2014-09-22-奥纬咨询-Carrier_Trend_Report_-_July_2014_24页_472kb

July 2014 Carrier Trends Analysis

This report summarizes the July 2014 health insurance carrier trends from Oliver Wyman's survey. Key categories include group medical, prescription drug, dental, vision, Medicare supplements, Medicare advantage, high deductible health plans, individual medical, stop loss, and ASO fees. The median trends reflect changes from the January 2014 survey. Here's a summary of key findings:

• Group Medical: Median trends decreased overall. Group medical indemnity had the highest median trend at 9.25%, followed by PPO, POS, and HMO. Trends were generally down from January 2014.

• Prescription Drug: Median trend increased to 9.25%, continuing a mixed trend but showing recent increases after years of declines.

• Dental and Vision: Dental median trend stabilized, while vision trends remained largely unchanged, with group dental and vision trends converging.

• Medicare Products: Medicare supplement with drug coverage median trend rose by 1.90 percentage points, while without drug coverage decreased slightly. Medicare advantage with and without drug coverage showed stable trends around 3.50%. Medicare Part D median trend stayed flat.

• High Deductible Health Plans and Individual Medical: Individual medical HSA with drug coverage saw a median trend increase to 9.50%, while other HSA and individual medical HMO/PPO decreased. Group HSA trends mixed, with those with drug coverage higher than those without.

• Stop Loss and ASO Fees: Specific stop loss trends decreased, with median for $50,000 coverage at 12.65% and $150,000 at 15.04%. ASO fees remained stable at 3.00%.

• Medicaid: Median trend increased to 2.55%, with minimal changes due to low response volume.

Historical comparison: Trends showed long-term declines in some categories, such as group medical responses, but recent shifts in July 2014 indicate increases in prescription drug and selected Medicare products. Data includes over 90 carriers with exposures totaling tens of millions across categories.