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2026 Medical Marketing Results — Complete <br />46-) Gallagher <br />CURRENT / RENEWAL <br />MARKET OPTION 1 <br />MARKET OPTION 3 <br />MARKET OPTION 4 <br />Carrier Name <br />Public Employee Insurance Program <br />Medica <br />Better Health Collective <br />Minnesota Healthcare Consortium <br />............................................................................................ <br />(BCBS) <br />(MHC) <br />Advantage HSA Plan <br />Medica Choice Passport MN 2000-25% HSA <br />Smart Plan 3: 3400-100-3400- <br />Plan 506 MSI Medica Choice Passport <br />Plan Name <br />.......................................................................................................................................................................................................................................................................................................................................................................................................................................................... <br />PrevRx-Aware <br />ASO 2000-25 /o HSA+Rx Copays <br />Plan Creditability Status <br />Creditable - Carrier Confirmed <br />Creditable - Carrier Confirmed <br />Creditable - Carrier Confirmed <br />Creditable - Carrier Confirmed <br />PLAN DESIGN* <br />Cost Level 2 <br />Out -of -Network Benefits <br />Deductible Type <br />N/A <br />Embedded <br />Embedded <br />Aggregate <br />CY Deductible (Individual / Family) <br />N/A <br />$4,000 / $8,000 <br />$6,800 / $13,600 <br />$10,000 / $20,000 <br />Out -of -Pocket Max Type <br />N/A <br />Embedded <br />Embedded <br />Aggregate <br />CY Out -of -Pocket Max (Individual / Family) <br />N/A <br />$6,000 / $12,000 <br />$10,200 / $20,400 <br />$15,000 / $29,000 <br />Coinsurance member pays after deductible <br />N/A <br />50% <br />20% <br />50% <br />COST ANALYSIS <br />PEPM Rates - Enrollment per <br />Enrollment <br />Advantage HSA Plan <br />o <br />Medics Choice Passport MN 2000 25 /o HSA <br />Smart Plan 3: 3400-100-3400- <br />Plan 506 MSI Medica Choice Passport <br />Marketing Census <br />PrevRx-Aware <br />ASO 2000-25% HSA+Rx Copays <br />Employee (EE) Only <br />27 <br />$730.68 <br />$768.09 <br />$755.00 <br />$748.94 <br />EE + Spouse <br />3 <br />$1,581.10 <br />$1,662.05 <br />$1,336.00 <br />$1,620.62 <br />EE + Child(ren) <br />20 <br />$1,297.62 <br />$1,364.06 <br />$1,581.00 <br />$1,330.06 <br />EE + Family <br />10 <br />$2,148.02 <br />$2,258.00 <br />$2,070.00 <br />$2,201.72 <br />Total Enrollment <br />60 <br />Estimated Monthly Premium <br />$71,904 <br />$75,586 <br />$76,713 <br />$73,702 <br />Estimated Annual Premium <br />$862,851 <br />$907,029 <br />$920,556 <br />$884,420 <br />Dollar Difference from Current <br />$8625851 <br />$44,178 <br />$57,705 <br />$217569 <br />Percent Change from Current <br />1 0.0% <br />1 5.1% <br />1 6.7% <br />1 2.5% <br />PLAN PROVISIONS <br />Rate Guarantee <br />4 Year commitment requiredcanmarket if <br />renewal over 20 /o <br />1 Year rate guarantee ending 12/31/2026 <br />SmartPlans = 15% rate cap 2027 <br />1 Year rate guarantee ending 12/31/2026 <br />Required Employer Contribution <br />Minimum of 50 percent toward the single monthly <br />Minimum of 50 percent toward the single monthly <br />Minimum of 50% of the lowest -cost premium <br />The employer must contribute at least 50% <br />of the cost of the lowest priced health plan <br />premium rate. <br />premium rate. <br />for all employees in each eligible class. <br />offered to your employees. <br />At least 75 percent of the eligible employees who aren't <br />enrolled in another group plan, Minnesota <br />At least 50% of all eligible employees must <br />At least 50% of the total number of all <br />o <br />PEIP medical coverage requires that 75 /o of your <br />Comprehensive Health Association, medical assistance, <br />participate <br />eligible employees must enroll in the <br />Required Participation <br />group's insurance eligible individuals must <br />or Medicare must have coverage under your Medica <br />in the employer s sponsored plan(s) regardless <br />p () g <br />program for coverage to be offered to our <br />p g g y <br />participate <br />group plan(s). In addition, at least 50 percent of all <br />of waivers. . <br />group. <br />eligible employees must have coverage under your <br />Medica group plan(s). <br />Eligibility <br />FTE 30HRS/WK <br />FTE 30HRS/WK <br />FTE 30HRS/WK <br />FTE 30HRS/WK <br />The information contained herein is subject to the disclosures and disclaimers on the Disclaimers page of this presentation. <br />©2025 ARTHUR J. GALLAGHER & CO. 47 <br />