Milliman Inc. has completed its first annual study of the total annual medical costs for a “Typical American Family of Four.” The Milliman Medical Index (MMI) measures the average spending by such a family if covered by an employersponsored PPO program. It provides a benchmark by annually assessing the changes in those costs over a five-year period. The MMI also examines the key drivers and the components of actual medical spending. The MMI breaks out and measures the rate of consumer (employee) spending versus the rate of total spending for healthcare services in a given year.