Segal Report

City of Chandler — Regular Meeting (2026-06-10)

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Mary Fedor 
Senior Consultant 
T 480.550.0362 
M 602.750.4078 
mfedor@segalco.com 
1501 West Fountainhead Parkway
Suite 370
Tempe, AZ 85282-1936
segalco.com
 
#5989889v1/00914.015 
 
 
 
June 1, 2026 
Fernanda Acurio 
Human Resources Manager 
City of Chandler  
PO Box 4008   
Chandler, AZ 85244-4008 
 
Re:   City of Chandler  
  Medical and Prescription Drug Plan Monthly Reporting 
  January 1, 2026 through December 31, 2026 – Data through March 
Dear Fernanda:  
Enclosed is the monthly experience reporting for the City’s medical and prescription drug plans. 
The report contains medical claims, prescription drug claims, enrollment, and expense 
information as furnished by Blue Cross Blue Shield of Arizona (Whyzen Analytics reporting tool) 
through March 31, 2026. 
For the month of March, Medical paid claims were approximately $2,053,200 while net Rx 
claims were about $470,100. For the 2026 plan year to date, claims and expenses (after stop-
loss reimbursements and pharmacy rebates) were above contributions by approximately 
$447,900 or 5.6% of contributions. Based on paid claims and expenses, Actives and Retirees 
on the Blue Plan experienced an operating deficit, along with Retirees on the Red Plan and 
White Plan, as displayed on Page 8. 
There are four claimants with paid claims in excess of $100,000 during the reporting period. 
There are zero claimants in the current plan year to date who have exceeded the stop loss 
deductible of $350,000. 
Expenses included in this report are medical plan administration, stop-loss premium, capitation 
for behavioral health & chiropractic services, value-based services, out-of-network shared 
savings costs, HSA administration, and fees associated with the Affordable Care Act. Also 
included is the amount of $67,800 per month from the estimated 2026 Operating Budget. These 
expenses exclude those funded by Blue Cross Blue Shield of Arizona. These expenses include 
categories such as wellness incentives, personnel support, audit & financial services, 
promotional, operating supplies & equipment, bank charges, contractual services, and health 
savings and flex account contributions.   
In March 2026, approximately 35.2% of all active employees and retirees were enrolled in the 
Red plan, with 4.6% enrolled in the Blue plan, and 60.2% enrolled in the White plan. The 
average total enrollment in 2026 is approximately 2.9% higher than the 2025 average 
enrollment.

Fernanda Acurio 
June 1, 2026 
Page 2 
 
#5989889v1/00914.015 
 
This document has been prepared for the exclusive use and benefit of the City of Chandler, 
based upon information provided by you and your other service providers or otherwise made 
available to Segal at the time this document was created. Segal makes no representation or 
warranty as to the accuracy of any forward-looking statements and does not guarantee any 
particular outcome or result. Except as required by law or required for the Client’s proper 
administration, this document should not be copied, reproduced, or shared with other parties 
without Segal’s consent and, in such instances, should only be shared in its entirety. This 
document does not constitute legal, tax or investment advice or create or imply a fiduciary 
relationship. You are encouraged to discuss any issues raised with your legal, tax and other 
advisors before taking, or refraining from taking, any action. 
I look forward to discussing this report with you. 
Sincerely, 
Mary Fedor 
Senior Consultant

City of Chandler
Medical/Rx Monthly Reporting:
January 2026 - December 2026
(Data Through March 2026)
6/1/2026
Presented by: Mary Fedor
© 2026 by The Segal Group Inc. All rights reserved.

