STATE OF THE MARKET Medical costs continue to rise year after year. We are not the exception; BB&N was dealt an increase to our medical premiums for 2025. As a member of the BB&N team, what can you do to help keep the cost of our benefit plan low? It’s important to do your part to help keep our medical costs low year over year. Be sure to schedule your annual exams! Engaging in preventive care helps your overall health and lowers your chances of a high-cost medical diagnosis. You can also visit your primary care or urgent care facilities for non-emergency care, instead of the hospital emergency rooms. Year BB&N Renewal Benchmark* Renewal 2025 16.4% 11.8% 2024 2.7% 11.3% 2023 3.2% 10.6% Average 7.4% 11.2% *Source: United Benefit Advisors/Milliman Annual Health Plan Survey