XXXXXXXXXXXXXXXXXX XXXXXXXXXXX XXXXXXXXXXXXX XXXXXXXXXXX September 5, 2017 Ms. Johanna Fabian-Marks Special Deputy & Acting Director Bureau of Life, Accident & Health Insurance 1326 Strawberry Square Harrisburg, PA 17120 Re: Aetna Health, Inc. / Aetna Health Insurance Company NAIC #: 95109 / 72052 Market: Small Group Exchange: Off-Exchange Effective Date: 01/01/2018 Avg rate change requested: 5.6% Range of rate change requested: -22.5% to 62.1% Products: HMO, POS Rating Areas & Change over 2017: Rating Areas 1-3 and 5-9, certain counties excluded Metal Levels: Silver Current # covered lives: 4,733 Current # policyholders: 2,701 Number of plans offered vs 2017: 2; 17 in 2017 HIOS Issuer ID / Binder #: 64844 Tracking Num: AETN-PA18-125071664 Rate Filing Tracking Number: AETN-131033648 & AETN-131033632 Policy Form(s): HI SG HCOC-2018 02 & HO SG HCOC-2018 02 Form Filing Tracking Number: AETN-130908211 & AETN-130908220 Dear Ms. Fabian-Marks: The purpose of this filing revision is to provide details of the premium rate development and resulting proposed monthly premium rates for Small Group policies which will be offered off-Exchange in the State of PA for effective dates of January 1, 2018 and later. This filing is being provided to comply with regulatory rate filing requirements, and is not intended to be used for other purposes. The health benefit plans proposed in this filing are in compliance with all state-specific benefit requirements and rating regulations, as well as the benefit plan requirements of the Patient Protection and Affordability Act (P.L. 111-148). This rate filing is intended for new business issued through the State of PA off-Exchange marketplace effective January 1, 2018. All products and associated proposed monthly premium rates contained within this rate filing will be available to existing business upon their request. Existing business that is
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September 5, 2017 Ms. Johanna Fabian-Marks Special Deputy & Acting Director Bureau of Life, Accident & Health Insurance 1326 Strawberry Square Harrisburg, PA 17120 Re: Aetna Health, Inc. / Aetna Health Insurance Company NAIC #: 95109 / 72052 Market: Small Group Exchange: Off-Exchange Effective Date: 01/01/2018 Avg rate change requested: 5.6% Range of rate change requested: -22.5% to 62.1% Products: HMO, POS Rating Areas & Change over 2017: Rating Areas 1-3 and 5-9, certain counties excluded Metal Levels: Silver Current # covered lives: 4,733 Current # policyholders: 2,701 Number of plans offered vs 2017: 2; 17 in 2017 HIOS Issuer ID / Binder #: 64844 Tracking Num: AETN-PA18-125071664 Rate Filing Tracking Number: AETN-131033648 & AETN-131033632 Policy Form(s): HI SG HCOC-2018 02 & HO SG HCOC-2018 02 Form Filing Tracking Number: AETN-130908211 & AETN-130908220 Dear Ms. Fabian-Marks: The purpose of this filing revision is to provide details of the premium rate development and resulting proposed monthly premium rates for Small Group policies which will be offered off-Exchange in the State of PA for effective dates of January 1, 2018 and later. This filing is being provided to comply with regulatory rate filing requirements, and is not intended to be used for other purposes. The health benefit plans proposed in this filing are in compliance with all state-specific benefit requirements and rating regulations, as well as the benefit plan requirements of the Patient Protection and Affordability Act (P.L. 111-148). This rate filing is intended for new business issued through the State of PA off-Exchange marketplace effective January 1, 2018. All products and associated proposed monthly premium rates contained within this rate filing will be available to existing business upon their request. Existing business that is
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not considered grandfathered under PPACA regulation will be converted to the plans and rates in this filing upon renewal. We have tried to present this information in a manner that will facilitate your Department’s review. If there are changes we can make to improve the process or you would like us to present the information differently in the future, please let us know. Please feel free to contact me at the above listed telephone number and/or e-mail address if you have any additional questions. Sincerely, XXXXXXX, FSA, MAAA Aetna
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2018 Pennsylvania Actuarial Memorandum 1. Basic Information and Data A. Company Information Company Legal Name: Aetna Health, Inc. / Aetna Health Ins. Co. NAIC #: 95109 / 72052 Market: Small Group Off-Exchange Effective Date: 01/01/2018 Avg rate change requested: 5.6% Range of rate change requested: -22.5% to 62.1% Products: HMO, POS Rating Areas: Rating Areas 1-3 and 5-9, certain counties excluded Metal Levels: Silver Current # covered lives: 4,733 Current # policyholders: 2,701 Number of plans offered: 2 HIOS Issuer ID / Binder #: 64844 Rate Filing Tracking Number: AETN-131033648 & AETN-131033632 Policy Form(s): HI SG HCOC-2018 02 & HO SG HCOC-2018 02 Form Filing Tracking Number: AETN-130908211 & AETN-130908220 B. Rate History and Proposed Variations in Rate Changes
• January 1, 2014 o Introduction of ACA o AETN-129037950 & AETN-129037955
• July 1, 2014 o Lowered previously filed 3Q14-4Q14 rates by 17% o AETN-129418257 & AETN-129418258
• January 1, 2015 o Filed a 4% increase o AETN-129621063 & AETN-129621158
• July 1, 2015 o Lowered previously filed 3Q15-4Q15 rates by 4% by removing commissions and tobacco
surcharge load o AETN-129920222 & AETN-129920216
• January 1, 2016 o Filed a 5% rate increase o AETN-130046864 & AETN-130046890
• April 1, 2016 o Increased previously filed 2Q16-4Q16 rates by 4% to add commissions o AETN-130242320 & AETN-130242341
• October 1, 2016 o Increased previously filed 4Q16 rates by 10.8% o AETN-130565130 & AETN-130565135
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• January 1, 2017 o Filed a 26.5% rate increase o AETN-130533489 & AETN-130533478
C. Average Rate Change The average rate change, as noted in cell AC15 of Table 10 and the percent change rate requested on the SERFF Rate Review Detail screen, is 5.6%. The change in the 21 year old non-tobacco premium pmpm as stated in cell AN13 on Table 11 is 11.3%. D. Membership Count Total current membership by age bucket is shown on Table 1. E. Benefit Changes The products included in this filing include benefits necessary to comply with the Essential Health Benefit requirements. The experience data includes experience for both Single Risk Pool products that have essentially identical benefits and coverage issued outside the Single Risk Pool which does not cover all EHBs. The projection factor reflects the pro-rated impact of these additional benefits, as well as any changes in 2017 State Benchmark EHBs, and newly mandated benefits. The change in projected utilization due to changes in benefits is also considered. As cost sharing decreases (measured by increasing Actuarial Value), utilization increases. This pattern is reflected in the factors that are built into the federal risk adjustment mechanism that started in 2014. The federal risk adjustment program factors and other proprietary models were considered in the development of the utilization change. The average cost sharing in the experience period was compared with the average cost sharing in the projection period. From the average cost sharing change, an expected utilization change was derived. F. Experience Period Claims and Premium The experience data reported in Worksheet 1, Section I of the Part I Unified Rate Review Template reflects incurred claims from January 1, 2016 through December 31, 2016 and paid through February, 2016, for Aetna Health, Inc. (and AHIC) which now includes Health America PA (HAPA). Incurred claims for both community-rated ACA and transitional plans have been included. Allowed and incurred claims are sourced from our actuarial experience databases. These databases provide member-level detail on total allowed and incurred claims but do not include unit cost or utilization metrics. We allocate claims to cost categories and estimate the corresponding unit costs and utilization metrics by using an alternate reporting system that calculates unit cost and utilization metrics by medical cost category but only permits inclusion/exclusion of experience at the market and segment levels. A reconciliation of aggregate data in our actuarial experience databases is performed to ensure that data is consistent with the experience data contained in our enterprise-wide data warehouse. Total incurred claims are developed by estimating the incurred but not paid (IBNP) reserves using aggregate block of business paid claims. Paid claims are adjusted using the IBNP completion factors. More specifically, historical claim payment patterns are used to predict the ultimate incurred claims for each date-of-service month. The IBNP is estimated using actuarial principles and assumptions which consider historical claim submission and adjudication patterns, unit cost and utilization trends, claim inventory levels, changes in membership and product mix, seasonality, and other relevant factors including a review of large claims. This same process is used to develop IBNP estimates for allowed claims.
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Experience period premiums are date-of-service premiums from our actuarial experience databases for Small Group business in Pennsylvania. Our internal projections indicate that no MLR rebate is expected to be paid in 2017 (for 2016 experience) for the Small Group MLR Pool in Pennsylvania. As such, no adjustment was made to premiums to account for expected rebates. The products discussed in this filing provide coverage for only those benefits defined as Essential Health Benefits (EHB). No adjustments to the experience period data have been made for capitation arrangements because we expect little to no capitation services to be provided in 2018. Transitional Reinsurance recoveries do not apply to Small Group business. Risk Adjustment transfer is accrued at the issuer and market level based on 2016 Wakely data and our internal projections of how our risk relative to market has changed since that report was issued. The transfer is allocated to the member-level based by applying the HHS risk transfer calculation to each member relative to the imputed market-average, such that members with higher resulting relative transfers scores may have a receivable and members with lower resulting scores may have a payable, regardless of the net market risk transfer result. The resulting member transfers are summed to the HIOS plan level and adjusted for 2016 Risk Adjustment fees of $0.15 PMPM in Worksheet 2. G. Credibility of Data No credibility is assigned to the experience data. This is due to the use of alternate experience data that more accurately captures the essential characteristics of the market for which we are developing rates. The source data for our manual rate is the experience incurred from January 1, 2016 to December 31, 2016 and paid through February, 2017 for Aetna and Coventry community-rated policies in the Pennsylvania Small Group (HMO / PPO) market. The Small Group market experience is considered an appropriate source for the manual rate. The Small Group experience used as the basis for the manual rate was adjusted in a similar manner as the base period experience for changes in population risk morbidity, benefits, and demographic and area normalizations. The data is further adjusted for projected changes in network, provider contract rates, and claims adjudication, in addition to unit cost and utilization trend. H. Trend Identification Medical trend factors are based on our Medical Economics Unit’s local trend and network experience, based on analysis of a continuous normalized population, excluding catastrophic claims. Allowed medical trend includes known and anticipated changes in provider contract rates, severity and medical technology impacts, and expected changes in utilization. The impact of benefit leveraging is accounted for separately in the projected paid to allowed ratio. Pharmacy trends are based on national commercial group Rx trend analysis. Pharmacy trend considers the impact of formulary changes, patent expirations, new drugs, other general market share shifts, and overall utilization trend. Pharmacy Trend is expressed in terms of allowed trend less rebates. Our internal systems assign claims to several benefit categories. We have mapped these categories to the categories described in the Unified Rate Review Instructions released in March, 2017. Inpatient Hospital consists of care delivered at an inpatient facility and associated expenses, including day-based mental health services. Outpatient Hospital includes outpatient surgical, outpatient mental health, and emergency care and associated expenses. Professional includes both specialty physician and primary care physician expenses, including office-based mental health services. Other includes dental, home health care, medical
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pharmacy expenses, laboratory expenses, and radiology expenses. Non-capitated ambulance is included in the Outpatient Hospital category when billed by the facility and included in Specialist Physician otherwise. Prescription Drug includes drugs dispensed by a pharmacy. The utilization for these services are counted by service type, and aggregated for each benefit category. Inpatient Hospital utilization is counted as days; Outpatient Hospital, Professional, and Other Medical utilization are counted as visits. Prescription Drug utilization is counted per script. Trend factors are developed from annual forward trend and leveraging. A trend factor of 1.00 corresponds to a policy period that begins January 1, 2018. I. Historical Experience As described above, medical trend factors are based on our Medical Economics Unit’s local trend and network experience, and pharmacy trends are based on national commercial group Rx trend analysis. 2. Rate Development & Change Please refer to the file titled 2018 PA SG AHI-AHIC Exhibits.xlsx for any exhibits referenced in the sections below. A. Development of Projected Index Rate, Market-Adjusted Index Rate, & Total Allowed Claims The index rates for the experience and projection periods are set equal to the actual and projected allowed claims, respectively. The index rate reflects the projected mix of business by plan. The AV pricing values for each plan are based on our internal company modeling of plan cost-sharing designs, the plan’s provider network, delivery system characteristics, and utilization management practices, the impacts (as applicable) of benefits in addition to EHBs and catastrophic eligibility criteria, and the distribution and administrative costs applicable to the plan/product. Rates do not differ for any characteristic other than those allowable under the regulations as described in 45 CFR 156 §156.80(d)(2). Exhibit 12 illustrates the quarterly trend factors, the resulting index rate for effective dates during each calendar quarter, the projected membership distribution by effective date, and the weighted-average index rate. Trend factors are developed from annual forward trend and leveraging. A trend factor of 1.00 corresponds to a policy period that begins January 1, 2018. Exhibit E-1 illustrates the development of the Market Adjusted Index Rate. The market-wide adjustment for Risk Adjustment was discussed, previously. The risk adjustment on is displayed on a paid-basis and the exchange user fee is estimated as a PMPM based on the target premium rate on Worksheet 1 of the URRT. These values have been have each been converted to percent of allowed claims in this Exhibit. Single Risk Pool Adjustment Factors: Change in Morbidity => The experience period data includes experience for community-rated policies issued to small employers in 2016 and medically underwritten policies renewed under the Transitional Policy. We considered the expected relationships between the morbidity of each of these populations and the likely population that will be covered by Small Group Single Risk Pool policies in 2018. Change in Demographics => Experience data was normalized for projected changes in the age/gender mix and area mix using internally-developed factors. Exhibits 5 and 6 contain detail on the calculations of the impact of demographic mix shifts.
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Change in Network => Included in ‘Change in Other’ below. Change in Benefits => Discussed in Section 1E above. Change in Other => The ‘Other’ adjustment includes, but is not limited to, the projected impact of changes in network composition, provider contracts, deductible suppression, and pooling. Paid-to-Allowed Ratio => The projected paid to allowed ratio is 84.5%. Paid to allowed ratios are based on 2016 experience that is adjusted for the impact of any plan benefit changes based on our internal pricing models and trend deductible-leveraging. Risk Adjustment – Projection Period => We used the projected Risk Adjustment Transfer amounts provided by the Pennsylvania Insurance Department on May 12, 2017, which incorporated carrier data as of May 1, 2017, to develop our initial projected risk adjustment transfer assumption.
In addition, the projected risk adjustment transfer includes changes that were outlined in the 2018 Notice of Benefit and Payment Parameters. The 2018 projected market average premium used in the payment transfer formula is also reduced by 14% to remove administrative cost. We subtracted from that Risk Adjustment transfer .5% of premiums for National High Risk pool funding, and added our anticipated High Risk Pool recoveries. High Risk Pool recoveries were estimated based on the average of member-level recoveries that we would have received under this program for 2014-2016 claims as a percent of premium, for Silver Off-Exchange plans. As a result, we project a risk adjustment payable, net of the 2018 user fee of $0.14 PBMPM. Reinsurance – Projection Period => There will be no reinsurance recoveries in 2018. Exchange User Fee => The EUF is not applicable for this filing. Projected Allowed non-EHB Claims PMPM => The products discussed in this filing provides coverage for only those benefits defined as Essential Health Benefits (EHB). B. Retention Items The retention portion of the projected premium is illustrated in Exhibit 10. The prospective general and administrative expenses are set to achieve the 80% MLR threshold requirement. Actual general and administrative expenses are based on historical corporate Small Group market expense levels, 2017 projections, and projected changes in expenses, inflation, and membership for 2018 for our National book of Small Group business. The commission expense factor covers anticipated sales and marketing expenses. Those may include, without limitation, purchase of television, internet and other advertising; payments of commissions and other incentive compensation to Company’s internal sales force; and payment of commissions to external brokers. The exact amounts and distribution among the categories of sales and marketing expenses will depend on a variety of factors including competitive conditions, business strategy, consumer behaviors, and legal and regulatory requirements. The consumer behaviors would capture whether they use a particular distribution channel, commissioned or not, as well as their experience. Federal taxes include PPACA Taxes and Fees are based on the Notice of Benefit and Payment Parameters for 2018, as well as Federal income tax and State Premium taxes. The risk adjustment user fee is applied to the projected risk adjustment transfer and therefore, excluded from the taxes and fees shown under
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non-benefit expenses. State premium taxes are estimated on most current known levels and include any known assessments. The profit and risk load is consistent with the target used in the initial pricing of our 2017 plans. C. Normalized Market-Adjusted Projected Allowed Total Claims The age factors are based on the HHS Default Standard Age curve. The factors are shown in Exhibit C-2. Exhibit C-2 demonstrates the determination of the Plan-Level Average Age Factor. Plan membership is based on issuer’s similar January 2017 plan membership and projected changes in the market. To Age-Calibrate the Plan-Adjusted Index Rates, We project a premium-weighted average age factor for the 2018 membership using the prescribed age curve and the projected age for each plan, as illustrated on exhibit C-2, The overall Age Calibration factor is developed in Column B of Exhibit C-1. This factor is based on the weighting of plan-adjusted index rate and membership weighted by each plan’s average age factor membership. The Age-Calibrated Plan Adjusted Index Rate is determined multiplying each Plan Adjusted Index Rate by the Plan-Level Average Age Factor and then dividing by the weighted over-all average age factor. The age that most closely corresponds to the premium weighted overall average age factor is the average age for the single risk pool. Exhibit C-2 summarizes the rating area definitions and factors, and displays the projected premium by area to develop the projected average area factor. The geographic calibration factor is the reciprocal of the projected average area factor, and is applied in column F of Exhibit C-1. Projected area factors are shown in Exhibits 6 and C-2. Unit cost trend studies were used to evaluate whether there were significant changes to network costs that would require changes from previously filed rating area factors. The rates in this filing do not differ based on tobacco usage. As such, no adjustment is needed to remove the impact of rating for tobacco. D. Components of Rate Change The overall change in the weighted average Calibrated Plan Adjusted Index Rate is 5.6%, as indicated in Table 8 row A. The components of this rate change are as follows:
• The change in normalized allowed claims is worth 7% • The change in allowable plan adjusted level components is worth 3% • The change in retention components is worth 4%
3. Plan Rate Development The following briefly describes how each set of adjustments was determined. Pricing AV / Benefit Richness: These adjustments are discussed in Section 2C above. Benefits in addition to EHBs: The products discussed in this filing provide coverage for only those benefits defined as Essential Health Benefits (EHB). The factor for the impact of benefits in addition to EHBs is a 1.00. Provider Network: This adjustment reflects the impact of differences in the network size, efficiency, and provider contract terms. We worked with our contracting area and other subject matter experts to review the impact of these differences and the expected impact on allowed claims.
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Catastrophic Eligibility: This filing does not include catastrophic plans. Tobacco Surcharge Adjustment: The rates in this filing do not differ based on tobacco usage. As such, no adjustment is needed to remove the impact of rating for tobacco. Admin Costs / Taxes & Fees / Profit or Contingency: These factors reflect the adjustment for projected administrative costs, including sales, marketing, and any commission expense, and profit & risk. These are discussed above in the Retention section. An AV Certification is included in this filing, titled PA_SG_64844_AVCert_Off_2018_v1.pdf. 4. Plan Premium Development for 21-Year-Old Non-Tobacco User The Calibrated Plan Adjusted Index Rates for 2017 and 2018 are shown in Columns Z and AA. The 2018 rates in Column AA differ from the Calibrated Plan Adjusted Index Rates on Exhibit E-2 for two reasons: (1) The CPAIR on Exhibit E-2 are 1/1/2018 rates while the rates in Column AA are average 2018 rates, and (2) our internal modeling incorporates the average trend to develop a Net Risk Adjustment factor as indicated on Exhibit E-1 to go from the Projected Index Rate to the Market Adjusted Index Rate. This is not accounted for in Table 5. 5. Plan Factors A. Age and Tobacco Factors The age factors are based on the HHS Default Standard Age curve. The rates in this filing do not differ based on tobacco usage. As such, no adjustment is needed for tobacco rating and factors of 1.0 have been entered. B. Geographic Factors The proposed geographic factors are the same as the current approved 2017 factors. C. Network Factors Only one network is included in this filing. D. Service Area Composition The Service Area composition for this rate filing is the same as the current approved 2017 rate filing. E. Composite Rating While PA allows composite rating, we are not offering this option at this time. However, the member level rates in this filing would not be impacted if we allow the composite rating option at a later time.
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6. Actuarial Certifications Reliance While I have reviewed the reasonableness of the assumptions and data in support of both the preparation of the Part I Unified Rate Review Template and the rate development applicable to the products discussed in this filing, I relied on the expertise of other Aetna employees, along with work products produced at their direction, for the following items:
• Risk Adjustment Transfer • Actuarial Value, Modifications, and Benefit Relativities • Supplemental EHB Pricing • Population Risk Morbidity • Medical Cost and Utilization Trend • Rx Cost and Utilization Trend • Components of Retention/Administrative Fees • Value of Network Arrangements • Experience Period Data – Small Group
Certification While this memorandum discusses both our development of rates for these products and the completion of the Part I Unified Rate Review Template (URRT), the Part I URRT does not demonstrate the process used by Aetna to develop the rates. Rather, it represents information required by Federal regulation to be provided in support of the review of rate increases, for certification of qualified health plans for Federally-facilitated marketplaces, and for certification that the index rate is developed in accordance with Federal regulation, is used consistently, and is only adjusted by the allowable modifiers. The information provided above is intended to comply with these requirements. I, ZZZZZZZZ am a Fellow of the Society of Actuaries, a member of the American Academy of Actuaries, and am qualified in the area of health insurance. I hereby certify that to the best of my knowledge and judgment:
1. This rate filing is in compliance with the applicable laws and regulations of Pennsylvania, the requirements under federal law and regulation, and all applicable Actuarial Standards of Practice, including but not limited to:
a. ASOP No. 5, Incurred Health and Disability Claims b. ASOP No. 8, Regulatory Filings for Health Benefits, Accident and Health Insurance, and
Entities Providing Health c. ASOP No. 12, Risk Classification d. ASOP No. 23, Data Quality e. ASOP No. 25, Credibility Procedures Applicable to Accident and Health, Group Term
Life, and Property/Casualty Coverages f. ASOP No. 26, Compliance with Statutory and Regulatory Requirements for the Actuarial
Certification of Small Employer Health Benefit Plans g. ASOP No. 41, Actuarial Communications h. ASOP No. 50, Determining Minimum Value and Actuarial Value under the Affordable
Care Act
2. The Projected Index Rate is:
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a. In compliance with all applicable State and Federal Statutes and Regulations (45 CFR 156.80(d)(1) and 147.102),
b. Developed in compliance with the applicable Actuarial Standards of Practice, c. Reasonable in relation to the benefits provided and the population anticipated to be
covered, d. Neither excessive, deficient, nor unfairly discriminatory.
3. The Index Rate and only the allowable modifiers as described in 45 CFR 156.80(d)(1) and 45
CFR 156.80(d)(2) were used to generate plan-level rates.
4. The percent of total premium that represents essential health benefits included in Worksheet 2, Sections III and IV were calculated in accordance with actuarial standards of practice.
5. The geographic rating factors reflect only differences in the costs of delivery (which include unit costs and provider practice pattern differences) and do not include differences for population morbidity by geographic area.
6. The AV Calculator was used to determine the AV Metal Values shown in Worksheet 2 of the Part I Unified Rate Review Template for all plans. Adjustments made to reflect benefit features not handled by the AV Calculator are discussed in the attached certification required by 45 CFR Part 156, §156.135.
September 5, 2017 __________________________________ ___________________ XXXXXXX, FSA, MAAA Date Aetna
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Actuarial Memorandum and Certification
General Information
Company Identifying Information:
Company Legal Name: Aetna Health, Inc. & Aetna Health Ins. Co.