City of Chandler
HealthPlan Dashboard - Data thru March 2026
Metrics
Mar'26
Jan'26-Mar'26
Jan'25-Dec'25
Metrics
Mar'26
Jan'26-Mar'26
Jan'25-Dec'25
Contributions (PEPM)6
$1,362.78
$1,364.05
$1,307.96
Avg. # of Employees
1,944
1,945
1,891
Net Paid Medical Claims (PEPM)
$1,055.42
$887.84
$1,204.23
Avg. # of Members
4,947
4,961
4,817
Net Paid Rx Claims (PEPM)
$241.84
$226.91
$263.17
Ratio Members to EEs
2.54
2.55
2.55
Total Claims (PEPM)
$1,297.26
$1,114.75
$1,467.40
Age/Gender Index 1
-
0.942
0.943
Stop Loss & Adm Expenses (PEPM)
$157.62
$172.54
$227.70
Total Claims & Expenses (PEPM)
$1,454.88
$1,287.29
$1,695.11
Surplus/Deficit (PEPM)
-$92.10
$76.76
-$387.15
Loss Ratio
107%
94%
130%
PEPM % Change
13.0%
-24.1%
Metrics
Jan'26-Mar'26
Jan'25-Mar'25
% Change
# of Claimants
4
1
300.0%
$ of Medical/Rx Paid Claims
$429,962
$200,221
114.7%
% of Medical/Rx Paid Claims
6.4%
3.0%
111.5%
Metrics
Jan'26-Mar'26
Jan'25-Dec'25
% Change
Metrics
Jan'26-Mar'26
Jan'25-Dec'25
% Change
Bed Days/1,000
139.5
259.7
-46.3%
Generic (PEPM)
$15.18
$21.71
-30.1%
Avg Length of Stay
3.5
4.4
-21.5%
Brand Preferred (PEPM)
$190.62
$231.25
-17.6%
Brand Non-Preferred (PEPM)
$8.68
$11.42
-24.1%
Specialty (PEPM)
$224.18
$313.55
-28.5%
Total (PEPM)
$438.65
$577.93
-24.1%
Metrics
Jan'26-Mar'26
Jan'25-Dec'25
% Change
Metrics
Jan'26-Mar'26
Jan'25-Dec'25
% Change
In-Network Allowed %
99.6%
96.1%
3.6%
Retail Scripts PMPY
9.73
11.72
-17.0%
Discount from Billed5
67.2%
66.0%
1.9%
Mail Order Scripts PMPY
0.40
0.47
-14.6%
% Mail Order
3.9%
3.8%
2.8%
Metrics
Jan'26-Mar'26
Jan'25-Dec'25
% Change
Generic Dispensing Rate
83.4%
83.2%
0.3%
Metrics
Jan'26-Mar'26
Jan'25-Dec'25
% Change
Generic Plan Paid/Script
$6.77
$8.47
-20.1%
Member Cost Share %
25.2%
11.8%
113.3%
Brand Plan Paid/Script
$491.79
$518.27
-5.1%
Plan Paid %
74.8%
88.2%
-15.2%
Specialty Plan Paid/Script
$5,609.35
$6,533.39
-14.1%
Total Plan Paid/Script
$163.19
$187.76
-13.1%
5989984
Financial
Prescription Drugs (Rx)
2
Enrollment
Medical Utilization
Medical Network 
Medical/Rx Plan Design  
(1) BCBS factor for measuring the cost deviation of a population from that of a benchmark population based on age and gender attributes.
(2) The amount that plan participants enrolled in the White plan pay for their prescription drugs is not included in the Phar macy Spend and Pharmacy Per Script Metric sections of the Dashboard because the information  is not 
available broken down by pharmacy category in the BCBSAZ Whyzen system. Differences in pharmacy spend may also be due to the reporting data source.
(3) Cost share means the member's out-of-pocket expense compared to the sum of plan paid claims plus member out -of-pocket. Percentages do not reflect employee contributions.
(4) Percentages are rounded to the first decimal. 
(5) Dashboard Large Claims data is taken from the BCBSAZ Whyzen reporting tool, which is a utilization "snapshot in time" pos sibly resulting in a difference between the dashboard and the monthly report.
(6) Retiree enrollment and contributions are estimated for Jan 2026 and subject to updates once actuals are available.
Income vs Paid Medical/Rx Claims + Expenses
Pharmacy Spend2
Pharmacy Retail vs Mail Order
Pharmacy Per Script Metrics2
Demographics
Large Claimants (> $100,000)
Inpatient Hospital
Medical In-Network Usage & Discounts
Medical/Rx Plan - Member Cost Sharing3

