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1-month's expenses 10-year period 15 respondents 2-month goal accrued claims reserve actual balances Actual Ending Balances adequate to cover administrative expenses American Postal Workers and/or the government benefits and administrative Blue Cross Changes to Plan combined contingency combined reserve balance combined reserve deficits Compiled by GAO contingency and special contingency reserves Cross and Blue cumulative losses depleted Employee organization plan Employees Health Benefits ending reserve balances experience-rated plan options Federal Employees Health financial loss funds GAO from OPM Health Benefits Program Health maintenance organizations individual plan options medical cost inflation million months of benefits nine options operating gains operating losses OPM data OPM'S proposal options with combined Plan Reserve Requirements pooling and reducing Postal Workers Union proposed changes reducing the reserves reserve goal risk soundness and stability Special Reserve Balances special reserve deficit sponsor and/or underwriter sponsors and underwriters Targets and Actual total combined reserve unexpected costs weighted average