Exhibit 18b - Cal Yr 2025 City of Miami CIGNA ASO and Fixed Charges Monthly Healthcare Experience by Prod YTD.xlsx

This document is a monthly healthcare experience report for the City of Miami's health insurance plan for Calendar Year 2025, covering January through July. The report details healthcare costs and enrollment across four product types: COH, DPP4, OAP1, and VISP, with a retrospective experience-rated administrative services only (ASO) structure. The report tracks fixed charges, in-network and out-of-network claims, drug expenses, total claims, ASO fees, subscriber counts, and member enrollment.

The financial breakdown reveals total claims of $30,049,366 across the seven-month period, with the OAP1 product type representing the majority of expenses at $29,738,556. The subscriber base ranges from 5,621 to 5,661 monthly, with total member enrollment between 11,269 and 11,306 individuals. ASO fees totaled $413,971, and fixed charges were $1,700,036. The report suggests a stable healthcare plan with consistent enrollment and a detailed tracking mechanism for healthcare expenditures, which appears to be part of a broader RFP No. 2130386 for the City of Miami's Employee Health Benefits Plan.