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{"sheet":"Wksh 1 - Market Experience","index":0,"n_rows":49,"n_cols":24,"rows_kept":49,"cut":false,"hidden":false,"merged":[[110,0,110,14],[48,1,48,16],[21,11,21,12]]}
[null,"Unified Rate Review v2.0.4"]
[]
[null,"Company Legal Name:",null,null,null,null,"State:"]
[null,"HIOS Issuer ID:",null,null,null,null,"Market: "]
[null,"Effective Date of Rate Change(s):"]
[]
[]
[null,"Market Level Calculations (Same for all Plans)"]
[]
[]
[null,"Section I: Experience period data"]
[null,"Experience Period:",null,null,null,"to",{"$f":"EDATE(E12,12)-1","v":"1900-12-30"}]
[null,null,null,null,null,"Experience Period Aggregate Amount","PMPM","% of Prem"]
[null,"Premiums (net of MLR Rebate) in Experience Period:",null,null,null,null,{"$f":"+F14/$F$18","v":{"$error":"#DIV/0!"}},{"$f":"+G14/$G$14","v":{"$error":"#DIV/0!"}}]
[null,"Incurred Claims in Experience Period ",null,null,null,null,{"$f":"+F15/$F$18","v":{"$error":"#DIV/0!"}},{"$f":"+G15/$G$14","v":{"$error":"#DIV/0!"}}]
[null,"Allowed Claims:",null,null,null,null,{"$f":"+F16/$F$18","v":{"$error":"#DIV/0!"}},{"$f":"+G16/$G$14","v":{"$error":"#DIV/0!"}}]
[null,"Index Rate of Experience Period"]
[null,"Experience Period Member Months"]
[]
[null,"Section II: Allowed Claims, PMPM basis"]
[null,null,null,null,"Experience Period ",null,null,null,null,null,"Projection Period:",{"$f":"E5","v":"00:00:00"},"to",null,{"$f":"EDATE(L21,12)-1","v":"1900-12-30"},null,null,null,"Mid-point to Mid-point, Experience to Projection:",{"$f":"ROUND((AVERAGE(L21,O21)-AVERAGE(E12,G12))/(365/12),0)","v":-6}," months"]
[null,null,null,null,"on Actual Experience Allowed",null,null,null,null,"Adj't.  from Experience to Projection Period",null,"Annualized Trend Factors",null,null,"Projections, before credibility Adjustment",null,null,"Credibility Manual"]
[null,null,"Benefit Category",null,"Utilization Description","Utilization per 1,000","Average Cost/Service"," PMPM",null,"Pop'l risk Morbidity","Other","Cost         ","Util",null,"Utilization per 1,000","Average Cost/Service"," PMPM","Utilization per 1,000","Average Cost/Service","PMPM"]
[null,null,"Inpatient Hospital",null,null,null,null,{"$f":"F24*G24/12000","v":0},null,null,null,null,null,null,{"$f":"F24*(M24)^($T$21/12)*J24","v":{"$error":"#DIV/0!"}},{"$f":"G24*(L24)^($T$21/12)*K24","v":{"$error":"#DIV/0!"}},{"$f":"O24*P24/12000","v":{"$error":"#DIV/0!"}},null,null,{"$f":"R24*S24/12000","v":0}]
[null,null,"Outpatient Hospital",null,null,null,null,0,null,null,null,null,null,null,{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},null,null,0]
[null,null,"Professional",null,null,null,null,0,null,null,null,null,null,null,{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},null,null,0]
[null,null,"Other Medical",null,null,null,null,0,null,null,null,null,null,null,{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},null,null,0]
[null,null,"Capitation",null,null,null,null,0,null,null,null,null,null,null,{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},null,null,0]
[null,null,"Prescription Drug",null,null,null,null,0,null,null,null,null,null,null,{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},{"$error":"#DIV/0!"},null,null,0]
[null,null,"Total",null,null,null,null,{"$f":"SUM(H24:H29)","v":0},null,null,null,null,null,null,null,null,{"$f":"SUM(Q24:Q29)","v":{"$error":"#DIV/0!"}},null,null,{"$f":"SUM(T24:T29)","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"After Credibility",null,"Projected Period Totals"]
[null,"Section III: Projected Experience:",null,null,null,null,null,"Projected Allowed Experience Claims PMPM (w/applied credibility if applicable)",null,null,null,null,null,null,null,null,null,null,null,{"$f":"1-Q32","v":1},null,{"$f":"Q30*Q32+(1-Q32)*T30","v":{"$error":"#DIV/0!"}},null,{"$f":"+$X$47*V32","v":{"$error":"#DIV/0!"}}]
[null,null,null,null,null,null,null,null,null,"Paid to Allowed Average Factor in Projection Period"]
[null,null,null,null,null,null,null,null,null,"Projected Incurred Claims, before ACA rein & Risk Adj't,  PMPM",null,null,null,null,null,null,null,null,null,null,null,{"$f":"+V32*V33","v":{"$error":"#DIV/0!"}},null,{"$f":"+$X$47*V34","v":{"$error":"#DIV/0!"}}]
[null,null,null,null,null,null,null,null,null,"Projected Risk Adjustments PMPM",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+$X$47*V35","v":0}]
[null,null,null,null,null,null,null,null,null,"     Projected Incurred Claims, before reinsurance recoveries, net of rein prem, PMPM",null,null,null,null,null,null,null,null,null,null,null,{"$f":"+V34-V35","v":{"$error":"#DIV/0!"}},null,{"$f":"+$X$47*V36","v":{"$error":"#DIV/0!"}}]
[null,null,null,null,null,null,null,null,null,"Projected ACA reinsurance recoveries, net of rein prem, PMPM",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+$X$47*V37","v":0}]
