Kaiser Family Fnd 2010 Employer Health Benefits Survey

8/7/2019 Kaiser Family Fnd 2010 Employer Health Benefits Survey

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69%

$1

3,

77

0

$ 5

,

0 4

9

2010-and-

T H E K A I S E R F A M I Ly F O u N D AT I O N

- A N D -

H E A LT H R E S E A R C H &

E D u C A T I O N A L T R u S T

2 0 1 0A n n u a l S u r v e y

EmpoHth

Bf i t s



The Kaiser Family Foundation is a non-prot private operating ondation, based in Menlo Park,

Caliornia, dedicated to prodcing and commnicating the best possible analysis and inormation

on health isses.

Fonded in 1944, the Health Research & Educational Trust (HRET) is a private, not-or-prot

organization involved in research, edcation, and demonstration programs addressing health

management and policy isses. An aliate o the American Hospital Association (AHA), HRET

collaborates with health care, government, academic, bsiness, and commnity organizations across

the united States to condct research and disseminate ndings that shape the tre o health care.

For more inormation abot HRET, visit www.hret.org.

NORC, known since its onding in 1941 as the National Opinion Research Center, prses objective

research that serves the pblic interest. NORC has oces on the university o Chicago camps and

in Chicago, Bethesda, MD, and Berkeley, CA, and a eld staf that operates nationwide. NORC’s clients

inclde government agencies, edcational instittions, ondations, other nonprot organizations, and

private corporations. Its projects are interdisciplinary and are local, regional, national, and international

in scope.

Copyright © 2010 Henry J. Kaiser Family Fondation, Menlo Park, Caliornia, and Health Research &

Edcational Trst, Chicago, Illinois. All rights reserved.

Printed in the united States o America.

ISBN: 978-0-87258-878-3

American Hospital Association/Health Research & Edcational Trst Catalog Nmber 097522

Primary Authors:

KAISER FAMILY FOUNDATION

Gary Claxton

Bianca DiJulioBenjamin Finder

Janet Lundy

HEALTH RESEARCH & EDUCATIONAL TRUST

Megan McHugh

Awo Osei-Anto

NATIONAL OpINION RESEARCH CENTER

Heidi Whitmore

Jeremy pickreign

Jon Gabel







t h e k a i s e r a m i ly o u n d a t i o n - a n d - h e a l t h r e s e a r C h & e d u C a t i o n a l t r u s t

T A b l e o C o N T e N T s

li s T o e x hi b i Ts

s u m m A ry o i ND i Ng s 1

s u rve y D e s i g N A ND m e ThoD s 9

s e CTi oN 1

C H Ic 19

s e CTi oN 2

H B O R 35

s e CTi oN 3

E Cg, Egb, d Pc 45

s e CTi oN 4

P Od 59

s e CTi oN 5

Mk S H P 65

s e CTi oN 6

Wk d E Cb P 69

s e CTi oN 7

E C Sg 97

s e CTi oN 8

Hg-Ddcb H P w Sg O 127

s e CTi oN 9

Pc Dg B 143

s e CTi oN 1 0

P Fdg 153

s e CTi oN 1 1

R H B 161

s e CTi oN 1 2

W Pg, H Rk A, d D 169Mg Pg

s e CTi oN 1 3

E O d H P Pcc 183





v


s u rve y D e s i g N A ND m e ThoD s

eb m.1 15Scd Ccc F S S, 2010

eb m.2 16Db E, Wk,d Wk Cd b H B,b F Sz, 2010

eb m.3 17S b Rg, 2010

Cos T o he A lTh i Ns u rA NCe

eb 1.1 22Ag M d A P Cd Wk, Sg d F Cg, b P , 2010

eb 1.2 23Ag M d A P Cd Wk, b P dF Sz, 2010

eb 1.3 24Ag M d A P Cd Wk, b P d

Rg, 2010

eb 1.4 25Ag M d A P Cd Wk, b P dId, 2010

eb 1.5 27Ag A P CdWk w Sg Cg, b FCcc, 2010

eb 1.6 28Ag A P CdWk w F Cg, b FCcc, 2010

eb 1.7 29Db A P Sgd F Cg R AgA Sg F P, 2010

eb 1.8 29Db P Sg dF Cg R AgA Sg F P, 2010

eb 1.9 30Db A P CdWk w Sg Cg, 2010

eb 1.10 30Db A P CdWk w F Cg, 2010

eb 1.11 31Ag A P Sg dF Cg, 1999–2010

eb 1.12 32Ag A P Cd

Wk w F Cg, b F Sz,1999–2010

eb 1.13 32Ag A P CdWk w F Cg, b F Sz,1999–2010

eb 1.14 33Ag Wk Lg F (200 M Wk), Ag H IcP F Cg, b FdgAg, 1999–2010

he A lTh b e Ne i Ts oe r rA Te s

eb 2.1 38Pcg F Og H B,1999–2010

eb 2.2 38Pcg F Og H B,b F Sz, 1999–2010

eb 2.3 39Pcg F Og H B,b F Sz, Rg, d Id, 2010

eb 2.4 40Pcg F Og H B,b F Ccc, 2010

eb 2.5 41Ag F Og H B,Pcg T O H B P- Wk, b F Sz, 1999–2010

eb 2.6 41Ag F Og H B,Pcg T O H B Wk, b F Sz, 1999–2010

l i s T o e x h i b i T s




v

eb 2.7 42Ag F Og H B,Pcg T O Cb S B P Pdg D

V B, b F Sz d Rg, 2010

eb 2.8 43Ag F Og H B,Pcg T O Cb S B P Pdg D V B, b F Sz, 2000–2010

eb 2.9 43Ag S F (3–199 Wk)N Og H B, R N Og, 2010

eb 2.10 44Ag S F (3–199 Wk) N

Og H B, Pcg TR Fwg Ac RgdgH B, b F Sz, 2010

employee CoverAge,

eligibiliTy, AND pArTiCipATioN

eb 3.1 48Pcg A Wk Cd b T E’ H B, FB Og d N Og HB, b F Sz, 1999–2010

eb 3.2 49Egb, k-U R, d Cg

F Og H B, b F Sz,Rg, d Id, 2010

eb 3.3 50Ag Wk F Og HB, Pcg Wk Egb H B Od b T F,b F Ccc, 2010

eb 3.4 51Ag Wk F Og HB, Pcg Egb WkW k U H B Od b T F, b F Ccc, 2010

eb 3.5 52Ag Wk F Og HB, Pcg Wk Cdb H B Od b T F,b F Ccc, 2010

eb 3.6 53Egb, k-U R, d Cg Wk F Og H B,b F Sz, 1999–2010

eb 3.7 54Pcg Cd Wk F w Wg Pd Cg d AgWg Pd M, b F Sz,

Rg, d Id, 2010

eb 3.8 55Db Cd Wk w Fwg Wg Pd Cg, 2010

eb 3.9 55Db Cd Wk EcgSg Cg, Sg P O Cg, F Cg, 2001–2010

eb 3.10 56Db Cd Wk EcgSg Cg, Sg P O Cg, F Cg, b F Sz, 2001–2010

eb 3.11 57Db F w FwgAg L Dd Cg P w Lg E, 2010

eb 3.12 57Db F w FwgAg L Dd Cg F- Sd P w Lg E, 2010

Ty p e s o p lA Ns oe re D

eb 4.1 61

Ag F Og H B,Pcg F T O O, w, T M P , b F Sz, 2010

eb 4.2 62Ag F Og H B,Pcg Cd Wk FOg O, w, T M P, b F Sz, 2010

eb 4.3 63Ag F Og H B,Pcg F T O FwgP , b F Sz, 2010

eb 4.4 63

Ag F Og H B,Pcg Cd Wk FT O Fwg P ,b F Sz, 2010



v


m A rk e T s hA re s o he A lTh p lA Ns

eb 5.1 67Db H P E

Cd Wk, b P , 1988–2010

eb 5.2 68Db H P E Cd Wk, b F Sz, Rg,d Id, 2010

Worke r A ND e m p loye r

CoNTri b u Ti oNs or p re m i u m s

eb 6.1 72Ag Pcg P Pdb Cd Wk Sg d F Cg, 1999–2010

eb 6.2 73Ag M Wk PCb Pd b Cd Wk Sg d F Cg, 1999–2010

eb 6.3 74Ag A Wk d ECb P d P Sg Cg, 1999–2010

eb 6.4 75Ag A Wk d ECb P d P F Cg, 1999–2010

eb 6.5 76Ag A F d Wk PCb d P Cd Wk Sg d F Cg, b P , 2010

eb 6.6 77Ag A Wk Cb Cd Wk w Sg Cg,b F Sz, 1999–2010

eb 6.7 78Ag A Wk Cb Cd Wk w F Cg,b F Sz, 1999–2010

eb 6.8 79Ag A Wk PCb Pd b Cd Wk Sg d F Cg, b F Sz,1999–2010

eb 6.9 80Ag A F d WkP Cb d P Cd Wk Sg Cg,b P d F Sz, 2010

eb 6.10 81Ag A F d WkP Cb d P Cd Wk F Cg,

b P d F Sz, 2010

eb 6.11 82Ag M d A WkP Cb Pd b CdWk Sg d F Cg,b P d F Sz, 2010

eb 6.12 83Ag M d A WkP Cb Pd b CdWk Sg d F Cg,b P d Rg, 2010

eb 6.13 84

Ag M Wk PCb Pd b Cd Wk Sg d F Cg,b P , 1999–2010

eb 6.14 84Db Wk PCb Sg d F Cg R Ag AWk P Cb, 2010

eb 6.15 85Db Pcg P Pdb Cd Wk Sg d F Cg, 2002–2010

eb 6.16 86Db Pcg P Pdb Cd Wk Sg Cg,b F Sz, 2002–2010

eb 6.17 87Db Pcg P Pdb Cd Wk F Cg,b F Sz, 2002–2010

eb 6.18 88Db Pcg P Pd b Cd Wk Sg d F Cg, b Wg, 2010

eb 6.19 89Ag Pcg P Pdb Cd Wk Sg Cg,b F Ccc, 2010

eb 6.20 90Ag Pcg P Pdb Cd Wk F Cg,b F Ccc, 2010




v

eb 6.21 91Ag Pcg P Pdb Cd Wk Sg d F Cg, b P d F Sz, 2010

eb 6.22 92Ag Pcg P Pdb Cd Wk Sg d F Cg, b P , 1999–2010

eb 6.23 93Ag Pcg P Pdb Cd Wk Sg d F Cg, b P d Rg, 2010

eb 6.24 94Ag Pcg P Pdb Cd Wk, b P dId, 2010

eb 6.25 96Pcg Cd Wk FT V Wk P Cbb Wg, b F Sz d Rg, 2010

e m p loye e Cos T s hA ri N g

eb 7.1 102Pcg Cd Wk wN G A H P Ddcb Sg d F Cg, b P d F Sz, 2010

eb 7.2 103

Ag Cd Wk w N GA H P Ddcb Sgd F Cg, Pcg WH Fwg C Sg,b P , 2010

eb 7.3 104Ag Cd Wk w GA H P Ddcb SgCg, Ag Ddcb, b P d F Sz, 2010

eb 7.4 105Ag Cd Wk w GA H P Ddcb Sg

Cg, Ag Ddcb, b P d Rg, 2010

eb 7.5 106Ag Cd Wk w GA H P Ddcb SgCg, Ag Ddcb, b P ,2006–2010

eb 7.6 106Pcg Cd Wk Ed P w Hg G A Ddcb Sg Cg, B F Sz, 2010

eb 7.7 107Pcg Cd Wk Ed P w G A Ddcb $1,000 M Sg Cg,

B F Sz, 2006–2010

eb 7.8 108Ag Cd Wk w GA H P Ddcb SgPPO Cg, Db Ddcb,2006–2010

eb 7.9 108Ag Cd Wk w GA H P Ddcb SgPOS Cg, Db Ddcb,2006–2010

eb 7.10 109

Db G ADdcb Cd Wk w F Cg, b P d F Sz, 2010

eb 7.11 110Ag Cd Wk w G A H P Ddcb,Ag Ddcb F Cg,b Ddcb , P , dF Sz, 2010

eb 7.12 111Ag Cd Wk w GA H P Ddcb F Cg, Ag Aggg Ddcb,

b P , 2006–2010

eb 7.13 111Ag Cd Wk w GA H P Ddcb F Cg, Db Ddcb,b P d Ddcb , 2010

eb 7.14 112Ag Cd Wk w S P G A H PDdcb F Cg, Db Mx Nb F MbRqd M Ddcb, b P, 2010

eb 7.15 113Ag Cd Wk w AgggG A H P Ddcb F Cg, Db AgggDdcb, b P , 2006–2010

eb 7.16 114Ag Cd Wk w GA H P Ddcb, Pcgw Cg Fwg ScW Hg F M Ddcb,b P , 2010




eb 7.17 114Db Cd Wkw S C Sg HAd Add A G

A Ddcb, b P , 2010

eb 7.18 115Db Cd Wk wS C Sg OSg Add A GA Ddcb, b P , 2010

eb 7.19 116Ag Cd Wk w SC Sg H Ad O Sg Add A G A Ddcb, AgC Sg, b P , 2010

eb 7.20 117I Add A G A PDdcb, Pcg Cd Wkw Fwg C Sg Pc Oc V d Egc R V, b P , 2010

eb 7.21 118I Add A P Ddcb,Pcg Cd Wk wEgc R C Sg,b P , 2010

eb 7.22 118Ag Cd Wk w C

d/ Cc I-Nwk PcOc d Egc R V, AgC d Cc, b P ,2010

eb 7.23 119Ag Cd Wk w C Pc Oc V w P C Pc, Db C,b P , 2004–2010

eb 7.24 120Ag Cd Wk w C Pc Oc V w Sc C Pc, Db C,

b P , 2006–2010eb 7.25 121

Ag Cd Wk HMO wC Pc Oc V,Db Pcg Wkw V C, 1999–2010

eb 7.26 121Ag Cd Wk w Cc Pc Oc V, Db AgCc R, b P , 2010

eb 7.27 122Pcg Cd Wk W A O--Pck Mx Sgd F Cg, b P , 2010

eb 7.28 122Ag Cd Wk w AO--Pck Mx, Pcg WSdg V Sc D N Cwd O--Pck Mx, 2010

eb 7.29 123Ag Cd Wk w O--Pck Mx Sg Cg,Db O--Pck Mx,b P , 2010

eb 7.30 124Db O--Pck

Mx Cd Wk w F Cg, b P d F Sz, 2010

eb 7.31 125Ag Cd Wk w AgggO--Pck Mx F Cg, Db O--PckMx, b P , 2010

eb 7.32 126Ag Cd Wk w S P O--Pck Mx F Cg, Db O--PckMx, b P , 2010

eb 7.33 126Ag Cd Wk w S P O--Pck Mx F Cg, Db Mx Nb F Mb Rqd M Mx, b P , 2010

hi g h-D e D u CTi b le he A lTh p lA Ns

Wi Th s A vi Ng s op Ti oN

eb 8.1 132Ag F Og H B,Pcg T O HDHP/HRA d/ HSA-Qd HDHP, 2005–2010

eb 8.2 132Ag F Og H B,Pcg T O HDHP/SO,b F Sz, 2010

eb 8.3 133Ag F Og H B,Pcg T O HDHP/SO,b F Sz, 2005–2010




eb 8.4 133Pcg Cd Wk Ed HDHP/HRA HSA-Qd HDHP,2006–2010

eb 8.5 134Pcg Cd Wk Ed HDHP/HRA HSA-Qd HDHP,b F Sz, 2010

eb 8.6 134HDHP/HRA d HSA-Qd HDHPF Cd Wk, 2010

eb 8.7 135Ag A P d Cb Sg Acc Cd Wk HDHP/HRA HSA-Qd HDHP,Cd A N-HDHP/SO P, 2010

eb 8.8 136Db Cd Wk w Fwg G A DdcbA Sg Cg, HSA-QdHDHP d HDHP/HRA, 2010

eb 8.9 136Ag Cd Wk, Db G A Ddcb F Cg, HDHP/HRA dHSA-Qd HDHP, 2010

eb 8.10 137Db Cd Wk w Fwg Aggg F Ddcb

A, HDHP/HRA d HSA-QdHDHP, 2010

eb 8.11 137Pcg Cd Wk w Cg Fwg Sc W Hg F M Ddcb, HDHP/HRA dHSA-Qd HDHP, b B , 2010

eb 8.12 138Pcg Cd Wk P C S-Fdd HDHP/HRA dHSA-Qd HDHP, 2010

eb 8.13 138

Db Cd Wk w Fwg A E Cb HRA HSA, Sg Cg, 2010

eb 8.14 139Db Cd Wk w Fwg A E Cb HRA HSA, F Cg, 2010

eb 8.15 139Db F Cb HRA Sg d F Cg R Ag A F Cb HRA, 2010

eb 8.16 140Db F Cb HSA Sg d F Cg R Ag A F Cb

HSA, 2010

eb 8.17 141Db Cd Wk HDHP/HRA d HSA-Qd HDHPw Fwg C Sg Add G A Ddcb,2010

p re s Cri p Ti oN D ru g b e Ne i Ts

eb 9.1 146Db Cd WkFcg D C-Sg F Pc Dg B, 2000–2010

eb 9.2 147Db Cd Wk FcgD C-Sg F Pc Dg B, b P , 2010

eb 9.3 148Ag Wk w T, F, M C Sg, Db Cd Wk w Fwg C Sg Pc Dg,b Dg d P , 2010

eb 9.4 149Ag Cd Wk w T, F,

M Pc C Sg,Ag C d AgCc, 2000–2010

eb 9.5 150Ag Wk w w CSg Pc Dg, Db Cd Wk w Fwg C Sg Pc Dg,b Dg d P , 2010

eb 9.6 151Ag Cd Wk w w Pc C Sg, Ag Cd Ag Cc, 2000–2010

eb 9.7 151Ag Wk w S C SgRgd Dg, Db Cd Wk w Fwg C Sg Pc Dg,b P , 2010

eb 9.8 152Ag Cd Wk w SC Sg Rgd Dg,Ag C d AgCc, 2000–2010




p lA N u ND i Ng

eb 10.1 155Pcg Cd Wk

P C S-Fdd P,b F Sz, 1999–2010

eb 10.2 155Pcg Cd Wk P C S-Fdd P,b P , 1999–2010

eb 10.3 156Pcg Cd Wk P C S-Fdd P,b F Sz, Rg, d Id, 2010

eb 10.4 157Pcg Cd Wk P C S-Fdd P,b P d F Sz, 2010

eb 10.5 157Pcg Cd Wk P C S-FddHMO P, b F Sz, 1999–2010

eb 10.6 158Pcg Cd Wk P C S-FddPPO P, b F Sz, 1999–2010

eb 10.7 158Pcg Cd Wk P C S-Fdd

POS P, b F Sz, 1999–2010

eb 10.8 159Pcg Cd Wk P C S-FddHDHP/SO, b F Sz, 2006–2010

re Ti re e he A lTh b e Ne i Ts

eb 11.1 163Ag A Lg F (200 M Wk)Og H B Ac Wk,Pcg F Og R HB, 1988–2010

eb 11.2 164Ag F Og H B Ac Wk, Pcg F OgR H B, b F Sz, Rg,d Id, 2010

eb 11.3 165Ag A Lg F (200 M Wk)Og H B Ac Wk,Pcg F Og R HB, b F Ccc, 2010

eb 11.4 166Ag A Lg F (200 M Wk)Og H B Ac Wk dOg R Cg, Pcg F

Og H B E d Mdc-Ag R, 2000–2010

eb 11.5 167Ag A Lg F (200 M Wk)Og H B Ac Wk dOg R Cg, Pcg FOg R H B E dMdc-Ag R, b F Sz, Rg,d Id, 2010

We l lNe s s p rog rA m s ,

he A lTh ri s k A s s e s s m e NTs , A ND

D i s e A s e m A NA g e m e NT p rog rA m s

eb 12.1 173Ag F Og H B,Pcg Og Pc WPg T E, b F Sz,Rg, d Id, 2010

eb 12.2 174Ag F Og H B,Pcg Og Pc WPg T E, b F Sz,Rg, d Id, 2010

eb 12.3 175Ag F Og H B,Pcg F w FwgF W B, b F Szd Rg, 2010

eb 12.4 176Ag F Og H dW B, Pcg FT O Scc Ic EW Pc W Pg,b F Sz d Rg, 2010

eb 12.5 177Ag F Og H B dW Pg, Pcg T UScc Md Id Idd dEcg Pc W Pg,b F Sz, Rg, d Id, 2010

eb 12.6 178Ag F Og H B dW Pg, Pcg FRg Fwg F’ P R Og W Pg,b F Sz, 2010




eb 12.7 178Ag F Og H B dW Pg, Pcg F TTk Og W Pg Ec

Ig H Rdcg C, 2010

eb 12.8 179Ag F Og H B,Pcg F T O EH Rk A, O Ic C A, d U A Ic W Pc, b FSz d Rg, 2010

eb 12.9 180Ag F Og Fc Ic H Rk A, Pcg F T O Fwg Ic C A, b F Sz d

Rg, 2010

eb 12.10 180Ag F Og H B,Pcg F T O DMg Pg T P w Lg E d Pcg Fw D Mg Og FcIc Pc, b F Sz, 2010

eb 12.11 181Ag F Og H BT H D Mg Pg T P w Lg E,Pcg w Pc Pg,

b F Sz, Rg, d Id, 2010

eb 12.12 182Ag F Og H BT H D Mg Pg T P w Lg E,Pcg w Pc Pg,b F Sz, Rg, d Id, 2010

e m p loye r op i Ni oNs A ND

he A lTh p lA N p rA CT i Ce s

eb 13.1 187Ag B F Og d NOg H B, Db

F’ O Ec Fwg Sg C HIc C, b F Sz, 2010

eb 13.2 188Ag F Og H B,Pcg F T R T Md Fwg Cg R EccDw, b F Sz d Rg, 2010

eb 13.3 189Pcg F Og HB T Sd F Nw P H Ic C P Y,

b F Sz, 2010

eb 13.4 190Ag F Og H BT Sd Nw P IcC, Pcg Rg T T Cgd Ic C d/ HP P Y, b F Sz, 2010

eb 13.5 191Ag F Og M TO H P, Pcg FT O Fc Ic Eg Lw C P Hg Q P,B F Sz, 2010

eb 13.6 192Ag F Og H B,Pcg F w Scc POg d F T P wT Lg E, B F Sz, 2010

eb 13.7 193Pcg E Rg Fwg R M HP d Addc Eq Ac 2008,b F Sz d Rg, 2010

eb 13.8 194Pcg F T Rw H P

Pc Idc, b F Sz, 2010eb 13.9 194

Ag F Rg T T Rw H P Pc Idc,Db F’ O Ic d Sc w Idc, b F Sz, 2010

eb 13.10 195Ag F Og H B,Pcg F Og FxbSdg Acc d P-x EP Cb, B F Sz, 2010

eb 13.11 196

Pcg Cd Wk w A Mx B SgCg, b P , 2010

eb 13.12 196Pcg E w Cg Pc Cc EcAb P w LgE, b F Sz, 2010



t h e k a i s e r a m i l y o u n d at i o n - a n d - h e a l t h r e s e a r C h & e d u C a t i o n a l t r u s t

1

k dg 2010 ,

cdcd J g M 2010,

cd c g g d

w

wk cg. Ab q

(27%) cd wk ddcb

$1,000 g cg, d

g wk d

g-ddcb w g (HDHP/SO) 2009. F

dd cd c g

dcd c cg, cd

wk c

cc dw. 2010

c ck cg

g w b k

d cdd q

q dc d b

cg d M H

P d Addc Eq Ac.

H E A L T H I N S U R A N C E P R E M I U M S

A N D W O R K E R C O N T R I B U T I O N S

g

-d c

2010 $5,049 g cg d

$13,770 cg. Cd

2009, g cg

5% g ($4,824) d

cg 3% g ($13,375).

Sc 2000, g

cg cd 114% (Exb A).

Ag cg

w wk (3–199wk) wk g

(200 wk) ($13,250 .

$14,038). Ag g-

ddcb w g

(HDHP/SO) w

g b

g d cg (Exb B).

F PPO, c ,

g d

$14,000 2010.

A c c b

dc d ggc cdc, gc

d g .

w c cd wk

w

cg $16,524 (120%

g ), w 19%

cd wk w

$11,016 (80%

g ) (Exb C).

I 2010, cd wk cbd

g , b

cg d wk

d g dcd.Cd wk g cb 19%

g cg

( 17% 2009) d 30%

cg ( 27% 2009). A

w ,

cbd b wk cdb

d g. F g cg,

28% wk 25%

w 16% k

cb.

F- c wk w

cg 25% ; 5% k cb

(Exb D).

Lkg d , g

wk cb $899

g cg d $3,997

cg, $779 d $3,515

c 2009.2 Wk

(3–199 wk) cb b

g cg wk

g (200 wk) ($865 .

$917), b cb gc

cg ($4,665 . $3,652).

P L A N E N R O L L M E N T

j (58%) cd wk

d d d gz

(PPO), wd b c

gz (HMO) (19%), HDHP/SO

(13%), --c (POS) (8%), d

c (1%). M b,

cg cd wk HDHP/SO

8% 2009 13% 2010.

S u m m a r y o F i n d i n g s

Employer-sponsored insurance is the leading source of health insurance , covering about 157 million nonelderly

people in america.1 to provide current information about th e nature of employer-sponsored health benefits ,

the K aiser family foundation (K aiser) and the health research & educational trust (hret) conduct an annual

national survey of nonfederal private and public employers with three or more worKers. thi s is th e twelfth

K aiser/hret survey and reflects health benefit information for 2010.

Employer Contribution Worker Contribution

20102000

$3,997

$9,773

$13,770

$1,619

$4,819

$6,438

114%

Premium

Increase

147%

Worker

Contribution

Increase

E x h i b i t A

Aa Anna hat inanc p and W Cnttn

a Ca, 2000–2010

sc: k/hret sv epsp h B, 2000–2010.



2


E M P L O Y E E C O S T S H A R I N G

M cd wk c dd c

w c c. M

wk PPO (77%) d POS

(66%) g ddcb

g cg b b

c b b . I

c, 28% wk HMO

g ddcb g

cg, g 16%

2009. M wk w ddcb

c g c c.

Ag wk w ddcb,

g g ddcb g

cg $675 wk PPO, $601

wk HMO, $1,048 wk

POS , d $1,903 wk

HDHP/SO (wc b d g

ddcb). A c , wk

(3–199 wk) w g

cg g ddcb

wk g (200 wk).

Ag ddcb g cg d

b g .

cg cd wk w

ddcb $1,000 g

cg gw 22% 27%

. Cd wk

k cd wk g

(46% . 17%) b w

ddcb $1,000 (Exb E).

