2015 anthem small group 1-1-2015 rate filing.pdf

Changesfrom2014FilingsTobaccoratingfactorsnowvarybyageseeExhibitJ:AgeandTobaccoFactors.

3.Introduction

Thisfilingincludesanaveragerateincreaseof7.7%,withrangebyplanbetween10.8%and28.2%.MoredetailsareprovidedbelowinSection5:ProposedRateIncrease,andinExhibitI:NonGrandfatheredBenefitPlanFactorsandRateIncreases.

ABCBSMOSGBPOOFFv01ABCBSMOSGPPOOFFv01

PolicyFormNumber(s):ABCBSMOSGPPOONv01

TothebestofAnthem'sknowledgeandcurrentunderstanding,thisfilingcomplieswiththemostrecentregulationsandrelatedguidance.Totheextentrelevantrulesorguidanceontherulesareupdatedorchanged,amendmentstothisfilingmayberequired.

ThepurposeofthisratefilingistoestablishratesthatarereasonablerelativetothebenefitsprovidedandtodemonstratecompliancewithstatelawsandprovisionsoftheAffordableCareAct(ACA).TherateswillbeinforceforeffectivedatesonorafterJanuary1,2015.SubsequentratechangeswillbeimplementedquarterlyasdiscussedinmoredetailinSection16:IndexRate.TheserateswillapplytoplansofferedbothOnExchangeandOffExchange.Thisratefilingisnotintendedtobeusedforotherpurposes.

2.ScopeandPurposeoftheFilingPrimaryContactEmailAddress: [email protected]: (314)9238947

CompanyContactInformationPrimaryContactName: AndyDare

EffectiveDate: January1,2015Market: SmallGroupHIOSIssuerID: 32753State: Missouri

CompanyIdentifyingInformationCompanyLegalName: HealthyAllianceLifeInsuranceCompany

1.GeneralInformation

ACTUARIALMEMORANDUM

Theprojectionperiodpremiumisadjustedbytheaverageratingfactorsintheprojectionperiodtodeterminethebaserate.Thebaseraterepresentsanaveragebenefitplanandareaforanage21nontobaccouserinMissouri.

Adjustmentsforriskadjustmentandreinsuranceareappliedtotheprojectedclaimscost.

Nonbenefitexpenses,profit,andriskareappliedtotheprojectedclaimscosttodeterminetherequiredprojectionperiodpremium.

Theprojectedclaimscostiscalculatedbyadjustingthenormalizedclaimsfortheimpactofbenefitchanges,populationmorbidity,trendfactors,etc.Adjustmentisnotbasedonthehealthstatusofthemember.

TheprojectionperiodisFebruary1,2015January31,2016.SmallGroupBusinessrenewsonaquarterlybasis;thereforethemiddlemonthofthefirstquarterisFebruary2015.

SmallGroupmanualratesaredevelopedbasedonhistoricalexperienceofGrandfatheredandNonGrandfatheredbusiness.

Theexperiencedataisnormalizedtoreflectanticipatedchangesinage/gender,area/networkandbenefitplanfromtheexperienceperiodtotheprojectionperiodbasedonexpecteddistributionofmembership.

4.DescriptionofHowtheBaseRateIsDetermined

Themethodologyusedtodeveloptheratesthisyearisconsistentwiththemethodologythatwasusedlastyear.ThedevelopmentoftheBaseRateisdetailedinExhibitA:BaseRateDevelopment.FurtherdetailsonhowthebaserateisdevelopedcanbefoundinSection9:CredibilityManualRateDevelopment,Section12:RiskAdjustmentandReinsurance,Section13:NonBenefitExpenses,ProfitandRisk,andSection19:Calibration.Adescriptionofthemethodologyusedtodeterminethebaserateisasfollows:

Areafactorshavebeenadjustedtoreflectmostcurrentexperience.RefertoExhibitK:AreaFactors.

ThisfilingincludesnewexhibitsshowingtheMarketAdjustedIndexRate,PlanAdjustedIndexRate,andConsumerAdjustedPremiumRates,asdefinedinthenewmemoinstructionsfor2015filings.SeeExhibitO:QuarterlyIndex,Base,andMarketAdjustedIndexRateDevelopmentandExhibitP:PlanAdjustedIndexRateandConsumerAdjustedPremiumRates.

TheserateincreasesbyplanareshowninExhibitI:NonGrandfatheredBenefitPlanFactorsandRateIncreases.

6.ExperiencePeriodPremiumandClaims

Anticipatedchangesduetonetworkcontractingbypricingarea.

In2014,theareafactorsvariedbyplanbasedonactuariallyjustifiednetworkcostdifferencesforeachgeographicratingarea.EffectiveJanuary1,2015,asingleareafactorwillapplytoallplansineachgeographicratingarea.Toretaintheactuariallyjustifiednetworkcostdifferencesforeachgeographicareaandcomplywith45CFRpart147.102,severalnewplanshavebeenadded,eachofwhichisavailableinasinglegeographicratingarea.Newplanshavebeenmappedtocomparable2014plansforpurposesofdeterminingtherateincrease.RefertoExhibitI:NonGrandfatheredBenefitPlanFactorsandRateIncreasesandExhibitK:AreaFactorsfordetails.

ChangesinNonBenefitExpensesthatareappliedonaPMPMbasisChangesintheunderlyingarearatingfactors,whichareincludedintheplanlevelincreaseforplansnotofferedinallareas

ChangesinbenefitdesignthatvarybyplanChangesintheadjustmentfactorforCatastrophiceligibility

TherateincreaseisshowninExhibitI:NonGrandfatheredBenefitPlanFactorsandRateIncreases.

Althoughratesarebasedonthesamesingleriskpoolofexperience,proposedrateincreasesvarybyplanfrom10.8%to28.2%.Factorsthataffectthevariationintheproposedrateincreasebyplaninclude:

AnticipatedchangesinpaymentstotheFederalTransitionalReinsuranceProgramChangesintaxes,fees,andothernonbenefitexpenses

Anticipatedchangesinthemarketwidemorbidityofthecoveredpopulationintheprojectionperiod

Changingtrendsinmedicalcostsandutilizationandothercostofcareimpacts

Theaverageproposedrateincreaseis7.7%.Factorsthataffecttheproposedrateincreaseforallplansinclude:

Changesinbenefitdesign

Premiumsatthememberlevelaredeterminedbymultiplyingthebaseratebytheapplicablefactorforeachoftheallowableratingcriteria:age,tobacco,areaandbenefitplan.AnexampleofthiscalculationisshowninExhibitL:SampleRateCalculation.

5.ProposedRateIncrease

InpatientHospital:Includesnoncapitatedfacilityservicesformedical,surgical,maternity,mentalhealthandsubstanceabuse,skillednursing,andotherservicesprovidedinaninpatientfacilitysettingandbilledbythefacility.

7.BenefitCategories

ThemethodologyusedtodeterminebenefitcategoriesinWorksheet1,SectionIIoftheUnifiedRateReviewTemplateisasfollows:

TheestimatedNonGrandfatheredgrossearnedpremiumforMissouriSmallGroupis$467,171,983,whereearnedpremiumistheproratashareofpremiumowedtoAnthemduetosubscribersactivelypurchasinginsurancecoverageduringtheexperienceperiod.

ThepreliminaryMLRRebateestimateis$2,549,077,whichisconsistentwiththeDecember31,2013AnthemgeneralledgerestimateallocatedtotheNonGrandfatheredportionofSmallGroup.NotethatthisisanestimateandwillnotbefinaluntilJune1,2014.

Allowedandincurredclaimsarecompletedusingthechainladdermethod,anindustrystandard,byusinghistoricpaidvs.incurredclaimspatterns.Themethodcalculateshistoriccompletionpercentages,representingthepercentofclaimspaidforaparticularmonthafteronemonthofrunout,twomonths,etc.,forafortyeightmonthviewofhistory.Claimbacklogfilesarereviewedonamonthlybasisandareaccountedforinthehistoricalcompletionfactorestimates.

Premiums(netofMLRRebate)inExperiencePeriod

AllowedandIncurredClaimsIncurredDuringtheExperiencePeriodTheallowedclaimsaredeterminedbysubtractingnoncoveredbenefits,providerdiscounts,andcoordinationofbenefitsamountsfromthebilledamount.

PaidThroughDateClaimsshowninWorksheet1,SectionIoftheUnifiedRateReviewTemplatearepaidthroughMarch31,2014.

ExperienceshowninWorksheet1,SectionIoftheUnifiedRateReviewTemplateisfortheMissouriSmallGroupSingleRiskPoolNonGrandfatheredBusiness.Consistentwithlastyear,Anthemisassigning0%credibilitytothesingleriskpoolexperience,thusitisnotusedfordevelopingmanualrates.ThemanualratedevelopmentisfullydetailedinSection9:CredibilityManualRateDevelopment.

ClaimsexperienceinWorksheet1,SectionIoftheUnifiedRateReviewTemplatereflectsdatesofservicefromJanuary1,2013throughDecember31,2013.

9.CredibilityManualRateDevelopment

Consistentwithlastyear'smethodology,experiencedevelopedandprojectedhereinisAnthem'sSmallGroupBusinessbasedonplanliabilityamounts.TheratedevelopmentisshowninExhibitA:BaseRateDevelopment.

TrendFactors(cost/utilization)n/aseeCredibilityManualRateDevelopment

OtherAdjustmentsn/aseeCredibilityManualRateDevelopment

ChangesinDemographicsn/aseeCredibilityManualRateDevelopment

ChangesinBenefitsn/aseeCredibilityManualRateDevelopment

ChangesintheMorbidityofthePopulationInsuredn/aseeCredibilityManualRateDevelopment

8.ProjectionFactors

Aspreviouslyindicated,thecredibilitylevelassignedtotheexperienceinWorksheet1,SectionIIIoftheUnifiedRateReviewTemplateis0%.Consequently,factorstoprojectexperienceclaimsarenotprovidedastheyarenotapplicable.However,thefactorsusedtodevelopthemanualratesarefullydetailedinSection9:CredibilityManualRateDevelopment.

PrescriptionDrug:Includesdrugsdispensedbyapharmacyandrebatesreceivedfromdrugmanufacturers.

Professional:Includesnoncapitatedprimarycare,specialist,therapy,theprofessionalcomponentoflaboratoryandradiology,andotherprofessionalservices,otherthanhospitalbasedprofessionalswhosepaymentsareincludedinfacilityfees.

OtherMedical:Includesnoncapitatedambulance,homehealthcare,DME,prosthetics,supplies,visionexams,dentalservicesandotherservices.

OutpatientHospital:Includesnoncapitatedfacilityservicesforsurgery,emergencyroom,lab,radiology,therapy,observationandotherservicesprovidedinanoutpatientfacilitysettingandbilledbythefacility.

Area/Network:TheareaclaimsfactorsaredevelopedbasedonananalysisofSmallGroupandIndividualallowedclaimsbynetwork,mappedtotheprescribed2015ratingareasusing5digitzipcode.

Thesourcedatawasnormalizedtoreflectanticipatedchangesinage/gender,area,network,andbenefitplanfromtheexperienceperiodtotheprojectionperiod.Thepurposeofthesefactorsistoadjustcurrentexperiencetobereflectiveofexpectedclaimexperienceintheprojectionperiod.SeeSection23:MembershipProjectionsforadditionalinformationonmembershipmovement.ThenormalizationfactorsandtheiraggregateimpactontheunderlyingexperiencedataaredetailedinExhibitC:NormalizationFactors.

Age/Gender:Theassumedclaimscostisappliedbyageandgendertotheexperienceperioddistributionandtheprojectionperioddistribution.

Theprojectedclaimscostiscalculatedbymultiplyingthenormalizedclaimscostbytheimpactofbenefitchanges,anticipatedchangesinpopulationmorbidity,andcostofcareimpacts.Theadjustmentsaredescribedbelow,andthefactorsarepresentedinExhibitD:ProjectionPeriodAdjustments.Inaddition,thesourcedataisnormalizedforchangesintheprovidercontracts.

ChangesinDemographics(Normalization)

AdjustmentsMadetotheDataThedevelopmentoftheprojectedclaimsissummarizedinExhibitA:BaseRateDevelopment,items(1)(10),anddescribedindetailbelow.

Otherthancompletingtheincurredclaims,nofurtherexplicitadjustmentsaremadetotheexperiencedata.

Formoredetail,seeExhibitB:ClaimsExperienceforManualRateDevelopment.

ThesourcedataunderlyingthedevelopmentofthemanualrateconsistsofclaimsforallGrandfatheredandNonGrandfatheredSmallGroupbusiness,incurredduringtheperiodJanuary1,2013December31,2013andpaidthroughMarch31,2014.CompletionfactorsarethencalculatedtoreflectadditionalmonthsofrunoutafterMarch31,2014.AnthemexpectsalargeportionoftheGrandfatheredpolicyholderstomigratetoACAcompliantpoliciespriortoandduringtheprojectionperiod.

IndevelopingrateseffectiveJanuary1,2015,onlylimited2014experienceisavailable.Thisexperienceisnotdeemedcredibleforpurposesofratedevelopment.

SourceandAppropriatenessofExperienceDataUsed

TrendFactors

Theannualpricingtrendusedinthedevelopmentoftheratesis9.4%.Thetrendisdevelopedbynormalizinghistoricalbenefitexpenseforchangesintheunderlyingpopulationandknowncostdrivers,andtheresultisprojectedforward.ThetrendincludesavolatilityprovisioninaccordancewithActuarialStandardsofPractice.Theclaimsaretrended25monthsfromthemidpointoftheexperienceperiod,whichisJuly1,2013,tothemidpointoftheprojectionperiod,whichisAugust1,2015.

Themovementassumptionsabovearebasedonmarketresearchandassumptionsontheemployeroptoutandconsumeruptakerates.Themorbidityimpactsofpopulationmovementarebasedonhealthstatusdeterminedfrominternalriskscoredata.

SmallGroupselectingtoremainontheircurrent(nonACA)productsin2015.SmallGroupmemberselectingtoforegoCOBRAcoverageupontermination

SmallGroupsmovingtoselffundedcoverageSmallGroupmembersmovingtoMedicaid

SmallGroupselectingtodropcoverageSmallGroupmemberselectingtobeuninsured

ChangesintheMorbidityofthePopulationInsured

TheclaimsareadjustedtoreflectshiftsinhealthinsurancecoverageasaresultoftheprovisionsoftheACA.Themarketshifts,orpopulationmovements,affectingthemorbidityoftheSmallGroupmarketintheprojectionperiodinclude:

PreventiveRx(overthecounter):Theclaimsareadjustedfor100%coverageofbenefitsforspecificoverthecounterdrugsobtainedwithaprescriptionfromaphysician.

