Group Health Ins Rates and Stratagies Grant Davis GDI

8/8/2019 Group Health Ins Rates and Stratagies Grant Davis GDI

1/55

Niovèsnia Kèdzk Oev` Ocszs

eij ^cpv @m|dc~`` Kèdzk \ dei\v`sìz`j f~2 AJN Nispveio` Eaìo~$ Nio)

5


2/55

Qk`v` Ev` Q`3E _ie|skcz cg zk` Kèdzk Oev` Ocsz _nzpeznci

Kèdzk oev` ocszs kew` f`ì niovèsnia ez eiedevmnia vez` gcv ièvd~ e jòej`

P|qevj zvìj ni kèdzk oev` ocszs ev`sdcqnia$ ~`z ocsz niovès`s ev` cpz|eonia zk`vez` cg nigdeznci)

Ocszs niovès`j ni 6


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Iezncied ZvìjsEw`vea` Eiiped Kèdzk Oev` Ocsz Niovès`s

_cpvo`2 K`qnzz Kèdzk Wedp` Ninzneznw`$ 6


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Iezncied ZvìjsKèdzk Fì`gnz Ocszs

_cpvo`2 K`qnzz Kèdzk Wedp` Ninzneznw`$ 6)5%

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Iezncied Zvìjs_kngz zc Ocispm`vnsm ^n`djs OJK\ Avcqzk

\`voìzea` cg edd m|dc~`vs cgg`vnia e ocispm`v-jnvòz`j kèdzk |dei +OJK\. fes`j ci `nzk`v e kèdzkv`nmfpvs`mìz eoocpiz +KVE. cv e kèdzk sewniaseoocpiz +K_E. ociznip`s zc vns` +niovès` ni 6


8/55

Iezncied Zv`ijs_kngz zc Ocispm`vnsm ^n`djs OJK\ Avcqzk

OJK\s j`dnw`v`j spfszeiznedd~ dcq`v ocszs |`v`m|dc~`` zkei \\Cs cv KMCs ni 6


9/55

Iezncied ZvìjsGeozcvs Dèjnia zc Niovès`j Kèdzk Oev` Ocszs

_`w`ved mevh`z ocijnzncisqcvhnia ni zeij`m kew` d`j zce jòej` cg piv`dez`j kèdzkoev` ocsz niovès`s)

Pij`vszeijnia eiiped kèdzk|dei vì`qed vez` niovès`s ns`ssìzned ni gcvmpdezniaedz`vieznw`s eij scdpzncis zc

|dei okeddìa`s) Nz ns edsc|`vzniìz gcv `jpoeznia`m|dc~``s efcpz zk` vezncied`f`knij ei~ |dei cv ocizvnfpznciokeia`s f`nia nizvcjpo`j)


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Kcq Jnj Q` A`z K`v`3Geozcvs Dèjnia zc Niovès`j Kèdzk Oev` Ocszs

J`mcave|knos

c Zk`v` ns e spfsùpìz vns` ni zk` coopvvìo` cgokvcino jnsès`s eszkme$ kèvz jnsès` eij

oeio`v eij e v`dpozeiz i``j gcv mcv` v`scpvo`szc gnakz zk`s` jnsès`s)

c Dèjs zc `d`wez`j pzndnreznci cg |v`sovn|znci jvpaseij czk`v m`jnoed s`vwno`s$ eij ei cw`vedd vns` ni

jcddev `{|ìjnzpv`s ci kèdzk oev`)


11/55


J`mcave|knos Jvemezno Vns` cg \v`sovn|znci Jvpa Ocszs


12/55

Kcq Jnj Q` A`z K`v`3Jvemezno Vns` ni \v`sovn|znci Jvpa Ocszs

Eoocvjnia zc O`iz`vs gcv M`jnoev` ' M`jnoenj_`vwno`s +OM_.2

c _|`ijnia ni zk` P)_) gcv |v`sovn|znci jvpas qes*657)1 fnddnci ni 6


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Ew`vea` Eiiped \`voìzea` Okeia` ni _`dòz`j Iezncied Kèdzk@{|ìjnzpv`s$ 5>>7-67-6

