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Premiums Receivable
 12 Months Ended
Dec. 31, 2018
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,

 

 

 

2018

 

 

2017

 

 

 

(in thousands)

 

Premiums receivable

 

$

167,868

 

 

$

179,460

 

Allowance for doubtful accounts

 

 

(5,390

)

 

 

(5,226

)

Premiums receivable, net

 

$

162,478

 

 

$

174,234

 

 

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

 

  

 

December 31,

 

 

 

2018

 

 

2017

 

 

2016

 

 

 

(in thousands)

 

Balance, beginning of year

 

$

5,226

 

 

$

5,212

 

 

$

4,852

 

Provision for bad debts

 

 

883

 

 

 

1,394

 

 

 

1,646

 

Write-offs

 

 

(719

)

 

 

(1,380

)

 

 

(1,286

)

Balance, end of year

 

$

5,390

 

 

$

5,226

 

 

$

5,212

 

 

Included in premiums receivable at December 31, 2018, 2017 and 2016 is the Company’s estimate for EBUB premium of $7.5 million, $6.3 million and $7.7 million, respectively.