[null,null,null,null,null,null,null,"Projected Incurred Claims",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+V34-V35-V37","v":{"$error":"#DIV/0!"}},null,{"$f":"+$X$47*V38","v":{"$error":"#DIV/0!"}}]
[]
[null,null,null,null,null,null,null,"Administrative Expense Load",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+T40*$V$43","v":{"$error":"#DIV/0!"}},null,{"$f":"+$X$47*V40","v":{"$error":"#DIV/0!"}}]
[null,null,null,null,null,null,null,"Profit & Risk Load",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+T41*$V$43","v":{"$error":"#DIV/0!"}},null,{"$f":"+$X$47*V41","v":{"$error":"#DIV/0!"}}]
[null,null,null,null,null,null,null,"Taxes & Fees",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"+T42*$V$43","v":{"$error":"#DIV/0!"}},null,{"$f":"+$X$47*V42","v":{"$error":"#DIV/0!"}}]
[null,null,null,null,null,null,null,"Single Risk Pool Gross Premium Avg. Rate, PMPM",null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"($V$38/(1-T40-T41-T42))","v":{"$error":"#DIV/0!"}},null,{"$f":"+$X$47*V43","v":{"$error":"#DIV/0!"}}]
[null,null,null,null,null,null,null,"Index Rate for Projection Period"]
[null,null,null,null,null,null,null,null,null,"% increase over Experience Period",null,null,null,null,null,null,null,null,null,null,null,{"$f":"((V43-G14)/G14)","v":{"$error":"#DIV/0!"}}]
[null,null,null,null,null,null,null,null,null,"% Increase, annualized:",null,null,null,null,null,null,null,null,null,null,null,{"$f":"(1+V45)^(1/(T21/12))-1","v":{"$error":"#DIV/0!"}}]
[null,null,null,null,null,null,null,"Projected Member Months"]
[]
[null,"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.  "]

{"sheet":"Wksh 2 - Plan Product Info","index":1,"n_rows":100,"n_cols":28,"rows_kept":100,"cut":false,"hidden":false,"merged":[[59,3,66,3],[79,3,84,3],[85,3,90,3],[4,8,4,10],[53,3,58,3]]}
[null,null,null,null,"Product-Plan Data Collection"]
[]
[null,null,null,null,"Company Legal Name:",null,null,null,{"$f":"IF('Wksh 1 - Market Experience'!E3<>\"\", 'Wksh 1 - Market Experience'!E3,\"\")","v":""},null,null,null,null,null,null,"State:",{"$f":"IF('Wksh 1 - Market Experience'!H3=\"\",\"\",'Wksh 1 - Market Experience'!H3)","v":""}]
[null,null,null,null,"HIOS Issuer ID:",null,null,null,{"$f":"IF('Wksh 1 - Market Experience'!E4<>\"\",'Wksh 1 - Market Experience'!E4,\"\")","v":""},null,null,null,null,null,null,"Market: ",{"$f":"IF('Wksh 1 - Market Experience'!H4=\"\",\"\",'Wksh 1 - Market Experience'!H4)","v":""}]
[null,null,null,null,"Effective Date of Rate Change(s):",null,null,null,{"$f":"IF('Wksh 1 - Market Experience'!E5<>\"\",'Wksh 1 - Market Experience'!E5,\"\")","v":""}]
[]
[]
[null,null,null,null,"Product/Plan Level Calculations"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"    "]
[null,null,null,null,"Section I: General Product and Plan Information"]
[null,null,null,null,"Product"]
[null,null,null,null,"Product ID:"]
[null,null,null,null,"Metal:"]
[null,null,null,null,"AV Metal Value"]
[null,null,null,null,"AV Pricing Value"]
[null,null,null,null,"Plan Type:"]
[null,null,null,null,"Plan Name"]
[null,null,null,null,"Plan ID (Standard Component ID):"]
[null,null,null,null,"Exchange Plan?"]
[null,null,null,null,"Historical Rate Increase - Calendar Year - 2"]
[null,null,null,null,"Historical Rate Increase - Calendar Year - 1"]
[null,null,null,null,"Historical Rate Increase - Calendar Year 0"]
[null,null,null,null,"Effective Date of Proposed Rates"]
[null,null,null,null,"Rate Change % (over prior filing)"]
[null,null,null,null,"Cum'tive Rate Change %  (over 12 mos prior)"]
[null,null,null,null,"Proj'd Per Rate Change %  (over Exper. Period)"]
[null,null,null,null,"Product Threshold Rate Increase %"]
[]
[null,null,null,null,"Section II: Components of Premium Increase (PMPM Dollar Amount above Current Average Rate PMPM)"]
[]
[null,null,null,null,"Plan ID (Standard Component ID):","Total"]
[null,null,null,null,"Inpatient",{"$f":"SUMPRODUCT(#REF!,#REF!)/$F$55","v":{"$error":"#REF!"}}]
[null,null,null,null,"Outpatient",{"$f":"SUMPRODUCT(#REF!,#REF!)/$F$55","v":{"$error":"#REF!"}}]
[null,null,null,null,"Professional",{"$f":"SUMPRODUCT(#REF!,#REF!)/$F$55","v":{"$error":"#REF!"}}]
[null,null,null,null,"Prescription Drug ",{"$f":"SUMPRODUCT(#REF!,#REF!)/$F$55","v":{"$error":"#REF!"}}]
[null,null,null,null,"Other",{"$f":"SUMPRODUCT(#REF!,#REF!)/$F$55","v":{"$error":"#REF!"}}]
[null,null,null,null,"Capitation",{"$f":"SUMPRODUCT(#REF!,#REF!)/$F$55","v":{"$error":"#REF!"}}]
[null,null,null,null,"Administration",{"$f":"SUMPRODUCT(#REF!,#REF!)/$F$55","v":{"$error":"#REF!"}}]
[null,null,null,null,"Taxes & Fees",{"$f":"SUMPRODUCT(#REF!,#REF!)/$F$55","v":{"$error":"#REF!"}}]
