美国保险公司人力资源管理方案

1、 美国保险公司人力资源管理方案november 3, 2004 is it time for employers to move away from the traditional ways of providing employee benefits? rich bailey fsa, maaa, fca richmond, va agenda ? the environment ? the catch-22 ? paths away from traditional delivery: two camps ? opportunities along path 2 ? the answer

2、? additional topics mercer human resource consulting agenda ? the environment medical trends legislation marketplace changes population demographics employer outlook ? the catch-22 ? paths away from traditional delivery: two camps ? opportunities along path 2 ? the answer ? additional topics mercer

3、human resource consulting double-digit increase for second year in a row per employee costs in excess of $5,600 per year $6,000 $5,000 $4,000 $3,703 $3,000 -2.9% $3,594 +6.2% $3,817 +7.3% $4,097 +11.2% +8.1% $4,924 $4,430 +14.7% $5,646 $2,000 $1,000 $0 1996 1997 1998 1999 2000 2001 2002 source: 2002

4、 mercer/foster higgins national survey of employer-sponsored health plans mercer human resource consulting annual cpi trend u.s. health care costs rise, despite continuing economic recession 10% 9% 8% 7% 6% 5% 4% 3% 2% 1% 0% 1990 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 cpi-all ur

5、ban consumers cpi-medical care cpi-medical care cpi overall ratio mc/overall 1990 9.0% 5.4% 1.7 1991 8.7% 4.2% 2.1 1992 7.4% 3.0% 2.5 1993 1994 1995 1996 1997 5.9% 4.8% 4.5% 3.5% 2.8% 3.0% 2.6% 2.8% 3.0% 2.3% 2.0 1.8 1.6 1.2 1.2 source: u.s. bureau of labor statistics 1998 3.2% 1.6% 2.0 1999 3.5% 2.

6、2% 1.6 2000 3.9% 3.3% 1.2 2001 4.6% 2.8% 1.6 ? the gap between cpi-u and medical care component is increasing mercer human resource consulting 2002 4.7% 1.5% 3.1 comparison of overall growth cumulative medical care cpi 89% greater than overall cpi since 1967 standardized cost 1967 1969 1971 1973 197

7、5 1977 1979 1981 1983 1985 1987 1989 1991 1993 1995 1997 1999 2001 cpi vs. cpi medical care 400 300 200 100 0 year medical care cpi overall cpi data based on january 1 cpi values mercer human resource consulting employers cost increases out-pace other indicators largest increase since 1990 (all employers) 20.00% 18.00% 16.00% 18.6% 17.1% 16.7% 14.00% 12.00% 10.00% 8.00% 6.9% 6.00% 12.1% 10.1% 8.0% 14.7% 11.2% 8.1% 7.3% 6.1% employers cpi-medical cpi-all items 4.00% 2.00% 2.5% 2.1% 0.2% 0.00% 1987 1988 1989 1990 1991 19