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HomeMy WebLinkAbout08/28/23 Special • BAKERSFIELD THE SOUND OF5awteAiinrJ'i eL'ey Staff: Committee Members: Scott Andrews, Assistant City Manager Councilmember, Ken Weir- Chair Councilmember, Bob Smith Councilmember, Patty Gray SPECIAL MEETING OF THE PERSONNEL COMMITTEE of the City Council- City of Bakersfield Monday, August 28,2023 12:00 p.m. City Hall North - Conference Room A 1600 Truxtun Avenue Bakersfield, CA 93301 AGENDA 1. ROLL CALL 2. PUBLIC STATEMENTS a. Agenda Item Public Statements b. Non-Agenda Item Public Statement 3. ADOPTION OF AUGUST 31, 2022, AGENDA SUMMARY REPORT 4. NEW BUSINESS a. Committee Discussion and Recommendations Regarding 2024 Health Care Plan renewals and Other Post-Employment Benefits (OPEB) - C. Tenter (Staff recommends committee approve 2024 Health Care Plan renewals and Other Post-Employment Benefits) b. Committee Discussion and Recommendations Regarding Classification and Compensation Study- C. Tenter (Staff recommends the committee provide direction) 5. COMMITTEE COMMENTS 6. ADJOURNMENT i\ • BAKERSFIELD THE SOUND OF5owteAii4t J'i eL'ey Staff: Committee Members: Scott Andrews, Assistant City Manager Councilmember, Ken Weir- Chair Anthony Valdez, Assistant to the City Manager Councilmember, Patty Gray Councilmember, Bruce Freeman SPECIAL MEETING OF THE PERSONNEL COMMITTEE of the City Council- City of Bakersfield Wednesday, August 31, 2022 12:00 p.m. City Hall North - Conference Room A 1600 Truxtun Avenue Bakersfield, CA 93301 AGENDA SUMMARY REPORT 1. ROLL CALL Committee members Present: Councilmember, Ken Weir, Chair Councilmember, Patty Gray Absent: Councilmember, Bruce Freeman City staff: Christian Clegg, City Manager Gary Hallen, Assistant City Manager Anthony Valdez, Assistant to the City Manager Mari Blowers, Human Resources Supervisor Christi Tenter, Human Resources Director Ashley Zambrano, Deputy City Attorney Mchelle, Cruz, Management Assistant Christina Gulley, Human Resources Analyst Debra Taliaferro, Human Resources Analyst Juan M. Heredia, Administrative Analyst Ill Crystal Rubio, Assistant to the City Manager SandySimmonds, Administrative Analyst Ill Mario Stout, Administrative Analyst Ill 2. PUBLIC STATEMENTS a. Agenda Item Public Statements None. b. Non-Agenda Item Public Statement None. 3. ADOPTION OF JUNE 14, 2022 AGENDA SUMMARY REPORT Motion by Committee Member Gray and seconded by Committee Member Weir. Motion was approved with Committee Member Freeman absent. 4. NEW BUSINESS a. Committee Discussion and Recommendations Regarding 2023 Health Care Plan renewals and Other Post-Employment Benefits (OPEB) - C. Tenter Human Resources Director Tenter provided staff comments and introduced Johnny Wu, Consulting Actuary - Segal Consulting who provided a PowerPoint presentation providing an overview of expected 2023 rates. Motion by Committee Member Gray to accept Staff Recommendation as presented with the modification to vision plan only. Motion was approved with Councilmember Freeman absent. 