Policy Form(s): HI SG HCOC-2018 02 & HO SG HCOC-2018 02
Form Filing Tracking Number: AETN-130908211 & AETN-130908220
Company Contact Information:
Name: xxxxxxxx
Telephone Number: xxxxxxxxxxx
Email Address: xxxxxxxxxxxxxxx
1. Purpose, Scope, and Effective Date
The purpose of this filing is to:
1) Provide support for the development of the Part I Unified Rate Review Template; 2) Provide support for the assumptions and premiums rate development for the products supported
by the policy forms referenced above;
3) Request approval of the proposed monthly premium rates; and
4) Provide benefit plan designs summaries for the products included in this filing.
The development of the rates reflects the impact of the market forces and rating requirements associated with the Patient Protection and Affordable Care Act (PPACA) and subsequent regulation.
These rates are for plans issued in Pennsylvania beginning January 1, 2018. The rates comply with all
rating guidelines under federal and state regulations. The filing covers plans that will be offered outside
the public Marketplace in Pennsylvania.
2. Proposed Rate Increase
This filing includes new benefit plans that will be marketed to Small Groups in Pennsylvania for coverage
effective beginning January 1, 2018.
3. Experience Period Premium and Claims
A. Paid Through Date:
The experience data reported in Worksheet 1, Section I of the Part I Unified Rate Review Template
reflects incurred claims from January 1, 2016 through December 31, 2016 and paid through February 28,
2017, for Aetna Health, Inc. (and AHIC) which now includes Health America PA (HAPA). Experience
for both community-rated ACA and transitional plans have been included.
B. Premiums (Net of MLR Rebate) in Experience Period:
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Experience period premiums are date-of-service premiums from our actuarial experience databases for
Small Group business in Pennsylvania. Our internal projections indicate that no MLR rebate is expected
to be paid in 2017 (for 2016 experience) for the Small Group MLR Pool in Pennsylvania. As such, no adjustment was made to premiums to account for expected rebates.
C. Allowed and Incurred Claims Incurred During the Experience Period:
Allowed and incurred claims are sourced from our actuarial experience databases. These databases
provide member-level detail on total allowed and incurred claims but do not include unit cost or utilization metrics. We allocate claims to cost categories and estimate the corresponding unit costs and
utilization metrics by using an alternate reporting system that calculates unit cost and utilization metrics
by medical cost category but only permits inclusion/exclusion of experience at the market and segment
levels. A reconciliation of aggregate data in our actuarial experience databases is performed to ensure
that data is consistent with the experience data contained in our enterprise-wide data warehouse.
Total incurred claims are developed by estimating the incurred but not paid (IBNP) reserves using
aggregate block of business paid claims. Paid claims are adjusted using the IBNP completion factors.
More specifically, historical claim payment patterns are used to predict the ultimate incurred claims for
each date-of-service month. The IBNP is estimated using actuarial principles and assumptions which
consider historical claim submission and adjudication patterns, unit cost and utilization trends, claim inventory levels, changes in membership and product mix, seasonality, and other relevant factors
including a review of large claims. This same process is used to develop IBNP estimates for allowed
claims.
4. Benefit Categories Our internal systems assign claims to several benefit categories. We have mapped these categories to the
categories described in the Unified Rate Review Instructions released in March, 2017. Inpatient Hospital
consists of care delivered at an inpatient facility and associated expenses, including day-based mental
health services. Outpatient Hospital includes outpatient surgical, outpatient mental health, and emergency
care and associated expenses. Professional includes both specialty physician and primary care physician
expenses, including office-based mental health services. Other includes dental, home health care, medical pharmacy expenses, laboratory expenses, and radiology expenses. Non-capitated ambulance is included
in the Outpatient Hospital category when billed by the facility and included in Specialist Physician
otherwise. Prescription Drug includes drugs dispensed by a pharmacy.
The utilization for these services are counted by service type, and aggregated for each benefit category. Inpatient Hospital utilization is counted as days; Outpatient Hospital, Professional, and Other Medical
utilization are counted as visits. Prescription Drug utilization is counted per script.
5. Projection Factors
A. Changes in the Morbidity of the Population Insured:
The experience period data includes experience for:
Community-rated policies issued to small employers in 2016
Medically underwritten policies renewed under the Transitional Policy.
We considered the expected relationships between the morbidity of each of these populations and the
likely population that will be covered by Small Group Single Risk Pool policies in 2018.
B. Changes in Benefits:
The products included in this filing include benefits necessary to comply with the Essential Health
Benefit requirements. The experience data includes experience for both Single Risk Pool products that
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have essentially identical benefits and coverage issued outside the Single Risk Pool which does not cover
all EHBs. The projection factor reflects the pro-rated impact of these additional benefits, as well as any
changes in 2017 State Benchmark EHBs, and newly mandated benefits.
The change in projected utilization due to changes in benefits is also considered. As cost sharing
decreases (measured by increasing Actuarial Value), utilization increases. This pattern is reflected in the
factors that are built into the federal risk adjustment mechanism that started in 2014. The federal risk
adjustment program factors and other proprietary models were considered in the development of the utilization change. The average cost sharing in the experience period was compared with the average cost
sharing in the projection period. From the average cost sharing change, an expected utilization change
was derived.
C. Changes in Demographics:
Experience data was normalized for projected changes in the age/gender mix and area mix using internally-developed factors. Exhibits 5 and 6 contain detail on the calculations of the impact of
demographic mix shifts.
D. Other Adjustments:
The ‘Other’ adjustment includes the projected impact of changes in network composition and provider contracts.
E. Trend Factors (Cost/Utilization):
Medical trend factors are based on our Medical Economics Unit’s local trend and network experience,
based on analysis of a continuous normalized population, excluding catastrophic claims. Allowed medical trend includes known and anticipated changes in provider contrac t rates, severity and medical
technology impacts, and expected changes in utilization. The impact of benefit leveraging is accounted
for separately in the projected paid to allowed ratio.
Pharmacy trends are based on national commercial group Rx trend analysis. Pharmacy trend considers
the impact of formulary changes, patent expirations, new drugs, other general market share shifts, and overall utilization trend. Pharmacy Trend is expressed in terms of allowed trend less rebates.
Exhibit 8 shows the anticipated annual trend from the experience period to the rating period.
6. Credibility Manual Rate Development A. Source and Appropriateness of Experience Data Used:
The source data for our manual rate is the experience incurred from January 1, 2016 to December 31,
2016 and paid through February, 2017 for Aetna and Coventry community-rated policies in the
Pennsylvania Small Group (HMO / PPO) market. The Small Group market experience is considered an
appropriate source for the manual rate.
B. Adjustments Made to the Data:
The Small Group experience used as the basis for the manual rate was adjusted in a similar manner as the
base period experience for changes in population risk morbidity, benefits, and demographic and area
normalizations. The data is further adjusted for projected changes in network, provider contract rates, and
claims adjudication, in addition to unit cost and utilization trend, as discussed in the previously referenced exhibits.
C. Inclusion of Capitation Payments:
No adjustments to the experience period data have been made for capitation arrangements because we
expect little to no capitation services to be provided in 2018.
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7. Credibility of Experience
No credibility is assigned to the experience data. This is due to the use of alternative experience data that more accurately captures the essential characteristics of the market for which we are developing rates.
8. Paid-to-Allowed Ratio
The projected paid to allowed ratio is 84.5%. Paid to allowed ratios are based on 2016 experience that is
adjusted for the impact of any plan benefit changes based on our internal pricing models and trend deductible-leveraging.
9. Reinsurance and Risk Adjustment
A. Reinsurance – Experience Period
Transitional Reinsurance recoveries do not apply to Small Group business. The experience period data
reflects the Reinsurance Contribution of $2.25 PMPM assessed during 2016.
B. Risk Adjustment – Experience Period
Risk Adjustment transfer is accrued at the issuer and market level based on 2016 Wakely data and our
internal projections of how our risk relative to market has changed since that report was issued. The
transfer is allocated to the member-level based by applying the HHS risk transfer calculation to each member relative to the imputed market-average, such that members with higher resulting relative transfers
scores may have a receivable and members with lower resulting scores may have a payable, regardless of
the net market risk transfer result. The resulting member transfers are summed to the HIOS plan level
and adjusted for 2016 Risk Adjustment fees of $0.15 PMPM in Worksheet 2.
C. Risk Adjustment – Projection Period
We used the projected Risk Adjustment Transfer amounts provided by the Pennsylvania Insurance
Department on May 12, 2017, which incorporated carrier data as of May 1, 2017, to develop our initial
projected risk adjustment transfer assumption.
In addition, the projected risk adjustment transfer includes changes that were outlined in the 2018 Notice of Benefit and Payment Parameters. The 2018 projected market average premium used in the payment
transfer formula is also reduced by 14% to remove administrative cost. We subtracted from that Risk
Adjustment transfer .5% of premiums for National High Risk pool funding, and added our anticipated
High Risk Pool recoveries. High Risk Pool recoveries were estimated based on the average of member-
level recoveries that we would have received under this program for 2014-2016 claims as a percent of premium, for Silver Off-Exchange plans.
As a result, we project a risk adjustment payable, net of the 2018 user fee of $0.14 PBMPM.
10. Non-Benefit Expenses and Profit & Risk The retention portion of the projected premium is illustrated in Exhibit 10.
The prospective general and administrative expenses are set to achieve the 80% MLR threshold
requirement. Actual general and administrative expenses are based on historical corporate Small Group
market expense levels, 2017 projections, and projected changes in expenses, inflation, and membership
for 2018 for our National book of Small Group business. The commission expense factor covers anticipated sales and marketing expenses. Those may include, without limitation, purchase of television,
internet and other advertising; payments of commissions and other incentive compensation to Company’s
internal sales force; and payment of commissions to external brokers. The exact amounts and distribution
among the categories of sales and marketing expenses will depend on a variety of factors including
competitive conditions, business strategy, consumer behaviors, and legal and regulatory requirements.
5
The consumer behaviors would capture whether they use a particular distribution channel, commissioned
or not, as well as their experience.
Federal taxes include PPACA Taxes and Fees are based on the Notice of Benefit and Payment Parameters
for 2018, as well as Federal income tax and State Premium taxes. The risk adjustment user fee, as
previously mentioned in Section 9, is applied to the projected risk adjustment transfer and therefore,
excluded from the taxes and fees shown under non-benefit expenses. State premium taxes are estimated on most current known levels and include any known assessments.
The profit and risk load is consistent with the target used in the initial pricing of our 2017 plans.
11. Projected Loss Ratio The expected 2018 MLR for this filing, as defined by PPACA and before any credibility adjustment, is
shown in Exhibit 11.
12. Single Risk Pool
The plans and rates included in the Part I URRT are those for all plans we intend to offer in the Small Group market in Pennsylvania through Aetna Health, Inc. and Aetna Health Ins. Co. The proposed rates
comply with the Single Risk Pool requirements of 45 CFR §156.80(d). Rates for plans that may be
renewed outside the Single Risk Pool (due to either being grandfathered or permissible transitional
offerings) are not covered in this filing.
13. Index Rate The index rates for the experience and projection periods are set equal to the actual and projected allowed
claims, respectively.
The index rate reflects the projected mix of business by plan. The AV pricing values for each plan are
based on our internal company modeling of plan cost-sharing designs, the plan’s provider network, delivery system characteristics, and utilization management practices, the impacts (as applicable) of
benefits in addition to EHBs and catastrophic eligibility criteria, and the distribution and administrative
costs applicable to the plan/product. Rates do not differ for any characteristic other than those allowable
under the regulations as described in 45 CFR 156 §156.80(d)(2).
Small Group Market Trend Adjustments: Exhibit 12 illustrates the quarterly trend factors, the
resulting index rate for effective dates during each calendar quarter, the projected membership
distribution by effective date, and the weighted-average index rate. Trend factors are developed from
annual forward trend and leveraging. A trend factor of 1.00 corresponds to a policy period that begins
January 1, 2018.
14. Market-Adjusted Index Rate
Exhibit E-1 illustrates the development of the Market Adjusted Index Rate. The market-wide adjustment
for Risk Adjustment was discussed, previously. The risk adjustment on is displayed on a paid-basis and the exchange user fee is estimated as a PMPM based on the target premium rate on Worksheet 1 of the
URRT. These values have been have each been converted to percent of allowed claims in this Exhibit.
15. Plan-Adjusted Index Rates
Exhibit E-2 illustrates the development of the Plan Adjusted Index Rates, and displays each plan-specific
adjustment made to the Market Adjusted Index Rate. The 2018 Plan Adjusted Index Rates are displayed in Column 7. The following briefly describes how each set of adjustments was determined.
A. Actuarial Value, Cost Sharing:
6
The factors in Column 2 are the product of two separate adjustments:
1. We used internal models developed on large group claims experience to estimate the impact of
different cost sharing designs. The combination of these two analyses is a projection of the relative paid to allowed ratio which also reflects the impact of out of network coverage.
2. We applied an adjustment for the impact different levels of cost sharing have on the use of
medical services, which is based in part on the induced utilization factors used in the Risk
Adjustment program. These adjustments are first normalized to result in an aggregate factor of
1.0 when applied to the projected 2018 membership.
B. Distribution and Administrative Costs:
Exhibit E-2, Column 3, reflects the adjustment for projected administrative costs, including any sales,
marketing, and profit & risk. These are discussed above in the ‘Non-Benefit Expenses and Profit & Risk’
section, and exclude the Risk Adjustment User Fee, and Exchange User Fee, which are reflected in the
Market-Adjusted Index Rate. These expense and profit assumptions do not vary by plan.
C. Provider Network, Delivery System, and Utilization Management:
The factors in Column 4 reflect the impact of differences in the network size, efficiency, and provider
contract terms. We worked with our contracting area and other subject matter experts to review the
impact of these differences and the expected impact on allowed claims.
D. Benefits in addition to EHBs:
The factors in Column 5 adjust for the impact of benefits in addition to EHBs. The products discussed in
this filing provide coverage for only those benefits defined as Essential Health Benefits (EHB). Hence,
all factors in Column 5 are 1.00.
E. Catastrophic Plan Eligibility:
This filing does not include catastrophic plans.
16. Calibration
Exhibit C-1 shows an example of how calibration is applied to all plan adjusted index rates.
A. Age Curve Calibration:
The age factors are based on the HHS Default Standard Age curve. The factors are shown in Exhibit C-2.
Exhibit C-2 demonstrates the determination of the Plan-Level Average Age Factor. Plan membership is
based on issuer’s similar January 2017 plan membership and projected changes in the market.
To Age-Calibrate the Plan-Adjusted Index Rates, We project a premium-weighted average age factor for
the 2018 membership using the prescribed age curve and the projected age for each plan, as illustrated on
exhibit C-2, The overall Age Calibration factor is developed in Column B of Exhibit C-1. This factor is
based on the weighting of plan-adjusted index rate and membership weighted by each plan’s average age factor membership. The Age-Calibrated Plan Adjusted Index Rate is determined multiplying each Plan
Adjusted Index Rate by the Plan-Level Average Age Factor and then dividing by the weighted over-all
average age factor.
The age that most closely corresponds to the premium weighted overall average age factor is the average
age for the single risk pool.
B. Geographic Factor Calibration:
Exhibit C-2 summarizes the rating area definitions and factors, and displays the projected premium by
area to develop the projected average area factor. The geographic calibration factor is the reciprocal of the
projected average area factor, and is applied in column F of Exhibit C-1. Projected area factors are shown
7
in Exhibits 6 and C-2. Unit cost trend studies were used to evaluate whether there were significant
changes to network costs that would require changes from previously filed rating area factors.
C. Small Group Premium Rates:
The development of the average projected trend factor is discussed above.
17. Consumer-Adjusted Premium Rate Development
Rates are determined using the prescribed member build-up approach. In the event that a family includes more than three child dependents under age 21, only the three oldest child dependents will be considered
in determining the family’s premium. Additional child dependents (non-billable members) will not be
included in the rate calculation.
The premium for each billable member is calculated as:
Calibrated Plan Adjusted Index Rate * Age Factor * Area Factor * Trend Factor
The resulting rate is rounded to the nearest cent, and rates are then summed for all billable family
members.
An example of a contract’s premium determined by the member build-up calculation for a family of six, with more than three dependents under age 21, is shown in Exhibit 14.
18. Composite Premiums
Small employers will not be able to elect to have rates set using a composite approach as permitted by
Pennsylvania.
19. AV Metal Values
The AV Metal Values on Worksheet 2 were based on the AV 2018 Calculator. As applicable, entries
were modified to reflect the plan appropriately and/or adjustments were made for plan design features that
could not be entered in the calculator per 45 CFR Part 156, §156.135. The accompanying certification
discusses how the benefits were modified to fit the parameters and the development of any adjustments. The AV screen shots provide detail on the modified entries and adjustments to AV, as applicable.
20. AV Pricing Values
The AV Pricing Values are calculated as the ratio of the Plan Adjusted Index Rate to the Market Adjusted
Index Rate. The adjustments reflected in the AV Pricing Values are discussed in Section 15. AV Pricing Values do not differ based on morbidity differences or benefit selection anticipated within the Single Risk
Pool.
21. Membership Projections
Exhibit 15/C-2 summarizes the membership projections by plan. Membership projections are based on historical experience, enrollment in ACA-compliant plans through January 2017, and our expectations for
future sales as additional members move to these plans from grandfathered and transitional plans. (We
assume that total enrollment will be similar to our current enrollment.)
Terminated Plans and Products
Exhibit 16 provides a plan and product crosswalk from 2016 to 2018. The crosswalk includes the list of products that have experience in the single risk pool experience period, and products that were made
available in 2017 and 2018. Consistent with the URRT instructions, experience for non-single risk pool
terminated products is reported in aggregate under the terminated product with the largest membership in
the experience period.
8
22. Plan Type
All plans are consistent with the plan type indicated on Worksheet 2.
23. Warning Alerts
The Experience Period Plan Adjusted Index Rate on Worksheet 2 differs from the Experience Period
Premium PMPM on Worksheet 1 since 1) the Experience Period Premium reflects the actual enrollment
mix for all non -grandfathered business in the market in 2016 while the average Plan Adjusted Index Rate
reflects the projected (vs. actual) ACA mix for single risk pool experience and a zero rate for non-single risk pool experience , and 2) premiums reported on Worksheet 1 are net of estimated risk adjustment
transfers and MLR rebates while the Plan Adjusted Index Rates on Worksheet 2 do not consider the
impact of risk adjustment transfers or MLR rebates.
For the same reasons, the experience period Total Premium (TP) differs between Worksheets 1 and 2.
The Experience Period Incurred claims and Incurred Claims PMPM on Worksheet 2 adjust for the
impacts of Reinsurance and Risk Adjustment. The Incurred Claims on Worksheet 1 are not adjusted for the impact of Reinsurance and Risk Adjustment. The warning alerts on rows 68 and 73 of Worksheet 2
result from the different treatment of Reinsurance and Risk Adjustment on the two worksheets.
The Projected Plan Adjusted Index Rate on Worksheet 2 differs from the Gross Premium Average Rate
on Worksheet 1. This difference results from the value on Worksheet 1 being the rate that corresponds to
claims incurred in the 12 months starting January 1, 2017, while the average on Worksheet 2 is the
average rate for the market for coverage that begins between January 1, 2017 and December 31, 2017.
For the same reason, Total Premium (TP) differs between Worksheets 1 and 2.
24. Benefit Design This filing includes two Silver plans.
Please refer to the corresponding policy forms for detailed benefit language. Information on the cost-
sharing parameters of the covered benefit plans, including deductibles, copays, and Actuarial Values, is
summarized in the supporting exhibits. All benefit and cost sharing parameters comply with Pennsylvania benefit mandates and the requirements of PPACA, including preventive care benefits,
deductible limits, and Actuarial Value requirements.
25. Marketing
Plans will be available outside of the public Marketplace. These plans may be marketed in a variety of means, including HHS Plan Finder and our own website. In addition, members of our 2017 plans will be
mailed a discontinuance or renewal letter, in accordance with CMS guidelines. Marketing and
distribution approaches may change from time to time at management’s discretion.
26. Underwriting
Aetna will verify applicant eligibility for these plans based on any applicable age or geographic limitations.
27. Renewability
These policies are guaranteed renewable as required under §2703 of the Public Health Service Act.
28. Company Financial Condition
As of December 31, 2016, the capital and surplus held by Aetna Health, Inc. (PA) was approximately
$458 million. This amount is disclosed in page 3, line 33 of the Company’s statutory financial statement
dated December 31, 2016. The Company issues commercial and Medicare Advantage coverage in
9
various states for multiple business segments, including to large employer, small employer, and
individual purchasers.
Reliance
While I have reviewed the reasonableness of the assumptions and data in support of both the preparation
of the Part I Unified Rate Review Template and the rate development applicable to the products discussed in this filing, I relied on the expertise of other Aetna employees, along with work products produced at
their direction, for the following items:
Risk Adjustment Transfer
Actuarial Value, Modifications, and Benefit Relativities
Supplemental EHB Pricing
Population Risk Morbidity
Medical Cost and Utilization Trend
Rx Cost and Utilization Trend
Components of Retention/Administrative Fees
Value of Network Arrangements
Experience Period Data – Small Group
Certification
While this memorandum discusses both our development of rates for these products and the completion
of the Part I Unified Rate Review Template (URRT), the Part I URRT does not demonstrate the process used by Aetna to develop the rates. Rather, it represents information required by Federal regulation to be
provided in support of the review of rate increases, for certification of qualified health plans for
Federally-facilitated marketplaces, and for certification that the index rate is developed in accordance
with Federal regulation, is used consistently, and is only adjusted by the allowable modifiers. The
information provided above is intended to comply with these requirements.
I, xxxxxxxxx am a Fellow of the Society of Actuaries, a member of the American Academy of Actuaries,
and am qualified in the area of health insurance. I hereby certify that to the best of my knowledge and
judgment:
1. This rate filing is in compliance with the applicable laws and regulations of Pennsylvania, the
requirements under federal law and regulation, and all applicable Actuarial Standards of Practice,
including but not limited to:
a. ASOP No. 5, Incurred Health and Disability Claims b. ASOP No. 8, Regulatory Filings for Health Benefits, Accident and Health Insurance, and
Entities Providing Health c. ASOP No. 12, Risk Classification
d. ASOP No. 23, Data Quality
e. ASOP No. 25, Credibility Procedures Applicable to Accident and Health, Group Term
Life, and Property/Casualty Coverages f. ASOP No. 26, Compliance with Statutory and Regulatory Requirements for the Actuarial
Certification of Small Employer Health Benefit Plans
g. ASOP No. 41, Actuarial Communications
10
h. ASOP No. 50, Determining Minimum Value and Actuarial Value under the Affordable
Care Act
2. The Projected Index Rate is:
a. In compliance with all applicable State and Federal Statutes and Regulations (45 CFR
156.80(d)(1) and 147.102),
b. Developed in compliance with the applicable Actuarial Standards of Practice,
c. Reasonable in relation to the benefits provided and the population anticipated to becovered,
d. Neither excessive, deficient, nor unfairly discriminatory.
3. The Index Rate and only the allowable modifiers as described in 45 CFR 156.80(d)(1) and 45
CFR 156.80(d)(2) were used to generate plan-level rates.
4. The percent of total premium that represents essential health benefits included in Worksheet 2,
Sections III and IV were calculated in accordance with actuarial standards of practice.
5. The geographic rating factors reflect only differences in the costs of delivery (which include unit
costs and provider practice pattern differences) and do not include differences for population
morbidity by geographic area.