City of Chandler
2025-2026 Medical/Rx Contributions and Expenses
Year-to-date through March 2026
Month
Enrollment
Contributions1
Medical Paid2,3
Stop Loss Refunds
Rx Paid
Rx Rebates
Net Claims
Expenses4
Total Paid Claims and Expenses
Surplus/
(Deficit)
Total Loss Ratio
Jan-25
1,888
              
$2,466,316
$1,305,024
($24,025)
$445,129
$0
$1,726,127
$421,069
$2,147,196
$319,120
87.1%
Feb-25
1,888
              
$2,463,414
$1,597,614
($883)
$458,094
($176,701)
$1,878,125
$425,517
$2,303,642
$159,772
93.5%
Mar-25
1,886
              
$2,466,464
$2,482,351
($897)
$379,806
$0
$2,861,261
$431,031
$3,292,292
($825,827)
133.5%
Apr-25
1,883
              
$2,461,954
$2,248,996
($44,893)
$575,693
$0
$2,779,796
$429,998
$3,209,794
($747,839)
130.4%
May-25
1,871
              
$2,448,132
$2,424,209
($240)
$486,142
($172,934)
$2,737,178
$431,398
$3,168,576
($720,443)
129.4%
Jun-25
1,875
              
$2,452,954
$2,005,554
($411)
$600,164
$0
$2,605,307
$402,132
$3,007,439
($554,484)
122.6%
Jul-25
1,882
              
$2,463,067
$2,865,701
($26)
$580,271
$0
$3,445,946
$414,929
$3,860,875
($1,397,808)
156.8%
Aug-25
1,893
              
$2,479,584
$2,468,819
($98,917)
$525,941
($186,362)
$2,709,481
$445,941
$3,155,422
($675,838)
127.3%
Sep-25
1,892
              
$2,475,194
$2,658,890
($1,648)
$650,647
$0
$3,307,889
$411,447
$3,719,337
($1,244,143)
150.3%
Oct-25
1,901
              
$2,489,674
$2,983,630
($212,167)
$720,400
($199,888)
$3,291,975
$429,803
$3,721,778
($1,232,105)
149.5%
Nov-25
1,914
              
$2,501,278
$2,218,334
($328,599)
$665,265
$0
$2,555,000
$448,245
$3,003,245
($501,967)
120.1%
Dec-25
1,917
              
$2,509,478
$3,400,703
($623,073)
$619,656
$0
$3,397,286
$475,078
$3,872,364
($1,362,887)
154.3%
2025 Total
22,690
            
$29,677,509
$28,659,826
($1,335,778)
$6,707,209
($735,885)
$33,295,371
$5,166,587
$38,461,958
($8,784,449)
129.6%
2025 Avg.
1,891
              
$2,473,126
$2,388,319
($111,315)
$558,934
($61,324)
$2,774,614
$430,549
$3,205,163
($732,037)
129.6%
Jan-26
1,949
              
$2,662,862
$1,468,995
($30,808)
$564,997
($223,891)
$1,779,293
$344,105
$2,123,398
$539,464
79.7%
Feb-26
1,942
              
$2,647,127
$1,695,626
($4,984)
$512,768
$0
$2,203,410
$356,239
$2,559,649
$87,478
96.7%
Mar-26
1,944
              
$2,649,243
$2,053,214
($1,478)
$470,139
$0
$2,521,875
$306,416
$2,828,291
($179,049)
106.8%
Apr-26
May-26
Jun-26
Jul-26
Aug-26
Sep-26
Oct-26
Nov-26
Dec-26
2026 Total
5,835
              
$7,959,231
$5,217,834
($37,270)
$1,547,905
($223,891)
$6,504,578
$1,006,760
$7,511,338
$447,893
94.4%
2026 Avg.
1,945
              
