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Option 3: Health Savings Account (HSA) Plan Design <br />This type of plan was discussed as an offering in conjunction with the current Aware Gold <br />plan (a dual option). Premium savings could be contributed toward each participating <br />employee's deductible under the HSA plan design. HSAs may be a good option for <br />healthy members. <br />B. Conduct a market search for plan bids outside the Cooperative <br />At this time, market search results would not be fruitful due to current high claims experience <br />loss ratio (116% from Jan -Apr 2006) and a high on-going claim case ($37,225 in Jan -Feb <br />2006). <br />Thank you for this opportunity to present your 2007 health plan renewal! Please contact me <br />with any questions you may have regarding this information. <br />Sincerely, <br />Jodi L. Berge, CEBS <br />Account Executive <br />David Martin Agency, Inc. <br />Enc: BCBS Benefit Summaries <br />4 <br />