M c c c b

ddcb . F x,

c , PPO, 91% cd

wk w g ddcb

d ddcb b

c cd. S c

cd wk PPO d

ddcb b c c

cd, d 92% d

ddcb b c

dg cd.

j wk

c c c .

F x, 75% cd wk

c ( xd d ) d 16%

cc ( cg cg)

c c , d

c c , 73% cd wk

c d 17% cc.

M cd wk HMO, PPO,

d POS c c, w

cd wk HDHP/SO

k cc q

c g ddcb . Cd wk w c

g $22 c d

$31 c c -wk

c , cd $20 d $28

c 2009. F cd wk

w cc, g cc

18% b c d c

c. cc

-wk c g, b w

--wk c g g.

E x h i b i t b

Aa Anna e and W p Cnttn and Tta p Cd W

sn and a Ca, pan T, 2010

Single

HMO

Family

ALL PLANS

HDHP/SO

Single

Family

PPO

Single

Family

POS

Single

Single

Family

Family

Worker Contribution Employer Contribution

$0 $2,000 $4,000 $6,000 $8,000 $10,000 $12,000 $14,000 $16,000

$1,028*

$4,102 $5,130

$4,357 $14,125$9,768

$899 $4,150

$905

$974

$5,195*

$4,265

$8,018*

$4,219

$14,033

$13,213

$12,384*

$13,770

$4,470*

$3,997 $9,773

$3,823

$5,124

$5,239

$10,210

$632*

$3,522

$3,839*

$8,861*

$5,049

* e c a P b cvg p (p<.05).

sc: k/hret sv epsp h B, 2010.




3

A cd wk (99%)

c dg cg, d

j c c g

c. O -q (78%)

cd wk w

c g

g bd c

dg. C c

cc . Ag

wk w - - ,

g c c

$11 - dg, cd

gc; $28 cd- dg,

cd d; $49 d- dg,

cd d; d $89

- dg.

C g c dg b

. Cd wk HDHP/SO

k wk

b w c g

ddcb w

c g gd

dg.

M wk c dd c

g d

g. F d,

g ddcb, 53%

cd wk cc,

E x h i b i t C

Dttn p sn and a Ca rat t t Aa Anna sn a p, 2010

n: t vg p $5,049 g cvg $13,770 cvg.


sn Ca a Ca

p ran, rat

t Aa p

P rg,

d a

Pcg Cv

W rg

P rg,

d a

Pcg Cv

W rg

l 80% l $4,039 20% l t $11,016 19%

80% l t 90% $4,039 <$4,544 16% $11,016 <$12,393 18%

90% l t avg $4,544 <$5,049 21% $12,393 <$13,770 14%

avg l t 110% $ 5,049 <$5,554 16% $13,770 <$15,147 18%

110% l t 120% $5,554 <$6,058 10% $15,147 <$16,524 12%

120% m $6,058 m 17% $16,524 m 20%

E x h i b i t D

Dttn t pcnta Tta p pad Cd W sn and a Ca, s, 2010

* db a s a lg c (p<.05).


0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100%

35% 39% 18% 8%

6% 65% 27%

1%

SINGLE COVERAGE

FAMILY COVERAGE

All Small Firms(3–199 Workers)*

All Large Firms(200 or More Workers)*

ALL FIRMS

All Small Firms(3–199 Workers)*

All Large Firms

(200 or More Workers)*

ALL FIRMS

16% 56% 24%

13% 30% 25% 32%

1%

50% 40% 8%

4%

5% 43% 35% 16%

Greater than 25%, less than or equal to 50%

Greater than 50%

0%

Greater than 0%, less than or equal to 25%



4


19% c, d 10%

b cc d c.

A dd 5% d (

d) d 5%

ddcb. F

d, g cc

18%, g c $232

d, g d

cg $228, d g

ddcb $723.

Ag cd wk

b c g w

ccg c,

c g

wk c , g

d --ck x.

Eg-w c cd wk

--ck x

g cg, b

cdb. F x, g cdwk --

ck x g cg,

31% w

--ck x $3,000

, d 16% w

--ck x

$1,500. E w --

ck , dg c

wd --ck x. F

x, g wk PPO w

--ck x, 74%

d c c c

c, 32%

d c dg g

ddcb, d 80%

d c c dg

dg w dg

cd --ck .S

w b

. w c cd

wk w

b g cg.

A V A I L A B I L I T Y O F E M P L O Y E R -

S P O N S O R E D C O V E R A G E

Sx- c d

g b, wc

gc g 60%

d (Exb F). cg g 13 cg

c g g

w 3 9 wk. W

b b z cg

, ’ cg c

g bd, d

c cg c. G

w cc c d g

, k

bg g cg.

A b x -g

w k dg

, d -g

d g g

g .

g bd

dd dc gcg cg wk

g b bc wk

d b g . cg

wk g b

91% 2009 93% 2010.

E cg,

wk cd. S wk

gb wg

d wk- .

O c ,

bc c cg

b cc cg g

. Ag cg,

g 79% wk gb

b d b

. O gb, 80% k

cg, g 63% wk

g b g

cg g . Ag

b d d

b, 59% wk cd

b d b ,

cg d .

E x h i b i t E

pcnta Cd W end n a pan wt a gna Anna Ddct $1,000 m sn Ca,

s, 2006–2010

* e c pv w (p<.05).

n: t c w hdhP/so p p. Bc w cc b cv p, b cvv, w w cv p v cb $1,000 . Bc w cv p, pc p .


2006 2007 2008 20102009

All Small Firms (3–199 Workers) All Large Firms (200 or More Workers) All Firms

0%

10%

20%

30%

40%

50%

16%

10%

6%

21%*

12%*

8%

35%*

18%*

9%

40%

22%*

13%*

46%

27%*

17%




5

H I G H - D E D U C T I B L E H E A LT H

P L A N S W I T H S A V I N G S O P T I O N

Hg-ddcb w g

cd (1) w

ddcb $1,000 g cg

d $2,000 cg d w

H Rb Ag(HRA), d “HDHP/HRA,” d

(2) g-ddcb

d g q

b d cb H Sg

Acc (HSA), d “HSA-qd

HDHP.”

F c g

b HDHP/SO 2010.

Ag w 1,000 wk,

34% HDHP/SO, 28%

2009 d 22% 2008.

c cd wk

d HDHP/SO, 8%

2009. S c cd wk

d HDHP/HRA,

3% 2009. cg cd

wk d HSA-qd

HDHP d d 6%. N

c cd wk

(3–199 wk) d

HSA-qd HDHP, cd 5%

wk g (200

wk) (Exb G).

A ddcb g cg

HDHP/HRA d HSA-qd

HDHP g $1,737 d $2,096,

c, . Wk

HSA-qd HDHP

(3–199 wk) c g ddcb

g cg ($2,284) d

E x h i b i t F

pcnta on hat bnft, s, 1999–2010

* e c pv w (p<.05).

n: a sv dg m c , p b b p b cp v w j q b w b.


FiRM SiZE 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010

3–9 W 56% 57% 58% 58% 55% 52% 47% 48% 45% 49% 46% 59%*

10–24 W 74 80 77 70* 76 74 72 73 76 78 72 76

25–49 W 86 91 90 86 84 87 87 87 83 90* 87 92

50–199 W 97 97 96 95 95 92 93 92 94 94 95 95

All Small Frms

(3–199 Workers)65% 68% 68% 66% 65% 63% 59% 60% 59% 62% 59% 68%*

All Large Frms

(200 or More Workers)99% 99% 99% 98% 98% 99% 98% 98% 99% 99% 98% 99%

ALL FiRMS 66% 69% 68% 66% 66% 63% 60% 61% 60% 63% 60% 69%*

E x h i b i t G

pcnta Cd W end n an hDhp/hrA hsAQafd hDhp, s, 2010

* e c bw a s a lg w cg (p<.05).


HDHP/HRA HSA-Qualied HDHP* HDHP/SO

0%

10%

20%

30%

40%

All Small Firms (3–199 Workers)

All Large Firms (200 or More Workers)

All Firms

7%7% 7%9%

5% 6%

16%

12% 13%



6


cg ($4,258) wk w

HSA-qd HDHP g

(200 wk), w ddcb

g $1,895 g cg d

$3,734 ggg ddcb

cg.3 Lk wk

, wk cd

b HDHP/HRA c g ddcb

wk g w

g cg ($2,119 . $1,541).4

dgg c g-

ddcb g

b . Wk d

HDHP/HRA c g

cb $907

g cg d $1,619

cg (Exb H). g HSA

cb $558 g cg d

$1,006 cg. N

cb HSA. Ab w

g (cg b

65% wk cd b HSA-qd

HDHP) k cb HSA

wk. g

cb HSA cbg

$858 g cg d

$1,546 cg.

g g cg

wk HSA-qd HDHP d

HDHP/HRA w g wk

HDHP/SO. F cg,

g HSA-qd

HDHP w g

wk

HDHP/SO. g wk

cb HSA-qd HDHP

g cg w

g -HDHP/SO .

R E T I R E E C O V E R A G E

w-g c g

(200 wk)

b 2010, wc c

d 2009 30%,

b dw 34% 2005.5 O

cg (3%)

(3–199 wk)

b. Ag g

b, 93%

b (g b

g 65) d 75% b

Mdc-g .

W E L L N E S S B E N E F I T S A N D

D I S E A S E M A N A G E M E N T

Wkc w g

b b

g b d

wk d . A

- (74%)

b

wg w g: wg

g, g b dc

- xc c, kg c

g, ccg, c

g, wb-bd

c g, w

w. cg g

w b cd

E x h i b i t h

Aa Anna p and Cnttn t san Accnt Cd W n hDhp/hrA

hsAQafd hDhp, Cad t A NnhDhp/so pan, 2010

* e c a nhdhP/so P (p<.05).

‡W cb hsa (60% g cvg 61% cvg) c cc, vg cb hsa cv w $858 g cvg $1,546 cvg. hdhP/hra, w p c vb hra cb c. hra cc, p q c p c p. t, p p c vb p g hra. t, p cb hra w cp v c p w c p.

§i cp c hdhP/so p hdhP/so, w c cp vb cg hdhP/so .

na: n appcb.

n: V w b q cp p. t vg p b ggg v vg, wc gc ppp g vg. t v t a P, t a Cb, t a C.


hDhP/hRA hSA-Qualfed hDhP Non-hDhP/SO Plans§

sg sg sg

toal Annual Premum $4,702* $13,068 $4,233* $11,683* $5,136 $13,979

W Cb P $799 $3,604 $444* $3,457 $939 $4,069

Cb P $3,903 $9,464 $3,789* $8,225* $4,197 $9,910

Annual Frm Conruon o e hRA or hSA‡ $907 $1,619 $558 $1,006 na na

toal Annual Frm Conruon ( s

P P C b hra hsa) $4,810* $11,083* $4,347 $9,231 $4,197 $9,910

toal Annual Cos (t P P

Cb hra hsa, appcb) $5,608* $14,687 $4,791* $12,688* $5,136 $13,979




7

( 58% 2009), w

c w g

cg (51%) g

b wb-bd c

g 2010 2009 (36%).

F g cg d w

b w b

(87%) dd g

b dc. O

cg (10%) g

b d cd w

g c wk

c w g.

H k d w

d d

k d d cd wk.

E c g

b g

cg k ,

d - (53%) k d

d c

w g.6 Lg (200

wk) k

k

(3–199 wk) (55%

. 10%). w-w c

g k

c c wk c

. Lg k

c c

(36% . 19%). Ag d

g c c c k ,

39% d g

cd, , cd, c;7 14%

d

; 8% d

ddcb;

d 1% d w

cc .

- c g

b d g

cd d g

g, 26% d

2008 w q w kd.

Lg (200 wk)

k (3–199 wk)

cd d g g

g (67% . 30%).

O T H E R T O P I C S

heal Plan Qualy. I 2010, w kd w w c

dc ’ cc d

c q. Lg (200

wk) w k w

c dc

(3–199 wk) (34% . 5%). Ag

w d wg c

dc, c dc

d w C A

Hc Pd d S

(CAHPS) (77%) d c

d (61%). S- c d

w “w d” “ d” w

b q. Hw,

49% d

w “w ” “

” dc c

.

Response o e Economc Downurn.

F w w kd b cg d

b

c. , 30%

dd dcd c

b cd c g, d

23% d cd

wk . Ag g

(200 wk), 38% d

dcg c b cg

c g, 22% 2009, w

36% d cg wk’

, 22% 2009.

Menal heal Pary. c M H P d Addc Eq

Ac 2008 d w

50 wk k cg

b.8 - c

w 50 wk dd

d d cg; g (200

wk) w k

d (51–199 wk)

(43% . 26%). Ag cgd

b, w-d (66%) d

cg, 16% cd

z g

b, d 5% dcd dd cg (Exb I).

E x h i b i t i

pcnta Wt m Tan 50 W rtn t wn a a rt t 2008 mnta hat pat

and Addctn eqt Act, 2010

‡ag pg cg b m h P ac eq ac 2008.


0% 20% 40% 60% 80% 100%

Changed Mental Health Benets

Eliminated Limits on Coverage‡

Dropped Mental Health Coverage‡

Increased Utilization Managementof Mental Health Benets‡

Other‡

31%

66%

5%

16%

23%



8


C O N C L U S I O N

2010 d c

d gw w

c d g --ck

c . P cd j

5% g cg d 3%

cg bw 2009 d 2010. A , wk w

g d cg

gw .

cg wk w

ddcb $1,000 g

cg c cb, w

q (27%) wk g

d - (46%) wk

c . cg wk HDHP/SO gc

8% 13% .

ckg w d w wk --

ck c c gw w b

c x

w . w cc c d

cg g gg

d cg --ck

c w , wk c dd b b w c

c b .

__________________________________________________________________________________________________________________________________________________________

1k , k C mc u, The Uninsured: A Primer , ocb 2009.

2t vg w cb c w w cb.

3d p w w ggg cb w pg b cv p c w cb.

4t fc vg hdhP/hra ggg cb cp cvg.

5W w c 0.46% g c cvg b v g b. hc b v b cc cpb.

6h g c q c , , .

7i 2010, w c cv p w cp pv g c, v, c, c, w 2009,

q w g , cg w p c cv.8

m h P ac eq ac 2008, www.c.gv/c/04_pc.p.



69%

$1

3,

77

0

$ 5

,

0 4

9

2010

Employer Health Benefits

2 0 1 0 a n n u a l s u r V e y

S

Dg

d

Md



Eple Helth Beeft 2010 Anna s

10


S u r v e y D e S i g n a n D M e t h o D S

the K aiser family foundation an d th e health research & educational trust (K aiser/hret)

conduct this annual survey of employer-sponsored health benefits . hret, a nonprofit research

organization, is an affiliate of th e american hospital association. the K aiser family foundation

designs, analyzes, and conducts this survey in partnership with hret, and also pays for the cost of

the survey. hret subcontracts with researchers at national opinion research center (norc) at the

university of chicago, who worK with foundation and hret researchers in conducting the study.

K aiser/hret retained national research, llc (nr), a washington, d.c.-based survey research firm,

to conduct telephone interviews with human resource and benefits managers using the K aiser/hret

survey instrument. from January to may 2010 nr completed full interviews with 2,046 firms.

s u r v e y T o p i C s

A , K/HRE kd c

cg 400 q b

g c gz (HMO),

d d gz (PPO), --

c (POS) , d g-ddcb

w g (HDHP/SO).1 I 2006,

K/HRE bg kg

d w xc d

gz (EPO). W EPO d HMO

g d

d b “HMO;”

b HMO d EPO, kd b b w g .

Nw c 2010 cd q

gb dd cg, cg

c cd cc, cg

M H P d Addc

Eq Ac 2008, d d g. A

, ’ cdd q

c c, , cg,

gb, , ,2

c g, c dg b,

b, w b, d .

1 hdhP/so c gcb p w h rb ag (hra) h

svg acc (hsa). ag hra c b g w p hdhP, v cc

hra g w hdhP. pcc hdhP, hra, hsa,

c sc 8.

2 hdhP/so p c cb b p h svg acc h

rb ag.

3 i , 185 pcp 2007 2009, 367 pcp 2008 2009, 939 pcp 2007,

2008, 2009.

n o t e :

r e s p o N s e r A T e

A dg qd U.S.

C B d, K/HRE dw

S Sg Icd (bd

g D d Bd ) ’

d C B’ C

G bc w

wk. c c, K/HRE

d b d d b

wk . K/HRE d

w w ’ d (w

) w cd

2008 2009 , b. A ,1,547 ’ 2,046

cd 2008, 2009, b .3

T 47%.

T j q kd

b. A 1,892 dg

dcd d b. T

b

48%.

W kd q d w

wc w d cc w dcd




11


c. T q w, “D c

c g b

?” A 3,143 dd

q (cdg 2,046 w dd

d 1,097 w dd

q). T cdd cg g

b.4 T q 73%.

i r m s i z e C A T e g o r i e s A N D k e y D e i N i T i o N s

Tg , xb cgz d b z

, g, d d. F z d

w: A S, 3 199 wk; d A Lg,

200 wk. Occ, z cg

w b bk g. T A S g

b cgzd b: 3 24 wk, d 25 199

wk; 3 9 wk, 10 24 wk, 25 49

wk, d 50 199 wk. T A Lg g

b cgzd b: 200 999 wk, 1,000

4,999 wk, d 5,000 wk. Exb

M.1 w cd ccc .

Exb M.3 d wc c g.

Exb M.2 d db ’

, wk, d cd wk (

cg cg ). Ag

, x

59.6% g 3 9 wk; c

8.3% wk d 5.5% wk cd

b c. I c, c

g 1,000 wk;

47.5% wk d 51.3% cdwk. T, d

c b w g

dg. I c, w 1,000 wk

g ccg

c gdg cd wk, c

g cg ’ wkc.

Tg , w “-wk”

c cd d d.

F cg dd cg

.

Ec , k cg

cd .

T , c d d $23,000

. T d bd 25 c

wk’ g d b B Lb

Sc g d N C

S (2008), c d b

dg. T d w

djd cc cg wk’ g

2008 2009, g B Lb

Sc’ E C Idx.

r o u N D i N g A N D i m p u T A T i o N

S xb d

d dg c. I w c, b

db xb dd q

b cd x d dg

c. Ag d z d

d c d, bkdw

b b d d z. W

wgd z w 30, xb

cd “NSD” (N Sc D).

c b, K/HRE g b

. I g, 5% b

d g b. A b

d wg dck c. I 2010,

w b w

xcdd 20% b w 30%. F

c, d b w cd w

d b d c gc

dc. T w b K/HRE

dcdd d b d; c

b w “d’ kw” cdd d

( x, ’ b

c g c c c).

s A m p l e D e s i g N

W dd q bd

bd U.S. C.

P 2009 , q w

bd c dd b S Sg

Icd (SSI) (wc b d D

d Bd). O , w d

D d Bd qc c b

bc dc g ,

g b. T ccc b

z d d. I 2003, w bg g

c d cc c dd b C

B’ Sc U.S. B d C

G b -c,

4 e p eb 2.1, 2.2 2.3 b p b cp v

w j q b w b.

n o t e :




12


g w dw D d

Bd . I d dd cc

g, w w C d

b .

W d Edc gcg, bg Sc

cg. P 2009, Edc w

d g Sc .

Edc cd dg -c,

d djg g c

Edc w cc

b Edc d Sc d.

I , b d g

w d D d Bd db.

Bgg 2009, G w d

- 2007 C G.

T cg w d

gc w q d

D d Bd db. T

cd d /

c g, d dd

C G, cd

g d d

dw c cd .

F, d d d 2010 E

H B cd U.S. C’

2006 Sc U.S. B d 2007 C

G. A dg

(Dcb 2009), d d

c b bc d wd w wk.

A , -c bd

--d C d b ( 2007

d C U.S. B w cd

dg d d) d 2007 C

G. T C G

cdcd , d cd

d 2007 C G

b b .

W e i g h T i N g A N D s T A T i s T i C A l s i g N i i C A N C e

Bc K/HRE c d,

b g c wg

x ( w z,

g, d d) g. T wg w

K/HRE dg bd b

wk cd b , b

wk, d b . I g,

dg d (c , wk

cb, d c g) wgd b

cd wk. O , c

, wgd b . Scc wg w

cd z HDHP/SO d

w HRA HSA-qd. T wg

d c

g.

Cc wg w c c.

F, bc wg dd, wd b

dj. A

dj, K/HRE cdcd w-

w d

c . T w-

cdcd d dd cc gdg -

c b g . F

w 3–49 wk dd c

ccd d kd ( -kd c

dd q b

g b) w

b. A c, w cdc McN w-

cb g .

I dc cb,

dj d wg d

w ccg . T ,

c w bg cdcg w- ,

dcd wg

q b g b

g d wg w-

w d (c gc dc

<0.05 bw w ), ggg

cb. T, w dd

w- dj wg w . I ,

dj wd

b cg , kg

dj k k w

g w kg c . F

2010, w w g d xcd c

( 60 c 2009 69 c

2010) d c w 3

9 wk ( 46 c 2009 59 c

2010). W kg dj

ddd z cg, wd

b g d dc x cg

dj cb

d b d.

Nx, w d wg d dc

c wg . F, w dd c

g b. W c g, w dd

d d q g wg d

ccd g c d x

q g (M + [6 * IQR]). Wg




13


g c d

c . I c, c

wg w d.

F, w d -c dj. W

d U.S. C B’ 2007 Sc U.S.B b c d -

c dj c,

d w d 2007 C G

b -c bc c .

W c k w

c d, , w

cd wk d

d w -dd dw b

. Hw, d dcg k

c , 2006, w d

kg d dd q b

b c .5 A

2009 cd wk wg g

cd wk w c cg.

T, d c-g

d g wk cd b HMO, PPO,

POS , HDHP/SO. Rg wk cd

b c c cd

wk wg c

d “A P,” c g g

. I c w

c ,

d cdd “A P” g. T

xc w -dd,

wc w . F c, w wg c b cd

wk, cdg c c.

T c w q c

g kd dc

q c c-g

. F x, c

c dg kd

c c dg. Bc

c b (g d c

) c w

, wg b

w cd d cc c cd wk c .

T d zd w SUDAAN,6 wc

c dd b

cg cx dg .7 A

c d 0.05 ,

w d. F g w ,

c cdcd c g w, w d. N

c cdcd 1999.

Sc g bg ( w 25–49

wk, c) d g

z cdd bg ( z NO

cdg w 25–49 wk, x).

d g d d;

x, N cd NO

N ( ggg Mdw,

S, d W). Hw, c

cd c ( x, g

PPO) d g “A P”. I c, w -cc

g (

x, g d HDHP/SO

g g d HMO, PPO,

d POS ); d cc x.

T w c d -

d P C-q .

T b b b,

c b cc w H

Sg Acc H Rb

Ag, d g b d

. T b c g wg, . T d

d b cd wg

g

; w,

c gc.

h i s T o r i C A l D A T A

D c dg

j d b K F

Fd d H Rc & Edc

, wc b cdcd c 1999. P

1999, w cdcd b H

Ic Ac Ac (HIAA) d KPMGg , b d

5 i 2010, 1% cv w cv p.

6 rc tg i (2008). sudaan sw sc a C d, r 10.0, rc

tg P, nC: rc tg i.

7 a tcc spp w c 2010 ep h B sv c b

www..g/c/8085/.c.

n o t e :




14


b g . Fwg

’ dc 1987, HIAA cdcd

g 1990, b d

b . KPMG cdcd

1991–1998. Hw, 1991, 1992, 1994,

d 1997, g w d. I 1993,1995, 1996, d 1998, KPMG wd b g

d . I 1998, KPMG dd

C d B Pcc, d

d cdd dg

b HRE.

T c d 1993, 1996,

d 1998 KPMG S E-Sd

H B d 1999-2009 K/HRE

S E-Sd H B. F

g- c, w 1988

’ cdcd b HIAA, wc KPMG d K/HRE bd.

T dg .




15


k/hret sv epsp h B, 2010.

s o u r c e :

e x h i B i t m . 1

sc Cc c sv sp, 2010

sp szsp db

a Wgg

Pcg t

Wg sp

irm size

3–9 W 91 2,030,546 59.6%

10–24 W 211 795,120 23.3

25–49 W 170 282,541 8.3

50–199 W 300 211,879 6.2

200–999 W 470 60,925 1.8

1,000–4,999 W 483 17,545 0.5

5,000 m W 321 8,242 0.2

All irm sizes 2,046 3,406,798 100%

regioNn 416 662,248 19.4%

mw 579 776,201 22.8

s 678 1,167,470 34.3

W 373 800,879 23.5

All regioNs 2,046 3,406,798 100%

iNDusTry

agc/mg/Cc 126 421,087 12.4%

mcg 201 209,101 6.1

tp/Cc/u 121 128,114 3.8

W 105 193,150 5.7

r 142 423,924 12.4

c 130 234,153 6.9

svc 893 1,345,065 39.5

s/lc Gv 138 50,587 1.5

h C 190 401,617 11.8

All iNDusTries 2,046 3,406,798 100%




16


e x h i B i t m . 2

d b ep , W , W Cv b h B , b sz, 2010

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

EMPLOYERS WORKERS COVERED WORKERS

5,000 OR MORE WORKERS

1,0004,999 WORKERS

200999 WORKERS

50199 WORKERS

2549 WORKERS

1024 WORKERS

39 WORKERS

59.6%

8.3%5.5%

8.3%

23.3%

7.5%

9.4%

7.5%

7.6%

0.2% 0.5%

6.2%1.8%

34.6%

12.9%

13.4%

14.0%

36.9%

14.4%

13.8%

14.3%

n: d b pc q u.s. C B c

(2007) sc u.s. B pv c . s c gv C B’ 2007 C Gv.


s o u r c e :




17


e x h i B i t m . 3

s b rg, 2010

k/hret sv epsp h B, 2010; u.s. dp Cc, ecc

sc a, u.s. C B, vb p://www.c.gv/g/www/_gv.p.

s o u r c e :

Ntat mdwt st Wt

Ccc i ab a

m i a az

mc iw dw C

nw hp k d c C b C

nw J mcg hw

nw y m Gg i

Pv m kc m

r i nb l nv

V n d m nw mc

o mpp og

s d n C u

Wc o Wgs C Wg

t

t

Vg

W Vg





69%

$1

3,

77

0

$ 5

,

0 4

9

2010


2 0 1 0 a n n u a l s u r V e y

sect ion

C H

Ic

1



1


20


C o S t o f h e a l t h i n S u r a n C e

The average annual premiums in 2010 are $5,049 for single coverage and $13,770 for family coverage .

compared To 2009, Th e average premiums are abouT 5% an d 3% higher for single an d family coverage,

respecTively.

smaller firms (3–199 workers) have a lower average family premium ($13,250) Than larger firms (200

or more workers) ($14,038).

p r e m i u m C o s T s o r s i N g l e

A N D A m i l y C o v e r A g e

T g c g cg

2010 $421 $5,049 (Exb

1.1). T g c cg $1,147 $13,770 (Exb 1.1).