[null,null,null,null,"Risk & Profit Charge",{"$f":"SUMPRODUCT(#REF!,#REF!)/$F$55","v":{"$error":"#REF!"}}]
[null,null,null,null,"Total Rate Increase",{"$f":"SUMPRODUCT(#REF!,#REF!)/$F$55","v":{"$error":"#REF!"}}]
[null,null,null,null,"Member Cost Share Increase",{"$f":"SUMPRODUCT(#REF!,#REF!)/$F$55","v":{"$error":"#REF!"}}]
[]
[]
[null,null,null,null,"Average Current Rate PMPM",{"$f":"SUMPRODUCT(#REF!,#REF!)/SUM(#REF!)","v":{"$error":"#REF!"}}]
[null,null,null,null,"Projected Member Months",{"$f":"SUM(#REF!)","v":{"$error":"#REF!"}}]
[]
[]
[]
[null,null,null,"Section III: Experience Period Information"]
[]
["Warning Alert","Wsht 1 Total",null,null,"Plan ID (Standard Component ID):",{"$f":"F32","v":"Total"}]
[{"$f":"IF(ABS(B54/F54-1)<0.02,\"OK\",\"WARNING\")","v":{"$error":"#DIV/0!"}},{"$f":"+'Wksh 1 - Market Experience'!G14","v":{"$error":"#DIV/0!"}},null,"Premium Information","Plan Adjusted Index Rate",{"$f":"SUMPRODUCT(#REF!,#REF!)/SUM(#REF!)","v":{"$error":"#REF!"}}]
[{"$f":"IF(ABS(B55/F55-1)<0.02,\"OK\",\"WARNING\")","v":{"$error":"#REF!"}},{"$f":"+'Wksh 1 - Market Experience'!F18","v":0},null,null,"Member Months",{"$f":"SUM(#REF!)","v":{"$error":"#REF!"}}]
[{"$f":"IF(ABS(B56/F56-1)<0.02,\"OK\",\"WARNING\")","v":{"$error":"#REF!"}},{"$f":"+'Wksh 1 - Market Experience'!F14","v":0},null,null,"Total Premium (TP)",{"$f":"SUM(#REF!)","v":{"$error":"#REF!"}}]
[null,null,null,null,"EHB Percent of TP, [see instructions]",{"$f":"SUMPRODUCT(#REF!,#REF!)/$F$56","v":{"$error":"#REF!"}}]
[null,null,null,null,"state mandated benefits portion of TP that are other than EHB",{"$f":"SUMPRODUCT(#REF!,#REF!)/$F$56","v":{"$error":"#REF!"}}]
[null,null,null,null,"Other benefits portion of TP",{"$f":"1-F57-F58","v":{"$error":"#REF!"}}]
[{"$f":"IF(ABS(B60/F60-1)<0.02,\"OK\",\"WARNING\")","v":{"$error":"#REF!"}},{"$f":"+'Wksh 1 - Market Experience'!F16","v":0},null,"Claims Information","Total Allowed Claims (TAC)",{"$f":"SUM(#REF!)","v":{"$error":"#REF!"}}]
[null,null,null,null,"EHB Percent of TAC, [see instructions]",{"$f":"SUMPRODUCT(#REF!,#REF!)/$F$60","v":{"$error":"#REF!"}}]
[null,null,null,null,"state mandated benefits portion of TAC that are other than EHB",{"$f":"SUMPRODUCT(#REF!,#REF!)/$F$60","v":{"$error":"#REF!"}}]
[null,null,null,null,"Other benefits portion of TAC",{"$f":"1-F61-F62","v":{"$error":"#REF!"}}]
[null,null,null,null," Allowed Claims which are not the issuer's obligation:",{"$f":"SUM(#REF!)","v":{"$error":"#REF!"}}]
[null,null,null,null,"Portion of above payable by HHS's funds on behalf of insured person, in dollars",{"$f":"SUM(#REF!)","v":{"$error":"#REF!"}}]
[null,null,null,null,"Portion of above payable by HHS on behalf of insured person, as %",{"$f":"+F65/F64","v":{"$error":"#REF!"}}]
[{"$f":"IF(ABS(B67/F67-1)<0.02,\"OK\",\"WARNING\")","v":{"$error":"#REF!"}},{"$f":"+'Wksh 1 - Market Experience'!F15","v":0},null,null,"Total Incurred claims, payable with issuer funds",{"$f":"SUM(#REF!)","v":{"$error":"#REF!"}}]
[]
[null,null,null,null,"   Net Amt of Rein",{"$f":"SUM(#REF!)","v":{"$error":"#REF!"}}]
[null,null,null,null,"   Net Amt of Risk Adj",{"$f":"SUM(#REF!)","v":{"$error":"#REF!"}}]
[]
[{"$f":"IF(ABS(B72/F72-1)<0.02,\"OK\",\"WARNING\")","v":{"$error":"#DIV/0!"}},{"$f":"+'Wksh 1 - Market Experience'!G15","v":{"$error":"#DIV/0!"}},null,null,"Incurred Claims  PMPM",{"$f":"+F67/F55","v":{"$error":"#REF!"}}]
[{"$f":"IF(ABS(B73/F73-1)<0.02,\"OK\",\"WARNING\")","v":{"$error":"#DIV/0!"}},{"$f":"+'Wksh 1 - Market Experience'!G16","v":{"$error":"#DIV/0!"}},null,null,"Allowed Claims PMPM",{"$f":"+F60/F55","v":{"$error":"#REF!"}}]
[null,null,null,null,"EHB portion of Allowed Claims, PMPM",{"$f":"+F73*F61","v":{"$error":"#REF!"}}]
[]
[]
[null,null,null,"Section IV: Projected (12 months following effective date)"]
[]
["Warning Alert","Wsht 1 Total",null,null,"Plan ID (Standard Component ID):",{"$f":"F53","v":"Total"}]
[{"$f":"IF(ABS(B80/F80-1)<0.02,\"OK\",\"WARNING\")","v":{"$error":"#DIV/0!"}},{"$f":"+'Wksh 1 - Market Experience'!V43","v":{"$error":"#DIV/0!"}},null,"Premium Information","Plan Adjusted Index Rate",{"$f":"SUMPRODUCT(#REF!,#REF!)/SUM(#REF!)","v":{"$error":"#REF!"}}]
[{"$f":"IF(ABS(B81/F81-1)<0.02,\"OK\",\"WARNING\")","v":{"$error":"#REF!"}},{"$f":"+'Wksh 1 - Market Experience'!X47","v":0},null,null,"Member Months",{"$f":"SUM(#REF!)","v":{"$error":"#REF!"}}]
[{"$f":"IF(ABS(B82/F82-1)<0.02,\"OK\",\"WARNING\")","v":{"$error":"#DIV/0!"}},{"$f":"+'Wksh 1 - Market Experience'!X43","v":{"$error":"#DIV/0!"}},null,null,"Total Premium (TP)",{"$f":"SUM(#REF!)","v":{"$error":"#REF!"}}]
[null,null,null,null,"EHB Percent of TP, [see instructions]",{"$f":"SUMPRODUCT(#REF!,#REF!)/$F$82","v":{"$error":"#REF!"}}]
[null,null,null,null,"state mandated benefits portion of TP that are other than EHB",{"$f":"SUMPRODUCT(#REF!,#REF!)/$F$82","v":{"$error":"#REF!"}}]