RxAdjustments:TheclaimsareadjustedfordifferencesintheRxformularyaswellasfortheimpactofmovingdrugsintodifferenttiersintheprojectionperiodrelativetowhatisreflectedinthebaseexperiencedata.

ChangesinBenefits

Benefitchangesincludethefollowing:

BenefitPlan:Theexperienceperiodclaimsarenormalizedtoanaverage2015planusingbenefitrelativities.Thebenefitrelativitiesincludethevalueofcostsharesandanticipatedchangesinutilizationduetothedifferenceinaveragecostsharerequirements.

11.PaidtoAllowedRatio

ResultingCredibilityLevelAssignedtoBasePeriodExperienceThecredibilitylevelassignedtotheexperienceinWorksheet1,SectionIIIoftheUnifiedRateReviewTemplateis0%.

10.CredibilityofExperience

ThecombinationofbothGrandfatheredandNonGrandfatheredexperiencedatamostreasonablyreflectsSmallGroupclaimsexperienceunderthefutureprojectionperiod.ActuarialjudgmenthasbeenexercisedtodeterminethatrateswillbedevelopedgivingfullcredibilitytothedataunderlyingthemanualrateinSection9:CredibilityManualRateDevelopment.

CapitationPaymentsCapitationarrangementsdonotexistforthisbusiness.

RxRebates:TheprojectedclaimscostisadjustedtoreflectanticipatedRxrebates.Theseprojectionstakeintoaccountthemostuptodateinformationregardinganticipatedrebatecontracts,drugprices,anticipatedpriceinflation,andupcomingpatentexpirations.

Thecostofaddingbenefitsforpediatricdentalandvisionareincluded.

OtherClaimAdjustments

TheadjustmentsdescribedbelowarepresentedinExhibitE:OtherClaimAdjustments.

ChangeinMedicalManagement:medicalmanagementsavingsnotalreadyincludedintheclaimsexperienceandtrend.ChangeinProviderContracts:anticipatedchangesinprovidercontractsarereflectedinthebenefitplanfactorsandtheregionratingfactors.

Utilizationorcostperservicechange:anticipatedchangesarereflectedinthemorbiditychangesandtrend.

Projectedtrendsincludetheestimatedcostduring2014and2015ofthepharmaceuticalSovaldiandotherhighcostdrugsfortreatingHepatitisC.ThesecostestimateswerebasedonclaimsexperienceforMissouriSmallGroupbusiness,togetherwithCDCrecommendationsandIndustryandEnterprisedata.

OtherCostofCareImpacts

ThequalityimprovementexpenserepresentsAnthem'sdedicationtoprovidingthehigheststandardofcustomercareandconsistentlyseekingtoimprovehealthcarequality,outcomesandvalueinacostefficientmanner.

QualityImprovementExpense

AdministrativeExpenseAdministrativeExpensesareexpectedtobeconsistentwithhistoricallevelsandaredevelopedutilizingthesamemethodologyaspreviousfilings,theyarenotvariedbyproductorplan.Maintenancecostsareassumedtobeflatonapermemberbasiswithsavingsfromadministrativeefficienciesandtheeliminationofunderwritingoffsetbynewexpensesforriskmanagementandregulatorycompliance.

13.NonBenefitExpenses,ProfitandRisk

NonBenefitexpensesaredetailedinExhibitG:NonBenefitExpensesandProfit&Risk.

ProjectedACAReinsuranceRecoveriesNetofReinsurancePremiumThetransitionalreinsuranceriskmitigationprogramcollectsfundsfromallinsuranceissuersandTPAsandredistributesthemtohighcostclaimantsintheNonGrandfatheredIndividualmarket.ThereinsurancecontributionisequaltothenationalpercapitareinsurancecontributionrateasshowninExhibitF:RiskAdjustmentandReinsuranceContributionsandPayments.

TheRiskAdjustmentprogramtransfersfundsfromlowerriskplanstohigherriskplansintheNonGrandfatheredIndividualandSmallGroupmarket.TheHHSoperatedRiskAdjustmentprogramissupportedbyauserfee,asshowninExhibitF:RiskAdjustmentandReinsuranceContributionsandPayments.

Anthemisassumingtheriskfortheplansinthisfilingarenobetterorworsethanotherplansinthemarket,resultinginnoestimatedrisktransfervalueasshowninExhibitF:RiskAdjustmentandReinsuranceContributionsandPayments.

12.RiskAdjustmentandReinsurance

ProjectedRiskAdjustment

ThePaidtoAllowedAverageFactorinProjectionPeriodshowninWorksheet1,SectionIIIoftheUnifiedRateReviewTemplateisdevelopedbymembershipweightedessentialhealthbenefitpaidclaimsdividedbymembershipweightedessentialhealthbenefitallowedclaimsofeachplan.TheprojectedmembershipbyplanisshowninWorksheet2,SectionII.

ProjectedFederalMLR

Profitisreflectedonaposttaxbasisasapercentthatdoesnotvarybyproductorplan.Theprofitpercentagedoesnotincludeanyassumedriskcorridorpaymentsorreceipts.

14.ProjectedLossRatio

Premiumtaxes,federalincometaxesandstateincometaxesarealsoincludedintheretentionitems.

Profit

ACAInsurerFee:Thehealthinsuranceindustrywillbeassessedapermanentfee,basedonmarketshareofnetpremium,whichisnottaxdeductible.Thetaximpactofnondeductibilityiscapturedinthisfee.ExchangeFee:TheExchangeUserFeeappliestoExchangebusinessonly,butthecostisspreadacrossallSmallGroupplans.Ablendedfee/percentageisdeterminedbasedonanassumed10.0%ofmembersthatwillpurchaseproductsOnExchange.Theresultingfee/percentageisappliedevenlytoallplansintheriskpool,bothOnandOffExchange.

TaxesandFeesPatientCenteredOutcomesResearchInstitute(PCORI)Fee:ThePCORIfeeisafederallymandatedfeedesignedtohelpfundthePatientCenteredOutcomesResearchTrustFund.ForplanyearsendingbeforeOctober1,2014,thefeeis$2permemberperyear.Thereafter,foreveryplanyearendingbeforeOctober1,2019,thefeewillincreasebythepercentageincreaseinNationalHealthcareExpenditures.

SellingExpenseSellingExpenserepresentsbrokercommissionsandbonusesassociatedwiththebrokerdistributionchannelusinghistoricalandprojectedcommissionlevels.CommissionswillbepaidbothOnExchangeandOffExchange.

TheQIExpenseassumptionsarebasedonhistoricalamountsrelatedtothefollowinginitiatives:ImproveHealthOutcomes,ActivitiestoPreventHospitalReadmissions,ImprovePatientSafetyandReduceMedicalErrors,WellnessandHealthPromotionActivities,HITExpensesforHealthCareQualityImprovements,OtherCostContainmentandICD10.

TheindexraterepresentstheaverageallowedclaimsPMPMofessentialhealthbenefitsforAnthem'sSmallGroupNonGrandfatheredBusiness.TheexperienceperiodindexrateshowninWorksheet1,SectionI(cellG17)oftheUnifiedRateReviewTemplateis$316.00andisthesameastheexperienceperiodallowedclaims(cellG16inthesamelocation).Acomparisontothebenchmarkwasperformed,andonlyessentialhealthbenefitswerecoveredduringtheexperienceperiod.

ProjectionPeriodIndexRate

16.IndexRate

ExperiencePeriodIndexRate

15.SingleRiskPool

AsdescribedaboveinSection4:DescriptionofHowtheBaseRateIsDetermined,theAnthemIndexRateforSmallGroupbusinessinMissouriisbasedontotalcombinedclaimscostsforprovidingessentialhealthbenefitswithinthesingleriskpoolofnongrandfatheredSmallGroupplansinMissouri.TheIndexRateisadjustedonamarketwidebasisforthestatebasedonthetotalexpectedmarketwidepaymentsandchargesundertheriskadjustmentandreinsuranceprogramsandExchangeuserfees.ThepremiumratesforallAnthemnongrandfatheredplansintheSmallGroupmarketusetheapplicablemarketwideadjustedindexrate,subjectonlytothepermittedplanleveladjustments.ThisdemonstratesthattheSingleRiskPoolforAnthemSmallGroupbusinessisestablishedaccordingtotherequirementsin45CFRpart156,156.80(d).

TheprojectedFederalMLRfortheproductsinthisfilingisestimatedinExhibitM:FederalMLREstimatedCalculation.PleasenotethatthiscalculationispurelyanestimateandnotmeanttobeatruemeasureforFederalorStateMLRrebatepurposes.TheproductsinthisfilingrepresentonlyasubsetofAnthem'sSmallGroupbusiness.TheMLRforAnthem'sentirebookofSmallGroupbusinesswillbecomparedtotheminimumFederalbenchmarkforpurposesofdeterminingregulationrelatedpremiumrefunds.AlsonotethattheprojectedFederalMLRpresentedheredoesnotcapturealladjustments,includingbutnotlimitedto:threeyearaveraging,credibility,dualoption,anddeductible.Anthem'sprojectedMLRisexpectedtomeetorexceedtheminimumMLRstandardsatthemarketlevelafterincludingalladjustments.

19.Calibration

AdjustmentsforBenefitsinAdditiontoEHBs:ThismultiplicativefactoradjustsforadditionalbenefitsthatarenotEHBs.Adjustmentsforadministrativecost:ThisisanadditiveadjustmentthatincludesalltheSellingExpense,AdministrationandOtherRetentionItemsshowninExhibitG:NonBenefitExpensesandProfit&Risk,withtheexceptionoftheExchangeUserFee.

CostSharingAdjustments:Thisisamultiplicativefactorthatadjustsfortheprojectedpaid/allowedratioofeachplan,basedontheAVmetalvaluewithanadjustmentforutilizationdifferencesduetodifferencesincostsharing.ThisalsoincludesanadjustmentfortheaveragetobaccofactorshowninExhibitH:Calibration.ProviderNetworkAdjustments:Thisisamultiplicativefactorthatadjustsfordifferencesinprojectedclaimscostduetodifferentnetworkdiscounts.

ThePlanAdjustedIndexRateiscalculatedastheMarketAdjustedIndexRateadjustedforallallowableplanlevelmodifiersdefinedinthemarketratingrules.ThisdevelopmentispresentedinExhibitP:PlanAdjustedIndexRateandConsumerAdjustedPremiumRates.

PlanLevelModifiers

TheMarketAdjustedIndexrateiscalculatedastheIndexRateadjustedforallallowablemarketwidemodifiersdefinedinthemarketratingrules.ThisdevelopmentispresentedinExhibitN:IndexRateDevelopmentandExhibitO:QuarterlyIndex,Base,andMarketAdjustedIndexRateDevelopment.

18.PlanAdjustedIndexRate

QuarterlyindexandbaseratechangeswillbeimplementedOnExchangeandOffExchange.SeeExhibitO:QuarterlyIndex,Base,andMarketAdjustedIndexRateDevelopment.

17.MarketAdjustedIndexRate

TheindexraterepresentstheaverageallowedclaimsPMPMofessentialhealthbenefitsforAnthem'sSmallGroupNonGrandfatheredBusiness.TheprojectionperiodindexratewasdevelopedasshowninExhibitN:IndexRateDevelopmentbyadjustingtheprojectedincurredclaimsPMPMdescribedinSection9:CredibilityManualRateDevelopmentofthismemorandum.Coveredbenefitsinexcessofessentialhealthbenefitsthatareincludedintheprojectionperiodallowedclaims(cellT30ofWorksheet1,SectionIIoftheUnifiedRateReviewTemplate)butexcludedfromExhibitN:IndexRateDevelopment'sprojectionperiodindexrate(alsoshownincellV44ofWorksheet1,SectionIIIoftheUnifiedRateReviewTemplate)arewellnessbenefitsincludingonlinefitnesstrainers,tobaccofreecertification,andfitnessreimbursement.

QuarterlyIndexandBaseRate

21.ActuarialValueMetalValues

20.ConsumerAdjustedPremiumRate

TheConsumerAdjustedPremiumRateiscalculatedasthePlanAdjustedIndexRatecalibratedasdescribedintheprevioussection.ThisdevelopmentispresentedinExhibitP:PlanAdjustedIndexRateandConsumerAdjustedPremiumRates.ThecalibrationisshowninExhibitH:Calibration.

In2014,theareafactorsvariedbyplanbasedonactuariallyjustifiednetworkcostdifferencesforeachgeographicratingarea.EffectiveJanuary1,2015,asingleareafactorwillapplytoallplansineachgeographicratingarea.

Areafactorshavebeenadjustedtoreflectthemostcurrentexperience.RefertoExhibitK:AreaFactors.

AgeFactorsAreaFactors

ProviderNetwork:Thisfactoraccountsfordifferencesincontractedratesandnetworkstructure.

RefertoExhibitI:NonGrandfatheredBenefitPlanFactorsandRateIncreases.

PediatricDentalandVisionBenefits:Forplansexcludingthepediatricdentalbenefitandpediatricvisionbenefit,thebenefitplanfactorreflectsreducedbenefits.

NonEHBs:ForplansincludingbenefitsinadditiontoEHBs,thebenefitplanfactorreflectsenhancedbenefits.

Benefitplanfactorsalsoconsiderthefollowingadjustments,asapplicable.

BenefitRichnessFactorAdjustment:Thisadjustmentaccountsformemberbehaviorvariationsdependingontherichnessofthebenefitdesign.

BenefitPlanFactorsThebenefitplanratingfactorsareappliedtotheprojectionperioddistribution.

Therequiredpremiumintheprojectionperiodiscalibratedbytheaverageratingcalibrationfactors(Age,Area,andPlanFactor),whichareusedtodeveloptheConsumerAdjustedPremiumRates.TheaverageratingfactorsareshowninExhibitH:Calibration,ExhibitP:PlanAdjustedIndexRateandConsumerAdjustedPremiumRates,andappliedinlineitem14ofExhibitA:BaseRateDevelopment.

25.TerminatedProducts

24.WarningAlerts

TherearewarningalertsincellsA80andA82onWorksheet2,SectionIVoftheUnifiedRateReviewTemplate.ThisisbecausetheSmallGroupPlanAdjustedIndexRatesreflectthememberweightedaverageoftheratesforalleffectivedatesinthefiling,whereastheWorksheet1SingleRiskPoolGrossPremiumAvg.RatereflectstheeffectivedateofthechangeintheIndexRate.