T g cd wk

HDHP/SO w g d

cg g

cd wk (Exb 1.1).

T g cg

cd wk (3–199 wk)

w g wk g

(200 wk) (Exb 1.2). T

g g cd

wk d g .

Ag g d cd

wk g N d w

S g cd

wk g (Exb 1.3).

P b dg d wkc

b.

Ag g d g

cd wk w

wk cd wk

w (Exb 1.5 d 1.6).

Cd wk w 35%

wk g 50 d g g

g d cd

wk w w cg

wk g 50 d (Exb 1.5 d 1.6).

Ag g d

cd wk -

dd d (Exb

1.5 d 1.6). Hw, g g

(200 wk), w d b, wk

-dd w g d

wk

d b (Exb 1.5 d 1.6).

T g d b d bw

g b g d cg.

S c cd wk

d b g

20% g g

g $5,049, w 20% cd

wk g

80% g g (Exb 1.7 d 1.8).

F cg, 20% cd wk

d

20% g g

$13,770, w 19%

cd wk

80% g

(Exb 1.7 d 1.8).

p r e m i u m C h A N g e s o v e r T i m e

I 2010, g g ($5,049)

5% g g 2009($4,824) d ($13,770) b

3% g g

w d ($13,375) (Exb 1.11).

T $13,770 g

2010 27% g g

2005 d 114% g

g 2000 (Exb 1.11).




21


F d w, g

cd wk (3–199 wk) gc w

g cd wk

g (200 wk). T g

cd wk

d g b

(Exb 1.12).

T g cd

wk d g gw

bw 2005 d 2010 (25%

. 27% g ). Bw

2000 d 2010, g

cd wk cd 103%, cd c

120% wk g (Exb 1.13).

F g (200 wk),

g cd

wk d gw

wk -

dd 2005 2010 (35%

d . 26% -dd ) d

2000 2010 (132% d

. 116% -dd ) (Exb 1.14).



1


22


exhiBit 1 .1

avg m a P Cv W , sg Cvg, b P

tp, 2010

m a

hmo

sg Cvg $428 $5,130

Cvg $1,177 $14,125

ppo

sg Cvg $427 $5,124

Cvg $1,169 $14,033

pos

sg Cvg $437 $5,239

Cvg $1,101 $13,213

hDhp/so

sg Cvg $373* $4,470*

Cvg $1,032* $12,384*

All plAN Types

sg Cvg $421 $5,049

Cvg $1,147 $13,770

* e c a P (p<.05).


s o u r c e :




23


exhiBit 1 .2

avg m a P Cv W , b P tp sz, 201 0

m a

sg Cvg Cvg sg Cvg Cvg

hmo

a s (3–199 W) $428 $1,107* $5,133 $13,285*

a lg (200 m W) 427 1,208* 5,129 14,492*

All irm sizes $428 $1,177 $5,130 $14,125

ppo

a s (3–199 W) $431 $1,145 $5,169 $13,735

a lg (200 m W) 425 1,180 5,104 14,161

All irm sizes $427 $1,169 $5,124 $14,033

pos

a s (3–199 W) $429 $1,069 $5,145 $12,825

a lg (200 m W) 450 1,154 5,402 13,850

All irm sizes $437 $1,101 $5,239 $13,213

hDhp/so

a s (3–199 W) $371 $1,002 $4,454 $12,022

a lg (200 m W) 373 1,053 4,482 12,640

All irm sizes $373 $1,032 $4,470 $12,384

All plANs

a s (3–199 W) $420 $1,104* $5,046 $13,250*

a lg (200 m W) 421 1,170* 5,050 14,038*

All irm sizes $421 $1,147 $5,049 $13,770

* e c w p p bw a s a lg (p<.05).


s o u r c e :



1


24


exhiBit 1 .3

avg m a P Cv W , b P tp rg, 201 0

m a


hmo

n $480* $1,257* $5,756* $15,082*

mw 421 1,197 5,049 14,364

s 414 1,129 4,972 13,550

W 401* 1,142 4,817* 13,703

All regioNs $428 $1,177 $5,130 $14,125

ppo

n $457* $1,243* $5,484* $14,917*

mw 430 1,204 5,154 14,451

s 404* 1,121* 4,846* 13,448*

W 445 1,157 5,338 13,880

All regioNs $427 $1,169 $5,124 $14,033

pos

n $481* $1,235 $5,776* $14,820

mw 482 1,290* 5,788 15,484*

s 402* 1,029 4,826* 12,347

W 433 1,007 5,197 12,084

All regioNs $437 $1,101 $5,239 $13,213

hDhp/so

n $398 $1,156 $4,779 $13,869

mw 359 985 4,313 11,818s 371 1,029 4,451 12,345

W 372 989 4,459 11,873

All regioNs $373 $1,032 $4,470 $12,384

All plANs

n $457* $1,235* $5,484* $14,815*

mw 417 1,164 5,009 13,973

s 402* 1,103* 4,820* 13,238*

W 421 1,122 5,056 13,463

All regioNs $421 $1,147 $5,049 $13,770

* e c w p p c g (p<.05).


s o u r c e :




25


exhiBit 1 .4

avg m a P Cv W , b P tp i , 2010

m a


hmo

agc/mg/Cc nsd nsd nsd nsd

mcg $395* $1,159 $4,744* $13,911

tp/Cc/

u

412 1,195 4,946 14,336

W nsd nsd nsd nsd

r nsd nsd nsd nsd

c 396 1,169 4,749 14,032

svc 446 1,134 5,348 13,603

s/lc Gv 471 1,269 5,651 15,222

h C 457* 1,290* 5,484* 15,476*

All iNDusTries $428 $1,177 $5,130 $14,125

ppo

agc/mg/Cc $384* $1,073* $4,608* $12,871*

mcg 407 1,171 4,886 14,053

tp/Cc/

u

402* 1,143 4,829* 13,712

W 402 1,158 4,830 13,892

r 399 1,038* 4,794 12,456*

c 427 1,244* 5,119 14,932*

svc 423 1,163 5,079 13,959

s/lc Gv 512* 1,260 6,145* 15,122

h C 484* 1,264 5,811* 15,172

All iNDusTries $427 $1,169 $5,124 $14,033

pos


mcg nsd nsd nsd nsd

tp/Cc/

u

nsd nsd nsd nsd

W nsd nsd nsd nsd

r nsd nsd nsd nsd

c nsd nsd nsd nsd

svc $443 $1,088 $5,310 $13,055

s/lc Gv nsd nsd nsd nsd

h C nsd nsd nsd nsd

All iNDusTries $437 $1,101 $5,239 $13,213

Continued on next page



1


26


e x h i B i t 1 . 4

avg m a P Cv W , b P tp i , 2010

m a


hDhp/so


mcg $390 $1,036 $4,685 $12,428

tp/Cc/

u

352 987 4,221 11,847

W 368 1,040 4,419 12,485

r nsd nsd nsd nsd

c 346 999 4,147 11,984

svc 376 1,051 4,517 12,615

s/lc Gv nsd nsd nsd nsd

h C 377 1,041 4,529 12,497

All iNDusTries $373 $1,032 $4,470 $12,384

All plANs

agc/mg/Cc $386* $1,057* $4,628* $12,689*

mcg 402 1,144 4,818 13,729

tp/Cc/

u

397* 1,133 4,763* 13,591

W 399 1,143 4,783 13,712

r 398 1,032* 4,782 12,387*

c 407 1,192 4,883 14,310

svc 423 1,135 5,073 13,619

s/lc Gv 488* 1,224 5,852* 14,684

h C 459* 1,241* 5,507* 14,888*

All iNDusTries $421 $1,147 $5,049 $13,770

* e c w p p c (p<.05).

nsd: n sfc d.


s o u r c e :

Continued from previous page




27


exhiBit 1 .5

avg a P Cv W w sg Cvg, b Cc c , 2010

a s

(3–199 W)

a lg

(200 m

W)

a

Wa l

w W a lwWg (l t 35% e

$23,000 y l)

$5,052 $5,074 $5,067

m W lwWg (35% m e

$23,000 y l)

$4,998 $4,859 $4,907

unn

h a l s u W $5,726 $5,196* $5,263*

d n hv a u W $4,948 $4,926* $4,936*

yn W

l t 35% W a ag 26 yg $5,043 $5,080* $5,067

35% m W a ag 26 yg $5,092 $4,724* $4,827

od W

l t 35% W a ag 50 o $4,825* $4,969* $4,918*

35% m W a ag 50 o $5,466* $5,200* $5,291*

ndn Aannt

i $4,972 $5,286* $5,060

s $5,428 $5,001* $5,041

* e c c w z cg (p<.05).


s o u r c e :



1


28


exhiBit 1 .6

avg a P Cv W w Cvg, b Ccc, 2010

a s

(3–199 W)

a lg

(200 m

W)

a

Wa l


$23,000 y l)

$13,358 $14,021 $13,795

m W lwWg (35% m e

$23,000 y l)

$12,411 $14,174 $13,567

unn

h a l s u W $14,858* $14,249 $14,327*

d n hv a u W $13,010* $13,857 $13,472*

yn W

l t 35% W a ag 26 yg $13,241 $14,113* $13,811

35% m W a ag 26 yg $13,406 $13,195* $13,252

od W

l t 35% W a ag 50 o $12,908* $13,791* $13,489*

35% m W a ag 50 o $13,888* $14,490* $14,286*

ndn Aannt

i $13,203 $14,678* $13,626

s $13,493 $13,903* $13,865

* e c c w z cg (p<.05).


s o u r c e :




29


e x h i B i t 1 . 7

d b a P sg Cvg rv avg a

sg P, 2010

Family Coverage

Single Coverage 20% 16% 21% 16% 10% 17%

19% 18% 14% 18% 12% 20%

$5,049

$13,770

LESS THAN 80% OF AVERAGE

80% TO LESS THAN 90% OF AVERAGE

90% TO LESS THAN AVERAGE

AVERAGE TO 110% OF AVERAGE

GREATER THAN 110% OF AVERAGE TO 120% OF AVERAGE

GREATER THAN OR EQUAL TO 120% OF AVERAGE

>=$6,058<$4,039

>=$16,524<$11,016


s o u r c e :

e x h i B i t 1 . 8

d b P sg Cvg rv avg a sg

P, 2010

sg Cvg Cvg

P rg, rv

avg P

P rg,

d a

Pc Cv

W rg

P rg,

d a

Pc Cv

W rg

l 80% l t $4,039 20% l t $11,016 19%

80% l t 90% $4,039 <$4,544 16% $11,016 <$12,393 18%

90% l t avg $4,544 <$5,049 21% $12,393 <$13,770 14%

avg l t 110% $5,049 <$5,554 16% $13,770 <$15,147 18%

110% l t 120% $5,554 <$6,058 10% $15,147 <$16,524 12%

120% m $6,058 m 17% $16,524 m 20%

n: t vg p $5,049 g cvg $13,770 cvg. t p b

v vg g p. p, $4,039 80% vg g p, $4,544

90% vg g p, $5,554 110% vg g p, $6,058 120%

vg g p. t b p v vg b

cvg.


s o u r c e :



1


30


e x h i B i t 1 . 9

d b a P Cv W w sg Cvg, 2010

e x h i B i t 1 . 1 0

d b a P Cv W w Cvg, 2010

0%

10%

20%

30%

40%

50%

Average: $5,049

<1%0%

3%

16%

34%

28%

11%

4% 4%

LESS THAN

$1,000

$1,000

$1,999

$2,000

$2,999

$3,000

$3,999

$4,000

$4,999

$5,000

$5,999

$6,000

$6,999

$7,000

$7,999

$8,000

OR MORE

Percentage of Covered Workers:

Average: $13,770

LESS THAN

$6,000

$6,000

$7,999

$8,000

$9,999

$10,000

$11,999

$12,000

$13,999

$14,000

$15,999

$16,000

$17,999

$18,000

$19,999

$20,000

OR MORE

Percentage of Covered Workers:

0%

10%

20%

30%

40%

50%

1%3%

10%

18%

23% 22%

13%

7%

4%


s o u r c e :


s o u r c e :




31


$0 $2,000 $4,000 $6,000 $8,000 $10,000 $12,000 $14,000 $16,000

SINGLE COVERAGE

FAMILY COVERAGE

1999

2000

2001

2002

2003

2004

2005

2006

2007

2008

2009

2010

$2,196

$5,791

$2,471*

$6,438*

$2,689*

$7,061*

$3,083*

$8,003*

$3,383*

$9,068*

$3,695*

$9,950*

$4,024*

$10,880*

$4,242*

$11,480*

$4,479*

$12,106*

$4,704*

$12,680*

$4,824

$13,375*

$5,049*

$13,770*

e x h i B i t 1 . 1 1

avg a P sg Cvg, 1999–2010

* e c pv w (p<.05).

k/hret sv epsp h B, 1999–2010.

s o u r c e :



1


32


$0

$2,000

$4,000

$6,000

$8,000

$10,000

$12,000

$14,000

$16,000

ALL LARGE FIRMS

200 OR MORE WORKERS

ALL SMALL FIRMS

3199 WORKERS

1999 2000 2001 2002 2003 2004 2005 2006 2007 2009 20102008

$13,250

$5,845

$5,683

$6,521*

$6,395*

$7,113*

$6,959*

$8,109*

$7,781*

$9,127*

$8,946*

$10,046*

$9,737*

$11,025*

$10,587*

$11,575*

$11,306*

$12,233*

$12,973*

$11,835$12,091

$14,038

$12,696

$13,704*

e x h i B i t 1 . 1 3

avg a P Cv W w Cvg, b sz, 1 999–2010

* e c pv w (p<.05).


s o u r c e :

e x h i B i t 1 . 1 2

avg a P Cv W w Cvg, b sz, 1 999–2010

* e c bw a s a lg w (p<.05).


s o u r c e :

a s (3–199 W) a lg (200 m W)

1999 $5,683 $5,845

2000 $6,521 $6,395

2001 $6,959 $7,113

2002* $7,781 $8,109

2003 $8,946 $9,127

2004 $9,737 $10,046

2005* $10,587 $11,025

2006 $11,306 $11,575

2007 $11,835 $12,233

2008* $12,091 $12,973

2009* $12,696 $13,704

2010* $13,250 $14,038




33


e x h i B i t 1 . 1 4

ag W lg (200 m W) , avg h ic P

Cvg, b g ag, 1999– 2010

* e c pv w (p<.05).

n: s i P, c sc 10. d

cg v q, g w w cv p 2006.

t, cv p g c b 2006.


s o u r c e :

g ag i s

1999 $5,769 $5,896

2000 $6,315* $6,430*

2001 $7,169* $7,086*

2002 $7,950* $8,192*

2003 $9,070* $9,149*

2004 $10,217* $9,984*

2005 $10,870* $11,077*

2006 $11,222 $11,673*

2007 $11,968* $12,315*

2008 $13,029* $12,956*

2009 $13,870* $13,655*

2010 $14,678* $13,903





69%

$1

3,

77

0

$ 5

,

0 4

9

2010


2 0 1 0 a n n u a l s u r V e y

sect ion

HB

O R

22

HB

O R



2


36


h e a lt h B e n e f i t S o f f e r r at e S

nearly all large firms (200 or more workers) offer healTh benefiTs ; small firms (3–199 workers) are

significanTly less likely To do so.

The percenTage of firms offering healTh benefiTs in 2010 increased significanTly from 2009. The reason

for Th e increase is unclear, bu T iT is primarily driven by a 13 percenTage poinT jump in The percenTage of

firms wiTh 3 To 9 employees offering coverage, from 46% in 2009 To 59% in 2010. we have seen some

flucTuaTion in This caTegory in The pasT bu T never of This magniTude. The offer raTe reflecTs informaTion

abouT firms ThaT ar e sTill in business in 2010 an d does no T accounT fo r firms ThaT have gone ou T of

business du e To The economic recession. a possible explanaTion for Th e increase in The offer raTe is ThaT

non -offering firms were more likely To fail during The pasT year, an d The aTTriTion of non -offering firms

led To a higher offer raTe among surviving firms. for more discussion of Th e offer raTe, see The survey

design an d meThods secTion. because mosT workers are employed by large firms, The change in offering

among The smallesT firms di d noT have a dramaTic effecT on Th e percenTage of workers in firms offering

healTh benefiTs (93 percenT in 2010 vs . 91 percenT in 2009).

I 2010, x- c

b, wc c d

60% d 2009 (Exb 2.1).

N- c g (200

wk) b 2010,

c d 2009 (Exb 2.2).

I c, 68% (3–199 wk)

b 2010, c

gc c 59% d 2009.

Bw 1999 d 2010, g

(200 wk) dd bw

98%. Ag (3–199 wk),

d g 68% 2000,

2001 d 2010, w 59% 2005, 2007

d 2009. T d

b cg cg

(3–9 wk) g b.

O c d . T k

c. F- c w 3

9 wk cg, cd 76%

w 10 24 wk, 92% w

25 49 wk (Exb 2.3), d 95%

w 50 .

F w w w-wg wk (

35% wk $23,000 )

gc k

c w w-wg

wk (35% wk $23,000

). S- c

w w w-wg wk b, cd w 48% w

w-wg wk (Exb 2.4).

F wk

c k w

wk b

. N- c w

wk b,

cd 67% d

(Exb 2.4).

T g wkc gc c

bb g b

w. F w 35% wk g26 g k

b w 35%

wk g 26 g (31% d 73%,

c) (Exb 2.4).




37


Ag g b, w

b - d wk.

I 2010, 25% b

- wk (Exb 2.5).

F w 200 wk k

b -

w 3 199 wk (42% . 24%).

A cg (2%) g

b wk (Exb

2.6), d g d b .

F w 200 wk k

b wk

w 3 199 wk (7% . 1%).

D e N T A l A N D v i s i o N b e N e i T s

F- c g b

cb d c b

d

cg g cd. T

c d 44% d 2008,

wc w kd b d b

(Exb 2.8). Lg (200 wk)

k (3–199 wk)

cb d b,

87% 45% (Exb 2.7).

Eg c cb

b

cg g

cd, 17% d 2008, wc

w kd b b

(Exb 2.8). Lg (200 wk)

c k (3–199 wk)

cb c b,

55% 17% (Exb 2.7).

i r m s N o T o e r i N g h e A l T h b e N e i T s

T k d

b d c d

c c , w

d g d c cc

dw, d b

g. Bc c cg

g (200 wk) g

b, w

w 3 199 wk, 32% wc d

b.

D wg c c gw

c , c c

cd b g

b.1

Ag (3–199 wk) g

b, 54% c g c “

” dg . O c

q cd b

g cg cd:

(12%) d cd

w (6%) (Exb 2.9).

M -g d

b , d

cg c.

w- c -g

(3–199 wk) d b

, w 30% d

cg (Exb 2.10). F-

c d g

w d dg d

cc dw.

1 t q g g p g b p q.

n o T e :



2


38


e x h i B i t 2 . 1

Pcg o g h B , 1999–2010

* e c pv w (p<.05).

n: a sv dg m c, p b b p b

cp v w j q b w b.


s o u r c e :

* e c pv w (p<.05).


cp v w j q b w b.


s o u r c e :

1999 2000 2001 2002 2003 2004 2005 2006 2010200920082007

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

66%69% 68%

66% 66%63%

60% 61%63%

69%*

60%60%

e x h i B i t 2 . 2

Pcg o g h B , b sz, 1999–2 010

irm size 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010

3–9 W 56% 57% 58% 58% 55% 52% 47% 48% 45% 49% 46% 59%*

10–24 W 74 80 77 70* 76 74 72 73 76 78 72 76

25–49 W 86 91 90 86 84 87 87 87 83 90* 87 92

50–199 W 97 97 96 95 95 92 93 92 94 94 95 95

A sa (3–199 W) 65% 68% 68% 66% 65% 63% 59% 60% 59% 62% 59% 68%*

A la (200 m W) 99% 99% 99% 98% 98% 99% 98% 98% 99% 99% 98% 99%

All irms 66% 69% 68% 66% 66% 63% 60% 61% 60% 63% 60% 69%*




39


exhiBit 2 .3

Pcg o g h B , b sz, rg, i , 2010

Pcg og

h B

irm size

3–9 W 59%*

10–24 W 76*

25–49 W 92*

50–199 W 95*

200–999 W 98*

1,000–4,999 W 99*

5,000 m W 99*

A sa (3–199 W) 68%*

A la (200 m W) 99%*

regioN

n 78%*

mw 63

s 67

W 70

iNDusTry

agc/mg/Cc 67%

mcg 78

tp/Cc/u 85

W 79

r 57

c 71

svc 72s/lc Gv 72

h C 57*

All irms 69%

* e c c z, g, cg (p<.05).


cp v w j q b w b.


s o u r c e :



2


40


e x h i B i t 2 . 4

Pcg o g h B , b Cc c , 20 10

* e c c w cg (p<.05).


s o u r c e :

FIRM DOES NOT HAVE ANY UNION WORKERS

FIRM HAS AT LEAST SOME UNION WORKERS

FEW WORKERS ARE LOWERWAGE

LESS THAN 35% EARN $23,000 A YEAR OR LESS

MANY WORKERS ARE LOWERWAGE 35% OR

MORE EARN $23,000 A YEAR OR LESS

FEW WORKERS ARE PARTTIME

LESS THAN 35% WORK PARTTIME

MANY WORKERS ARE PARTTIME

35% OR MORE WORK PARTTIME

WAGE LEVEL*

PARTTIME WORKERS

UNIONS*

35% OR MORE WORKERS

ARE AGE 26 OR YOUNGER

LESS THAN 35% OF WORKERS


YOUNGER WORKERS*

35% OR MORE WORKERS

ARE AGE 50 OR OLDER


ARE AGE 50 OR OLDER

OLDER WORKERS

0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100%

67%

73%

31%

66%

72%

94%

60%

71%

48%

74%




41


* e c pv w (p<.05).


s o u r c e :

* e c pv w (p<.05).


s o u r c e :

e x h i B i t 2 . 5

ag og h B , Pcg t o h B Pt W,

b sz, 1999–2010

e x h i B i t 2 . 6

ag o g h B , Pcg t o h B tp

W , b sz, 1999–2010

irm size 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010

3–24 W 19% 21% 17% 21% 24% 20% 27% 30% 23% 22% 31% 24%

25–199 W 26 25 31 29 29 29 29 28 26 30 27 28

200–999 W 36 33 42 43 38 41 33 40 37 40 44 35*

1,000–4,999 W 53 48 55 60 57 50 46 55 54 53 55 55

5,000 m W 61 52 60 58 57 59 61 63 63 67 60 61

All irms 21% 23% 21% 24% 26% 23% 28% 31% 24% 25% 31% 25%

irm size 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010

3–24 W 5% 2% 4% 3% 1% 4% 2% 3% 2% 3% 4% 1%

25–199 W 3 7 3 4 3 3 5 4 4 3 3 4200–999 W 3 8 6 5 9 8 5 5 7 4 4 6

1,000–4,999 W 6 8 9 8 7 6 5 9 9 7 7 8

5,000 m W 8 9 7 7 10 7 9 11 6* 8 9 8

All irms 4% 4% 4% 3% 2% 4% 3% 3% 2% 3% 3% 2%



2


42


e x h i B i t 2 . 7

ag o g h B , Pcg t o Cb sp B

P Pvg d V B , b sz r g, 2010

* e c c z g cg (p<.05).

n: t v b cb v c pg p

v cvg p g c.


s o u r c e :

sp d B sp V B

irm size

200–999 W 87%* 51%*

1,000–4,999 W 88* 64*

5,000 m W 90* 68*

A sa (3–199 W) 45%* 17%*

A la (200 m W) 87%* 55%*

regioN

n 49% 13%

mw 41 11*

s 56 19

W 36 27

All irms 47% 18%




43


e x h i B i t 2 . 8

ag o g h B , Pcg t o Cb sp B

P Pvg d V B , b sz, 2000–2010

* e c pv w (p<.05).

n: d v b w cc 2000 2003. t v b

cb v c pg p v cvg p g c.


s o u r c e :

2000 2003 2006 2008 2010

Dnta bnt

a s (3–199 w) 30% 37% 49%* 43% 45%

a lg (200 m W) 62 79* 80 82 87*

A 31% 39% 50%* 44% 47%

vn bnt

a s (3–199 w) — — 20% 15% 17%

a lg (200 m W) — — 44 49 55*

A — — 21% 17% 18%

e x h i B i t 2 . 9

ag s (3–199 W) n o g h B , r n o g, 2010

m ip r

C c g 54%

t 12

ep g cv p 6

ep v g 5

n /ep ' w 4

o 8

d’ w 11

n: t q g g p g b p q.


s o u r c e :



2


44


exhiBit 2 .1 0

ag s (3–199 W) n o g h B , Pcg t rp

wg acv rgg h B , b sz, 2010

OFFERED HEALTH INSURANCE

WITHIN THE PAST FIVE YEARS

SHOPPED FOR HEALTH INSURANCE

WITHIN THE PAST YEAR

STOPPED OFFERING HEALTH INSURANCE

DUE TO ECONOMIC DOWNTURN‡

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

27%30%

47%

‡ ag w p g c w p v .


s o u r c e :



69%

$1

3,

77

0

$ 5

,

0 4

9

2010


2 0 1 0 a n n u a l s u r V e y

sect ion

E

Cg,

Egb, d

Pc

3




h

3

46


e M p lo y e e C o v e r a g e , e l i g i B i l i t y, a n D p a r t i C i p a t i o n

employers ar e Th e principal source of healTh insurance in Th e uniTed sTaTes, providing healTh benefiTs

fo r abouT 15 7 million nonelderly people in america .1 mos T workers are offered healTh coverage aT

work , and The vasT majoriTy of workers wh o are offered coverage Take iT . workers may no T be covered

by Their own employer for several reasons: Their employer may noT offer coverage , They may be ineligible

for benefiTs offered by Their firm, They may choose To elecT coverage Through Their spouse’s employer, or

They may refuse an offer of coverage from Their firm.

Ag g b, 63% c

wk cd b b g

w (Exb 3.2). T cg

dcd 59% w cdg wk,gd w g

b (Exb 3.1). T cg

d b .

N gb b

d b , d gb

w d cg k

cg. T wk cd

dc b cg wk w

gb ’ c d

cg w c “k ” (.., c

c ) b.

S- c wk g b gb cg

d b 2010,

(Exb 3.2).

Egb cdb b wg .

E w w

w-wg wk ( 35% wk

$23,000 ) k

b gb b

w g w-

wg wk (w 35% wk

$23,000 ) (81% . 68%)

(Exb 3.3).

E w d cg g

g c k cg. Eg

c gb wk k cg w

d , 81% d (Exb 3.2).2

T kd wk ccg ’

cg b wg . Egb

w w

w-wg wk k k

cg (82%) gb

w g w-wg wk

(35% wk $23,000

) (69%) (Exb 3.4).

T cg b c

ccc.

