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PEPM
2008
2009
2010
2011
2012
2013
2014
2015
2016 (YTD)
Total Actual Average Medical Costs PEPM*
$839.79
$704.42
$764.16
$875.38
$864.05
$890.31
$935.69
$1,079.42
$1,152.01
Trended Costs (PWC)
$839.79
$917.05
$1,004.17
$1,094.55
$1,187.58
$1,276.65
$1,359.63
$1,452.09
$1,546.48
PEPM Difference (PWC - ABC)
N/A
$212.63
$240.01
$219.17
$323.53
$386.35
$423.95
$372.67
$394.47
PEPM % Difference
N/A
30%
31%
25%
37%
43%
45%
35%
34%
AoA Actual Change Year over Year
N/A
-16.1% 8.5% 14.6% -1.3% 3.0% 5.1% 15.4% 6.7%
Trend Increases (PWC)
N/A
9.2% 9.5% 9.0% 8.5% 7.5% 6.5% 6.8% 6.5%
Loss Ratio
92%
73%
78%
86%
82%
81%
81%
91%
93%
Average Monthly Covered Employees
1,651
1,591
1,547
1,528
1,512
1,506
1,521
1,529
1,535
Year over Year Change
N/A
-3.6% -2.8% -1.2% -1.1% -0.4% 1.0% 0.5% 0.4%
Annual Variance vs. Trend (Savings)
N/A $4,059,472
$4,454,776
$4,019,715
$5,868,815
$6,981,275
$7,736,176
$6,835,561
$7,264,417
Cumulative Variance vs. Trend (Savings)
N/A $4,059,472
$8,514,248
$12,533,963 $18,402,779 $25,384,054 $33,120,229 $39,955,791 $47,220,208
*Includes RX & Stop Loss Reimbursements
Note: 2016 data is YTD of November 30, 2016.
Medical Trend History - PEPM
$840
$704
$764
$875
$864
$890
$936
$1,079
$1,152
$917
$1,004
$1,095
$1,188
$1,277
$1,360
$1,452
$1,546
$600
$700
$800
$900
$1,000
$1,100
$1,200
$1,300
$1,400
$1,500
$1,600
2008
2009
2010
2011
2012
2013
2014
2015
2016 (YTD)
ABC Actual PEPM
ABC Trended (PWC)