10-13-2025 Agenda Packet Cc - Regular Meeting

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2026 Medical Marketing Results — Complete G-) Gallagher CURRENT / RENEWAL MARKET OPTION 1 MARKET OPTION 3 MARKET OPTION 4 Carrier Name Public Employee Insurance Program Medica Better Health Collective (BCBS) Minnesota Healthcare Consortium (MHC) ................................................................................................ Plan Name Advantage HSA Plan Medica Choice Passport MN 2000-25% Smart Plan 3: 3400-100-3400- Plan 506 MSI Medica Choice Passport HSA PrevRx-Aware ASO 2000-25 /o HSA+Rx Copays Plan Creditability Status Creditable - Carrier Confirmed Creditable - Carrier Confirmed Creditable - Carrier Confirmed Creditable - Carrier Confirmed PLAN DESIGN* Cost Level 2 In -Network Benefits Broad Tiered Network HMO Choice Passport Aware Choice Passport Deductible Type Embedded Aggregate Embedded Aggregate Calendar Year (CY) Deductible (Individual / $2,250 / $4,500 $2,000 / $4,000 $3,400 / $6,800 $2,000 / $4,000 Family) (Individual within a Family: $3,750) CY Out -of -Pocket Max (Individual / Family) $3,250 / $6,500 (Individual within a Family: $5,250) $4,500 / $9,000 $3,400 / $6,800 $3,250 / $6,500 Coinsurance (member pays after deductible) 0% 25% 0% 25% Preventive Care Covered 100% Covered 100% Covered 100% Covered 100% Primary Care Visit $55 Copay after deductible 25% after deductible 0% after deductible 25% after deductible Specialist Visit $55 Copay after deductible 25% after deductible 0% after deductible 25% after deductible Urgent Care $55 Copay after deductible 25% after deductible 0% after deductible 25% after deductible Emergency Room $300 Copay after deductible 25% after deductible 0% after deductible 25% after deductible Inpatient Hospital $650 Copay after deductible 25% after deductible 0% after deductible 25% after deductible Outpatient Surgery $400 Copay after deductible 25% after deductible 0% after deductible 25% after deductible Chiropractic (visit limits may apply) $55 Copay after deductible 25% after deductible 0% after deductible 25% after deductible Phys/Occ/Speech Therapy (visit limits may $55 Copay after deductible o 25% after deductible 0 0% after deductible 0 25% after deductible apply) Diagnostic Test (X-ray, blood work) 25% after deductible 25% after deductible 0% after deductible 25% after deductible Imaging (CT/PET scan, MRI) 25% after deductible 25% after deductible 0% after deductible 25% after deductible Prescription Drug Benefit ACA preventive drugs covered at no Preventive Drugs on BCBS Preventive Drug List Preventive Drug ACA preventive drugs covered at no cost charge Preferred generic: Covered 100%; ACA preventive drugs covered at no charge Preferred brand: 50 /o Retail 30 Days 31 Days 31 Days 31 Days Tier I / Tier III Tier III $30 / $50 / $75 after deductible 25% / 25% / 45% after deductible 0% after deductible generic/brand $18 / $30 / $55 after deductible Preferred: 25% to max $200 after Preferred: 25% to max $200 after Specialty N/A deductible; 0% after deductible speciality preferred deductible; Non Preferred: 45% after deductible Non -Preferred: 45% after deductible Mail Order 90 Days 93 Days 93 Days 93 Days Tier I / Tier II / Tier III $60 / $100 / $150 after deductible 25% / 25% / 45% after deductible 0% after deductible generic/brand $36 / $60 / $110 after deductible ff ©2025 ARTHUR J. GALLAGHER 2 co. 46 1 he Intormatlon Contained herein IS subject to the disclosures and disclaimers on Me Oisclaimers page of this presentation.