T gc cg

b d g wk g

b. F x, -g

c wk cd b

b d b , cd

80% wk d c g,

76% wk cg d,

d 74% wk /

cc/ d cg

(Exb 3.2).

1 k , k C mc u, t u: a P, ocb 2009.

2 i 2009, k/hret bg wgg pcg w p cvg b b w

gb cvg. t c p v b p. s sv dg m

sc .

n o T e :




47


Ag wk g b,

w w -wk ( 35% wk -)

c k b cd b

w wk w g

cg - wk (70% . 38%)

(Exb 3.5).

Ag wk g b,

w w w-wg wk

( 35% wk $23,000

) k b cd b

w wk w

w-wg wk (35% wk

$23,000 ) (66% . 47%)(Exb 3.5).

Ag wk g b,

w w g wk (

35% wk g 26 g)

k b cd b w

wk w g wk

(35% wk g 26 g)

(66% . 44%) (Exb 3.5).

S- c cd wk c

wg d b cg b. Cd

wk N k (64%)

wk g c wg d.

Cd wk (90%), c (86%),

d gc/g/cc (85%)

k wk d

c wg d (Exb 3.7).

T g wg d g cd

wk w c wg d 2.2 (Exb 3.7). T- c cd

wk c wg d 3

(Exb 3.8).

T db cd wk cg

g cg, g cg,

cg 47%, 19%, d 34% c

2010 (Exb 3.9). Wk (3–199

wk) gc k

g cg d k

cg wk g (200

wk), 55% 42% g

cg d 30% 36% cg(Exb 3.10).

T kd b g wc

dd d dd w -

d g gb cg

w g .

F-w c g wc

dd g gb dd

cg 18 19 d, d 19%

g 20 21 g (Exb 3.11).

F dd w - d,

g g g. Sx-x c g wc - d

g gb dd cg 24

d (Exb 3.12).3

3 avg b c 1% w g wc p g gb

cvg p w g , 2% v p .

n o T e :




48


h

3

* t c c pv w (p<.05).


s o u r c e :

e x h i B i t 3 . 1

Pcg a W Cv b t ep ’ h B , B o g

n o g h B , b sz, 1999–2010*

irm size 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010

3–24 W 50% 50% 49% 45% 44% 43% 41% 45% 42% 43% 39% 44%

25–49 W 56 63 62 57 59 56 55 55 51 57 54 59

50–199 W 61 62 67 64 61 56 59 62 59 60 59 60

200–999 W 69 69 71 69 68 69 65 66 65 67 63 61

1,000–4,999 W 68 68 69 70 69 68 69 68 69 69 67 66

5,000 m W 64 66 69 68 68 67 66 60 63 64 65 63

A sa (3–199 W) 55% 57% 58% 54% 53% 50% 50% 53% 50% 52 % 4 9% 5 2%

A la (200 m W) 66% 67% 69% 69% 68% 68% 66% 63% 65% 66% 65% 63%

All irms 62% 63% 65% 63% 62% 61% 60% 59% 59% 60% 59% 59%




49


e x h i B i t 3 . 2

e gb , tup r, Cvg o g h B , b sz, rg,

i , 2010

* e gb, p , cvg c c z,g, cg (p<.05).

n: i 2009, k/hret bg wgg pcg w p cvg b b

w gb cvg. s sv dg m sc .


s o u r c e :

Pcg

W egb h B

o b t

ep

Pcg

egb WW Pcp

t ep’

P (tup r)

Pcg

W Cvb t ep’

h B

irm size

3–24 W 83% 76%* 63%

25–49 W 84* 77 64

50–199 W 80 79 63

200–999 W 76 81 62

1,000–4,999 W 80 83* 66

5,000 m W 76 82 63

A sa (3–199 W) 82%* 77%* 63%

A la (200 m W) 77%* 82%* 63%

regioN

n 78% 83%* 64%

mw 78 80 62

s 80 79 63

W 79 81 64

iNDusTry

agc/mg/Cc 83% 77% 65%

mcg 92* 83 76*

tp/Cc/u 87* 85* 74*

W 78 83 66

r 63* 75 48*

c 90* 82 74*

svc 74* 77 57*

s/lc Gv 86* 93* 80*

h C 77 79 61

All irms 79% 80% 63%




50


h

3

e x h i B i t 3 . 3

ag W o g h B , Pcg W e gb h

B o b t , b Cc c , 2010

* e c c w cg (p<.05).


s o u r c e :

0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100%











WAGE LEVEL*

PARTTIME WORKERS*

UNIONS

35% OR MORE WORKERS




YOUNGER WORKERS*

35% OR MORE WORKERS

ARE AGE 50 OR OLDER


ARE AGE 50 OR OLDER

OLDER WORKERS

78%

81%

60%

78%

80%

80%

53%

85%

68%

81%




51


e x h i B i t 3 . 4

ag W o g h B , Pcg e gb W W t up

h B o b t , b Cc c , 2010

* e c c w cg (p<.05).

n: i 2009, k/hret bg wgg pcg w p cvg b b

w gb cvg. s sv dg m sc .


s o u r c e :

0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100%











WAGE LEVEL*

PARTTIME WORKERS

UNIONS*

35% OR MORE WORKERS




YOUNGER WORKERS*

35% OR MORE WORKERS

ARE AGE 50 OR OLDER


ARE AGE 50 OR OLDER

OLDER WORKERS

78%

81%

73%

79%

82%

85%

70%

82%

69%

82%




52


h

3

e x h i B i t 3 . 5

ag W o g h B , Pcg W Cv b h

B o b t , b Cc c , 2010

* e c c w cg (p<.05).


s o u r c e :

0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100%











WAGE LEVEL*

PARTTIME WORKERS*

UNIONS*

35% OR MORE WORKERS




YOUNGER WORKERS*

35% OR MORE WORKERS

ARE AGE 50 OR OLDER


ARE AGE 50 OR OLDER

OLDER WORKERS

61%

66%

44%

62%

65%

68%

38%

70%

47%

66%




53


* e c pv w (p<.05).

n: i 2009, k/hret bg wgg pcg w p cvg b b w gb

cvg. t c p v b p. s sv dg m sc .


s o u r c e :

e x h i B i t 3 . 6

e gb , tup r , Cvg W o g h B , b sz,

1999–2010

1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010

pcnta ea s (3–199 W) 81% 82% 85% 82%* 84% 80% 81% 83% 80% 81% 81% 82%

a lg (200 m W) 78 80 82 80 80 81 79 76 78 79 79 77

All irms 79% 81% 83% 81%* 81% 80% 80% 78% 79% 80% 79% 79%

pcnta e tat Ta u

a s (3–199 W) 83% 83% 83% 82% 81% 80% 81% 81% 80% 80% 79% 77%

a lg (200 m W) 86 84 85 86 85 84 85 84 84 84 82 82

All irms 85% 84% 84% 85% 84% 83% 83% 83% 82% 82% 81% 80%

pcnta Cd

a s (3–199 W) 67% 68% 71% 67% 68% 64% 65% 67% 64% 65% 64% 63%

a lg (200 m W) 66 67 69 69 68 68 67 63 65 66 65 63

All irms 66% 68% 70% 68% 68% 67% 66% 65% 65% 65% 65% 63%




54


h

3

e x h i B i t 3 . 7

Pcg Cv W w Wg P Cvg avg Wg

P m, b sz, rg, i , 2010

* e c c z, g, cg (p<.05).


s o u r c e :

Pcg Cv W

w Wg P

ag Cv W

w Wg P, avgWg P (m)

irm size

a s (3–199 W) 76% 2.5*

a lg (200 m W) 73 2.0*

regioN

n 64%* 2.1

mw 74 2.0*

s 78 2.3

W 77 2.4

iNDusTry

agc/mg/Cc 85%* 2.8*mcg 71 2.3

tp/Cc/u 64 2.2

W 77 2.2

r 90* 2.8*

c 73 1.9

svc 67* 2.2

s/lc Gv 70 1.7*

h C 86* 1.9*

All irms 74% 2.2



Employer Health Benefts 2010 Annual Survey

55

T h e K a i s e r F a m i ly F o u n d a T i o n - a n d - h e a l T h r e s e a r c h & e d u c a T i o n a l T r u s T

NO WAITING

PERIOD

1 MONTH

ALL LARGE FIRMS

200 OR MORE

WORKERS*

ALL SMALL FIRMS

3−199 WORKERS*

ALL FIRMS

0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100%

8%

7%

7%

26% 8% 34%

34% 13% 18%

31% 11% 24%

24%

27%

26%

2 MONTHS

3 MONTHS

4 OR MORE MONTHS

e x h i b i T 3 . 8

dt t cv Wk wt t F wg Wtg P cvg, 2010

* dtt ttt t tw a lg F a s F (p<.05).

K/hreT sv epsp ht bft, 2010.

s o u r c e :

e x h i b i T 3 . 9

dt t cv Wk etg sg cvg, sg P o cvg, F

cvg, 2001–2010*

0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100%

2005

2008

2010

2006

2003

2001

SINGLE COVERAGE

SINGLE PLUS ONE COVERAGE

FAMILY COVERAGE

16%45%

45% 14%

45% 17%

39%

41%

38%

44% 18% 38%

46% 19% 36%

47% 19% 34%

* Tt ttt tt pv w (p<.05).

nt: sg P o vg t p p p p p .

K/hreT sv epsp ht bft, 2001–2010.

s o u r c e :




56


h

3

e x h i b i T 3 . 1 0

dt t cv Wk etg sg cvg, sg P o cvg, F

cvg, F sz, 2001–2010*

* Tt ttt wt z tg tt pv

w (p<.05).

nt: sg P o vg t p p p p p .


s o u r c e :

0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100%

ALL SMALL FIRMS

3199 WORKERS

ALL LARGE FIRMS200 OR MORE WORKERS

SINGLE COVERAGE

SINGLE PLUS ONE COVERAGE

FAMILY COVERAGE

2005

2008

2010

2006

2003

2001

18%41%

41% 16%

40% 19%

41%

43%

41%

40% 20% 40%

42% 21% 38%

42% 21% 36%

2005

2008

2010

2006

2003

2001

13%54%

51% 10%

54% 13%

33%

39%

32%

51% 15% 34%

53% 14% 32%

55% 15% 30%




57


18 OR 19 YEARS OLD

20 OR 21 YEARS OLD

22 OR 23 YEARS OLD

24 OR 25 YEARS OLD

26 YEARS OLD OR MORE

ALL LARGE FIRMS

200 OR MORE

WORKERS*

ALL SMALL FIRMS3−199 WORKERS*

ALL FIRMS

0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100%

12%

9%

12%

20% 4% 12%

5% 5% 14%

19% 4% 12%

52%

67%

52%

18 OR 19 YEARS OLD

20 OR 21 YEARS OLD

22 OR 23 YEARS OLD

24 OR 25 YEARS OLD

26 YEARS OLD OR MORE

ALL LARGE FIRMS

200 OR MORE

WORKERS

ALL SMALL FIRMS

3−199 WORKERS

ALL FIRMS

0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100%

21%

19%

21%

22%6% 44%

21% 57%

<1%

22% 45%

6%

3%

6% 6%

e x h i b i T 3 . 1 1

dt t F wt t F wg ag lt dpt cvg t P wt t

lgt e t, 2010

e x h i b i T 3 . 1 2

dt t F wt t F wg ag lt dpt cvg F T

stt t P wt t lgt e t, 2010*

* dtt ttt t tw a lg F a s F (p<.05).

nt: dtt t f (1%) wt t t g t w pt g

g vg t p wt t gt t.


s o u r c e :

* Tt ttt tw tt a lg F a s F (p<.05).

nt: dtt t f (2%) wt t t g t w pt w

t tt g g vg t p wt t gt t.


s o u r c e :





69%

$1

3,

77

0

$ 5

,

0 4

9

2010


2 0 1 0 a n n u a l s u r V e y

sect ion

P

Od

4




f

4

60


t y p e S o f p l a n S o f f e r e D

mosT firms ThaT offer healTh benefiTs offer only one Type of healTh plan (84%) (see Tex T box). larger

firms are more likely To offer more Than on e Type of healTh plan. employers ar e mosT likely To offer

Their workers a ppo, hmo, or pos plan and are leasT likely To offer a convenTional plan.

Eg- c g b

. Lg (200

wk) k

(3–199 wk):

44% . 15% (Exb 4.1).

J (52%) cd wk

d

. Sx- c cd wk g d b

, cd 24%

(Exb 4.2).

Ab (79%) cd wk

g b wk

PPO; 42% wk

HMO; 32% wk

HDHP/SO; 14% wk

POS ; d 6% wk

c (Exb 4.4).1

T k w c g

. Hw, w d kw c

d cd wk

. F x, wk g b d

c, w wk

c d d .

1 t w c p p v cv w p p.

n o T e :




61


e x h i B i t 4 . 1

ag o g h B , Pcg t o o, tw, t m

P tp, b sz, 2010 ‡

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

200999

WORKERS*

ALL SMALL FIRMS

3199 WORKERS*

1,0004,999

WORKERS*

5,000 OR MORE

WORKERS*

ALL LARGE FIRMS

200 OR MORE WORKERS*

ALL FIRMS

THREE OR MORE PLAN TYPES

TWO PLAN TYPES

ONE PLAN TYPE

2%

7%

14%

31%

11%

2%

13%

31%

41%

39%

34%

14%

85%

63%

45%

29%

56%

84%

* db c b c z

cg (p<.05).

‡ ag c p p, v w

g wg p: cv, hmo, PPo, Pos, hdhP/so.

n: t v w p c gv p . hwv, w

w c p p cv w . p, w

g b p p c, w c

p p.


s o u r c e :




62


f

4

e x h i B i t 4 . 2

ag o g h B , Pcg Cv W o g o, tw,

t m P tp, b sz, 2010 ‡

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

200999

WORKERS*

ALL SMALL FIRMS

3199 WORKERS*

1,0004,999

WORKERS

5,000 OR MORE

WORKERS*

ALL LARGE FIRMS

200 OR MORE WORKERS*

ALL FIRMS

THREE OR MORE PLAN TYPES

TWO PLAN TYPES

ONE PLAN TYPE

3%

7%

16%

34%

25%

17%

21%

35%

42%

45%

42%

35%

76%

58%

43%

20%

33%

48%

* db c b c z

cg (p<.05).

‡ ag c p p, v w

g wg p: cv, hmo, PPo, Pos, hdhP/so.

n: t v w p c gv p . hwv, w

w c p p cv w . p, w

g b p p c, w c

p p.


s o u r c e :




63


e x h i B i t 4 . 3

ag o g h B , Pcg t o wg P tp, b

sz, 2010

e x h i B i t 4 . 4

ag o g h B , Pcg Cv W t o

wg P tp, b sz, 2010

* e c w p p c z cg (p<.05).

n: t v w p c gv p . hwv, w w c p p

cv w . p, w g b p p c, w w

c p p.


s o u r c e :

* e c w p p c z cg (p<.05).

n: t v w p c gv p . hwv, w w c p p

cv w . p, w g b p p c, w w

c p p.


s o u r c e :

Cv hmo PPo Pos hdhP/so

irm sizes

200–999 W 3% 27% 80%* 13%* 21%

1,000–4,999 W 5* 39* 89* 8* 30*

5,000 m W 7* 55* 93* 11* 41*

A sa (3–199 W) 2% 24% 51%* 25%* 15%*

A la (200 m W) 3% 32% 83%* 12%* 25%*

All irms 2% 24% 53% 25% 15%


irm sizes

200–999 W 2% 31%* 84% 10%* 23%*

1,000–4,999 W 4 40 90* 7* 33

5,000 m W 11* 64* 88* 14 45*

A sa (3–199 W) 2%* 23%* 62%* 20%* 22%*

A la (200 m W) 8%* 52%* 88%* 12%* 38%*

All irms 6% 42% 79% 14% 32%





69%

$1

3,

77

0

$ 5

,

0 4

9

2010


2 0 1 0 a n n u a l s u r V e y

sect ion

MkS

H P

5




f

5

66


M a r k e t S h a r e S o f h e a lt h p l a n S

enrollmenT remains highesT in ppos, wiTh more Than half of covered workers, followed by hmos, pos

plans, hdhp/sos, an d convenTional plans.

F-g c cd wk d

PPO, wd b HMO (19%), HDHP/SO

(13%), POS (8%), d c

(1%) (Exb 5.1).

E HDHP/SO 13% cd

wk 2010, 8% 2009 (Exb 5.1).

P b z. Wk

g (200 wk) k

wk (3–199 wk)

PPO (63% . 51%). Wk

k wk g

POS (15% . 5%) (Exb 5.2).

P d c g.

HMO gc g

W (33%) d N (26%) d

gc w S (12%) d

Mdw (11%) (Exb 5.2).

Wk S (67%) k

b d PPO wk

g; wk W (47%) k

b d PPO (Exb 5.2).

E HDHP/SO g g

wk Mdw (20%)

g (Exb 5.2).




67


e x h i B i t 5 . 1

d b h P e Cv W , b P tp, 1988–2010

CONVENTIONAL

HMO

PPO

POS

HDHP/SO

0% 20% 40% 60% 80% 100%

1988

1993

1996

1999

2000*

2001*

2002*

2003

2004

2005*

2006

2007

2009

2008*

31%

73%

46%

27%

10%

8%

7%

4%

5% 24%

5% 25%

3% 21%

3% 20%

3% 21%

2% 20%

1% 20%

2010* 1% 19% 8%

27%

24%

29%

28%

21%

16%

28% 14%

54% 17%

55% 15%

61% 15%

60% 13% 4%

57% 13% 5%

58% 12% 8%

60% 10% 8%

58% 13%

52% 18%

46% 23%

42% 21%

39% 24%

26% 7%

11%

* db c pv w (p<.05). n c w

cc p 1999. n c cc bw 2005 2006

hdhP/so w p p 2006.

n: i w b Pos p 1988. a p cg p p

2005 bb cpg c C B

b c gv w vg w wg. s

sv dg m sc 2005 k/hret sv epsp h

B .

k/hret sv epsp h B, 1999–2010; kPmG sv ep

sp h B, 1993, 1996; t h ic ac ac (hiaa), 1988.

s o u r c e :




68


f

5

e x h i B i t 5 . 2

db h P e Cv W, b sz, rg, i , 2010

* e c w p p c z, g,

cg (p<.05).


s o u r c e :


irm size

3–24 W 1% 20% 47%* 16%* 16%

25–49 W 1 12* 54 13 19

50–199 W 1 18 52 14* 15

200–999 W 1 20 63 6 10

1,000–4,999 W 1 18 67* 3* 10

5,000 m W 1 21 61 4* 13

A sa (3–199 W) 1% 18% 51%* 15%* 16%

A la (200 m W) 1% 21% 63%* 5%* 12%

regioN

n 1% 26%* 53% 8% 13%

mw 1 11* 62 6 20*

s 1 12* 67* 10 10

W 1 33* 47* 7 12

iNDusTry

agc/mg/Cc 1% 14% 57% 9% 18%

mcg <1* 14* 68* 5 12

tp/Cc/

u

1 21 65 5 8

W <1* 11* 61 7 21

r 2 13 63 11 10

c 1 28 52 3* 16

svc 1 21 56 8 14

s/lc Gv 1 17 57 17 8

h C 2 27 50* 9 13

All irms 1% 19% 58% 8% 13%



69%

$1

3,

77

0

$ 5

,

0 4

9

2010


2 0 1 0 a n n u a l s u r V e y

sect ion

Wk d

E

Cb

P

6



6


70


W o r k e r a n D e M p lo y e r C o n t r i B u t i o n S f o r p r e M i u M S

premium conTribuTions by covered workers averaged 19% for single coverage and 30% for family coverage,

a significanT increase from The percenTages reporTed in 2009 for boTh single and family coverage .1 The

average monThly worker conTribuTions are $75 for single coverage and $333 for family coverage.

I 2010, cd wk g cb

19% g cg,

gc c 17% 2009, d 30%

cg, 27%

2009 (Exb 6.1). T c

gc c c K/HRE bg

1999.

T g wk cb cd

b g d cg 2010.

O g, wk w g cg

cb $75 d wk w

cg cb $333

wd c ;

g $65 d $293

d 2009 (Exb 6.2).

Wk d HDHP/SO cb

w g

wk cb g cg ($632

cd $899), w wk HMO w g cg cb g

($1,028). Wk d

POS cb g

($5,195) g wk

cb cg ($3,997)

(Exb 6.5).

Wk (3–199 wk) cb

$865 g cg,

wc $917 cbd b wk

g (200 wk) (Exb 6.8).

I c, wk w

cg cb gc wk w cg g ,

($4,665 . $3,652) (Exb 6.8).

F 2009 2010, g wk

cb cd gc cd

wk (3–199 wk) w

g cg ( $625 $865) (Exb

6.6). F cg, g

wk cb cd 2009 2010

wk g (200 wk)

( $3,182 $3,652) (Exb 6.7). Tg wk cb d

b 2009 2010 cd wk

w g cg g d

cg (Exb 6.6 d 6.7).

T g d wk

cb.

T- c cd wk

cb $1,079 (120%

g wk cb) g cg,

w 42% cd wk

wk cb $719 (80%

g wk cb) (Exb 6.14).

F cg, 28% cd wk

cb $4,797 (120%

g wk cb), w 46%

cd wk wk

cb $3,198 (80%

g wk cb) (Exb 6.14).

T j cd wk d b

cb .

Sx c wk w g cg d

5% wk w cg wk 100% (Exb 6.15).

1 e p, w cb p, p cb p p

sc 6 c cb b p h svg acc h rb

ag. s sc 8 p cb hsa hra.

n o T e :




71


2 s i p, c sc 10.

n o T e :

Cd wk (3–199 wk)

k wk 100%

wk g

(200 wk). T- c

cd wk

g cg,

cd 6% cd wk g

(Exb 6.16). F cg, 13%

c cd wk

cg, cd 1% cd wk

g (Exb 6.17).

Eg c cd wk

(3–199 wk) cb 50%

g cg, cd

1% cd wk g (200

wk) (Exb 6.16). F

cg, 32% cd wk

wk w cb

50% , cd 8%

cd wk g (Exb 6.17).

T cg d b cd

wk b ccc.

F g cg, wk w

w-wg wk (w 35% $23,000 ) cb g

cg

w w w-wg wk (w

35% $23,000 ) (24% . 18%)

(Exb 6.19).

F cg, wk w

w-wg wk (35% $23,000

) cb g cg

w w

w-wg wk ( 35% $23,000

) (35% . 29%) (Exb 6.20).

Wk w cg

c -dd cb

gc w cg

d (26%

. 36%).2 Ag , cb

wk -d 27% cd

38% d . F g ,

cb 25% d 32% (Exb 6.20).

Wk w cg

wk cb

gc w cg

w wk

(24% . 33%) (Exb 6.20).

S wk d b

cb b wk’ wg.

T c cd wk

wk cb b wg

, wc c cgd 10% d 2008, wc w

q w kd. Wk g

k b d b

cb b wg wk

(17% . 6%) (Exb 6.25).



