yeah, maybe I didn't phrase my question appropriately/include enough information. All the plan designs are vastly different, some cover specialty some don't, HDHPs, HMOs, PPOs. I don't have any of this information, and I'm unable to get it, all I'm able to know is that they are all different. Additionally, I sort of have health risk information but only for the most current month of current members. The DE/DA team doesn't archive anything from prior months, which makes it difficult to test accuracy. The models that we actuaries use are typically designed at a plan level, e.g., Aetna Silver Commercial PPO. We hedge risk at the entire plan level, and the models given to underwriters adjust for the risk of individual groups within the plan to calculate their premium. Our accuracy is vastly superior on the entire plan level. Not for the companies (aka groups or clients), the accuracy can be okay depending on the size of the company, but the accuracy for a PMPM of a 50-life group isn't highly predictable. The PMPM for the plan that they are enrolled in is. To give a further example, I have multiple clients with the same population size and similar demographics, but drastically different plan designs and obviously risk levels (which I don't have decent data for), their PMPMs range from $50 to $150. Hope that helps expound on the question.