends in service utilization and network access, assessing the impacts of pricing on consumer utilization and plan choice, and preparing analytical reports and analysis for stakeholders; Results will be used by and distributed to appropriately identified stakeholders to improve efficiency of the insurance market, promote competition based on quality and cost, inform regulatory development, and deliver value to consumers.