6


72


0%

5%

10%

15%

20%

25%

30%

35%

40%

45%

50%

FAMILY COVERAGE

SINGLE COVERAGE

1999 2000 2001 2002 2003 2004 2005 2006 2007 201020092008

27%

14%

26%

14%

26%

14%

28%

16%

27%

16%

28%

16%

26%

16%

27%

16%

28%

16%

30%*

19%*

27%

17%

27%

16%

e x h i B i t 6 . 1

avg Pcg P P b Cv W sg Cvg, 1999–2010

* e c pv w (p<.05).


s o u r c e :




73


$0

$50

$100

$150

$200

$250

$300

$350

$400

$450

$500

FAMILY COVERAGE

SINGLE COVERAGE

1999 2000 2001 2002 2003 2004 2005 2006 2007 201020092008

$129 $135$149*

$178*

$201*

$222* $226

$248*

$273*

$333*

$293$280

$27 $28 $30$39* $42 $47 $51 $52 $58*

$75*$65$60

e x h i B i t 6 . 2

avg m W P Cb P b Cv W sg

Cvg, 1999–2010

* e c pv w (p<.05).


s o u r c e :



6


74


2004

2007

2008

2009

2000

2001

2002

2003

2005

2006

1999

WORKER CONTRIBUTION

EMPLOYER CONTRIBUTION

$0 $500 $1,000 $1,500 $2,000 $2,500 $3,000 $3,500 $4,000 $4,500 $5,000 $5,500

$318 $1,878

$334 $2,137*

$355 $2,334*

$466* $2,617*

$508 $2,875*

$558 $3,136*

$610 $3,413*

$627 $3,615*

$694* $3,785

$721 $3,983

$779

$899*

$4,045

2010 $4,150

$2,196

$2,471*

$2,689*

$3,083*

$3,383*

$3,695*

$4,024*

$4,242*

$4,479*

$4,704*

$4,824

$5,049*

e x h i b i T 6 . 3

avg a Wk ep ct t t P Tt P sg

cvg, 1999–2010

* ett ttt t tt t pv w (p<.05).


s o u r c e :




75


WORKER CONTRIBUTION


$0 $2,000 $4,000 $6,000 $8,000 $10,000 $12,000 $14,000 $16,000

$1,543 $4,247

$1,619 $4,819*

$1,787* $5,269*

$2,137* $5,866*

$2,412* $6,657*

$2,661* $7,289*

$2,713 $8,167*

$2,973* $8,508*

$3,281* $8,824

$3,354 $9,325*

$3,515 $9,860*

2004

2007

2008

2009

2000

2001

2002

2003

2005

2006

1999

2010 $3,997* $9,773

$5,791

$6,438*

$7,061*

$8,003*

$9,068*

$9,950*

$10,880*

$11,480*

$12,106*

$12,680*

$13,375*

$13,770*

e x h i B i t 6 . 4

avg a W ep Cb P t P

Cvg, 1999–2010

* e c pv w (p<.05).


s o u r c e :



6


76


$0 $2,000 $4,000 $6,000 $8,000 $10,000 $12,000 $14,000 $16,000

SINGLE

HMO

FAMILY

ALL PLANS

HDHP/SO

SINGLE

FAMILY

PPO

SINGLE

FAMILY

POS

SINGLE

SINGLE

FAMILY

FAMILY

$1,028* $5,130

$4,357 $14,125

$899

$905

$974

$5,195*

$14,033

$13,213

$12,384*

$13,770

$4,470*

$3,997

$3,823

$5,124

$5,239

$632*

$3,522

$4,102

$9,768

$4,150

$4,265

$8,018*

$4,219

$9,773

$10,210

$3,839*

$8,861*

$5,049

WORKER CONTRIBUTION


e x h i B i t 6 . 5

avg a W P Cb t P Cv W

sg Cvg, b P tp, 2010

* e c a P b cvg p (p<.05).


s o u r c e :




77


$0

$100

$200

$300

$400

$500

$600

$700

$800

$900

$1,000

ALL SMALL FIRMS

3199 WORKERS

ALL LARGE FIRMS

200 OR MORE WORKERS

1999 2000 2001 2002 2003 2004 2005 2006 2007 201020092008

$334

$286

$363

$280

$380

$306

$495*

$406*

$536

$450

$578

$513

$638*

$556

$689

$515

$759*

$561

$917

$865*

$854*

$625

$769

$624

e x h i B i t 6 . 6

avg a W Cb Cv W w sg Cvg, b sz,

1999–2010

* e c pv w (p<.05).


s o u r c e :



6


78


$0

$1,000

$2,000

$3,000

$4,000

$5,000

ALL SMALL FIRMS

3199 WORKERS

ALL LARGE FIRMS

200 OR MORE WORKERS

1999 2000 2001 2002 2003 2004 2005 2006 2007 201020092008

$1,831

$1,398

$1,940

$1,453

$2,254*

$1,551

$2,647*

$1,893*

$2,970

$2,146*

$3,382*

$2,340*

$3,170

$2,487

$3,550

$2,658

$4,236*

$2,831

$4,665

$3,652*

$4,204

$3,182

$4,101

$2,982

e x h i B i t 6 . 7

avg a W Cb Cv W w Cvg, b sz,

1999–2010

* e c pv w (p<.05).


s o u r c e :

* e c pv w (p<.05).


s o u r c e :




79


e x h i B i t 6 . 8

avg a W P Cb P b Cv W sg

Cvg, b sz, 1999–2010

* e c bw a s a lg w (p<.05).


s o u r c e :

sg Cvg Cvg

a s (3–199 W)

a lg (200 m W)

a s (3–199 W)

a lg (200 m W)

1999 $286 $334 $1,831* $1,398*

2000 $280* $363* $1,940* $1,453*

2001 $306* $380* $2,254* $1,551*

2002 $406* $495* $2,647* $1,893*

2003 $450 $536 $2,970* $2,146*

2004 $513 $578 $3,382* $2,340*

2005 $556 $638 $3,170* $2,487*

2006 $515* $689* $3,550* $2,658*

2007 $561* $759* $4,236* $2,831*

2008 $624* $769* $4,101* $2,982*

2009 $625* $854* $4,204* $3,182*

2010 $865 $917 $4,665* $3,652*



6


80


W

Cb

ep

Cb

t P

hmo

a s (3–199 W) $991 $4,141 $5,133

a lg (200 m W) $1,045 $4,085 $5,129

ppo

a s (3–199 W) $787* $4,382 $5,169

a lg (200 m W) $956* $4,148 $5,104

pos

a s (3–199 W) $1,145 $4,000 $5,145

a lg (200 m W) $676 $4,725 $5,402

hDhp/so

a s (3–199 W) $716 $3,738 $4,454

a lg (200 m W) $571 $3,911 $4,482

All plANs

a s (3–199 W) $865 $4,180 $5,046

a lg (200 m W) $917 $4,133 $5,050

e x h i B i t 6 . 9


sg Cvg, b P tp sz, 2010



s o u r c e :




81


W

Cb

ep

Cb

t P

hmo

a s (3–199 W) $4,972 $8,313* $13,285*

a lg (200 m W) $4,089 $10,403* $14,492*

ppo

a s (3–199 W) $4,380* $9,355* $13,735

a lg (200 m W) $3,586* $10,574* $14,161

pos

a s (3–199 W) $5,536 $7,289 $12,825

a lg (200 m W) $4,634 $9,216 $13,850

hDhp/so

a s (3–199 W) $4,472* $7,550* $12,022

a lg (200 m W) $2,849* $9,791* $12,640

All plANs

a s (3–199 W) $4,665* $8,585* $13,250*

a lg (200 m W) $3,652* $10,386* $14,038*

e x h i B i t 6 . 1 0


Cvg, b P tp sz, 20 10



s o u r c e :



6


82


exhiBit 6 .1 1

avg m a W P Cb P b Cv W sg

Cvg, b P tp sz, 2010

m a


hmo

a s (3–199 W) $83 $414 $991 $4,972

a lg (200 m W) 87 341 1,045 4,089

All irm sizes $86 $363 $1,028 $4,357

ppo

a s (3–199 W) $66* $365* $787* $4,380*

a lg (200 m W) 80* 299* 956* 3,586*

All irm sizes $75 $319 $905 $3,823

pos

a s (3–199 W) $95 $461 $1,145 $5,536

a lg (200 m W) 56 386 676 4,634

All irm sizes $81 $433 $974 $5,195

hDhp/so

a s (3–199 W) $60 $373* $716 $4,472*

a lg (200 m W) 48 237* 571 2,849*

All irm sizes $53 $294 $632 $3,522

All plANs

a s (3–199 W) $72 $389* $865 $4,665*

a lg (200 m W) 76 304* 917 3,652*

All irm sizes $75 $333 $899 $3,997



s o u r c e :




83


exhiBit 6 .1 2

avg m a W P Cb P b Cv W sg

Cvg, b P tp rg, 2010

m a


hmo

n $111* $339 $1,333* $4,069

mw 76 345 908 4,145

s 77 340 929 4,082

W 76 401 916 4,809

All regioNs $86 $363 $1,028 $4,357

ppo

n $83 $282* $998 $3,388*

mw 79 326 947 3,916

s 71 348* 848 4,177*W 73 280 882 3,359

All regioNs $75 $319 $905 $3,823

pos

n $167 $375 $2,000 $4,495

mw 67 394 808 4,733

s 52 443 628 5,317

W 76 484 907 5,813

All regioNs $81 $433 $974 $5,195

hDhp/so

n $59 $357 $707 $4,278

mw 55 230* 658 2,765*

s 59 363 710 4,358

W 32* 242 382* 2,903

All regioNs $53 $294 $632 $3,522

All plANs

n $94* $313 $1,123* $3,754

mw 73 313 876 3,759

s 68* 358* 822* 4,300*

W 70 331 841 3,978

All regioNs $75 $333 $899 $3,997

* e c w p p c g (p<.05).


s o u r c e :



6


84


* e c pv w (p<.05).

^ i w b hdhP/so p 2006.


s o u r c e :

exhiBit 6 .1 3

avg m W P Cb P b Cv W sg

Cvg, b P tp, 1999–2010

1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010

sn Ca

hmo $28 $26 $32 $38 $42 $46 $47 $49 $59 $59 $68 $86*

PPo 27 29 29 39* 44 48 50 53 60* 61 67* 75*

Pos 27 28 29 40* 41 45 61* 53 52 72 62 81

hdhP/so ^ ^ ^ ^ ^ ^ ^ 47 43 39 45 53

All plANs $27 $28 $30 $39* $42 $47 $51 $52 $58* $60 $65 $75*

a Ca

hmo $124 $131 $150 $164 $179 $223* $217 $257* $276 $282 $307 $363*

PPo 128 141 153 188* 210* 224 220 243* 270* 279 289 319*

Pos 141 136 143 180* 206 218 271* 269 305 311 346 433*

hdhP/so ^ ^ ^ ^ ^ ^ ^ 187 238 234 223 294*

All plANs $129 $135 $149* $ 178* $ 201* $ 222* $226 $248* $ 273* $280 $293 $333*

e x h i B i t 6 . 1 4

d b W P Cb sg Cvg rv

avg a W P Cb, 2010

n: t vg w cb $899 g cvg $3,997 cvg. t w

cb b v vg g w cb. p, $719 80%

vg g w cb $1,079 120% vg g w cb. t b p

v vg b cvg.


s o u r c e :

sg Cvg Cvg

P

Cb rg,

rv avg

P Cb

P

Cb rg,

d a

Pcg

Cv W

rg

P

Cb rg,

d a

Pcg

Cv W

rg

l 80% l $719 42% l $3,198 46%

80% l t avg $719 <$899 12% $3,198 <$3,997 16%

avg l t 120% $899 <$1,079 12% $3,997 <$4,797 11%

120% m $1,079 m 34% $4,797 m 28%




85


0% 20% 40% 60% 80% 100%

0%

GREATER THAN 0%, LESS THAN OR EQUAL TO 25%


GREATER THAN 50%

2004*

2006

2008

2009*

2010*

2002

2003*

2005

2007

2004*

2006

2008

2009

2010*

2002

2003*

2005*

2007*

SINGLE

COVERAGE

FAMILY

COVERAGE

24%56%16%

13% 5%58%24%

17% 3%57%24%

21% 2%56%21%

19% 3%57%21%

18% 2%56%23%

21% 2%56%20%

19% 2%59%20%

22% 1%58%18%

35% 16%43%5%

29% 16%46%9%

31% 14%47%8%

36% 13%44%7%

32% 13%46%9%

37% 12%42%9%

31% 15%47%6%

33% 14%46%7%

33% 12%48%6%

4%

e x h i B i t 6 . 1 5

d b Pcg P P b Cv W sg Cvg,

2002–2010

* db c w cvg p b

pv w (p<.05).


s o u r c e :



6


86


0% 20% 40% 60% 80% 100%

0%



GREATER THAN 50%

2004

2006

2008

2009

2010*

2002

2003

2005

2007

2004*

2006

2008

2009*

2010*

2002

2003*

2005

2007*

ALL SMALL FIRMS

3199 WORKERS

ALL LARGE FIRMS

200 OR MORE

WORKERS

18% 8%39%35%

13% 8%35%45%

14% 6%35%45%

17% 5%35%42%

18% 6%36%41%

14%38%43%

16%36%44%

16%40%40%

19%40%39%

27% 1%65%6%

14% 4%69%14%

18% 1%67%14%

23% 1%65%11%

20% 1%67%12%

20% 1%66%13%

23% 2%66%9%

20% 1%68%10%

24% 1%67%8%

4%

4%

5%

3%

e x h i B i t 6 . 1 6

d b Pcg P P b Cv W sg Cvg, b sz,

2002–2010

* db c w z cg b

pv w (p<.05).


s o u r c e :




87


0% 20% 40% 60% 80% 100%

0%



GREATER THAN 50%

2004*

2006

2008*

2009

2010

2002

2003

2005*

2007*

2004

2006*

2008

2009*

2010*

2002

2003*

2005

2007*

ALL SMALL FIRMS

3199 WORKERS

ALL LARGE FIRMS

200 OR MORE

WORKERS

25% 32%30%13%

28% 31%23%18%

26% 31%28%15%

39% 28%17%15%

37% 23%22%18%

38%20%17%

25%25%13%

31%27%13%

28%28%14%

40% 8%50%1%

29% 9%57%5%

33% 6%57%4%

34% 6%56%4%

30% 7%57%5%

36% 5%54%5%

34% 5%58%3%

34% 6%56%4%

36% 4%58%2%

24%

37%

30%

30%

e x h i B i t 6 . 1 7

d b Pcg P P b Cv W Cvg, b sz,

2002–2010

* db c w z cg b

pv w (p<.05).


s o u r c e :



6


88


0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100%


LESS THAN 35% EARN $23,000 A YEAR OR LESS*


MORE EARN $23,000 A YEAR OR LESS*





SINGLE COVERAGE

FAMILY COVERAGE

3%22%16% 58%

6%40%17% 37%

16%34%6% 45%

21%41%5% 33%

0%



GREATER THAN 50%

e x h i b i T 6 . 1 8

dt t t Ptg Tt P P cv Wk sg F

cvg, Wg, 2010

* dtt hgWg lwWg F ttt

t (p<.05).


s o u r c e :





6


90


e x h i B i t 6 . 2 0

avg Pcg P P b Cv W Cvg, b

Cc c , 2010

* e c c w z cg (p<.05).


s o u r c e :

a s

(3–199 W)

a lg

(200 m

W)

a

Wa l


$23,000 y l)

36% 26%* 29%*

m W a lwWg (35% m e

$23,000 y l)

38% 33%* 35%*

unn

h a l s u W 26%* 23%* 24%*

d n hv a u W 37%* 29%* 33%*

yn W

l t 35% W a ag 26 yg 35% 26% 29%

35% m W a ag 26 yg 46% 31% 35%

od W

l t 35% W a ag 50 o 37% 26% 30%

35% m W a ag 50 o 33% 28% 30%

ndn Aannt

i 38%* 32%* 36%*

s 27%* 25%* 26%*




91


e x h i B i t 6 . 2 1

avg Pcg P P b Cv W sg Cvg, b P

tp sz, 2010



s o u r c e :

sg Cvg Cvg

hmo

a s (3–199 W) 20% 37%*

a lg (200 m W) 21 29*

All irm sizes 21% 31%

ppo

a s (3–199 W) 16%* 33%*

a lg (200 m W) 20* 26*


pos

a s (3–199 W) 23% 42%

a lg (200 m W) 12 35


hDhp/so

a s (3–199 W) 15% 37%*

a lg (200 m W) 14 22*


All plANs

a s (3–199 W) 18% 36%*

a lg (200 m W) 19 27*




6


92


* e c pv w (p<.05).

^ i w b hdhP/so p 2006.


s o u r c e :

exhiBit 6 .2 2


tp, 1999–2010

1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010

sn Cahmo 16% 14% 18% 16% 17% 16% 16% 15% 17% 16% 18% 21%*

PPo 13 14 13 16* 16 16 15 15 17 16 17 19

Pos 15 14 13 16* 16 16 19 16 14 18 16 19

hdhP/so ^ ^ ^ ^ ^ ^ ^ 18 15 11 14 14

All plANs 14% 14% 14% 16% 16% 16% 16% 16% 16% 16% 17% 19%*

a Ca

hmo 28% 26% 29% 27% 26% 29% 26% 28% 28% 26% 28% 31%

PPo 26 27 26 29* 28 27 25 26 27 27 26 28

Pos 28 26 25 28 28 28 31 30 32 31 32 39

hdhP/so ^ ^ ^ ^ ^ ^ ^ 25 27 29 25 28

All plANs 27% 26% 26% 28% 27% 28% 26% 27% 28% 27% 27% 30%*




93


e x h i B i t 6 . 2 3


tp rg, 2010

* e c w p p c g (p<.05).


s o u r c e :

sg Cvg Cvg

hmo

n 23% 27%*

mw 19 30

s 20 31

W 20 35

All regioNs 21% 31%

ppo

n 19% 24%*

mw 19 27

s 19 33*

W 17 24*

All regioNs 19% 28%

pos

n 33% 29%*

mw 16 30

s 14 42

W 19 49

All regioNs 19% 39%

hDhp/so

n 15% 31%

mw 16 23*

s 15 36*W 9* 25

All regioNs 14% 28%

All plANs

n 21% 26%*

mw 18 27*

s 18 34*

W 17 30

All regioNs 19% 30%



6


94


exhiBit 6 .2 4

avg Pcg P P b Cv W , b P tp i , 2010

sg Cvg Cvg

hmoagc/mg/Cc nsd nsd

mcg 25% 24%*

tp/Cc/u 18 23*

W nsd nsd

r nsd nsd

c 20 28

svc 22 36*

s/lc Gv 12* 20*

h C 20 35

All iNDusTries 21% 31%

ppo

agc/mg/Cc 21% 32%

mcg 22* 26

tp/Cc/u 19 28

W 20 29

r 22 38

c 22* 27

svc 18 31

s/lc Gv 10* 21*

h C 16 29


pos

agc/mg/Cc nsd nsd

mcg nsd nsd

tp/Cc/u nsd nsd

W nsd nsd

r nsd nsd

c nsd nsd

svc 14% 31%*

s/lc Gv nsd nsd

h C nsd nsd


Continued on next page




95


e x h i B i t 6 . 2 4

avg Pcg P P b Cv W , b P tp i , 2010

* e c w p p c (p<.05).

nsd: n sfc d.


s o u r c e :

sg Cvg Cvg

hDhp/soagc/mg/Cc nsd nsd

mcg 17% 25%

tp/Cc/u 18 26

W 15 22

r nsd nsd

c 12 29

svc 10* 25

s/lc Gv nsd nsd

h C 16 25


All plANs

agc/mg/Cc 18% 33%

mcg 22* 26*

tp/Cc/u 19 26

W 19 28

r 25 34

c 19 28

svc 17 31

s/lc Gv 9* 25

h C 19 32


Continued from previous page



6


96


exhiBit 6 .2 5

Pcg Cv W t V W P Cb b Wg, b

sz rg, 2010

* e c c z g cg (p<.05).


s o u r c e :

Pcg Cv W

t V W PCb b Wg lv

irm size

200–999 W 9%

1,000–4,999 W 16

5,000 m W 21*

A sa (3–199 W) 6%*

A la (200 m W) 17%*

regioN

n 20%

mw 11

s 12W 13

All irms 13%



69%

$1

3,

77

0

$ 5

,

0 4

9

2010


2 0 1 0 a n n u a l s u r V e y

sect ion

E

C Sg

7



7


98


e M p l o y e e C o S t S h a r i n g

in addiTion To an y required premium conTribuTions, covered workers ma y face cosT sharing fo r Th e

medical services ThaT They us e. cosT sharing for medical services can Take a varieTy of forms, including

deducTibles (an amounT ThaT musT be paid before some or al l services ar e covered), copaymenTs (fixed

dollar amounTs), and /or coinsurance (a percenTage of Th e charge for services). The Type and level of

cosT sharing ofTen varies by The Type of plan in which The worker is enrolled. cosT sharing may also vary

by The Type of service received such as office visiTs, hospiTalizaTions, or prescripTion drugs.

The cosT-sharing amounTs reporTed here are for covered workers using services provided in-neTwork by

parTicipaTing providers. plan enrollees receiving services from providers ThaT do no T parTicipaTe in plan

neTworks ofTen face higher cosT sharing and may be responsible for charges ThaT exceed plan allowable

amounTs. The framework of This survey does noT allow us To capTure al l of Th e complex cosT-sharing

requiremenTs in modern plans, parTicularly fo r ancillary services (such as durable medical equipmenT

or physical Therapy) or cosT-sharing arrangemenTs ThaT vary across differenT seTTings (such as Tiered

neTworks). Therefore, we do noT collecT informaTion on all of The plan provisions and limiTs ThaT affecT

enrollee ou T-of-pockeT liabiliTy.

g e N e r A l A N N u A l D e D u C T i b l e s

A g ddcb

b d b b c

cd b . T kd

g ddcb b .

Wk HMO k

g ddcb g cg

cd . S-w

c wk HMO w g

cg d g ddcb,

cd 34% wk POS

d 23% wk PPO. T cg

cg (Exb 7.1).

Bw 2009 d 2010 cg

wk HMO w ddcb g

cg dcd 84% 72%.

Wk w g ddcb c g

dc c. F wk w

g ddcb g cg,

78% wk HMO, 75% wk

PPO, d 74% wk POS

q c g

d. T cg

cg (Exb 7.2).

Ddcb g b d z.

T g ddcb g wk w ddcb g cg

$601 HMO, $675 PPO, $1,048 POS

, d $1,903 HDHP/SO (Exb 7.3).

F c , c

gc cg ddcb

2009 2010 g cg.

Sc 2006, wc w

cb ddcb d, g

ddcb wk w PPO cd

$473 $675 2010 g cg

(Exb 7.5) d, ggg ddcb,

$1,034 $1,518 2010 (Exb 7.12).

Ddcb g g cd wk

d b (3–199 wk)

cd wk g (200

wk) (Exb 7.3 d Exb 7.11).




99


F cg, j wk w

g ddcb ggg

ddcb, g b’ -

-ck x c wd g

ddcb . Ag w g

ddcb cg, cg cd wk w ggg

g ddcb g 65%

PPO 89% HDHP/SO.

T g wk w ggg

ddcb cg $1,321

HMO, $1,518 PPO, $2,253 POS ,

d $3,780 HDHP/SO (Exb 7.11).

T ddcb,

- ddcb, q c

b - ddcb

b c x

b. M w -

ddcb cd ddcb

cbd b b c c

ddcb .

F cd wk

- g ddcb

cg, g

ddcb $500 HMO, $596

PPO, $1,164 POS , d $2,053

HDHP/SO (Exb 7.11). M cd

wk w g

ddcb cg

b b qd ddcb (Exb 7.14).1

Ag wk w

b b, g b

b qd

ddcb PPO d

HMO d w HDHP/SO.2

T cg wk w ddcb $1,000

g cg c c.

F 2006 2010, cg cd

wk w ddcb $1,000

g cg d, 10%

27% (Exb 7.7). Wk

(3–199 wk) k g

ddcb $1,000 g

cg wk g (200

wk) (46% . 17%) (Exb 7.6).

T j cd wk w ddcb

w ddcb d b

b c c, c c c ,

c, c dg, cd.

Rg - (83%) cd wk

w g ddcb HMO , POS

(81%), d PPO (70%) d

w ddcb d b

b c c c

cd (Exb 7.16).

Hg cd wk d

ddcb b c cd HMO (96%), PPO (91%), POS

(87%), d HDHP/SO (93%) (Exb 7.16).

S, g wk w g

ddcb, cd wk HMO (94%),

PPO (92%), d POS (92%) d

w g ddcb d

b b c dg

cd (Exb 7.16).

h o s p i T A l C o s T s h A r i N g

W c x d d

q d g cg bc c b cx c

b . A , w ccd

c-g

d d g

dd g ddcb.

Bgg w 2009 , d b

c c cb c

g, w cgd k

q. P, q kd

d c

c g, c ddcb,

c, cc, d d

1 s w w p pp cb pc cvg v

pcc b b q cb v p

, c pp w . t p c vg

b p cb pc .

2 t fc p vg b b q p cb

Pos p.

n o T e :



7


100


( z ). D cg

q , db wk

w c g d q 100%

wk c cb c

g. I dd, g c d

cc d cdwk cb

c g.

W wk g

ddcb, wk c dd

c g w dd , c

c, cc, d cg.

T j wk c

cc w dd ,

w wk g

ddcb (Exb 7.17). F- c

cd wk cc d 19%

c d. Lw

cg wk d ( d)

(5%), ddcb

(5%), b c d cc (10%),

w 19% c g

d. F d, g

cc 18%, g c

$232 d, g d

cg $228, d g

ddcb $723 (Exb 7.19).

T c-g g

d,

wk cc c.F-g c cd wk

cc d 20% c

g d. I dd, 2%

ddcb

g, d 4% b c d

cc, w 20% c g

g (Exb 7.18). F cd

wk w c g c

g d, g cc 17%,

g c $132, d g

g ddcb

$963 (Exb 7.19).

C o s T s h A r i N g o r p h y s i C i A N o i C e v i s i T s

T j cd wk d

q c g

-wk c c , dd

g ddcb.3

T c c c

c g -wk c c.

S- c cd wk

c c c c

d 16% cc. F c w

c c, 73% cd wk

c d 17% cc.

Wk HMO, PPO, d POS

c k c

wk HDHP/SO b c

d c c c c . F

x, j wk HDHP/SO

cc (51%) c g (30%) c c c

ddcb (Exb 7.20).

Ag cd wk w c

-wk c c , g

c $22 c d $31

c c (Exb 7.22),

gc $20 d $28 d 2009.

F- c cd wk

c $15 $20 c c

(Exb 7.23). F c c c

, 28% cd wk c

$20 $25 (Exb 7.24).4

Ag wk w cc -wk

c c , g cc

w c c

c c 18% (Exb 7.22).

e m e r g e N C y r o o m v i s i T C o s T s h A r i N g

T j cd wk c g

w gc .

N-w c cd wk c

g gc (Exb 7.21).

Sx- c wk c

3 i 2010, v b pvc c pc fc v p p c pc

c. P 2010 v p c p cp fc v, w p

cp b p pc c v. t v w p p

p cp p c v cc v w pc pc. t cg

2010 w v p c g p c pc c. t v c c

g w vc . s 2007 v w fc v c g.

