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Milliman, Seattle, recently completed its 2010 Group Health Insurance Survey, which projects an average 10.2 percent premium rate increase for January 2011 renewals for health maintenance organizations and an 11.7 percent increase for preferred provider organizations. These increases also possibly reflect some change because of implementation requirements of the Patient Protection and Affordable Care Act.

For premium rates, the reported annual historical growth was 10.9 percent for HMOs and 11.7 percent to 12.0 percent for PPOs. The PPO results were collected for both a standard plan and a high-deductible plan. In 2009, commercial insurers saw a median 1.1 percent pretax profit as a percent of premium.

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