[null,null,null,null,"Other benefits portion of TP",{"$f":"1-F83-F84","v":{"$error":"#REF!"}}]
[{"$f":"IF(ABS(B86/F86-1)<0.02,\"OK\",\"WARNING\")","v":{"$error":"#DIV/0!"}},{"$f":"'Wksh 1 - Market Experience'!X32","v":{"$error":"#DIV/0!"}},null,"Claims Information","Total Allowed Claims (TAC)",{"$f":"SUM(#REF!)","v":{"$error":"#REF!"}}]
[null,null,null,null,"EHB Percent of TAC, [see instructions]",{"$f":"SUMPRODUCT(#REF!,#REF!)/$F$86","v":{"$error":"#REF!"}}]
[null,null,null,null,"state mandated benefits portion of TAC that are other than EHB",{"$f":"SUMPRODUCT(#REF!,#REF!)/$F$86","v":{"$error":"#REF!"}}]
[null,null,null,null,"Other benefits portion of TAC",{"$f":"1-F87-F88","v":{"$error":"#REF!"}}]
[null,null,null,null," Allowed Claims which are not the issuer's obligation",{"$f":"SUM(#REF!)","v":{"$error":"#REF!"}}]
[null,null,null,null,"Portion of above payable by HHS's funds on behalf of insured person, in dollars",{"$f":"SUM(#REF!)","v":{"$error":"#REF!"}}]
[null,null,null,null,"Portion of above payable by HHS on behalf of insured person, as %",{"$f":"+F91/F90","v":{"$error":"#REF!"}}]
[{"$f":"IF(ABS(B93/F93-1)<0.02,\"OK\",\"WARNING\")","v":{"$error":"#DIV/0!"}},{"$f":"+'Wksh 1 - Market Experience'!X38","v":{"$error":"#DIV/0!"}},null,null,"Total Incurred claims, payable with issuer funds",{"$f":"SUM(#REF!)","v":{"$error":"#REF!"}}]
[]
[{"$f":"IF(ABS(B95/F95-1)<0.02,\"OK\",\"WARNING\")","v":{"$error":"#REF!"}},{"$f":"'Wksh 1 - Market Experience'!X37","v":0},null,null,"   Net Amt of Rein",{"$f":"SUM(#REF!)","v":{"$error":"#REF!"}}]
[null,null,null,null,"   Net Amt of Risk Adj",{"$f":"SUM(#REF!)","v":{"$error":"#REF!"}}]
[]
[{"$f":"IF(ABS(B98/F98-1)<0.02,\"OK\",\"WARNING\")","v":{"$error":"#DIV/0!"}},{"$f":"+'Wksh 1 - Market Experience'!V38","v":{"$error":"#DIV/0!"}},null,null,"Incurred Claims  PMPM",{"$f":"+F93/F81","v":{"$error":"#REF!"}}]
[{"$f":"IF(ABS(B99/F99-1)<0.02,\"OK\",\"WARNING\")","v":{"$error":"#DIV/0!"}},{"$f":"+'Wksh 1 - Market Experience'!V32","v":{"$error":"#DIV/0!"}},null,null,"Allowed Claims PMPM",{"$f":"+F86/F81","v":{"$error":"#REF!"}}]
[null,null,null,null,"EHB portion of Allowed Claims, PMPM",{"$f":"+F99*F87","v":{"$error":"#REF!"}}]

{"sheet":"PlanTemplate","index":2,"n_rows":100,"n_cols":17,"rows_kept":100,"cut":false,"hidden":true,"merged":[[53,3,58,3],[59,3,66,3],[79,3,84,3],[85,3,90,3],[4,8,4,10]]}
[null,null,null,null,"Product-Plan Data Collection"]
[]
[null,null,null,null,"Company Legal Name:",null,null,null,{"$f":"'Wksh 1 - Market Experience'!E3","v":0},null,null,null,null,null,null,"State:",{"$f":"'Wksh 1 - Market Experience'!H3","v":0}]
[null,null,null,null,"HIOS Issuer ID:",null,null,null,{"$f":"'Wksh 1 - Market Experience'!E4","v":0},null,null,null,null,null,null,"Market: ",{"$f":"'Wksh 1 - Market Experience'!H4","v":0}]
[null,null,null,null,"Effective Date of Rate Change(s):",null,null,null,{"$f":"'Wksh 1 - Market Experience'!E5","v":"00:00:00"}]
[]
[]
[null,null,null,null,"Product/Plan Level Calculations"]
[]
[]
[null,null,null,null,"Section I:"]
[null,null,null,null,"Product",null,null,null,null,"Benefit Period","Visits","Visits","Admits","AL"]
[null,null,null,null,"Product ID:",null,null,null,null,"Visits","Services","Services","Days","AK"]
[null,null,null,null,"Metal:",null,null,null,null,"Services","Prescriptions","Other","Visits","AZ"]
[null,null,null,null,"AV Metal Value",null,null,null,null,"Other","Other",null,"Services","AR"]
[null,null,null,null,"AV Pricing Value",null,null,null,null,null,null,null,"Other","CA"]
[null,null,null,null,"Plan Type:",null,null,null,null,null,null,null,null,"CO"]
[null,null,null,null,"Plan Name",null,null,null,null,null,null,null,null,"CT"]
[null,null,null,null,"Plan ID:",null,null,null,null,null,null,null,null,"DE"]
[null,null,null,null,"Exchange Plan?",null,null,null,null,null,null,null,null,"DC"]
[null,null,null,null,"Historical Rate Increase - Calendar Year - 2",null,null,null,null,null,null,null,null,"FL"]
[null,null,null,null,"Historical Rate Increase - Calendar Year - 1",null,null,null,null,null,null,null,null,"GA"]
[null,null,null,null,"Historical Rate Increase - Calendar Year 0",null,null,null,null,null,null,null,null,"HI"]
[null,null,null,null,"Effective Date of Proposed Rates",null,null,null,null,null,null,null,null,"ID"]
[null,null,null,null,"Rate Change % (over prior filing)",null,null,null,null,null,null,null,null,"IL"]
[null,null,null,null,"Cum'tive Rate Change %  (over 12 mos prior)",null,null,null,null,null,null,null,null,"IN"]
[null,null,null,null,"Proj'd Per Rate Change %  (over Exper. Period)",null,{"$f":"+G80/G54-1","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,"IA"]
