Milliman's 2010 Group Health Insurance Survey reports information on the nation's HMOs and fully insured PPOs that serve the commercial large- or mid-group markets. Milliman's survey provides a unique perspective in that it asks HMOs and PPOs to respond regarding a given set of group health benefits and demographics. The survey removes three important factors that can skew the results presented in other health cost surveys: changes in plan design, shifts in premium sharing between employer and employee, and member demographics. This perspective allows for easy comparisons among different areas of the country as well as comparisons between the years shown in the survey. Companies use the survey results to benchmark their financials to the competition and to explore expansion into neighboring markets
Results are presented separately by metropolitan statistical area (MSA), state, region, and nationwide, and are shown separately for HMOs and PPOs when possible.
Milliman's 2010 Group Health Insurance Survey provides a comprehensive view of key rating statistics including:
- Total per member premium rates
- Single and family premium rates
- Anticipated future renewal rate increases
- Cost and premium trends over time
- Prescription drug costs
- Provider contracting changes and cost saving initiatives due to health care reform legislation
- Market strategy changes due to health care reform legislation
- Preparation for ICD-10 coding
Values from Milliman's internal databases are provided for the following:
- Commercial inpatient utilization and charge levels
- Physician reimbursement levels as a percent of Medicare RBRVS
- Medical expense ratios
- Profit levels
Individual survey responses and participant identities are kept strictly confidential. The table of contents, sample exhibit, order form, and contact information for the authors is provided on the right.