Theplandistributionisbasedonassumedmetaltierandnetworkdistributions.Some2014preliminaryenrollmentinformationhasbeenconsideredinprojectingmembershipdistributions.

TheprojectedmorbiditychangesshowninExhibitD:ProjectionPeriodAdjustmentsincludeexpectedmorbiditychangesduetopopulationmovement.

SmallGroupmemberselectingtoforegoCOBRAcoverageupontermination

SmallGroupsdroppingcoverageSmallGroupmembersoptingoutofcoverage

23.MembershipProjections

MembershipprojectionsinWorksheet2oftheUnifiedRateReviewTemplatearedevelopedusingapopulationmovementmodelplusadjustmentsforsalesexpectations.Thismodelprojectsthemembershipintheprojectionperiodbytakingintoaccount:

22.ActuarialValuePricingValues

TheAVPricingValuesforeachProductIDareinWorksheet2,SectionIoftheUnifiedRateReviewTemplate.TheAVPricingValuerepresentsthecumulativeeffectofadjustmentsmadebytheissuertomovefromtheMarketAdjustedIndexRatetothePlanAdjustedIndexRate.ConsistentwithfinalMarketrules,utilizationadjustmentsaremadetoaccountformemberbehaviorvariationsbaseduponcostsharevariationsofthebenefitdesignandnotthehealthstatusofthemember.TheaverageallowablemodifierstotheIndexRatecanbefoundinExhibitP:PlanAdjustedIndexRateandConsumerAdjustedPremiumRates.

TheActuarialValue(AV)MetalValuesincludedinWorksheet2oftheUnifiedRateReviewTemplatearebasedontheAVCalculator.TotheextentacomponentofthebenefitdesignwasnotaccommodatedbyanavailableinputwithintheAVCalculator,thebenefitcharacteristicwasadjustedtobeactuariallyequivalenttoanavailableinputwithintheAVCalculatorforpurposesofutilizingtheAVCalculatorasthebasisfortheAVMetalValues.BenefitsforPlansthatarenotcompatiblewiththeparametersoftheAVCalculatorhavebeenseparatelyidentifiedanddocumentedintheUniquePlanDesignSupportingDocumentationandJustificationthatsupportsthePlan&BenefitsTemplate.

(4)TheAVCalculatorwasusedtodeterminetheAVMetalValuesshowninWorksheet2ofthePartIUnifiedRateReviewTemplateforallplans.

(2)TheIndexRateandonlytheallowablemodifiersasdescribedin45CFR156.80(d)(1)and45CFR156.80(d)(2)wereusedtogenerateplanlevelrates.

(3)ThepercentoftotalpremiumthatrepresentsessentialhealthbenefitsincludedinWorksheet2,SectionsIIIandIViscalculatedinaccordancewithactuarialstandardsofpractice.

Reasonableinrelationtothebenefitsprovidedandthepopulationanticipatedtobecovered

Neitherexcessivenordeficient.

IncompliancewithallapplicableStateandFederalStatutesandRegulations(45CFR156.80(d)(1)),

DevelopedincompliancewiththeapplicableActuarialStandardsofPractice

I,NicoleStyka,FSA,MAAA,amanactuaryforAnthem.IamamemberoftheAmericanAcademyofActuariesandaFellowoftheSocietyofActuaries.ImeettheQualificationStandardsoftheAmericanAcademyofActuariestorendertheactuarialopinioncontainedherein.Iherebycertifythatthefollowingstatementsaretruetothebestofmyknowledgewithregardstothisfiling:

(1)TheprojectedIndexRateis:

Insupportofthisratedevelopment,variousdataandanalyseswereprovidedbyothermembersofAnthem'sinternalactuarialstaff,includingdataandanalysisrelatedtocostofcare,valuation,andpricing.Ihavereviewedthesedataandanalysesforreasonablenessandconsistency.IhavealsoreliedonBrianRenshaw,FSA,MAAAtoprovidetheactuarialcertificationfortheUniquePlanDesignSupportingDocumentationandJustificationforplansincludedinthisfiling.

28.ActuarialCertification

PlantypesinWorksheet2,SectionIoftheURRTadequatelydescribeAnthem'splans.

27.Reliance

26.PlanTypeThelistofterminatedproductsisshowninExhibitQ:TerminatedProducts.

DateAugust20,2014

NicoleStyka,FSA,MAAARegionalVicePresidentandActuaryIII

ThePartIUnifiedRateReviewTemplatedoesnotdemonstratetheprocessusedbytheissuertodeveloptherates.RatheritrepresentsinformationrequiredbyFederalregulationtobeprovidedinsupportofthereviewofrateincreases,forcertificationofQualifiedHealthPlansforFederallyFacilitatedExchanges,andforcertificationthattheIndexRateisdevelopedinaccordancewithFederalregulation,usedconsistently,andonlyadjustedbytheallowablemodifiers.However,thisActuarialMemodoesaccuratelydescribetheprocessusedbytheissuertodeveloptherates.

PaidClaims1) ExperiencePeriodCostPMPM 253.96$ ExhibitB2) xNormalizationFactor 0.8777 ExhibitC3) =NormalizedClaims 222.90$ =(1)x(2)

4) xBenefitChanges 0.9918 ExhibitD5) xMorbidityChanges 1.1022 ExhibitD6) xTrendFactor 1.2057 ExhibitD7) xOtherCostofCareImpacts 1.0000 ExhibitD8) =ProjectedClaimCost 293.79$ =(3)x(4)x(5)x(6)x(7)9) +OtherClaimAdjustments (4.22)$ ExhibitE10) =ClaimsProjectedtoProjectionPeriod 289.57$ =(8)+(9)11) +RiskAdjustmentandReinsuranceContributionsandPayments 3.63$ ExhibitF12) +NonBenefitExpensesandProfit&Risk{1} 83.25$ ExhibitG13) =RequiredPremiuminProjectionPeriod 376.45$ =(10)+(11)+(12)14) CalibrationFactor 1.4006 ExhibitH15) TobaccoAverageRatingFactor 1.0032 ExhibitH16) =RequiredBaseRate(AveragePlanLevelAge21NonTobacco) 267.92$ =(13)(14)(15)

17) ProjectedLossRatio(ConventionalBasis) 77.9% =[(10)+(11)](13)

NOTES:

Exhibit A - Base Rate Development

Healthy Alliance Life Insurance CompanySmall Group

Rates Effective January 1, 2015

{1}EquivalenttoPMPMexpensesonExhibitG+%ofpremiumexpensesonExhibitGappliedtoRequiredPremium(Row13above).

Total Member TotalMedical Drug Medical Drug Medical Drug Capitation BenefitExpense Months PMPM314,414,330$ 112,466,759$ 33,311,813$ 4,155,407$ 347,726,143$ 116,622,166$ $ 464,348,309$ 1,828,457 253.96$

Total Member TotalMedical Drug Medical Drug Medical Drug Capitation BenefitExpense Months PMPM422,452,256$ 138,035,690$ 45,310,539$ 5,079,151$ 467,762,795$ 143,114,841$ $ 610,877,636$ 1,828,457 334.09$

IncurredandPaidClaims: IBNR: FullyIncurredClaims:

PAID CLAIMS:IncurredandPaidClaims: IBNR: FullyIncurredClaims:

ALLOWED CLAIMS:

Exhibit B - Claims Experience for Manual Rate Development


Incurred January 1, 2013 through December 31, 2013Paid through March 31, 2014

ExperiencePeriodPopulation

FuturePopulation

NormalizationFactor

Age/Gender 0.9696 1.0223 1.0544Area/Network 1.0108 0.9932 0.9826BenefitPlan 0.8098 0.6860 0.8472Total 0.8777

Exhibit C - Normalization Factors



AverageClaimFactors

AdjustmentFactorBenefitchanges

PreventiveRx(overthecounter) 1.0001RxAdjustments{1} 0.9917TotalBenefitChanges 0.9918

MorbiditychangesTotalMorbidityChanges 1.1022

CostofcareimpactsAnnualMedical/RxTrendRate 9.39%1MonthsofProjection 25TrendFactor 1.2057TotalotherImpacts 1.0000

NOTES:

Exhibit D - Projection Period Adjustments



ImpactofChangesBetweenExperiencePeriodandProjectionPeriod:

{1}IncludesRxformularyandimpactsformovingdrugsintodifferenttiers

PMPMRxRebates ($6.50)PediatricDental $0.80PediatricVision $0.99CCPPackages $0.49Total ($4.22)

NOTES:

Exhibit E - Other Claim Adjustments



Adjustmentstoprojectionperiodclaimstoreflectcoveredbenefitsnotincludedinexperienceperioddata:

AdjustmentsabovereflectONLYadditionalcostsbeyondthosealreadycapturedinlineItem8ofExhibitA.

RiskAdjustment:PMPM UserFee NetTransferFederalProgram $0.08 $0.00

Note:

Reinsurance:

PMPM ContributionsMade ExpectedReceipts

FederalProgram $3.55 $0.00Source:

GrandTotalofAllRiskMitigationPrograms $3.63

NOTES:$3.55 =$13.67*(11months/12months)+$12.30*(1month/12months)$3.67 =2015contribution$2.30 =2016contribution

SmallGroupPlanscontributefundsbutonlyIndividualPlansareeligibletoreceivepayments

HHSestimatesanationalpercapitacontributionrateof$13.67permonth($44peryear)inbenefityear2015(perPaymentParameterRule).

Exhibit F - Risk Adjustment and Reinsurance - Contributions and Payments



Itisassumedtheriskfortheplansincludedinthisratefilingisnobetter/worsethananyotherplanswithinthismarket.

ExpensesAppliedAsaPMPMCost

ExpensesAppliedasa%ofPremium

ExpressedasaPMPM{1}

AdministrativeExpensesAdministrativeCosts $17.42QualityImprovementExpense $3.27SellingExpense $14.52SpecialtyExpenses $0.31

TotalAdministrativeExpenses $35.52 0.00% $35.52TaxesandFees

PCORIFee $0.18ACAInsurerFee 3.55%ExchangeFee 0.35%PremiumTax 0.34%MLRDeductibleFederal/StateIncomeTaxes{2} 2.94%

TotalTaxesandFees $0.18 7.18% $27.21ProfitandRisk{3} 5.45% $20.52TotalNonBenefitExpenses,Profit,andRisk $35.70 12.63% $83.25

NOTES:

{3}Profitshownhereisposttaxprofit,netofthosefederalandstateincometaxeswhicharedeductiblefromtheMLRdenominator.

Exhibit G - Non-Benefit Expenses and Profit & Risk



{1}Thesumoftheroundedpercentagesshownmaynotequalthetotalatthebottomofthetableduetorounding.{2}IncludesonlythoseincometaxeswhicharedeductiblefromtheMLRdenominator;inparticular,Federalincometaxesoninvestmentincomeareexcluded.

AverageRatingFactorTobacco 1.0032

CalibrationFactorsAge 1.4008Area 0.9999BenefitPlan 1.0000TotalCalibrationFactor 1.4006TotalAverageRatingFactor 1.4051

NOTES:

Thebaserateisdevelopedbydividingtherequiredpremiumintheprojectionperiodbythetotalaverageratingfactorshownabove.

Exhibit H - Calibration



Average2015ratingfactorsfor2015population:

SeeLineItem14onExhibitA.

