Distribution of HDHP Claims Experience

[RANGERS684]

I have a client who recently rolled out a high deductible HSA plan and I am trying to price the 2010 renewal based on the emerging experience. Obviously the first few months' claims experience will be artificially low as employees are accruing towards their deductible. My questions is what is the distribution by month of annual claims under a standard HDHP? I would appreciate a monthly breakdown (i.e Jan - 5.4% of annual claims, Feb - 6.6%....November - 11.2%, December - 12.4% etc.). I am looking to mature the initial experience.

Thanks for your help