Investor Presentaiton

Appendix A: Insurer Level Spending Growth Commercial Insurers' Performance Against the Cost Growth Target All four commercial insurers exceeded the 3.2% cost growth target for the 2021 performance period. Tufts Health Plan (THP) and Neighborhood Health Plan of Rhode Island's (NHPRI) spending growth exceeded 10% (see Exhibit A.1). Exhibit A.1: Commercial Insurers' 2021 Performance Against the Cost Growth Target -16.0% -12.0% -8.0% -4.0% 0.0% 4.0% 7.0% UHC 9.4% BCSBRI 10.3% NHPRI 13.0% THP 8.0% 12.0% 16.0% Source: OHIC analysis of TME data from insurers. Target performance is calculated using TME data, after applying truncation and age/sex risk adjustment. Data represent spending on fully insured and self-insured products, including the Federal Employee Health Benefits Program. Medicare Advantage Insurers' Performance Against the Cost Growth Target Both Medicare Advantage insurers exceeded the cost growth target for the 2021 performance period. Spending growth in the commercial and Medicare Advantage markets for both Blue Cross Blue Shield of Rhode Island (BCBSRI) and UnitedHealthcare (UHC) were comparable in 2021; UHC's Medicare Advantage spending growth was higher than its growth in the commercial market, while BCBSRI's Medicare Advantage spending growth was lower than its commercial market growth (see Exhibit A.2). Exhibit A.2: Medicare Advantage Insurers' 2021 Performance Against the Cost Growth Target -16.0% -12.0% -8.0% -4.0% 0.0% 7.3% BCBSRI 9.0% UHC 4.0% 8.0% 12.0% 16.0% Source: OHIC analysis of TME data from insurers. Target performance is calculated using TME data, after applying truncation and age/sex risk adjustment. Annual Report: Health Care Spending and Quality in Rhode Island 27 27

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