There are three main insurance sectors. Property/casualty (P/C) consists mainly of auto, home and commercial insurance. Life/annuity consists mainly of life insurance and annuity products. Most private health insurance is written by insurers whose main business is health insurance. However, life/annuity and P/C insurers also write health coverage. In 2018 P/C net premiums written rose by 10,7 percent while life/annuity net premiums written rose at a slower rate, 1.0 percent.