[null,null,null,null,"Product Threshold Rate Increase %",null,null,null,null,null,null,null,null,"KS"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"KY"]
[null,null,null,null,"Section II: Components of Premium Increase (PMPM Dollar Amount above Current Average Rate PMPM)",null,null,null,null,null,null,null,null,"LA"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"ME"]
[null,null,null,null,"Plan ID:","Total",{"$f":"G19","v":0},null,null,null,null,null,null,"MD"]
[null,null,null,null,"Inpatient",{"$f":"SUMPRODUCT(G33:X33,$G$55:$X$55)/$F$55","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,"MA"]
[null,null,null,null,"Outpatient",{"$error":"#DIV/0!"},null,null,null,null,null,null,null,"MI"]
[null,null,null,null,"Professional",{"$error":"#DIV/0!"},null,null,null,null,null,null,null,"MN"]
[null,null,null,null,"Prescription Drug ",{"$error":"#DIV/0!"},null,null,null,null,null,null,null,"MS"]
[null,null,null,null,"Other",{"$error":"#DIV/0!"},null,null,null,null,null,null,null,"MO"]
[null,null,null,null,"Capitation",{"$error":"#DIV/0!"},null,null,null,null,null,null,null,"MT"]
[null,null,null,null,"Administration",{"$error":"#DIV/0!"},null,null,null,null,null,null,null,"NE"]
[null,null,null,null,"Taxes & Fees",{"$error":"#DIV/0!"},null,null,null,null,null,null,null,"NV"]
[null,null,null,null,"Risk & Profit Charge",{"$error":"#DIV/0!"},null,null,null,null,null,null,null,"NH"]
[null,null,null,null,"Total Rate Increase",{"$error":"#DIV/0!"},{"$f":"SUM(G33:G41)","v":0},null,null,null,null,null,null,"NJ"]
[null,null,null,null,"Member Cost Share Increase",{"$error":"#DIV/0!"},null,null,null,null,null,null,null,"NM"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"NY"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"NC"]
[null,null,null,null,"Average Current Rate PMPM",{"$f":"SUMPRODUCT(G46:X46,G47:X47)/SUM(G47:X47)","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,"ND"]
[null,null,null,null,"Projected Member Months",{"$f":"SUM(G47:X47)","v":0},null,null,null,null,null,null,null,"OH"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"OK"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"OR"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"PA"]
[null,null,null,"Section III: Experience Period Information",null,null,null,null,null,null,null,null,null,"RI"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"SC"]
["Warning Alert","Wsht 1 Total",null,null,"Plan ID:",{"$f":"F32","v":"Total"},{"$f":"G32","v":0},null,null,null,null,null,null,"SD"]
[{"$f":"IF(B54=F54,\"'OK\",\"WARNING\")","v":{"$error":"#DIV/0!"}},{"$f":"+'Wksh 1 - Market Experience'!G14","v":{"$error":"#DIV/0!"}},null,"Premium Information","Plan Adjusted Index Rate",{"$f":"SUMPRODUCT(G54:X54,G55:X55)/SUM(G55:X55)","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,"TN"]
[{"$f":"IF(B55=F55,\"'OK\",\"WARNING\")","v":"'OK"},{"$f":"+'Wksh 1 - Market Experience'!F18","v":0},null,null,"Member Months",{"$f":"SUM(G55:X55)","v":0},null,null,null,null,null,null,null,"TX"]
[{"$f":"IF(B56=F56,\"'OK\",\"WARNING\")","v":"'OK"},{"$f":"+'Wksh 1 - Market Experience'!F14","v":0},null,null,"Total Premium (TP)",{"$f":"SUM(G56:X56)","v":0},{"$f":"G55*G54","v":0},null,null,null,null,null,null,"UT"]
[null,null,null,null,"EHB Percent of TP, [see instructions]",{"$f":"SUMPRODUCT($G$56:$X$56,G57:X57)/$F$56","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,"VT"]
[null,null,null,null,"state mandated benefits portion of TP that are other than EHB",{"$f":"SUMPRODUCT($G$56:$X$56,G58:X58)/$F$56","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,"VA"]
[null,null,null,null,"Other benefits portion of TP",{"$f":"1-F57-F58","v":{"$error":"#DIV/0!"}},{"$f":"1-G58-G57","v":1},null,null,null,null,null,null,"WA"]
[{"$f":"IF(B60=F60,\"'OK\",\"WARNING\")","v":"'OK"},{"$f":"+'Wksh 1 - Market Experience'!F16","v":0},null,"Claims Information","Total Allowed Claims (TAC)",{"$f":"SUM(G60:X60)","v":0},null,null,null,null,null,null,null,"WV"]
[null,null,null,null,"EHB Percent of TAC, [see instructions]",{"$f":"SUMPRODUCT($G$60:$X$60,G61:X61)/$F$60","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,"WI"]
[null,null,null,null,"state mandated benefits portion of TAC that are other than EHB",{"$f":"SUMPRODUCT($G$60:$X$60,G62:X62)/$F$60","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,null,"WY"]
[null,null,null,null,"Other benefits portion of TAC",{"$f":"1-F61-F62","v":{"$error":"#DIV/0!"}},{"$f":"1-G62-G61","v":1},null,null,null,null,null,null,"AS"]
[null,null,null,null," Allowed Claims which are not the issuer's obligation:",{"$f":"SUM(G64:X64)","v":0},null,null,null,null,null,null,null,"GU"]
[null,null,null,null,"Portion of above payable by HHS's funds on behalf of insured person, in dollars",{"$f":"SUM(G65:X65)","v":0},null,null,null,null,null,null,null,"MP"]
