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:

• total, single and family premium rates
• anticipated rate increases
• annual premium and cost trends
• prescription drug costs
• inpatient utilization and charge levels
• physician reimbursement levels versus Medicare RBRVS
• medical expense ratios
• profit levels
• directional issues such as premium savings through higher deductibles, growth in consumer driven health, broker commissions, and ICD-10 code implementation