5. COMMITTEE COMMENTS 6. ADJOURNMENT Meeting was adjourned at 12:33 p.m. Safe Neighborhoods and Community Relations Committee Special Meeting August 31, 2022, Minutes Page 2 RECEIVE AND Pew ' E ON FIL,E r/r, r �/ nyf��7W City of Bakersfield tr rrr 1 i � IMBIBER, Calendar Year 2024 Renewal i Vill Personnel Committee Presented on: August 28,2028 Presenter: Johnny Wu V � C)2023 by"f he SegW Group,Inc. Agenda )'o, 2024 Plan Renewal Overview Appendix • Historical Medical Rate Action • Medical Enrollment by Plan Financial Ratings 1112,,02' 4' Plan Renewals Overview "S 'V Executive Summary The City„s overall cost for active employee benefits increased by 6.2% or $1 „188„200 for 2024„ when compared to the 2023 increase of 4.6% at the current contribution level of 80%. The 2023 premiums for retiree benefits increased by 19.2% or $1 „500,0010 without consideration of the subsidy amount paid by the City. eaal 4 2024 Annual Premiums City Contribution at 80% Active Plan Enrollment Current City 2024 City Annual Percentage I Contribution at 80% Contribution at 80'% Change Change i Blue Shield Fuil HMO 161 $2 00 7 $2,433,900 $241,200 11,0%Narrow HMO 77 $898,200 $997,000 $98,800 11.0% PPO 672 ... $9A40 S00 $9',609,300 -$31,200 -0,3% Subtotal 910_j $12 $13,040,200 $308,800 2.4%�7�1 1 400 alser ------- HMO 490 $4,554,000 $5,352,600 $798,600 17.5% HDHP Mid 23 $125,300 $147,300 $22,000 17.6% HDHlPLo 71 $334,200 $392,800 $680 0 17,5%... ..... --------.-....... .- --..-.--Subtotal 584 $5,013,500 $5,892,700 $879,200 17.5% United Concordia HMO- -.3-77 $146,500 $146§QQ. $0 0.0% PPO 1,156 . ...096 800 $1J 096 80'O $0 0,0% ............. Subtotal 533 $1 243300 $1 2.43 0. $0 0.0% E eMed .. HMO ........... 816 $4�6.,..00.0 $46,000 $o- 0.0% ..... 683 $67700 7,79L_ 0.0% Subtotal 1,499 1113,700 $ 13,700 $o 0.0% Total!Medical and Dental(1) 101,900 $20 289,900 $1.188 000 6.2% Voya I-Ne and AD&D,Opturn PAP,UnUrn LTD and P&A Group are not included above, The projections of annual premium in this report arc,estimates of future costs and are based an informetion available to The Segal Company at the time the projections were made. The Segal Company has not audited the information provided. Projections are not a guarantee of future results. Actual experience may differ due to,but not limited to,such variables as changes in the regulatory environment,local market pressure,health trend rates and claims volatility. The accuracy and reliability of health projections decrease as the projection period increases legal 5 2024 Annual Premiums retirees Retilree .......... Flan Current 2024 Percentage Enrollment Annual Premium Annual Premium Annual Change Change Blue Shield PPO 392 $7,290,200 $8,740,900 $1,450,700 19,9% Medicare Advantage 46 $204,700 $209,600 $4,900 2.4% Subtotal 438 $7,494,900 $8,950,500 $1,45,5.600 19.4% Kaiser HMO 0 $0 $0 $0 N/A HDHIP Low 0 $0 $0 N/A SeniorAdvantage 138 $306,100 $356,100 $50,000 16.3% Subtotal 138 $306,100 $356.,100 $50,000 16.3% United Concordia 58,300 $58'3 HMO 219 00 0 0,0% EyeMed $0 1 $0 1 $0 N/A Total Premiums ;9,300 $9,364,900 $1,505,600 19.2% The projections of annual premium in this report are estimates of future costs and are based on information available to The Segal Company at the time the projections Were Mader The Segal Company has not audited the information provided Projections are not a guarantee of future results. Actual experience may differ due to,but not limited to,such variables as changes in the regulatory environment,local market pressure,health trend rates and claims volatility. The accuracy and reliability of health projections decrease as the projection period increases -,A, Secial 6 ................ ........ .......... - 2024 Carrier Renewal Blue Shield of California Rate Action by Plan 0 HMO/Trio HMO: 11 .00% Increase 0 PPO (Actives): (0.32%) Decrease * PPO (Retirees): 19.90% Increase 0 Medicare HMO: 2.40% Increase Rate Guarantee Period - 12 Months Comments 0 Active HMO rate increase due to high trend and claim utilization factors 0 The PPO Retiree loss ratio increased from 98.09% last year to 124.65% this year. There is an active $1 .39M medical claim. Overall medical large claim intensity and frequency has increased significantly on this plan. There are 22 medical claims over $50k on this plan, compared to 14 claims over $50k at the time of last year's renewal. 0 After negotiations with Segal, concessions resulted in projected annual premium savings of ($512,000) V gal Y rSe Blue .field Active HMO Experience Summary Plan Loss Ratios Apr 2021-Mar 2022 Apr 2022-Mar 2023 % Difference HMO (Active) 8 % 98% 12% PPO (Active) 81% 73% (8%) PPO (Retiree) 98% 125% 26% • Loss Ratio reflects claims paid by insurer to premiums paid • Claims used in: the figures above include Medical / Pharmacy Claims, and Capitations • Figures above do not include any additional underwriting,assumptions(i.e. trend, demographic adjustments, etc,), Seaa I 2024 Carrier Renewal Kaiser Permanence ................... ......... Rate Action by Plan 0 HMO (Active): 17.54% Increase • Deductible HMO Mid (Active): 17.54% Increase • Deductible HMO Low (Active): 17.54% Increase • HMO (Non'-Medicare Retiree): 17.54% Increase • Ded HMO Low (Non-Medicare Retiree): 17.54% Increase • Senior Advantage (Medicare Retiree): 16.3% Increase .................. -—.-.---------........ ......... Rate, Guarantee Period 6 12 Months Comments 0 KP's 2024 renewals are averagiing double digit increases a IMP reported an operating loss of $1.3 billion in 2022. 0 KP's 20�23 budget and rating factors did not sufficiently account for the cost increases and inflation 0 Active and Non-Medicare Retiree rate increase due to higher trend used in projection 0 Medicare rate increase due to changes in future CMS reimbursements * After negotiations with Segal, concessions resulted in projected annual premium savings of ($98,000) A—Segal REM Kaiser HMO Experience Summary TOW 5 PWPM 500 546012 S470,04 400 3010 $286.03 S293.119 20D FeW I-Jan22 F622-jan2i3 IV M KP TotaV FMPM, Total I FUPM iUkk1SAtW= Feb2l-WA72 Change Fah22 tlaftzl tnpabent SSS.94 C30 3)% S138.99 Dutpabem 143,516 8.4% 155,64 Pharmacy, 19.26 621% 3&.36 Other 67.27 6712 Total S PMPM $286AM 2.TX $293-10 Group to Health Man Wic, 62.2 0 5% 62.5% Indudes Actives and,,or pre G5 gatirees oWy. 44 ir Segal io 2024 Carrier Renewal Vo a Rate Action by Plan Life and AD&D: Rate Pass Rate Guarantee Period 24 Months _ _ .. . w...... Comments Premiums have remained unchanged since 2318 -P .Sega Carriers Under Rate Guarantee Carriers Plan Type Rate Guarantee Period United Concordia DPP,G Rates are guaranteed through Dental DHMO December 31, 2024 EyeMed Vision Vision PPO Rates are guaranteed through Vision HMO December 31, 2027 'Dnuirn LTD Rates are guaranteed through December 31, 2024 Optum Financial EAP . Rates are guaranteed through Services December 31, 2024 PA Group Account Administration • Rates are guaranteed through December 31, 2024 Historical Medical Rates Active Plan Rate Action Active Plan Rate History 20.0% ..... .................. 