[null,null,null,null,"Portion of above payable by HHS on behalf of insured person, as %",{"$f":"+F65/F64","v":{"$error":"#DIV/0!"}},{"$f":"+G65/G64","v":{"$error":"#DIV/0!"}},null,null,null,null,null,null,"PR"]
[{"$f":"IF(B67=F67,\"'OK\",\"WARNING\")","v":"'OK"},{"$f":"+'Wksh 1 - Market Experience'!F15","v":0},null,null,"Total Incurred claims, payable with issuer funds",{"$f":"SUM(G67:X67)","v":0},{"$f":"+G60-G64","v":0},null,null,null,null,null,null,"VI"]
[]
[null,null,null,null,"   Net Amt of Rein",{"$f":"SUM(G69:X69)","v":0}]
[null,null,null,null,"   Net Amt of Risk Adj",{"$f":"SUM(G70:X70)","v":0}]
[]
[{"$f":"IF(B72=F72,\"'OK\",\"WARNING\")","v":{"$error":"#DIV/0!"}},{"$f":"+'Wksh 1 - Market Experience'!G15","v":{"$error":"#DIV/0!"}},null,null,"Incurred Claims  PMPM",{"$f":"+F67/F55","v":{"$error":"#DIV/0!"}},{"$f":"+G67/G55","v":{"$error":"#DIV/0!"}}]
[{"$f":"IF(B73=F73,\"'OK\",\"WARNING\")","v":{"$error":"#DIV/0!"}},{"$f":"+'Wksh 1 - Market Experience'!G16","v":{"$error":"#DIV/0!"}},null,null,"Allowed Claims PMPM",{"$f":"+F60/F55","v":{"$error":"#DIV/0!"}},{"$f":"+G60/G55","v":{"$error":"#DIV/0!"}}]
[null,null,null,null,"EHB portion of Allowed Claims, PMPM",{"$f":"+F73*F61","v":{"$error":"#DIV/0!"}},{"$f":"+G73*G61","v":{"$error":"#DIV/0!"}}]
[]
[]
[null,null,null,"Section IV: Projected (12 months following effective date)"]
[]
["Warning Alert","Wsht 1 Total",null,null,"Plan ID:",{"$f":"F53","v":"Total"},{"$f":"G53","v":0}]
[{"$f":"IF(B80=F80,\"'OK\",\"WARNING\")","v":{"$error":"#DIV/0!"}},{"$f":"+'Wksh 1 - Market Experience'!V43","v":{"$error":"#DIV/0!"}},null,"Premium Information","Plan Adjusted Index Rate",{"$f":"SUMPRODUCT(G80:X80,G81:X81)/SUM(G81:X81)","v":{"$error":"#DIV/0!"}}]
[{"$f":"IF(B81=F81,\"'OK\",\"WARNING\")","v":"'OK"},{"$f":"+'Wksh 1 - Market Experience'!X47","v":0},null,null,"Member Months",{"$f":"SUM(G81:X81)","v":0},{"$f":"G47","v":0}]
[{"$f":"IF(B82=F82,\"'OK\",\"WARNING\")","v":{"$error":"#DIV/0!"}},{"$f":"+'Wksh 1 - Market Experience'!X43","v":{"$error":"#DIV/0!"}},null,null,"Total Premium (TP)",{"$f":"SUM(G82:X82)","v":0},{"$f":"G80*G81","v":0}]
[null,null,null,null,"EHB Percent of TP, [see instructions]",{"$f":"SUMPRODUCT($G$82:$X$82,G83:X83)/$F$82","v":{"$error":"#DIV/0!"}}]
[null,null,null,null,"state mandated benefits portion of TP that are other than EHB",{"$f":"SUMPRODUCT($G$82:$X$82,G84:X84)/$F$82","v":{"$error":"#DIV/0!"}}]
[null,null,null,null,"Other benefits portion of TP",{"$f":"1-F83-F84","v":{"$error":"#DIV/0!"}},{"$f":"1-G84-G83","v":1}]
[{"$f":"IF(B86=F86,\"'OK\",\"WARNING\")","v":{"$error":"#DIV/0!"}},{"$f":"+('Wksh 1 - Market Experience'!V32-'Wksh 1 - Market Experience'!V35-'Wksh 1 - Market Experience'!V37)*'Wksh 1 - Market Experience'!X47","v":{"$error":"#DIV/0!"}},null,"Claims Information","Total Allowed Claims (TAC)",{"$f":"SUM(G86:X86)","v":0}]
[null,null,null,null,"EHB Percent of TAC, [see instructions]",{"$f":"SUMPRODUCT($G$86:$X$86,G87:X87)/$F$86","v":{"$error":"#DIV/0!"}}]
[null,null,null,null,"state mandated benefits portion of TAC that are other than EHB",{"$f":"SUMPRODUCT($G$86:$X$86,G88:X88)/$F$86","v":{"$error":"#DIV/0!"}}]
[null,null,null,null,"Other benefits portion of TAC",{"$f":"1-F87-F88","v":{"$error":"#DIV/0!"}},{"$f":"1-G88-G87","v":1}]
[null,null,null,null," Allowed Claims which are not the issuer's obligation",{"$f":"SUM(G90:X90)","v":0}]
[null,null,null,null,"Portion of above payable by HHS's funds on behalf of insured person, in dollars",{"$f":"SUM(G91:X91)","v":0}]
[null,null,null,null,"Portion of above payable by HHS on behalf of insured person, as %",{"$f":"+F91/F90","v":{"$error":"#DIV/0!"}},{"$f":"G91/G90","v":{"$error":"#DIV/0!"}}]
[{"$f":"IF(B93=F93,\"'OK\",\"WARNING\")","v":{"$error":"#DIV/0!"}},{"$f":"+'Wksh 1 - Market Experience'!X38","v":{"$error":"#DIV/0!"}},null,null,"Total Incurred claims, payable with issuer funds",{"$f":"SUM(G93:X93)","v":0},{"$f":"+G86-G90","v":0}]
[]
[{"$f":"IF(B95=F95,\"'OK\",\"WARNING\")","v":"'OK"},{"$f":"'Wksh 1 - Market Experience'!X37","v":0},null,null,"   Net Amt of Rein",{"$f":"SUM(G95:X95)","v":0}]
[null,null,null,null,"   Net Amt of Risk Adj",{"$f":"SUM(G96:X96)","v":0}]
[]
[{"$f":"IF(B98=F98,\"'OK\",\"WARNING\")","v":{"$error":"#DIV/0!"}},{"$f":"+'Wksh 1 - Market Experience'!V38","v":{"$error":"#DIV/0!"}},null,null,"Incurred Claims  PMPM",{"$f":"+F93/F81","v":{"$error":"#DIV/0!"}},{"$f":"+G93/G81","v":{"$error":"#DIV/0!"}}]
[{"$f":"IF(B99=F99,\"'OK\",\"WARNING\")","v":{"$error":"#DIV/0!"}},{"$f":"+'Wksh 1 - Market Experience'!V32","v":{"$error":"#DIV/0!"}},null,null,"Allowed Claims PMPM",{"$f":"+F86/F81","v":{"$error":"#DIV/0!"}},{"$f":"+G86/G81","v":{"$error":"#DIV/0!"}}]