1 17

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\`vo`iz cg Zczed Iezncied \v`sovn|znci Jvpa @{|`ijnzpv`s f~ Z~|` cg\e~`v$ 5>>< 5>>6 5>>: 5>>7 5>>; 6


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Jnszvnfpznci cg Zczed \pfdno \v`sovn|znci Jvpa @{|`ijnzpv`s f~Z~|` cg \e~`v$ 6


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c Okeia`s ni Z~|`s cg Jvpas Ps`j

Es i`q jvpas ìz`v zk` mevh`z eij `{nsznia ci`s dcsz|ezìz |vczòznci$ s|ìjnia ns eggòz`j) Ng i`q jvpas

ev` ps`j ni |deo` cg d`ss `{|ìsnw`$ cdj`v ci`s$s|ìjnia niovès`s cw`vedd)

Ng i`q jvpas sp||d`mìz vezk`v zkei v`|deo` cdj jvpazvèzmìzs$ cv ng zk`~ zvèz e ocijnznci icz |v`wncpsd~zvèz`j$ s|ìjnia oei niovès`)

I`q jvpas oei v`jpo` s|ìjnia ng zk`~ ìz`v zk`mevh`z ez e dcq`v |vno` |cniz zkei `{nsznia jvpas$ cvqkì `{nsznia fveij jvpas dcs` |ezìz |vczòznci eijgeo` ocm|`znznci gvcm dcq`v |vno`j aì`vnos)


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\vnmev~ vèscis gcv niovès`jjvpa ocszs

c Ejw`vznsnia

_|ìjnia gcv ocispm`v

ejw`vznsnia ni 67 +*?)1 fnddnciw`vsps *


20/55

Kcq Jnj Q` A`z K`v`3\v`sovn|znci Jvpas eij Nispveio` Ocw`vea`

Pinispv`j ejpdzs ea`s 5; zc 7: ev` mcv` zkeizqno` es dnh`d~ es zkcs` qkc ev` nispv`j zc ewcnjgnddnia e |v`sovn|znci$ opzznia p| |ndds cv shn||niajcs`s cg m`jnoeznci f`oeps` cg ocszs)

c Jvpa ocw`vea` ocm`s gvcm zk` gcddcqniascpvo`s2

@m|dc~`v ocw`vea`

M`jnoev`

M`jnoenj

j


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@m|dc~`v Nispveio` Ocw`vea`2

c \vcwnj`s 511 mnddnci Em`vnoeis qnzk ocw`vea` ni

6


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M`jnoev`2

c Zk` M`jnoev` \v`sovn|znciJvpa$ Nm|vcw`m`iz eijMcj`vinreznci Eoz cg6


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Kcq Jnj Q` A`z K`v`3Opvfnia Knak \v`sovn|znci Jvpa Ocszs

E wevn`z~ cg |pfdno eij |vnwez` szvezàn`s kew` f`ì`m|dc~`j zc zv~ eij ocizeni vnsnia |v`sovn|znci jvpaocszs$ niodpjnia2

c Pzndnrnia meiea`mìz szvezàn`s

c Jnsocpizs eij v`fez`s

c M`jnoenj

c M`jnoev`

c \pvokesnia \ccdsc Ocispm`v Eoznci

c Nm|cvzeznci

K Jnj Q A z K 3


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Pzndnreznci Meiea`mìz _zvezàn`s2c Kèdzk |deis kew` `{odpj`j o`vzeni jvpas gvcm

ocw`vea`$ ps`j upeiznz~ jns|ìsnia dnmnzs eijniovès`j ìvcdd`` ocsz-skevnia emcpizs)

Ni 6


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Iezncied Zv`ijs\v`sovn|znci Jvpas eij Nispveio` Ocw`vea`

Emcia Ocw`v`j Qcvh`vs qnzk Zkv``- cv Gcpv-Zn v \v`sovn|znci JvpaOcsz _kevnia$ Ew`vea` Oc|e~s$ 6