$2,653,077
$1,739,278
($12,423)
$515,968
($74,630)
$2,168,193
$335,587
$2,503,779
$149,298
94.4%
(1) Contributions for COBRA are assumed to be the same as the Actives. (2) Medical Paid claims include BCBSAZ AEA amounts, access fees, and capitation.
(3) Medical Paid claims includes retroactive adjustments which causes discrepancies when comparing to BCBSAZ invoices. (4) Expenses include prorated monthly PCORI fees and budgeted interest income as an offset to operating expenses.
(5) Enrollment may change retrospectively based on updated BCBSAZ reporting. Retiree enrollment and contributions are estimated for Jan 2026 and subject to updates once actuals are available. 
$2,123,398 
$4,683,047 
$7,511,338 
$2,147,196 
$4,450,838 
$7,743,129 
$10,952,923 
$14,121,499 
$17,128,937 
$20,989,812 
$24,145,234 
$27,864,571 
$31,586,349 
$34,589,594 
$38,461,958 
Jan.
Feb.
Mar.
Apr.
May
Jun.
Jul.
Aug.
Sept.
Oct.
Nov.
Dec.
Dollars
Month
2026 vs 2025 Cumulative Paid Claims & Expenses
2026 Cumulative Claims & Expenses
2025 Cumulative Claims & Expenses
5989984
3

City of Chandler
2026 Medical/Rx Paid Claims by Plan and Status
Year-to-date through March 2026
$1,477 
$1,588 
$842 
$1,102 
$2,740 
$1,123 
$1,078 
$1,566 
$1,606 
$1,485 
$872 
$1,160 
Red
Blue
White
All Plans
Claims 
(PEPM)
Plan
Medical/Rx YTD Claims Paid by Plan and Status -- 2026 Plan Year
Actives '26
Retirees '26
All '26
$1,924 
$1,334 
$1,130 
$1,441 
$2,720 
$1,546 
$2,422 
$2,431 
$2,002 
$1,379 
$1,291 
$1,559 
Red
Blue
White
All Plans
Claims 
(PEPM)
Plan
Medical/Rx Claims Paid by Plan and Status -- 2025 Plan Year
Actives '25
Retirees '25
All '25
5989984
4
Notes:
Paid claims illustrated include capitation but are not reduced for stop loss reimbursements and prescription drug rebates.
The claims information by Active and Retiree status is approximate based on the status information reported to Blue Cross Blue Shield as of the date the claim was adjudicated.

City of Chandler
2026 Enrollment by Status and Plan
Year-to-date through March 2026
Month
Active Red
Active Blue
Active White
Active Total
Retiree Red
Retiree Blue
Retiree White
Retiree Total
Total Red
Total Blue
Total White
Total All
Jan-26
627
               
67
                  
1,014
               
1,708
              
71
                   
19
                    
151
                    
241
                   
698
             
86
                
1,165
             
1,949
        
Feb-26
614
               
67
                  
1,020
               
1,701
              
70
                   
19
                    
152
                    
241
                   
684
             
86
                
1,172
             
1,942
        
Mar-26
614
               
69
                  
1,019
               
1,702
              
70
                   
20
                    
152
                    
242
                   
684
             
89
                
1,171
             
1,944
        
Apr-26
May-26
Jun-26
Jul-26
Aug-26
Sep-26
Oct-26
Nov-26
Dec-26
2026 Avg.
618
               
68
                  
1,018
               
1,704
              
70
                   
19
                    
152
                    
241
                   
689
             
87
                
1,169
             
1,945
        
% of Total
31.8%
3.5%
52.3%
87.6%
3.6%
1.0%
7.8%
12.4%
35.4%
4.5%
60.1%
100.0%
2025 Avg.
632
               
