MERCER为美国保险业协会做的绝密HR报告资料
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Results for Employers with 500 or more lives
Aggregate Health Care Spending (1980 – 2010) Government portion of payments increasing; total projected to be over $2 trillion by 2009
Standardized Cost 1967 1969 1971 1973 1975 1977 1979 1981 1983 1985 1987 1989 1991 1993 1995 1997 1999 2001
CPI vs. CPI Medical Care 400 300 200 100
0
Year
The gap between CPI-U and medical care component is increasing
Comparison of Overall Growth Cumulative medical care CPI 89% greater than overall CPI since 1967
Annual CPI Trend U.S. health care costs rise, despite continuing economic recession
10% 9% 8% 7% 6% 5% 4% 3% 2% 1% 0% 1990 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002
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
2.5% 2.1%
0.00%
0.2%
1987 1988 1989 1990 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002
-2.00%
-1.1%
Includes medical, dental and pharmacy Source: 2002 Mercer/Foster Higgins National Survey of Employer-sponsored Health Plans
C P I O v e r a ll
5 .4 %4 .2 %3 .0 %3 .0 %2 .6 %2 .8 %3 .0 %2 .3 %1 .6 %2 .2 %3 .3 %2 .8 %1 .5 %
R a tio M C /O v e r a ll 1 .7 2 .1 2 .5 2 .0 1 .8 1 .6 1 .2 1 .2 2 .0 1 .6 1 .2 1 .6 3 .1 S o u r c e :U .S .B u r e a u o fL a b o rS ta tis tic s
Double-Digit Increase for Second Year in a Row Per employee costs in excess of $5,600 per year
$6,000 $5,000 $4,000 $3,703 $3,000
-2.9% $3,594
+6.2% $3,817
CPI-All Urban Consumers
CPI-Medical Care
1 9 9 0 1 9 9 1 1 9 9 2 1 9 9 3 1 9 9 4 1 9 9 5 1 9 9 6 1 9 9 7 1 9 9 8 1 9 9 9 2 0 0 0 2 0 0 1 2 0 0 2
C P I- M e d ic a lC a r e9 .0 %8 .7 %7 .4 %5 .9 %4 .8 %4 .5 %3 .5 %2 .8 %3 .2 %3 .5 %3 .9 %4 .6 %4 .7 %
Agenda
The Environment The Catch-22 Paths Away from Traditional Delivery: Two Camps Opportunities Along Path 2 The Answer Additional Topics
Agenda
+7.3% $4,097
Biblioteka Baidu
+11.2% +8.1% $4,924
$4,430
+14.7% $5,646
$2,000
$1,000
$0 1996
1997
1998
1999
2000
2001
2002
Source: 2002 Mercer/Foster Higgins National Survey of Employer-sponsored Health Plans
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
Medical Care CPI
Overall CPI
Data based on January 1 CPI values
Employers’ Cost Increases Out-Pace Other Indicators Largest increase since 1990 (all employers)
20.00% 18.00% 16.00%
18.6% 17.1%
16.7%
14.00%
12.00%
10.00%
8.00% 6.9%
6.00%
12.1% 10.1% 8.0%
14.7%
11.2%
8.1% 7.3% 6.1%
Employers
CPI-Medical CPI-All Items
4.00% 2.00%
Aggregate Health Care Spending (1980 – 2010) Government portion of payments increasing; total projected to be over $2 trillion by 2009
Standardized Cost 1967 1969 1971 1973 1975 1977 1979 1981 1983 1985 1987 1989 1991 1993 1995 1997 1999 2001
CPI vs. CPI Medical Care 400 300 200 100
0
Year
The gap between CPI-U and medical care component is increasing
Comparison of Overall Growth Cumulative medical care CPI 89% greater than overall CPI since 1967
Annual CPI Trend U.S. health care costs rise, despite continuing economic recession
10% 9% 8% 7% 6% 5% 4% 3% 2% 1% 0% 1990 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002
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
2.5% 2.1%
0.00%
0.2%
1987 1988 1989 1990 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002
-2.00%
-1.1%
Includes medical, dental and pharmacy Source: 2002 Mercer/Foster Higgins National Survey of Employer-sponsored Health Plans
C P I O v e r a ll
5 .4 %4 .2 %3 .0 %3 .0 %2 .6 %2 .8 %3 .0 %2 .3 %1 .6 %2 .2 %3 .3 %2 .8 %1 .5 %
R a tio M C /O v e r a ll 1 .7 2 .1 2 .5 2 .0 1 .8 1 .6 1 .2 1 .2 2 .0 1 .6 1 .2 1 .6 3 .1 S o u r c e :U .S .B u r e a u o fL a b o rS ta tis tic s
Double-Digit Increase for Second Year in a Row Per employee costs in excess of $5,600 per year
$6,000 $5,000 $4,000 $3,703 $3,000
-2.9% $3,594
+6.2% $3,817
CPI-All Urban Consumers
CPI-Medical Care
1 9 9 0 1 9 9 1 1 9 9 2 1 9 9 3 1 9 9 4 1 9 9 5 1 9 9 6 1 9 9 7 1 9 9 8 1 9 9 9 2 0 0 0 2 0 0 1 2 0 0 2
C P I- M e d ic a lC a r e9 .0 %8 .7 %7 .4 %5 .9 %4 .8 %4 .5 %3 .5 %2 .8 %3 .2 %3 .5 %3 .9 %4 .6 %4 .7 %
Agenda
The Environment The Catch-22 Paths Away from Traditional Delivery: Two Camps Opportunities Along Path 2 The Answer Additional Topics
Agenda
+7.3% $4,097
Biblioteka Baidu
+11.2% +8.1% $4,924
$4,430
+14.7% $5,646
$2,000
$1,000
$0 1996
1997
1998
1999
2000
2001
2002
Source: 2002 Mercer/Foster Higgins National Survey of Employer-sponsored Health Plans
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
Medical Care CPI
Overall CPI
Data based on January 1 CPI values
Employers’ Cost Increases Out-Pace Other Indicators Largest increase since 1990 (all employers)
20.00% 18.00% 16.00%
18.6% 17.1%
16.7%
14.00%
12.00%
10.00%
8.00% 6.9%
6.00%
12.1% 10.1% 8.0%
14.7%
11.2%
8.1% 7.3% 6.1%
Employers
CPI-Medical CPI-All Items
4.00% 2.00%