HIOSPlanName 2015HIOSPlanIDOn/OffExchange MetalLevel

BenefitPlanFactor NetworkName Area(s)Offered

2014HIOSPlanIDMapping

PlanSpecificRateIncrease*

(excludingaging)AnthemBronzeBluePreferredX3500/20%/6350Plusw/HSA 32753MO0780011 On/Off Bronze 0.8076 MOSG::BluePreferred 02 32753MO0780003 10.45%AnthemBronzeBluePreferredX3500/20%/6350Plusw/HSA 32753MO0780012 On/Off Bronze 0.7847 MOSG::BluePreferred 05 32753MO0780003 6.40%AnthemBronzeBluePreferredX3500/20%/6350Plusw/HSA 32753MO0780013 On/Off Bronze 0.7760 MOSG::BluePreferred 06 32753MO0780003 3.45%AnthemBronzeBluePreferredX3500/20%/6350Plusw/HSA 32753MO0780014 On/Off Bronze 0.7468 MOSG::BluePreferred 07 32753MO0780003 4.86%AnthemBronzeBluePreferredX3500/20%/6350Plusw/HSA 32753MO0780015 On/Off Bronze 0.7349 MOSG::BluePreferred 08 32753MO0780003 9.17%AnthemBronzeBluePreferredX3500/20%/6350Plusw/HSA 32753MO0780016 On/Off Bronze 0.7701 MOSG::BluePreferred 09 32753MO0780003 5.95%AnthemBronzeBluePreferredX3500/20%/6350Plusw/HSA 32753MO0780017 On/Off Bronze 0.7751 MOSG::BluePreferred 10 32753MO0780003 4.10%AnthemSilverBluePreferredX1500/30%/6600Plus 32753MO0780018 On/Off Silver 1.0485 MOSG::BluePreferred 02 32753MO0780002 26.06%AnthemSilverBluePreferredX1500/30%/6600Plus 32753MO0780019 On/Off Silver 1.0187 MOSG::BluePreferred 05 32753MO0780002 21.44%AnthemSilverBluePreferredX1500/30%/6600Plus 32753MO0780020 On/Off Silver 1.0075 MOSG::BluePreferred 06 32753MO0780002 18.07%AnthemSilverBluePreferredX1500/30%/6600Plus 32753MO0780021 On/Off Silver 0.9696 MOSG::BluePreferred 07 32753MO0780002 8.59%AnthemSilverBluePreferredX1500/30%/6600Plus 32753MO0780022 On/Off Silver 0.9541 MOSG::BluePreferred 08 32753MO0780002 3.67%AnthemSilverBluePreferredX1500/30%/6600Plus 32753MO0780023 On/Off Silver 0.9999 MOSG::BluePreferred 09 32753MO0780002 20.92%AnthemSilverBluePreferredX1500/30%/6600Plus 32753MO0780024 On/Off Silver 1.0064 MOSG::BluePreferred 10 32753MO0780002 18.81%AnthemGoldBluePreferredX1000/20%/5500Plus 32753MO0780004 On/Off Gold 1.1668 MOSG::BluePreferred 02 32753MO0780001 12.88%AnthemGoldBluePreferredX1000/20%/5500Plus 32753MO0780005 On/Off Gold 1.1337 MOSG::BluePreferred 05 32753MO0780001 8.74%AnthemGoldBluePreferredX1000/20%/5500Plus 32753MO0780006 On/Off Gold 1.1212 MOSG::BluePreferred 06 32753MO0780001 5.73%AnthemGoldBluePreferredX1000/20%/5500Plus 32753MO0780007 On/Off Gold 1.0790 MOSG::BluePreferred 07 32753MO0780001 2.77%AnthemGoldBluePreferredX1000/20%/5500Plus 32753MO0780008 On/Off Gold 1.0618 MOSG::BluePreferred 08 32753MO0780001 7.17%AnthemGoldBluePreferredX1000/20%/5500Plus 32753MO0780009 On/Off Gold 1.1127 MOSG::BluePreferred 09 32753MO0780001 8.28%AnthemGoldBluePreferredX1000/20%/5500Plus 32753MO0780010 On/Off Gold 1.1199 MOSG::BluePreferred 10 32753MO0780001 6.39%AnthemBronzeBlueAccess4500E/0%/6350w/HSA 32753MO0790260 Off Bronze 0.9067 MOSG::BlueAccess 02,05,07,08,09,10 32753MO0790023 8.76%AnthemBronzeBlueAccessChoice4500E/0%/6350w/HSA 32753MO0790261 Off Bronze 0.9067 MOSG::BlueAccessChoice 06 32753MO0790114 10.21%AnthemBronzeBluePreferred4500E/0%/6350w/HSA 32753MO0790262 Off Bronze 0.8796 MOSG::BluePreferred 02 32753MO0790115 17.68%AnthemBronzeBluePreferred4500E/0%/6350w/HSA 32753MO0790263 Off Bronze 0.8546 MOSG::BluePreferred 05 32753MO0790115 13.36%AnthemBronzeBluePreferred4500E/0%/6350w/HSA 32753MO0790264 Off Bronze 0.8452 MOSG::BluePreferred 06 32753MO0790115 10.22%AnthemBronzeBluePreferred4500E/0%/6350w/HSA 32753MO0790265 Off Bronze 0.8134 MOSG::BluePreferred 07 32753MO0790115 1.36%AnthemBronzeBluePreferred4500E/0%/6350w/HSA 32753MO0790266 Off Bronze 0.8004 MOSG::BluePreferred 08 32753MO0790115 3.23%AnthemBronzeBluePreferred4500E/0%/6350w/HSA 32753MO0790267 Off Bronze 0.8388 MOSG::BluePreferred 09 32753MO0790115 12.88%AnthemBronzeBluePreferred4500E/0%/6350w/HSA 32753MO0790268 Off Bronze 0.8442 MOSG::BluePreferred 10 32753MO0790115 10.91%AnthemBronzeBluePreferred6000/0%/6600Plus 32753MO0790287 Off Bronze 0.8881 MOSG::BluePreferred 02 32753MO0790185 28.24%AnthemBronzeBluePreferred6000/0%/6600Plus 32753MO0790288 Off Bronze 0.8629 MOSG::BluePreferred 05 32753MO0790185 23.54%AnthemBronzeBluePreferred6000/0%/6600Plus 32753MO0790289 Off Bronze 0.8535 MOSG::BluePreferred 06 32753MO0790185 20.11%AnthemBronzeBluePreferred6000/0%/6600Plus 32753MO0790290 Off Bronze 0.8213 MOSG::BluePreferred 07 32753MO0790185 10.46%AnthemBronzeBluePreferred6000/0%/6600Plus 32753MO0790291 Off Bronze 0.8082 MOSG::BluePreferred 08 32753MO0790185 5.46%AnthemBronzeBluePreferred6000/0%/6600Plus 32753MO0790292 Off Bronze 0.8470 MOSG::BluePreferred 09 32753MO0790185 23.01%AnthemBronzeBluePreferred6000/0%/6600Plus 32753MO0790293 Off Bronze 0.8525 MOSG::BluePreferred 10 32753MO0790185 20.86%AnthemBronzeBlueAccessChoice6000/0%/6600Plus 32753MO0790294 Off Bronze 0.9156 MOSG::BlueAccessChoice 06 32753MO0790184 20.10%AnthemBronzeBlueAccess6000/0%/6600Plus 32753MO0790295 Off Bronze 0.9156 MOSG::BlueAccess 02,05,07,08,09,10 32753MO0790071 18.53%

Exhibit I - Non-Grandfathered Benefit Plan Factors and Rate Increases



25





(excludingaging)




AnthemSilverBlueAccessChoice3000/20%/4500Plus 32753MO0790195 Off Silver 1.0241 MOSG::BlueAccessChoice 06 32753MO0790174 15.92%AnthemSilverBlueAccess3000/20%/4500Plus 32753MO0790196 Off Silver 1.0241 MOSG::BlueAccess 02,05,07,08,09,10 32753MO0790057 14.40%AnthemSilverBluePreferred3000/20%/4500Plus 32753MO0790197 Off Silver 0.9934 MOSG::BluePreferred 02 32753MO0790175 23.78%AnthemSilverBluePreferred3000/20%/4500Plus 32753MO0790198 Off Silver 0.9652 MOSG::BluePreferred 05 32753MO0790175 19.24%AnthemSilverBluePreferred3000/20%/4500Plus 32753MO0790199 Off Silver 0.9546 MOSG::BluePreferred 06 32753MO0790175 15.93%AnthemSilverBluePreferred3000/20%/4500Plus 32753MO0790200 Off Silver 0.9186 MOSG::BluePreferred 07 32753MO0790175 6.61%AnthemSilverBluePreferred3000/20%/4500Plus 32753MO0790201 Off Silver 0.9039 MOSG::BluePreferred 08 32753MO0790175 1.78%AnthemSilverBluePreferred3000/20%/4500Plus 32753MO0790202 Off Silver 0.9473 MOSG::BluePreferred 09 32753MO0790175 18.72%AnthemSilverBluePreferred3000/20%/4500Plus 32753MO0790203 Off Silver 0.9535 MOSG::BluePreferred 10 32753MO0790175 16.66%AnthemSilverBluePreferredOptions2750/40%/6600 32753MO0790259 Off Silver 0.8966 MOSG::BluePreferredOptions 10 None n/aAnthemSilverBlueAccess4000E/0%/5000w/HSA 32753MO0790278 Off Silver 0.9713 MOSG::BlueAccess 02,05,07,08,09,10 32753MO0790033 8.12%AnthemSilverBluePreferred4000E/0%/5000w/HSA 32753MO0790279 Off Silver 0.9422 MOSG::BluePreferred 02 32753MO0790129 16.98%AnthemSilverBluePreferred4000E/0%/5000w/HSA 32753MO0790280 Off Silver 0.9154 MOSG::BluePreferred 05 32753MO0790129 12.69%AnthemSilverBluePreferred4000E/0%/5000w/HSA 32753MO0790281 Off Silver 0.9054 MOSG::BluePreferred 06 32753MO0790129 9.56%AnthemSilverBluePreferred4000E/0%/5000w/HSA 32753MO0790282 Off Silver 0.8713 MOSG::BluePreferred 07 32753MO0790129 0.76%AnthemSilverBluePreferred4000E/0%/5000w/HSA 32753MO0790283 Off Silver 0.8573 MOSG::BluePreferred 08 32753MO0790129 3.81%AnthemSilverBluePreferred4000E/0%/5000w/HSA 32753MO0790284 Off Silver 0.8985 MOSG::BluePreferred 09 32753MO0790129 12.20%AnthemSilverBluePreferred4000E/0%/5000w/HSA 32753MO0790285 Off Silver 0.9043 MOSG::BluePreferred 10 32753MO0790129 10.25%AnthemSilverBlueAccessChoice4000E/0%/5000w/HSA 32753MO0790286 Off Silver 0.9713 MOSG::BlueAccessChoice 06 32753MO0790128 9.55%AnthemSilverBlueAccessChoice2000/30%/6600 32753MO0790296 Off Silver 1.0079 MOSG::BlueAccessChoice 06 None n/aAnthemSilverBluePreferred2000/30%/6600 32753MO0790297 Off Silver 0.9777 MOSG::BluePreferred 02 32753MO0790149 15.10%AnthemSilverBluePreferred2000/30%/6600 32753MO0790298 Off Silver 0.9500 MOSG::BluePreferred 05 32753MO0790149 10.88%AnthemSilverBluePreferred2000/30%/6600 32753MO0790299 Off Silver 0.9396 MOSG::BluePreferred 06 32753MO0790149 7.81%AnthemSilverBluePreferred2000/30%/6600 32753MO0790300 Off Silver 0.9042 MOSG::BluePreferred 07 32753MO0790149 0.85%AnthemSilverBluePreferred2000/30%/6600 32753MO0790301 Off Silver 0.8897 MOSG::BluePreferred 08 32753MO0790149 5.35%AnthemSilverBluePreferred2000/30%/6600 32753MO0790302 Off Silver 0.9324 MOSG::BluePreferred 09 32753MO0790149 10.41%AnthemSilverBluePreferred2000/30%/6600 32753MO0790303 Off Silver 0.9385 MOSG::BluePreferred 10 32753MO0790149 8.48%AnthemSilverBlueAccess2000/30%/6600 32753MO0790304 Off Silver 1.0079 MOSG::BlueAccess 02,05,07,08,09,10 None n/aAnthemSilverBluePreferred5000/20%/6600 32753MO0790305 Off Silver 0.9244 MOSG::BluePreferred 02 32753MO0790163 14.73%AnthemSilverBluePreferred5000/20%/6600 32753MO0790306 Off Silver 0.8982 MOSG::BluePreferred 05 32753MO0790163 10.52%AnthemSilverBluePreferred5000/20%/6600 32753MO0790307 Off Silver 0.8883 MOSG::BluePreferred 06 32753MO0790163 7.46%AnthemSilverBluePreferred5000/20%/6600 32753MO0790308 Off Silver 0.8548 MOSG::BluePreferred 07 32753MO0790163 1.18%AnthemSilverBluePreferred5000/20%/6600 32753MO0790309 Off Silver 0.8412 MOSG::BluePreferred 08 32753MO0790163 5.65%AnthemSilverBluePreferred5000/20%/6600 32753MO0790310 Off Silver 0.8815 MOSG::BluePreferred 09 32753MO0790163 10.05%AnthemSilverBluePreferred5000/20%/6600 32753MO0790311 Off Silver 0.8873 MOSG::BluePreferred 10 32753MO0790163 8.13%AnthemSilverBlueAccessChoice5000/20%/6600 32753MO0790312 Off Silver 0.9530 MOSG::BlueAccessChoice 06 32753MO0790162 7.45%AnthemSilverBlueAccess5000/20%/6600 32753MO0790313 Off Silver 0.9530 MOSG::BlueAccess 02,05,07,08,09,10 32753MO0790051 6.04%AnthemSilverBlueAccess2600E/20%/5500w/HSA 32753MO0790314 Off Silver 0.9649 MOSG::BlueAccess 02,05,07,08,09,10 32753MO0790016 0.23%AnthemSilverBlueAccessChoice2600E/20%/5500w/HSA 32753MO0790315 Off Silver 0.9649 MOSG::BlueAccessChoice 06 32753MO0790100 1.56%

26





(excludingaging)




