21-Manor ISD PvC 9.2023-12.2025.xlsx

This is a loss ratio analysis report for Manor Independent School District's self-funded medical and pharmacy plan covering the 28-month period from September 2023 through December 2025. The report documents the financial performance of the District's health plan, which serves approximately 1,045 to 1,174 medical subscribers and 1,207 to 1,571 total medical members during the analysis period.

The report reveals significant claims activity and loss ratio volatility throughout the contract term. Total medical and pharmacy premiums collected during the 28-month period amounted to $17,672,798.72, with total paid claims of $22,583,108.26, resulting in an overall loss ratio of 127.8%. Medical paid claims totaled $14,586,755.72 while pharmacy paid claims reached $7,932,557.48. Monthly loss ratios fluctuated considerably, ranging from a low of 36.0% in September 2023 to a high of 200.4% in December 2023, with the plan consistently operating above break-even (100% loss ratio) in most months, indicating claims exceeded premiums collected. Notable spikes in claims relative to premiums occurred in December 2023 (200.4%), December 2024 (190.2%), and July 2025 (192.1%), suggesting significant seasonal or catastrophic claim events during these periods. The data demonstrates the District's financial experience under its self-funded arrangement and provides critical baseline metrics for evaluating proposal responses for the 2026 Medical RFP solicitation.