mike clarke from aon.g to talk about benchmarking in comparing with hss, planned designs and contributions into a number of different benchmarks that we evaluate. you are talking about two things, plan design features, co-payments, deductibles, as well as contributions and plan sponsors could certainly vary where they put their emphasis on the cost-sharing. you see the pages on the plan and the majority of the average cost-sharing is through a number of contributions. page 12, this is a chart reproduced from our annual health initiative marketing study that was part of the executive director's report in april to the board. we focus on hmo's because 97% of hhs employees are enrolled on the hmo plan versus the ppo. you can see where i have indicated in the rectangles, where hss falls on the employee plan design out of pocket overall average $608 for 2023. relative to a set of national comparing to labor market which is northern california for hss as well as the full study of 600 employers. you will see that

sure as heck don't do this alone and i have [indiscernible] cfo, i have [indiscernible] our coo, mike clark who is our lead actuary and very well respected in the field and holly my assistant and board secretary. thank you having us today. we'll try to be brief. we have spent quite a bit of time preparing and delivering trend complex trend reports and education to the health service board and those are all recorded and online and available as education sessions for our board, so we are happy to provide that linkage should anyone need to take a deeper dive. today we will talk about hss role, the current health plans offered, and trends that are going on compared to benchmarks as well as macro trends in the industry, talk about what happened in 2024 and what we are doing at this point in time. as ben mentioned, the health service board does have a strategic plan and we have the goals of the first one being equity, but we also are working on system delivery components such as primary care practice and expanding mental health service because of increased demand for mental health but affordable

sure as heck don't do this alone and i have [indiscernible] cfo, i have [indiscernible] our coo, mike clark who is our lead actuary and very well respected in the field and holly my assistant and board secretary. thank you having us today. we'll try to be brief. we have spent quite a bit of time preparing and delivering trend complex trend reports and education to the health service board and those are all recorded and online and available as education sessions for our board, so we are happy to provide that linkage should anyone need to take a deeper dive. today we will talk about hss role, the current health plans offered, and trends that are going on compared to benchmarks as well as macro trends in the industry, talk about what happened in 2024 and what we are doing at this point in time. as ben mentioned, the health service board does have a strategic plan and we have the goals of the first one being equity, but we also are working on system delivery components such as primary care practice and expanding mental health service because of increased demand for mental health but affordable

, lead actuary, aon >> mike clarke, aon. there was a request at the last meeting to talk through the determination process for city contributions for the sf hhs retiree medical plans. in august, i did present on healthcare transition from active employment to early retiree status. the document here and the discussion today will summarize the approach to determining those city contributions for the retiree health plans. where we focus more on the early retirees in august and including city charter language today. the city does cover some or all of the cost of retiree health coverage on the formula on the charter and that depends on the plan and coverage. to contrast with the determination of retiree healthcare, city contributions being done through the charter for the active employees with the memorandum of understanding and you will see the charter to this language and it's on the bottom of page two. from a total rate perspective, one question that often arises is how are the total rates determined and specifically why are e

mike's fate. >> we the jury both encounter action find the defendant michael clark lubahn senior guilty. >> guiltyg detective jim well lewin felt surrounded by an unfamiliar reaction. >> i've had cases before where you walk out of the court room where the family throws their arms around. you that was not this case. >> i was very surprised that the jury would convict him on such little evidence. i don't think any of us are happy to see michael go to jail. >> and you still believe mike is a nice guy, believable guy? >> yes. >> what gayle and the rest of the family wanted most was answers. >> it's not so much that i want mike to pay for what he did i want to know what happened to my sister. >> and at the sentencing hearing in 2012, mike's own son echoed those sentiments. >> gilts or innocence aside, i never wanted my father to go to prison. i just want to ask that if he knows anything to please let me know. >> and then mike junior made a heartbreaking plea to the court. >> he's been a good father and a good person. if he is sent to prison to present today was i'm going to be heartbroken. it won't be

for emirates i remain confident it will stay that way >> reporter: tim clark sounding optimistic on the outlook moving forward. mikeanaged to secure smaller deals here we arefirmation of the order from turkish airways. we have not seen any sign of confirmation just yet. it would tilt the register in volume of transactions from the dubai air show this year >> for sure. israel's war against hamas is an ongoing concern in the region much has region has this had an impact for investment in more air capacity? >> reporter: absolutely. this is something i have been speaking with aviation executives on the ground here about. clearly israel's war against hamas in gaza has been going on for more than a month now. we have seen a short-term impact with travel demand, but most of the executives are sounding upbeat about the resilience of the sector post-pandemic and how forward bookings look as well. tim clark saying emirates is basically booked at near and above 50% capacity all the way through until next summer. he is seeing numbers really returning here despite the fact we have this really unfortunate conflict in the region,