17,5%17.5% 17.5% I4..3/A .............. 1 1.0%1 1.0% % 9.6%9,6%9 6% 1 0.0 .................. 6.5%6.5% 5%5.0% -- ........... 3,5%3.5% % .9 22 2 t8 % Emil 0�0% 0.0%0.0% --- -0.3% -5.0% -5.0%_ 1% -5.09/6.5.0% 2020 2021 2022 2023 2024 Average ----------- . . .................... M Kaiser HMO a Kaiser DHMO Mad oKaiser DHMO Low oBloe Shield PPO CIBlue Shield Fuil HMO ®Brae Shield Narrow HMO �r,-Segal 13 historical Medical Rates A Non Medicare Retiree Rate Action Retiree Plan Rate History 25.0% . .............................. 20.0% —-----r. .. .................--------- . .. .......... ........... 19.9% 17.51/47.50 15.0% - .. ....................... ............... ------- ......................... 10.9% 96% 10.0% .... .............................. --------- 5.4%5.4%5.4% 5.0% ........... 019% 0 0%0"0% 0.0%0�0% 0.0%0,0%0.0% 0.0% -111, M—r"r—-. -5.0% - ........................................ ....... - - ...................... 5,0% -10.0% ........ . ........ ............................ 2020 2021 2022 2023 2024 Average F� . ......... ............... i�ic�.er H -0........ ----E-3 Kaiser DH-mO Low ■mBlue PPO Seaal 14 ................ ........ .......................................................................... Historical Medical Dates Medicare retiree Rate Action Medicare Advantage Plan Rate History 20.0°la 16.3% 15.0a 9 7771 10.0°fo .3.%.., ro ..... ........._......--- 8.3/o 5.0% 4.4% 4.4°% 2.3% 2.4% 0.0% •1.3"Jro -5.0% _ �_ I: 14.0°/a2ro ............ . __....... ....... .... -- 11.5% 2020 2021 2022 2023 2024 Average ©tca ser Senior Advantage DBlue Shield Medicare Advantage ..Segal �s Append IN 2024 Monthly Medical Rate Summary Blue Shield of California Blue Shield-Access+HM (FuliNetwok) 2024 Percentage 2024 City 2024 2024 City n Employee Enrollment 2023 Rates 2024 Rates Change Contribution Employee Conitributio Contribution Contribution Change Change Active Single 45 $636,40 $706,40 11,00% $565,12 $141.28 $56.00 $14.00 Two-Party 29 $,1,279.05 $1,419.75 11.00% $1,135.80 $283.95 $112.56 $28.14 Family 87 $1,869.84 $2,075.52 11.00% $1,660.42 $415.10 $164.54 $41.14 COBRAICal-COBRA Single 1 $636A0 $706.40 11.00% Two-Party 0 $1,27'9.05 $1,419.75 11.00% No City Contribution Family 0 $1,869.84 $2,075.52 11.00% Blue Shield-Trio ACO HMIO(Narrow Network) 2024 2024 City 2024 Percentage 2024 City Employee Contribution Employee Enrollment 2023 Rates 2024 Rates Change Contribution Contribution Change Contribution .......... Change Active 77 Single 17 $518.93 $576.01 11.00% $460.81 $11520 $45.66 $11.42 Two-Party 14 $1,042.94 $1,157.66 11.00% $92613 $231,53 $91,78 $22.94 Family 1 46 $1,524.71 $1,692.43 11.00% $1,353.94 $338.49 $134.18 $33.54 COBRA/Cat-COBRA I I I Single 0 $518.'93 $576L1 11.00% Two-Party 2 $1,042.94 $1,157,66 11.00% No City Contribution Family 0 $1,524.71 $1,692.43 11.00% Segal 17 T 2024 Monthly Medical Rave Summary Blue Shield of California Blue Shield-PPO Percentage 2024 City 2024 Employee 2024 City 2024 Employee Enrollment 2023 Rates 2024 Rates Change Contribution Contribution Contribution Contribution ................................ ................. ............ Change _qLLnke Active Single 194 $664.10 $661.95 032% $52'9 56 $13239 ($132) ($0.43) Two-Party 120 $1,330.47 $1,326.16 -0.32% $1,060,93 $265.23 ($3.45) ($0.66) Family 358 $1,999.25 $1,992,78 "0.32% $1,594,22 $398.56 ($518) ($1.29) COBRA/Cal-COBRA Single 2 $664,10 $661,95 -0.32% Two-Party 4 $1,330.47 $1,326.16 -032% No City Retiree Contribution Family 5 $1,999.25 $1,992.78 -0.32% Single 270 $1,166.09 $1,398.14 19.90% Two-Party 115 $2332.04 $2,796.12 19.90% Family 7 $3,498.09 $4,194,21 19.90% Varies Blue Shield-Medicare Adv intage Percentage 2024 City 2024 Employee 2021 Cl 2024 Employee Enrollment 2023 Rate 2024 Rate Change Contribution Con Contrib.Z. Contribution ------------------ Change Change Over 65 Retiree Single 46 $37038 $379.68 2.40% Varies ............. Seaal 2024 Monthly Medical Rate Summary Kaiser Kaiser Permanente-HMO 2024 2024 City 2024 Percentage 2024 City Employee Enrollment 2023 Rates 2024 Rates Change Contribution Employee Contribution Contribution Change Contribution Chan e� Active Single 157 $477.25 $560.94 17.54% $448.75 $112,19 $66.95 $16.74 Two-Party 127 $954.49 $1,121.89 17.54% $897.51 $224.38 $133,92 $33,48 Family 2!06 $1,350.60 $1,517,47 17,54% $1,211,9,1 1117,41 $189"50 14737 COBRA Single 2 $477.25 $560.94 17.54% Two-Party 0 $954.49 $1,121.89 17.54% No City Contribution Family 1 $1,350.60 1 $1,587.47 17.54% Under 65 Retiree Single 0 $1,805.72 $2,122.44 17.54% Two-Party 0 $3,611.43 $4,244.87 17.54% Vanes Family 0 $5,110.18 $6,006.51 17.54% ................. Kaiser Permanente-Deductible HMO Middle Plan($20 Copay) 2024 2024 City 2024 Enrollment 2023 Rates 2024 Rates Percentage 2024 City Employee Contribution Employee Change Contribution Contribution Change Contribution ........................... ................ Change Active, Single 16 $423.32 $497.56 17.54% $404.82 $101.20 $66,16 $16.54 Two-Party 6 $846.64 $995.12 17.54% $809.63 $202.41 $132.32 $33.08 Family 1 $1,197.99 $1,408.09 17.54% $1,145.63 $286.41 $187.24 $46.81 COBRA Single 0 $423.32 $497,56 17.54% Two-Party 0 $846.64 $995,12 17n54% No City Contribution Family 0 $1,197.99 $1,408.09 17.54% ir T'Seg!al 19 dell llU0WNIIIEi 2024 Monthly Medical Rate Summary Kaiser Kaiser Permanente-Deductible HMO($30 Co pay) 2024 2024 City 2024 Enrollment 2023 Rates 2024 Rates Percentage 2024 City Employee Contribution Employee Change Contribution Contribution Change Contribution Chain a ...._a.............. ........................................... Active Single 46 $32148 $380,21 17,54% $304.17 $76.04 $45.38 $11.35 Two-Party 11 $646.95 $760A2 i 17.54% $608.34 $152.08 $90,78 $22.69 Family 14 $915,44 $1,075.99 17.54% $860.79 $215.20 $128.44 $32.11 COBRA Single 0 $323,48 $380.21 17.54% Two-Party 0 $646.95 $760.42 17.54% No City Contribution Family 0 $915.44 $1,075,99 17,54% Under 65 Retiree Single 0 $1,558.65 $1,832,04 17,54% Two-Party 0 $3,117,31 $3,664,09 17.54% Varies Family 0 $4,410.99 $5,184.68 17.54% -Kaiser Permanente-Senior Advantage 2024 2024 City 2024 Enrollment 2023 Rate 1 2024 Rate Percentage 2024 City Employee Contribution Employee Change Contribution Contribution Change Contribution over 65 Retiree Single 138 $184.84 $215.05 16.34% Varies Seaal 20 2024 Monthly Dental Rate Summary United Concordia (UCCI) United Concordia(UCCI)-Dental HMO 2024 City 2024 Employee Enrollment 2023 Rates 2024 Rates n) Percentage 2024 City 2024 Employee Contribution Contribution Change. .. Contribution Contribution Change g�han Active Single 145 $20,75 $20.75 0,00% $16.60 $4.15 $0.00 $0,00 Two-Party 