78
                  
956
                  
1,666
              
68
                   
21
                    
136
                    
225
                   
700
             
99
                
1,092
             
1,891
        
% Change
-2.1%
-12.9%
6.4%
2.3%
3.1%
-7.6%
11.6%
7.2%
-1.6%
-11.7%
7.1%
2.9%
 -
 500
 1,000
 1,500
Jan-26
Feb-26
Mar-26
Apr-26
May-26
Jun-26
Jul-26
Aug-26
Sep-26
Oct-26
Nov-26
Dec-26
Count
Month
Active Enrollment by Plan 
Active Red
Active Blue
Active White
 -
 50
 100
 150
 200
Jan-26
Feb-26
Mar-26
Apr-26
May-26
Jun-26
Jul-26
Aug-26
Sep-26
Oct-26
Nov-26
Dec-26
Count
Month
Retiree Enrollment by Plan
Retiree Red
Retiree Blue
Retiree White
5989984
5

City of Chandler
Enrollment by Tier
Year-to-date through March 2026
Month
Red EE
Red EE+SP
Red EE+Ch(rn)
Red EE+Fam
Blue EE
Blue EE+SP
Blue EE+Ch(rn)
Blue EE+Fam
White EE
White EE+SP
White EE+Ch(rn)
White EE+Fam
Jan-26
181
                 
128
                 
92
                          
226
                    
34
                    
8
                       
9
                             
16
                       
349
                    
117
                    
112
                          
436
                       
Feb-26
177
                 
126
                 
90
                          
221
                    
34
                    
8
                       
9
                             
16
                       
351
                    
117
                    
113
                          
439
                       
Mar-26
177
                 
126
                 
90
                          
221
                    
35
                    
8
                       
9
                             
17
                       
351
                    
117
                    
113
                          
438
                       
Apr-26
May-26
Jun-26
Jul-26
Aug-26
Sep-26
Oct-26
Nov-26
Dec-26
2026 Total
535
                 
380
                 
272
                        
668
                    
103
                  
24
                     
27
                           
49
                       
1,051
                 
351
                    
338
                          
1,313
                    
2026 Avg.
178
                 
127
                 
91
                          
223
                    
34
                    
8
                       
9
                             
16
                       
350
                    
117
                    
113
                          
438
                       
Month
Red Retiree
Red Ret+SP
Red Ret+Ch(rn)
Red Ret+Fam
Blue Retiree
Blue Ret+SP
Blue Ret+Ch(rn)
Blue Ret+Fam
White Retiree
White Ret+SP
White Ret+Ch(rn)
White Ret+Fam
Jan-26
30
                   
31
                   
7
                            
3
                        
11
                    
7
                       
-
                         
1
                         
67
                      
46
                      
9
                              
29
                         
Feb-26
29
                   
31
                   
7
                            
3
                        
11
                    
7
                       
-
                         
1
                         
68
                      
46
                      
9
                              
29
                         
Mar-26
29
                   
31
                   
7
                            
3
                        
12
                    
7
                       
-
                         
1
                         
68
                      
46
                      
9
                              
29
                         
Apr-26
May-26
Jun-26
Jul-26
Aug-26
Sep-26
Oct-26
Nov-26
Dec-26
2026 Total
88
                   
93
                   
21
                          
9
                        
34
                    
21
                     
-
                         
3
                         
203
                    
138
                    
27
                            
87
                         
2026 Avg.
29
                   
31
                   
7
                            
3
                        
11
                    
7
                       
-
                         
1
                         
68
                      
46
                      
9
                              
29
                         
5989984
6

City of Chandler
2026 Contributions and Paid Claims by Status and Plan
Year-to-date through March 2026
Medical Plan
Active Enrollment
Active Contributions
Active Claims & Expenses
Active Loss Ratio
Retiree Enrollment
Retiree Contributions
Retiree Claims & Expenses
Retiree Loss Ratio
Total Enrollment
Total Contributions
Total Claims & Expenses
Total Loss Ratio
All Plans
5,111
                        
$7,127,853
$6,513,966
91%
724
                             
$831,379
$1,258,533
151%
5,835
                      
$7,959,231
$7,772,499
98%
% of Total
87.6%
89.6%
83.8%
12.4%
10.4%
16.2%
100.0%
100.0%
100.0%
Red Plan
1,855
                        
$3,236,200
$3,060,608
95%
211
                             
$300,049
$614,443
205%
2,066
                      
$3,536,250
$3,675,051
104%
% of Total
90%
92%
83%
10%
8%
17%
35%
44%
47%
Blue Plan
203
                           
