MERCER为美国保险业协会做的绝密HR分析报告.pptx
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1、Rich Bailey FSA,MAAA,FCARichmond,VAIs it Time for Employers to Move Away From the Traditional Ways of Providing Employee Benefits?November 3,2004Mercer Human Resource Consultinghttp:/ (海量营销管理培训资料下载)2021/9/111AgendanThe EnvironmentnThe Catch-22nPaths Away from Traditional Delivery:Two CampsnOpportuni
2、ties Along Path 2nThe AnswernAdditional TopicsMercer Human Resource Consultinghttp:/ (海量营销管理培训资料下载)2021/9/112AgendanThe EnvironmentMedical TrendsLegislationMarketplace ChangesPopulation DemographicsEmployer OutlooknThe Catch-22nPaths Away from Traditional Delivery:Two CampsnOpportunities Along Path
3、2nThe AnswernAdditional TopicsMercer Human Resource Consultinghttp:/ (海量营销管理培训资料下载)2021/9/113Double-Digit Increase for Second Year in a RowPer employee costs in excess of$5,600 per year-2.9%+6.2%+7.3%+8.1%+11.2%+14.7%Source:2002 Mercer/Foster Higgins National Survey of Employer-sponsored Health Plan
4、sMercer Human Resource Consultinghttp:/ (海量营销管理培训资料下载)2021/9/114Annual CPI Trend U.S.health care costs rise,despite continuing economic recessionThe gap between CPI-U and medical care component is increasingMercer Human Resource Consultinghttp:/ (海量营销管理培训资料下载)2021/9/115Comparison of Overall Growth C
5、umulative medical care CPI 89%greater than overall CPI since 1967Data based on January 1 CPI valuesMercer Human Resource Consultinghttp:/ (海量营销管理培训资料下载)2021/9/116Employers Cost Increases Out-Pace Other Indicators Largest increase since 1990(all employers)Includes medical,dental and pharmacySource:20
6、02 Mercer/Foster Higgins National Survey of Employer-sponsored Health PlansResults for Employers with 500 or more lives6.9%18.6%16.7%17.1%12.1%10.1%8.0%-1.1%0.2%6.1%7.3%8.1%11.2%14.7%2.1%2.5%-2.00%0.00%2.00%4.00%6.00%8.00%10.00%12.00%14.00%16.00%18.00%20.00%1987 1988 1989 1990 1991 1992 1993 1994 19
7、95 1996 1997 1998 1999 2000 2001 2002EmployersCPI-MedicalCPI-All ItemsMercer Human Resource Consultinghttp:/ (海量营销管理培训资料下载)2021/9/117Aggregate Health Care Spending(1980 2010)Government portion of payments increasing;total projected to be over$2 trillion by 2009Source:CMSMercer Human Resource Consult
8、inghttp:/ (海量营销管理培训资料下载)2021/9/118Medical TrendsnPop QuiznHow many years will it take gross medical costs to double,assuming no specific employer interventions or national health care?10 or more98765 or fewerMercer Human Resource Consultinghttp:/ (海量营销管理培训资料下载)2021/9/119Medical TrendsResponses from
9、a group of 25 actuaries who had time to get their calculatorsMercer Human Resource Consultinghttp:/ (海量营销管理培训资料下载)2021/9/1110LegislationnMedicare Prescription DrugsIf made into law,will have major impact on retiree benefits and strategiesInitial confusion aside,should have positive impact on retiree
10、 plansExpect cost shifting to negatively impact active plansnEEOC Proposed changes in ADEA regulationsCline vs.General DynamicsnWells Fargo caseAppears to allow pre-funding(and tax-deductibility)of entire retiree liabilityoan ILP approachowont be exactly same number as FAS liabilityofunding in years
11、 2+would be limited to service costIRS weighing its optionsMercer Human Resource Consultinghttp:/ (海量营销管理培训资料下载)2021/9/1111Proposals to Increase Coverage Among Early RetireesFew government programs except for financially indigentnCOBRA extensions and/or Medicare buy-insnProhibitions on post-retireme
12、nt benefit reductionsnExpanded pre-funding for retiree medicalStill few viable products for pre-65 in individual market that overcome access and affordability issues.Mercer Human Resource Consultinghttp:/ (海量营销管理培训资料下载)2021/9/1112ADEA IssuesImpact on retiree medical coveragenAge Discrimination in Em
