"Medical trends are projected to range from a low of 6.8 percent for HMOs to a high of 9.9 percent for FFS plans. For the most common plan types offered -- open-access PPO/POS plans and HMOs -- trend rates are projected to vary by about 1 percentage point across product types.... The trend rate for prescription drug carve-out coverage for actives and retirees under age 65 is expected to increase significantly in 2016 to a rate of 11.3 percent.... The projected trend for hospital services is 8.2 percent for 2016, which is slightly higher than the projected trend for 2015. The projected trend for physician services is 5.5 percent for 2016, which is a modest reduction from the projected trend for 2015."