6. The AV Calculator was used to determine the AV Metal Values shown in Worksheet 2 of the Part
I Unified Rate Review Template for all plans. Adjustments made to reflect benefit features nothandled by the AV Calculator are discussed in the attached certification required by 45 CFR Part
Aetna Health, Inc. – Small Group Plans Rate request filing ID # AETN-131033648 & AETN-131033632 - This document is prepared by the insurance company submitting the rate filing as a consumer tool to help explain the rate filing. It is not intended to describe or include all factors or information considered in the review process. For more information, see the filing at http://www.insurance.pa.gov/Consumers/ACARelatedFilings/
Overview Initial requested average rate change: 11.0% Revised requested average rate change: 5.6% Range of requested rate change: -22.5% to 62.1% Effective date: January 1, 2018 People impacted: 4,733 Available in: Rating Areas 1-3 and 5-9, certain counties excluded Key information Jan. 2016-Dec. 2016 financial experience
Premiums $176M Claims $121M Administrative expenses $17M Taxes & fees $16M Company made (after taxes) $22M The company expects its annual medical costs to increase 4%.
Explanation of requested rate change Medical costs are going up, and we are changing our rates to reflect this increase. Medical costs go up for two reasons – providers raise their prices and members get more medical care. Rate increases differ by plan. The exact rate change depends on what benefit plan the group chooses, where the group is located, when the group’s contract renews, and the ages and family sizes of enrolling employees. Rates charged to employees also depend upon any change in the amount of premium paid by the employer.
How it plans to spend your premium This is how the insurance company plans to spend the premium it collects in 2018:
A B C D E F G H I J K L M N O P Q R S T U V W X YAc Unified Rate Review v4.2
Company Legal Name: Aetna Health Inc. (a PA corp.) State: PAHIOS Issuer ID: 64844 Market: Small GroupEffective Date of Rate Change(s): 01/01/2018
Market Level Calculations (Same for all Plans)
Section I: Experience period dataExperience Period: 01/01/2016 to 12/31/2016
Experience Period Aggregate Amount PMPM % of Prem
Premiums (net of MLR Rebate) in Experience Period: $176,287,025 $409.58 100.00%Incurred Claims in Experience Period $121,423,529 282.11 68.88%Allowed Claims: $149,025,851 346.24 84.54%Index Rate of Experience Period $346.24Experience Period Member Months 430,412
Section II: Allowed Claims, PMPM basisExperience Period Projection Period: 01/01/2018 to 12/31/2018 Mid-point to Mid-point, Experience to Projection: 24 months
on Actual Experience AllowedAdj't. from Experience to
Projection Period Projections, before credibility Adjustment Credibility Manual
Benefit CategoryUtilization
DescriptionUtilization per
1,000Average
Cost/Service PMPMPop'l risk Morbidity Other Cost Util
After Credibility Projected Period TotalsSection III: Projected Experience: Projected Allowed Claims PMPM (w/applied credibility if applicable) 0.00% 100.00% $504.39 $28,647,137
Paid to Allowed Average Factor in Projection Period 0.845Projected Incurred Claims, before ACA rein & Risk Adj't, PMPM $426.39 $24,217,158Projected Risk Adjustments PMPM -28.88 (1,640,096) Projected Incurred Claims, before reinsurance recoveries, net of rein prem, PMPM $455.27 $25,857,255Projected ACA reinsurance recoveries, net of rein prem, PMPM 0.00 0
% increase over Experience Period 35.95%% Increase, annualized: 16.60%
Projected Member Months 56,796
Information Not Releasable to the Public Unless Authorized by Law: This information has not been publically disclosed and may be privileged and confidential. It is for internal government use only and must not be disseminated, distributed, or copied to persons not authorized to receive the information. Unauthorized disclosure may result in prosecution to the full extent of the law.
Annualized Trend Factors
Product-Plan Data Collection
Company Legal Name: Aetna Health Inc. (a PA corp.) State: PAHIOS Issuer ID: 64844 Market: Small GroupEffective Date of Rate Change(s):
EHB Percent of TAC, [see instructions] 99.94% 99.77% 99.77% 99.77% 99.77% 99.77% 99.77% 99.77% 99.77% 100.00% 99.77% 99.77% 100.00% 99.77% 99.77% 99.77% 99.77% 99.77% 99.77% 99.77% 99.77% state mandated benefits portion of TAC that are other than EHB 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% Other benefits portion of TAC 0.06% 0.23% 0.23% 0.23% 0.23% 0.23% 0.23% 0.23% 0.23% 0.00% 0.23% 0.23% 0.00% 0.23% 0.23% 0.23% 0.23% 0.23% 0.23% 0.23% 0.23%
Allowed Claims which are not the issuer's obligation: $24,041,552 $1,038,743 $20,486 $5,964 $6,283 $308,099 $32,638 $1,038,743 $266 $2,403 $2,034 $1,049 $72,575 $16,585 $360 $4,938 $403,855 $9,801 $21,762 $5,249 $5,400Portion of above payable by HHS's funds on behalf of insured person, in dollars $0Portion of above payable by HHS on behalf of insured person, as % 0.00%
EHB Percent of TAC, [see instructions] 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% state mandated benefits portion of TAC that are other than EHB 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% Other benefits portion of TAC 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Allowed Claims which are not the issuer's obligation $2,955,803 $1,501,797 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
01/01/2018
POS64844PA006
0.00%12.12%34.27%
0.00%
Portion of above payable by HHS's funds on behalf of insured person, in dollars $0Portion of above payable by HHS on behalf of insured person, as % 0.00%
Net Amt of Rein $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 Net Amt of Risk Adj -$1,640,096 -$820,048 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0
PA Rate Template Part IData Relevant to the Rate Filing
Table 0. Identifying Information
Carrier Name: Aetna Health, Inc. / Aetna Health Insurance CompanyProduct(s): HMOMarket Segment: Small GroupRate Effective Date: 01/01/2018 to 12/31/2018Base Period Start Date 01/01/2016 to 12/31/2016Date of Most Recent Membership 02/01/2017
Table 1. Number of Members
Member-months Members Member-months
Experience PeriodCurrent Period
(as of 02-01-2017)Projected Rating Period
Average Age 35.84 34.55 34.55
Total 430,412 4,733 56,796 <18 83,599 1,058 12,701 18-24 46,499 461.39 5,537 25-29 35,025 394.44 4,733 30-34 33,973 393.51 4,722 35-39 32,992 377.42 4,529 40-44 24,800 295.89 3,551 45-49 47,731 487.04 5,844 50-54 44,963 423.63 5,084 55-59 44,462 415.02 4,980 60-63 26,404 275.64 3,308 64+ 9,966 151 1,807 *Tables 1, 2 and 4 must include data for all non-grandfathered business (ACA compliant and Transitional)
Total Prescription Drug Rebates* Total EHB Capitation Total Non-EHB Capitation Estimated Risk Adjustment Estimated Reinsurance Recoveries
$ 176,287,025.35 $ 118,721,303.21 $ 121,423,529.32 430,412 $ 29,447,161.40 $ 150,870,690.72 $ - $ (4,255,654.04) $ 2,410,814.20 $ - (3,217,032.75)$ -$ Experience Period Total Allowed EHB Claims + EHB Capitation PMPM (net of prescription drug rebates) 346.24$ Loss Ratio 69.09%*Express Prescription Drug Rebates as a negative number
Allowed Claims (Non-Capitated) Non-EHB portion of Allowed Claims
Total Prescription Drug Rebates* Total EHB Capitation Total Non-EHB Capitation Estimated Risk Adjustment Estimated Reinsurance Recoveries
$ 211,393,426.03 $ 178,799,354.59 $ 182,773,808.60 493,126 $ 31,980,622.07 $ 214,754,430.67 $ - $ (6,773,791.94) $ 2,385,291.00 $ - (4,298,601.77)$ -$ Experience Period Total Allowed EHB Claims + EHB Capitation PMPM (net of prescription drug rebates) 426.60$ Loss Ratio 86.14%*Express Prescription Drug Rebates as a negative number
Service CategoryInpatient HospitalOutpatient HospitalProfessionalOther Medical
$ 211,393,426.03 $ 31,854,433.08
Prescription DrugsTotal Annual Trend
Total Applied Trend Projection Factor
$ 115,666,123.20 $ 20,280,140.09
$ 251,775,467.96 $ 45,630,534.42
Months of Trend
PA Rate Template Part IIRate Development and ChangeCarrier Name: Aetna Health, Inc. / Aetna Health Insurance CompanyProduct(s): HMO
Market Segment: Small Group
Rate Effective Date: 01/01/2018
Table 5. Development of the Projected Index Rate, Market-Adjusted Index Rate, and Total Allowed Claims
Development of the Projected Index Rate Actual Experience Data
Manual Data
Total Allowed EHB Claims + EHB Capitation PMPM (net of prescription drug rebates) PMPM 346.24$ 426.60$ <- Actual Experience PMPM should be consistent with the Index Rate for Experience Period on URRT
Two year trend projection Factor 1.029 1.081
Unadjusted Projected Allowed EHB Claims PMPM 356.19$ 461.17$ For Informational Purposes only - No input required.Single Risk Pool Adjustment Factors
Change in Morbidity 1.194 1.093 <- See URRT Instructions Blended Base Period Unadjusted Claims before Normalization 426.60$ <- Index Rate of Experience Period on URRT Change in Other 0.983 1.001 Blended Earned Premium 211,393,426.03$ Change in Demographics 0.987 1.025 <- See URRT Instructions Blended Loss Ratio 86.14% Change in Network 0.999 0.979 <- See URRT Instructions
Change in Benefits 1.000 1.000 <- See URRT Instructions
Change in Other 0.997 0.997 <- See URRT Instructions
Total Adjusted Projected Allowed EHB Claims PMPM 418.12$ 504.38$
Credibidility Factors 0% 100% <- See InstructionsBlended Projected EHB Claims PMPM 504.38$ <- Projected Index Rate Development of the Market-Adjusted Index Rate and Total Allowed Claims
Adjusted Projected Allowed EHB Claims PMPM 504.38$ <- Index Rate for Projection Period on URRT - Individual or First Quarter Small Group Table 5A. Small Group Projected Index Rate with Quarterly TrendAdjusted Projected Allowed EHB Claims PMPM [will only populate for small group filings] 527.03$ <- Index Rate for Projection Period on URRT - Small Group Projected Paid to Allowed Ratio 0.845 <- Paid to Allowed Average Factor in Projection Period on URRT Effective Date 01/01/2018 04/01/2018 07/01/2018 10/01/2018 Total Single Risk PoolProjected Paid EHB Claims PMPM 445.53$ # of Member Months Renewing in Quarter 104,802 143,796 127,367 117,161 493,126 Market-wide Adjustments Adjusted Projected Allowed EHB Claims PMPM Q1 504.38$ 504.38$ 504.38$ 504.38$ 504.38$ Projected Risk Adjustment PMPM ($30.17) Months of Trend - 3 6 9 Projected Paid Exchange User Fees PMPM $0.00 Annual Trend 12.11% 12.11% 12.11% 12.11%
H. Sum of Components of Rate Change (should approximate the change shown in line A) 662.39$ 717.63$ 55.25$ 14%
PA Rate Template Part IIITable 10. Plan Rates
Age Calibration Factor 1.428Carrier Name: Aetna Health, Inc. / Aetna Health Insurance Company Geographic Calibration Factor 0.985Product(s): HMO Aggregate Calibration Factor 1.407Market Segment: Small GroupRate Effective Date: 01/01/2018Base Period Start Date 01/01/2016Date of Most Recent Membership 02/01/2017Market Adjusted Index Rate 562.72$
Aetna Health, Inc. / Aetna Health Insurance CompanySmall Group
Plan Design Summary
RATE PAGES
Page Number: 2 12/24/2014
Company Name: Aetna Health, Inc. / Aetna Health Insurance CompanyMarket: Small GroupProduct: HMO, QPOSEffective Date of Rates: Ending date of Rates: 31-Mar-18
HIOS Plan ID (On Exchange)=>HIOS Plan ID (Off Exchange)=>
Aetna Health, Inc. / Aetna Health Insurance CompanySmall Group
Plan Design Summary
RATE PAGES
Page Number: 2 12/24/2014
Company Name: Aetna Health, Inc. / Aetna Health Insurance CompanyMarket: Small GroupProduct: HMO, QPOSEffective Date of Rates: Ending date of Rates: 30-Jun-18
HIOS Plan ID (On Exchange)=>HIOS Plan ID (Off Exchange)=>
Aetna Health, Inc. / Aetna Health Insurance CompanySmall Group
Plan Design Summary
RATE PAGES
Page Number: 2 12/24/2014
Company Name: Aetna Health, Inc. / Aetna Health Insurance CompanyMarket: Small GroupProduct: HMO, QPOSEffective Date of Rates: Ending date of Rates: 30-Sep-18
HIOS Plan ID (On Exchange)=>HIOS Plan ID (Off Exchange)=>
Aetna Health, Inc. / Aetna Health Insurance CompanySmall Group
Plan Design Summary
RATE PAGES
Page Number: 2 12/24/2014
Company Name: Aetna Health, Inc. / Aetna Health Insurance CompanyMarket: Small GroupProduct: HMO, QPOSEffective Date of Rates: Ending date of Rates: 31-Dec-18
HIOS Plan ID (On Exchange)=>HIOS Plan ID (Off Exchange)=>
\\winp-sfs-003\winasmma\External_RO\PAWVDE\PA\SG\2018\ACA\201801\Objections\Public PDF 9-20-2017\AHI-AHIC\AHI-AHIC 4Q18 Rate Tables.xlsx
Company Name Aetna Health, Inc. / Aetna Health Insurance CompanyMarket Small GroupRATES FOR AGE 21, NON-TOBACCO USER, BY RATING AREA AND COUNTY
RATING AREA 1 RATING AREA 2 RATING AREA 3 RATING AREA 4 RATING AREA 5 RATING AREA 6 RATING AREA 7 RATING AREA 8 RATING AREA 9
HIOS Plan ID Plan Marketing Name Product Metal On/Off Exchange Crawford Clarion Erie Forest Mckean Mercer Venango Warren Elk Cameron Potter Bradford Carbon Clinton Lackawanna Luzerne Lycoming Monroe Pike Sullivan Susquehanna Tioga Wayne Wyoming Allegheny Armstrong Beaver Butler Fayette Greene Indiana Lawrence Washington Westmoreland Bedford Blair Clearfield Cambria Huntingdon Jefferson Somerset Centre Columbia Lehigh Mifflin Montour Northampton Northumberland Schuylkill Snyder Union Adams Berks Lancaster York Bucks Chester Delaware Montogomery Philadelphia Cumberland Dauphin Franklin Fulton Juniata Lebanon Perry64844PA0060126 PA Silver QPOS 5000 80/50 QPOS Silver Off 341.88 341.88 341.88 341.88 344.83 344.83 344.83 434.71 434.71 434.71 434.71 434.71 434.71 434.71 434.71 434.71 434.71 434.71 434.71 434.71 339.68 339.68 339.68 339.68 339.68 428.09 428.09 428.09 428.09 428.09 428.09 428.09 428.09 428.09 428.09 428.44 428.44 428.44 428.44 435.5 435.5 435.5 435.5 435.5 406.42 406.42 406.42 406.42 406.42 406.42 406.4264844PA0070142 PA Silver HMO 5000 80% HMO Silver Off 334.83 334.83 334.83 334.83 337.72 337.72 337.72 425.74 425.74 425.74 425.74 425.74 425.74 425.74 425.74 425.74 425.74 425.74 425.74 425.74 332.68 332.68 332.68 332.68 332.68 419.26 419.26 419.26 419.26 419.26 419.26 419.26 419.26 419.26 419.26 419.61 419.61 419.61 419.61 426.52 426.52 426.52 426.52 426.52 398.04 398.04 398.04 398.04 398.04 398.04 398.04
2018 Rates Table Template v7.1 All fields with an asterisk ( * ) are required. To validate press Validate button or Ctrl + Shift + I. To finalize, press Finalize button or Ctrl + Shift + F.
If macros are disabled, press and hold the ALT key and press If you are in a community rating state, select Family-Tier Rates under Rating Method and fill in all columns.If you are not in a community rating state, select Age-Based Rates under Rating Method and provide an Individual Rate for every age band.If Tobacco is Tobacco User/Non-Tobacco User, you must give a rate for Tobacco Use and Non-Tobacco Use.To add a new sheet, press the Add Sheet button, or Ctrl + Shift + H. All plans must have the same dates on a sheet.
Plan ID* Rating Area ID* Tobacco* Age* Individual Rate* Individual Tobacco Rate*
Required:Enter the 14-character Plan ID
Required:Select the Rating Area ID
Required:Select if Tobacco use of subscriber is used to
determine if a person is eligible for a rate from a plan
Required:Select the age of a subscriber eligible for the
rate
Required:Enter the rate of an Individual Non-Tobacco or
No Preference enrollee on a plan
Required:Enter the rate of an Individual tobacco enrollee
on a plan
64844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 0-14 230.64 230.6464844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 15 230.64 230.6464844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 16 269.55 269.5564844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 17 277.71 277.7164844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 18 286.49 286.4964844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 19 295.28 295.2864844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 20 304.38 304.3864844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 21 313.79 313.7964844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 22 313.79 313.7964844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 23 313.79 313.7964844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 24 313.79 313.7964844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 25 315.05 315.0564844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 26 321.32 321.3264844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 27 328.86 328.8664844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 28 341.09 341.0964844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 29 351.14 351.1464844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 30 356.16 356.1664844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 31 363.69 363.6964844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 32 371.22 371.2264844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 33 375.92 375.9264844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 34 380.95 380.9564844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 35 383.46 383.4664844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 36 385.97 385.9764844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 37 388.48 388.4864844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 38 390.99 390.9964844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 39 396.01 396.0164844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 40 401.03 401.0364844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 41 408.56 408.5664844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 42 415.78 415.7864844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 43 425.82 425.8264844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 44 438.37 438.3764844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 45 453.12 453.1264844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 46 470.69 470.6964844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 47 490.46 490.4664844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 48 513.05 513.0564844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 49 535.33 535.3364844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 50 560.44 560.4464844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 51 585.23 585.2364844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 52 612.53 612.5364844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 53 640.14 640.1464844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 54 669.95 669.9564844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 55 699.76 699.7664844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 56 732.08 732.0864844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 57 764.72 764.7264844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 58 799.55 799.5564844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 59 816.81 816.8164844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 60 851.64 851.6464844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 61 881.76 881.7664844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 62 901.53 901.5364844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 63 926.32 926.3264844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 64 and over 941.07 941.0764844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 0-14 232.63 232.6364844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 15 232.63 232.6364844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 16 271.88 271.8864844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 17 280.11 280.1164844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 18 288.97 288.9764844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 19 297.84 297.8464844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 20 307.01 307.0164844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 21 316.51 316.5164844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 22 316.51 316.5164844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 23 316.51 316.5164844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 24 316.51 316.5164844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 25 317.78 317.7864844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 26 324.11 324.1164844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 27 331.70 331.7064844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 28 344.05 344.0564844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 29 354.17 354.1764844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 30 359.24 359.2464844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 31 366.83 366.8364844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 32 374.43 374.4364844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 33 379.18 379.1864844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 34 384.24 384.2464844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 35 386.77 386.77
64844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 36 389.31 389.3164844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 37 391.84 391.8464844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 38 394.37 394.3764844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 39 399.43 399.4364844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 40 404.50 404.5064844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 41 412.09 412.0964844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 42 419.37 419.3764844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 43 429.50 429.5064844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 44 442.16 442.1664844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 45 457.04 457.0464844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 46 474.76 474.7664844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 47 494.70 494.7064844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 48 517.49 517.4964844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 49 539.96 539.9664844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 50 565.29 565.2964844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 51 590.29 590.2964844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 52 617.83 617.8364844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 53 645.68 645.6864844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 54 675.75 675.7564844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 55 705.82 705.8264844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 56 738.42 738.4264844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 57 771.33 771.3364844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 58 806.47 806.4764844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 59 823.87 823.8764844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 60 859.01 859.0164844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 61 889.39 889.3964844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 62 909.33 909.3364844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 63 934.33 934.3364844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 64 and over 949.21 949.2164844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 0-14 293.26 293.2664844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 15 293.26 293.2664844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 16 342.74 342.7464844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 17 353.11 353.1164844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 18 364.29 364.2964844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 19 375.46 375.4664844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 20 387.03 387.0364844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 21 399.00 399.0064844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 22 399.00 399.0064844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 23 399.00 399.0064844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 24 399.00 399.0064844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 25 400.60 400.6064844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 26 408.58 408.5864844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 27 418.15 418.1564844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 28 433.71 433.7164844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 29 446.48 446.4864844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 30 452.86 452.8664844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 31 462.44 462.4464844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 32 472.02 472.0264844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 33 478.00 478.0064844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 34 484.39 484.3964844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 35 487.58 487.5864844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 36 490.77 490.7764844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 37 493.96 493.9664844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 38 497.15 497.1564844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 39 503.54 503.5464844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 40 509.92 509.9264844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 41 519.50 519.5064844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 42 528.67 528.6764844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 43 541.44 541.4464844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 44 557.40 557.4064844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 45 576.16 576.1664844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 46 598.50 598.5064844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 47 623.64 623.6464844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 48 652.36 652.3664844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 49 680.69 680.6964844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 50 712.61 712.6164844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 51 744.13 744.1364844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 52 778.85 778.8564844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 53 813.96 813.9664844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 54 851.86 851.8664844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 55 889.77 889.7764844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 56 930.87 930.8764844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 57 972.36 972.3664844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 58 1016.65 1016.6564844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 59 1038.60 1038.6064844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 60 1082.89 1082.8964844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 61 1121.19 1121.1964844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 62 1146.33 1146.3364844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 63 1177.85 1177.8564844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 64 and over 1196.60 1196.6064844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 0-14 238.03 238.0364844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 15 238.03 238.0364844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 16 278.19 278.1964844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 17 286.61 286.6164844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 18 295.68 295.6864844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 19 304.75 304.7564844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 20 314.14 314.1464844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 21 323.86 323.8664844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 22 323.86 323.8664844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 23 323.86 323.8664844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 24 323.86 323.8664844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 25 325.15 325.1564844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 26 331.63 331.63
64844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 27 339.40 339.4064844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 28 352.03 352.0364844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 29 362.39 362.3964844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 30 367.58 367.5864844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 31 375.35 375.3564844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 32 383.12 383.1264844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 33 387.98 387.9864844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 34 393.16 393.1664844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 35 395.75 395.7564844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 36 398.34 398.3464844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 37 400.93 400.9364844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 38 403.52 403.5264844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 39 408.71 408.7164844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 40 413.89 413.8964844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 41 421.66 421.6664844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 42 429.11 429.1164844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 43 439.47 439.4764844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 44 452.43 452.4364844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 45 467.65 467.6564844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 46 485.78 485.7864844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 47 506.19 506.1964844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 48 529.50 529.5064844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 49 552.50 552.5064844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 50 578.41 578.4164844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 51 603.99 603.9964844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 52 632.17 632.1764844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 53 660.67 660.6764844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 54 691.43 691.4364844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 55 722.20 722.2064844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 56 755.56 755.5664844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 57 789.24 789.2464844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 58 825.19 825.1964844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 59 843.00 843.0064844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 60 878.95 878.9564844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 61 910.04 910.0464844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 62 930.44 930.4464844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 63 956.02 956.0264844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 64 and over 971.24 971.24
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 0-14229.16 229.16
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 15229.16 229.16
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 16267.82 267.82
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 17275.93 275.93
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 18284.66 284.66
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 19293.38 293.38
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 20302.43 302.43
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 21311.78 311.78
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 22311.78 311.78
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 23311.78 311.78
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 24311.78 311.78
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 25313.03 313.03
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 26319.26 319.26
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 27326.75 326.75
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 28338.90 338.90
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 29348.88 348.88
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 30353.87 353.87
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 31361.35 361.35
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 32368.84 368.84
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 33373.51 373.51
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 34378.50 378.50
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 35381.00 381.00
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 36383.49 383.49
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 37385.98 385.98
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 38388.48 388.48
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 39393.47 393.47
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 40398.45 398.45
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 41405.94 405.94
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 42413.11 413.11
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 43423.09 423.09
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 44435.56 435.56
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 45450.21 450.21
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 46467.67 467.67
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 47487.31 487.31
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 48509.76 509.76
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 49531.90 531.90
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 50556.84 556.84
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 51581.47 581.47
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 52608.59 608.59
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 53636.03 636.03
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 54665.65 665.65
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 55695.27 695.27
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 56727.38 727.38
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 57759.81 759.81
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 58794.42 794.42
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 59811.56 811.56
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 60846.17 846.17
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 61876.10 876.10
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 62895.74 895.74
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 63920.37 920.37
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 64 and over935.03 935.03
64844PA0060126 Rating Area 6 Tobacco User/Non-Tobacco User 0-14288.80 288.80
64844PA0060126 Rating Area 6 Tobacco User/Non-Tobacco User 15288.80 288.80
64844PA0060126 Rating Area 6 Tobacco User/Non-Tobacco User 16337.53 337.53
64844PA0060126 Rating Area 6 Tobacco User/Non-Tobacco User 17347.74 347.74
64844PA0060126 Rating Area 6 Tobacco User/Non-Tobacco User 18358.74 358.74
64844PA0060126 Rating Area 6 Tobacco User/Non-Tobacco User 19369.75 369.75
64844PA0060126 Rating Area 6 Tobacco User/Non-Tobacco User 20381.14 381.14
64844PA0060126 Rating Area 6 Tobacco User/Non-Tobacco User 21392.93 392.93
64844PA0060126 Rating Area 6 Tobacco User/Non-Tobacco User 22392.93 392.93
64844PA0060126 Rating Area 6 Tobacco User/Non-Tobacco User 23392.93 392.93
64844PA0060126 Rating Area 6 Tobacco User/Non-Tobacco User 24392.93 392.93
64844PA0060126 Rating Area 6 Tobacco User/Non-Tobacco User 25394.50 394.50
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64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 16335.67 335.67
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 17345.83 345.83
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 18356.78 356.78
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 19367.72 367.72
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 20379.05 379.05
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 21390.77 390.77
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 22390.77 390.77
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 23390.77 390.77
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 24390.77 390.77
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64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 26400.15 400.15
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 27409.53 409.53
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 28424.77 424.77
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 29437.27 437.27
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 30443.53 443.53
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 31452.91 452.91
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 32462.28 462.28
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 33468.15 468.15
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64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 36480.65 480.65
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64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 40499.41 499.41
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64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 55871.42 871.42
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 56911.67 911.67
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64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 58995.69 995.69
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 591017.18 1017.18
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64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 621122.69 1122.69
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64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 16272.46 272.46
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 17280.70 280.70
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 18289.58 289.58
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 19298.46 298.46
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 20307.66 307.66
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 21317.18 317.18
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 22317.18 317.18
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 23317.18 317.18
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 24317.18 317.18
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 25318.45 318.45
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 26324.79 324.79
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 27332.40 332.40
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 28344.77 344.77
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64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 30360.00 360.00
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 31367.61 367.61
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64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 56739.98 739.98
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 57772.96 772.96
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64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 59825.62 825.62
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 60860.82 860.82
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 61891.27 891.27
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 62911.25 911.25
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64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 64 and over951.22 951.22
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64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 22305.35 305.35
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 23305.35 305.35
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 24305.35 305.35
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64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 33365.81 365.81
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64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 36375.58 375.58
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64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 38380.47 380.47
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 39385.35 385.35
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64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 41397.57 397.57
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 42404.59 404.59
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 43414.36 414.36
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64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 45440.93 440.93
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64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 48499.25 499.25
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64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 51569.48 569.48
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64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 54651.93 651.93
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 55680.93 680.93
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 56712.38 712.38
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 57744.14 744.14
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 58778.04 778.04
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 59794.83 794.83
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 60828.72 828.72
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 61858.04 858.04
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 62877.27 877.27
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 63901.40 901.40
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 64 and over915.75 915.75
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 0-14282.85 282.85
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 15282.85 282.85
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 16330.57 330.57
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 17340.57 340.57
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 18351.35 351.35
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 19362.12 362.12
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 20373.28 373.28
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 21384.83 384.83
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 22384.83 384.83
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 23384.83 384.83
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 24384.83 384.83
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 25386.37 386.37
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 26394.06 394.06
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 27403.30 403.30
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 28418.31 418.31
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 29430.62 430.62
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 30436.78 436.78
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 31446.01 446.01
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 32455.25 455.25
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 33461.02 461.02
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 34467.18 467.18
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 35470.26 470.26
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 36473.34 473.34
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 37476.41 476.41
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 38479.49 479.49
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 39485.65 485.65
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 40491.81 491.81
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 41501.04 501.04
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 42509.89 509.89
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 43522.21 522.21
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 44537.60 537.60
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 45555.69 555.69
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 46577.24 577.24
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 47601.48 601.48
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 48629.19 629.19
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 49656.51 656.51
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 50687.30 687.30
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 51717.70 717.70
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 52751.18 751.18
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 53785.05 785.05
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 54821.60 821.60
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 55858.16 858.16
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 56897.80 897.80
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 57937.82 937.82
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 58980.54 980.54
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 591001.70 1001.70
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 601044.42 1044.42
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 611081.36 1081.36
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 621105.61 1105.61
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 631136.01 1136.01
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 64 and over1154.09 1154.09
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 0-14283.08 283.08
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 15283.08 283.08
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 16330.84 330.84
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 17340.85 340.85
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 18351.63 351.63
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 19362.42 362.42
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 20373.59 373.59
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 21385.14 385.14
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 22385.14 385.14
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 23385.14 385.14
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 24385.14 385.14
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 25386.68 386.68
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 26394.38 394.38
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 27403.63 403.63
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 28418.65 418.65
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 29430.97 430.97
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 30437.14 437.14
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 31446.38 446.38
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 32455.62 455.62
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 33461.40 461.40
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 34467.56 467.56
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 35470.64 470.64
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 36473.72 473.72
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 37476.81 476.81
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 38479.89 479.89
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 39486.05 486.05
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 40492.21 492.21
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64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 44538.04 538.04
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 45556.14 556.14
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 46577.71 577.71
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 47601.98 601.98
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64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 49657.05 657.05
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64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 53785.69 785.69
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64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 55858.87 858.87
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 56898.54 898.54
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 57938.59 938.59
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64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 601045.27 1045.27
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 611082.25 1082.25
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 621106.51 1106.51
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 631136.94 1136.94
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 64 and over1155.04 1155.04
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64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 15287.74 287.74
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 16336.28 336.28
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 17346.46 346.46
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 18357.42 357.42
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 19368.39 368.39
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64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 22391.48 391.48
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 23391.48 391.48
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64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 26400.88 400.88
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 27410.27 410.27
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 28425.54 425.54
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 29438.07 438.07
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64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 31453.73 453.73
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 32463.12 463.12
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 33469.00 469.00
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 34475.26 475.26
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 35478.39 478.39
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 36481.52 481.52
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 37484.66 484.66
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 38487.79 487.79
