美国保险公司人力资源管理方案英文版 .pptxVIP

November 3, 2004Is it Time for Employers to Move Away From the Traditional Ways of Providing Employee Benefits? Rich Bailey FSA, MAAA, FCARichmond, VAAgendaThe EnvironmentThe Catch-22Paths Away from Traditional Delivery: Two CampsOpportunities Along Path 2The AnswerAdditional TopicsAgendaThe EnvironmentMedical TrendsLegislationMarketplace ChangesPopulation DemographicsEmployer OutlookThe Catch-22Paths Away from Traditional Delivery: Two CampsOpportunities Along Path 2The AnswerAdditional Topics+14.7%+11.2%+8.1%+7.3%-2.9%+6.2%Source: 2002 Mercer/Foster Higgins National Survey of Employer-sponsored Health PlansDouble-Digit Increase for Second Year in a RowPer employee costs in excess of $5,600 per yearThe gap between CPI-U and medical care component is increasingAnnual CPI Trend U.S. health care costs rise, despite continuing economic recessionData based on January 1 CPI valuesComparison of Overall Growth Cumulative medical care CPI 89% greater than overall CPI since 196720.00%18.6%18.00%17.1%16.7%16.00%14.7%14.00%12.1%12.00%11.2%10.1%Employers10.00%8.1%CPI-Medical8.0%8.00%7.3%CPI-All Items6.9%6.1%6.00%4.00%2.5%2.1%2.00%0.2%0.00%1987198819891990199119921993199419951996199719981999200020012002-1.1%-2.00%Includes medical, dental and pharmacySource: 2002 Mercer/Foster Higgins National Survey of Employer-sponsored Health PlansResults for Employers with 500 or more livesEmployers’ Cost Increases Out-Pace Other Indicators Largest increase since 1990 (all employers)Source: CMSAggregate Health Care Spending (1980 – 2010) Government portion of payments increasing; total projected to be over $2 trillion by 2009Medical TrendsPop QuizHow many years will it take gross medical costs to double, assuming no specific employer interventions or national health care?10 or more98765 or fewerMedical TrendsResponses from a group of 25 actuaries who had time to get their calculatorsLegislationMedicare Prescription DrugsIf made into law, will have major impact on retiree benefits and strate