AnthemSilverBluePreferred2600E/20%/5500w/HSA 32753MO0790316 Off Silver 0.9360 MOSG::BluePreferred 02 32753MO0790101 8.44%AnthemSilverBluePreferred2600E/20%/5500w/HSA 32753MO0790317 Off Silver 0.9095 MOSG::BluePreferred 05 32753MO0790101 4.47%AnthemSilverBluePreferred2600E/20%/5500w/HSA 32753MO0790318 Off Silver 0.8995 MOSG::BluePreferred 06 32753MO0790101 1.57%AnthemSilverBluePreferred2600E/20%/5500w/HSA 32753MO0790319 Off Silver 0.8656 MOSG::BluePreferred 07 32753MO0790101 6.59%AnthemSilverBluePreferred2600E/20%/5500w/HSA 32753MO0790320 Off Silver 0.8518 MOSG::BluePreferred 08 32753MO0790101 10.82%AnthemSilverBluePreferred2600E/20%/5500w/HSA 32753MO0790321 Off Silver 0.8926 MOSG::BluePreferred 09 32753MO0790101 4.02%AnthemSilverBluePreferred2600E/20%/5500w/HSA 32753MO0790322 Off Silver 0.8984 MOSG::BluePreferred 10 32753MO0790101 2.21%AnthemGoldBlueAccessChoice1000/20%/2500Plus 32753MO0790186 Off Gold 1.2315 MOSG::BlueAccessChoice 06 32753MO0790166 9.26%AnthemGoldBlueAccess1000/20%/2500Plus 32753MO0790187 Off Gold 1.2315 MOSG::BlueAccess 02,05,07,08,09,10 32753MO0790053 7.82%AnthemGoldBluePreferred1000/20%/2500Plus 32753MO0790188 Off Gold 1.1946 MOSG::BluePreferred 02 32753MO0790167 16.66%AnthemGoldBluePreferred1000/20%/2500Plus 32753MO0790189 Off Gold 1.1607 MOSG::BluePreferred 05 32753MO0790167 12.38%AnthemGoldBluePreferred1000/20%/2500Plus 32753MO0790190 Off Gold 1.1480 MOSG::BluePreferred 06 32753MO0790167 9.27%AnthemGoldBluePreferred1000/20%/2500Plus 32753MO0790191 Off Gold 1.1048 MOSG::BluePreferred 07 32753MO0790167 0.49%AnthemGoldBluePreferred1000/20%/2500Plus 32753MO0790192 Off Gold 1.0871 MOSG::BluePreferred 08 32753MO0790167 4.06%AnthemGoldBluePreferred1000/20%/2500Plus 32753MO0790193 Off Gold 1.1393 MOSG::BluePreferred 09 32753MO0790167 11.90%AnthemGoldBluePreferred1000/20%/2500Plus 32753MO0790194 Off Gold 1.1466 MOSG::BluePreferred 10 32753MO0790167 9.95%AnthemGoldBluePreferredOptions500/20%/4000 32753MO0790204 Off Gold 1.1425 MOSG::BluePreferredOptions 10 None n/aAnthemGoldBlueAccessChoice1500/30%/5000 32753MO0790205 Off Gold 1.1854 MOSG::BlueAccessChoice 06 32753MO0790140 5.98%AnthemGoldBluePreferred1500/30%/5000 32753MO0790206 Off Gold 1.1499 MOSG::BluePreferred 02 32753MO0790141 13.16%AnthemGoldBluePreferred1500/30%/5000 32753MO0790207 Off Gold 1.1173 MOSG::BluePreferred 05 32753MO0790141 9.01%AnthemGoldBluePreferred1500/30%/5000 32753MO0790208 Off Gold 1.1050 MOSG::BluePreferred 06 32753MO0790141 5.99%AnthemGoldBluePreferred1500/30%/5000 32753MO0790209 Off Gold 1.0634 MOSG::BluePreferred 07 32753MO0790141 2.53%AnthemGoldBluePreferred1500/30%/5000 32753MO0790210 Off Gold 1.0464 MOSG::BluePreferred 08 32753MO0790141 6.94%AnthemGoldBluePreferred1500/30%/5000 32753MO0790211 Off Gold 1.0966 MOSG::BluePreferred 09 32753MO0790141 8.54%AnthemGoldBluePreferred1500/30%/5000 32753MO0790212 Off Gold 1.1037 MOSG::BluePreferred 10 32753MO0790141 6.65%AnthemGoldBlueAccess1500/30%/5000 32753MO0790213 Off Gold 1.1854 MOSG::BlueAccess 02,05,07,08,09,10 32753MO0790039 4.59%AnthemGoldBlueAccessChoice5000/0%/5000 32753MO0790214 Off Gold 1.1306 MOSG::BlueAccessChoice 06 32753MO0790158 6.28%AnthemGoldBlueAccess5000/0%/5000 32753MO0790215 Off Gold 1.1306 MOSG::BlueAccess 02,05,07,08,09,10 32753MO0790049 4.88%AnthemGoldBluePreferred5000/0%/5000 32753MO0790216 Off Gold 1.0967 MOSG::BluePreferred 02 32753MO0790159 13.48%AnthemGoldBluePreferred5000/0%/5000 32753MO0790217 Off Gold 1.0656 MOSG::BluePreferred 05 32753MO0790159 9.32%AnthemGoldBluePreferred5000/0%/5000 32753MO0790218 Off Gold 1.0539 MOSG::BluePreferred 06 32753MO0790159 6.28%AnthemGoldBluePreferred5000/0%/5000 32753MO0790219 Off Gold 1.0142 MOSG::BluePreferred 07 32753MO0790159 2.26%AnthemGoldBluePreferred5000/0%/5000 32753MO0790220 Off Gold 0.9980 MOSG::BluePreferred 08 32753MO0790159 6.68%AnthemGoldBluePreferred5000/0%/5000 32753MO0790221 Off Gold 1.0459 MOSG::BluePreferred 09 32753MO0790159 8.85%AnthemGoldBluePreferred5000/0%/5000 32753MO0790222 Off Gold 1.0527 MOSG::BluePreferred 10 32753MO0790159 6.95%AnthemGoldBluePreferred3500/0%/4000 32753MO0790223 Off Gold 1.1643 MOSG::BluePreferred 02 32753MO0790157 10.89%AnthemGoldBluePreferred3500/0%/4000 32753MO0790224 Off Gold 1.1312 MOSG::BluePreferred 05 32753MO0790157 6.82%AnthemGoldBluePreferred3500/0%/4000 32753MO0790225 Off Gold 1.1188 MOSG::BluePreferred 06 32753MO0790157 3.86%AnthemGoldBluePreferred3500/0%/4000 32753MO0790226 Off Gold 1.0766 MOSG::BluePreferred 07 32753MO0790157 4.49%

27





(excludingaging)




AnthemGoldBluePreferred3500/0%/4000 32753MO0790227 Off Gold 1.0594 MOSG::BluePreferred 08 32753MO0790157 8.81%AnthemGoldBluePreferred3500/0%/4000 32753MO0790228 Off Gold 1.1103 MOSG::BluePreferred 09 32753MO0790157 6.36%AnthemGoldBluePreferred3500/0%/4000 32753MO0790229 Off Gold 1.1175 MOSG::BluePreferred 10 32753MO0790157 4.51%AnthemGoldBlueAccess3500/0%/4000 32753MO0790230 Off Gold 1.2002 MOSG::BlueAccess 02,05,07,08,09,10 32753MO0790048 2.49%AnthemGoldBlueAccessChoice3500/0%/4000 32753MO0790231 Off Gold 1.2002 MOSG::BlueAccessChoice 06 32753MO0790156 3.85%AnthemGoldBlueAccessChoice1000/20%/3500 32753MO0790232 Off Gold 1.2524 MOSG::BlueAccessChoice 06 None n/aAnthemGoldBlueAccess1000/20%/3500 32753MO0790233 Off Gold 1.2524 MOSG::BlueAccess 02,05,07,08,09,10 None n/aAnthemGoldBluePreferred1000/20%/3500 32753MO0790234 Off Gold 1.2148 MOSG::BluePreferred 02 32753MO0790042 11.13%AnthemGoldBluePreferred1000/20%/3500 32753MO0790235 Off Gold 1.1804 MOSG::BluePreferred 05 32753MO0790042 7.05%AnthemGoldBluePreferred1000/20%/3500 32753MO0790236 Off Gold 1.1674 MOSG::BluePreferred 06 32753MO0790042 4.08%AnthemGoldBluePreferred1000/20%/3500 32753MO0790237 Off Gold 1.1234 MOSG::BluePreferred 07 32753MO0790042 4.28%AnthemGoldBluePreferred1000/20%/3500 32753MO0790238 Off Gold 1.1055 MOSG::BluePreferred 08 32753MO0790042 8.61%AnthemGoldBluePreferred1000/20%/3500 32753MO0790239 Off Gold 1.1585 MOSG::BluePreferred 09 32753MO0790042 6.59%AnthemGoldBluePreferred1000/20%/3500 32753MO0790240 Off Gold 1.1660 MOSG::BluePreferred 10 32753MO0790042 4.74%AnthemGoldBlueAccess2500/20%/4500 32753MO0790241 Off Gold 1.1673 MOSG::BlueAccess 02,05,07,08,09,10 32753MO0790041 4.36%AnthemGoldBlueAccessChoice2500/20%/4500 32753MO0790242 Off Gold 1.1673 MOSG::BlueAccessChoice 06 32753MO0790144 5.75%AnthemGoldBluePreferred2500/20%/4500 32753MO0790243 Off Gold 1.1323 MOSG::BluePreferred 02 32753MO0790145 12.91%AnthemGoldBluePreferred2500/20%/4500 32753MO0790244 Off Gold 1.1001 MOSG::BluePreferred 05 32753MO0790145 8.77%AnthemGoldBluePreferred2500/20%/4500 32753MO0790245 Off Gold 1.0881 MOSG::BluePreferred 06 32753MO0790145 5.75%AnthemGoldBluePreferred2500/20%/4500 32753MO0790246 Off Gold 1.0471 MOSG::BluePreferred 07 32753MO0790145 2.74%AnthemGoldBluePreferred2500/20%/4500 32753MO0790247 Off Gold 1.0303 MOSG::BluePreferred 08 32753MO0790145 7.15%AnthemGoldBluePreferred2500/20%/4500 32753MO0790248 Off Gold 1.0798 MOSG::BluePreferred 09 32753MO0790145 8.31%AnthemGoldBluePreferred2500/20%/4500 32753MO0790249 Off Gold 1.0868 MOSG::BluePreferred 10 32753MO0790145 6.42%AnthemGoldBlueAccessChoice1500/20%/4000 32753MO0790250 Off Gold 1.2267 MOSG::BlueAccessChoice 06 32753MO0790154 5.80%AnthemGoldBlueAccess1500/20%/4000 32753MO0790251 Off Gold 1.2267 MOSG::BlueAccess 02,05,07,08,09,10 32753MO0790047 4.41%AnthemGoldBluePreferred1500/20%/4000 32753MO0790252 Off Gold 1.1899 MOSG::BluePreferred 02 32753MO0790155 12.96%AnthemGoldBluePreferred1500/20%/4000 32753MO0790253 Off Gold 1.1561 MOSG::BluePreferred 05 32753MO0790155 8.82%AnthemGoldBluePreferred1500/20%/4000 32753MO0790254 Off Gold 1.1435 MOSG::BluePreferred 06 32753MO0790155 5.80%AnthemGoldBluePreferred1500/20%/4000 32753MO0790255 Off Gold 1.1004 MOSG::BluePreferred 07 32753MO0790155 2.70%AnthemGoldBluePreferred1500/20%/4000 32753MO0790256 Off Gold 1.0828 MOSG::BluePreferred 08 32753MO0790155 7.11%AnthemGoldBluePreferred1500/20%/4000 32753MO0790257 Off Gold 1.1348 MOSG::BluePreferred 09 32753MO0790155 8.35%AnthemGoldBluePreferred1500/20%/4000 32753MO0790258 Off Gold 1.1421 MOSG::BluePreferred 10 32753MO0790155 6.47%AnthemGoldBluePreferred500/20%/3500 32753MO0790269 Off Gold 1.2414 MOSG::BluePreferred 02 32753MO0790077 11.53%AnthemGoldBluePreferred500/20%/3500 32753MO0790270 Off Gold 1.2062 MOSG::BluePreferred 05 32753MO0790077 7.44%AnthemGoldBluePreferred500/20%/3500 32753MO0790271 Off Gold 1.1929 MOSG::BluePreferred 06 32753MO0790077 4.46%AnthemGoldBluePreferred500/20%/3500 32753MO0790272 Off Gold 1.1480 MOSG::BluePreferred 07 32753MO0790077 3.93%AnthemGoldBluePreferred500/20%/3500 32753MO0790273 Off Gold 1.1297 MOSG::BluePreferred 08 32753MO0790077 8.28%AnthemGoldBluePreferred500/20%/3500 32753MO0790274 Off Gold 1.1839 MOSG::BluePreferred 09 32753MO0790077 6.98%AnthemGoldBluePreferred500/20%/3500 32753MO0790275 Off Gold 1.1915 MOSG::BluePreferred 10 32753MO0790077 5.12%

28





(excludingaging)




AnthemGoldBlueAccessChoice500/20%/3500 32753MO0790276 Off Gold 1.2797 MOSG::BlueAccessChoice 06 32753MO0790076 4.45%AnthemGoldBlueAccess500/20%/3500 32753MO0790277 Off Gold 1.2797 MOSG::BlueAccess 02,05,07,08,09,10 32753MO0790004 3.08%AnthemGoldBlueAccess2000/0%/4000 32753MO0790323 Off Gold 1.2607 MOSG::BlueAccess 02,05,07,08,09,10 None n/aAnthemGoldBlueAccessChoice2000/0%/4000 32753MO0790324 Off Gold 1.2607 MOSG::BlueAccessChoice 06 None n/aAnthemGoldBluePreferred2000/0%/4000 32753MO0790325 Off Gold 1.2229 MOSG::BluePreferred 02 None n/aAnthemGoldBluePreferred2000/0%/4000 32753MO0790326 Off Gold 1.1882 MOSG::BluePreferred 05 None n/aAnthemGoldBluePreferred2000/0%/4000 32753MO0790327 Off Gold 1.1751 MOSG::BluePreferred 06 None n/aAnthemGoldBluePreferred2000/0%/4000 32753MO0790328 Off Gold 1.1309 MOSG::BluePreferred 07 None n/aAnthemGoldBluePreferred2000/0%/4000 32753MO0790329 Off Gold 1.1128 MOSG::BluePreferred 08 None n/aAnthemGoldBluePreferred2000/0%/4000 32753MO0790330 Off Gold 1.1662 MOSG::BluePreferred 09 None n/aAnthemGoldBluePreferred2000/0%/4000 32753MO0790331 Off Gold 1.1737 MOSG::BluePreferred 10 None n/a

NOTES:

Planlevelincreasesinratesdonotincludedemographicchangesinthepopulation.

BenefitPlanFactorsabovereflectplanbyplandifferencesfromtheindexrateforallowableadjustmentsasdescribedindetailintheMarketReformandPaymentParametersRegulationsandillustratedinExhibitP.TheweightedaverageoftheseadjustmentsfortheentireriskpoolincludedinthisratefilingisdetailedinExhibitH.

29

Age AgeRatingFactor TobaccoRatingFactor017 0.635 1.00018 0.635 1.00019 0.635 1.00020 0.635 1.00021 1.000 1.00022 1.000 1.00023 1.000 1.00024 1.000 1.00025 1.004 1.00026 1.024 1.00027 1.048 1.00028 1.087 1.00029 1.119 1.00030 1.135 1.05031 1.159 1.05032 1.183 1.05033 1.198 1.05034 1.214 1.05035 1.222 1.10036 1.230 1.10037 1.238 1.10038 1.246 1.10039 1.262 1.10040 1.278 1.20041 1.302 1.20042 1.325 1.20043 1.357 1.20044 1.397 1.20045 1.444 1.30046 1.500 1.30047 1.563 1.30048 1.635 1.30049 1.706 1.30050 1.786 1.40051 1.865 1.40052 1.952 1.40053 2.040 1.40054 2.135 1.40055 2.230 1.40056 2.333 1.40057 2.437 1.40058 2.548 1.40059 2.603 1.40060 2.714 1.40061 2.810 1.40062 2.873 1.40063 2.952 1.40064+ 3.000 1.400

NOTES:

Exhibit J - Age and Tobacco Factors



{1}TheweightedaveragesofthesefactorsfortheentireriskpoolincludedinthisratefilingisdetailedinExhibitH.

RatingAreaDescription AreaRatingFactorRatingArea2Northeast 1.1246RatingArea5Central 1.0305RatingArea6St.LouisMetro 0.9570RatingArea7Joplin 0.9439RatingArea8Springfield 1.0124RatingArea9SouthCentral 1.0789RatingArea10Southeast 1.2519

NOTES:{1}TheweightedaverageofthesefactorsfortheentireriskpoolincludedinthisratefilingisdetailedinExhibitH.