76 S38.05 $38.05 0,00% $30,44 $7.61 $0.00 $0.00 Family 156 $6 0 r 0 0 $60.0() 0.00% [ �.00 $12.00 $0.00 $0.00 COBRA i Single 1 $2075 $2075 0.00% Two-Party 1 $38 05 $38,05 0.00% Family 1 $60,00 $60M O.GC% No City Contribution Retiree, Single 117 $15.85 $15.85 0.00% Two-Party 98 $28.85 $28.85 0.00% No City Contribution Family 4 $44.60 $44,60 0.00% United Concordia(UCCI)-Dental PPO Or Percentage 2024 City 2024 Employee 2024 City 2024 Employee Enrollment 2023 Rates 202,4 Rates Change Contribution Contribution Contribution Contribution ............... ...................... Change _C;Maqsle._ Active Single 321 $39.63 $39.63 0.00% $31.70 $7.93 $0.00 $Oko Two-Party 219 $81 A9 $81.49 0.00% $65-19 $16,30 $0.00 $0.00 Family 616 $135.84 $135.84 0.00% $108.67 $27.17 $0.00 $0.00 COBRA Single 6 $39.63 $39.63 0.00% Two-Party 10 $81.49 $81.49 0.00% Family 2 $135,84 $135,84 0.00% No City Contribution UCCI is in the finat year of a two-year rate guarantee between January 1,2023 through December 31,2024. Segal 21 2024 Monthly Vision Rate Summary EyeMed - Vision HMO F=E=y.M.7 Vision HMO 2024 City 2024 Employee Enrollment 2023 Rates 2024 Rates n' Percentage 2024 City 2024 Employee Contribution Contribution Change Contribution Contribution ----------- - ............ Change _.qMq0_ Active Single 285 $3.13 $3,13 0.00% $2.50 $0.63 $0.00 WOO Two-Party 156 $5.63 $6.63 0.00% $4.50 $1.13 $0.00 $0,00 Family 375 $8.07 $8.07 0.0'0% $6.46 $1.61 $0.00 $0,00 COBRA &ngle, 2 $113 $3.13 0.00% ............ Two-Party 1 $5.63 $5,63 0.00% Family 4 $8.07 $8,07 0.00% No CIy Cont6bution Retiree Single 0 $3.13 $3.13 0,00% Two-Party 0 $5.63 $5.63 0.00% Varies Family 0 $8,07 $8.07 0.00% EyeMed-Vision PPO 2024 City 2024 Employee Enrollment 2023 Rates 2024 Rates Percentage 2024 City 2024 Employee Contribution Contribution Change Contribution Contribution .................. S! Change Active Ctanqn..__............ &ngle 211 $5.15 $515 0.00% $4.12 $1.03 $000 $0.00 Two-Party 116 $10.30 $10.30 0.00% $8.24 $2.06 $0,00 $0.00 Family 356 $13.39 $13,39 0.00% $1031 $2,68 $0.00 WOO COBRA Single 4 55,15 $5.15 0.00% Two-Party 6 $10.30 $10.30 0,00% Family 1 $13.39 $13.39 0.00% Na City Contribution .........................- I EyelVed is in the second year of a five-year rate guarantee between January 1,2023 through December 31,2027. "" Sea:M 22 "Y"r 2024 Monthly Life and AD&D Rate Summary Voya Voya-Life and AD&D insurance(Rate per$1,,000) 2023 Rates 2024 Rates Percent Change City Costs BasicLife $0.130 $0.130 Basic AD&D $0.020 T _$0.020 Voluntary Ernplqye�e Casts Supplemental Life (Employee and Spouse) <30 $0.070 $0.070 0.00% 30-34 $0.100 $0.100 0.00% 35-39 $0.120 $0.120 0.00% 40-44 $0.180 $0.180 0,00% 45-49 $0.270 $0.270 000% 50-54 $0.440 $0.440 0.00% 55-59 $0.760 $0.760 OM% 60-64 $1.170 $1.170 000% 65-69 $2.260 $2.260 0,00% 70-74 $3.660 $1660 000% 75+ $3.660 $3.660 OM% Supplemental Dependent Life $0.200 $0.200 0.00% Supplemental AD&D Subscriber Cnly $0.050 $0.050 000% Family $0.080 $0.080 000% ................. .............. Note: Voya proposed a two-year rate guarantee between January 1,2024 through December 31,2025. Segal 23 2024 EAT', Flexible Benefits, and LTD Summary Opium, P&A Group, and Unum Optum-E,AP 2023 Rate 2024 Rate Percentage Change Active $1.7$ $1 A 0.00% Pi-A Group-Section 125 Flexible Benefits 2023 Rate 2024 Rate Percen!Laqe�q!ja_9,91__ .............. FSA andlor DCAP $3.00 $3.0a 0.00% Unurn Long Term Disability Rate p r$100) 2023 Rate 2024 RatePercentage Ch;lqg2e_, Long Term Disability $0.60 $0.60 0.00% Rates are guaranteed through December 31,2024. -X Secial 24 Historical Medical Rates Active flan Rate for Subscriber-Only Coverage Active Rate History $800 $'700 __.... . ...,, $600 __._.._ _ _ . m $300 -.._w_... _. .::w ._.._..w_._. _.