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 39494.05 494.05
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 40500.32 500.32
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 41509.71 509.71
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 42518.72 518.72
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 43531.24 531.24
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 44546.90 546.90
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 45565.30 565.30
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 46587.22 587.22
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 47611.89 611.89
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 48640.07 640.07
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 49667.87 667.87
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 50699.19 699.19
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 51730.12 730.12
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 52764.18 764.18
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 53798.63 798.63
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 54835.82 835.82
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 55873.01 873.01
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 56913.33 913.33
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 57954.04 954.04
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 58997.50 997.50
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 591019.03 1019.03
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 601062.49 1062.49
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 611100.07 1100.07
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 621124.73 1124.73
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 631155.66 1155.66
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 64 and over1174.06 1174.06
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 0-14268.53 268.53
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 15268.53 268.53
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 16313.83 313.83
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 17323.33 323.33
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 18333.56 333.56
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 19343.79 343.79
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 20354.39 354.39
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 21365.35 365.35
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 22365.35 365.35
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 23365.35 365.35
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 24365.35 365.35
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 25366.81 366.81
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 26374.12 374.12
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 27382.89 382.89
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 28397.13 397.13
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 29408.82 408.82
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 30414.67 414.67
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 31423.44 423.44
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 32432.21 432.21
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 33437.69 437.69
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 34443.53 443.53
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 35446.46 446.46
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 36449.38 449.38
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 37452.30 452.30
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 38455.22 455.22
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 39461.07 461.07
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 40466.92 466.92
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 41475.68 475.68
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 42484.09 484.09
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 43495.78 495.78
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 44510.39 510.39
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 45527.56 527.56
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 46548.02 548.02
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 47571.04 571.04
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 48597.34 597.34
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 49623.28 623.28
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 50652.51 652.51
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 51681.37 681.37
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 52713.16 713.16
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 53745.31 745.31
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 54780.02 780.02
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 55814.73 814.73
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 56852.36 852.36
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 57890.35 890.35
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 58930.91 930.91
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 59951.00 951.00
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 60991.56 991.56
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 611026.63 1026.63
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 621049.65 1049.65
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 631078.51 1078.51
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 64 and over1095.68 1095.68
2018 Rates Table Template v7.1 All fields with an asterisk ( * ) are required. To validate press Validate button or Ctrl + Shift + I. To finalize, press Finalize button or Ctrl + Shift + F.
If macros are disabled, press and hold the ALT key and press If you are in a community rating state, select Family-Tier Rates under Rating Method and fill in all columns.If you are not in a community rating state, select Age-Based Rates under Rating Method and provide an Individual Rate for every age band.If Tobacco is Tobacco User/Non-Tobacco User, you must give a rate for Tobacco Use and Non-Tobacco Use.To add a new sheet, press the Add Sheet button, or Ctrl + Shift + H. All plans must have the same dates on a sheet.
Plan ID* Rating Area ID* Tobacco* Age* Individual Rate* Individual Tobacco Rate*
Required:Enter the 14-character Plan ID
Required:Select the Rating Area ID
Required:Select if Tobacco use of subscriber is used to
determine if a person is eligible for a rate from a plan
Required:Select the age of a subscriber eligible for the
rate
Required:Enter the rate of an Individual Non-Tobacco or
No Preference enrollee on a plan
Required:Enter the rate of an Individual tobacco enrollee
on a plan
64844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 0-14 237.32 237.3264844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 15 237.32 237.3264844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 16 277.36 277.3664844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 17 285.76 285.7664844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 18 294.80 294.8064844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 19 303.84 303.8464844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 20 313.20 313.2064844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 21 322.89 322.8964844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 22 322.89 322.8964844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 23 322.89 322.8964844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 24 322.89 322.8964844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 25 324.18 324.1864844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 26 330.64 330.6464844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 27 338.39 338.3964844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 28 350.98 350.9864844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 29 361.31 361.3164844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 30 366.48 366.4864844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 31 374.23 374.2364844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 32 381.98 381.9864844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 33 386.82 386.8264844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 34 391.99 391.9964844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 35 394.57 394.5764844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 36 397.15 397.1564844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 37 399.74 399.7464844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 38 402.32 402.3264844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 39 407.48 407.4864844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 40 412.65 412.6564844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 41 420.40 420.4064844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 42 427.83 427.8364844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 43 438.16 438.1664844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 44 451.07 451.0764844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 45 466.25 466.2564844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 46 484.33 484.3364844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 47 504.67 504.6764844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 48 527.92 527.9264844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 49 550.85 550.8564844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 50 576.68 576.6864844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 51 602.19 602.1964844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 52 630.28 630.2864844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 53 658.69 658.6964844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 54 689.37 689.3764844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 55 720.04 720.0464844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 56 753.30 753.3064844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 57 786.88 786.8864844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 58 822.72 822.7264844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 59 840.48 840.4864844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 60 876.32 876.3264844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 61 907.32 907.3264844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 62 927.66 927.6664844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 63 953.17 953.1764844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 64 and over 968.34 968.3464844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 0-14 239.38 239.3864844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 15 239.38 239.3864844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 16 279.76 279.7664844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 17 288.23 288.2364844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 18 297.35 297.3564844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 19 306.47 306.4764844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 20 315.91 315.9164844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 21 325.68 325.6864844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 22 325.68 325.6864844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 23 325.68 325.6864844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 24 325.68 325.6864844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 25 326.98 326.9864844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 26 333.50 333.5064844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 27 341.31 341.3164844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 28 354.02 354.0264844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 29 364.44 364.4464844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 30 369.65 369.6564844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 31 377.47 377.4764844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 32 385.28 385.2864844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 33 390.17 390.1764844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 34 395.38 395.3864844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 35 397.98 397.98
64844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 36 400.59 400.5964844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 37 403.19 403.1964844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 38 405.80 405.8064844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 39 411.01 411.0164844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 40 416.22 416.2264844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 41 424.04 424.0464844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 42 431.53 431.5364844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 43 441.95 441.9564844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 44 454.98 454.9864844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 45 470.28 470.2864844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 46 488.52 488.5264844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 47 509.04 509.0464844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 48 532.49 532.4964844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 49 555.61 555.6164844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 50 581.67 581.6764844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 51 607.40 607.4064844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 52 635.73 635.7364844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 53 664.39 664.3964844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 54 695.33 695.3364844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 55 726.27 726.2764844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 56 759.82 759.8264844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 57 793.69 793.6964844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 58 829.84 829.8464844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 59 847.75 847.7564844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 60 883.90 883.9064844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 61 915.17 915.1764844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 62 935.68 935.6864844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 63 961.41 961.4164844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 64 and over 976.72 976.7264844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 0-14 301.76 301.7664844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 15 301.76 301.7664844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 16 352.67 352.6764844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 17 363.35 363.3564844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 18 374.84 374.8464844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 19 386.34 386.3464844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 20 398.25 398.2564844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 21 410.56 410.5664844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 22 410.56 410.5664844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 23 410.56 410.5664844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 24 410.56 410.5664844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 25 412.21 412.2164844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 26 420.42 420.4264844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 27 430.27 430.2764844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 28 446.28 446.2864844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 29 459.42 459.4264844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 30 465.99 465.9964844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 31 475.84 475.8464844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 32 485.70 485.7064844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 33 491.86 491.8664844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 34 498.42 498.4264844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 35 501.71 501.7164844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 36 504.99 504.9964844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 37 508.28 508.2864844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 38 511.56 511.5664844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 39 518.13 518.1364844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 40 524.70 524.7064844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 41 534.55 534.5564844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 42 544.00 544.0064844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 43 557.13 557.1364844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 44 573.56 573.5664844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 45 592.85 592.8564844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 46 615.85 615.8564844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 47 641.71 641.7164844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 48 671.27 671.2764844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 49 700.42 700.4264844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 50 733.27 733.2764844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 51 765.70 765.7064844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 52 801.42 801.4264844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 53 837.55 837.5564844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 54 876.55 876.5564844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 55 915.56 915.5664844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 56 957.85 957.8564844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 57 1000.54 1000.5464844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 58 1046.12 1046.1264844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 59 1068.70 1068.7064844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 60 1114.27 1114.2764844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 61 1153.68 1153.6864844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 62 1179.55 1179.5564844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 63 1211.98 1211.9864844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 64 and over 1231.28 1231.2864844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 0-14 244.93 244.9364844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 15 244.93 244.9364844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 16 286.25 286.2564844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 17 294.92 294.9264844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 18 304.25 304.2564844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 19 313.58 313.5864844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 20 323.24 323.2464844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 21 333.24 333.2464844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 22 333.24 333.2464844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 23 333.24 333.2464844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 24 333.24 333.2464844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 25 334.57 334.5764844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 26 341.24 341.24
64844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 27 349.24 349.2464844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 28 362.23 362.2364844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 29 372.90 372.9064844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 30 378.23 378.2364844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 31 386.23 386.2364844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 32 394.23 394.2364844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 33 399.22 399.2264844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 34 404.56 404.5664844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 35 407.22 407.2264844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 36 409.89 409.8964844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 37 412.55 412.5564844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 38 415.22 415.2264844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 39 420.55 420.5564844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 40 425.88 425.8864844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 41 433.88 433.8864844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 42 441.55 441.5564844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 43 452.21 452.2164844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 44 465.54 465.5464844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 45 481.20 481.2064844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 46 499.86 499.8664844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 47 520.86 520.8664844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 48 544.85 544.8564844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 49 568.51 568.5164844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 50 595.17 595.1764844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 51 621.50 621.5064844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 52 650.49 650.4964844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 53 679.81 679.8164844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 54 711.47 711.4764844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 55 743.13 743.1364844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 56 777.45 777.4564844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 57 812.11 812.1164844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 58 849.10 849.1064844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 59 867.43 867.4364844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 60 904.42 904.4264844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 61 936.41 936.4164844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 62 957.40 957.4064844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 63 983.73 983.7364844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 64 and over 999.39 999.39
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 0-14235.80 235.80
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 15235.80 235.80
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 16275.58 275.58
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 17283.92 283.92
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 18292.90 292.90
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 19301.89 301.89
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 20311.19 311.19
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 21320.82 320.82
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 22320.82 320.82
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 23320.82 320.82
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 24320.82 320.82
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 25322.10 322.10
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 26328.52 328.52
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 27336.22 336.22
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 28348.73 348.73
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 29358.99 358.99
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 30364.13 364.13
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 31371.83 371.83
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 32379.53 379.53
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 33384.34 384.34
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 34389.47 389.47
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 35392.04 392.04
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 36394.60 394.60
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 37397.17 397.17
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 38399.74 399.74
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 39404.87 404.87
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 40410.00 410.00
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 41417.70 417.70
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 42425.08 425.08
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 43435.35 435.35
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 44448.18 448.18
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 45463.26 463.26
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 46481.22 481.22
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 47501.44 501.44
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 48524.53 524.53
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64844PA0070142 Rating Area 2 Tobacco User/Non-Tobacco User 38397.43 397.43
64844PA0070142 Rating Area 2 Tobacco User/Non-Tobacco User 39402.54 402.54
64844PA0070142 Rating Area 2 Tobacco User/Non-Tobacco User 40407.64 407.64
64844PA0070142 Rating Area 2 Tobacco User/Non-Tobacco User 41415.29 415.29
64844PA0070142 Rating Area 2 Tobacco User/Non-Tobacco User 42422.63 422.63
64844PA0070142 Rating Area 2 Tobacco User/Non-Tobacco User 43432.84 432.84
64844PA0070142 Rating Area 2 Tobacco User/Non-Tobacco User 44445.60 445.60
64844PA0070142 Rating Area 2 Tobacco User/Non-Tobacco User 45460.59 460.59
64844PA0070142 Rating Area 2 Tobacco User/Non-Tobacco User 46478.45 478.45
64844PA0070142 Rating Area 2 Tobacco User/Non-Tobacco User 47498.55 498.55
64844PA0070142 Rating Area 2 Tobacco User/Non-Tobacco User 48521.51 521.51
64844PA0070142 Rating Area 2 Tobacco User/Non-Tobacco User 49544.16 544.16
64844PA0070142 Rating Area 2 Tobacco User/Non-Tobacco User 50569.67 569.67
64844PA0070142 Rating Area 2 Tobacco User/Non-Tobacco User 51594.87 594.87
64844PA0070142 Rating Area 2 Tobacco User/Non-Tobacco User 52622.62 622.62
64844PA0070142 Rating Area 2 Tobacco User/Non-Tobacco User 53650.69 650.69
64844PA0070142 Rating Area 2 Tobacco User/Non-Tobacco User 54680.99 680.99
64844PA0070142 Rating Area 2 Tobacco User/Non-Tobacco User 55711.30 711.30
64844PA0070142 Rating Area 2 Tobacco User/Non-Tobacco User 56744.15 744.15
64844PA0070142 Rating Area 2 Tobacco User/Non-Tobacco User 57777.32 777.32
64844PA0070142 Rating Area 2 Tobacco User/Non-Tobacco User 58812.73 812.73
64844PA0070142 Rating Area 2 Tobacco User/Non-Tobacco User 59830.27 830.27
64844PA0070142 Rating Area 2 Tobacco User/Non-Tobacco User 60865.68 865.68
64844PA0070142 Rating Area 2 Tobacco User/Non-Tobacco User 61896.30 896.30
64844PA0070142 Rating Area 2 Tobacco User/Non-Tobacco User 62916.39 916.39
64844PA0070142 Rating Area 2 Tobacco User/Non-Tobacco User 63941.59 941.59
64844PA0070142 Rating Area 2 Tobacco User/Non-Tobacco User 64 and over956.58 956.58
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64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 15295.54 295.54
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 16345.40 345.40
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 17355.86 355.86
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 18367.12 367.12
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 19378.37 378.37
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 20390.04 390.04
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 21402.10 402.10
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 22402.10 402.10
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 23402.10 402.10
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 24402.10 402.10
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 25403.71 403.71
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 26411.75 411.75
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 27421.40 421.40
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 28437.08 437.08
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 29449.95 449.95
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64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 33481.71 481.71
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64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 38501.01 501.01
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64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 53820.28 820.28
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64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 56938.10 938.10
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 57979.91 979.91
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 581024.55 1024.55
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64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 601091.29 1091.29
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 611129.90 1129.90
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 621155.23 1155.23
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 631186.99 1186.99
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 64 and over1205.89 1205.89
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64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 15239.88 239.88
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 16280.35 280.35
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 17288.84 288.84
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 18297.98 297.98
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 19307.12 307.12
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 20316.58 316.58
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 21326.37 326.37
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 22326.37 326.37
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 23326.37 326.37
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 24326.37 326.37
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 25327.68 327.68
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 26334.20 334.20
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 27342.04 342.04
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 28354.77 354.77
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 29365.21 365.21
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 30370.43 370.43
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 31378.26 378.26
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 32386.10 386.10
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 33390.99 390.99
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 34396.21 396.21
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64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 36401.44 401.44
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64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 39411.88 411.88
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 40417.10 417.10
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64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 51608.68 608.68
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64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 54696.80 696.80
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 55727.81 727.81
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 56761.42 761.42
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 57795.37 795.37
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 58831.59 831.59
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 59849.54 849.54
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 60885.77 885.77
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 61917.10 917.10
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 62937.66 937.66
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 63963.45 963.45
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 64 and over978.79 978.79
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64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 15230.94 230.94
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 16269.90 269.90
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 17278.07 278.07
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 18286.87 286.87
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 19295.66 295.66
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 20304.78 304.78
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 21314.20 314.20
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 22314.20 314.20
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 23314.20 314.20
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 24314.20 314.20
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 25315.46 315.46
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 26321.74 321.74
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 27329.28 329.28
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 28341.54 341.54
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 29351.59 351.59
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 30356.62 356.62
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 31364.16 364.16
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 32371.70 371.70
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 33376.41 376.41
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 34381.44 381.44
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 35383.95 383.95
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 36386.47 386.47
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 37388.98 388.98
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 38391.49 391.49
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 39396.52 396.52
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 40401.55 401.55
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 41409.09 409.09
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 42416.32 416.32
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 43426.37 426.37
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 44438.94 438.94
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 45453.71 453.71
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 46471.30 471.30
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 47491.10 491.10
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 48513.72 513.72
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 49536.03 536.03
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 50561.16 561.16
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 51585.98 585.98
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 52613.32 613.32
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 53640.97 640.97
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 54670.82 670.82
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 55700.67 700.67
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 56733.03 733.03
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 57765.71 765.71
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 58800.58 800.58
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 59817.87 817.87
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 60852.74 852.74
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 61882.90 882.90
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 62902.70 902.70
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 63927.52 927.52
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 64 and over942.29 942.29
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 0-14291.04 291.04
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 15291.04 291.04
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 16340.15 340.15
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 17350.44 350.44
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 18361.53 361.53
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 19372.62 372.62
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 20384.10 384.10
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 21395.98 395.98
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 22395.98 395.98
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 23395.98 395.98
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 24395.98 395.98
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 25397.56 397.56
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 26405.48 405.48
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 27414.99 414.99
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 28430.43 430.43
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 29443.10 443.10
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 30449.44 449.44
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 31458.94 458.94
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 32468.44 468.44
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 33474.38 474.38
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 34480.72 480.72
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 35483.89 483.89
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 36487.05 487.05
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 37490.22 490.22
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 38493.39 493.39
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 39499.73 499.73
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 40506.06 506.06
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 41515.57 515.57
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 42524.67 524.67
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 43537.34 537.34
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 44553.18 553.18
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 45571.79 571.79
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 46593.97 593.97
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 47618.92 618.92
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 48647.43 647.43
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 49675.54 675.54
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 50707.22 707.22
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 51738.50 738.50
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 52772.95 772.95
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 53807.80 807.80
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 54845.42 845.42
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 55883.03 883.03
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 56923.82 923.82
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 57965.00 965.00
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 581008.96 1008.96
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 591030.73 1030.73
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 601074.69 1074.69
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 611112.70 1112.70
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 621137.65 1137.65
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 631168.93 1168.93
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 64 and over1187.54 1187.54
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 0-14291.28 291.28
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 15291.28 291.28
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 16340.42 340.42
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 17350.73 350.73
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 18361.83 361.83
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 19372.92 372.92
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 20384.41 384.41
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 21396.30 396.30
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 22396.30 396.30
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 23396.30 396.30
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 24396.30 396.30
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 25397.89 397.89
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 26405.81 405.81
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 27415.33 415.33
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 28430.78 430.78
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 29443.46 443.46
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 30449.80 449.80
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 31459.32 459.32
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 32468.83 468.83
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 33474.77 474.77
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 34481.11 481.11
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 35484.28 484.28
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 36487.45 487.45
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 37490.62 490.62
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 38493.79 493.79
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 39500.14 500.14
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64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 41515.99 515.99
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 42525.10 525.10
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 43537.78 537.78
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 44553.64 553.64
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 45572.26 572.26
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 46594.46 594.46
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 47619.42 619.42
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 48647.96 647.96
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 49676.09 676.09
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64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 51739.11 739.11
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 52773.58 773.58
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 53808.46 808.46
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 54846.11 846.11
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 55883.76 883.76
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 56924.58 924.58
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 57965.79 965.79
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 581009.78 1009.78
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 591031.58 1031.58
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 601075.57 1075.57
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 611113.61 1113.61
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 621138.58 1138.58
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 631169.89 1169.89
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 64 and over1188.51 1188.51
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 0-14296.08 296.08
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 15296.08 296.08
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 16346.03 346.03
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 17356.50 356.50
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 18367.78 367.78
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 19379.06 379.06
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 20390.74 390.74
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 21402.83 402.83
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 22402.83 402.83
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 23402.83 402.83
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 24402.83 402.83
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 25404.44 404.44
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 26412.50 412.50
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 27422.16 422.16
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 28437.88 437.88
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 29450.77 450.77
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 30457.21 457.21
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 31466.88 466.88
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 32476.55 476.55
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 33482.59 482.59
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 34489.03 489.03
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 35492.26 492.26
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 36495.48 495.48
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 37498.70 498.70
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 38501.93 501.93
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 39508.37 508.37
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 40514.82 514.82
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 41524.48 524.48
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 42533.75 533.75
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 43546.64 546.64
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 44562.75 562.75
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 45581.69 581.69
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 46604.24 604.24
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 47629.62 629.62
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 48658.63 658.63
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 49687.23 687.23
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 50719.45 719.45
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 51751.28 751.28
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 52786.32 786.32
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 53821.77 821.77
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 54860.04 860.04
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 55898.31 898.31
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 56939.80 939.80
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 57981.69 981.69
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 581026.41 1026.41
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 591048.56 1048.56
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 601093.28 1093.28
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 611131.95 1131.95
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 621157.33 1157.33
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 631189.15 1189.15
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 64 and over1208.08 1208.08
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 0-14276.31 276.31
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 15276.31 276.31
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 16322.93 322.93
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 17332.70 332.70
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 18343.23 343.23
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 19353.76 353.76
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 20364.66 364.66
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 21375.94 375.94
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 22375.94 375.94
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 23375.94 375.94
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 24375.94 375.94
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 25377.44 377.44
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 26384.96 384.96
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 27393.98 393.98
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 28408.64 408.64
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 29420.67 420.67
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 30426.69 426.69
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 31435.71 435.71
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 32444.73 444.73
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 33450.37 450.37
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 34456.39 456.39
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 35459.40 459.40
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 36462.40 462.40
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 37465.41 465.41
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 38468.42 468.42
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 39474.43 474.43
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 40480.45 480.45
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 41489.47 489.47
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 42498.12 498.12
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 43510.15 510.15
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 44525.18 525.18
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 45542.85 542.85
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 46563.91 563.91
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 47587.59 587.59
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 48614.66 614.66
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 49641.35 641.35
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 50671.42 671.42
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 51701.12 701.12
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 52733.83 733.83
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 53766.91 766.91
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 54802.63 802.63
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 55838.34 838.34
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 56877.06 877.06
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 57916.16 916.16
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 58957.89 957.89
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 59978.56 978.56
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 601020.29 1020.29
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 611056.38 1056.38
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 621080.07 1080.07
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 631109.77 1109.77
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 64 and over1127.44 1127.44
2018 Rates Table Template v7.1 All fields with an asterisk ( * ) are required. To validate press Validate button or Ctrl + Shift + I. To finalize, press Finalize button or Ctrl + Shift + F.
