Zoe Pediatrics 2025 Proposal

Dr. Stephanie Kong March 28, 2025 Page Two

Considerations and Discussions

• ACA Affordability requirements | HDHP options • Competitive carrier funding arrangements | administrative requirements • Employer Contribution Strategy • Potential carrier rating adjustments if current enrollment changes by +/- 10% • Run-out claims and administrative liability; approximately 20-25% of annual claim spend • Requested administrative credits from Anthem/Cigna • Carriers holding proposed rates for 8/1 renewal

Thank you again for the opportunity to be of service and please give us a call with any questions.

Best regards,

Charlie McDaniel

CEM/mtc

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