$263,604
$357,319
136%
58
                               
$64,996
$75,101
116%
261
                         
$328,600
$432,420
132%
% of Total
78%
80%
83%
22%
20%
17%
4%
4%
6%
White Plan
3,053
                        
$3,628,048
$3,096,039
85%
455
                             
$466,333
$568,989
122%
3,508
                      
$4,094,381
$3,665,028
90%
% of Total
87%
89%
84%
13%
11%
16%
60%
51%
47%
$2,385,798 
$4,756,193 
$7,127,853 
$1,926,377 
$4,049,867 
$6,513,966 
Jan-26
Feb-26
Mar-26
Apr-26
May-26
Jun-26
Jul-26
Aug-26
Sep-26
Oct-26
Nov-26
Dec-26
Dollars
Month
Active Contributions vs Claims and Expenses
Contributions
Claims & Expenses
$277,064 
$553,796 
$831,379 
$451,720 
$892,862 
$1,258,533 
Jan-26
Feb-26
Mar-26
Apr-26
May-26
Jun-26
Jul-26
Aug-26
Sep-26
Oct-26
Nov-26
Dec-26
Dollars
Month
Retiree Contributions vs Claims and Expenses 
 Contributions
 Claims & Expenses
5989984
Notes: 
Paid claims include capitation but are unadjusted for stop loss reimbursements and prescription drug rebates. Retiree enrollment is estimated and subject to updates once actuals are available.
Percent of Total rows sum Active and Retiree columns by plan and show each plan's percentage of the total in the Total columns.
The claims information by Active and Retiree is approximate based on the status information reported to Blue Cross Blue Shield as of the date the claim was adjudicated.
7

City of Chandler
Enrollment by Tier
Plan Year 2025
Month
Red EE
Red EE+SP
Red EE+Ch(rn)
Red EE+Fam
Blue EE
Blue EE+SP
Blue EE+Ch(rn)
Blue EE+Fam
White EE
White EE+SP
White EE+Ch(rn)
White EE+Fam
Jan-25
186
                 