If macros are disabled, press and hold the ALT key and press If you are in a community rating state, select Family-Tier Rates under Rating Method and fill in all columns.If you are not in a community rating state, select Age-Based Rates under Rating Method and provide an Individual Rate for every age band.If Tobacco is Tobacco User/Non-Tobacco User, you must give a rate for Tobacco Use and Non-Tobacco Use.To add a new sheet, press the Add Sheet button, or Ctrl + Shift + H. All plans must have the same dates on a sheet.
Plan ID* Rating Area ID* Tobacco* Age* Individual Rate* Individual Tobacco Rate*
Required:Enter the 14-character Plan ID
Required:Select the Rating Area ID
Required:Select if Tobacco use of subscriber is used to
determine if a person is eligible for a rate from a plan
Required:Select the age of a subscriber eligible for the
rate
Required:Enter the rate of an Individual Non-Tobacco or
No Preference enrollee on a plan
Required:Enter the rate of an Individual tobacco enrollee
on a plan
64844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 0-14 244.20 244.2064844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 15 244.20 244.2064844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 16 285.40 285.4064844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 17 294.04 294.0464844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 18 303.34 303.3464844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 19 312.64 312.6464844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 20 322.28 322.2864844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 21 332.25 332.2564844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 22 332.25 332.2564844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 23 332.25 332.2564844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 24 332.25 332.2564844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 25 333.58 333.5864844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 26 340.22 340.2264844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 27 348.19 348.1964844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 28 361.15 361.1564844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 29 371.78 371.7864844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 30 377.10 377.1064844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 31 385.07 385.0764844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 32 393.05 393.0564844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 33 398.03 398.0364844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 34 403.35 403.3564844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 35 406.00 406.0064844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 36 408.66 408.6664844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 37 411.32 411.3264844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 38 413.98 413.9864844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 39 419.29 419.2964844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 40 424.61 424.6164844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 41 432.58 432.5864844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 42 440.23 440.2364844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 43 450.86 450.8664844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 44 464.15 464.1564844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 45 479.76 479.7664844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 46 498.37 498.3764844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 47 519.30 519.3064844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 48 543.22 543.2264844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 49 566.81 566.8164844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 50 593.39 593.3964844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 51 619.64 619.6464844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 52 648.54 648.5464844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 53 677.78 677.7864844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 54 709.35 709.3564844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 55 740.91 740.9164844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 56 775.13 775.1364844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 57 809.68 809.6864844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 58 846.56 846.5664844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 59 864.84 864.8464844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 60 901.72 901.7264844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 61 933.61 933.6164844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 62 954.54 954.5464844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 63 980.79 980.7964844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 64 and over 996.41 996.4164844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 0-14 246.31 246.3164844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 15 246.31 246.3164844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 16 287.87 287.8764844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 17 296.58 296.5864844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 18 305.97 305.9764844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 19 315.35 315.3564844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 20 325.07 325.0764844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 21 335.12 335.1264844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 22 335.12 335.1264844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 23 335.12 335.1264844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 24 335.12 335.1264844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 25 336.46 336.4664844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 26 343.16 343.1664844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 27 351.21 351.2164844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 28 364.28 364.2864844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 29 375.00 375.0064844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 30 380.36 380.3664844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 31 388.41 388.4164844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 32 396.45 396.4564844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 33 401.48 401.4864844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 34 406.84 406.8464844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 35 409.52 409.52
64844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 36 412.20 412.2064844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 37 414.88 414.8864844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 38 417.56 417.5664844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 39 422.92 422.9264844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 40 428.28 428.2864844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 41 436.33 436.3364844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 42 444.04 444.0464844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 43 454.76 454.7664844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 44 468.16 468.1664844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 45 483.91 483.9164844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 46 502.68 502.6864844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 47 523.79 523.7964844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 48 547.92 547.9264844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 49 571.72 571.7264844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 50 598.53 598.5364844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 51 625.00 625.0064844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 52 654.16 654.1664844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 53 683.65 683.6564844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 54 715.48 715.4864844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 55 747.32 747.3264844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 56 781.84 781.8464844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 57 816.69 816.6964844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 58 853.89 853.8964844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 59 872.32 872.3264844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 60 909.52 909.5264844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 61 941.69 941.6964844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 62 962.80 962.8064844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 63 989.28 989.2864844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 64 and over 1005.03 1005.0364844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 0-14 310.51 310.5164844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 15 310.51 310.5164844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 16 362.90 362.9064844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 17 373.88 373.8864844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 18 385.71 385.7164844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 19 397.54 397.5464844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 20 409.79 409.7964844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 21 422.46 422.4664844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 22 422.46 422.4664844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 23 422.46 422.4664844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 24 422.46 422.4664844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 25 424.15 424.1564844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 26 432.60 432.6064844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 27 442.74 442.7464844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 28 459.22 459.2264844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 29 472.74 472.7464844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 30 479.50 479.5064844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 31 489.63 489.6364844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 32 499.77 499.7764844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 33 506.11 506.1164844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 34 512.87 512.8764844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 35 516.25 516.2564844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 36 519.63 519.6364844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 37 523.01 523.0164844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 38 526.39 526.3964844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 39 533.15 533.1564844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 40 539.91 539.9164844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 41 550.05 550.0564844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 42 559.76 559.7664844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 43 573.28 573.2864844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 44 590.18 590.1864844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 45 610.04 610.0464844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 46 633.69 633.6964844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 47 660.31 660.3164844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 48 690.73 690.7364844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 49 720.72 720.7264844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 50 754.52 754.5264844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 51 787.89 787.8964844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 52 824.65 824.6564844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 53 861.82 861.8264844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 54 901.96 901.9664844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 55 942.09 942.0964844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 56 985.61 985.6164844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 57 1029.54 1029.5464844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 58 1076.43 1076.4364844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 59 1099.67 1099.6764844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 60 1146.56 1146.5664844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 61 1187.12 1187.1264844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 62 1213.74 1213.7464844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 63 1247.11 1247.1164844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 64 and over 1266.97 1266.9764844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 0-14 252.03 252.0364844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 15 252.03 252.0364844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 16 294.55 294.5564844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 17 303.47 303.4764844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 18 313.07 313.0764844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 19 322.67 322.6764844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 20 332.61 332.6164844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 21 342.90 342.9064844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 22 342.90 342.9064844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 23 342.90 342.9064844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 24 342.90 342.9064844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 25 344.27 344.2764844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 26 351.13 351.13
64844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 27 359.36 359.3664844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 28 372.73 372.7364844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 29 383.71 383.7164844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 30 389.19 389.1964844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 31 397.42 397.4264844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 32 405.65 405.6564844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 33 410.79 410.7964844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 34 416.28 416.2864844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 35 419.02 419.0264844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 36 421.77 421.7764844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 37 424.51 424.5164844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 38 427.25 427.2564844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 39 432.74 432.7464844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 40 438.23 438.2364844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 41 446.46 446.4664844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 42 454.34 454.3464844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 43 465.32 465.3264844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 44 479.03 479.0364844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 45 495.15 495.1564844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 46 514.35 514.3564844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 47 535.95 535.9564844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 48 560.64 560.6464844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 49 584.99 584.9964844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 50 612.42 612.4264844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 51 639.51 639.5164844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 52 669.34 669.3464844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 53 699.52 699.5264844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 54 732.09 732.0964844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 55 764.67 764.6764844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 56 799.99 799.9964844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 57 835.65 835.6564844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 58 873.71 873.7164844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 59 892.57 892.5764844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 60 930.63 930.6364844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 61 963.55 963.5564844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 62 985.15 985.1564844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 63 1012.24 1012.2464844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 64 and over 1028.36 1028.36
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 0-14242.63 242.63
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 15242.63 242.63
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 16283.57 283.57
64844PA0060126 Rating Area 5 Tobacco User/Non-Tobacco User 17292.15 292.15
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64844PA0070142 Rating Area 1 Tobacco User/Non-Tobacco User 59847.00 847.00
64844PA0070142 Rating Area 1 Tobacco User/Non-Tobacco User 60883.12 883.12
64844PA0070142 Rating Area 1 Tobacco User/Non-Tobacco User 61914.36 914.36
64844PA0070142 Rating Area 1 Tobacco User/Non-Tobacco User 62934.86 934.86
64844PA0070142 Rating Area 1 Tobacco User/Non-Tobacco User 63960.57 960.57
64844PA0070142 Rating Area 1 Tobacco User/Non-Tobacco User 64 and over975.86 975.86
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64844PA0070142 Rating Area 2 Tobacco User/Non-Tobacco User 15241.24 241.24
64844PA0070142 Rating Area 2 Tobacco User/Non-Tobacco User 16281.93 281.93
64844PA0070142 Rating Area 2 Tobacco User/Non-Tobacco User 17290.47 290.47
64844PA0070142 Rating Area 2 Tobacco User/Non-Tobacco User 18299.66 299.66
64844PA0070142 Rating Area 2 Tobacco User/Non-Tobacco User 19308.85 308.85
64844PA0070142 Rating Area 2 Tobacco User/Non-Tobacco User 20318.36 318.36
64844PA0070142 Rating Area 2 Tobacco User/Non-Tobacco User 21328.21 328.21
64844PA0070142 Rating Area 2 Tobacco User/Non-Tobacco User 22328.21 328.21
64844PA0070142 Rating Area 2 Tobacco User/Non-Tobacco User 23328.21 328.21
64844PA0070142 Rating Area 2 Tobacco User/Non-Tobacco User 24328.21 328.21
64844PA0070142 Rating Area 2 Tobacco User/Non-Tobacco User 25329.52 329.52
64844PA0070142 Rating Area 2 Tobacco User/Non-Tobacco User 26336.09 336.09
64844PA0070142 Rating Area 2 Tobacco User/Non-Tobacco User 27343.97 343.97
64844PA0070142 Rating Area 2 Tobacco User/Non-Tobacco User 28356.77 356.77
64844PA0070142 Rating Area 2 Tobacco User/Non-Tobacco User 29367.27 367.27
64844PA0070142 Rating Area 2 Tobacco User/Non-Tobacco User 30372.52 372.52
64844PA0070142 Rating Area 2 Tobacco User/Non-Tobacco User 31380.40 380.40
64844PA0070142 Rating Area 2 Tobacco User/Non-Tobacco User 32388.27 388.27
64844PA0070142 Rating Area 2 Tobacco User/Non-Tobacco User 33393.20 393.20
64844PA0070142 Rating Area 2 Tobacco User/Non-Tobacco User 34398.45 398.45
64844PA0070142 Rating Area 2 Tobacco User/Non-Tobacco User 35401.07 401.07
64844PA0070142 Rating Area 2 Tobacco User/Non-Tobacco User 36403.70 403.70
64844PA0070142 Rating Area 2 Tobacco User/Non-Tobacco User 37406.33 406.33
64844PA0070142 Rating Area 2 Tobacco User/Non-Tobacco User 38408.95 408.95
64844PA0070142 Rating Area 2 Tobacco User/Non-Tobacco User 39414.20 414.20
64844PA0070142 Rating Area 2 Tobacco User/Non-Tobacco User 40419.45 419.45
64844PA0070142 Rating Area 2 Tobacco User/Non-Tobacco User 41427.33 427.33
64844PA0070142 Rating Area 2 Tobacco User/Non-Tobacco User 42434.88 434.88
64844PA0070142 Rating Area 2 Tobacco User/Non-Tobacco User 43445.38 445.38
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64844PA0070142 Rating Area 2 Tobacco User/Non-Tobacco User 49559.93 559.93
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64844PA0070142 Rating Area 2 Tobacco User/Non-Tobacco User 51612.11 612.11
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64844PA0070142 Rating Area 2 Tobacco User/Non-Tobacco User 54700.73 700.73
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64844PA0070142 Rating Area 2 Tobacco User/Non-Tobacco User 56765.72 765.72
64844PA0070142 Rating Area 2 Tobacco User/Non-Tobacco User 57799.85 799.85
64844PA0070142 Rating Area 2 Tobacco User/Non-Tobacco User 58836.28 836.28
64844PA0070142 Rating Area 2 Tobacco User/Non-Tobacco User 59854.33 854.33
64844PA0070142 Rating Area 2 Tobacco User/Non-Tobacco User 60890.77 890.77
64844PA0070142 Rating Area 2 Tobacco User/Non-Tobacco User 61922.27 922.27
64844PA0070142 Rating Area 2 Tobacco User/Non-Tobacco User 62942.95 942.95
64844PA0070142 Rating Area 2 Tobacco User/Non-Tobacco User 63968.88 968.88
64844PA0070142 Rating Area 2 Tobacco User/Non-Tobacco User 64 and over984.31 984.31
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64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 15304.11 304.11
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 16355.41 355.41
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 17366.17 366.17
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 18377.76 377.76
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 19389.34 389.34
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 20401.34 401.34
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 21413.75 413.75
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 22413.75 413.75
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 23413.75 413.75
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 24413.75 413.75
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 25415.41 415.41
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 26423.68 423.68
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 27433.61 433.61
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 28449.75 449.75
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 29462.99 462.99
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 30469.61 469.61
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 31479.54 479.54
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 32489.47 489.47
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 33495.67 495.67
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 34502.29 502.29
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64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 36508.91 508.91
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 37512.22 512.22
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 38515.53 515.53
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 39522.15 522.15
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64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 46620.63 620.63
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64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 48676.48 676.48
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 49705.86 705.86
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 50738.96 738.96
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64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 52807.64 807.64
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 53844.05 844.05
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 54883.36 883.36
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 55922.67 922.67
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 56965.28 965.28
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 571008.31 1008.31
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 581054.24 1054.24
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 591077.00 1077.00
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 601122.92 1122.92
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 611162.64 1162.64
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 621188.71 1188.71
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 631221.40 1221.40
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 64 and over1240.84 1240.84
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 0-14246.83 246.83
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 15246.83 246.83
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 16288.48 288.48
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 17297.21 297.21
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 18306.61 306.61
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 19316.02 316.02
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 20325.75 325.75
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 21335.83 335.83
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 22335.83 335.83
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 23335.83 335.83
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 24335.83 335.83
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 25337.17 337.17
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 26343.89 343.89
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 27351.95 351.95
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 28365.05 365.05
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 29375.79 375.79
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 30381.17 381.17
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 31389.23 389.23
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 32397.29 397.29
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 33402.32 402.32
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 34407.70 407.70
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 35410.38 410.38
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 36413.07 413.07
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 37415.76 415.76
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 38418.44 418.44
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 39423.82 423.82
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 40429.19 429.19
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 41437.25 437.25
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 42444.97 444.97
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 43455.72 455.72
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 44469.15 469.15
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 45484.94 484.94
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 46503.74 503.74
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 47524.90 524.90
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 48549.08 549.08
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 49572.93 572.93
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 50599.79 599.79
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 51626.32 626.32
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 52655.54 655.54
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 53685.09 685.09
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 54717.00 717.00
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 55748.90 748.90
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 56783.49 783.49
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 57818.42 818.42
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 58855.69 855.69
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 59874.16 874.16
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 60911.44 911.44
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 61943.68 943.68
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 62964.84 964.84
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 63991.37 991.37
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 64 and over1007.15 1007.15
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 0-14237.63 237.63
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 15237.63 237.63
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 16277.72 277.72
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 17286.13 286.13
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 18295.18 295.18
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 19304.23 304.23
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 20313.61 313.61
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 21323.31 323.31
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 22323.31 323.31
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 23323.31 323.31
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 24323.31 323.31
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 25324.60 324.60
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 26331.07 331.07
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 27338.83 338.83
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 28351.43 351.43
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 29361.78 361.78
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 30366.95 366.95
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 31374.71 374.71
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 32382.47 382.47
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 33387.32 387.32
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 34392.49 392.49
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 35395.08 395.08
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 36397.67 397.67
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 37400.25 400.25
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 38402.84 402.84
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 39408.01 408.01
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 40413.19 413.19
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 41420.95 420.95
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 42428.38 428.38
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 43438.73 438.73
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 44451.66 451.66
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 45466.86 466.86
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 46484.96 484.96
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 47505.33 505.33
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 48528.61 528.61
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 49551.56 551.56
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 50577.43 577.43
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 51602.97 602.97
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 52631.10 631.10
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 53659.55 659.55
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 54690.26 690.26
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 55720.98 720.98
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 56754.28 754.28
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 57787.90 787.90
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 58823.79 823.79
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 59841.57 841.57
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 60877.46 877.46
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 61908.49 908.49
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 62928.86 928.86
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 63954.40 954.40
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 64 and over969.60 969.60
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 0-14299.48 299.48
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 15299.48 299.48
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 16350.00 350.00
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 17360.60 360.60
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 18372.01 372.01
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 19383.42 383.42
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 20395.23 395.23
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 21407.46 407.46
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 22407.46 407.46
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 23407.46 407.46
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 24407.46 407.46
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 25409.09 409.09
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 26417.23 417.23
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 27427.01 427.01
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 28442.90 442.90
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 29455.94 455.94
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 30462.46 462.46
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 31472.24 472.24
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 32482.02 482.02
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 33488.13 488.13
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 34494.65 494.65
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 35497.91 497.91
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 36501.17 501.17
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 37504.43 504.43
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 38507.69 507.69
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 39514.21 514.21
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 40520.73 520.73
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 41530.51 530.51
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 42539.88 539.88
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 43552.92 552.92
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 44569.22 569.22
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 45588.37 588.37
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 46611.18 611.18
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 47636.85 636.85
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 48666.19 666.19
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 49695.12 695.12
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 50727.72 727.72
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 51759.90 759.90
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 52795.35 795.35
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 53831.21 831.21
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 54869.92 869.92
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 55908.63 908.63
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 56950.59 950.59
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 57992.97 992.97
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 581038.20 1038.20
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 591060.61 1060.61
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 601105.83 1105.83
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 611144.95 1144.95
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 621170.62 1170.62
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 631202.81 1202.81
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 64 and over1221.96 1221.96
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64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 15299.73 299.73
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 16350.29 350.29
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 17360.89 360.89
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 18372.31 372.31
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 19383.73 383.73
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 20395.56 395.56
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 21407.79 407.79
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 22407.79 407.79
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 23407.79 407.79
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 24407.79 407.79
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 25409.42 409.42
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 26417.58 417.58
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 27427.36 427.36
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 28443.27 443.27
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 29456.32 456.32
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 30462.84 462.84
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 31472.63 472.63
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 32482.41 482.41
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 33488.53 488.53
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 34495.06 495.06
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 35498.32 498.32
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 36501.58 501.58
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 37504.84 504.84
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 38508.11 508.11
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 39514.63 514.63
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 40521.15 521.15
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 41530.94 530.94
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 42540.32 540.32
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 43553.37 553.37
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 44569.68 569.68
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 45588.85 588.85
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 46611.68 611.68
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 47637.37 637.37
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 48666.74 666.74
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 49695.69 695.69
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 50728.31 728.31
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 51760.53 760.53
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 52796.00 796.00
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 53831.89 831.89
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 54870.63 870.63
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 55909.37 909.37
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 56951.37 951.37
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 57993.78 993.78
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 581039.05 1039.05
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 591061.48 1061.48
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 601106.74 1106.74
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 611145.89 1145.89
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 621171.58 1171.58
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 631203.79 1203.79
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 64 and over1222.96 1222.96
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 0-14304.66 304.66
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 15304.66 304.66
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 16356.06 356.06
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 17366.84 366.84
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 18378.44 378.44
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 19390.05 390.05
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 20402.07 402.07
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 21414.50 414.50
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 22414.50 414.50
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 23414.50 414.50
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 24414.50 414.50
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 25416.16 416.16
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 26424.45 424.45
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 27434.40 434.40
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 28450.57 450.57
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 29463.83 463.83
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 30470.46 470.46
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 31480.41 480.41
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 32490.36 490.36
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 33496.58 496.58
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 34503.21 503.21
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 35506.52 506.52
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 36509.84 509.84
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 37513.16 513.16
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 38516.47 516.47
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 39523.10 523.10
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 40529.74 529.74
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 41539.68 539.68
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 42549.22 549.22
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 43562.48 562.48
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 44579.06 579.06
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 45598.54 598.54
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 46621.76 621.76
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 47647.87 647.87
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 48677.71 677.71
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 49707.14 707.14
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 50740.30 740.30
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 51773.05 773.05
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 52809.11 809.11
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 53845.59 845.59
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 54884.97 884.97
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 55924.34 924.34
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 56967.04 967.04
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 571010.15 1010.15
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 581056.16 1056.16
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 591078.95 1078.95
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 601124.96 1124.96
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 611164.76 1164.76
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 621190.87 1190.87
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 631223.62 1223.62
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 64 and over1243.10 1243.10
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 0-14284.32 284.32
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 15284.32 284.32
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 16332.29 332.29
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 17342.35 342.35
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 18353.18 353.18
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 19364.01 364.01
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 20375.23 375.23
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 21386.83 386.83
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 22386.83 386.83
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 23386.83 386.83
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 24386.83 386.83
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 25388.38 388.38
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 26396.12 396.12
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 27405.40 405.40
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 28420.49 420.49
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 29432.87 432.87
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 30439.05 439.05
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 31448.34 448.34
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 32457.62 457.62
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 33463.43 463.43
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 34469.61 469.61
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 35472.71 472.71
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 36475.80 475.80
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 37478.90 478.90
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 38481.99 481.99
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 39488.18 488.18
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 40494.37 494.37
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 41503.66 503.66
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 42512.55 512.55
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 43524.93 524.93
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 44540.40 540.40
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 45558.59 558.59
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 46580.25 580.25
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 47604.62 604.62
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 48632.47 632.47
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 49659.94 659.94
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 50690.88 690.88
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 51721.44 721.44
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 52755.10 755.10
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 53789.14 789.14
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 54825.89 825.89
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 55862.64 862.64
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 56902.48 902.48
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 57942.71 942.71
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 58985.65 985.65
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 591006.92 1006.92
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 601049.86 1049.86
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 611087.00 1087.00
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 621111.37 1111.37
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 631141.93 1141.93
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 64 and over1160.11 1160.11
2018 Rates Table Template v7.1 All fields with an asterisk ( * ) are required. To validate press Validate button or Ctrl + Shift + I. To finalize, press Finalize button or Ctrl + Shift + F.
