"The survey of more than 65 insurance companies nationwide found that, before any plan design changes, overall claim costs will continue to increase by 7 to 10 percent, indicating even higher premium rates in 2015 and 2016.... Medical claim increase trends ... range from 7.2 percent for HMO to 9.0 percent for Indemnity Fee-for-Service annually, slightly below 2014 level... The survey showed a continued increase in prescription drug cost trends as a result of price increases in generic drugs, and growing use of specialty biotech drugs,... Healthcare claim trends for 2016 expected to increase for most products."