Exhibit K - Area Factors



GroupName: SampleGroupEffectiveDate: 1/1/2015On/OffExchange: OffMetalLevel: SilverPlanID: 32753MO0790300RatingArea: RatingArea7JoplinGroupCensus:

AgeTobaccoUser Age

TobaccoUser Age

TobaccoUser Age

TobaccoUser Age

TobaccoUser

Employee11 24 Yes 23 No 0 NoEmployee12 26 NoEmployee13 28 NoEmployee14 32 Yes 33 NoEmployee15 30 No 2 No 4 NoEmployee16 45 No 45 No 18 No 15 No 12 NoEmployee17 53 Yes 55 YesEmployee18 41 No 16 No 13 NoEmployee19 56 NoEmployee110 39 No 25 YesEmployee111 62 NoEmployee112 64 No 64 No

CalculationofMonthlyPremium:BaseRate= ExhibitAxBenefitPlanFactor ExhibitIxAreaFactor ExhibitKBaseRateAdjustedforPlan/Area=

Age/TobaccoFactors: ExhibitJ

AgeFactor

TobaccoFactor

AgeFactor

TobaccoFactor

AgeFactor

TobaccoFactor

AgeFactor

TobaccoFactor

AgeFactor

TobaccoFactor

Employee11 1.000 1.0000 1.000 1.0000 0.635 1.0000Employee12 1.024 1.0000Employee13 1.087 1.0000Employee14 1.183 1.0500 1.198 1.0000Employee15 1.135 1.0000 0.635 1.0000 0.635 1.0000Employee16 1.444 1.0000 1.444 1.0000 0.635 1.0000 0.635 1.0000 0.635 1.0000Employee17 2.040 1.4000 2.230 1.4000Employee18 1.302 1.0000 0.635 1.0000 0.635 1.0000Employee19 2.333 1.0000Employee110 1.262 1.0000 1.004 1.0000Employee111 2.873 1.0000Employee112 3.000 1.0000 3.000 1.0000

FinalMonthlyPremiumPMPM:

Employee11Employee12Employee13Employee14Employee15Employee16Employee17Employee18Employee19Employee110Employee111Employee112

NOTES:

{2}ThissamplecalculationignoresthetobaccooffsetunderaWellnessProgramasdescribedintheMarketReformRule.{3}Minorratevariancesmayoccurduetodifferencesinroundingmethodology.

685.98$ 685.98$ 1,371.96$

{1}AspertheMarketReformRule,whencomputingfamilypremiumsnomorethanthethreeoldestcoveredchildrenundertheageof21aretakenintoaccountwhereasthepremiumsassociatedwitheachchildage21+a

533.46$ 533.46$288.57$ 229.57$ 518.14$656.94$ 656.94$

653.05$ 713.88$ 1,366.93$297.72$ 290.40$ 588.12$

259.53$ 290.40$ 549.93$330.19$ 330.19$ 435.60$ 1,095.98$

234.15$ 234.15$248.55$ 248.55$284.03$ 273.93$ 557.96$

Employee Spouse Children Total228.66$ 228.66$ 145.20$ 602.52$

$267.920.90420.9439

$228.66

Employee Spouse Child11 Child12 Child13

Exhibit L - Sample Rate Calculation



Employee Spouse Child11 Child12 Child13

Numerator:IncurredClaims 289.57$ ExhibitA+QualityImprovementExpense 3.27$ ExhibitG+RiskCorridorContributions $+RiskAdjustmentNetTransfer $ ExhibitF+ReinsuranceReceipts $ ExhibitF+RiskCorridorReceipts $+ReductiontoRxIncurredClaims(ACAMLR) (6.84)$ {5}=Estimated FederalMLRNumerator 286.00$

Denominator:Premiums 376.45$ ExhibitAFederalandStateTaxes 11.07$ ExhibitA(Line13)xExhibitG(IncomeTaxes)PremiumTaxes 1.28$ ExhibitA(Line13)xExhibitG(PremiumTax)RiskAdjustmentUserFee 0.08$ ExhibitFReinsuranceContributions 3.55$ ExhibitFLicensingandRegulatoryFees 14.86$ ExhibitA(Line13)xExhibitG(Fees)=Estimated FederalMLRDenominator 345.60$

Estimated FederalMLR 82.76%

NOTES:

{1}Theabovecalculationrepresentsonlytheproductsinthisfiling.FederalMLRwillbecalculatedatthelegalentityandmarketlevel.{2}Notallnumerator/denominatorcomponentsarecapturedabove(forexample,fraudandpreventionprogramcosts,payrolltaxes,assessmentsforstatehighriskpoolsetc.).{3}OtheradjustmentsmayalsobeappliedwithinthefederalMLRcalculationsuchas3yearaveraging,newbusiness,credibility,deductibleanddualoption.Theseareignoredintheabovecalculation.{4}LicensingandRegulatoryFeesincludeACArelatedfeesasallowedundertheMLRFinalRule.

{5}Thisisthepercentageof2015pharmacyclaimsthatareattributabletoPBMAdministrativeExpenses(i.e.the"retailspread"or"pharmacyclaimsmargin").Itiscalculatedbyapplyingthe3rdpartymarginpercentagetothe2015projectedPharmacyclaimsincludingprojectedrebates.

Exhibit M - Federal MLR Estimated Calculation



TheabovecalculationispurelyanestimateandnotmeanttobecomparedtotheminimumMLRbenchmarkforfederal/stateMLRrebatepurposes:

1) ProjectedPaidClaimCost 293.79$ ExhibitA,LineItem82) NonEHBsEmbeddedinLineItem1)Above $3) =ProjectedPaidClaims,ExcludingALLNonEHBs 293.79$4) +RxRebates (6.50)$ ExhibitE5) +AdditionalEHBs{1} 1.79$ ExhibitE6) =ProjectedPaidClaimsReflectingonlyEHBs 289.08$7) PaidtoAllowedRatio 0.71658) =ProjectedAllowedClaimsReflectingonlyEHBs 403.46$ =IndexRate

NOTE:{1} PediatricDentalandPediatricVision

ExhibitNIndexRateDevelopmentHealthy Alliance Life Insurance Company

Small Group


1Q15 2Q15 3Q15 4Q15MemberWeighted

AverageRenewingMemberMonths 316,513 322,876 386,061 803,007 1,828,457QuarterlyAllowedTrend 2.19% 2.19% 2.19%IndexRate 403.46$ 412.31$ 421.36$ 430.60$ 420.72$ReinsuranceContribution 3.55$ 3.21$ 2.87$ 2.53$ExpectedReinsurancePayments $ $ $ $RiskAdjustmentFee 0.08$ 0.08$ 0.08$ 0.08$RiskAdjustmentNetTransfer $ $ $ $ExchangeFee 1.32$ 1.35$ 1.38$ 1.41$PaidtoallowedRatio 0.7165 0.7165 0.7165 0.7165

MarketAdjustedIndexRate 410.37$ 418.79$ 427.40$ 436.20$ 426.80$QuarterlyBaseRateTrend 2.17% 2.18% 2.20%BaseRate 267.92$ 273.73$ 279.70$ 285.85$ 279.31$

NOTES:{1}The1Q15indexratewasderivedinExhibitN.{2}The1Q15indexrateisassumedtoincreasewithquarterlyallowedtrendasillustratedabove.

{5}The1Q15baseratewasderivedinExhibitA.

{7}Minorratevariancesmayoccurduetodifferencesinroundingmethodology.

{4}MarketAdjustedIndexRate=IndexRate+((Reinsurance+RiskAdjustmentFee+ExchangeFee)PaidtoallowedRatio)

{6}The1Q15baserateisassumedtoincreasewithquarterlypaidtrendasillustratedabove.ThistrendratediffersfromtheindexratetrendinthatitincludesanticipatedchangesfornonEHBs,deductibleleveraging,fees,andriskmitigationprograms.

Exhibit O - Quarterly Index, Base, and Market Adjusted Index Rate Development


RatesEffective:

{3}The1Q15reinsuranceandriskadjustmentfeesandpaymentsareshowninExhibitF.ThereinsurancecontributionforothereffectivedatesiscalculatedbythesamemethodshowninExhibitF.

HIOSPlanName HIOSPlanID

MarketAdjustedIndexRate(ExhibitO)

CostSharingAdjustment

ProviderNetwork

Adjustment

AdjustmentforBenefitsin

AdditiontotheEHBS

CatastrophicPlanAdjustment

{1} AdministrativeCosts

PlanAdjustedIndexRate

{2}

CalibrationFactor{3}

Adjustto1Q15effdate

ConsumerAdjustedPremiumRate

{4}AnthemBronzeBluePreferredX3500/20%/6350Plusw/HSA 32753MO0780011 $426.80 0.5746 0.9968 1.0110 1.0000 $68.82 $315.96 1.4006 0.9592 $216.39AnthemBronzeBluePreferredX3500/20%/6350Plusw/HSA 32753MO0780012 $426.80 0.5746 0.9685 1.0110 1.0000 $66.88 $307.00 1.4006 0.9592 $210.25AnthemBronzeBluePreferredX3500/20%/6350Plusw/HSA 32753MO0780013 $426.80 0.5746 0.9578 1.0110 1.0000 $66.15 $303.63 1.4006 0.9592 $207.94AnthemBronzeBluePreferredX3500/20%/6350Plusw/HSA 32753MO0780014 $426.80 0.5746 0.9217 1.0110 1.0000 $63.66 $292.19 1.4006 0.9592 $200.11AnthemBronzeBluePreferredX3500/20%/6350Plusw/HSA 32753MO0780015 $426.80 0.5746 0.9070 1.0110 1.0000 $62.65 $287.52 1.4006 0.9592 $196.91AnthemBronzeBluePreferredX3500/20%/6350Plusw/HSA 32753MO0780016 $426.80 0.5746 0.9505 1.0110 1.0000 $65.64 $301.32 1.4006 0.9592 $206.36AnthemBronzeBluePreferredX3500/20%/6350Plusw/HSA 32753MO0780017 $426.80 0.5746 0.9567 1.0110 1.0000 $66.07 $303.27 1.4006 0.9592 $207.70AnthemSilverBluePreferredX1500/30%/6600Plus 32753MO0780018 $426.80 0.7479 0.9968 1.0085 1.0000 $89.34 $410.22 1.4006 0.9592 $280.94AnthemSilverBluePreferredX1500/30%/6600Plus 32753MO0780019 $426.80 0.7479 0.9685 1.0085 1.0000 $86.82 $398.58 1.4006 0.9592 $272.97AnthemSilverBluePreferredX1500/30%/6600Plus 32753MO0780020 $426.80 0.7479 0.9578 1.0085 1.0000 $85.87 $394.20 1.4006 0.9592 $269.97AnthemSilverBluePreferredX1500/30%/6600Plus 32753MO0780021 $426.80 0.7479 0.9217 1.0085 1.0000 $82.65 $379.36 1.4006 0.9592 $259.80AnthemSilverBluePreferredX1500/30%/6600Plus 32753MO0780022 $426.80 0.7479 0.9070 1.0085 1.0000 $81.33 $373.29 1.4006 0.9592 $255.65AnthemSilverBluePreferredX1500/30%/6600Plus 32753MO0780023 $426.80 0.7479 0.9505 1.0085 1.0000 $85.22 $391.21 1.4006 0.9592 $267.92AnthemSilverBluePreferredX1500/30%/6600Plus 32753MO0780024 $426.80 0.7479 0.9567 1.0085 1.0000 $85.77 $393.74 1.4006 0.9592 $269.65AnthemGoldBluePreferredX1000/20%/5500Plus 32753MO0780004 $426.80 0.8330 0.9968 1.0076 1.0000 $99.44 $456.51 1.4006 0.9592 $312.64AnthemGoldBluePreferredX1000/20%/5500Plus 32753MO0780005 $426.80 0.8330 0.9685 1.0076 1.0000 $96.62 $443.56 1.4006 0.9592 $303.77AnthemGoldBluePreferredX1000/20%/5500Plus 32753MO0780006 $426.80 0.8330 0.9578 1.0076 1.0000 $95.57 $438.69 1.4006 0.9592 $300.44AnthemGoldBluePreferredX1000/20%/5500Plus 32753MO0780007 $426.80 0.8330 0.9217 1.0076 1.0000 $91.98 $422.17 1.4006 0.9592 $289.12AnthemGoldBluePreferredX1000/20%/5500Plus 32753MO0780008 $426.80 0.8330 0.9070 1.0076 1.0000 $90.52 $415.42 1.4006 0.9592 $284.50AnthemGoldBluePreferredX1000/20%/5500Plus 32753MO0780009 $426.80 0.8330 0.9505 1.0076 1.0000 $94.84 $435.35 1.4006 0.9592 $298.15AnthemGoldBluePreferredX1000/20%/5500Plus 32753MO0780010 $426.80 0.8330 0.9567 1.0076 1.0000 $95.46 $438.18 1.4006 0.9592 $300.09AnthemBronzeBlueAccess4500E/0%/6350w/HSA 32753MO0790260 $426.80 0.6328 1.0276 1.0000 1.0000 $77.22 $354.77 1.4006 0.9592 $242.96AnthemBronzeBlueAccessChoice4500E/0%/6350w/HSA 32753MO0790261 $426.80 0.6328 1.0276 1.0000 1.0000 $77.22 $354.77 1.4006 0.9592 $242.96AnthemBronzeBluePreferred4500E/0%/6350w/HSA 32753MO0790262 $426.80 0.6328 0.9968 1.0000 1.0000 $74.91 $344.13 1.4006 0.9592 $235.68AnthemBronzeBluePreferred4500E/0%/6350w/HSA 32753MO0790263 $426.80 0.6328 0.9685 1.0000 1.0000 $72.79 $334.37 1.4006 0.9592 $228.99AnthemBronzeBluePreferred4500E/0%/6350w/HSA 32753MO0790264 $426.80 0.6328 0.9578 1.0000 1.0000 $72.00 $330.70 1.4006 0.9592 $226.48AnthemBronzeBluePreferred4500E/0%/6350w/HSA 32753MO0790265 $426.80 0.6328 0.9217 1.0000 1.0000 $69.29 $318.24 1.4006 0.9592 $217.95AnthemBronzeBluePreferred4500E/0%/6350w/HSA 32753MO0790266 $426.80 0.6328 0.9070 1.0000 1.0000 $68.19 $313.15 1.4006 0.9592 $214.46AnthemBronzeBluePreferred4500E/0%/6350w/HSA 32753MO0790267 $426.80 0.6328 0.9505 1.0000 1.0000 $71.45 $328.18 1.4006 0.9592 $224.76AnthemBronzeBluePreferred4500E/0%/6350w/HSA 32753MO0790268 $426.80 0.6328 0.9567 1.0000 1.0000 $71.91 $330.31 1.4006 0.9592 $226.21AnthemBronzeBluePreferred6000/0%/6600Plus 32753MO0790287 $426.80 0.6327 0.9968 1.0100 1.0000 $75.63 $347.49 1.4006 0.9592 $237.98AnthemBronzeBluePreferred6000/0%/6600Plus 32753MO0790288 $426.80 0.6327 0.9685 1.0100 1.0000 $73.49 $337.63 1.4006 0.9592 $231.23AnthemBronzeBluePreferred6000/0%/6600Plus 32753MO0790289 $426.80 0.6327 0.9578 1.0100 1.0000 $72.69 $333.92 1.4006 0.9592 $228.69AnthemBronzeBluePreferred6000/0%/6600Plus 32753MO0790290 $426.80 0.6327 0.9217 1.0100 1.0000 $69.96 $321.34 1.4006 0.9592 $220.07AnthemBronzeBluePreferred6000/0%/6600Plus 32753MO0790291 $426.80 0.6327 0.9070 1.0100 1.0000 $68.84 $316.21 1.4006 0.9592 $216.55AnthemBronzeBluePreferred6000/0%/6600Plus 32753MO0790292 $426.80 0.6327 0.9505 1.0100 1.0000 $72.14 $331.38 1.4006 0.9592 $226.95AnthemBronzeBluePreferred6000/0%/6600Plus 32753MO0790293 $426.80 0.6327 0.9567 1.0100 1.0000 $72.60 $333.53 1.4006 0.9592 $228.42AnthemBronzeBlueAccessChoice6000/0%/6600Plus 32753MO0790294 $426.80 0.6327 1.0276 1.0100 1.0000 $77.96 $358.23 1.4006 0.9592 $245.33AnthemBronzeBlueAccess6000/0%/6600Plus 32753MO0790295 $426.80 0.6327 1.0276 1.0100 1.0000 $77.96 $358.23 1.4006 0.9592 $245.33AnthemSilverBlueAccessChoice3000/20%/4500Plus 32753MO0790195 $426.80 0.7084 1.0276 1.0089 1.0000 $87.22 $400.67 1.4006 0.9592 $274.40AnthemSilverBlueAccess3000/20%/4500Plus 32753MO0790196 $426.80 0.7084 1.0276 1.0089 1.0000 $87.22 $400.67 1.4006 0.9592 $274.40AnthemSilverBluePreferred3000/20%/4500Plus 32753MO0790197 $426.80 0.7084 0.9968 1.0089 1.0000 $84.61 $388.66 1.4006 0.9592 $266.18AnthemSilverBluePreferred3000/20%/4500Plus 32753MO0790198 $426.80 0.7084 0.9685 1.0089 1.0000 $82.22 $377.63 1.4006 0.9592 $258.62AnthemSilverBluePreferred3000/20%/4500Plus 32753MO0790199 $426.80 0.7084 0.9578 1.0089 1.0000 $81.32 $373.49 1.4006 0.9592 $255.78AnthemSilverBluePreferred3000/20%/4500Plus 32753MO0790200 $426.80 0.7084 0.9217 1.0089 1.0000 $78.26 $359.42 1.4006 0.9592 $246.15AnthemSilverBluePreferred3000/20%/4500Plus 32753MO0790201 $426.80 0.7084 0.9070 1.0089 1.0000 $77.02 $353.67 1.4006 0.9592 $242.21AnthemSilverBluePreferred3000/20%/4500Plus 32753MO0790202 $426.80 0.7084 0.9505 1.0089 1.0000 $80.70 $370.65 1.4006 0.9592 $253.84AnthemSilverBluePreferred3000/20%/4500Plus 32753MO0790203 $426.80 0.7084 0.9567 1.0089 1.0000 $81.22 $373.05 1.4006 0.9592 $255.48AnthemSilverBluePreferredOptions2750/40%/6600 32753MO0790259 $426.80 0.7074 0.9089 1.0000 1.0000 $76.39 $350.79 1.4006 0.9592 $240.24

