65%of employers believe health benefits more valuable when employees control how they spend contributions

Value of Cost Transparency

$342$82

76% DECREASE

Employee Cost Savings Through Tax Credits

2013

2014

?2013 $9,0982014 $8,3429.1% DECREASE

Average Healthcare Costs(PER EMPLOYEE)

Encouraging HealthcareEducation Drives Down Cost

Value of EmployerContribution

2013 6%2014 8%

2% INCREASE

Employers O�ering Defined Contribution

Average Individual HealthInsurance Premium

$381ESTIMATED

IN 2015

Coverage Through Private Insurance Exchanges

2,500,0002014

5,000,000+2015

Average Annual Employer Contribution

$817 SINGLE COVERAGE

$1,892 FAMILY COVERAGE

Long-term Cost Trends

believe they will help reduce them through competitive market forces

57%

www.HealthcareTrendsInstitute.org

SOURCES:

Kaiser Family Foundation

PwC Health and Well-being Survey (2014)

2014 AonHewitt Health Care Survey© Copyright 2014. Healthcare Trends Institute.

Providing TransparencyChanging Buying BehaviorControlling Cost

DEFINED CONTRIBUTIONInsurance Marketplace solutions shaping the industry?

How are

Improving Predictability of Health Care Costs

59%of employers view private exchanges as an e�ective way to improve predictability

Moving to Private Exchanges

32%of employers are considering moving their employees to private exchanges in the next 3 years

34%of employees had no idea how much their employers contributed toward health care costs

?