TRS-ActiveCare Rates and Benefits for FY 15

Betsey Jones and Bill Hickman, Gabriel Roeder, and Smith

June 6, 2014
ActiveCare 1-HD
126,274
44.3%
ActiveCare 2
130,159
45.7%
ActiveCare 3
4,425
1.6%
HMO Plans
23,910
8.4%
TRS-ActiveCare Enrollment
(Employees by Plan, December 2013
FirstCare Health Plans 3.6% Scott & White Health Plan 3.7% Valley Baptist Health Plans 1.0%
284,768 Contracts (Employees) 468,308 Members
TRS-ActiveCare Enrollment
Tier Selection
3









63% females, 37% males
Employee &
Spouse
4.4%
Employee &
Family
10.4%
Employee Only
67.8%
Employee &
Child(ren)
17.4%
TRS-ActiveCare Funding
4
Self-funded program
Sole source of funding is premiums for coverage
selected.
Districts must contribute a minimum of $150 per
month per employee (districts may elect to
contribute more)
State contributes $75 per month per employee,
through school finance formulas
TRS-ActiveCare
Funding Impact
5
Funding requirements for Districts and State
have not changed since program inception of
September 1, 2002
Survey of districts
38% contribute the minimum
22% contribute up to $50 more than the minimum
3% contribute to dependent coverage
34% administer a health savings account (HSA)
5% make contributions to the HSA
TRS-ActiveCare
Funding Impact
6
There has been a significant shift in enrollment as premiums have increased
and benefits have been reduced.


TRS-ActiveCare
Funding Impact
7
29%
32% 32% 32% 32%
36% 36%
39%
43%
48%
51%
57%
$-
$100
$200
$300
$400
$500
$600
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Historical Premiums
TRS-ActiveCare 2 - Employee Only Coverage Tier
State/District Contribution* Employee Contribution
The employee share of the
premium has doubled since
the inception of the plan.
*Assumes a $75 state and $150 minimum district contribution per month toward the cost of coverage.
TRS-ActiveCare
Funding Impact
8
5%
0% 0% 0%
7%
0%
5%
7%
10%
6%
15%
18%
0% 0% 0%
22%
0%
12%
18%
22%
12%
29%
0%
5%
10%
15%
20%
25%
30%
35%
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Historical Premium Increases
TRS-ActiveCare 2 - Employee Only Coverage Tier
% Change in Total Premium* % Change in Employee Contribution
Employee contributions
for TRS-ActiveCare 2 have
increased 238% since the
inception of the plan.
*Assumes a $75 state and $150 minimum district contribution per month toward the cost of coverage.