ExhibitPPlanAdjustedIndexRateandConsumerAdjustedPremiumRatesHealthy Alliance Life Insurance Company

Small Group





ProviderNetwork

Adjustment


AdditiontotheEHBS




{2}


Adjustto1Q15effdate


{4}


Small Group


AnthemSilverBlueAccess4000E/0%/5000w/HSA 32753MO0790278 $426.80 0.6779 1.0276 1.0000 1.0000 $82.71 $380.02 1.4006 0.9592 $260.26AnthemSilverBluePreferred4000E/0%/5000w/HSA 32753MO0790279 $426.80 0.6779 0.9968 1.0000 1.0000 $80.24 $368.62 1.4006 0.9592 $252.45AnthemSilverBluePreferred4000E/0%/5000w/HSA 32753MO0790280 $426.80 0.6779 0.9685 1.0000 1.0000 $77.97 $358.16 1.4006 0.9592 $245.29AnthemSilverBluePreferred4000E/0%/5000w/HSA 32753MO0790281 $426.80 0.6779 0.9578 1.0000 1.0000 $77.12 $354.23 1.4006 0.9592 $242.60AnthemSilverBluePreferred4000E/0%/5000w/HSA 32753MO0790282 $426.80 0.6779 0.9217 1.0000 1.0000 $74.22 $340.89 1.4006 0.9592 $233.46AnthemSilverBluePreferred4000E/0%/5000w/HSA 32753MO0790283 $426.80 0.6779 0.9070 1.0000 1.0000 $73.04 $335.44 1.4006 0.9592 $229.73AnthemSilverBluePreferred4000E/0%/5000w/HSA 32753MO0790284 $426.80 0.6779 0.9505 1.0000 1.0000 $76.53 $351.54 1.4006 0.9592 $240.75AnthemSilverBluePreferred4000E/0%/5000w/HSA 32753MO0790285 $426.80 0.6779 0.9567 1.0000 1.0000 $77.03 $353.82 1.4006 0.9592 $242.31AnthemSilverBlueAccessChoice4000E/0%/5000w/HSA 32753MO0790286 $426.80 0.6779 1.0276 1.0000 1.0000 $82.71 $380.02 1.4006 0.9592 $260.26AnthemSilverBlueAccessChoice2000/30%/6600 32753MO0790296 $426.80 0.7033 1.0276 1.0000 1.0000 $85.89 $394.36 1.4006 0.9592 $270.08AnthemSilverBluePreferred2000/30%/6600 32753MO0790297 $426.80 0.7033 0.9968 1.0000 1.0000 $83.32 $382.54 1.4006 0.9592 $261.99AnthemSilverBluePreferred2000/30%/6600 32753MO0790298 $426.80 0.7033 0.9685 1.0000 1.0000 $80.97 $371.69 1.4006 0.9592 $254.55AnthemSilverBluePreferred2000/30%/6600 32753MO0790299 $426.80 0.7033 0.9578 1.0000 1.0000 $80.08 $367.61 1.4006 0.9592 $251.76AnthemSilverBluePreferred2000/30%/6600 32753MO0790300 $426.80 0.7033 0.9217 1.0000 1.0000 $77.08 $353.76 1.4006 0.9592 $242.28AnthemSilverBluePreferred2000/30%/6600 32753MO0790301 $426.80 0.7033 0.9070 1.0000 1.0000 $75.85 $348.11 1.4006 0.9592 $238.41AnthemSilverBluePreferred2000/30%/6600 32753MO0790302 $426.80 0.7033 0.9505 1.0000 1.0000 $79.47 $364.82 1.4006 0.9592 $249.85AnthemSilverBluePreferred2000/30%/6600 32753MO0790303 $426.80 0.7033 0.9567 1.0000 1.0000 $79.99 $367.18 1.4006 0.9592 $251.46AnthemSilverBlueAccess2000/30%/6600 32753MO0790304 $426.80 0.7033 1.0276 1.0000 1.0000 $85.89 $394.36 1.4006 0.9592 $270.08AnthemSilverBluePreferred5000/20%/6600 32753MO0790305 $426.80 0.6651 0.9968 1.0000 1.0000 $78.71 $361.67 1.4006 0.9592 $247.69AnthemSilverBluePreferred5000/20%/6600 32753MO0790306 $426.80 0.6651 0.9685 1.0000 1.0000 $76.49 $351.41 1.4006 0.9592 $240.66AnthemSilverBluePreferred5000/20%/6600 32753MO0790307 $426.80 0.6651 0.9578 1.0000 1.0000 $75.65 $347.55 1.4006 0.9592 $238.02AnthemSilverBluePreferred5000/20%/6600 32753MO0790308 $426.80 0.6651 0.9217 1.0000 1.0000 $72.81 $334.46 1.4006 0.9592 $229.06AnthemSilverBluePreferred5000/20%/6600 32753MO0790309 $426.80 0.6651 0.9070 1.0000 1.0000 $71.65 $329.11 1.4006 0.9592 $225.39AnthemSilverBluePreferred5000/20%/6600 32753MO0790310 $426.80 0.6651 0.9505 1.0000 1.0000 $75.08 $344.91 1.4006 0.9592 $236.21AnthemSilverBluePreferred5000/20%/6600 32753MO0790311 $426.80 0.6651 0.9567 1.0000 1.0000 $75.56 $347.14 1.4006 0.9592 $237.74AnthemSilverBlueAccessChoice5000/20%/6600 32753MO0790312 $426.80 0.6651 1.0276 1.0000 1.0000 $81.14 $372.85 1.4006 0.9592 $255.35AnthemSilverBlueAccess5000/20%/6600 32753MO0790313 $426.80 0.6651 1.0276 1.0000 1.0000 $81.14 $372.85 1.4006 0.9592 $255.35AnthemSilverBlueAccess2600E/20%/5500w/HSA 32753MO0790314 $426.80 0.6734 1.0276 1.0000 1.0000 $82.21 $377.54 1.4006 0.9592 $258.56AnthemSilverBlueAccessChoice2600E/20%/5500w/HSA 32753MO0790315 $426.80 0.6734 1.0276 1.0000 1.0000 $82.21 $377.54 1.4006 0.9592 $258.56AnthemSilverBluePreferred2600E/20%/5500w/HSA 32753MO0790316 $426.80 0.6734 0.9968 1.0000 1.0000 $79.75 $366.22 1.4006 0.9592 $250.81AnthemSilverBluePreferred2600E/20%/5500w/HSA 32753MO0790317 $426.80 0.6734 0.9685 1.0000 1.0000 $77.50 $355.83 1.4006 0.9592 $243.69AnthemSilverBluePreferred2600E/20%/5500w/HSA 32753MO0790318 $426.80 0.6734 0.9578 1.0000 1.0000 $76.65 $351.93 1.4006 0.9592 $241.02AnthemSilverBluePreferred2600E/20%/5500w/HSA 32753MO0790319 $426.80 0.6734 0.9217 1.0000 1.0000 $73.77 $338.67 1.4006 0.9592 $231.94AnthemSilverBluePreferred2600E/20%/5500w/HSA 32753MO0790320 $426.80 0.6734 0.9070 1.0000 1.0000 $72.60 $333.26 1.4006 0.9592 $228.23AnthemSilverBluePreferred2600E/20%/5500w/HSA 32753MO0790321 $426.80 0.6734 0.9505 1.0000 1.0000 $76.07 $349.25 1.4006 0.9592 $239.18AnthemSilverBluePreferred2600E/20%/5500w/HSA 32753MO0790322 $426.80 0.6734 0.9567 1.0000 1.0000 $76.56 $351.51 1.4006 0.9592 $240.73AnthemGoldBlueAccessChoice1000/20%/2500Plus 32753MO0790186 $426.80 0.8530 1.0276 1.0074 1.0000 $104.93 $481.84 1.4006 0.9592 $329.99AnthemGoldBlueAccess1000/20%/2500Plus 32753MO0790187 $426.80 0.8530 1.0276 1.0074 1.0000 $104.93 $481.84 1.4006 0.9592 $329.99AnthemGoldBluePreferred1000/20%/2500Plus 32753MO0790188 $426.80 0.8530 0.9968 1.0074 1.0000 $101.80 $467.40 1.4006 0.9592 $320.10AnthemGoldBluePreferred1000/20%/2500Plus 32753MO0790189 $426.80 0.8530 0.9685 1.0074 1.0000 $98.92 $454.14 1.4006 0.9592 $311.02AnthemGoldBluePreferred1000/20%/2500Plus 32753MO0790190 $426.80 0.8530 0.9578 1.0074 1.0000 $97.84 $449.16 1.4006 0.9592 $307.61AnthemGoldBluePreferred1000/20%/2500Plus 32753MO0790191 $426.80 0.8530 0.9217 1.0074 1.0000 $94.17 $432.24 1.4006 0.9592 $296.02AnthemGoldBluePreferred1000/20%/2500Plus 32753MO0790192 $426.80 0.8530 0.9070 1.0074 1.0000 $92.67 $425.33 1.4006 0.9592 $291.29AnthemGoldBluePreferred1000/20%/2500Plus 32753MO0790193 $426.80 0.8530 0.9505 1.0074 1.0000 $97.10 $445.74 1.4006 0.9592 $305.27AnthemGoldBluePreferred1000/20%/2500Plus 32753MO0790194 $426.80 0.8530 0.9567 1.0074 1.0000 $97.72 $448.63 1.4006 0.9592 $307.24AnthemGoldBluePreferredOptions500/20%/4000 32753MO0790204 $426.80 0.9012 0.9089 1.0000 1.0000 $97.45 $447.03 1.4006 0.9592 $306.15AnthemGoldBlueAccessChoice1500/30%/5000 32753MO0790205 $426.80 0.8273 1.0276 1.0000 1.0000 $100.97 $463.80 1.4006 0.9592 $317.64AnthemGoldBluePreferred1500/30%/5000 32753MO0790206 $426.80 0.8273 0.9968 1.0000 1.0000 $97.96 $449.90 1.4006 0.9592 $308.12AnthemGoldBluePreferred1500/30%/5000 32753MO0790207 $426.80 0.8273 0.9685 1.0000 1.0000 $95.19 $437.13 1.4006 0.9592 $299.37




