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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
$1,204.97
Trended Costs*
$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 (Trend - ABC)
N/A
$212.63
$240.01
$219.17
$323.53
$386.35
$423.95
$372.67
$341.50
PEPM % Difference
N/A
30%
31%
25%
37%
43%
45%
35%
28%
ABC Actual Change Year over Year
N/A
-16.1%
8.5%
14.6%
-1.3%
3.0%
5.1%
15.4%
11.6%
Trend Increases*
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%
97%
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 Savings vs. Trend
N/A
$4,059,472
$4,454,776
$4,019,715
$5,868,815
$6,981,275
$7,736,176
$6,835,561
$6,289,109
Cumulative Savings vs. Trend
N/A
$4,059,472
$8,514,248
$12,533,963
$18,402,779
$25,384,054
$33,120,229
$39,955,791
$46,244,900
*PricewaterhouseCoopers benchmarked annual healthcare trend.
Note: 2016 data is YTD of December 31, 2016.
Medical Trend History - PEPM
$840
$704
$764
$875
$864
$890
$936
$1,079
$1,205
$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