__W...._ $20a ...._ _ ....._.�_... - _._ �.........�.... .....�,.. M $100 __ _ __.___._.._.__.w_w.__. _.___ _... . _.__.._..W ... ._........,._.._..... a. ....... ....... ..m,.,... _ $a 2020 °_.__m. ___ __._.2a21_ �'2022__.__.... 2023 2024 K aiser HMO m $482.33 .$458.21_mm $435.30 $477.25 $560.94 -^ -Kaiser DHMO Mid $427.82 $406.43 $386,11 $423.32 $497. 6 Kaiser DHMC1 Leaw $326.91 $3191.57 $295.a4 $3'23.48 $38a.21 ....... .. 61ue Shield 4'PC7 $661.57 $627.83 $641.64 $664.10 $661.9 Bi-ue_Shield qV6_ $568.a1..�mn„ ..... $587,89 $626,10 �$636.40 � $706.40mm ns�Slue Shield Narrow HMO �_. $463.16 _ $479.37 _ $51a.53' $515.93 $576.01 40. gal 2.5 Historical Medical fixates Non-Medicare Advantage Retiree Plan Rate for Subscriber-Only Coverage Retiree Rate History $2,500 $2,000 w__ ._ . ._ _.... w_ __ __m...,,.m....... _.. I $1,500 _._....... W,.. . ......m...... � $1,000 _..._ ..._.w___ _,. ...... $500 $a �..... __ 2020 2021 2022 2023 2024 Kaiser DHMK3 Lo _6 _ $1 647 01 $1 647 01 $1 647 a1 $1 8a5 72 $2 122.44 w $142165 $1421,65 $1,421.65 IT $1,558,65 $1,832.04 wiser a4�,e snneid a �a $1 1a6 36 $1,051.48 $1;a51.dB___. 1s6 a9 $1,398.14 Seaal 26 Historical Medical Rates Medicare Plan Rate for Subscriber-Only Coverage Medicare Advantage Rate Histofy $40000 .•................... .................................. $3WOO ....... $300,00 $250,00 ............. ................ AP $200-00 ............... ............. ......... ............................. $15000 ..... $10000 ................... ------............................. ........ ............ 202a 2024 ---------- .............. ............................. K 1!Er,��E a s e r S_e n��o�rA.dq a n t a g e $240.25 $21820 $208.8,4 $184.84 $2115.05 Od MC Advantag2j 3 35-1 1 $3 7 0 78-410-BlUe Shi $31413 $379A8 o.Segal 27 Medical Enrollment b,%T Plan y Active Plans 2022 Enrollment - Actives and COBRA Blue Shueld Full Kaiser DHMO HMO, 163, Low, 59,4,0% 10,4% Kaiser DHMO Mid, 12,00V9 Blue ShIeW Narrow HMO, Kaiser HMO, e Shield PPO, 670,45J% 2023 Enrollment -Actives and COBRA l3k)(11 Shield Full Kaiser DHMO HMO, 162, Low, 71 AJ%-�,-� 101% Kaiser DHMO 144 Blue Shield Narrow HMO, 79 ji Kai[ser HMO, 493 A-Seaal 28 ............... Medical Enrollment by Man Non-Medicare Advantage Retiree Plans 2022 Enrollment - retirees Kaiser DHMO Kaiser HMO, Low, - 0,0% 0.t7% Wue Shweld PRO, 413, 1 tl t% 2023 Enrollment - Retirees Keyser CHM KaiEser HMS?, .: Low,_ .0.0% Blue Shield PPa,' 392,100.0% Segal 29 Medical Enrollment by Plan Medicare R(-tree Plan 2022 Enrollment - Medicare Advantage Blue Shield Medicare dwentage„ 46;24.6% V /J 2023 Enrollment - IlMedicare Advantage Kammer enuarw Advantar�e, 141 7541� (Blue Shield Medicare Advantage, 46, Kaiser PfiNt3r Advsanta ea '13 l -A Seeal 3o Financial Ratings 2024 Renewals Companiv Rating Agency Ratin Blue Shield of California Life & Health Insurance Company A.M, Best A u P&A Group Not Rated Not Rated Kaiser Foundation