4 t vg cp vg cc p pc c c w w v

p c g.

n o T e :





7


102


sg Cvg Cvg

hmo

200–999 W 68% 68%

1,000–4,999 W 80 80

5,000 m W 77 77

A sa (3–199 W) 66% 65%

A la (200 m W) 75% 75%


ppo

200–999 W 26% 26%

1,000–4,999 W 24 24

5,000 m W 23 23A sa (3–199 W) 20% 20%

A la (200 m W) 24% 24%


pos

200–999 W 34% 34%

1,000–4,999 W 70* 70*

5,000 m W 15* 15*

A sa (3–199 W) 36% 32%

A la (200 m W) 30% 30%


e x h i B i t 7 . 1

Pcg Cv W w n G a h P dcb sg

Cvg, b P tp sz, 201 0

* e c w p p c z cg (p<.05).

n: hdhP/so w bc cv w p c cb. i hdhP/hra p,

b v, cb $1,000 g cvg $2,000 cvg. i hsaq

hdhP, g cb 2010 $1,200 g cvg $2,400 cvg. avg g

p cb PPo, Pos p, hdhP/so w vc.


s o u r c e :




103


sg Cvg Cvg

saat Ct san a hta Adn

hmo 78% 78%

PPo 75 75

Pos 74 71

saat Ct san an otatnt s ed

hmo 74% 74%

PPo 72 72

Pos 72 70

e x h i B i t 7 . 2

ag Cv W w n G a h P dcb sg

Cvg, Pcg W hv wg tp C sg, b P tp, 2010 ‡

‡ sp c g c p c wg p: p cb, cp,

cc, / cg p (p ). C g c p g p c wg

p: p cb, cp, / cc.

n: hdhP/so w bc cv w p c cb. i hdhP/hra p, b

v, cb $1,000 g cvg $2,000 cvg. i hsaq hdhP,

g cb 2010 $1,200 g cvg $2,400 cvg. avg g

p cb PPo Pos p w vc.


s o u r c e :



7


104


sg Cvg

hmo

a s (3–199 W) $998*

a lg (200 m W) 354*

All irm sizes $601

ppo

a s (3–199 W) $1,146*

a lg (200 m W) 460*

All irm sizes $675

pos

a s (3–199 W) $1,278*

a lg (200 m W) 687*

All irm sizes $1,048

hDhp/so

a s (3–199 W) $2,216*

a lg (200 m W) 1,676*

All irm sizes $1,903

e x h i B i t 7 . 3

ag Cv W w G a h P dcb sg Cvg,

avg dcb , b P tp sz, 2010

* e c w p p bw a s a lg (p<.05).n: avg g p cb PPo, Pos p, hdhP/so w vc.


s o u r c e :




105


sg Cvg

hmo

n $693

mw 516

s 696

W nsd

All regioNs $601

ppo

n $561

mw 660

s 673

W 814All regioNs $675

pos

n nsd

mw $908

s 1,065

W nsd

All regioNs $1,048

hDhp/so

n $1,765

mw 2,000

s 1,902

W 1,868

All regioNs $1,903

e x h i B i t 7 . 4


avg dcb , b P tp rg, 2010*

* t c c b g (p<.05).

nsd: n sfc d.

n: avg g p cb PPo, Pos p, hdhP/so w vc.


s o u r c e :



7


106


0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

PERCENTAGE OF COVERED WORKERS

WITH A SINGLE DEDUCTIBLE OF $1,000 OR MORE*

PERCENTAGE OF COVERED WORKERS

WITH A SINGLE DEDUCTIBLE OF $2,000 OR MORE*

46%

17%

27%

20%

10%

4%

ALL SMALL FIRMS

3199 WORKERS

ALL LARGE FIRMS

200 OR MORE WORKERS

ALL FIRMS

e x h i B i t 7 . 6

Pcg Cv W e P w hg G a dcb

sg Cvg, B sz, 2010


n: t c w hdhP/so p p. Bc w

cc b cv p, b cvv, w w

cv p v cb $1,000 . Bc w

cv p, pc p . avg g p

cb PPo, Pos p, hdhP/so w vc.


s o u r c e :

2006 2007 2008 2009 2010

hmo $352 $401 $503 $699* $601

PPo 473 461 560* 634 675

Pos 553 621 752 1,061 1,048

hdhP/so 1,715 1,729 1,812 1,838 1,903

e x h i B i t 7 . 5


avg dcb , b P tp, 2006–2010

* e c pv w b p p (p<.05).



s o u r c e :




107


0%

10%

20%

30%

40%

50%

ALL SMALL FIRMS

3199 WORKERS

ALL LARGE FIRMS

200 OR MORE WORKERS

ALL FIRMS

2006 2007 2008 2009 2010

16%

10%

21%*

12%*

35%*

40%

22%*

18%*

46%

27%*

6%8%

13%*

9%

17%

e x h i B i t 7 . 7

Pcg Cv W e P w G a dcb $1,000

m sg Cvg, B sz, 2006–2010

* e c pv w (p<.05).

n: t c w hdhP/so p p. Bc w

cc b cv p, b cvv, w

w cv p v cb $1,000 . Bc w cv p, pc p . avg g



s o u r c e :



7


108


0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100%

2008*

2009*

2007*

2006

26%50%

38% 44%

33% 32%

19%

16%

25%

5%

1%

10%

29% 24% 29% 18%

2010* 16% 35% 31% 17%

$1$499

$500$999

$1,000$1,999

$2,000 OR MORE

0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100%

2008*

2009

2007*

2006

24%64%

62% 26%

52% 30%

10%

8%

13%

2%

4%

4%

48% 32% 14% 6%

2010 49% 29% 16% 6%

$1$499

$500$999

$1,000$1,999

$2,000 OR MORE

e x h i B i t 7 . 8

ag Cv W w G a h P dcb sg PPo Cvg,

d b dcb , 2006–2010

e x h i B i t 7 . 9

ag Cv w w G a h P dcb sg Pos Cvg,

d b dcb , 2006–2010

* db c b pv w (p<.05).

n: dcb PPo p w vc.


s o u r c e :

* db c b pv w (p<.05).

n: dcb Pos p w vc.


s o u r c e :




109


n dcb aggg asp a

p P

hmo

a s (3–199 W) 65% 28% 7%

a lg (200 m W) 75 18 7

All irm sizes 72% 21% 7%

ppo

a s (3–199 W) 20% 56% 24%

a lg (200 m W) 24 47 29


pos

a s (3–199 W) 32% 50% 18%a lg (200 m W) 30 62 8


hDhp/so

a s (3–199 W) na 85% 15%

a lg (200 m W) na 91 9

All irm sizes NA 89% 11%

e x h i B i t 7 . 1 0

d b tp G a dcb Cv W w Cvg, b

P tp sz, 2010*

* t c c bw b a s a lg w p p (p<.05).

na: n appcb. a cv w hdhP/so c g cb. i hdhP/hra p, b v,

cb $1,000 g cvg $2,000 cvg. i hsaq hdhP, g

cb 2010 $1,200 g cvg $2,400 cvg.

n: t v g bw p v ggg cb wc b’ pc

p c w cb p v p c b, pc w

b b q c . ag w w g cb, 76% w

hmo v ggg cb, 65% PPo v ggg cb, 79% Pos p v ggg

cb. avg g p cb PPo, Pos p, hdhP/so w vc.


s o u r c e :



7


110


aggg a sp a p P

hmo

a s (3–199 W) $2,138* nsd

a lg (200 m W) 774* $344

All irm sizes $1,321 $500

ppo

a s (3–199 W) $2,347* $1,065*

a lg (200 m W) 1,103* 430*

All irm sizes $1,518 $596

pos

a s (3–199 W) $2,596 nsd

a lg (200 m W) 1,806 nsd

All irm sizes $2,253 $1,164

hDhp/so

a s (3–199 W) $4,306* nsd

a lg (200 m W) 3,429* $1,815

All irm sizes $3,780 $2,053

exhiBit 7 .1 1

ag Cv W w G a h P dcb , avg dcb

Cvg, b dcb tp, P tp, sz, 2010

* e c w p cb p bw a s a lg (p<.05).nsd: n sfc d.

n: avg g p cb PPo, Pos p, hdhP/so w vc. t

v g bw p v ggg cb wc b’ pc


b b q c .


s o u r c e :




111


e x h i B i t 7 . 1 2

ag Cv W w G a h P dcb Cvg,

avg aggg dcb , b P tp, 2006–2010

* e c pv w b p p (p<.05).



s o u r c e :

2006 2007 2008 2009 2010

hmo $751 $759 $1,053 $1,524* $1,321

PPo $1,034 $1,040 $1,344* $1,488 $1,518

Pos $1,227 $1,359 $1,860 $2,191 $2,253

hdhP/so $3,511 $3,596 $3,559 $3,626 $3,780

$1–$499 $500–$999 $1,000–$1,999 $2,000 m

hmo

aggg a 28% 9% 36% 27%

sp a 50% 33% 16% 1%

ppo

aggg a 7% 33% 35% 24%

sp a 58% 24% 12% 6%

pos

aggg a 7% 9% 21% 63%

sp a 18% 22% 37% 23%

hDhp/so‡

aggg a 0% 0% 0% 100%

sp a 0% 0% 48% 52%

e x h i B i t 7 . 1 3

ag Cv W w G a h P dcb Cvg,

d b dcb , b P tp dcb tp, 2010

‡ B , 100% cv w hdhP/so w ggg cb v cb $2,000 .

n: avg g p cb PPo, Pos p, hdhP/so w vc. t

v g bw p v ggg cb wc b’ pc


b b q c .


s o u r c e :



7


112


0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100%

HDHP/SO

POS

HMO

PPO

TWO

THREE

FOUR OR MORE WITH SPECIFIED LIMIT

NO LIMIT

OTHER

44%38%

35% 17%8%40%

39% 16%

11% 6%

<1%

38% 7%

51%

<1%

2% 1%

22% 23%

exhiBit 7 .1 4

ag Cv W w sp p P G a h P dcb

Cvg, d b m nb mb rq m

dcb , b P tp, 2010

n: avg g p cb PPo, Pos p, hdhP/so

w vc. t v g bw p v

ggg cb wc b’ pc p c

w cb p v p c b,

pc w b b q c .

t “” cg w v p pp

cb, c pp w cp.


s o u r c e :





7


114


hmo PPo Pos hdhP/so

Pc oc V P C 83% 70% 81% 37%§

Pvv C 96% 91% 87% 93%

Pcp dg 94% 92% 92% 56%§

saat Ct san a hta Adn hmo PPo Pos hdhP/so§ All plANs

sp a dcb hpz 5% 6% 2%* <1%* 5%

Cp / Cc

Cp 44* 16 25 2* 19

Cc 17* 63* 37* 59 53

B Cp Cc‡ 10 10 16 <1* 10

Cg P d 11* 3* 14 1* 5

n 22 15* 20 38* 19

exhiBit 7 .1 6

ag Cv W w G a h P dcb , Pcg w Cvg

wg svc W hvg m dcb , b P tp, 2010

exhiBit 7 .1 7

d b Cv W w sp C sg hp a a

a G a dcb , b P tp, 2010

§ Pcg cv w hdhP/hra . B hdhP/hra hsaq hdhP w

b pvv b, b hdhP/hra w b pc fc v p c

pcp g. hsaq hdhP q b w pp p cb vc.

n: t q w cb g cvg. avg g



s o u r c e :

* e c a P (p<.05).

‡ t c w q p g cp cc p.

§ i p cb p w cc hdhP/hra bc g

hsaq hdhP p w v p cb pcc vc.

n: a p , w cc cg pv p

g p cb. hwv, bgg w 2009 v, b cp pvc

cb c g, v w cg q. Pv, q

p c p p c g, c p cb, cp, cc,

p p ( pz ). d cg q , b w w p

c g q 100% w c cb p c g. l 1% cv

w v “” p c g p .


s o u r c e :





7


116


avg

Cp

avg

Cc

Cg

P d

saat Ct san a hta Adn

hmo $267 17% $245

PPo 213 17 157*

Pos 206 19 303

hdhP/so nsd 19 nsd

All plANs $232 18% $228

saat Ct san an otatnt s

hmo $134 16% na

PPo 127 17 na

Pos 146 18 nahdhP/so nsd 19 na

All plANs $132 17% NA

exhiBit 7 .1 9

ag Cv W w sp C sg hp a op

sg a a G a dcb , avg C s g, b P tp, 2010

* e c a P (p<.05).

nsd: n sfc d.

na: n ppcb. t v “Cg P d” (p ) p p q b p c

g c p g p.

n: t vg p cb p $723 vg p cb p

g $963. i c w w bv p vg b p p. t vg

c w w v cb p c g. a P wg b w

p c g. s sv dg m sc wgg.


s o u r c e :




117


Cp oCc

o

B Cp

Cc‡ n C sg

n

abv

pa Ca

hmo* 94% 1% 4% 1% <1%

PPo* 80 16 3 1 <1

Pos* 90 4 3 2 0

hdhP/so* 15 51 3 30 2

All plANs 75% 16% 3% 5% <1%

scat Ca

hmo* 93% 1% 4% 2% <1%

PPo* 77 17 3 3 1

Pos* 90 5 4 2 <1

hdhP/so* 13 50 3 32 2All plANs 73% 17% 3% 6% 1%

enc r vt

hmo* 85% 5% 6% 4% 0%

PPo* 62 18 13 5 1

Pos* 69 10 19 2 <1

hdhP/so* 15 37 15 31 1

All plANs 61% 17% 13% 8% 1%

e x h i B i t 7 . 2 0

i a a G a P dcb, Pcg Cv W w wg

tp C sg Pc oc V egc r V, b P tp, 2010

* db c a P b (p<.05).


n: i 2010, v c q c g w vc . s 2007 v

w fc v c g. i 2010, v b pvc c pc fc v

p p c pc c. P 2010 v p c p cp

fc v, w p cp b p pc c v. t v w

p p p cp p c v cc v w pc pc.

t cg 2010 w v p c g p c pc c.


s o u r c e :



7


118


Pcg Cv Ww egc r C sg

ag W w egc r

C sg, Pcg CvW w C sg Wv

iv a hp

hmo 96%* 85%*

PPo 95* 71

Pos 98* 82*

hdhP/so 69* 48*

All plANs 92% 72%

hmo PPo PoshdhP/

so

All

plANs

pa Ca

avg Cp P C Pc oc V $21* $22 $24* $25 $22

avg C c P C Pc oc V nsd 18% nsd 18% 18%

scat Ca

avg Cp spc Pc oc V $29 $31 $36 $34 $31

avg Cc spc Pc Pc oc V nsd 18% nsd 18% 18%

enc r vt

avg Cp egc r V $95* $109 $110 $124* $107

avg Cc egc r V 15% 17% 19%* 17% 17%

exhiBit 7 .2 1

i a a P dcb , Pcg Cv W w egc r C

sg, b P tp, 2010

exhiBit 7 .2 2

ag Cv W w Cp / Cc inw Pc o c

egc r V , avg Cp Cc, b P tp, 2010

* e c a P (p<.05).


s o u r c e :

* e c a P (p<.05).

nsd: n sfc d.

n: t v p p c g w fc v. i 2010, v b

pvc c pc fc v p p c pc c. P 2010 v

p c p cp fc v, w p cp b p

pc c v. t v w p p p cp p c v

cc v w pc pc. t cg 2010 w v p c g

p c pc c.


s o u r c e :




119


$5 P V $10 P V $15 P V $20 P V $25 P V $30 P V o

hmo

2004 3% 28% 40% 22% 3% 3% 1%

2005* 5 23 34 27 6 4 1

2006 3 21 37 25 8 5 2

2007* 3 20 25 34 13 4 1

2008* 6 16 29 30 11 5 3

2009 5 11 29 31 13 8 3

2010* 1 8 22 38 15 12 4

ppo

2004 1% 17% 35% 28% 11% 4% 3%

2005* <1 16 25 34 15 5 4

2006 <1 12 25 35 17 7 32007* 2 11 24 35 19 7 2

2008 1 11 22 34 21 8 3

2009* <1 11 18 34 23 11 2

2010* 1 7 16 31 25 13 6

pos

2004 3% 17% 34% 36% 8% <1% 1%

2005* 2 16 35 30 11 6 1

2006* 2 22 26 27 16 6 <1

2007* 2 10 36 25 15 6 5

2008* 2 14 19 27 21 12 7

2009* 1 8 14 39 21 12 4

2010* 1 7 11 24 20 29 8

hDhp/so‡

2007 7% <1% 12% 38% 13% 19% 12%

2008 0 2 17 33 9 18 21

2009 <1 4 24 29 11 29 4

2010 0 2 17 34 10 17 20

All plANs

2004 1% 19% 37% 27% 9% 3% 3%

2005* 2 17 29 32 12 5 3

2006 2 15 28 32 15 6 3

2007 2 14 25 34 17 7 2

2008 2 13 23 33 18 8 4

2009* 2 10 21 34 20 11 2

2010* 1 7 18 32 22 15 6

e x h i B i t 7 . 2 3

ag Cv W w Cp Pc oc V w P C Pc,

db Cp, b P tp, 2004–2010

* db c b pv w (p<.05).

‡ t fc p 2006 v. i w b hdhP/so p 2006.

n: Cp PPo, Pos, hdhP/so p w pv. t v pcc b

cp p c pc c 2005. i 2004, v q pc p pc pc.


s o u r c e :



7


120


$5 P

V

$10 P

V

$15 P

V

$20 P

V

$25 P

V

$30 P

V

$35 P

V

$40 P

Vo

hmo

2006 3% 14% 20% 20% 17% 13% 5% 5% 4%

2007* 2 11 12 26 22 14 5 7 2

2008* 2 13 14 18 20 16 5 5 7

2009* 3 6 17 15 17 18 7 9 8

2010* 1 4 9 18 12 18 9 19 10

ppo

2006 <1% 9% 15% 25% 20% 15% 6% 5% 5%

2007 1 8 13 24 18 16 8 7 4

2008* <1 7 14 21 17 15 9 9 8

2009* <1 8 10 20 14 15 11 11 11

2010* 1 4 8 14 15 16 12 17 14

pos

2006 2% 13% 13% 17% 18% 17% 8% 5% 8%

2007* 7 6 10 21 19 16 6 6 9

2008* 1 7 8 14 13 21 11 9 17

2009 1 4 5 17 11 25 6 14 17

2010* 1 5 4 10 15 17 6 10 31

hDhp/so‡

2007 0% 7% 5% 23% 7% 18% 5% 21% 15%

2008 0 2 11 18 4 27 3 9 28

2009 <1 4 11 18 8 23 15 11 9

2010 0 2 5 16 12 12 5 22 26

All plANs

2006 2% 10% 15% 22% 19% 16% 6% 5% 5%

2007 2 8 12 24 20 16 6 7 5

2008* 1 9 13 18 17 16 8 8 10

2009* 1 7 11 18 14 17 10 11 11

2010* 1 4 8 14 14 17 10 18 15

exhiBit 7 .2 4

ag Cv W w Cp Pc oc V w spc C

Pc, db Cp, b P tp, 2006–2010

* db c b pv w (p<.05).

‡ t fc p 2006 v.

n: Cp PPo, Pos, hdhP/so p w pv. i cp pc

pc fc v w b p 2006. t v p p c g w

fc v. P 2010 v p c p cp fc v, w p

cp b p pc c v. t v w p p p

cp p c v cc v w pc pc. t cg 2010 w

v p c g p c pc c.


s o u r c e :




121


$5 P V $10 P V $15 P V $20 P V o

1999 23% 60% 12% 1% 3%

2000* 22 54 16 3 6

2001* 15 56 22 3 4

2002* 7 52 27 11 3

2003* 4 35 37 12 12

2004* 3 28 40 22 7

2005* 5 23 34 27 11

2006 3 21 37 25 15

2007* 3 20 25 34 18

2008* 6 16 29 30 19

2009 5 11 29 31 24

2010* 1 8 22 38 31

Cnanc rat 10% 15% 20% 25% 30% 35% 40% 45% o

pa Ca

PPo 31% 67% 2% <1% 1%

hdhP/so 40 53 7 0 1

All plANs 33% 64% 3% <1% <1%

scat Ca

PPo 27% 70% 2% 1% 1%

hdhP/so* 39 50 6 0 4

All plANs 30% 65% 3% <1% 2%

e x h i B i t 7 . 2 5

ag Cv W hmo w Cp Pc o c V , d b

Pcg W w V Cp , 1999–2010

e x h i B i t 7 . 2 6

ag Cv W w Cc Pc o c V , d b avg

Cc r , b P tp, 2010

* db c b pv w (p<.05).

n: t v pcc b cp p c pc c 2005. P 2005, v

q pc p pc pc.


s o u r c e :

* db c a P b (p<.05).

n: Cc hmo Pos p w bc fc 1% 4% cv

w, pcv, c cc p c fc v 1% 5% cv w, pcv, c

cc pc c fc v.


s o u r c e :



7


122


sg Cvg Cvg

hmo 37%* 38%*

PPo 13* 13*

Pos 32* 30*

hdhP/so na na

All plANs 18% 17%

exhiBit 7 .2 7

Pcg Cv W W a oPc m sg

Cvg, b P tp, 2010

* e c a P (p<.05).

na: n appcb. hsaq hdhP q v pc b

$5,950 g cvg $11,900 cvg 2010. hdhP/hra v c q, pcg

cv w hdhP/hra w “n l” pc g cvg 8%

8%, pcv.


s o u r c e :

hmo PPo Pos hdhP/so‡

G a P dcb 19% 32% 20% 9%

a a P dcb nsd 57% nsd nsd

Pc oc V Cp 54% 74% 50% 53%

Pc oc V Cc nsd 4% nsd 1%

Pcp dg C sg 75% 80% 73% 42%

exhiBit 7 .2 8

ag Cv W w a oPc m, Pcg W spg

V svc d n C tw oPc m, 2010

‡ ag hdhP/so p, q “v p cb” w hdhP/hra hsaqhdhP. hsaq hdhP q pp c g pc . W hdhP/hra

c cv, g cv w w pc , pcg w pc

c c vc w: p cb nsd, fc v cp 52%,

fc v cc 1%, pcp g c g 42%.

nsd: n sfc d.

n: t q p pc g cvg.


s o u r c e :




123


0% 20% 40% 60% 80% 100%

POS*

PPO*

HMO*

$999 OR LESS

$1,000$1,499

$1,500$1,999

$2,000$2,499

$2,500$2,999

$3,000 OR MORE

WITH A SPECIFIED LIMIT

19% 22%5% 16%

5% 10%

14%3% 6%

12%

32%

15% 27%

27%

8% 21%24%

35%

HDHP/SO* 7%

2%

14% 17% 59%

ALL PLANS 4% 13% 18% 21% 13% 31%

e x h i B i t 7 . 2 9

ag Cv W w oPc m sg Cvg, d b

oPc m, b P tp, 2010

* db c a P b (p<.05).

n: db g cv w cg pc pc

. hsaq hdhP q b w v pc

$5,950 g cvg $11,900 cvg 2010.


s o u r c e :



7


124


n l aggg asp a

p P

hmo

a s (3–199 W) 40% 47% 13%

a lg (200 m W) 37 49 14


ppo

a s (3–199 W) 19% 58% 23%

a lg (200 m W) 11 65 24


pos

a s (3–199 W) 37% 56% 7%

a lg (200 m W) 19 71 9


hDhp/so‡

a s (3–199 W) 8% 81% 10%

a lg (200 m W) 1 93 5


All irms

a s (3–199 W)* 24% 59% 17%

a lg (200 m W)* 14 66 20


exhiBit 7 .3 0

d b tp oPc m Cv W w Cvg, b P

tp sz, 2010

* db c bw a s a lg w p p (p<.05).

‡ hsaq hdhP q b w v pc b $5,950 g

cvg $11,900 cvg 2010. W c cc, b p

pc hdhP/hra w: a s – 20% n l, 69% aggg a, 12%

sp a p P; a lg – 2% n l, 92% aggg a, 5% sp a p P;

a sz – 8% n l, 84% aggg a, 8% sp a p P.

n: t v g bw p v ggg pc pp pg

b cv p p p p pc pp pg b c

b b b. ag w w pc , 78% w hmo

v ggg pc , 72% PPo v ggg pc , 89% Pos p v

ggg pc , 77% a P v ggg pc .


s o u r c e :




125


0% 20% 40% 60% 80% 100%

POS*

PPO*

HMO*

$1,999 OR LESS

$2,000$2,999

$3,000$3,999

$4,000$4,999

$5,000$5,999

$6,000 OR MORE


20% 20%5% 12%

6% 8%

12%3% 7%

12%

32%

5%

30%

8% 35%12%

14% 60%

HDHP/SO* 3% 6% 18%14% 58%

ALL PLANS 4% 10% 19% 17% 13% 37%

<1%

e x h i B i t 7 . 3 1

ag Cv W w aggg oPc m Cvg,

d b oPc m, b P tp, 2010

* db c a P b (p<.05).


. hsaq hdhP q b w v pc

$5,950 g cvg $11,900 cvg 2010. t v g

bw p v ggg pc pp pg b

cv p p p p pc pp

pg b c b b b.


s o u r c e :



7


126


0% 20% 40% 60% 80% 100%

PPO

HMO

<1%

11%44% 27%

43%

57% 23%

17%

17% 13%

1%

26%

1%

19%HDHP/SO

44% 11%

1%

17%28%ALL PLANS

TWO

THREE

FOUR OR MORE


NO LIMIT

OTHER

0% 20% 40% 60% 80% 100%

PPO

HMO*

$1,999 OR LESS

$2,000$2,999

$3,000$3,999

$4,000$4,999

$5,000$5,999

$6,000 OR MORE


12% 4%6%42% 31%

45%

11% 6% 39%

4%

18% 9%

<1%

28%

33% 10% 1%HDHP/SO*

40% 9%15% 6%28% 2%ALL PLANS

exhiBit 7 .3 2

ag Cv W w s p p P oPc m Cvg,

d b oPc m, b P tp, 2010

* db c a P b (p<.05).


. t v g bw p v ggg pc

pp pg b cv p p p p

pc pp pg b c b b

b. db pc Pos p w

fc b bv.


s o u r c e :

exhiBit 7 .3 3

ag Cv W w s p p P oPc m Cvg,

d b m nb mb rq m m, b P

tp, 2010*

* t c c bw p p b a P b (p<.05).

n: t v g bw p v ggg pc

pp pg b cv p p pc pp

pg b c b b b. db pc

Pos p w fc b bv. t “” cg

w v p pp pc , c p

p w cp.


s o u r c e :



69%

$1

3,

77

0

$ 5

,

0 4

9

2010


2 0 1 0 a n n u a l s u r V e y

sect ion

Hg-Ddcb

H P

w Sg

O

8



8


128


h i g h - D e D u C t i B l e h e a lt h p l a n S W i t h S a v i n g S o p t i o n

changes in la w over Th e pasT fe w years have permiTTed Th e esTablishmenT of ne w Types of savings

arrangemenTs for healTh care. The Tw o mosT common are healTh reimbursemenT arrangemenTs (hras)

and healTh savings accounTs (hsas). hras and hsa s are boTh financial accounTs ThaT workers or Their

family members can use To pay for healTh care services. These savings arrangemenTs are ofTen (or, in The

case of hsa s, always) paired wiTh healTh plans wiTh high deducTibles. The survey TreaTs high-deducTible

plans ThaT can be paired wiTh a savings opTion as a disTincT plan Type—h igh -d educTible healTh plan wiTh

savings opTion (hdhp/so)—even if The plan would oTherwise be considered a ppo, hmo, pos plan, or

convenTional healTh plan. specifically for The survey, hdhp/sos are defined as (1) healTh plans wiTh a

deducTible of aT leasT $1,000 for single coverage and $2,000 for family coverage1 offered wiTh an hra

(referred To as hdhp/hras); or (2) high-deducTible healTh plans ThaT meeT The federal legal requiremenTs

To permiT an enrollee To esTablish and conTribuTe To an hsa (referred To as hsa-qualified hdhps).2

1 t g q cb p w hra. t v gcb

p p w cb $1,000 g cvg $2,000 cvg. w q

cb $1,200 g cvg $2,400 cvg hsaq hdhP 2010. s t

B hdhP/hra hsaq hdhP.

2 t hdhP/so c cv p p, c g cb hra

w wcb p g wc ( p c hra

c hsa) b cc c . o g b c

v vv.

n o T e :

p e r C e N TA g e o i r m s o e r i N g

h D h p / h r A A N D h s A - Q u A l i i e D h D h p ,

A N D e N r o l l m e N T

F c g b

HDHP/HRA, HSA-qd HDHP, b

2010, . Ag g

b, 4% HDHP/HRA d

12% HSA-qd HDHP (Exb 8.1),

c d cg

d .

F w 1,000 wk

k HDHP/SO .

T- c w 1,000

wk HDHP/SO cd 15%

w 3 199 wk 21%

w 200-999 wk (Exb 8.2).

T cg w 1,000

wk g HDHP/SO cd

2010 34% 28% 2009 (Exb 8.3).

E HDHP/SO cd 8%

13% cd wk 2010 (Exb 8.4).

S c cd wk d

HDHP/HRA d 6% d HSA-

qd HDHP. HDHP/HRA

cd 3% 2009 7% 2010.

E HSA-qd HDHP d

6% 2010, cg 2009

(Exb 8.4).

N c cd wk

(3–199 wk) d HSA-qd

HDHP, cd 5% wk g (200 wk) (Exb 8.5).

p l A N D e D u C T i b l e s

A xcd, wk d HDHP/SO

g ddcb wk d HMO,

PPO, POS .

T g g ddcb g

cg $1,737 HDHP/HRA d $2,096

HSA-qd HDHP (Exb 8.6). T

g d

2009. T wd g

g ddcb g

cg (Exb 8.8).




129


M wk HDHP/HRA (94%) d HSA-

qd HDHP (92%) d

g ddcb b c

cd (Exb 8.11).

Sc 2006, ccd

w ddcb. T k

w ddcb

(1) ggg (.., --ckx b cd

ddcb d), (2) -

c b (c w

b b wd

b qd ddcb ).

T g ggg ddcb wk

w cg $3,577 HDHP/

HRA d $4,006 HSA-qd HDHP

(Exb 8.6). T wd

g ggg g ddcb

cg (Exb 8.10).

