group insurance for active employees 2015 update€¦ · group insurance for active employees 2015...

Lic. No. 0451271, Keenan & Associates

Group Insurance

For Active Employees

2015 Update

Innovative Solutions. Enduring Principles.


Purpose

2

• Update In Enrollments Since 2014

• Renewals

• Wellness Update

• Social Security Number Updating

• Future Items

Lic. No. 0451271, Keenan & Associates 3

Plan Coverage No Cashback Cashback TIRB SUM(count) %

Sutter Health Plus HDHP EE 9 11 51 71

EE+D 6 9 222 237

Subtotal 15 20 273 308 2.91%

Sutter Health Plus HMO EE 387 147 77 611

EE+D 28 43 318 389

Subtotal 415 190 395 1000 9.43%

WHA HDHP EE 7 8 39 54

EE+D 10 8 131 149

Subtotal 17 16 170 203 1.92%

WHA HMO EE 359 191 80 630

EE+D 32 31 234 297

Subtotal 391 222 314 927 8.75%

Kaiser HDHP EE 15 34 285 334

EE+D 30 48 941 1019

Subtotal 45 82 1226 1353 12.76%

Kaiser HMO EE 932 656 537 2125

EE+D 430 312 2287 3029

Subtotal 1362 968 2824 5154 48.62%

Waiver EE 369 948 338 1655

Subtotal 369 948 338 1655 15.61%

Summary Total 2614 2446 5540 10600 100%

Enrollment Detail August 2014


Plan Coverage No Cashback Cashback TIRB SUM(count) %

Sutter Health Plus HDHP EE 9 9 123 141

EE+D 7 7 268 282

Subtotal 16 16 391 423 3.96%

Sutter Health Plus HMO EE 349 128 107 584

EE+D 26 39 362 427

Subtotal 375 167 469 1011 9.47%

WHA HDHP EE 6 5 60 71

EE+D 11 7 178 196

Subtotal 17 12 238 267 2.50%

WHA HMO EE 340 163 88 591

EE+D 26 28 230 284

Subtotal 366 191 318 875 8.2%

Kaiser HDHP EE 15 32 412 459

EE+D 22 44 1101 1167

Subtotal 37 76 1513 1626 15.23%

Kaiser HMO EE 858 584 560 2002

EE+D 365 254 2263 2882

Subtotal 1223 838 2823 4884 45.76%

Waiver EE 369 948 338 1655

Subtotal 353 833 402 1588 14.88%

Summary Total 2614 2446 5540 10600 100%

Enrollment Detail June 2015


Enrollment Highlights 2014 vs 2015

Med Plan 2014 2015 Change

Kaiser HDHP HMO 12.76% 15.23% 2.47%

Kaiser HMO 48.62% 45.76% -2.86%

Sutter HDHP 2.91% 3.96% 1.05%

Sutter HMO 9.44% 9.47% 0.03%

Waiver 15.61% 14.88% -0.73%

WHA HDHP 1.91% 2.50% 0.59%

WHA HMO 8.75% 8.20% -0.55%

Tier B 52.26% 57.65% 5.39%

HDHP's When Enrolled 20.83% 25.49% 4.66%


Premiums for 2015

Plan Single/ Family 2015 Rates 2016 Rates $Change % Change

Kaiser $15 HMO S $626.38 $659.34 $32.96 5.26%

F $1,601.82 $1,686.12 $84.30 5.26%

WHA $15 HMO S $649.74 $680.44 $30.70 4.72%

F $1,663.38 $1,742.02 $78.64 4.73%

Sutter $15 HMO S $631.22 $654.60 $23.38 3.70%

F $1,614.48 $1,674.26 $59.78 3.70%

Kaiser HD HMO S $493.74 $519.80 $26.06 5.28%

F $1,262.66 $1,329.32 $66.66 5.28%

WHA HD HMO S $496.30 $520.00 $23.70 4.78%

F $1,270.60 $1,331.20 $60.60 4.77%

Sutter HD HMO S $491.64 $510.08 $18.44 3.75%

F $1,257.26 $1,304.42 $47.16 3.75%

NOTE: Final premiums to be approved by Board of Supervisors

Tier B Contribution for Coverage Now Tied To Sutter $15 HMO

2015 Tier B Single = $501.10 2016 Tier B Single = $523.68

2015 Tier B Family = $1,281.46 2016 Tier B Family = $1,339.41 All HDHP Plan Premiums Still Remain Under Tier B Subsidy


Additional Items:

1. Dental, Life and EAP premiums and coverage remain

unchanged

2. Small reduction in Vision premiums

1. Single down from $5.14/mth to $5.04/mth

2. Family down from $13.18/ mth to $12.92 / mth

3. Second enrollment opportunity for Critical

Incident/Cancer plan with no EOI under Guaranteed

Issue limits


Additional Items:

4. HSA Limits for 2016:

For 2015 For 2016 Change

Individual: $3,350 $3,350 No Change

Family: $6,650 $6,750 +$100

HSA Age 55 catch-up contributions* $1,000 No Change


Projections:

Temporary slowing in local premium increases for COS likely to end

CalPERS Renewals Sacramento, El Dorado, Placer and Yolo

2015 2016

Single 2 Party Family Single 2 Party Family Change

Anthem HMO Select $ 811.14 $ 1,622.28 $ 2,108.96 $ 902.07 $ 1,804.14 $ 2,345.38 11.21%

Anthem HMO Traditional $ 940.16 $ 1,880.32 $ 2,444.42 $ 1,112.54 $ 2,225.08 $ 2,892.60 18.34%

Blue Shield Access + $ 809.22 $ 1,618.44 $ 2,103.97 $ 885.33 $ 1,770.66 $ 2,301.86 9.41%

Blue Shield NetValue $ 758.45 $ 1,516.90 $ 1,971.97 $ 900.73 $ 1,801.46 $ 2,341.90 18.76%

Health Net SmartCare $ 747.55 $ 1,495.10 $ 1,943.63

Kaiser $ 660.96 $ 1,321.92 $ 1,718.50 $ 695.11 $ 1,390.22 $ 1,807.29 5.17%

UnitedHealthcare $ 623.45 $ 1,246.90 $ 1,620.97 $ 686.36 $ 1,372.72 $ 1,784.54 10.09%

Bold = Already Above Cadillac Tax Threshold

Anthem HMO Traditional 2018 Cadillac Tax Est: $3279/yr Single, $8448/yr Family


Wellness Update

1. Health Trails Challenge: a. ~1700 signed up (15.9%)

b. ~1450 tracked their exercise or diet (13.6%)

c. 79% Female, 21% Male

d. Survey results:

Quality of Life Overall Health

At

Registration

At

Evaluation

Change

Count Change %

Excellent 45 65 20 44%

Very Good 176 204 28 16%

Good 341 369 28 8%

Fair 164 102 -62 -38%

Poor 23 7 -16 -70%

Total Respondants 749 747 -2


Wellness Update

2. HealthTrails Remains Open All Year

3. Repeat Challenge With Fall Campaign:

a. Shorter duration, overlaps with Health Fairs and

Open Enrollment

4. Develop business plan for long term budgeting

– cannot enhance without adequate funding


Next Issue – Social Security Numbers

1. ACA requires us to report coverage information to IRS

next year a. Includes those who have coverage and those who waive

b. Includes dependents (medical coverage only for now)

c. Individuals and carriers also have to report coverage

d. SSN is needed for IRS data match to track and levy

individual mandate payments and employer penalty

payments

e. Multiple outreach efforts – COS and carriers

f. Updates can be made in MySacCounty and BenefitBridge,

paper as a last resort

g. SSN’s will be requested to be provided within 60 days of

birth/adoptions.


Future Items

1. Health Savings Accounts and High Deductible Health

Plans: a. Still valuable in the near term

b. Gives individuals additional flexible offset funds into retirement

c. Still impacted long term by Cadillac tax if kept inside payroll

2. Impact of the ACA’s Excise “Cadillac” Tax a. Comes online for Plan Year 2018

b. Tax is 40% of every dollar over $10,200 ($850/mth) for single

coverage and $27,500 ($2,292/mth) for family coverage.

c. Not likely for COS plans in 2018, but shortly thereafter- impact

on other entities will set the tone


Future Items

3. Full Scale Wellness Design Justification a. Carriers have to begin analysis of COS “health priorities” and

their wellness resources to provide maximum impact

b. Includes review of best wellness practices elsewhere (not just

Public Sector)

c. Requires health data and multiple costing scenarios over diverse

wellness options to begin discussions

4. Develop Discussion Framework a. Long term discussions required to build wellness into our

employment environment

b. Structure for discussions is needed to address multiple topics in a

workable manner


Group Insurance

For Active Employees

2015 Update

Innovative Solutions. Enduring Principles.

group insurance for active employees 2015 update€¦ · group insurance for active employees 2015...

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