This document summarizes the key findings of the 2011 Indiana Healthcare Benefit Survey conducted by the actuarial firm Nyhart. The survey analyzed 215 employers and over 350 medical and 220 dental plans. It found that the average cost of single medical coverage increased 6.9% from 2010 to 2011, while the average employer subsidy for single coverage increased 2.5%. Common plan designs included a $50 dental deductible, $1,000 annual dental maximum, and 80% coinsurance for basic medical services. The presentation provides details on plan prevalence, cost trends, and design features to help healthcare actuaries advise clients.

1. How do your healthcare benefits compare? A look a the 2011 Indiana Healthcare Benefit Survey Presented by Randy Gomez, FSA www.nyhart.com Copyright 2011. All Rights Reserved.

2. Randy Gomez, FSA Senior Healthcare Actuary randy.gomez@nyhart.com| (317) 845-3595 Qualifications or certifications:Enrolled Actuary; Society of Actuaries Fellow; Member of the American Academy of Actuaries.

3. Why would an actuarial firm conduct this survey?

5. Prevalence of Health Benefit Offerings

6. Cost Trends

7. Design Features3 Agenda

8. How was the study conducted?

10. 215 employers and more than 350 medical and 220 dental plans

11. Results by region, entity size and industry

12. Focus was on medical and dental benefits

13. Cost trends on total cost, employee contributions and employer subsidy

14. Plus comparison of 2010 to 2011 for 218 out of 356 health plans

15. Design features surveyed were

16. Deductibles

17. Out of pocket limits

18. Coinsurance

19. Copayments

20. Rx design 5

23. Average cost of single coverage increased 6.9% and 8.1% for family coverage

26. Family coverage contributions increased $113.15 per month

30. Newer methods being used

31. Spousal carve-out for working spouses

32. Dependent audits

37. $50 deductible per person

38. $1,000 annual maximum benefit

39. $1,000 lifetime orthodontia limit

40. 100% coinsurance for preventive services

41. 80% for basic services

44. How will a healthcare actuary, use the results from this survey?

45. ANY QUESTIONS? This concludes our discussion

46. So Where is the Peak? Looking for more benefit presentations? Register for upcoming educational events on pensions, 401(k), healthcare and other actuarial and employee benefits topics at: www.nyhart.com/events/

48. Defined Benefit & Pension

49. Defined Contribution & 401(k)

50. Employee Stock Ownership Plan

51. Flexible Spending, HRA & HSA

52. Healthcare Actuarial ConsultingLearn more at www.nyhart.com

53. ACTUARY &EMPLOYEE BENEFITS 16 Actuaries Consulting In 48 States. Nyhart is one of the nation’s largest independent actuarial and employee benefit firms, consulting to and administering the plans for clients with more than $14 billion in assets. Our team of benefit advisers deliver personalized analysis and recommendations, translating complex calculations and issues into common language that enables corporations, associations, churches and governments to effectively manage their retirement and health care benefits.