146
                  
89
                          
217
                    
38
                    
9
                       
11
                           
17
                       
329
                    
106
                    
103
                          
426
                       
Feb-25
186
                 
145
                  
91
                          
215
                    
40
                    
9
                       
11
                           
17
                       
332
                    
104
                    
103
                          
423
                       
Mar-25
186
                 
143
                  
90
                          
219
                    
39
                    
10
                     
11
                           
17
                       
332
                    
104
                    
101
                          
424
                       
Apr-25
182
                 
141
                  
88
                          
219
                    
40
                    
9
                       
11
                           
17
                       
331
                    
105
                    
101
                          
421
                       
May-25
179
                 
136
                  
89
                          
221
                    
41
                    
9
                       
10
                           
17
                       
329
                    
105
                    
102
                          
417
                       
Jun-25
181
                 
135
                  
90
                          
224
                    
42
                    
10
                     
10
                           
16
                       
327
                    
108
                    
102
                          
411
                       
Jul-25
184
                 
132
                  
91
                          
225
                    
41
                    
10
                     
10
                           
17
                       
323
                    
108
                    
105
                          
414
                       
Aug-25
183
                 
128
                  
92
                          
228
                    
40
                    
9
                       
10
                           
18
                       
325
                    
112
                    
105
                          
413
                       
Sep-25
179
                 
127
                  
93
                          
228
                    
41
                    
9
                       
10
                           
18
                       
327
                    
110
                    
105
                          
410
                       
Oct-25
178
                 
129
                  
92
                          
231
                    
40
                    
8
                       
11
                           
20
                       
330
                    
109
                    
106
                          
406
                       
Nov-25
180
                 
131
                  
93
                          
228
                    
39
                    
8
                       
12
                           
20
                       
334
                    
110
                    
107
                          
407
                       
Dec-25
179
                 
132
                  
93
                          
229
                    
39
                    
9
                       
12
                           
20
                       
333
                    
110
                    
107
                          
412
                       
2025 Total
2,183
              
1,625
               
1,091
                     
2,684
                 
480
                  
109
                   
129
                         
214
                     
3,952
                 
1,291
                 
1,247
                       
4,984
                    
2025 Avg.
182
                 
135
                  
91
                          
224
                    
40
                    
9
                       
11
                           
18
                       
329
                    
108
                    
104
                          
415
                       
Month
Red Retiree
Red Ret+SP
Red Ret+Ch(rn)
Red Ret+Fam
Blue Retiree
Blue Ret+SP
Blue Ret+Ch(rn)
Blue Ret+Fam
White Retiree
White Ret+SP
White Ret+Ch(rn)
White Ret+Fam
Jan-25
25
                   
29
                    
5
                            
3
                        
11
                    
7
                       
1
                             
1
                         
65
                      
40
                      
7
                              
17
                         
Feb-25
27
                   
28
                    
5
                            
4
                        
11
                    
7
                       
1
                             
1
                         
62
                      
40
                      
7
                              
19
                         
Mar-25
27
                   
27
                    
5
                            
4
                        
12
                    
6
                       
1
                             
1
                         
60
                      
40
                      
7
                              
20
                         
Apr-25
28
                   
29
                    
5
                            
4
                        
11
                    
7
                       
1
                             
1
                         
62
                      
41
                      
7
                              
22
                         
May-25
28
                   
29
                    
5
                            
4
                        
11
                    
7
                       
1
                             
1
                         
61
                      
40
                      
7
                              
22
                         
Jun-25
28
                   
30
                    
6
                            
3
                        
11
                    
7
                       
1
                             
1
                         
61
                      
41
                      
7
                              
23
                         
Jul-25
28
                   
30
                    
6
                            
3
                        
12
                    
7
                       
1
                             
1
                         
63
                      
41
                      
7
                              
23
                         
Aug-25
29
                   
33
                    
6
                            
3
                        
12
                    
7
                       
1
                             
1
                         
63
                      
42
                      
7
                              
26
                         
Sep-25
31
                   
32
                    
7
                            
3
                        
12
                    
7
                       
1
                             
1
                         
64
                      
43
                      
8
                              
26
                         
Oct-25
31
                   
32
                    
7
                            
3
                        
14
                    
8
                       
-
                         
1
                         
63
                      
44
                      
9
                              
29
                         
Nov-25
31
                   
32
                    
8
                            
3
                        
14
                    
8
                       
-
                         
1
                         
64
                      
44
                      
9
                              
31
                         
Dec-25
31
                   
31
                    
8
                            
3
                        
13
                    
8
                       
-
                         
1
                         
62
                      
44
                      
11
                            
30
                         
2025 Total
344
                 
362
                  
73
                          
40
                      
144
                  
86
                     
9
                             
12
                       
750
                    
500
                    
93
                            
288
                       
2025 Avg.
29
                   
30
                    
6
                            
3
                        
12
                    
7
                       
1
                             
1
                         
63
                      
42
                      
8
                              
24
                         
5989984
8

City of Chandler
2026 Contributions and Expenses by Status and Plan
Year-to-date through March 2026
$1,745 
$1,299 
$1,188 
$1,395 
$1,650 
$1,760 
$1,014 
$1,274 
$95 
($462)
$174 
$120 
Red
Blue
White
All Plans
Dollars 
(PEPM)
Plan
Active Surplus/(Deficit) by Plan
Contributions
Claims+Expenses
Surplus/(Deficit)
$1,422 
$1,121 
$1,025 
$1,148 
$2,912 
$1,295 
$1,251 
$1,738 
($1,490)
($174)
($226)
($590)
Red
Blue
White
All Plans
Dollars 
(PEPM)
Plan
Retiree Surplus/(Deficit) by Plan
Contributions
Claims+Expenses
Surplus/(Deficit)
88%
12%
Enrollment
Active
Retiree
90%
10%
Contributions
Active
Retiree
84%
16%
Claims and Expenses
Active
Retiree
5989984
9
Notes:
Claims include capitation (allocated by claims paid year-to-date), but are unreduced for stop loss reimbursements.
The claims information by Active and Retiree status is approximate based on the status information reported to Blue Cross as of the date the claim was adjudicated.
Expenses on these graphs are limited to self-insurance administrative fees, PCORI fees, and paid claims.

