保险业协会HR分析报告
合集下载
- 1、下载文档前请自行甄别文档内容的完整性，平台不提供额外的编辑、内容补充、找答案等附加服务。
- 2、"仅部分预览"的文档,不可在线预览部分如存在完整性等问题,可反馈申请退款(可完整预览的文档不适用该条件!)。
- 3、如文档侵犯您的权益，请联系客服反馈,我们会尽快为您处理(人工客服工作时间：9:00-18:30)。
CPI vs. CPI Medical Care 400
Standardized Cost
300 200 100 0
1967 1969 1971 1973 1975 1977 1979 1981 1983 1985 1987 1989 1991 1993 1995 1997 1999
Year Medical Care CPI Overall CPI
$6,000
+11.2% +8.1% +7.3% -2.9% +6.2%
$3,817 $3,594 $4,097 $4,430 $4,924
+14.7%
$5,646
$5,000
$4,000
$3,703
$3,000
$2,000
$1,000
$0 1996 1997 1998 1999 2000 2001 2002
The gap between CPI-U and medical care component is increasing
4
Comparison of Overall Growth Cumulative medical care CPI 89% greater than overall CPI since 1967
Aggregate Health Care Spending (1980 – 2010) Government portion of payments increasing; total projected to be over $2 trillion by 2009
$2,500
$2,000
In US $ Billions
November 3, 2004
Is it Time for Employers to Move Away From the Traditional Ways of Providing Employee Benefits?
Rich Bailey FSA, MAAA, FCA Richmond, VA
CPI-Medical Care
1996 3.5% 3.0% 1.2 1997 2.8% 2.3% 1.2 1998 3.2% 1.6% 2.0 1999 3.5% 2.2% 1.6 2000 3.9% 3.3% 1.2 2001 4.6% 2.8% 1.6 2002 4.7% 1.5% 3.1
Source: U.S. Bureau of Labor Statistics
The Environment Melace Changes Population Demographics Employer Outlook
The Catch-22
Paths Away from Traditional Delivery: Two Camps
Source: 2002 Mercer/Foster Higgins National Survey of Employer-sponsored Health Plans 3
Annual CPI Trend U.S. health care costs rise, despite continuing economic recession
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 6
10% 9% 8% 7% 6% 5% 4% 3% 2% 1% 0% 1990 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 CPI-All Urban Consumers
1990 CPI-Medical Care CPI Overall Ratio MC/Overall 9.0% 5.4% 1.7 1991 8.7% 4.2% 2.1 1992 7.4% 3.0% 2.5 1993 5.9% 3.0% 2.0 1994 4.8% 2.6% 1.8 1995 4.5% 2.8% 1.6
12.00%
10.1% 10.00% 8.0% 8.00% 6.9% 6.1% 6.00% 7.3% 8.1%
11.2%
Employers CPI-Medical CPI-All Items
4.00%
2.5%
2.1%
2.00% 0.2% 0.00% 1987 1988 1989 1990 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 -2.00% -1.1%
Agenda
The Environment The Catch-22 Paths Away from Traditional Delivery: Two Camps
Opportunities Along Path 2
The Answer Additional Topics
1
Agenda
Opportunities Along Path 2 The Answer Additional Topics
2
Double-Digit Increase for Second Year in a Row Per employee costs in excess of $5,600 per year
Data based on January 1 CPI values
2001
5
Employers’ Cost Increases Out-Pace Other Indicators Largest increase since 1990 (all employers)
20.00% 18.6% 18.00% 16.7% 16.00% 14.7% 14.00% 12.1% 17.1%
Standardized Cost
300 200 100 0
1967 1969 1971 1973 1975 1977 1979 1981 1983 1985 1987 1989 1991 1993 1995 1997 1999
Year Medical Care CPI Overall CPI
$6,000
+11.2% +8.1% +7.3% -2.9% +6.2%
$3,817 $3,594 $4,097 $4,430 $4,924
+14.7%
$5,646
$5,000
$4,000
$3,703
$3,000
$2,000
$1,000
$0 1996 1997 1998 1999 2000 2001 2002
The gap between CPI-U and medical care component is increasing
4
Comparison of Overall Growth Cumulative medical care CPI 89% greater than overall CPI since 1967
Aggregate Health Care Spending (1980 – 2010) Government portion of payments increasing; total projected to be over $2 trillion by 2009
$2,500
$2,000
In US $ Billions
November 3, 2004
Is it Time for Employers to Move Away From the Traditional Ways of Providing Employee Benefits?
Rich Bailey FSA, MAAA, FCA Richmond, VA
CPI-Medical Care
1996 3.5% 3.0% 1.2 1997 2.8% 2.3% 1.2 1998 3.2% 1.6% 2.0 1999 3.5% 2.2% 1.6 2000 3.9% 3.3% 1.2 2001 4.6% 2.8% 1.6 2002 4.7% 1.5% 3.1
Source: U.S. Bureau of Labor Statistics
The Environment Melace Changes Population Demographics Employer Outlook
The Catch-22
Paths Away from Traditional Delivery: Two Camps
Source: 2002 Mercer/Foster Higgins National Survey of Employer-sponsored Health Plans 3
Annual CPI Trend U.S. health care costs rise, despite continuing economic recession
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 6
10% 9% 8% 7% 6% 5% 4% 3% 2% 1% 0% 1990 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 CPI-All Urban Consumers
1990 CPI-Medical Care CPI Overall Ratio MC/Overall 9.0% 5.4% 1.7 1991 8.7% 4.2% 2.1 1992 7.4% 3.0% 2.5 1993 5.9% 3.0% 2.0 1994 4.8% 2.6% 1.8 1995 4.5% 2.8% 1.6
12.00%
10.1% 10.00% 8.0% 8.00% 6.9% 6.1% 6.00% 7.3% 8.1%
11.2%
Employers CPI-Medical CPI-All Items
4.00%
2.5%
2.1%
2.00% 0.2% 0.00% 1987 1988 1989 1990 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 -2.00% -1.1%
Agenda
The Environment The Catch-22 Paths Away from Traditional Delivery: Two Camps
Opportunities Along Path 2
The Answer Additional Topics
1
Agenda
Opportunities Along Path 2 The Answer Additional Topics
2
Double-Digit Increase for Second Year in a Row Per employee costs in excess of $5,600 per year
Data based on January 1 CPI values
2001
5
Employers’ Cost Increases Out-Pace Other Indicators Largest increase since 1990 (all employers)
20.00% 18.6% 18.00% 16.7% 16.00% 14.7% 14.00% 12.1% 17.1%