Wk HSA-qd HDHP

c gc g ddcb g

cg ($2,284) d cg ($4,258)

wk w HSA-qd HDHP

g , w ddcb g $1,895 g cg d $3,734 ggg

ddcb cg.

o u T - o - p o C k e T m A x i m u m A m o u N T s

HSA-qd HDHP g qd

x --ck b

$5,950 g cg d $11,900

cg 2010. HDHP/HRA

q.

Helth Rebeet Aeet (HRA)

dc c b bd

b c b d b

c. HRA dd b

. E c c k

cd b HRA

d dc x cd

b dd. HRA

ccg dc, d

qd xd d c

x wd b cd b HRA.

U d HRA c b cd

x ( w ).

E c k HRA bc w

jb, g

c c k g bc

b c.

HRA d g w g-

ddcb (HDHP). I c c,

c

HRA d --ck

ddcb . S c

c c c

c dg d b b

ddcb.

Helth Sv Acct (HSA) g

cc cd b dd

c. A dd b HSA

cd b “qd ” wc

w g ddcb (.., ddcb

$1,200 g cg d $2,400

cg 2010)

q.1 E c cg

c HSA b g HDHP

d q. E

c b

dg HSA , cg c,

gg b HSA d.

B d c cb

HSA, c $3,050

g cg d $6,150

cg 2010. E cb

HSA d -c x b,d g

d HSA g ddc.

E qd cb HSA

bd b b, c

d , cb xb

. I d g

HSA xb. Wdw

HSA b cc w

qd c x xd. T

g cc wd b dd w

c cc,

HSA bc jb.

1 s u.s. dp t, h svg acc, vb p://www..gv/fc/pbc/

/p/2010hsa%20.p.



8


130


T g --ck x

g cg $3,622 HDHP/HRA3 d

$3,186 HSA-qd HDHP (Exb 8.6).

A w ddcb, k

w --ck xb (1) ggg

dg b cd ,

(2)

dg b c b d

b b. T k

w dg b c

c wd g --ck

x.

Ag cd wk w cg

w --ck x ggg

dg b cd

, g

$7,096 HDHP/HRA d $6,066

HSA-qd HDHP (Exb 8.6).

p r e m i u m s

I 2010, g HDHP/

HRA $4,702 g cg d $13,068

cg. T HDHP/HRA g

cd wk w g cg

w g g cg

wk HDHP/SO

(Exb 8.7).

T g wk HSA-

qd HDHP $4,233 g cg d$11,683 cg. T

w g g d

wk HDHP/SO

(Exb 8.7). P cd gc

bw 2009 d 2010 HSA-qd HDHP

$3,829 $4,233 g cg d

$10,396 $11,683 cg.

W o r k e r C o N T r i b u T i o N s T o p r e m i u m s

T g wk cb

wk d HDHP/HRA

$799 g cg d $3,604

cg (Exb 8.6).

T g wk cb

wk HSA-qd

$444 g cg d $3,457

cg (Exb 8.6). T g cb

g cg wk HSA-qd

HDHP gc g

cb d b cd wk

HDHP/SO (Exb 8.7).

e m p l o y e r C o N T r i b u T i o N s T o p r e m i u m s

A N D s A v i N g s o p T i o N s

E cb HDHP/SO w w:

g cb wd d g cb

( , c HSA) g cc

(.., HRA HSA ).

Lkg j

cb , cd wk

HDHP/HRA g c

cb $3,903 g cg d

$9,464 cg. (Exb 8.7).

T g cb

wk HSA-qd HDHP

$3,789 g cg d $8,225

cg. T w

g cb g

cg wk

HDHP/SO (Exb 8.7).

3 t vg pc hdhP/hra cc p w pc . ab 10%

cv w hdhP/hra w g cvg cvg p p vg

pc p.

n o T e :





8


132


0%

10%

20%

30%

40%

50%

3199 WORKERS* 200999 WORKERS 1,000 OR MORE WORKERS*

15%

21%

34%

HDHP/HRA HSAQUALIFIED HDHP EITHER HDHP/HRA OR

HSAQUALIFIED HDHP‡

2005

2006

2007

2008

2009

2010

0%

10%

20%

30%

40%

50%

2% 1%3% 2%

4%3% 2%

6%* 7%10%

12%11%

4%7%

10%

15%

12%13%

e x h i B i t 8 . 1

ag og h B, Pcg t o hdhP/hra / hsaQ

hdhP, 2005 –2010

e x h i B i t 8 . 2

ag o g h B , Pcg t o hdhP/so, b sz, 2010

* e c pv w (p<.05).

‡ t 2010 c 0.3% g b b hdhP/hra hsaq hdhP.

t cpb pcg 2005, 2006, 2007, 2008 2009 0.3%, 0.4%, 0.2%, 0.3% 0.1%, pcv.


s o u r c e :

* e c c z cg (p<.05).

n: t 2010 c 0.3% g b b hdhP/hra hsaq hdhP.


s o u r c e :




133


3199 WORKERS 200999 WORKERS 1,000 OR MORE WORKERS

0%

10%

20%

30%

40%

50%

4%7%

10% 11%

15%13%

4% 5%

13%*

18%21%

15%

10%

17%* 18%

28%*

34%*

22%

2005

2006

2007

2008

2009

2010

e x h i B i t 8 . 3

ag o g h B , Pcg t o hdhP/so, b sz, 2005–2010

* e c pv w (p<.05).

n: t 2010 c 0.3% g b b hdhP/hra

hsaq hdhP. t cpb pcg 2005, 2006, 2007, 2008 2009 0.3%, 0.4%, 0.2%, 0.3%

0.1%, pcv.


s o u r c e :

HDHP/HRA HSAQUALIFIED HDHP HDHP/SO

0%

10%

20%

30%

40%

50%

2% 3% 3%

7%*

3% 2% 3%6% 6%

4%* 4% 5%8%

13%*

8%*

2006

2007

2008

2009

2010

e x h i B i t 8 . 4

Pcg Cv W e hdhP/hra hsaQ hdhP, 2006–2010

* e c pv w (p<.05).


s o u r c e :



8


134


HDHP/HRA HSAQUALIFIED HDHP* HDHP/SO

ALL SMALL FIRMS 3199 WORKERS

ALL LARGE FIRMS 200 OR MORE WORKERS

ALL FIRMS

0%

10%

20%

30%

40%

50%

7% 7% 7%9%

5% 6%

16%

12% 13%

e x h i B i t 8 . 5

Pcg Cv W e hdhP/hra hsaQ hdhP, b sz, 2010

* e c bw a s a lg

w cg (p<.05).


s o u r c e :

e x h i B i t 8 . 6

hdhP/hra hsaQ hdhP Cv W, 2010

hDhp/hrA hsAQad hDhp

Anna pan Aa : sg sg

P $4,702 $13,068 $4,233 $11,683

W Cb P $799 $3,604 $444 $3,457

G a dcb‡ $1,737 $3,577 $2,096 $4,006

oPc m lb‡ $3,622 $7,096 $3,186 $6,066

Cb hra hsa§ $907 $1,619 $558 $1,006

‡ eg pc w hdhP/hra v p p pc g cvg

cvg. t w c hdhP/hra pc b cc. t cb

pc vg w b hdhP/hra hsaq hdhP cvg cv w w

p c ggg . ag cv w hdhP/hra, 16% p w cb p p p 8% p w pc p p p . ag

cv w hsaq hdhP, pcg 7% cb 7% pc .

§ W cb hsa (60% g 61% cvg) c cc,

vg cb hsa cv w $858 g cvg $1,546 cvg. hdhP/hra, w

p c vb hra cb c. hra

cc, p q c p c p. t, p p

c vb p g hra. t, p cb

hra w cp v c p w c p.


s o u r c e :




135


exhiBit 8 .7

avg a P Cb svg acc Cv W hdhP/hra

hsaQ hdhP, Cp a nhdhP/so P, 2010

hDhp/hrA hsAQad hDhp NnhDhp/so pan§

sg sg sg

Tta Anna p $4,702* $13,068 $4,233* $11,683* $5,136 $13,979

W Cb P $799 $3,604 $444* $3,457 $939 $4,069

Cb P $3,903 $9,464 $3,789* $8,225* $4,197 $9,910

Anna Cnttn t t hrA

hsA‡

$907 $1,619 $558 $1,006 na na

Tta Anna Cnttn

( s P P

Cb hra hsa)

$4,810* $11,083* $4,347 $9,231 $4,197 $9,910

Tta Anna Ct(t P P

Cb hra hsa,

appcb)

$5,608* $14,687 $4,791* $12,688* $5,136 $13,979

* e c a nhdhP/so P (p<.05).

‡ W cb hsa (60% g 61% cvg) c

cc, vg cb hsa cv w $858 g cvg $1,546

cvg. hdhP/hra, w p c vb hra

cb c. hra cc, p q c

p c p. t, p p c vb p g hra. t, p cb hra w cp v

c p w c p.

§ i cp c hdhP/so p hdhP/so, w c cp vb cg

hdhP/so .

na: n appcb.

n: V w b q cp p. t vg p b

ggg v vg, wc gc ppp g vg. t

v t a P, t a Cb, t a C.


s o u r c e :



8


136


HDHP/SO

HSAQUALIFIED HDHP

HDHP/HRA

$1,000$1,499

$1,500$1,999

$2,000$2,999

$3,000 OR MORE

0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100%

25%16%

28% 43%

23% 35%

46%

22%

33%

13%

6%

9%

e x h i B i t 8 . 8

d b Cv W w wg G a dcb a sg

Cvg, hsaQ hdhP hdhP/hra, 2010

n: t cb w hsaq hdhP $1,200 2010

ccg g. t, b hsaq hdhP $1,200.


s o u r c e :

aggg a sp a p P

hdhP/hra 84% 16%

hsaQ hdhP 93 7hDhp/so 89% 11%

e x h i B i t 8 . 9

ag Cv W , d b tp G a dcb Cvg,

hdhP/hra hsaQ hdhP, 2010

n: t v g bw p v ggg cb wc b’ pc

p c w cb, p v p c b, pc w

b b q c .


s o u r c e :





8


138


0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

HDHP/HRA HSAQUALIFIED HDHP HDHP/SO

73%

48%

61%

exhiBit 8 .1 2

Pcg Cv W P Cp s hdhP/hra hsaQ

hdhP, 2010

n: s i P, c sc 10.


s o u r c e :

0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100%

HSAQUALIFIED HDHP

HDHP/HRA

$0

$1$399

$400$599

$600$799

$800$999

$1,000$1,199

$1,200 OR MORE

7%35%

4% 39%

19%

23%

17% 6% 15%

1%

16% 17%

2%

exhiBit 8 .1 3

d b Cv W w wg a ep Cb hra

hsa, sg Cvg, 2010

n: g cvg, 60% p g hsaq hdhP (cvg 35% w

p) cb w hsa w b.


s o u r c e :




139


0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100%

HSAQUALIFIED HDHP

HDHP/HRA

$0

$1$999

$1,000$1,499

$1,500$1,999

$2,000$2,499

$2,500$2,999

$3,000 OR MORE

21%35%

9% 45%

19%

20%

11% 4% 8%

13% 3% 10%

1%

e x h i B i t 8 . 1 4

d b Cv W w wg a ep Cb hra

hsa, Cvg, 2010

n: cvg, 61% p g hsaq hdhP (cvg 35% w

p) cb w hsa w b.


s o u r c e :

sg Cvg Cvg

Cb rg,

rv avg

Cb

Cb

rg

Pcg

Cv W

rg

Cb

rg

Pcg

Cv W

rg

l 80% l $725 51% l $1,295 50%

80% l t avg $725 <$907 16% $1,295 <$1,619 23%

avg l t 120% $907 <$1,088 16% $1,619 <$1,943 1%

120% m $1,088 m 17% $1,943 m 26%

e x h i B i t 8 . 1 5

d b Cb hra sg Cvg rv

avg a Cb hra, 2010

n: t vg cb hra $907 g cvg $1,619 cvg. t hra cc

cb b v vg g cc cb. p, $725 80% vg

g hra cc cb $1,088 120% vg g hra cc cb. t b p

v vg b cvg.


s o u r c e :



8


140


exhiBit 8 .1 6

d b Cb hsa sg Cvg rv

avg a Cb hsa, 2010

n: t vg cb hsa $558 g cvg $1,006 cvg. t b

c w w cb. t hsa cc cb b v vg

g cc cb. p, $446 80% vg g hsa cc cb $670 120%

vg g hsa cc c b. t b p v vg b

cvg.


s o u r c e :

sg Cvg Cvg

Cb rg,rv avg

Cb

Cb

rg

Pcg Cv W

rg

Cb

rg

Pcg Cv W

rg

l 80% l $446 43% l $804 47%

80% l t avg $446 <$558 17% $804 <$1,006 10%

avg l t 120% $558 <$670 5% $1,006 <$1,207 8%

120% m $670 m 35% $1,207 m 36%




141


saat Ct san a hta Adn hdhP/hrahsaQ

hdhP

hdhP/so§

dcb <1% na <1%

Cp / Cc

Cp 3 1% 2

Cc 71 44 59

B Cp Cc‡ <1 0 <1

Cg P d <1 1 1

n 25 54 38

saat Ct san an otatnt s ed

dcb 3% na 1%

Cp / Cc

Cp 7 1% 4Cc 70 46 59

B Cp Cc‡ 0 0 0

n 23 53 37

saat Ct san pa Ca pcan oc vt

Cp o 22% 7% 15%

Cc o 57 42 51

B Cp Cc‡ 6 0 3

n 15 47 30

saat Ct san scat Ca pcan oc vt

Cp o 21% 4% 13%Cc o 57 42 50

B Cp Cc‡ 6 0 3

n 15 51 32

saat Ct san enc r vt

Cp o 26% 4% 15%

Cc o 32 42 37

B Cp Cc‡ 27 2 15

n 15 50 31

e x h i B i t 8 . 1 7

d b Cv W hdhP/hra hsaQ hdhP w wg tp

C sg a G a dcb , 2010


§ i p cb p p g w cc hdhP/hra .

na: n appcb. i p cb p p g w cc

hsaq hdhP bc g p w v p cb pcc vc.

n: t b w w p c g q 100% w c cb p c

g. n cv w hdhP/so v “” p c g p p g,

2% v “” p c g p c pc fc v, 2% v “” p c g pc

pc fc v, 1% v “” p c g gc v.


s o u r c e :





69%

$1

3,

77

0

$ 5

,

0 4

9

2010


2 0 1 0 a n n u a l s u r V e y

sect ion

Pc

Dg B

9




9

144


p r e S C r i p t i o n D r u g B e n e f i t S

almosT al l covered workers have coverage for prescripTion drugs. more Than Three in four covered

workers are in plans wiTh Three or more cosT-sharing Tiers for prescripTion drugs. copaymenTs raTher

Than coinsurance conTinue To be The dominanT form of cosT sharing for prescripTion drugs.

A , (99%) cd wk

-d c

dg b.

A g j cd wk (89%) 2010

d c-g c

dg (Exb 9.1). C-g g

cd w cg dg

d dg , wc c

dg gc, d, d. O

, cg b

cd dg c g, wc

b d dg x bgc.

S-g c cd wk

d w , ,

c g c dg,

cg (Exb 9.1).

HDHP/SO d c-g

c dg .

O 53% cd wk HDHP/SO

w c g

c dg. T c

100% c c c

ddcb (Exb 9.2).

Ag wk cd b w

c g c dg, g

j c c cc

(Exb 9.3). T cg d g c

dg bc c

dg d cc dg .

F cd wk w , ,

c g c dg, g dg c - dg

($11) w c w d

($10). T g c d

cd- dg ($28), d d- dg

($49) w g g

d 2009 (Exb 9.4).

F cd wk w , ,

c g c dg

w c cc c,

cc g 17% - dg,

25% cd- dg, d 38% d-

dg, wc cg

d (Exb 9.4).

T c cd wk

c g

c dg (Exb 9.1). F cd

wk w c-g , 46%

c c - dg d 24%

c cc (Exb 9.3).

T g c - dg

$89 d g cc 36%. T

c d

d 2009 (Exb 9.4).

E c cd wk

w c dg c g

(Exb 9.1). S wk w

c-g , c

c cc wk w

w (Exb 9.5). T g c

$10, d g c

cd $28 (Exb 9.6). T g

cc cd 27%;

w c d cc

(Exb 9.6).

F c cd wk cd b

wc c g gd

dg c (Exb 9.1). Ag

cd wk, 51% c d 39%

cc (Exb 9.7). Uk

, cd wk HDHP/SO w

c g gd dg w

k c cc c

(84% . 12%) c (Exb 9.7).

F wk w c g

gd dg, g

c $13 d g cc

24% (Exb 9.8).




145


Geec : A dg dc gcd b c d b

dcd d/ dbd b dg

c.

Peee : Dg cdd

d dg ; x, bd- dg

w gc b.

Npeee : Dg cdd

d dg ; x,

bd- dg w gc b.

Fth-te : Nw c-gg c bd dd

g c cc

cc dd dg, c

dg bgc.

B-e : G, dg dc

cd b d cd d d

xc b . C-cg cc

cc, wg dd k dg.

A x, c dc

dg dc, b bd dk

w g c’ dc.



9


146


0% 20% 40% 60% 80% 100%

2000

2010*

2009*

2008*

2007‡

2006

2005*

2004‡

2003*

2002*

2001*

FOUR OR MORE TIERS

THREE TIERS

TWO TIERS

PAYMENT IS THE SAME

REGARDLESS OF TYPE OF DRUG

NO COST SHARING AFTER

DEDUCTIBLE IS MET

OTHER

27% 49% 2%

1%

1%

2%

1%

2%

2%

1%

1%

22%

41% 41% 18%

55% 30% 13%

63% 23% 13%

65% 20% 10%

70% 15% 8%

69% 16% 8%

68% 16% 6%

70%

3%

4%

5%

7%

7% 15% 4%

1%65%13% 11% 4%5%

3%67%11% 12% 3%5%

2%

3%

e x h i B i t 9 . 1

d b Cv W cg d Csg Pcp dg

B , 2000–2010

* db c b pv w (p<.05).

‡

n c cc bw 2003 2004 bw 2006 2007 w cg.

n: g cg w b p 2004.


s o u r c e :





9


148


tT D, otn Cad gnc D Cpo

Cco

e

Cp

Cc‡

P P

e C

a a

dcb

a m

s

o

a

hmo* 91% 2% 2% 1% 4%

PPo 84 8 4 1 2

Pos* 95 1 1 2 1

hdhP/so* 71 20 3 4 2

All plANs 84% 8% 4% 1% 3%

scndT D, otn Cad pd

D

Cp

Cc

P a

dc§

hmo* 79% 9% 3% 0% 10%

PPo 72 13 9 <1 7

Pos* 96 1 2 0 1

hdhP/so* 64 16 16 0 4

All plANs 72% 12% 9% <1% 7%

TdT D, otn Cad Nnd

D

hmo* 77% 10% 3% 0% 10%

PPo 68 14 10 <1 8Pos* 93 3 2 <1 1

hdhP/so* 60 18 16 2 4

All plANs 69% 14% 9% <1% 8%

tT D

hmo* 72% 16% 2% 2% 7%

PPo 42 29 2 1 27

Pos* 33 8 2 0 57

hdhP/so* 40 42 0 0 18

All plANs 46% 24% 2% 1% 26%

e x h i B i t 9 . 3

ag W w t, , m t C sg, d b Cv W

w wg tp C sg Pcp dg, b dg P tp, 2010

* db c a P b w g p (p<.05).

‡ Cg c w q p g cp cc p.

§ Cg c w w p cp cc p c bw c pcp c

cpb gc g.

n: t b c 1% cv w w p p “ bv” v q

b p pcp g cg . Gc, P, np, t dg,

t B c sc 9.


s o u r c e :




149


* e c pv w (p<.05).

^ g cp cc w b p 2004.

nsd: n sfc d.


s o u r c e :

e x h i B i t 9 . 4

ag Cv W w t, , m t Pcp C sg, avg

Cp avg Cc, 2000–2010

2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010

Aa Cant

t dg, o C Gc $8 $8 $9 $9* $10* $10 $11* $11 $10 $10 $11

sct dg, o C P $15 $16* $18* $20* $22* $23* $25* $25 $26 $27 $28*

tt dg, o C np $29 $28 $32* $35* $38* $40* $43* $43 $46* $46 $49*

t dg ^ ^ ^ ^ $59 $74 $59 $71* $75 $85 $89

Aa Cnanc

t dg, o C G c 18% 18% 18% 18% 18% 19% 19% 21% 21% 20% 17%

sct dg, o C P nsd 23% 24% 23% 25% 27% 26% 26% 25% 26% 25%

tt dg, o C np 28% 33% 40% 34%* 34% 38% 38% 40% 38% 37% 38%

t dg ^ ^ ^ ^ 30% 43%* 42% 36% 28% 31% 36%



9


150


e x h i B i t 9 . 5

ag W w tw t C sg Pcp dg, db Cv W

w wg tp C sg Pcp dg, b dg P tp, 2010

* db c a P b w g p (p<.05).


§ Cg c w w p cp cc p c bw c pcp

c cpb gc g.

nsd: n sfc d.

n: t b c 1% cv w w p p “ bv”

v q b p pcp g cg . Gc P dg,

t B c sc 9.


s o u r c e :

tT D, otn Cad gnc D Cpo

Cco

eCp

Cc‡

P P

e Ca a

dcb

a m

so

a

hmo* 98% 2% <1% 0% 1%

PPo 85 7 5 3 1

Pos nsd nsd nsd nsd nsd

hdhP/so nsd nsd nsd nsd nsd

All plANs 88% 6% 3% 2% 1%

scndT D, otn Cad pd

DCp

o

Cc

o

e

Cp

Cc‡

Cp

Cc

P

dc§

s

o

a

hmo* 88% 11% <1% 0% 1%

PPo* 47 21 9 0 23

Pos nsd nsd nsd nsd nsd

hdhP/so nsd nsd nsd nsd nsd

All plANs 62% 18% 6% 0% 15%




151


e x h i B i t 9 . 7

ag W w s C sg rg tp dg, db Cv

W w wg tp C sg Pcp dg, b P tp, 2010

* db c a P b (p<.05).


nsd: n sfc d.n: t b c 1% cv w w p p “ bv” v q

b p pcp g c g .


s o u r c e :

Cp

o

Cc

o

e

Cp

Cc‡

s

o a

hmo* 87% 9% 0% 4%PPo* 23 61 1 15

Pos nsd nsd nsd nsd

hdhP/so* 12 84 0 4

All plANs 51% 39% <1% 9%

* e c pv w (p<.05).nsd: n sfc d.


s o u r c e :

e x h i B i t 9 . 6

ag Cv W w tw t Pcp C sg, avg Cp avg

Cc, 2000–2010

2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010

Aa Cant

t dg, o C Gc $7 $8* $9* $9 $10 $10 $11 $10 $11 $10 $10

sct dg, o C P $14 $15* $18* $20* $22* $22 $23 $23 $24 $26 $28

Aa Cnanc

t dg, o C G c 19% 17% 20% 21% 17% 16% 22% 21% 19% nsd nsd

sct dg, o C P 28% 25% 25% 28% 25% 24% 27% 28% 32% 28% 27%



9


152


* e c pv w (p<.05).


s o u r c e :

e x h i B i t 9 . 8

ag Cv W w s C sg rg tp dg, avg Cp

avg Cc, 2000–2010

2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010

Aa Cant $8 $10* $10 $10 $14* $10* $13* $13 $15 $15 $13

Aa Cnanc 22% 20% 23% 22% 25% 23% 23% 22% 24% 22% 24%



69%

$1

3,

77

0

$ 5

,

0 4

9

2010


2 0 1 0 a n n u a l s u r V e y

sect ion

P

Fdg

10




10

154


p l a n f u n D i n g

The employee reTiremenT income securiTy acT (erisa) of 1974 exempTs self-funded plans from sTaTe

insurance laws , including reserve requiremenTs, mandaTed benefiTs , premium Taxes, an d consumer

proTecTion regulaTions . ove r on e half (59%) of covered workers ar e in a self-funded healTh plan.

because larger firms have more employees over whom To spread The risk of cosTly claims, self funding is

more common an d less risky for larger firms Than for smaller ones.

Sg (59%) cd wk

-dd (Exb 10.1). T

cg cd wk w

c -dd d

b w , b cd

44% 1999.

B , 67% cd wk PPO,

61% HDHP/SO, 61% c

, 41% HMO, d 32% POS

-dd (Exb 10.2).

A xcd, cd wk g (200

wk) k b -dd

wk (3–199 wk)

(83% . 16%) (Exb 10.3). T cg

cd wk -dd c

b c.

Eg c cd wk w1,000 4,999 wk d 93% cd

wk w 5,000 wk

-dd 2010 (Exb 10.3).

Sel-Fe Pl: A c g

wc dc c

b c ’ dc

c. E g -dd

c cc w d- d d d c

-dd . I c,

b - cg

c g g c.

Fll Ie Pl: A c g

wc cc w

c b c

’ dc c.




155


* e c pv w (p<.05).

n: d cg v q, g w w cv p 2006.

t, cv p g c b 2006. s i p, c sc 10.


s o u r c e :

* e c pv w (p<.05).