City of Chandler
2026 Incurred Medical Claims Paid in Excess of $100,000
Year-to-date through March 2026
Rank
Plan
Medical/Rx Paid YTD
Medical/Rx Paid in Excess 
of $350K Stop Loss 
Deductible
1
Red Plan
$124,903
$0
2
White Plan
$102,223
$0
3
White Plan
$101,614
$0
4
Blue Plan
$101,222
$0
Total of four claimants
$429,962
$0
Percentage of Total 
Medical/Rx Paid:
6.4%
6.4%
93.6%
Medical/Rx Claims Paid in Excess of $100,000 vs. All 
Other Claims Paid  
Large Claims
All Other Medical/Rx
Claims
5989984
10

City of Chandler
Thirteen Month Snapshot - Medical and Rx Plan Paid Claims Through March 2026
Twelve Month 
Period Ending
(a)
Enrollment
(b)
Medical Claims 
Paid
(c)
Stop Loss 
Reimbursements
(d)=(b)+(c)
Net Medical 
Claims
(e)
Rx Paid
(f)=(d)+(e)
Net Claims
(d)/(a)
Net Medical 
Claims PEPM
(e)/(a)
Rx Claims 
PEPM
Mar-25
22,534
               
$20,249,064
($146,406)
$20,102,659
$6,126,881
$26,229,540
$892.10
$271.89
Apr-25
22,556
               
$20,772,667
($182,727)
$20,589,940
$6,293,515
$26,883,455
$912.84
$279.02
May-25
22,560
               
$21,403,739
($182,967)
$21,220,772
$6,236,534
$27,457,306
$940.64
$276.44
Jun-25
22,569
               
$21,645,106
($181,524)
$21,463,582
$6,245,423
$27,709,005
$951.02
$276.73
Jul-25
22,572
               
$22,727,635
($114,048)
$22,613,587
$6,265,255
$28,878,842
$1,001.84
$277.57
Aug-25
22,586
               
$23,334,558
($210,962)
$23,123,596
$6,226,059
$29,349,655
$1,023.80
$275.66
Sep-25
22,605
               
$24,343,986
($212,133)
$24,131,853
$6,360,738
$30,492,591
$1,067.54
$281.39
Oct-25
22,625
               
$25,880,639
($424,281)
$25,456,357
$6,554,935
$32,011,292
$1,125.14
$289.72
Nov-25
22,659
               
$26,879,270
($752,880)
$26,126,389
$6,634,091
$32,760,481
$1,153.02
$292.78
Dec-25
22,690
               
$28,659,826
($1,335,778)
$27,324,048
$6,707,209
$34,031,256
$1,204.23
$295.60
Jan-26
22,751
               
$28,823,797
($1,342,560)
$27,481,236
$6,827,077
$34,308,313
$1,207.91
$300.08
Feb-26
22,805
               
$28,921,808
($1,346,662)
$27,575,146
$6,881,751
$34,456,897
$1,209.17
$301.76
Mar-26
22,863
               
$28,492,671
($1,347,243)
$27,145,428
$6,972,084
$34,117,512
$1,187.31
$304.95
$272
$279
$276
$277
$278
$276
$281
$290
$293
$296
$300
$302
$305
Claims 
(PEPM)
12-Month Period Ending
Rolling Twelve Month Rx Claims PEPM
Rx Trend 12.2%
5989984
$892
$913
$941
$951
$1,002
$1,024
$1,068 $1,125
$1,153
$1,204
$1,208
$1,209
$1,187
Claims 
(PEPM)
12-Month Period Ending
Rolling Twelve Month Net Medical Claims 
PEPM
Net Medical Trend 33.1%
11
Notes:
Medical Claims Paid includes capitation.