2021-10-06-奥纬咨询-Carrier_Trend_Report_-_July_2021_23页_482kb

报告摘要

Carrier Trend Report Summary

This Oliver Wyman report analyzes pricing trends for healthcare insurance products in the United States, based on July 2021 carrier survey data. The report covers group and individual medical, dental, vision, Medicare products, and stop-loss fees.

Key findings:

Overall Trends

Group medical products (Indemnity, PPO, POS, HMO) saw mixed trends:
- PPO median trend slightly increased by 0.50% (6.80% in July 2021).
- Indemnity decreased by 2.20% (8.50% now).
- Dental and vision trends saw slight increases, led by prescription drug increases.
Prescription drug median trend increased by 0.30% (now 8.70%).
The report includes over 94 million group members and 39 million individual policies across surveyed products.

Group Medical Trends

PPO median: 6.80%
Medicare Supplement: Trend increased 0.65–0.70%, with drug-dependent plans showing steady growth.
Medicaid: Median trend increased by 0.60% to 3.40%.
Individual medical products saw a decline overall, with PPO decreasing by 2.50% to 4.90%.
High Deductible Health Plans (HSA) varied from 5.90% to 6.90%.
ASO fees remain steady at 3.00% since 2014.

Challenges & Updates

Data sample limitations: Some trend variations may be due to differing provider mixes.
Pricing subdivisions: Added specific stop-loss tiers ($50k, $250k, $1M) and updated Medicare Part D categorizations.

Conclusion

The trends reflect insurers adapting to market dynamics, with carriers balancing premium value and product coverage amid regulatory shifts. The data serves as a foundation for pricing strategies and understanding competitive positioning.

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