Carrier trend report: Health insurance and HMO industry - January 2012

The Actuarial Practice of Oliver Wyman developed the Carrier Trend Survey in order to conduct market research in the health insurance and HMO industry.

This report summarizes the January 2012 trends from the survey that Oliver Wyman sent to healthcare carriers in November 2011. We intend this report to be useful to carriers, brokers, state insurance agencies and other interested parties who are affected by the trends in the cost of healthcare. This report presents pricing trends used by the participating companies in the development of their rates for January 2012.

These trends are used to develop premiums for approximately 119.3 million group members as reported by the participating companies. This edition of the report reflects pricing trends for about 5.6 million members with individual health policies, about 5.9 million Medicare members and 1.5 million Medicaid members.