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Jnsocpizs eij V`fez`s2

c Jvpa |vcavems +|pfdno eij |vnwez`. iàcznez`qnzk |kevmeo`pznoed meipgeozpv`vs zc vò`nw`

jnsocpizs eij v`fez`s e||dn`j fes`j ci wcdpm`$|vcm|z |e~mìz eij mevh`z skev`)

c Meipgeozpv`vs qkc qeiz jvpas ocw`v`j f~M`jnoenj mpsz |vcwnj` v`fez`s zc szez` M`jnoenj

|vcavems gcv jvpas |pvokes`j)c _cm` szez`s kew` iàcznez`j ejjnzncied v`fez`s

cv sp||d`mìzed v`fez`s)

K Jnj Q A z K 3


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M`jnoenj2

c Zk` J`gnonz V`jpoznci Eoz cg 6


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\pvokesnia \ccdsc _cm` |pfdno eij |vnwez` cvaeinrezncis kew`

feij`j zca`zk`v zc gcvm |v`sovn|znci jvpa|pvokesnia |ccds zc niovès` zk`nv |pvokesnia

|cq`v zkvcpak knak`v wcdpm` eij skev`j`{|`vzns`) _cm` cg zk`s` |pvokesnia |ccdsniodpj`2

J`|evzmìz cg J`gìs` eij zk` WE

Mpdzn-szez` fpdh fp~nia |ccds zkvcpak qknok szez`s

|pvokes` jvpas gcv zk`nv M`jnoenj

_zez` `m|dc~``s

_ìncv$ dcq-niocm` eij pinispv`j |kevmeo~ essnszeio`|vcavems cv czk`v |pfdno |vcavems

Nijnwnjped szez` |pvokesnia |ccds

Kcq Jnj Q` A`z K`v`3


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@{|eisnci cg \vcwnj`vs



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Kcq Jnj Q` A`z K`v`3@{|eisnci cg \ vcwnj`vs

\vcwnj`vs cgg`v mei~fì`gnzs zc zkòcmmpinzn`s zkez zk`~s`vw`$ fpz vùpnv` e

avèz jèd cg oe|nzed zcgp`d zk`nv avcqzk)

Oe|nzed `{|ìjnzpv`sf~ kcs|nzed s~sz`ms

eij czk`v |vcwnj`vs|deo` p|qevj |v`sspv`ci zk` ocszs cg mei~m`jnoed s`vwno`s)



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Ociscdnjeznci cg Meiea`j Oev` Ocm|ein`s



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Kcq Jnj Q` A`z K`v`3Ociscdnjeznci cg Meiea`j Oev` Ocm|ein`s

Pij`v-|vnonia$ qèh pij`vqvnznia eij zk` ocszd~|vco`ss cg essnmndeznia eoupnsnzncis kes dèj zcs`vncps jn|s ni |vcgnzefndnz~ eij szcoh |vno`s gcv edeva` ipmf`v cg oevvn`vs)

Mei~ oevvn`vs kew` scdj cgg zk`nv meiea`j oev`c|`vezncis zc fnaa`v gnsk cv kew` ocm|d`z`d~aci` cpz cg fpsni`ss) Ocm|ein`s szndd ni zk`

mevh`z ev` icq geo`j qnzk mpok d`ss ocm|`znzncieij e vì`q`j ocmmnzmìz zc eokn`wnia kèdzk~v`zpvis$ qknok kes v`spdz`j ni niovès`j vez`s)



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Ociscdnjeznci cg Meiea`j Oev`

Ocm|ein`s#Nispv`vs \cdnznoed @iwnvcimìz eij Acw`vimìz Vàpdeznci



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Kcq Jnj Q` A`z K`v`3\cdnznoed @iwnvcimìz eij Acw`vimìz Vàpdeznci

_zez`#g`j`ved meijez`s kew`niovès`j zqìz~-gnw`-gcdj cw`vdesz zkv`` jòej`s) Meijez`szìj zc ocigdnoz qnzk cvjp|dnoez` ci` eiczk`v$ eij

pspedd~ ocm` qnzk ei niovès`jocsz gcv zk` kèdzk oev` s~sz`m)