13、ployment Act(ADEA)prohibits discrimination against persons age 40 or older in terms and conditions of employmentnAge-based distinctions in employee benefit plans are permissible only if:A specific statutory exception applies,orEqual benefit/equal cost test is satisfiedoPlan must provide equal benefi
14、ts for older and younger workers,oroPlan must incur equal costs for older and younger workersnThird and Sixth Circuit Courts reach different conclusionsnEEOC reviewing ADEA regulationsMercer Human Resource Consultinghttp:/ (海量营销管理培训资料下载)2021/9/1113Marketplace ChangesConsolidation of Major Health Car
15、e Carriers Employer options are greatly reduced,carriers have more cloutUnited HealthcareHealthSourceProvidentCIGNAEquicorMetrahealthUS HealthcareAetnaTakeCareFHPPacifiCareHealthSourceCIGNAAetna US HealthcareNYLCarePrudential HealthCareFHPPacifiCareProvidentTransamericaEquitableHCAMetropolitanPartne
16、rsAetnaGSDHPLincoln National HPsTakeCarePacifiCareHealth Plan of AmericaWellPoint/Blue Cross of CaliforniaHancockMass MutualTravelersUnited HealthcareAetnaPacifiCare Health SystemsWellPoint/BlueCross of CaliforniaCIGNABCBS of GeorgiaMultiple BCBS PlansFewerMajor BCBSMercer Human Resource Consultingh
17、ttp:/ (海量营销管理培训资料下载)2021/9/1114Marketplace Changes PBM consolidation continues;three major national PBMs remainCPIAPICPNRxNetValue RxDiagnostekPerformHCSHPIDiagnostekValue RxRxNetColumbiaValue RxExpress ScriptsExpress ScriptsNPADPSExpress ScriptsPAIDMEDCOAdvanced ParadigmAdvanceMedcoIntegrated Presc
18、ription Solutions(IPS)PCSFoundationMerck-MedcoMerck-MedcoProadvantageSystemedParadigmMerck-MedcoMedcoAdvance PCSMajor InsurersMajorInsurersMPSPCSClinical Pharmacy AdvantageMercer Human Resource Consultinghttp:/ (海量营销管理培训资料下载)2021/9/1115Population TrendsAging baby boomers will increase the elderly an
19、d near elderly populationsData Source:U.S.Census Bureau State Population ProjectionsBaby Boomers Year of Birth 1946 to 1964Source:U.S.Census Bureau as of January 2000U.S.Population,2000Projected PopulationMillionsMercer Human Resource Consultinghttp:/ (海量营销管理培训资料下载)2021/9/1116Negative Tidal Wave of
20、Available Talent Pool of“prime workers”will be decreasing Source:DRI,World at Work Journal,fourth quarter 2001Percent Change in Population by Age Group,2000-10-20%-10%0%10%20%30%40%50%60%5-9 10-14 15-19 20-24 25-29 30-34 35-39 40-44 45-49 50-54 55-59 60-64 65-69 70-74 75-79The“Echo boom”ages 15-29Sh
21、rinking Pool of“Prime workers”ages 30-44Aging“Baby boomers”ages 45-69Mercer Human Resource Consultinghttp:/ (海量营销管理培训资料下载)2021/9/1117Impact of Demographics on Health Care Cost Cost increases with age0.000.501.001.502.002.503.0020-24 25-29 30-34 35-39 40-44 45-49 50-54 55-59 60-6465+AgeRelative Cost
22、by AgeMaleFemaleAverage employer cost=1.0Relative Costs By Age and GenderMercer Human Resource Consultinghttp:/ (海量营销管理培训资料下载)2021/9/1118Health Deterioration A cause and a consequence nWe eat too much-64.5%of adults overweightnPopulation with diabetes increased over 50%in last decade*Overweight is r
23、oughly 10 to 30 pounds over an ideal weight.Obesity is roughly 30 pounds over an ideal weightSource:National Health and Nutrition Examination Survey45.0%47.0%47.0%56.0%64.5%Mercer Human Resource Consultinghttp:/ (海量营销管理培训资料下载)2021/9/1119Issues Facing Businesses The perfect storm nLow ambient inflati
24、on;high medical inflationnAdvances in medical technology likely to lead to higher costs,difficult decisionsnLegislative uncertaintynConsolidating medical delivery and financing systemnAn aging workforcenIncreased longevitynSlowing economynDisappearing over-funded pension plansnFew,if any,obvious and
25、 easy alternatives to managing health care costsMercer Human Resource Consultinghttp:/ (海量营销管理培训资料下载)2021/9/1120Employer OutlooknEnvironmental outlook spurring employer actionEmployers acutely aware of trendsnHeightened interest in cost saving strategies(active and retiree)nGreater emphasis on longe
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