ProviderNetwork

Adjustment


AdditiontotheEHBS




{2}


Adjustto1Q15effdate


{4}


Small Group


AnthemGoldBluePreferred1500/30%/5000 32753MO0790208 $426.80 0.8273 0.9578 1.0000 1.0000 $94.15 $432.34 1.4006 0.9592 $296.09AnthemGoldBluePreferred1500/30%/5000 32753MO0790209 $426.80 0.8273 0.9217 1.0000 1.0000 $90.61 $416.05 1.4006 0.9592 $284.93AnthemGoldBluePreferred1500/30%/5000 32753MO0790210 $426.80 0.8273 0.9070 1.0000 1.0000 $89.17 $409.40 1.4006 0.9592 $280.38AnthemGoldBluePreferred1500/30%/5000 32753MO0790211 $426.80 0.8273 0.9505 1.0000 1.0000 $93.43 $429.05 1.4006 0.9592 $293.84AnthemGoldBluePreferred1500/30%/5000 32753MO0790212 $426.80 0.8273 0.9567 1.0000 1.0000 $94.04 $431.83 1.4006 0.9592 $295.74AnthemGoldBlueAccess1500/30%/5000 32753MO0790213 $426.80 0.8273 1.0276 1.0000 1.0000 $100.97 $463.80 1.4006 0.9592 $317.64AnthemGoldBlueAccessChoice5000/0%/5000 32753MO0790214 $426.80 0.7892 1.0276 1.0000 1.0000 $96.23 $442.37 1.4006 0.9592 $302.96AnthemGoldBlueAccess5000/0%/5000 32753MO0790215 $426.80 0.7892 1.0276 1.0000 1.0000 $96.23 $442.37 1.4006 0.9592 $302.96AnthemGoldBluePreferred5000/0%/5000 32753MO0790216 $426.80 0.7892 0.9968 1.0000 1.0000 $93.35 $429.11 1.4006 0.9592 $293.87AnthemGoldBluePreferred5000/0%/5000 32753MO0790217 $426.80 0.7892 0.9685 1.0000 1.0000 $90.70 $416.93 1.4006 0.9592 $285.53AnthemGoldBluePreferred5000/0%/5000 32753MO0790218 $426.80 0.7892 0.9578 1.0000 1.0000 $89.71 $412.35 1.4006 0.9592 $282.40AnthemGoldBluePreferred5000/0%/5000 32753MO0790219 $426.80 0.7892 0.9217 1.0000 1.0000 $86.34 $396.81 1.4006 0.9592 $271.76AnthemGoldBluePreferred5000/0%/5000 32753MO0790220 $426.80 0.7892 0.9070 1.0000 1.0000 $84.96 $390.47 1.4006 0.9592 $267.41AnthemGoldBluePreferred5000/0%/5000 32753MO0790221 $426.80 0.7892 0.9505 1.0000 1.0000 $89.03 $409.21 1.4006 0.9592 $280.25AnthemGoldBluePreferred5000/0%/5000 32753MO0790222 $426.80 0.7892 0.9567 1.0000 1.0000 $89.61 $411.86 1.4006 0.9592 $282.07AnthemGoldBluePreferred3500/0%/4000 32753MO0790223 $426.80 0.8378 0.9968 1.0000 1.0000 $99.11 $455.52 1.4006 0.9592 $311.96AnthemGoldBluePreferred3500/0%/4000 32753MO0790224 $426.80 0.8378 0.9685 1.0000 1.0000 $96.30 $442.59 1.4006 0.9592 $303.11AnthemGoldBluePreferred3500/0%/4000 32753MO0790225 $426.80 0.8378 0.9578 1.0000 1.0000 $95.25 $437.73 1.4006 0.9592 $299.78AnthemGoldBluePreferred3500/0%/4000 32753MO0790226 $426.80 0.8378 0.9217 1.0000 1.0000 $91.67 $421.24 1.4006 0.9592 $288.49AnthemGoldBluePreferred3500/0%/4000 32753MO0790227 $426.80 0.8378 0.9070 1.0000 1.0000 $90.21 $414.50 1.4006 0.9592 $283.88AnthemGoldBluePreferred3500/0%/4000 32753MO0790228 $426.80 0.8378 0.9505 1.0000 1.0000 $94.53 $434.40 1.4006 0.9592 $297.50AnthemGoldBluePreferred3500/0%/4000 32753MO0790229 $426.80 0.8378 0.9567 1.0000 1.0000 $95.14 $437.22 1.4006 0.9592 $299.43AnthemGoldBlueAccess3500/0%/4000 32753MO0790230 $426.80 0.8378 1.0276 1.0000 1.0000 $102.16 $469.60 1.4006 0.9592 $321.61AnthemGoldBlueAccessChoice3500/0%/4000 32753MO0790231 $426.80 0.8378 1.0276 1.0000 1.0000 $102.16 $469.60 1.4006 0.9592 $321.61AnthemGoldBlueAccessChoice1000/20%/3500 32753MO0790232 $426.80 0.8739 1.0276 1.0000 1.0000 $106.70 $490.00 1.4006 0.9592 $335.58AnthemGoldBlueAccess1000/20%/3500 32753MO0790233 $426.80 0.8739 1.0276 1.0000 1.0000 $106.70 $490.00 1.4006 0.9592 $335.58AnthemGoldBluePreferred1000/20%/3500 32753MO0790234 $426.80 0.8739 0.9968 1.0000 1.0000 $103.52 $475.31 1.4006 0.9592 $325.52AnthemGoldBluePreferred1000/20%/3500 32753MO0790235 $426.80 0.8739 0.9685 1.0000 1.0000 $100.59 $461.82 1.4006 0.9592 $316.28AnthemGoldBluePreferred1000/20%/3500 32753MO0790236 $426.80 0.8739 0.9578 1.0000 1.0000 $99.49 $456.76 1.4006 0.9592 $312.81AnthemGoldBluePreferred1000/20%/3500 32753MO0790237 $426.80 0.8739 0.9217 1.0000 1.0000 $95.75 $439.55 1.4006 0.9592 $301.03AnthemGoldBluePreferred1000/20%/3500 32753MO0790238 $426.80 0.8739 0.9070 1.0000 1.0000 $94.23 $432.53 1.4006 0.9592 $296.22AnthemGoldBluePreferred1000/20%/3500 32753MO0790239 $426.80 0.8739 0.9505 1.0000 1.0000 $98.73 $453.28 1.4006 0.9592 $310.43AnthemGoldBluePreferred1000/20%/3500 32753MO0790240 $426.80 0.8739 0.9567 1.0000 1.0000 $99.37 $456.22 1.4006 0.9592 $312.44AnthemGoldBlueAccess2500/20%/4500 32753MO0790241 $426.80 0.8147 1.0276 1.0000 1.0000 $99.38 $456.69 1.4006 0.9592 $312.77AnthemGoldBlueAccessChoice2500/20%/4500 32753MO0790242 $426.80 0.8147 1.0276 1.0000 1.0000 $99.38 $456.69 1.4006 0.9592 $312.77AnthemGoldBluePreferred2500/20%/4500 32753MO0790243 $426.80 0.8147 0.9968 1.0000 1.0000 $96.41 $443.00 1.4006 0.9592 $303.39AnthemGoldBluePreferred2500/20%/4500 32753MO0790244 $426.80 0.8147 0.9685 1.0000 1.0000 $93.68 $430.43 1.4006 0.9592 $294.78AnthemGoldBluePreferred2500/20%/4500 32753MO0790245 $426.80 0.8147 0.9578 1.0000 1.0000 $92.66 $425.71 1.4006 0.9592 $291.55AnthemGoldBluePreferred2500/20%/4500 32753MO0790246 $426.80 0.8147 0.9217 1.0000 1.0000 $89.18 $409.67 1.4006 0.9592 $280.56AnthemGoldBluePreferred2500/20%/4500 32753MO0790247 $426.80 0.8147 0.9070 1.0000 1.0000 $87.76 $403.12 1.4006 0.9592 $276.08AnthemGoldBluePreferred2500/20%/4500 32753MO0790248 $426.80 0.8147 0.9505 1.0000 1.0000 $91.95 $422.47 1.4006 0.9592 $289.33AnthemGoldBluePreferred2500/20%/4500 32753MO0790249 $426.80 0.8147 0.9567 1.0000 1.0000 $92.55 $425.21 1.4006 0.9592 $291.20AnthemGoldBlueAccessChoice1500/20%/4000 32753MO0790250 $426.80 0.8561 1.0276 1.0000 1.0000 $104.48 $479.94 1.4006 0.9592 $328.69AnthemGoldBlueAccess1500/20%/4000 32753MO0790251 $426.80 0.8561 1.0276 1.0000 1.0000 $104.48 $479.94 1.4006 0.9592 $328.69AnthemGoldBluePreferred1500/20%/4000 32753MO0790252 $426.80 0.8561 0.9968 1.0000 1.0000 $101.35 $465.55 1.4006 0.9592 $318.84AnthemGoldBluePreferred1500/20%/4000 32753MO0790253 $426.80 0.8561 0.9685 1.0000 1.0000 $98.49 $452.34 1.4006 0.9592 $309.79AnthemGoldBluePreferred1500/20%/4000 32753MO0790254 $426.80 0.8561 0.9578 1.0000 1.0000 $97.41 $447.38 1.4006 0.9592 $306.39AnthemGoldBluePreferred1500/20%/4000 32753MO0790255 $426.80 0.8561 0.9217 1.0000 1.0000 $93.75 $430.53 1.4006 0.9592 $294.85AnthemGoldBluePreferred1500/20%/4000 32753MO0790256 $426.80 0.8561 0.9070 1.0000 1.0000 $92.26 $423.64 1.4006 0.9592 $290.13




ProviderNetwork

Adjustment


AdditiontotheEHBS




{2}


Adjustto1Q15effdate


{4}


Small Group


AnthemGoldBluePreferred1500/20%/4000 32753MO0790257 $426.80 0.8561 0.9505 1.0000 1.0000 $96.67 $443.98 1.4006 0.9592 $304.06AnthemGoldBluePreferred1500/20%/4000 32753MO0790258 $426.80 0.8561 0.9567 1.0000 1.0000 $97.30 $446.85 1.4006 0.9592 $306.03AnthemGoldBluePreferred500/20%/3500 32753MO0790269 $426.80 0.8929 0.9968 1.0000 1.0000 $105.84 $485.70 1.4006 0.9592 $332.63AnthemGoldBluePreferred500/20%/3500 32753MO0790270 $426.80 0.8929 0.9685 1.0000 1.0000 $102.85 $471.92 1.4006 0.9592 $323.19AnthemGoldBluePreferred500/20%/3500 32753MO0790271 $426.80 0.8929 0.9578 1.0000 1.0000 $101.73 $466.74 1.4006 0.9592 $319.65AnthemGoldBluePreferred500/20%/3500 32753MO0790272 $426.80 0.8929 0.9217 1.0000 1.0000 $97.91 $449.16 1.4006 0.9592 $307.61AnthemGoldBluePreferred500/20%/3500 32753MO0790273 $426.80 0.8929 0.9070 1.0000 1.0000 $96.35 $441.98 1.4006 0.9592 $302.69AnthemGoldBluePreferred500/20%/3500 32753MO0790274 $426.80 0.8929 0.9505 1.0000 1.0000 $100.96 $463.19 1.4006 0.9592 $317.22AnthemGoldBluePreferred500/20%/3500 32753MO0790275 $426.80 0.8929 0.9567 1.0000 1.0000 $101.61 $466.19 1.4006 0.9592 $319.27AnthemGoldBlueAccessChoice500/20%/3500 32753MO0790276 $426.80 0.8929 1.0276 1.0000 1.0000 $109.10 $500.70 1.4006 0.9592 $342.91AnthemGoldBlueAccess500/20%/3500 32753MO0790277 $426.80 0.8929 1.0276 1.0000 1.0000 $109.10 $500.70 1.4006 0.9592 $342.91AnthemGoldBlueAccess2000/0%/4000 32753MO0790323 $426.80 0.8799 1.0276 1.0000 1.0000 $107.34 $493.24 1.4006 0.9592 $337.80AnthemGoldBlueAccessChoice2000/0%/4000 32753MO0790324 $426.80 0.8799 1.0276 1.0000 1.0000 $107.34 $493.24 1.4006 0.9592 $337.80AnthemGoldBluePreferred2000/0%/4000 32753MO0790325 $426.80 0.8799 0.9968 1.0000 1.0000 $104.14 $478.45 1.4006 0.9592 $327.67AnthemGoldBluePreferred2000/0%/4000 32753MO0790326 $426.80 0.8799 0.9685 1.0000 1.0000 $101.19 $464.87 1.4006 0.9592 $318.37AnthemGoldBluePreferred2000/0%/4000 32753MO0790327 $426.80 0.8799 0.9578 1.0000 1.0000 $100.08 $459.77 1.4006 0.9592 $314.88AnthemGoldBluePreferred2000/0%/4000 32753MO0790328 $426.80 0.8799 0.9217 1.0000 1.0000 $96.32 $442.45 1.4006 0.9592 $303.01AnthemGoldBluePreferred2000/0%/4000 32753MO0790329 $426.80 0.8799 0.9070 1.0000 1.0000 $94.79 $435.38 1.4006 0.9592 $298.17AnthemGoldBluePreferred2000/0%/4000 32753MO0790330 $426.80 0.8799 0.9505 1.0000 1.0000 $99.32 $456.27 1.4006 0.9592 $312.48AnthemGoldBluePreferred2000/0%/4000 32753MO0790331 $426.80 0.8799 0.9567 1.0000 1.0000 $99.96 $459.23 1.4006 0.9592 $314.51

Notes:

{2}ThePlanAdjustedIndexRateiscalculatedbymultiplyingtheMarketAdjustedIndexRatebytheAVandcostsharing,providernetwork,benefitsinadditiontotheEHBs,andcatastrophicplanadjustmentsandthenaddingtheadministrativecosts.ThePlanAdjustedIndexRatecanalsobedescribedasaPlanLevelRequiredPremium.{3}SeeExhibitHCalibration.

{4}TheConsumerAdjustedPremiumRateiscalculatedbydividingbyCalibrationFactorandthenmultiplyingbyAdjustto1Q15effectivedatefactor.

{1}Thisadjustmentassumesahealthierthanaveragepopulationwillselectthecatastrophicplan.Thecatastrophicadjustmentfactorisnormalizedto1.0acrossallplansforrevenueneutralityacrosstheentireblock.

Followingaretheproductsthatwillbeterminatedpriortotheeffectivedate:

HIOSProductID HIOSProductName32753MO076 LumenosBluePreferredSelect

PreACATerminatedProducts

Exhibit Q - Terminated Products


Effective January 1, 2015

ThisincludesproductsthathaveexperienceincludedintheURRTduringtheexperienceperiodandanyproductsthatwerenotineffectduringtheexperienceperiodbutweremadeavailablethereafter.

HIOSProductID HIOSProductNamePostACATerminatedPlans

2015 anthem small group 1-1-2015 rate filing.pdf

Documents