HORANALYTICS® COMPREHENSIVE REPORTING
HORANalytics®: SELF-FUNDED RETORACTIVE ANALYSIS
Key Elements: Review three to five years of the following data
• Claims PEPM vs premium paid PEPM
• Expected self-funded costs vs actual fully-insured costs
• Maximum self-funded liability
• Large claims risk at different thresholds
Application: Retroactively reviews fully-insured experience to illustrate the value of self-funding the medical plan
• Estimates fixed costs while using actual claims to indicate total liability/risk exposure for the past 3-5 years.
• Leverage analysis to identify cost savings opportunities and facilitate conversation around self-funding medical plan.
3 Year Summary
3 Year Summary
3 Year Summary
Total Fully Insured Cost
Total Fully Insured Cost
Expected Self-Funded Liability
Expected Self-Funded Liability
Self-Funded Savings (LOSS)
Self-Funded Savings (LOSS)
Maximum Self-Funded Maximum Liability
Maximum Self-Funded Maximum Liability
Based on HORAN's Assumptions, ABC Company would have saved roughly $2,408,572 if they selffunded their medical plan the past 36 months.