Nssp`s spok es |v`sovn|zncijvpas gcv sìncvs$ M`jnoev`

v`gcvm eij ocw`vea` gcv zk`pinispv`j qndd edsc ociznip` zc|de~ e fna vcd` ci |cdnznoed eijdànsdeznw` eaìjes eij qndd |pz|v`sspv` ci ocszs)



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Niov`es`j Pzndnreznci eij Ocispm`v J`meij



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Kcq Jnj Q` A`z K`v`3Niovès`j Pzndnreznci eij Ocispm`v J`meij

Pzndnreznci cg kèdzk oev` s`vwno`s kes niovès`jjp` zc zk` gcddcqnia2

c Nm|vcw`mìzs ni m`jnoed |vco`jpv`s eijzòkicdca~

c Nigdpìo` cg meiea`j oev`c @d`wez`j ocispm`v eqevì`ss eij j`meij

c Fccsz ni zk` ipmf`v cg |veoznonia |k~snoneis+oeps`j zk` ipmf`v cg spvanoed |vco`jpv`s eij

|v`sovn|znci jvpa ps` zc vns` snaingnoeizd~.)\v`wìznw` s`vwno`s +fvèsz oeio`v sov`ìnias$nmmpinrezncis gcv okndjvì eij jneaicszno|vco`jpv`s. kew` edsc niovès`j ni pzndnreznci)



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I`q M`jnoed Z`okicdca~



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Kcq Jnj Q` A`z K`v`3I`q M`jnoed Zòkicdca~

Dng` `{|òzeio~ eij jnsès`-s|òngno mcvzednz~ ev` nm|vcwniaes cdj zòkicdcan`s ev` f`niav`|deo`j qnzk i`q ci`s) Zk`~

ev` cgzì mcv` `{|ìsnw`$ psì`q m`jnoed j`wno`s$ jneaicszno|vcjpozs$ jvpas eij spvanoed|vco`jpv`s)

I`q |vco`jpv`s ocm` qnzkdeva` |vno` zeas$ qknok jvnw`sp| zk` cw`vedd ocsz cg kèdzkoev` eij spfsùpìzd~$ kèdzkfì`gnz ocszs)



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Q`eh`inia#Jnsscdpznci cg Meiea`j Oev` _~sz`m



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Kcq Jnj Q` A`z K`v`3Qèhìnia# Jnsscdpznci cg Meiea`j Oev` _~sz`m

Zk` òcicm~ ni zk` dez` 5>>>1 +opz fnddncis gvcm M`jnoev`meiea`j oev` |e~mìzs. eij jp` zc czk`v gnieionednssp`s) Zk`~ ev` icq qnddnia zc qedh eqe~ gvcmkèdzk |deis zkez cgg`v nispggnonìz v`nmfpvs`mìzvez`s eij |vcknfnznw` |e~mìz |veozno`s)



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Qèhìnia#Jnsscdpznci cg Meiea`j Oev` _~sz`m

Kèdzk Oev` _|ìjnia eij M`jnoed Ocsz Nigdeznci



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@m|dc~`vs Vèoz2 Qkez Oei ^cp Jc3_zc||nia zk` Vpieqe~ Zveni

Egz`v ~èvs cg zv~nia zc efscvf mcsz cg zk` ocszs cgezzveoznci eij v`zìznci nssp`s$ mei~ ocm|ein`s ev`zv~nia zc ezzeoh zk` vccz cg zk` oeps`s cg vnsnia ocszs qnzkspszeni`j$ s~sz`mezno okeia`s)

@m|dc~`vs enm zc meh` snaingnoeiz niw`szmìzs ni dcia`vz`vm scdpzncis enm`j zc nm|vcw` zk` kèdzk eij|vcjpoznwnz~ cg zk`nv qcvh`vs$ niodpjnia2

Nizvcjponia mcv` ocispm`v-jvnwì kèdzk |deis +OJK\s.