If macros are disabled, press and hold the ALT key and press If you are in a community rating state, select Family-Tier Rates under Rating Method and fill in all columns.If you are not in a community rating state, select Age-Based Rates under Rating Method and provide an Individual Rate for every age band.If Tobacco is Tobacco User/Non-Tobacco User, you must give a rate for Tobacco Use and Non-Tobacco Use.To add a new sheet, press the Add Sheet button, or Ctrl + Shift + H. All plans must have the same dates on a sheet.
Plan ID* Rating Area ID* Tobacco* Age* Individual Rate* Individual Tobacco Rate*
Required:Enter the 14-character Plan ID
Required:Select the Rating Area ID
Required:Select if Tobacco use of subscriber is used to
determine if a person is eligible for a rate from a plan
Required:Select the age of a subscriber eligible for the
rate
Required:Enter the rate of an Individual Non-Tobacco or
No Preference enrollee on a plan
Required:Enter the rate of an Individual tobacco enrollee
on a plan
64844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 0-14 251.28 251.2864844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 15 251.28 251.2864844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 16 293.67 293.6764844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 17 302.56 302.5664844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 18 312.13 312.1364844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 19 321.70 321.7064844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 20 331.62 331.6264844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 21 341.88 341.8864844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 22 341.88 341.8864844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 23 341.88 341.8864844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 24 341.88 341.8864844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 25 343.24 343.2464844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 26 350.08 350.0864844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 27 358.29 358.2964844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 28 371.62 371.6264844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 29 382.56 382.5664844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 30 388.03 388.0364844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 31 396.23 396.2364844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 32 404.44 404.4464844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 33 409.57 409.5764844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 34 415.04 415.0464844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 35 417.77 417.7764844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 36 420.51 420.5164844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 37 423.24 423.2464844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 38 425.98 425.9864844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 39 431.45 431.4564844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 40 436.92 436.9264844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 41 445.12 445.1264844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 42 452.98 452.9864844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 43 463.92 463.9264844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 44 477.60 477.6064844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 45 493.67 493.6764844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 46 512.81 512.8164844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 47 534.35 534.3564844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 48 558.97 558.9764844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 49 583.24 583.2464844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 50 610.59 610.5964844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 51 637.60 637.6064844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 52 667.34 667.3464844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 53 697.43 697.4364844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 54 729.90 729.9064844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 55 762.38 762.3864844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 56 797.60 797.6064844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 57 833.15 833.1564844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 58 871.10 871.1064844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 59 889.90 889.9064844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 60 927.85 927.8564844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 61 960.67 960.6764844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 62 982.21 982.2164844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 63 1009.22 1009.2264844PA0060126 Rating Area 1 Tobacco User/Non-Tobacco User 64 and over 1025.28 1025.2864844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 0-14 253.45 253.4564844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 15 253.45 253.4564844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 16 296.21 296.2164844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 17 305.18 305.1864844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 18 314.83 314.8364844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 19 324.49 324.4964844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 20 334.49 334.4964844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 21 344.83 344.8364844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 22 344.83 344.8364844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 23 344.83 344.8364844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 24 344.83 344.8364844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 25 346.21 346.2164844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 26 353.11 353.1164844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 27 361.39 361.3964844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 28 374.83 374.8364844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 29 385.87 385.8764844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 30 391.39 391.3964844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 31 399.66 399.6664844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 32 407.94 407.9464844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 33 413.11 413.1164844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 34 418.63 418.6364844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 35 421.39 421.39
64844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 36 424.15 424.1564844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 37 426.90 426.9064844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 38 429.66 429.6664844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 39 435.18 435.1864844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 40 440.70 440.7064844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 41 448.97 448.9764844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 42 456.90 456.9064844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 43 467.94 467.9464844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 44 481.73 481.7364844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 45 497.94 497.9464844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 46 517.25 517.2564844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 47 538.98 538.9864844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 48 563.80 563.8064844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 49 588.29 588.2964844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 50 615.87 615.8764844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 51 643.11 643.1164844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 52 673.12 673.1264844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 53 703.46 703.4664844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 54 736.22 736.2264844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 55 768.98 768.9864844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 56 804.50 804.5064844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 57 840.36 840.3664844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 58 878.64 878.6464844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 59 897.60 897.6064844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 60 935.88 935.8864844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 61 968.98 968.9864844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 62 990.71 990.7164844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 63 1017.95 1017.9564844PA0060126 Rating Area 2 Tobacco User/Non-Tobacco User 64 and over 1034.16 1034.1664844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 0-14 319.51 319.5164844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 15 319.51 319.5164844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 16 373.41 373.4164844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 17 384.72 384.7264844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 18 396.89 396.8964844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 19 409.06 409.0664844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 20 421.67 421.6764844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 21 434.71 434.7164844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 22 434.71 434.7164844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 23 434.71 434.7164844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 24 434.71 434.7164844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 25 436.45 436.4564844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 26 445.14 445.1464844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 27 455.57 455.5764844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 28 472.53 472.5364844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 29 486.44 486.4464844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 30 493.39 493.3964844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 31 503.83 503.8364844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 32 514.26 514.2664844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 33 520.78 520.7864844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 34 527.73 527.7364844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 35 531.21 531.2164844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 36 534.69 534.6964844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 37 538.17 538.1764844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 38 541.64 541.6464844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 39 548.60 548.6064844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 40 555.56 555.5664844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 41 565.99 565.9964844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 42 575.99 575.9964844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 43 589.90 589.9064844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 44 607.29 607.2964844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 45 627.72 627.7264844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 46 652.06 652.0664844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 47 679.45 679.4564844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 48 710.75 710.7564844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 49 741.61 741.6164844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 50 776.39 776.3964844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 51 810.73 810.7364844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 52 848.55 848.5564844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 53 886.80 886.8064844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 54 928.10 928.1064844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 55 969.40 969.4064844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 56 1014.17 1014.1764844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 57 1059.38 1059.3864844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 58 1107.63 1107.6364844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 59 1131.54 1131.5464844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 60 1179.79 1179.7964844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 61 1221.53 1221.5364844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 62 1248.91 1248.9164844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 63 1283.25 1283.2564844PA0060126 Rating Area 3 Tobacco User/Non-Tobacco User 64 and over 1303.69 1303.6964844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 0-14 259.34 259.3464844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 15 259.34 259.3464844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 16 303.09 303.0964844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 17 312.26 312.2664844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 18 322.14 322.1464844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 19 332.02 332.0264844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 20 342.25 342.2564844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 21 352.84 352.8464844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 22 352.84 352.8464844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 23 352.84 352.8464844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 24 352.84 352.8464844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 25 354.25 354.2564844PA0060126 Rating Area 4 Tobacco User/Non-Tobacco User 26 361.31 361.31
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64844PA0060126 Rating Area 6 Tobacco User/Non-Tobacco User 19402.83 402.83
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64844PA0060126 Rating Area 6 Tobacco User/Non-Tobacco User 631263.73 1263.73
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64844PA0060126 Rating Area 9 Tobacco User/Non-Tobacco User 591057.92 1057.92
64844PA0060126 Rating Area 9 Tobacco User/Non-Tobacco User 601103.03 1103.03
64844PA0060126 Rating Area 9 Tobacco User/Non-Tobacco User 611142.05 1142.05
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64844PA0070142 Rating Area 1 Tobacco User/Non-Tobacco User 16287.62 287.62
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64844PA0070142 Rating Area 1 Tobacco User/Non-Tobacco User 23334.83 334.83
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64844PA0070142 Rating Area 2 Tobacco User/Non-Tobacco User 56787.91 787.91
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64844PA0070142 Rating Area 2 Tobacco User/Non-Tobacco User 60916.58 916.58
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64844PA0070142 Rating Area 2 Tobacco User/Non-Tobacco User 62970.28 970.28
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64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 20412.97 412.97
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64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 22425.74 425.74
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 23425.74 425.74
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64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 28462.78 462.78
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64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 32503.65 503.65
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 33510.04 510.04
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64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 49726.32 726.32
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 50760.38 760.38
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64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 55949.41 949.41
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64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 571037.54 1037.54
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 581084.79 1084.79
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 591108.21 1108.21
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 601155.47 1155.47
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 611196.34 1196.34
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 621223.16 1223.16
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 631256.80 1256.80
64844PA0070142 Rating Area 3 Tobacco User/Non-Tobacco User 64 and over1276.81 1276.81
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64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 15253.99 253.99
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 16296.84 296.84
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64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 19325.17 325.17
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 20335.20 335.20
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 21345.56 345.56
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 22345.56 345.56
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 23345.56 345.56
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 24345.56 345.56
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64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 28375.63 375.63
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 29386.69 386.69
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 30392.21 392.21
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 31400.51 400.51
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 32408.80 408.80
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 33413.98 413.98
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 34419.51 419.51
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 35422.28 422.28
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 36425.04 425.04
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 37427.81 427.81
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 38430.57 430.57
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 39436.10 436.10
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 40441.63 441.63
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 41449.92 449.92
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 42457.87 457.87
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64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 51644.48 644.48
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64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 53704.95 704.95
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 54737.78 737.78
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 55770.61 770.61
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 56806.20 806.20
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 57842.14 842.14
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 58880.49 880.49
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 59899.50 899.50
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 60937.86 937.86
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 61971.03 971.03
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 62992.80 992.80
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 631020.10 1020.10
64844PA0070142 Rating Area 4 Tobacco User/Non-Tobacco User 64 and over1036.34 1036.34
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64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 15244.52 244.52
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 16285.77 285.77
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 17294.42 294.42
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 18303.73 303.73
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 19313.05 313.05
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 20322.70 322.70
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 21332.68 332.68
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 22332.68 332.68
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 23332.68 332.68
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 24332.68 332.68
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64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 27348.65 348.65
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 28361.62 361.62
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 29372.27 372.27
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 30377.59 377.59
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 31385.57 385.57
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 32393.56 393.56
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 33398.55 398.55
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64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 40425.16 425.16
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64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 42440.80 440.80
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 43451.44 451.44
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64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 45480.39 480.39
64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 46499.02 499.02
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64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 49567.55 567.55
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64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 51620.44 620.44
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64844PA0070142 Rating Area 5 Tobacco User/Non-Tobacco User 64 and over997.70 997.70
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64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 15308.16 308.16
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 16360.15 360.15
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 17371.05 371.05
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 18382.79 382.79
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 19394.53 394.53
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64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 21419.26 419.26
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 22419.26 419.26
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 23419.26 419.26
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 24419.26 419.26
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 25420.94 420.94
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 26429.33 429.33
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 27439.39 439.39
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 28455.74 455.74
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 29469.16 469.16
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 30475.87 475.87
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 31485.93 485.93
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 32495.99 495.99
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 33502.28 502.28
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 34508.99 508.99
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 35512.34 512.34
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 36515.70 515.70
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 37519.05 519.05
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 38522.40 522.40
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 39529.11 529.11
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 40535.82 535.82
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 41545.88 545.88
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 42555.53 555.53
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 43568.94 568.94
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 44585.71 585.71
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 45605.42 605.42
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 46628.90 628.90
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 47655.31 655.31
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 48685.50 685.50
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 49715.27 715.27
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 50748.81 748.81
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 51781.93 781.93
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 52818.40 818.40
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 53855.30 855.30
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 54895.13 895.13
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 55934.96 934.96
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 56978.14 978.14
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 571021.75 1021.75
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 581068.29 1068.29
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 591091.35 1091.35
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 601137.88 1137.88
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 611178.13 1178.13
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 621204.55 1204.55
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 631237.67 1237.67
64844PA0070142 Rating Area 6 Tobacco User/Non-Tobacco User 64 and over1257.38 1257.38
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 0-14308.41 308.41
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 15308.41 308.41
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 16360.44 360.44
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 17371.35 371.35
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 18383.10 383.10
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 19394.85 394.85
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 20407.02 407.02
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 21419.61 419.61
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 22419.61 419.61
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 23419.61 419.61
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 24419.61 419.61
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 25421.29 421.29
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 26429.68 429.68
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 27439.75 439.75
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 28456.11 456.11
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 29469.54 469.54
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 30476.26 476.26
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 31486.33 486.33
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 32496.40 496.40
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 33502.69 502.69
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 34509.40 509.40
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 35512.76 512.76
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 36516.12 516.12
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 37519.47 519.47
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 38522.83 522.83
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 39529.55 529.55
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 40536.26 536.26
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 41546.33 546.33
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 42555.98 555.98
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 43569.41 569.41
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 44586.19 586.19
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 45605.91 605.91
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 46629.41 629.41
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 47655.85 655.85
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 48686.06 686.06
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 49715.85 715.85
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 50749.42 749.42
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 51782.57 782.57
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 52819.08 819.08
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 53856.00 856.00
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 54895.86 895.86
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 55935.73 935.73
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 56978.95 978.95
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 571022.59 1022.59
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 581069.16 1069.16
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 591092.24 1092.24
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 601138.82 1138.82
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 611179.10 1179.10
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 621205.53 1205.53
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 631238.68 1238.68
64844PA0070142 Rating Area 7 Tobacco User/Non-Tobacco User 64 and over1258.40 1258.40
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 0-14313.49 313.49
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 15313.49 313.49
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 16366.38 366.38
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 17377.47 377.47
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 18389.41 389.41
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 19401.35 401.35
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 20413.72 413.72
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 21426.52 426.52
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 22426.52 426.52
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 23426.52 426.52
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 24426.52 426.52
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 25428.22 428.22
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 26436.75 436.75
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 27446.99 446.99
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 28463.62 463.62
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 29477.27 477.27
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 30484.10 484.10
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 31494.33 494.33
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 32504.57 504.57
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 33510.97 510.97
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 34517.79 517.79
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 35521.20 521.20
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 36524.62 524.62
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 37528.03 528.03
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 38531.44 531.44
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 39538.26 538.26
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 40545.09 545.09
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 41555.33 555.33
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 42565.14 565.14
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 43578.78 578.78
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 44595.84 595.84
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 45615.89 615.89
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 46639.78 639.78
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 47666.65 666.65
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 48697.36 697.36
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 49727.64 727.64
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 50761.76 761.76
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 51795.45 795.45
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 52832.56 832.56
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 53870.10 870.10
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 54910.61 910.61
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 55951.13 951.13
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 56995.06 995.06
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 571039.42 1039.42
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 581086.77 1086.77
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 591110.22 1110.22
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 601157.57 1157.57
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 611198.51 1198.51
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 621225.38 1225.38
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 631259.08 1259.08
64844PA0070142 Rating Area 8 Tobacco User/Non-Tobacco User 64 and over1279.13 1279.13
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 0-14292.56 292.56
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 15292.56 292.56
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 16341.92 341.92
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 17352.27 352.27
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 18363.41 363.41
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 19374.56 374.56
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 20386.10 386.10
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 21398.04 398.04
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 22398.04 398.04
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 23398.04 398.04
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 24398.04 398.04
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 25399.64 399.64
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 26407.60 407.60
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 27417.15 417.15
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 28432.67 432.67
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 29445.41 445.41
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 30451.78 451.78
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 31461.33 461.33
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 32470.89 470.89
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 33476.86 476.86
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 34483.23 483.23
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 35486.41 486.41
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 36489.59 489.59
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 37492.78 492.78
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 38495.96 495.96
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 39502.33 502.33
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 40508.70 508.70
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 41518.25 518.25
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 42527.41 527.41
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 43540.15 540.15
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 44556.07 556.07
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 45574.78 574.78
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 46597.07 597.07
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 47622.14 622.14
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 48650.80 650.80
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 49679.06 679.06
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 50710.91 710.91
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 51742.35 742.35
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 52776.98 776.98
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 53812.01 812.01
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 54849.82 849.82
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 55887.64 887.64
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 56928.64 928.64
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 57970.03 970.03
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 581014.22 1014.22
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 591036.11 1036.11
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 601080.29 1080.29
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 611118.50 1118.50
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 621143.58 1143.58
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 631175.03 1175.03
64844PA0070142 Rating Area 9 Tobacco User/Non-Tobacco User 64 and over1193.73 1193.73
Blair Cambria
Huntingdon Westmoreland
Clearfield Centre
Cumberland Lancaster
Lebanon
Dauphin Schuylkill
Carbon
Cameron
York
Adams
Franklin
Juniata Mifflin
Northumberland
Columbia Montour
Luzerne
Lackawanna
Lehigh
Delaware Fulton
Allegheny
Washington
Butler
Lawrence
Erie
Armstrong
Beaver
Bedford
Berks
Bradford
Bucks
Chester
Clarion Clinton
Crawford
Elk
Fayette
Forest
Greene
Indiana
Jefferson
Lycoming
Mckean
Mercer
Monroe
Montgomery
Northampton
Perry
Philadelphia
Pike
Potter
Snyder
Somerset
Sullivan
Susquehanna Tioga
Union
Venango
Warren
Wayne Wyoming
01/01/2017 Service Area Issuer: Market:
Key (modify as needed) : 2017 on-exchange service area : 2017 off-exchange only service area
Blair Cambria
Huntingdon Westmoreland
Clearfield Centre
Cumberland Lancaster
Lebanon
Dauphin Schuylkill
Carbon
Cameron
York
Adams
Franklin
Juniata Mifflin
Northumberland
Columbia Montour
Luzerne
Lackawanna
Lehigh
Delaware Fulton
Allegheny
Washington
Butler
Lawrence
Erie
Armstrong
Beaver
Bedford
Berks
Bradford
Bucks
Chester
Clarion Clinton
Crawford
Elk
Fayette
Forest
Greene
Indiana
Jefferson
Lycoming
Mckean
Mercer
Monroe
Montgomery
Northampton
Perry
Philadelphia
Pike
Potter
Snyder
Somerset
Sullivan
Susquehanna Tioga
Union
Venango
Warren
Wayne Wyoming
01/01/2018 Service Area Issuer: Market:
Key (modify as needed) : 2018 on-exchange service area : 2018 off-exchange only service area
PA SILVER HMO 5000 80%
Actuarial Value Snapshot
The Actuarial Value Calculator (AV Calculator) is designed to give an estimate of network liability for a given plan design. This build of the AV Calculator uses data from a large national commercial database to build continuance tables by metal tier.
PA SILVER QPOS 5000 80/50
Actuarial Value Snapshot
The Actuarial Value Calculator (AV Calculator) is designed to give an estimate of network liability for a given plan design. This build of the AV Calculator uses data from a large national commercial database to build continuance tables by metal tier.
Justification for Confidentiality Requests
Company Legal Name: Aetna Health, Inc. / Aetna Health Ins. Co. NAIC #: 95109 / 72052 Market: Small Group Off-Exchange Effective Date: 01/01/2018 Avg rate change requested: 5.6% Range of rate change requested: -22.5% to 62.1% Products: HMO, POS Rating Areas: Rating Areas 1-3 and 5-9, certain counties excluded Metal Levels: Silver Current # covered lives: 4,733 Current # policyholders: 2,701 Number of plans offered: 2 HIOS Issuer ID / Binder #: 64844 Rate Filing Tracking Number: AETN-131033648 & AETN-131033632 Policy Form(s): HI SG HCOC-2018 02 & HO SG HCOC-2018 02 Form Filing Tracking Number: AETN-130908211 & AETN-130908220 A.2. RFJ Part III – Actuarial Memorandum Name and contact information are kept confidential to protect actuary identity.
D.6. Actuarial Certifications Name and contact information are kept confidential to protect actuary identity. AV Screenshots AV Screenshots redacted as per Department expectations of a necessary redaction.
SERFF Tracking
Number:
AETN-131033648 State: Pennsylvania
Filing Company: Aetna Health Inc. PA AZ DC DE IN KY MA MD
NV NC OK TN VA WV
State Tracking
Number:
AETN-131033648
Company Tracking
Number:
TOI: H15G Group Health -
Hospital/Surgical/Medical Expense
Sub-TOI: H15G.003 Small
Group Only
Product Name: 2018 PA SG AHI Filing
Project Name:
Objection Letter Status:Pending Industry Response
Objection Letter Date:06/16/2017
Respond By Date:06/23/2017
Submitted Date:06/16/2017 02:17 PM
Introduction: The Pennsylvania Insurance Department has received and conducted a review of the above
captioned filing. In order to complete the review, we are requesting the following information. To facilitate a
timely review, we request this information be provided within 5 business days of the date of this letter.
1. URRT Worksheet 2 does not show any plans as “Renewing” while tab IV of the PA Act Memo Exhibits does
show the mapping of plans occurring. Please provide an explanation for the inconsistency between the
workbooks and which of them is accurate.
