美国保险公司人力资源方案.ppt

Rich Bailey FSA, MAAA, FCA
Richmond, VA
Is it Time for Employers to Move Away From the Traditional Ways of Providing Employee Benefits?
November 3, 2004
Agenda
The Environment
The Catch-22
Paths Away from Traditional Delivery: Two Camps
Opportunities Along Path 2
The Answer
Additional Topics
1
Agenda
The Environment
Medical Trends
Legislation
Marketplace Changes
Population Demographics
Employer Outlook
The Catch-22
Paths Away from Traditional Delivery: Two Camps
Opportunities Along Path 2
The Answer
Additional Topics
2
Double-Digit Increase for Second Year in a RowPer employee costs in excess of $5,600 per year
-%
+%
+%
+%
+%
+%
Source: 2002 Mercer/Foster Higgins National Survey of Employer-sponsored Health Plans
3
Annual CPI Trend . health care costs rise, despite continuing economic recession
The gap between CPI-U and medical ponent is increasing
4
Comparison of Overall Growth Cumulative medical care CPI 89% greater than overall CPI since 1967
Data based on January 1 CPI values
5
Employers’ Cost Increases Out-Pace Other Indicators Largest increase since 1990 (all employers)
Includes medical, dental and pharmacy
Source: 2002 Mercer/Foster Higgins National Survey of Employer-sponsored Health Plans
Results for Employers with 500 or more lives
%
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%
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1987
1988
1989
1990
1991
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2002
Employers
CPI-Medical
CPI-All Items
6
Aggregate Health Care Spending (1980 – 2010) Government portion of payments increasing; total projected to be over $2 trillion by 2009
Source: CMS
7
Medical Trends
Pop Quiz
How many years will it take gross medical costs to double, assuming no specific employer interventions or national health care?
10 or more
9
8
7
6
5 or fewer
8
Medical Tren