Health Plan Inc. Standard& Poor's AA- EyeMed Insurance Company A.M. Best A United Hea Ithca re Insurance Company(Parent of Optuni A.M, Best A+ United Concordia Dental Plans of California, Inc, A.M. Best A Unum Life insurance Company of America A.M.. Best A Voya Retirement Insurance and Annuity Company Standard & Poor's A+ Segal 31 Financial 'Fatings Rating Descriptions Segal believes it is important to consider the financtal strength of Investment Grade or secure: insurance companies and managed care organizations,which are AAA(A +) Cornpairics rated AAA have the highest raring candidates for initial selection or renewal as insurers or service assigned. Capacity to pay interest and repay principal providers to employee benefit plans. Therefore,we are providing is extremely strong the current claims paying ability rating that was available to us on the date this document was prepared for the insurance company or AA iA+) Companies rated,AA have a very strong capacity to pay managed care organization under consideration. interest anal repay prni6pal ijid differ fiom Ow highest rated ismwirs only to a mnau degree When available,we select Standard&Poor's because of its excellent overall reputation as a rating service. In addition,it evaluates more insurance companies than any of the other A(A,A-) Companies rated A have as sirong carraciT tr+pay comparable rating services. Severall other rating services(e.g., mierest ancl repay" fl.,ptuicipal,although yy arc Duff&Phelps, Moody's,and A,M.Best)also provide claims paying vOrneuhat inure susceptible io advei se,changes in ability evaluations of insurance companies and managed care ccow)mrc conditions Mtn ijup)Se In hjp'OrCTr rated organizations,which we provide when a Standard&Poor's rating cafe goli is not available. You may wish to consult these other services BBB(8 H,B 4) cOmparfies rated BBB are regarded as having an before making a decision regarding the initial selection or renewal aticquate capacity lo pay interest and topay principail, of an insurance company or managed care organization. however,adverse econoinic conditions or changing cuctanstarices are inure Udy to krad ro a weakened Insurance company and managed care organlzation rating upacAy to pity inicrcsi and mpay pimcipal categories explanations are attached. For exampie,Standard& Poor's ratings range from`Vulnerable"to"Secure". In particuWr, Below Investment Grade nrr V"Inerable: they regard",vu line ra ble"companies(i,e,,ratings of BB4 and lower) to be at relatively serious risk in terms of meeting both claims and Campwiics rated 1313,it,(C'Cand(Care regarded,on creditor obligations. Insurance companies in this category should II CFf b balance,as speculaike a&%ih respect 10 their credit be researched carefully before being selected, Worillinegs. While such Companies tray have some i cc(C,c..) protective charatetUrrsjiCs,unceriain ties acid major risk To the right is a chart,which expiains the Standard&Poor's rating exposure or adverse conditions outweigh thern categories. (Duff&Phelps uses the same rating system as Standard&Poor's;A.M.Best's rating system is shown in p arentheses), R;NR I 9rre raiing R is icsciivvd i'm who"have experienced a REGULA FORY A(:'rl()N regarding, �okcncv." 1he rating Nit indici es that the insurer's financi,,fl soivcncy is not mted, I Seloal 32 ,jr