2. While we acknowledge the explanation on Page 8 of the Federal Actuarial Memorandum (Act Memo), it is
not clear why there is such a large variation between Worksheet (WS) 1 and WS2 Section III of the URRT.
Specifically, why does the membership shown vary from 430,412 on WS1 to 119,964 on WS2?? We would
expect that the experience period membership would not vary between these sheets. The same concern
follows for the other information creating a ‘WARNING’ on WS2. Please provide an illustration of how these
numbers reconcile and are consistent with the 2018 URRT Instructions.
3. Please correct or justify the discrepancy on Page 2 of PA Act Memo which shows the average rate change
of 11.5%, whereas Table 10, Cell AC15, as referenced in the same section on Page 2 shows 11.0%. There is
a similar discrepancy between the 13.0% in the PA Act Memo and Table 11, Cell AN13.
4. The rate change of 11.0% in Table 10, Cell AC15 includes the mapping of Bronze, Gold, and Platinum
plans to Silver plans. When only Silver-to-Silver plan mapping is considered, the rate change increases to
25.3%. Please quantify all drivers of the 25.3% increase when only Silver-to-Silver plan mapping is
considered.
5. Plans with a Mental Health/Substance Abuse (MH/SA) benefits set to the Specialist cost sharing may not
be Mental Health Parity (MHP) compliant. Please illustrate that the $75 copay on MH/SA is compliant with
MHP regulations.
6. Please provide an explanation for how the AV Calculator (AVC) inputs for the Specialty Drug benefit were
determined when there is different cost sharing between preferred and non-preferred drugs, as shown in
Exhibit A-2.
7. Please provide an explanation and illustration for the calculation of the 0.845 paid-to-allowed ratio for the
Silver plans.
8. Please illustrate the development of the network factors.
9. Please illustrate the development of the trend factor used in Exhibit 12 (~12.1% trend) as it relates to
Exhibit 8 (~10.6% trend); specifically, please show how the leveraging is applied, as noted on Page 5 of the
Federal Act Memo.
10. Please provide numerical support for the trend assumptions shown in Exhibit 8. We understand that
additional considerations are applied other than historical trends as stated in the Act Memos, but please
justify the large discrepancy in historical pharmacy trend with what is being shown in Exhibit 8.
11. Please provide numerical support for the morbidity assumption for both the Actual Experience Data and
Manual Data.
12. Please provide Exhibit 5, as noted on Page 4 of the PA Act Memo.
13. Please show the breakout of the components that make up the ‘other’ adjustment for both the Actual
Experience Data and Manual Data. Clearly illustrate the ‘Change in Network’ is not being double counted, as
the PA Act Memo states the ‘Change in Network’ is included in ‘Change in Other.,’ but Table 5 shows it
applied on its own.
15. Please reconcile the discrepancy between Table 5, Cell C27, which shows $527.02 and Exhibit E-1, Cell
D9, which shows $530.10.
16. Please reconcile the discrepancy between Table 5’s projected risk adjustment which is shown as a
payment of $28.96, compared to Exhibit E-1 which equates to $30.26 ((565.91 – 530.10) * 0.845).
17. Please provide numerical support for the development of the Health Insurer Fee.
18. Please provide an explanation for the increase in the ‘Profit & Risk Load,’ ‘Premium Tax,’ and ‘Federal
Income Tax’ percentages when comparing them to the 2017 filing.
19. Please reconcile the discrepancy between Exhibit 11’s ‘Premium (pmpm)’ of $589.79 compared to URRT
WS1 which shows $586.93.
20. Please reconcile the discrepancy between Exhibit 11’s ‘Medical Cost (pmpm)’ of
$454.75 compared to URRT WS1 which shows $455.35.
21. Please reconcile the discrepancy between Exhibit 11’s ‘Taxes and Fees’ of $55.47 compared to URRT
WS1 which shows $52.13.
22. The Service Area Template included in the Binder indicates that AHI is statewide; however the Service
Area Map included in this rate filing shows 16 counties in which coverage will not be offered in 2018. Please
review and revise.
23. Please confirm the HIOS submission and update the cover letter to include the Binder # in addition to
the HIOS Issuer ID.
24. Please confirm that you have tested to ensure that the PID rate exhibits the Federal rates template
included in this filing and the binder are the same.
25. The Rate/Rule Schedule tab shows 2,701 policy holders while cell V15 of Table 10 shows 4,576 and the
Rate Change Request Summary Attachment shows 4,698 covered lives as of February 1, 2017. Be advised
that the 2018 Guidance, consistent with the 2017 Guidance, states that the policyholders in the Rate/Rule
Schedule tab should show the number of covered lives and that this number should equal the figure shown
in Table 1 and Table 10. Please review the Mapping instructions in section D.3.C and revise.
26. Please provide the experience period data and projection factors used to develop the credibility manual
data, in the same format as Worksheet I, Sections I and II of the URRT.
27. Section F of the Pennsylvania actuarial memorandum indicates that the experience period claims
included in this filing includes AHI (and AHIC) which now includes Health America PA (HAPA). The
experience period claims shown in worksheet I of the Part I URRT should be solely for the named entity
submitting the filing, with the exception of claims related to the offering of POS products which may be
jointly offered. Please explain and revise as appropriate.
28. Please show quantitatively, including an Excel spreadsheet with formulas, the derivation of the --$28.96
Projected Risk Adjustments PMPM amount found in Section III, Worksheet 1 of the URRT and in Table 5 cell
C31. Also provide a detailed narrative that describers the development of the estimated risk adjustment
transfer payment. In demonstrating the development of the transfer payment, please show all risk transfer
formula components, the estimated market-wide average risk assumptions as well as support for those
assumptions. Since this response should include detailed insight into the risk adjustment transfer
methodology, you may redact this response as appropriate.
29. Please show quantitatively the derivation of the trend assumptions for each benefit category as shown in
Table 3b. Please include the sources and source claims data in Table 4b. Also provide a detailed narrative
that explains why this data is appropriate and how it was used in developing the trend, including all
assumptions and adjustments. Also discuss the impact of provider contracting and leveraging on trend. The
specific provider contracting agreement and amount may be redacted, but not aggregate amounts.
30. Table 6, cell B54, indicates the PCORI fee is $0.19. The 2018 PCORI pmpm amount should be $0.20 or
$0.21. Please revise.
31. 2018 projected administrative expenses calculated using the data shown in Table 6 are $58.66 pmpm as
compared to the projected 2017 administrative expenses of $46.03 pmpm calculated similarly and approved
in the previous year’s filing. As this represents an increase of 27.4%, please show the development of and
provide support for all expenses that do not reflect payments made to providers under the contract for
covered medical services. Describe the methodology used for developing the estimate of these non-benefit
expenses expected during the projection period for the applicable market, including any allocation of
corporate overhead.
32. On page 14 of the 2018 Guidance, the department requested data regarding the development of the
Pricing AVs and Induced Demand in Table 10. Please provide this data in Excel.
33. Please show quantitatively, including an Excel spreadsheet with formulas, the development of the age
(1.428) and geographic (.985) calibration factors in cells T4 and T5 of Table 10. Also, state the associated
age.
35. Please show quantitatively, including an Excel spreadsheet with formulas the development of and
discuss the basis for the federal income tax of 2.10% in cell C56 and the Health Insurer Provider Fee of
3.15% in cell C57 of Table 6.
36. Please support the assumption of 0% credibility for the experience data, given the relative volumes of
experience and manual data as shown Tables 4 and 4b.
37. Please show quantitatively, including an Excel spreadsheet with formulas the development of and
discuss the basis for the Change in Morbidity (1.093), Change in Demographics (1.025), Change in Network
(.979) and the Change in Other (.997) in Table 5.
38. Table 6 cell C63 indicates the Single Risk Pool pmpm is $611.27, while the Single risk pool in the URRT
in cell V43 indicates $586.93. Please reconcile.
39. Please show the development of the average commission and circumstances in which broker
commissions will be paid and if they will vary based on geographic location, metal level, plan, open
enrollment vs SEP enrollment, etc. Additionally, the current and 2018 broker agreements should be included
and used to develop the percent shown in Table 6 as well as the associated pmpm dollar amount.
40. Provide a sample calculation of a Consumer Adjusted Premium Rate for age 44 insured, rating area 9,
quarter 2 for HIOS plan numbers 64844PA0060113 (POS) .
41. Provide a sample calculation of a Consumer Adjusted Premium Rate for age 44 insured, rating area 9,
quarter 2 for HIOS plan numbers 64844PA0070135 (HMO).
42. Table 10 column F maps discontinued plans to other 2018 plans; however, the discontinued plans to
which they were mapped do not appear in column B.
Please be advised that there may be additional questions subsequent to your responses to the above. To the
extent that concerns have been raised by the Department in this filing and not in this entity’s other market
or affiliate companies, where the issue exists in the other market or affiliate, please make the appropriate
adjustment and advise in the response to the data call. Data and exhibits in response to this request should
be provided via SERFF in Microsoft Excel spreadsheets (version 2013 or less). Please retain all formulas.
Should you have any questions regarding this correspondence, please contact me at (717) 783-2115.
Conclusion:
Sincerely,
Michael Gurgiolo
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June 23, 2017 Mr. Michael Gurgiolo Actuarial Review Division Bureau of Accident & Health Insurance 1311 Strawberry Square Harrisburg, PA 17120 Subject: Aetna Health Inc. Small Group Rate Filing SERFF # AETN-131033648
Dear Mr. Michael Gurgiolo: Enclosed is additional information related to the items contained in your objection letter dated 06/16/2017 for the above referenced rate filing.
1. URRT Worksheet 2 does not show any plans as “Renewing” while tab IV of the PA Act Memo Exhibits does show the mapping of plans occurring. Please provide an explanation for the inconsistency between the workbooks and which of them is accurate. All members from 2017 are being offered a 2018 plan which is shown in the exhibits. However, the 2018 plan does not meet the UBM mapping requirements of the URRT, therefore it is considered a new plan.
2. While we acknowledge the explanation on Page 8 of the Federal Actuarial Memorandum (Act
Memo), it is not clear why there is such a large variation between Worksheet (WS) 1 and WS2 Section III of the URRT. Specifically, why does the membership shown vary from 430,412 on WS1 to 119,964 on WS2?? We would expect that the experience period membership would not vary between these sheets. The same concern follows for the other information creating a ‘WARNING’ on WS2. Please provide an illustration of how these numbers reconcile and are consistent with the 2018 URRT Instructions.
Worksheet 1icludes the historical experience for the Small Group transitional policies or Keep What You Have. This is consistent with the 2018 URRT instructions (page 13). However, Worksheet 2 does not include these plans.
3. Please correct or justify the discrepancy on Page 2 of PA Act Memo which shows the average
rate change of 11.5%, whereas Table 10, Cell AC15, as referenced in the same section on Page 2 shows 11.0%. There is a similar discrepancy between the 13.0% in the PA Act Memo and Table 11, Cell AN13. The discrepancy has been corrected and updated. Please see “Updated 2018 PA Actuarial Memorandum SG AHI-AHIC”.
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4. The rate change of 11.0% in Table 10, Cell AC15 includes the mapping of Bronze, Gold, and
Platinum plans to Silver plans. When only Silver-to-Silver plan mapping is considered, the rate change increases to 25.3%. Please quantify all drivers of the 25.3% increase when only Silver-to-Silver plan mapping is considered. The drivers of the rate change are:
Trend 11.5% Population Morbidity 6.1% HIF 3.2% Profit 1.9% Other Changes 0.8% Total 25.3%
5. Plans with a Mental Health/Substance Abuse (MH/SA) benefits set to the Specialist cost sharing
may not be Mental Health Parity (MHP) compliant. Please illustrate that the $75 copay on MH/SA is compliant with MHP regulations. Aetna’s plan complies with the “substantially all” and “predominant” tests of the Mental Health Parity and Addiction Equity Act (“MHPAEA”). MHPAEA provides that the financial requirement applicable to behavioral health and substance use disorder benefits must arise from a comparison of all medical and surgical benefits within a given classification. In the case of the “Outpatient- In Network” classification, MHPAEA permits plans to subclassify benefits as “Office Visits,” including specialist, primary care and behavioral health office visits, and “All Other.” In accordance with MHPAEA, for the plan in Aetna’s filing, the cost share for outpatient behavioral health benefits is the “type” applicable to “substantially all” (or at least 2/3 of) medical and surgical benefits within the applicable sub-classification. Further, the “level” (or amount) of any such cost share is no greater than the “predominant” level (or applicable to more than 1/2 of) for medical and surgical benefits. In the case of the plan at issue here, the “substantially all” actuarial analysis set forth in MHPAEA results in a cost share for the behavioral health “outpatient office” sub-classification that aligns in “type” (e.g., copay or coinsurance) with both primary care and specialist office visits. On the other hand, the “predominant” actuarial analysis results in a cost share “level,” or amount, which aligns with specialist office visits, not primary care. When tested on the basis of actuarially-credible data, the Plan passes the substantially all and predominant tests. The BH/SUD cost share type (copay) applies to 85.4% (or substantially all) of the in-network M/S benefits in the office subclassification. Further, the level of that cost share ($75) applies to 85.1% (predominant) of the M/S benefits. In other words, the plan passes the substantially all and predominant tests.
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6. Please provide an explanation for how the AV Calculator (AVC) inputs for the Specialty Drug
benefit were determined when there is different cost sharing between preferred and non-preferred drugs, as shown in Exhibit A-2. When calculating the AV, we entered the preferred tier cost sharing. Weighting between the preferred and non-preferred tiers is not material to the Actuarial Value.
7. Please provide an explanation and illustration for the calculation of the 0.845 paid-to-allowed ratio for the Silver plans. Paid to allowed ratios are based on 2016 experience that is adjusted for the impact of any plan benefit changes based on our internal pricing models and trend deductible-leveraging.
8. Please illustrate the development of the network factors.
The network factors were developed taking into consideration the different level of Out of Network coverage based on proprietary pricing models.
9. Please illustrate the development of the trend factor used in Exhibit 12 (~12.1% trend) as it relates to Exhibit 8 (~10.6% trend); specifically, please show how the leveraging is applied, as noted on Page 5 of the Federal Act Memo. Exhibit 8 uses our projected Allowed trend, while Exhibit 12 uses our projected Paid trend. The only difference between the two is the adjustment for leveraging. We apply an adjustment separately to Inpatient, Outpatient and Physician to appropriately reflect the leveraging impact by cost category.
10. Please provide numerical support for the trend assumptions shown in Exhibit 8. We understand that additional considerations are applied other than historical trends as stated in the Act Memos, but please justify the large discrepancy in historical pharmacy trend with what is being shown in Exhibit 8. Please see Exhibit 8 for the trend components by category. For utilization trends, our trends are determined by studying our national Small Group data. We use a rolling-12 utilization per thousand statistic for a continuous, normalized population, and exclude catastrophic claims. For Unit Costs, we track projected unit cost increases at each facility/provider and develop a weighted average increase based on our volume at each facility location. Pharmacy Unit Cost trend considers the impact of formulary changes, patent expirations, new drugs, and other general market share shifts. It is important to note for both medical and pharmacy unit cost trend, historical unit costs are not indicative of the known changes we include in our forward projections.
11. Please provide numerical support for the morbidity assumption for both the Actual Experience Data and Manual Data. Please see the table below for changes in the average morbidity of the population.
Experience Manual
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Experience Period 0.981
1.071
Projection Period 1.171
1.171
Morbidity Factor 1.194
1.093
*Morbidity factor is developed by taking the Projection Period Factor/Experience Period Factor (1.171/.981 = 1.194)
12. Please provide Exhibit 5, as noted on Page 4 of the PA Act Memo. Please see “Updated PA SG HMO FACT Exhibits.xlsx”.
13. Please show the breakout of the components that make up the ‘other’ adjustment for both the
Actual Experience Data and Manual Data. Clearly illustrate the ‘Change in Network’ is not being double counted, as the PA Act Memo states the ‘Change in Network’ is included in ‘Change in Other.,’ but Table 5 shows it applied on its own. Please see tab ‘Objection 13’ and ‘Objection 13 cont.” of “Objections 6-16-17.xlsx”. The Network change is only utilized in one place in the formula.
15. Please reconcile the discrepancy between Table 5, Cell C27, which shows $527.02 and Exhibit E-
1, Cell D9, which shows $530.10. The discrepancy has been corrected and updated. Please see “Updated PA SG HMO FACT Exhibits.xlsx”.
16. Please reconcile the discrepancy between Table 5’s projected risk adjustment which is shown as a payment of $28.96, compared to Exhibit E-1 which equates to $30.26 ((565.91 – 530.10) * 0.845). Exhibit E-1 provides the risk adjustment value on an allowed bases (before the paid to allowed adjustment) and trended to the midpoint of the projection period for all policies offered in 2018 (not just the first quarter policies as on Worksheet I of the URRT).
17. Please provide numerical support for the development of the Health Insurer Fee.
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We are estimating the Health Insurer Fee to be 3.15% of premium for 2018. The Health Insurer Fee was calculated for Aetna by taking the total dollar value due to the HIF and by estimating our national market share. To calculate this, we used growth assumptions for Aetna by market and compared to industry wide growth assumptions.
18. Please provide an explanation for the increase in the ‘Profit & Risk Load,’ ‘Premium Tax,’ and ‘Federal Income Tax’ percentages when comparing them to the 2017 filing. Profit & Risk Load has been updated to match the long term profit expectations of our national Small Group business. Premium Tax has been updated to include all taxes and assessments from the Commonwealth of Pennsylvania. Federal Income Tax increases as Profit & Risk Load increases.
19. Please reconcile the discrepancy between Exhibit 11’s ‘Premium (pmpm)’ of $589.79 compared to URRT WS1 which shows $586.93. Exhibit 11 has been updated to reflect the correct value of $586.93. The URRT and Exhibit now reconcile. Please see “Updated PA SG HMO FACT Exhibits.xlsx”.
20. Please reconcile the discrepancy between Exhibit 11’s ‘Medical Cost (pmpm)’ of $454.75 compared to URRT WS1 which shows $455.35. The corrected value on Exhibit 11 is $452.27. 0.5% of costs are moved from medicate costs to Taxes and fees to account for the cost of the high risk pool.
21. Please reconcile the discrepancy between Exhibit 11’s ‘Taxes and Fees’ of $55.47 compared to URRT WS1 which shows $52.13. The difference is we are increasing the Taxes and fees by the.5% of premium that was reduced from the Medical Cost for the high risk pool.
22. The Service Area Template included in the Binder indicates that AHI is statewide; however the Service Area Map included in this rate filing shows 16 counties in which coverage will not be offered in 2018. Please review and revise. A revised binder will be submitted. We apologize for the oversight.
23. Please confirm the HIOS submission and update the cover letter to include the Binder # in addition to the HIOS Issuer ID. HIOS was submitted and the Binder tracking number is AETN-PA18-125071664. The cover letter has been updated to reflect this.
24. Please confirm that you have tested to ensure that the PID rate exhibits the Federal rates template included in this filing and the binder are the same. We have confirmed the rates match.
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25. The Rate/Rule Schedule tab shows 2,701 policy holders while cell V15 of Table 10 shows 4,576
and the Rate Change Request Summary Attachment shows 4,698 covered lives as of February 1, 2017. Be advised that the 2018 Guidance, consistent with the 2017 Guidance, states that the policyholders in the Rate/Rule Schedule tab should show the number of covered lives and that this number should equal the figure shown in Table 1 and Table 10. Please review the Mapping instructions in section D.3.C and revise. 2,701 is the number of current policy holders, 4,576 is the number of current covered lives mapped to 2018 plans, and 4,733 is the total covered lives as of February 1, 2017. The Rate/Rule Schedule tab as well as the Rate Change Request Summary Attachment will be updated to match Table 1’s cell D18 and Table 10’s cell AP15 value of 4,733 covered lives. We apologize for the oversight.
26. Please provide the experience period data and projection factors used to develop the credibility
manual data, in the same format as Worksheet I, Sections I and II of the URRT. Please see tab ‘Objection 13’ of “Objections 6-16-17.xlsx”.
27. Section F of the Pennsylvania actuarial memorandum indicates that the experience period claims included in this filing includes AHI (and AHIC) which now includes Health America PA (HAPA). The experience period claims shown in worksheet I of the Part I URRT should be solely for the named entity submitting the filing, with the exception of claims related to the offering of POS products which may be jointly offered. Please explain and revise as appropriate. The AHI and HAPA entities legally merged, therefore it is appropriate to include the experience from both companies.
28. Please show quantitatively, including an Excel spreadsheet with formulas, the derivation of the --$28.96 Projected Risk Adjustments PMPM amount found in Section III, Worksheet 1 of the URRT and in Table 5 cell C31. Also provide a detailed narrative that describers the development of the estimated risk adjustment transfer payment. In demonstrating the development of the transfer payment, please show all risk transfer formula components, the estimated market-wide average risk assumptions as well as support for those assumptions. Since this response should include detailed insight into the risk adjustment transfer methodology, you may redact this response as appropriate. Please see the response to Question 14. As noted above, our projected Risk Adjustment PMPM relied upon the information provided by the Pennsylvania DOI.
29. Please show quantitatively the derivation of the trend assumptions for each benefit category as shown in Table 3b. Please include the sources and source claims data in Table 4b. Also provide a detailed narrative that explains why this data is appropriate and how it was used in developing the trend, including all assumptions and adjustments. Also discuss the impact of provider contracting and leveraging on trend. The specific provider contracting agreement and amount may be redacted, but not aggregate amounts. Please see the response to Question 10 for the derivation of the trend assumption. The data in Table 4b is not appropriate to develop trend assumptions as it has not been normalized for benefit changes, demographic changes, or catastrophic claims. We also develop a prospective
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forward looking trend estimate, rather than a historical view so that we able to appropriately price for the projected claims for the 2018 policies.
30. Table 6, cell B54, indicates the PCORI fee is $0.19. The 2018 PCORI pmpm amount should be $0.20 or $0.21. Please revise. Table 6 had been updated to reflect a $0.20 PCORI pmpm amount.
31. 2018 projected administrative expenses calculated using the data shown in Table 6 are $58.66 pmpm as compared to the projected 2017 administrative expenses of $46.03 pmpm calculated similarly and approved in the previous year’s filing. As this represents an increase of 27.4%, please show the development of and provide support for all expenses that do not reflect payments made to providers under the contract for covered medical services. Describe the methodology used for developing the estimate of these non-benefit expenses expected during the projection period for the applicable market, including any allocation of corporate overhead. PMPM expenses are increasing for two reasons: 1) Some expenses are variable (a percent of premium), therefore as total premiums increase, the PMPM expenses increase; and 2) Other expenses are fixed expenses and the PMPM will increase as our SG ACA membership decreases.
32. On page 14 of the 2018 Guidance, the department requested data regarding the development of the Pricing AVs and Induced Demand in Table 10. Please provide this data in Excel. Please see Question 7 for the development of the Pricing AV. Induced Demand is 1.0 for the plans in this filing.
33. Please show quantitatively, including an Excel spreadsheet with formulas, the development of the age (1.428) and geographic (.985) calibration factors in cells T4 and T5 of Table 10. Also, state the associated age. Please see “Objection 33- Geographic Calibration” tab of “Objections 6-16-17.xlsx”.
35. Please show quantitatively, including an Excel spreadsheet with formulas the development of and discuss the basis for the federal income tax of 2.10% in cell C56 and the Health Insurer Provider Fee of 3.15% in cell C57 of Table 6.
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Please see tab ‘Objection 35’ in “Objections 6-16-17.xlsx”. The Health Insurer Fee was calculated for Aetna by estimating our national market share based on growth assumptions and compared to industry growth assumptions.
36. Please support the assumption of 0% credibility for the experience data, given the relative volumes of experience and manual data as shown Tables 4 and 4b. The manual data is more appropriate as it combines the HMO and PPO experience in the SG ACA single risk pool market, where as the experience data includes transitional policies which were extended through 2018.
