Exhibit 73 - Cal Yr 2023 City of Miami CIGNA Monthly Healthcare Detail Experience - Product Type Branch Code.xlsx

This file is a monthly healthcare detail experience report for the City of Miami, covering January through December 2023, detailing healthcare plan utilization across multiple product types and employee categories. The comprehensive spreadsheet tracks healthcare expenses for various employee groups including active employees (general, M/C, SEA), executives, elected officials, Medicare retirees, non-Medicare retirees, COBRA participants, and other specialized employee classifications. The report is self-funded with a retrospective experience-rated funding type, providing granular monthly data on fixed charges, in-network and out-of-network expenses, drug costs, gross claims, stop-loss amounts, and total net claims.

The document reveals complex healthcare spending patterns with significant monthly variations, showing total gross claims ranging from approximately $3 million to $4.4 million throughout the year. The City of Miami's healthcare plan covers different subscriber and member groups, with active employees (NAGEN category) consistently representing the largest population and claims volume. Notable financial characteristics include stop-loss adjustments, ASO fees, and monthly fluctuations in claims across different employee categories. The data suggests a sophisticated, self-managed healthcare benefits approach with detailed tracking of expenses, subscriber counts, and different coverage tiers, potentially supporting future benefits planning and cost management strategies.