Milliman's Group Health Insurance Survey™ stands as the only HMO/PPO survey measuring premiums and experience based on a uniform population and benefit design. Published in fall, the Survey provides statistics on fully insured HMOs and PPOs that serve the commercial large or midgroup market. Companies use the Survey to benchmark their financials to the competition.

HMO and PPO results are presented separately by metropolitan statistical area (MSA), state, region, and nationwide. The results are based on questions answered by at least three companies. Company identities are kept strictly confidential.

Statistics include:

• hospital, physician, prescription drug and administration costs
• single/family premium rates
• anticipated rate increases
• annual premium and cost trends
• inpatient utilization and charge levels
• physician reimbursement levels
• medical expense ratios
• adoption of consumer-driven approaches
• directional issues such as disease management, wellness, and other industry hot topics