37. Please show quantitatively, including an Excel spreadsheet with formulas the development of and discuss the basis for the Change in Morbidity (1.093), Change in Demographics (1.025), Change in Network (.979) and the Change in Other (.997) in Table 5. Please see tab ‘Objection 13 cont. & Obj 37’ in “Objections 6-16-17.xlsx”.
38. Table 6 cell C63 indicates the Single Risk Pool pmpm is $611.27, while the Single risk pool in the URRT in cell V43 indicates $586.93. Please reconcile. Table 6 uses the average of all policies offered through the year, while the URRT Worksheet 1 cell V43 only represents the first quarter policies.
39. Please show the development of the average commission and circumstances in which broker commissions will be paid and if they will vary based on geographic location, metal level, plan, open enrollment vs SEP enrollment, etc. Additionally, the current and 2018 broker agreements should be included and used to develop the percent shown in Table 6 as well as the associated pmpm dollar amount. As noted in our actuarial memorandum, the commission expense factor covers anticipated sales and marketing expenses. Those may include, without limitation, purchase of television, internet and other advertising; payments of commissions and other incentive compensation to Company’s internal sales force; and payment of commissions to external brokers. The exact amounts and distribution among the categories of sales and marketing expenses will depend on a variety of factors including competitive conditions, business strategy, consumer behaviors, and legal and regulatory requirements. The consumer behaviors would capture whether they use a particular distribution channel, commissioned or not, as well as their experience.
40. Provide a sample calculation of a Consumer Adjusted Premium Rate for age 44 insured, rating area 9, quarter 2 for HIOS plan numbers 64844PA0060113 (POS) . The 64844PA0060113 plan will not be offered in 2018. For a sample rate calculation, please see Exhibit 14.
41. Provide a sample calculation of a Consumer Adjusted Premium Rate for age 44 insured, rating area 9, quarter 2 for HIOS plan numbers 64844PA0070135 (HMO).
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The 64844PA0070135 plan will not be offered in 2018. For a sample rate calculation, please see Exhibit 14.
42. Table 10 column F maps discontinued plans to other 2018 plans; however, the discontinued plans to which they were mapped do not appear in column B. The two new plans have been added to Table 10.
Please let us know if you need any additional information to complete your review of this filing. Sincerely, XXXXX, FSA Senior Director, Aetna
Projection Period: 01/01/2018 to 12/31/2018 Mid-point to Mid-point, Exper to Proj: 24 months
Benefit Category IP OP Prof Other Cap RxUtil/1,000 303.39 1,733.66 10,530.75 2,109.49 12,000.00 11,721.22
Development of the Projected Index Rate Manual DataTotal Allowed EHB Claims + EHB Capitation PMPM (net of prescription drug rebates) PMPM 426.60$ Two year trend projection Factor 1.081Unadjusted Projected Allowed EHB Claims PMPM 461.17$ Single Risk Pool Adjustment Factors Change in Morbidity 1.093 Change in Other 1.000 Change in Demographics 1.025 Change in Network 0.979 Change in Benefits 1.000 Change in Other 0.997
1 0% 0.7850 0% 0.7850 2 0% 0.7918 0% 0.7918 3 2% 0.9982 2% 0.9982 4 3% 0.8102 4% 0.8102 Note: 5 0% 0.7800 0% 0.7800 Average Experience Period Area Factor computed 6 5% 0.9830 7% 0.9830 as the weighted average of Experience Period Area 7 14% 0.9838 17% 0.9838 Factors by experience period membership distribution. 8 72% 1.0000 66% 1.0000 9 4% 0.9332 4% 0.9332
Note:Projected Area Factorcomputed as the weighted average of Projection PeriodArea Factors by projected membership distribution.
Note:Area Shift Factor computed as the ratio of the ProjectedMembership by Area over the Experience Membership by AreaFactor represents:The impact due to the shift of the populationdistribution across areas.
Note:Area Factor Change computed as the ratio of the ProjectedArea Factor over the Experience Area Factor both using projected membershipFactor represents:The impact due to cost relativity changes, includingchanges to provider networks and contracts, from the experience period to the rating period.
0.985
Area Shift Factor 0.997
PennsylvaniaAetna Health Inc.
1Q17 Small Group Rates Objection 32: Geographic Calibration
Average Experience Period Area Factor
0.988
Area Factor Change 1.0000
Average Projected Area Factor
0.985 Calibration Factor
Introduction: The Department has the following additional questions regarding the subject filing. To facilitate
a timely review, we request this information be provided within 5 business days of the date of this letter:
1) In reference to response #1, please review Sections ‘2.2.1 Guaranteed Renewability and Uniform
modification of Coverage’ and ‘2.2.2 Plan Mapping Instructions’ beginning on page 25 of the Unified Rate
Review (URR) Instructions. We would expect one or more plans to be listed as ‘Renewing’ in the URR
template in order to avoid a market withdrawal. Please provide support for having all 2018 plans listed as
‘New’ in the URR template while avoiding a market withdrawal or revise the URR template accordingly.
2) In reference to response #2, please include the transitional policies (or Keep What You Have) on
Worksheet 2 of the URR template. Refer to Page 33 of the URR Instructions, under ‘Product,’ which states
“all products included in the single risk pool experience shown on Worksheet 1 must be entered in this
section of Worksheet 2.”
3) In reference to response #9, please illustrate how the paid trend in Exhibit 12 ties to the allowed trend in
Exhibit 8 and show the leveraging impact, including how it was calculated, by cost category.
4) In reference to response #11, please provide further information on how the experience period and
projection period factors were calculated and what the factors represent.
5) In reference to response #13, please illustrate the development of the ‘Area Mix’ and ‘Deductible
Suppression’ factors. In addition, please provide an explanation for what the ‘Deductible Suppression’ factor
represents.
6) In reference to response #14, please illustrate the development of the ‘2018 Net High Risk Pool Prem less
Recoveries’ amount was calculated. How was it determined that the premium paid would be more than the
recoveries received?
7) In reference to response #17, please provide numerical support for the development of the 3.15% Health
Insurer Fee assumption.
8) In regards to response #20 and #21, please provide support for deducting the risk adjustment high risk
pool amount from premium as our understanding is that it is not an allowable adjustment in the MLR
calculation.
9) In regards to response #31, please provide a cross-walk from the projected 2017 administrative expense
amount of $46.03 to the projected 2018 administrative expense amount of $58.66 by the various categories
showing the numerical impact of the two items you mentioned causing the increase in the administrative
expenses.
10) Regarding response #33, please review the heading of the response worksheet with respect to the
rating period and objection #. I note that the response addresses geographic factors but not age factors.
Please provide the requested information regarding the age calibration factors and associated age.
11) Please remove the Total Premium Tax from the filing, including the MCO Assessment.
12) Regarding response #37, please ensure that the factors supported in the Objections 6-16-17 workbook
are consistent with those shown in Table 5, and provide the requested discussion of the development of
these factors.
13) Regarding response #39, the Agent/Broker Fees and Commissions line in Table 6 should include only
scheduled compensation paid to agents and brokers; all other advertising/marketing expenses should be
shown under Administrative Expenses – General and Claims.
If you wish to make adjustments to the projected RA amount included in this rate submission and the URRT,
based on the June 30, 2017 Summary Report on Transitional Reinsurance Payments and Permanent Risk
Adjustment Transfers, please do so. Provide narrative and an Excel spreadsheet demonstrating the
development and assumptions.
In your June 14th response you indicated that corrections would be when the final files are uploaded in
SERFF. Be advised, all revisions must be reflected in this resubmission.
Please provide a PDF file for public review (Public Rate Filing PDF) in SERFF to show the updated rate
request. The following updated supporting items must be included:
• Cover Letter
• Rate Change Request Summary (Attachment 1)
• Part 1 - Unified Rate Review Template (URRT)
• Part II – Consumer Friendly Justification
• Part III – Federal Actuarial Memorandum (redacted)
• PA Actuarial Memorandum (redacted)
• PA Actuarial Memorandum Rate Exhibits
• PA Plan Design Summary and Rate Tables
• Federal Rates Templates
• Service Area Maps
• Correspondence – Q&A’s and supporting exhibits
Please remain cognizant of the limited redactions as outlined on pages 3 and 4 of the 2018 Guidance. Only
those specific items may be redacted. Since AV screenshots and commission schedules are proprietary, they
should not be included in this public PDF. Additionally, please ensure that documents and spreadsheets are
internally consistent and that the Excel exhibit with formula corrections emailed to you on June 6, 2017 is
used. The deadline for the revised PDF is COB July 18, 2017.
July 14, 2017 Mr. Michael Gurgiolo Actuarial Review Division Bureau of Accident & Health Insurance 1311 Strawberry Square Harrisburg, PA 17120 Subject: Aetna Health Inc. Small Group Rate Filing SERFF # AETN-131033648
Dear Mr. Michael Gurgiolo: Enclosed is additional information related to the items contained in your objection letter dated 07/07/2017 for the above referenced rate filing.
1) In reference to response #1, please review Sections ‘2.2.1 Guaranteed Renewability and Uniform modification of Coverage’ and ‘2.2.2 Plan Mapping Instructions’ beginning on page 25 of the Unified Rate Review (URR) Instructions. We would expect one or more plans to be listed as ‘Renewing’ in the URR template in order to avoid a market withdrawal. Please provide support for having all 2018 plans listed as ‘New’ in the URR template while avoiding a market withdrawal or revise the URR template accordingly. Prior CMS guidance deemed carriers discontinuing all current plans to withdraw from a market even if those carriers already filed new plans for the following year. However, because this guidance evidenced a disconnect between traditional market withdrawal concepts and a carrier’s evidence of continued commitment to a market, CMS recently revised its position through a Q&A document. Now, discontinuing all current plans and replacing with all new plans will not be deemed to be a market withdrawal. CMS does specify that carriers cannot use this approach to avoid the rate review process and must apply the reasonable rate review process to the newly filed plans. The applicable excerpt from the Q&A says: To reflect these exceptions to market withdrawal requirements, we proposed to add new paragraph (d)(3) to § 147.106 to provide that an issuer has not discontinued offering all health insurance coverage in a market if the issuer continues to offer and make available a product in the applicable market in a State and subjects the new product to the rate review requirements under part 154 of this title (to the extent otherwise applicable to coverage of the same type and in the same market) as if that part applied to that product, and reasonably identifies a discontinued product that corresponds to the new product for purposes of such rate review. We are finalizing the proposal as proposed by adding § 147.106(d)(3) with minor non-substantive modifications to the structure and text of the regulation, and also making conforming amendments to §§ 146.152(d)(3) and 148.122(e)(4).
2) In reference to response #2, please include the transitional policies (or Keep What You Have) on
Worksheet 2 of the URR template. Refer to Page 33 of the URR Instructions, under ‘Product,’ which states “all products included in the single risk pool experience shown on Worksheet 1 must be entered in this section of Worksheet 2.” We will revise and provide an updated copy of the URRT to reflect the requested revision by COB July 18, 2017.
3) In reference to response #9, please illustrate how the paid trend in Exhibit 12 ties to the allowed trend in Exhibit 8 and show the leveraging impact, including how it was calculated, by cost category. Please see tab ‘Objection 3’ of Objection Response 7-7-17for PA_DOI.xlsx. The leveraging impact was calculated by assessing the impact of fixed member cost share on the overall ratio of paid to allowed claims, after unit cost and utilization trend. Historical levels of paid to allowed changes at the cost category level are used to determine the factor to apply.
4) In reference to response #11, please provide further information on how the experience period and projection period factors were calculated and what the factors represent. The Experience Period factor represents the average morbidity of the population covered during the 2016 historical period. It is calculated based on internal risk scores. The Projection period factors represent the average morbidity we expect in 2018 and was calculated by projecting forward the populations that would be in the single risk pool in 2018.
5) In reference to response #13, please illustrate the development of the ‘Area Mix’ and ‘Deductible Suppression’ factors. In addition, please provide an explanation for what the ‘Deductible Suppression’ factor represents. Please see tabs ‘Objection 5’ of Objection Response 7-7-17 for PA_DOI.xlsx. The deductible suppression factor represents the durational impact of members in the base period not being active for the full 12 months of the year. The result of this is that a higher level of allowed claims is applied to deductible in the base period than would be expected in the projection period. The deductible suppression factor adjusts the base period claims to the expected level for a 12 month contract.
6) In reference to response #14, please illustrate the development of the ‘2018 Net High Risk Pool Prem less Recoveries’ amount was calculated. How was it determined that the premium paid would be more than the recoveries received? We anticipate, based on historical ACA national averaging, that our high risk pool recoveries will be .22% of overall claims. With the expected risk pool premium charge of .5%, we anticipate premium less recoveries to equal .28% of total premium.
7) In reference to response #17, please provide numerical support for the development of the 3.15%
Health Insurer Fee assumption. The 3.15% is calculated based on the national Aetna HIF liability and relies on market share projections in each State. Unfortunately we are not able to publically disclose these detailed market share projection calculations. In prior years, this methodology has produced accurate results.
8) In regards to response #20 and #21, please provide support for deducting the risk adjustment high risk pool amount from premium as our understanding is that it is not an allowable adjustment in the MLR calculation.
We reached out to HHS for clarification on this point, and received the following response: “The pooling charge should be considered a fee, while the recoveries should be reflected in the ‘Allowed Claims which are not the Issuer’s Obligation.”
9) In regards to response #31, please provide a cross-walk from the projected 2017 administrative expense amount of $46.03 to the projected 2018 administrative expense amount of $58.66 by the various categories showing the numerical impact of the two items you mentioned causing the increase in the administrative expenses. Based on Table 6 we agree that 2018 has a calculated administrative expense amount of $58.66. However, using the Table 6 from 2017 and following the same methodology we calculate an administrative expense amount of $58.60. Unfortunately, we are unable to locate the $46.03 referenced above.
10) Regarding response #33, please review the heading of the response worksheet with respect to the rating period and objection #. I note that the response addresses geographic factors but not age factors. Please provide the requested information regarding the age calibration factors and associated age. The heading has been corrected, please see tab Objection 10 (GEO) of the Objection Response 7-7-17 for PA_DOI.xlsx spreadsheet. We have also included development of the age calibration factor, please see ‘Objection 10(AGE)” tab of the Objection Response 7-7-17 for PA_DOI.xlsx spreadsheet. The state associated age is 35.
11) Please remove the Total Premium Tax from the filing, including the MCO Assessment. Federal and Pennsylvania regulations require us to file adequate rates. In Actuarial Standard of Practice #8, this is defined as “Rates may be considered adequate if they provide for payment of claims, administrative expenses, taxes, and regulatory fees and have reasonable contingency or profit margins”. As we are required to pay these taxes and fees, removal of them would prevent us from certifying that we are providing actuarially sound adequate rates. Therefore, these components are still included in our rate development.
12) Regarding response #37, please ensure that the factors supported in the Objections 6-16-17 workbook are consistent with those shown in Table 5, and provide the requested discussion of the development of these factors. The factors are consistent with the ones shown in Table 5. The development of these factors can be seen in the excel workbook previously provided. These factors were developed by: Change in morbidity- The Experience Period factor represents the average morbidity of the population covered during the 2016 historical period. It is calculated based on internal risk scores. The Projection period factors represents the average morbidity we expect in 2018 and was calculated by projecting forward which populations will remain in the single risk pool in 2018. Change in Demographic- The change in demographic factor represents comparing the average demographic profile for the manual membership to the demographic of the projected enrollment in 2018. Change in Network-This factor was developed by comparing the average network factor in the experience period, to the average network factor available in 2018 Change in Other-The components of this factor includes the deductible suppression factor of .997 which is discussed in response to objection 5.
13) Regarding response #39, the Agent/Broker Fees and Commissions line in Table 6 should include
only scheduled compensation paid to agents and brokers; all other advertising/marketing expenses should be shown under Administrative Expenses – General and Claims. We believe we have appropriately bucketed this expense.
If you wish to make adjustments to the projected RA amount included in this rate submission and the URRT, based on the June 30, 2017 Summary Report on Transitional Reinsurance Payments and Permanent Risk Adjustment Transfers, please do so. Provide narrative and an Excel spreadsheet demonstrating the development and assumptions. In your June 14th response you indicated that corrections would be when the final files are uploaded in SERFF. Be advised, all revisions must be reflected in this resubmission. Please provide a PDF file for public review (Public Rate Filing PDF) in SERFF to show the updated rate request. The following updated supporting items must be included: • Cover Letter • Rate Change Request Summary (Attachment 1) • Part 1 - Unified Rate Review Template (URRT) • Part II – Consumer Friendly Justification • Part III – Federal Actuarial Memorandum (redacted) • PA Actuarial Memorandum (redacted) • PA Actuarial Memorandum Rate Exhibits • PA Plan Design Summary and Rate Tables • Federal Rates Templates • Service Area Maps • Correspondence – Q&A’s and supporting exhibits Please remain cognizant of the limited redactions as outlined on pages 3 and 4 of the 2018 Guidance. Only those specific items may be redacted. Since AV screenshots and commission schedules are proprietary, they should not be included in this public PDF. Additionally, please ensure that documents and spreadsheets are internally consistent and that the Excel exhibit with formula corrections emailed to you on June 6, 2017 is used. The deadline for the revised PDF is COB July 18, 2017.
Exhibit 8 Buildup
Service TypeClaim Distribution Utilization Unit Cost
Area Shift (Mix) Factor computed as the ratio of the Projected Membership by Area over the Manual Membership by Area Factor represents: The impact due to the shift of the population distribution across areas.
Aetna Health Inc. (a PA corp.)HIOS ISSUER ID: 64844
1 0% 0.7850 0% 0.7850 2 0% 0.7918 0% 0.7918 3 2% 0.9982 2% 0.9982 4 3% 0.8102 4% 0.8102 Note: 5 0% 0.7800 0% 0.7800 Average Experience Period Area Factor computed 6 5% 0.9830 7% 0.9830 as the weighted average of Experience Period Area 7 14% 0.9838 17% 0.9838 Factors by experience period membership distribution. 8 72% 1.0000 66% 1.0000 9 4% 0.9332 4% 0.9332
Note:Projected Area Factorcomputed as the weighted average of Projection PeriodArea Factors by projected membership distribution.
Note:Area Shift Factor computed as the ratio of the ProjectedMembership by Area over the Experience Membership by AreaFactor represents:The impact due to the shift of the populationdistribution across areas.
Note:Area Factor Change computed as the ratio of the ProjectedArea Factor over the Experience Area Factor both using projected membershipFactor represents:The impact due to cost relativity changes, includingchanges to provider networks and contracts, from the experience period to the rating period.
Area Factor 1.0000
Average Projected
Area Factor
0.985 Calibration Factor 0.985
Area Shift 0.997
PennsylvaniaAetna Health Inc.
1Q18 Small Group Rates Objection 10: Geographic Calibration
Average Experience Period
Area
0.988
All Members Age 0-20 $0 Prem MMs Rated MembersMember Months 56,796 646 56,150
Age Calibration Factor 1.437 1.437 1.428Age Gender of Rated Mems 1.437 0.782
Objection 10: Age Calibration1Q18 Small Group Rates
Aetna Health Inc.Pennsylvania
Objection Letter Status:Pending Industry Response
Objection Letter Date:07/19/2017
Respond By Date:07/20/2017
Submitted Date:07/19/2017 09:00 AM Dear Allegra Sciandra,
Introduction:
The following items are in reference to the responses dated July 14, 2017. Please submit your responses for
the Department’s consideration by 10:00 on July 20, 2017:
1. In reference to response #3, please provide greater detail on the development of the projection period
morbidity factors. Please demonstrate how you projected forward the populations that would be in the single
risk pool in 2018.
2. In reference to response #4, the trend appears to be higher than expected. Please clearly address the
following to ensure the trend assumption is fully supported:
a. Please provide an exhibit showing the original PMPMs, all distinct normalization factors broken out (i.e.,
age, gender, plan benefits, risk, etc.), and the resulting normalized PMPM used in the trend development.
b. Please confirm there is no margin being applied to the trend.
c. Please provide a demonstration of how the leveraging is developed for both medical and RX.
July 20, 2017 Mr. Michael Gurgiolo Actuarial Review Division Bureau of Accident & Health Insurance 1311 Strawberry Square Harrisburg, PA 17120 Subject: Aetna Health Inc. Small Group Rate Filing SERFF # AETN-131033648 Dear Mr. Michael Gurgiolo: Enclosed is additional information related to the items contained in your objection letter dated 07/19/2017 for the above referenced rate filing.
1. In reference to response #3, please provide greater detail on the development of the projection period morbidity factors. Please demonstrate how you projected forward the populations that would be in the single risk pool in 2018. Please see tab 1 of the ‘AHI Objection Responses 7-19-17.xlsx’
2. In reference to response #4, the trend appears to be higher than expected. Please clearly address the following to ensure the trend assumption is fully supported: a. Please provide an exhibit showing the original PMPMs, all distinct normalization factors
broken out (i.e., age, gender, plan benefits, risk, etc.), and the resulting normalized PMPM used in the trend development. Please see tab’ 2’ of ‘AHI Objection 7-19-17.xlsx’ file.
b. Please confirm there is no margin being applied to the trend. We confirm there is not margin being applied to the trend.
c. Please provide a demonstration of how the leveraging is developed for both medical and RX. Leveraging for medical and pharmacy is developed using the Milliman Health Cost Guidelines Deductible Leveraging table. Based on the average deductible, a load factor is applied to the allowed trend to calculate the paid trend. An example is below. Allowed Trend = 10.0% Average Deductible = $2,000 Lookup From Deductible Leveraging Table for $2,000 = 1.15 Leveraging Trend = (1 + Allowed Trend * Deductible Lookup)/(1+Allowed Trend) – 1 Leveraging Trend = (1 + 0.1*1.15)/(1+ 0.1) – 1 = 1.3% Paid Trend = (1 + Allowed Trend) * (1 + Leveraging Trend) – 1 Paid Trend = (1 + 10%) * (1 + 1.3%) – 1 = 11.5%
Please let us know if you need any additional information to complete your review of this filing. Sincerely, XXXXXXXX, ASA, MAAA Actuarial Manager, Aetna
August 8, 2017 Ms. Cherri Sanders-Jones Actuarial Review Division Bureau of Accident & Health Insurance 1311 Strawberry Square Harrisburg, PA 17120 Subject: Aetna Health Inc. Small Group Rate Filing SERFF # AETN-131033648 Dear Ms. Cherri Sanders-Jones: Enclosed is additional information related to the items contained in your objection letter dated 08/07/2017 for the above referenced rate filing.
1. Regarding morbidity, please provide the data and your analysis that supports the statement that the average morbidity of the your block has deteriorated 7% since December 2016. In your analysis show how this is being driven by new or existing membership. In the most recent filing objection, we provided the support for our development of the morbidity assumption, as shown in rows 14-20 of the Excel file, Morbidity Explanation.xlsx. In this exhibit, we are implying that the morbidity of our block of business would deteriorate by approximately 5.5% for the full year of 2017. Based on our most recent available information, we have seen our block deteriorate by 6.8% in the first six months of 2017. This is driven by a few different factors as shown in rows 23-29 of the Excel file: • Higher termination rate than projected • Lower new sales than projected • Lower morbidity of termed members than expected As the morbidity of our block has already shown more deterioration in the first six months of 2017 than we had projected for the full year in 2017, we feel that the factors applied in our rate development are appropriate. As is shown in rows 31-35 of the Excel file, our 9.3% change in morbidity assumption is within the range of what we would use if we were to develop rates based on the most updated information.
2. Regarding the payment of state income taxes, in reviewing the 2016 annual statement we note that Aetna received a $2.26 million tax refund in the PA small group market. It appears that Aetna has used past losses or overpayments to offset 2016 payments. To what extent, will these historical losses be utilized to offset gains in 2017 and in 2018? Our statutory files contain a reconciliation between estimated income tax payments that were made throughout the year, and the actual tax that we owe. In our rate development, we include the state income tax as a percent of premium for the period the rates are being developed.
Please let us know if you need any additional information to complete your review of this filing.
