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Aon review: SFHSS health plans showed trends below national averages in 2024; specialty drugs and high‑cost cases remain drivers
Summary
Aon presented 2024 experience for SFHSS self‑funded and flex‑funded plans, reporting generally lower-than-national trend increases across Blue Shield and Health Net plans, moderate growth in the non‑Medicare PPO, and continued concentration of spending in a small number of high‑cost claimants and specialty drugs.
Aon lead actuary Mike Clark presented the Health Service Board with a year‑end review of SFHSS self‑funded and flex‑funded plan experience for calendar year 2024 on March 13, saying overall plan trends were modestly below national averages but that specialty pharmacy and high‑cost claimants continue to drive much of the spend.
Clark reviewed results across several plan families: Blue Shield flex‑funded HMOs (which included UnitedHealthcare EPO experience during 2024), Health Net Canopy Care (a capitated product with growing enrollment), the non‑Medicare PPO (Blue Shield/United populations), and the Delta Dental active…
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