This year, more of the premium dollar goes to medical care

Experts caution that it may not indicate a sustained trend. But for what it's worth, as 1996 dawned, the nation's publicly traded HMOs were spending more of their premium dollar on medical care and less on administration than they had been spending a year earlier. That's the import of data on "medical loss ratios," the proportion of total medical expenses to total revenue, for 21 of the 22 publicly traded plans; figures weren't available for the remaining HMO. Also, the once-hot HMO sector has turned in a much weaker performance so far this year than the stock market as a whole.

Mean medical loss ratios at year-end, 1993, 1994 and 1995
Median medical loss ratios at year-end, 1993, 1994 and 1995


Career Opportunities

HAP, a subsidiary of Henry Ford Health System, is a nonprofit health plan providing coverage to individuals, companies and organizations. This executive develops strategies to meet membership and revenue targets through products, pricing, market segmentation and advertising.  Aligns business among Business Development, Commercial Sales, Medicare and Public Sector Programs and Product Development. Seeks to enhance and be responsible for business development and expansion through the development of an effective product portfolio, strong interpersonal relationships and service excellence.

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