[null,null,null,null,"EHB portion of Allowed Claims, PMPM",{"$f":"+F99*F87","v":{"$error":"#DIV/0!"}},{"$f":"+G99*G87","v":{"$error":"#DIV/0!"}}]

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["ksh 1 - Market Experience!$F$15</cellLocation>\r\n    <cellValue>75000000</cellValue>\r\n  </incurredClaimsInExperiencePeriodAmount>\r\n  <allowedClaimsAmount>\r\n    <cellLocation>Wksh 1 - Market Experience!$F$16</cellLocation>\r\n    <cellValue>107250000</cellValue>\r\n  </allowedClaimsAmount>\r\n  <experiencePeriodMemberMonthsQuantity>\r\n    <cellLocation>Wksh 1 - Market Experience!$G$17</cellLocation>\r\n    <cellValue>420.00</cellValue>\r\n  </experiencePeriodMemberMonthsQuantity>\r\n  <projectionPeriodStartDate>\r\n    <cellLocation>Wksh 1 - Market Experience!$L$21</cellLocation>\r\n    <cellValue>1/1/2014</cellValue>\r\n  </projectionPeriodStartDate>\r\n  <projectedAllowedExperienceClaimsPMPMCredibilityIndexQuantity>\r\n    <cellLocation>Wksh 1 - Market Experience!$Q$32</cellLocation>\r\n    <cellValue>80%</cellValue>\r\n  </projectedAllowedExperienceClaimsPMPMCredibilityIndexQuantity>\r\n  <projectedAllowedManualClaimsPMPMCredibilityIndexQuantity>\r\n    <cellLocation>Wksh 1 - Market Experience!$T$32</cellLocation>\r\n    <cellValue>20%</cel'"]
["lValue>\r\n  </projectedAllowedManualClaimsPMPMCredibilityIndexQuantity>\r\n  <projectedAdjustedExperienceClaimsPMPMAmount>\r\n    <cellLocation>Wksh 1 - Market Experience!$V$32</cellLocation>\r\n    <cellValue>539.32</cellValue>\r\n  </projectedAdjustedExperienceClaimsPMPMAmount>\r\n  <projectedAllowedExperienceClaimsAmount>\r\n    <cellLocation>Wksh 1 - Market Experience!$X$32</cellLocation>\r\n    <cellValue>141571104</cellValue>\r\n  </projectedAllowedExperienceClaimsAmount>\r\n  <paidToAllowedAverageFactorInProjectionPeriodQuantity>\r\n    <cellLocation>Wksh 1 - Market Experience!$V$33</cellLocation>\r\n    <cellValue>0.69945</cellValue>\r\n  </paidToAllowedAverageFactorInProjectionPeriodQuantity>\r\n  <projectedIncurredClaimsBeforeAdjustmentPMPMAmount>\r\n    <cellLocation>Wksh 1 - Market Experience!$V$34</cellLocation>\r\n    <cellValue>377.23</cellValue>\r\n  </projectedIncurredClaimsBeforeAdjustmentPMPMAmount>\r\n  <projectedRiskAdjustmentsPMPMAmount>\r\n    <cellLocation>Wksh 1 - Market Experience!$V$35</cellLocation>\r\n    <cellValue>1.'"]
["91</cellValue>\r\n  </projectedRiskAdjustmentsPMPMAmount>\r\n  <projectedACAReinsuranceRecoveriesPMPMAmount>\r\n    <cellLocation>Wksh 1 - Market Experience!$V$37</cellLocation>\r\n    <cellValue>3.82</cellValue>\r\n  </projectedACAReinsuranceRecoveriesPMPMAmount>\r\n  <administrativeExpenseLoadQuantity>\r\n    <cellLocation>Wksh 1 - Market Experience!$T$40</cellLocation>\r\n    <cellValue>12.5%</cellValue>\r\n  </administrativeExpenseLoadQuantity>\r\n  <administrativeExpenseLoadPMPMAmount>\r\n    <cellLocation>Wksh 1 - Market Experience!$V$40</cellLocation>\r\n    <cellValue>58.05</cellValue>\r\n  </administrativeExpenseLoadPMPMAmount>\r\n  <profitAndRiskLoadQuantity>\r\n    <cellLocation>Wksh 1 - Market Experience!$T$41</cellLocation>\r\n    <cellValue>5.0%</cellValue>\r\n  </profitAndRiskLoadQuantity>\r\n  <profitAndRiskLoadPMPMAmount>\r\n    <cellLocation>Wksh 1 - Market Experience!$V$41</cellLocation>\r\n    <cellValue>23.22</cellValue>\r\n  </profitAndRiskLoadPMPMAmount>\r\n  <taxesAndFeesPercentQuantity>\r\n    <cellLocation>Wksh 1 - Market Experi'"]
["ence!$T$42</cellLocation>\r\n    <cellValue>2.5%</cellValue>\r\n  </taxesAndFeesPercentQuantity>\r\n  <taxesAndFeesPMPMAmount>\r\n    <cellLocation>Wksh 1 - Market Experience!$V$42</cellLocation>\r\n    <cellValue>11.61</cellValue>\r\n  </taxesAndFeesPMPMAmount>\r\n  <singleRiskPoolGrossPremiumAvgRatePMPMAmount>\r\n    <cellLocation>Wksh 1 - Market Experience!$V$43</cellLocation>\r\n    <cellValue>464.37</cellValue>\r\n  </singleRiskPoolGrossPremiumAvgRatePMPMAmount>\r\n  <percentIncreaseOverExperiencePeriodQuantity>\r\n    <cellLocation>Wksh 1 - Market Experience!$V$44</cellLocation>\r\n    <cellValue>530.00</cellValue>\r\n  </percentIncreaseOverExperiencePeriodQuantity>\r\n  <percentIncreaseAnnualizedQuantity>\r\n    <cellLocation>Wksh 1 - Market Experience!$V$45</cellLocation>\r\n    <cellValue>27%</cellValue>\r\n  </percentIncreaseAnnualizedQuantity>\r\n  <projectedMemberMonthsQuantity>\r\n    <cellLocation>Wksh 1 - Market Experience!$X$47</cellLocation>\r\n    <cellValue>262500</cellValue>\r\n  </projectedMemberMonthsQuantity>\r\n  <poolingInsurance'"]