Wedp`-fes`j j`snai

Nm|vcwnia `m|dc~`` `jpoeznci Nigdpìonia |csnznw` `m|dc~`` f`kewncv okeia`s zkvcpak

ocijnznci meiea`mìz eij q`ddi`ss |vcavems

Nm|vcwnia zk` emcpiz eij upednz~ cg jeze ewendefd` cikèdzk oev` ocszs eij upednz~)



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@m|dc~`vs Vèoz2 Qkez Oei ^cp Jc3Nizvcjpo` cv @{|eij Ocispm`vnsm

Ocispm`v-cvnìz`j scdpzncis fedeio` ocszs eij`m|dc~`` v`dezncis qnzkni kèdzk |deis)



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@m|dc~`vs Vèoz2 Qkez Oei ^cp Jc3Wedp`-Fes`j \ dei J`snai

Nioìznwnr`s `m|dc~``s zc ps` e||vc|vnez` oevèij s`vwno`s zc meiea` zk`nv kèdzk)



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@m|dc~`vs Vèoz2 Qkez Oei ^cp Jc3Nm|vcw` @m|dc~`` @jpoeznci eij Ocmmpinoeznci

Ocispm`v-jvnwì szvezàn`s qndd icz qcvh qnzkcpzzk` vnakz v`scpvo`s gcv `m|dc~``s zc jvnw` smevz`vf`kewncv)

@m|dc~`vs mpsz niw`sz kèwnd~ ni ocmmpinoeznci$`jpoeznci eij jònsnci sp||cvz zccds zc k`d|`m|dc~``s meh` f`zz`v kèdzk oev` jònsncis)

Ocisnj`v vùpnvnia eoznw` ìvcddmìz)

Cgg`v jònsnci sp||cvz zccds zkez oei k`d|`m|dc~``s `wedpez` zk`nv c|zncis)



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@m|dc~`vs Vèoz2 Qkez Oei ^cp Jc3Niovès` Jnsès` Meiea`mìz eij Q`ddi`ss \ vcavems

Eoocvjnia zc zk` 6


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| c~` s èoz ez Oe cp cCzk`v _zvezàn`s gcv V`jponia Ocszs

Ocizvnfpznci szvezàn`sc @m|dc~`vs `wedpez` kcq zk`~ jngg`vìznez`

ocizvnfpzncis gcv `m|dc~``s eij zk`nv j`|ìjìzs)\e~-fes`j ocizvnfpznci mcj`ds ev` edsc ps`j)

J`|ìjìz ocw`vea` szvezàn`s

c Okeia` zk` vpd`s gcv j`|ìjìz ocw`vea` niodpjnia2

Nm|d`mìznia knak`v ocsz skevnia gcv j`|ìjìzs

\vcwnjnia gd`{nfd` ov`jnzs gcv c|znia cpz cg ocw`vea`

Vùpnvnia ejjnzncied ocizvnfpznci ng ei `m|dc~``s

qcvhnia s|cps` jc`s icz eoo`|z ocw`vea` gvcm kns#k`vcqi `m|dc~`v

Vùpnvnia ei `m|dc~``s qcvhnia s|cps` zc eoo`|zocw`vea` gvcm kns#k`v cqi `m|dc~`v



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| ~J`z`vmninia zk` Vnakz _zvezà~ gcv ^cpv Ocm|ei~

Ns cpv |vcavem szvpozpv`$ |dei j`snai eij |vnoniae||vc|vnez`3

Jc q` kew` edd zk` vnakz wìjcvs$ s`vwno`s$ ocizveoznia eijgpijnia ni |deo`3

Ev` cpv `m|dc~`` ocmmpinoeznci `ggcvzs e||vc|vnez` eij

`ggòznw`3

Jc q` kew` edd zk` vnakz jnsès` eij oes` meiea`mìz|vcavems gcv cpv `m|dc~``s3

Jc cpv |vnonia eij |dei j`snai gèzpv`s ìocpvea` ocszocisoncps f`kewncv ci zk` |evz cg cpv `m|dc~``s3

Jc cpv `m|dc~`` ocmmpinoeznci `ggcvzs eij v`scpvo`smcznwez` cpv `m|dc~``s zc fòcm` `jpoez`j eij `ggòznw`kèdzk oev` ocispm`vs3


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ZKEIH_ GCV ^CPV ZNM@%

UP@_ZNCI_3

Group Health Ins Rates and Stratagies Grant Davis GDI

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Transcript of Group Health Ins Rates and Stratagies Grant Davis GDI