DTR Analysis for July: HMO Enrollment

The shift of members from commercial fully-insured programs to employerself-funded programs continues as larger employers (300+ employees) seekto control their benefit structures and reduce overall costs; and as insurersmove from risk to administrative services only (ASO) programs. The so-calledconsumer-directed or employee-directed plans are a major driver of thisshift, according to Robert L. Trinka, MBA, chairman and chief executiveofficer of Uniphyd Corp., a Medicare managed care organization.