["MarketLevelType>\r\n    <cellLocation>Wksh 1 - Market Experience!$H$4</cellLocation>\r\n    <cellValue>Small Group</cellValue>\r\n  </poolingInsuranceMarketLevelType>\r\n  <experiencePeriodEndingDate>\r\n    <cellLocation>Wksh 1 - Market Experience!$G$12</cellLocation>\r\n    <cellValue>12/31/2012</cellValue>\r\n  </experiencePeriodEndingDate>\r\n  <rateReviewEffectiveDate>\r\n    <cellLocation>Wksh 1 - Market Experience!$E$5</cellLocation>\r\n    <cellValue>1/1/2014</cellValue>\r\n  </rateReviewEffectiveDate>\r\n  <premiumsNetOfMlrRebateInExperiencePeriodPMPMAmount>\r\n    <cellLocation>Wksh 1 - Market Experience!$G$14</cellLocation>\r\n    <cellValue>365.00</cellValue>\r\n  </premiumsNetOfMlrRebateInExperiencePeriodPMPMAmount>\r\n  <premiumsNetOfMlrRebateInExperiencePeriodQuantity>\r\n    <cellLocation>Wksh 1 - Market Experience!$H$14</cellLocation>\r\n    <cellValue>100.0%</cellValue>\r\n  </premiumsNetOfMlrRebateInExperiencePeriodQuantity>\r\n  <incurredClaimsInExperiencePeriodPMPMAmount>\r\n    <cellLocation>Wksh 1 - Market Experience!$G$15</cel'"]
["lLocation>\r\n    <cellValue>300.00</cellValue>\r\n  </incurredClaimsInExperiencePeriodPMPMAmount>\r\n  <incurredClaimsInExperiencePeriodQuantity>\r\n    <cellLocation>Wksh 1 - Market Experience!$H$15</cellLocation>\r\n    <cellValue>82.2%</cellValue>\r\n  </incurredClaimsInExperiencePeriodQuantity>\r\n  <allowedClaimsPMPMAmount>\r\n    <cellLocation>Wksh 1 - Market Experience!$G$16</cellLocation>\r\n    <cellValue>429.00</cellValue>\r\n  </allowedClaimsPMPMAmount>\r\n  <allowedClaimsPercentQuantity>\r\n    <cellLocation>Wksh 1 - Market Experience!$H$16</cellLocation>\r\n    <cellValue>117.5%</cellValue>\r\n  </allowedClaimsPercentQuantity>\r\n  <experiencePeriodIndexRatePMPMQuantity>\r\n    <cellLocation>Wksh 1 - Market Experience!$F$18</cellLocation>\r\n    <cellValue>250000</cellValue>\r\n  </experiencePeriodIndexRatePMPMQuantity>\r\n  <projectionPeriodEndDate>\r\n    <cellLocation>Wksh 1 - Market Experience!$O$21</cellLocation>\r\n    <cellValue>12/31/2014</cellValue>\r\n  </projectionPeriodEndDate>\r\n  <midpointToMidpointMonthsQuantity>\r\n    <cellL'"]
["ocation>Wksh 1 - Market Experience!$T$21</cellLocation>\r\n    <cellValue>24</cellValue>\r\n  </midpointToMidpointMonthsQuantity>\r\n  <totalExperiencePeriodOnActualExperienceAllowedPMPMAmount>\r\n    <cellLocation>Wksh 1 - Market Experience!$H$30</cellLocation>\r\n    <cellValue>429.00</cellValue>\r\n  </totalExperiencePeriodOnActualExperienceAllowedPMPMAmount>\r\n  <totalProjectionsBeforeCredibilityAdjustmentPMPMAmount>\r\n    <cellLocation>Wksh 1 - Market Experience!$Q$30</cellLocation>\r\n    <cellValue>560.45</cellValue>\r\n  </totalProjectionsBeforeCredibilityAdjustmentPMPMAmount>\r\n  <totalCredibilityManualPMPMAmount>\r\n    <cellLocation>Wksh 1 - Market Experience!$T$30</cellLocation>\r\n    <cellValue>454.78</cellValue>\r\n  </totalCredibilityManualPMPMAmount>\r\n  <projectedIncurredClaimsBeforeAdjustmentAmount>\r\n    <cellLocation>Wksh 1 - Market Experience!$V$38</cellLocation>\r\n    <cellValue>371.50</cellValue>\r\n  </projectedIncurredClaimsBeforeAdjustmentAmount>\r\n  <singleRiskPoolGrossPremiumAvgRatePMPMTotalAmount>\r\n    <cellLo'"]
["cation>Wksh 1 - Market Experience!$X$43</cellLocation>\r\n    <cellValue>121897229</cellValue>\r\n  </singleRiskPoolGrossPremiumAvgRatePMPMTotalAmount>\r\n  <taxesAndFeesPMPMTotalAmount>\r\n    <cellLocation>Wksh 1 - Market Experience!$X$42</cellLocation>\r\n    <cellValue>3047431</cellValue>\r\n  </taxesAndFeesPMPMTotalAmount>\r\n  <profitAndRiskLoadPMPMTotalAmount>\r\n    <cellLocation>Wksh 1 - Market Experience!$X$41</cellLocation>\r\n    <cellValue>6094861</cellValue>\r\n  </profitAndRiskLoadPMPMTotalAmount>\r\n  <administrativeExpenseLoadPMPMTotalAmount>\r\n    <cellLocation>Wksh 1 - Market Experience!$X$40</cellLocation>\r\n    <cellValue>15237154</cellValue>\r\n  </administrativeExpenseLoadPMPMTotalAmount>\r\n  <projectedIncurredClaimsBeforeReinsuranceRecoveriesPMPMTotalAmount>\r\n    <cellLocation>Wksh 1 - Market Experience!$X$34</cellLocation>\r\n    <cellValue>99021908</cellValue>\r\n  </projectedIncurredClaimsBeforeReinsuranceRecoveriesPMPMTotalAmount>\r\n  <projectedIncurredClaimsBeforeAdjustmentPMPMTotalAmount>\r\n    <cellLocation>Wks'"]
["h 1 - Market Experience!$X$38</cellLocation>\r\n    <cellValue>97517783</cellValue>\r\n  </projectedIncurredClaimsBeforeAdjustmentPMPMTotalAmount>\r\n  <projectedRiskAdjustmentsPMPMTotalAmount>\r\n    <cellLocation>Wksh 1 - Market Experience!$X$35</cellLocation>\r\n    <cellValue>501375</cellValue>\r\n  </projectedRiskAdjustmentsPMPMTotalAmount>\r\n  <projectedACAReinsuranceRecoveriesPMPMTotalAmount>\r\n    <cellLocation>Wksh 1 - Market Experience!$X$37</cellLocation>\r\n    <cellValue>1002750</cellValue>\r\n  </projectedACAReinsuranceRecoveriesPMPMTotalAmount>\r\n  <indexRateForProjectionPeriodAmount>\r\n    <cellLocation>Wksh 1 - Market Experience!$V$46</cellLocation>\r\n    <cellValue>13%</cellValue>\r\n  </indexRateForProjectionPeriodAmount>\r\n</InsuranceRateForecastTempVO>\r\n'"]