^ i w b cv p 2006 hdhP/so p p 2006.

n: d cg v q, g w w cv p 2006.

t, cv p g c b 2006. s

i p, c sc 10.


s o u r c e :

e x h i B i t 1 0 . 1

Pcg Cv W P Cp s P, b sz, 1999–2010

e x h i B i t 1 0 . 2

Pcg Cv W P Cp s P, b P tp, 1999–2010

1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010

3–199 W 13% 15% 17% 13% 10% 10% 13% 13% 12% 12% 15% 16%200–999 W 51 53 52 48 50 50 53 53 53 47 48 58*

1,000–4,999 W 62 69 66 67 71 78 78 77 76 76 80 80

5,000 m W 62 72 70 72 79 80 82 89 86 89 88 93

All irms 44% 49% 49% 49% 52% 54% 54% 55% 55% 55% 57% 59%

1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010

Cv 65% 64% 65% 58% 49% 43% 53% ^ 53% 47% 48% 61%

hmo 16 23* 31* 27 29 29 32 33 34 40 40 41

PPo 60 63 61 61 61 64 65 63 65 64 67 67

Pos 42 45 42 40 44 46 36 32 34 29 25 32

hdhP/so ^ ^ ^ ^ ^ ^ ^ 50 41 35 48* 61*

All plANs 44% 49% 49% 49% 52% 54% 54% 55% 55% 55% 57% 59%




156


10

* e c c z, g, cg (p<.05).

n: s i p, c sc 10.


s o u r c e :

exhiBit 1 0 .3

Pcg Cv W P Cp s P , b sz, rg,

i , 2010

s

(ep B s a c r)

irm size

200–999 W 58%

1,000–4,999 W 80*

5,000 m W 93*

A sa (3–199 W) 16%*

A la (200 m W) 83%*

regioN

n 58%

mw 66*

s 60

W 53

iNDusTry

agc/mg/Cc 35%*

mcg 71*

tp/Cc/u 72*

W 66

r 63

c 63

svc 53*

s/lc Gv 66

h C 56

All irms 59%




157


e x h i B i t 1 0 . 4

Pcg Cv W P Cp s P, b P tp

sz, 2010

* e c c z cg w p p (p<.05).

n: s i p, c sc 10.

nsd: n sfc d.


s o u r c e :


3–199 W nsd 9%* 18%* 9* 24%*

200–999 W nsd 23* 69 53 53

1,000–4,999 W nsd 59* 85* 60* 88*

5,000 m W nsd 65* 96* 85* 99*

All irms 61% 41% 67% 32% 61%

* e c pv w (p<.05).

n: s i p, c sc 10.


s o u r c e :

e x h i B i t 1 0 . 5

Pcg Cv W P Cp s hmo P, b sz,

1999–2010

1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010

3–199 W 5% 4% 14% 10% 5% 4% 10% 3% 1% 10% 6% 9%

200–999 W 14 13 23 16 21 18 17 29 19 22 26 23

1,000–4,999 W 22 27 32 31 37 49 50 54 44 48 50 59

5,000 m W 19 35* 40 38 44 40 44 47 58 66 61 65

All hmo plANs 16% 23%* 31%* 27% 29% 29% 32% 33% 34% 40% 40% 41%




158


10

* e c pv w (p<.05).

n: s i p, c sc 10.


s o u r c e :

* e c pv w (p<.05).

n: s i p, c sc 10.


s o u r c e :

exhiBit 1 0 .6

Pcg Cv W P Cp s PPo P , b sz,

1999–2010

exhiBit 1 0 .7

Pcg Cv W P Cp s Pos P , b sz,

1999–2010

1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010

3–199 W 19% 23% 23% 15% 13% 13% 18% 19% 17% 15% 21% 18%

200–999 W 69 72 66 63 60 63 67 61 65 55 55 69*

1,000–4,999 W 84 89 87 83 85 88 88 85 87 85 87 85

5,000 m W 87 88 87 93 93 93 95 97 90* 94 93 96

All ppo plANs 60% 63% 61% 61% 61% 64% 65% 63% 65% 64% 67% 67%

1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010

3–199 W 10% 10% 10% 10% 8% 9% 9% 6% 14% 9% 5% 9%200–999 W 35 39 40 21* 42* 42 31 36 33 20 39 53

1,000–4,999 W 62 71 60 67 73 63 48 62 47 52 53 60

5,000 m W 75 77 76 67 71 77 74 80 89 65 76 85

All pos plANs 42% 45% 42% 40% 44% 46% 36% 32% 34% 29% 25% 32%




159


* e c pv w (p<.05).

n: i g hdhP/so w cc p 2006. s i p, c sc 10.


s o u r c e :

e x h i B i t 1 0 . 8

Pcg Cv W P Cp s hdhP/so, b sz,

2006–2010

2006 2007 2008 2009 2010

3–199 W 7% 4% 7% 18% 24%

200–999 W 57 27 48 36 53

1,000–4,999 W 81 86 72 81 88

5,000 m W 100 97 91 96 99

All hDhp/so 50% 41% 35% 48%* 61%*








l

11

162


r e t i r e e h e a l t h B e n e f i t S

reTiree healTh benefiTs are an imporTanT consideraTion for older workers making decisions abouT Their

reTiremenT. healTh benefiTs for reTirees also provide an imporTanT supplemenT To medicare for reTirees

ag e 65 or older. among firms offering healTh benefiTs To Their workers , large firms (200 or more

workers) are much more likely Than small firms (3–199 workers) To offer reTiree healTh benefiTs. afTer

falling dramaTically in Th e laTe 1980s an d early 1990s, Th e percenTage of large firms (200 or more

workers) offering reTiree healTh benefiTs has remained relaTively consTanT.

w-g c g (200

wk) b

cg 2010,

30% 2009, b dw 34% 2005 d66% 1988 (Exb 11.1).1

Og b cdb

b ccc.

Lg c k

b —28% . 3%

(Exb 11.2).

Ag g b,

d c g k

(87%) g d

b. I c, g

c d k

(17%) b w

cd g d

(Exb 11.2).

Lg w w - wk (

35% wk ) k

b g w

- wk (35% wk )—30% . 17% (Exb 11.3).

Lg w wk k

b g w

wk—41% . 21% (Exb 11.3).

Lg w d wk (35%

g 50 d) k

b g w w

d wk ( 35% g 50

d)—34% . 25% (Exb 11.3).

Ag g b,

g b

d g 65 (93%).

A w cg (75%) g g

b Mdc-g

(Exb 11.4).

1 W w c 0.46% g c cvg b v g

b. hc b v b cc cpb.

n o T e :




163


1988 1991 1993 1995 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 201020092008

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

66%

46%

36%4 0% 4 0% 41%

35%39%

36%38% 37%

34% 35% 34%

28%30%31%

e x h i B i t 1 1 . 1

ag a lg (200 m W) o g h B acv W ,

Pcg o g r h B , 1988–20 10*

* t c c pv w (p<.05). n c cc

p 1999.

n: d v b c 1% g w p “, b ” p 2010.

hc b v b cc cpb.

k/hret sv epsp h B, 1999–2010; kPmG sv epsp

h B, 1991, 1993, 1995, 1998; t h ic ac ac (hiaa), 1988.

s o u r c e :



l

11


164


exhiBit 1 1 .2

ag og h B acv W, Pcg og r h

B, b sz, rg, i, 2010

* e c w s lg cg c

z, g, cg (p<.05).

nsd: n sfc d.


s o u r c e :

a s

(3–199 W)

a lg

(200 m W)

irm size

3–199 W 3% —

200–999 W — 22%*

1,000–4,999 W — 39*

5,000 m W — 48*

regioN

n 2% 32%

mw 5 25

s 3 28

W 2 27

iNDusTry

agc/mg/Cc 1%* 30%

mcg 6 24

tp/Cc/u nsd 34

W 10 30

r 0* 16

c 10 40

svc 2 24

s/lc Gv nsd 87*

h C <1* 17*

All irms 3% 28%




165


e x h i B i t 1 1 . 3

ag a lg (200 m W) o g h B acv W ,

Pcg o g r h B , b Cc c , 201 0





MANY WORKERS ARE LOWERWAGE

35% OR MORE EARN $23,000 A YEAR OR LESS





WAGE LEVEL

PARTTIME WORKERS*

UNIONS*

35% OR MORE WORKERS ARE 50 OR OLDER

LESS THAN 35% OF WORKERS ARE 50 OR OLDER

OLDER WORKERS*

35% OR MORE WORKERS ARE 26 OR YOUNGER

LESS THAN 35% OF WORKERS ARE 26 OR YOUNGER

YOUNGER WORKERS*

0% 10% 20% 30% 40% 50%

22%

29%

17%

30%

21%

29%

20%

25%

34%

41%

* e c c w cg (p<.05).


s o u r c e :



l

11


166


O FF ER H EA LT H B EN EF IT S T O E AR LY R ET IR EE S O FF ER H EA LT H B EN EF IT S T O M ED IC AR E AG E R ET IR EE S

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%93%

89%

98%* 96%93%

96% 94% 94%92% 92%93%

75%71%

73%76%

78%75%

81%77%

71%75%

68%

2 00 0 2 00 1 2 00 2 2 00 3 2 00 4 2 00 5 2 00 6 2 00 7 2 00 8 2 00 9 2 01 0 2 00 0 2 00 1 2 00 2 2 00 3 2 00 4 2 00 5 2 00 6 2 00 7 2 00 8 2 01 02009

exhiBit 1 1 .4

ag a lg (200 m W) o g h B acv W

og r Cvg, Pcg o g h B e mc

ag r , 2000–2010

* e c pv w (p<.05).

e r: W g b g 65.


s o u r c e :




167


e x h i B i t 1 1 . 5

ag a lg (200 m W) og h B acv W og

r Cvg, Pcg og r h B e mcag

r, b sz, rg, i, 2010

* e c g c z, g, cg (p<.05).

e r: W g b g 65.

nsd: n sfc d.


s o u r c e :

Pcg lgep og

r h B

e r

Pcg lgep og

r h B

mcag r

irm size

200–999 W 92% 72%

1,000–4,999 W 93 81

5,000 m W 93 76

regioN

n 91% 77%

mw 97* 76

s 91 71W 93 79

iNDusTry

agc/mg/Cc nsd nsd

mcg 93% 71%

tp/Cc/u 100* 75

W nsd nsd

r nsd nsd

c 88 77

svc 96 72

s/lc Gv 98* 76

h C nsd nsd

All lArge irms (200 m W) 93% 75%





69%

$1

3,

77

0

$ 5

,

0 4

9

2010


2 0 1 0 a n n u a l s u r V e y

sect ion

12

W Pg,

H Rk A, d

D Mg

Pg






171


4 l 1% p “d’ kw” w p g w pg.

5 sv pc p “d’ kw” w g w pg cv pvg

p. s pc “d’ kw” w w pg cv cg

c c.

n o T e :

Ag w c c

w, g (200 wk) k c c

(3–199 wk) cdg

(10% . 1%) ,

g g-ddcb w g

, g cc cb (7% .

1%) (Exb 12.4).

F d c

c d k d

dd d cg c w

g.

N c g b

d w g d

dd d cg c

w g, dw 20% 2009.

Ab 8% c

d dd d cg w

c, c 15%

d 2009 (Exb 12.5).

Lg (200 wk) k

(3–199 wk)

c cg w

c. F- c g

(200 wk) g b

d w b cg

c w g, cd

6% (3–199 wk). T-

c g g b d

w b c d dd

d cg c w, cd

6% (Exb 12.5).

Ag g b d w

g, 20%

g w g

d dc b.

F-x c g

b d w g b w

. Lg k

dcg c c (28% . 4%)

g d dcgb (34% . 19%) w

g w (Exb 12.6).4

Ag g HDHP/SO d w

b, 8% dc

w g w d dc

g-ddcb .

Ag g b d w

g, j (59%) k

g w g c g

’ . Ag

g cg d w

g, 44% k g w

g c dcg ’

c c. Lg k

k g w g c

g (81% . 57%) dcg

c c (69% . 42%) (Exb 12.7).5

h e A l T h r i s k A s s e s s m e N T s

S g

cg k d

k. H k

g cd q b dc ,

, d .

O, 11% g b

k , wc

c 16% d

. F- c g (200

wk) d , cd 10%

(3–199 wk) (Exb 12.8).

O (53%) k

d d

dd d cg c

w g. Sx- c g

k cg

c w g, cd 48% (Exb 12.8).




l

12

172


S c c cg

c k .

O g c

k , 22% c

c w c

k , w g (200

wk) k (3–199

wk) d (36% . 19%) (Exb 12.8).

T kd d

g c c b cc

c . Ag

d g c c

w c k ,

39% d g cd,

, cd, c; 14%

d

; 8% d

ddcb; d 1% d

w cc (Exb 12.9).

w- c g

, cd 8%

(Exb 12.9).6

D i s e A s e m A N A g e m e N T

D g g

d dc c cd w

w cc b cg b

d, ggg , d

g c d c.

T w g

cd d g

g 31% 2010, 26%

d 2008, q w

kd. T cg g (200

wk) cd d g

w g cd

59% 2008 67% 2010. Lg (200

wk) k

(3–199 wk) d g

g (67% . 30%). cg

c, 2% c

c w c d

g g (Exb 12.10).

6 t , w c cv p w cp

pv g c, v, c, c, w 2009, q w g

, cg w p c cv.

n o T e s :




173


e x h i B i t 1 2 . 1

ag og h B, Pcg og Pc W Pg t

ep, b sz, rg, i, 2010

* e c w p w pg c z,g, cg (p<.05).

n: t p w pg p eb 12.2.


s o u r c e :

G

mbpdc

os

ec

c

sg

C

Pg

Wbbrc

h

lvg

W

nw

P

h

Ccg

irm size

3–24 W 27% 19%* 49% 42% 8%*

25–199 W 35 35* 52 46 20*

200–999 W 59* 57* 78* 59* 40*

1,000–4,999 W 71* 66* 84* 58* 44*

5,000 m W 77* 76* 92* 64* 56*

A sa (3–199 W) 29%* 23%* 49%* 43%* 11%*

A la (200 m W) 63%* 60%* 80%* 60%* 42%*

regioN

n 58%* 46%* 56% 62%* 11%

mw 29 22 46 27* 16

s 22 14* 59 44 10

W 15* 19 37 40 12

iNDusTry

agc/mg/Cc 5%* 8%* 37% 28% 6%

mcg 30 34 59 38 20

tp/Cc/u 33 30 73 29 23

W 38 29 43 47 18r 5* 10* 17* 12* 6

c 27 24 49 71* 28

svc 39 24 52 46 10

s/lc Gv 14 12 86* 81* 7

h C 39 45 70 65 7

All irms 30% 24% 51% 44% 12%



l

12


174


exhiBit 1 2 .2

ag og h B, Pcg og Pc W Pg t

ep, b sz, rg, i, 2010

* e c w p w pg c z,

g, cg (p<.05).

‡ ic wg w pg: wg pg, g bp c c c,

g c pg, p ccg, c vg, wbb c

vg, w w. rp w gv p p p

w b. i p “” c pcg g w

b, pcg 76%.

n: t p w pg p eb 12.1.


s o u r c e :

Wg lPg

C

n/h lvg

o l

o spcW

Pg‡

o WPg

irm size

3–24 W 27% 22% 74% 5%*

25–199 W 33 24 72 20*

200–999 W 49* 44* 91* 29*

1,000–4,999 W 61* 52* 96* 36*

5,000 m W 66* 57* 98* 47*

A sa (3–199 W) 29%* 23%* 74%* 8%*

A la (200 m W) 53%* 47%* 92%* 32%*

regioNn 50%* 38% 78% 14%

mw 18 27 69 6

s 20 13* 82 7

W 33 22 65 7

iNDusTry

agc/mg/Cc 10%* 6%* 55% 19%

mcg 26 23 76 12

tp/Cc/u 28 26 91* 8

W 36 27 65 8

r 32 31 68 3*

c 27 30 90* 16svc 31 22 75 5

s/lc Gv 10* 7* 93* 8

h C 45 43 86 11

All irms 29% 24% 74% 9%




175


e x h i B i t 1 2 . 3

ag og h B, Pcg w wg W

B, b sz rg, 2010

* e c c z g (p<.05).

n: t v g w pg w b pv b

p b .


s o u r c e :

W B o

sp dp

m W B

a Pv B h P

irm size

3–24 W 45% 89%

25–199 W 56 86

200–999 W 66* 69*

1,000–4,999 W 67* 65*

5,000 m W 79* 57*

A sa (3–199 W) 47%* 88%*

A la (200 m W) 68%* 67%*

regioN

n 52% 95%

mw 42 78

s 53 83

W 40 94

All irms 48% 87%



l

12


176


exhiBit 1 2 .4

ag og h W B, Pcg t o spcc icv

ep W Pcp W Pg, b sz rg, 2010

* e c w p cv c z g (p<.05).

‡ o hdhP/hra hsaq hdhP w pcpg p cv g cb

cv pcp w pg.

nsd: n sfc d.


s o u r c e :

W

P sPcg

P

W

hv s

dcb

W

rcv hghra hsa

Cb‡

W

rcv G

C, tv,

mc,

C

irm size

3–24 W 0%* 1% nsd 5%*

25–199 W 2 0 2% 16*

200–999 W 8* 2 5 21*

1,000–4,999 W 15* 4* 5 27*

5,000 m W 13* 2 16* 28*

A sa (3–199 W) 1%* <1%* 1%* 7%*

A la (200 m W) 10%* 2%* 7%* 23%*

regioN

n <1%* 1% 1% 9%

mw 2 <1 2 8

s 1 1 5 9

W 1 <1 <1* 7

All irms 1% 1% 2% 8%




177


e x h i B i t 1 2 . 5

ag og h B W Pg, Pcg t u spcc m

i iv ecg Pcp W Pg, b sz, rg,

i, 2010

* e c c z, g, cg (p<.05).

‡ a ’ cg pcp w w p

p . a c q b c , ,

, g p bg .

nsd: n sfc d.


s o u r c e :

h u C i

h r

h r a‡

irm size

3–24 W 3%* 4%* nsd

25–199 W 13 12 49%

200–999 W 48* 30* 67

1,000–4,999 W 52* 47* 67

5,000 m W 66* 59* 80*

A sa (3–199 W) 6%* 6%* 48%*

A la (200 m W) 51%* 37%* 69%*

regioNn 8% 5% 64%

mw 6 15 55

s 11 8 52

W 9 6 44

iNDusTry

agc/mg/Cc 3%* 7% nsd

mcg 10 9 62%

tp/Cc/u 24 13 45

W 6 28 38

r 2* 2* 31

c 11 20 41svc 8 5 61

s/lc Gv 27* 15 52

h C 11 5 71

All irms 9% 8% 53%



l

12


178


IMPROVE THE HEALTH

OF EMPLOYEES/REDUCEABSENTEEISM*

REDUCE HEALTH

CARE COSTS*

IMPROVE EMPLOYEE

MORALE ANDPRODUCTIVITY

PART OF THE HEALTH

PLAN*

OTHER*

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

19%

34%

20%

4%

28%

6%

11%

5%

10%

59%

19%

56%

6%

13%

6%

ALL SMALL FIRMS (3–199 WORKERS)

ALL LARGE FIRMS (200 OR MORE WORKERS)

ALL FIRMS

exhiBit 1 2 .6

ag og h B W Pg, Pcg rpg

wg ’ P r og W Pg, b sz, 2010

exhiBit 1 2 .7

ag og h B W Pg, Pcg t t og

W Pg ecv i pvg h rcg C, 2010

* e c c z cg (p<.05).

n: sv pc p “d’ kw” w g w pg cv pvg

p. s pc “d’ kw” w w pg cv cg ’

c c.


s o u r c e :

ecv ipvg

h ep

ecv rcg

' h C C

irm size

3–24 W 53% 37%*

25–199 W 70 57

200–999 W 81* 70*

1,000–4,999 W 79* 65*

5,000 m W 79* 74*

A sa (3–199 W) 57%* 42%*A la (200 m W) 81%* 69%*

All irms 59% 44%

* e c bw a s a lg

w cg (p<.05).

n: l 1% pc p “d’ kw” q b p g w.


s o u r c e :




179


e x h i B i t 1 2 . 8

ag o g h B , Pcg t o ep h r

a , o icv Cp a , u a ic

W Pcp, b sz rg, 2010

* e c c z g (p<.05).

‡ ag g p p cp .

n: a c q b c , , , g

p bg .

nsd: n sfc d.


s o u r c e :

o ep

op

Cp h

r a

o cicv

ep W

Cp

a‡

u h r

a

ic W

Pcp‡

irm size

3–24 W 6%* nsd nsd

25–199 W 23* 17% 49%

200–999 W 50* 30 67

1,000–4,999 W 60* 44* 67

5,000 m W 79* 49* 80*

A sa (3–199 W) 10%* 19%* 48%*

A la (200 m W) 55%* 36%* 69%*

regioN

n 11% 35% 64%

mw 7 33 55

s 15 15 52

W 11 16 44

All irms 11% 22% 53%



l

12


180


exhiBit 1 2 .9

ag og c icv h r a, Pcg t o

wg icv Cp a, b sz rg, 2010

* e c c z g (p<.05).

n: a c q b c , , , g

p bg .


s o u r c e :

W P

s

Pcg

P

W

hv sdcb

W

hv lwCc

W rcv

G C, tv,

mc,

C

irm size

200–999 W 19% 10% 8% 59%

1,000–4,999 W 39* 7 2 49

5,000 m W 41* 6 2 48

A sa (3–199 W) 8%* 7% 0% 33%

A la (200 m W) 29%* 8% 5% 54%

regioN

n 6% 2% 2% 17%*

mw 38* 4 3 49

s 12 20 <1 46

W 5 1 0 62

A 14% 8% 1% 39%

exhiBit 1 2 .1 0

ag og h B, Pcg t o d mg Pg

t P w lg e Pcg w d mg og

c icv Pcp, b sz, 2010

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

30%

67%

31%

1%7%

2%

PLAN INCLUDES

A DISEASE MANAGEMENT PROGRAM*

FIRM OFFERS FINANCIAL INCENTIVES TO PARTICIPATE

IN A DISEASE MANAGEMENT PROGRAM*‡

ALL SMALL FIRMS (3–199 WORKERS)

ALL LARGE FIRMS (200 OR MORE WORKERS)

ALL FIRMS

* e c bw a s a lg w

cg (p<.05).

‡ ag g b g pg

p w g .


s o u r c e :




181


exhiBit 1 2 .1 1

ag og h B t hv d mg Pg t P w

lg e, Pcg w Pc Pg, b sz, rg, i, 2010

* e c c z, g, cg (p<.05).

n: t p g pg p eb 12.12. t v

g pg pg pv c c c w

pp w cc b cg p b c , ggg p, g

pc c.


s o u r c e :

db a hp hg C

irm size

a s (3–199 W) 100%* 92% 88% 83%

a lg (200 m W) 98%* 89% 90% 83%

regioN

n 100% 98% 96% 89%

mw 100 93 92 87

s 100 84 74 72

W 100 94 96 88

iNDusTry

agc/mg/Cc 100% 97% 54% 57%

mcg 100 95 89 90tp/Cc/

u100 83 93 80

W 100 98 96 94

r 100 98 98* 76

c 100 99 91 73

svc 100 95 95 92

s/lc Gv 100 34* 31* 30*

h C 100 99 98* 96*

A 100% 92% 88% 83%



l

12


182


exhiBit 1 2 .1 2

ag o g h B t hv d mg Pg t P

w lg e , Pcg w Pc Pg, b sz, rg,

i , 2010

* e c c z, g, cg (p<.05).

n: t p g pg p eb 12.11. t v

g pg pg pv c c c w

pp w cc b cg p b c , ggg p, g

pc c. t p q w bc p p

g pg g, 27% 21%, pcv. s sv dg m sc

p.


s o u r c e :

lw Bc P dp ob

irm size

a s (3–199 W) 46% 68% 70%

a lg (200 m W) 48% 59% 63%

regioN

n 49% 75% 83%

mw 63 66 77

s 31 67 48*

W 54 55 71

iNDusTry

agc/mg/Cc 24% 38% 47%mcg 22* 69 75

tp/Cc/u 16* 79 18*

W 71 36* 79

r 82* 38 52

c 55 62 68

svc 67* 80 83

s/lc Gv 29 31 28

h C 24 90* 91*

All irms 46% 68% 69%



69%

$1

3,

77

0

$ 5

,

0 4

9

2010


2 0 1 0 a n n u a l s u r V e y

sect ion

E

O d

H P

Pcc

13




h

13

184


e M p l o y e r o p i n i o n S a n D h e a l t h p l a n p r a C t i C e S

employers play a significanT role in healTh insurance coverage—sponsoring healTh benefiTs for abouT

157 million nonelderly people in america1—so Their opinions an d experiences are imporTanT facTors

in healTh policy discussions . employers were asked how They view differenT approaches To conTaining

cosT increases an d abouT employer healTh plan pracTices , such as changes in response To Th e menTal

healTh pariTy and addicTion equiTy acT , review of qualiTy indicaTors, and wheTher They shopped for (or

swiTched To) a new healTh plan.

e m p l o y e r o p i N i o N s o N C o s T C o N T A i N m e N T

A , cdg d d

b, w kd w c

d g wd b dcg gw c c. Fw

ggd g “ c”

cg c (bw 13% d 25% ,

ddg g). Ab -d

(bw 30% d 36%) c

c w kd b wd b “w

c” cg c gw (Exb 13.1).

Ab q c-

d (25%) d g

(24%) “ c” cg c

c (Exb 13.1). Fw

g c g (13%), g gd c c (16%) wd

b “ c” dcg gw

c c. S (3–199 wk)

k g gd c

c wd b “ c” g

(200 wk) (16% . 9%).

e m p l o y e r ’s r e s p o N s e T o T h e e C o N o m i C

D o W N T u r N

gg cc

dw, c q w cdd

’ b w

dcd b cd cg d dw.

T c dcg

c b cg c g

d 23% cg

cg cc dw. I 2010, cd

2009, g dcg

c b cg c g

(38% 2010 . 22% 2009), cg

cg (36%

2010 . 22% 2009). M g

cg

(36% . 22%)

(Exb 13.2).

F , kd

dwzd dg c cc

dw. Ag g b, 42%

dwzg, w g bg

k dwz (53% .

42%) (Exb 13.2).

m A r k e T T u r N o v e r

W kd c

d w c c w

.

Sx c c

d w c

c (Exb 13.3). Ag

d , 27%

cgd c c d 33% cgd

(Exb 13.4).

1 k , k C mc u, t u: a P, ocb 2009.

n o T e :






h

13

186


p e r o r m A N C e i N D i C A To r s

T kd w

c dc ’ c

cc q.

O, 6% w cdc ’ c cc

q. Lg (200 wk)

k w c dc

(3–199 wk) (34% . 5%)

(Exb 13.8).

Lg w c dc

wg wg

: c d (76%),

NCQA ccd (58%), CAHPS

c c (57%), HEDIS

(33%), d URAC ccd (23%)

(Exb 13.8). W w c

w kd w

c w ’ dc

c , 16% d

“ ” d 34% d “w

.” I c, 18%

d “ d” w

b q,

d dd 56% d “w d”

(Exb 13.9).

T A x - p r e e r r e D h e A l T h s p e N D i N g

F- c b

w -x d

c wb d

Sc 125 I R Cd.

V g (200 wk) d ,

92%, 54% (3–199 wk)

(Exb 13.10).3

Eg c b

xb dg cc (FSA). A FSA

w d d -x

b dc x cd b

c. c, dcd

bgg w c d FSA, d ddc

’ cck . Fd

d FSA b d b d

d b . FSA d

HRA d HSA. Sb dc

x b z: 77% g (200

wk) FSA, cd w j 15%

(3–199 wk) (Exb 13.10).

A N N u A l b e N e i T m A x i m u m s

Fw cd wk w

b w

.

O, 12% cd wk

w x b g

cg (Exb 13.11).

B , 20% cd wk HDHP/

SO, 12% cd wk PPO, 4%

cd wk HMO, d 9% cd

wk POS b

x g cg (Exb 13.11).

C o N T r A C e p T i v e A N D e l e C T i v e

A b o r T i o N C o v e r A g e

T 2010 cdd q b cg

c cc d c

b.

T j (63%)

w g c

c cc, c b

c , c, , , IUD,

dg. Hw, dd 31%

dd “D’ Kw” (Exb 13.12). Mg g c

c cc

(85% . 62%). Lg w k

“D’ Kw” w kd w

g c c cc

(4% . 32%).

T j (71%) dd “D’

Kw” q w w

g c c b,

w dd 9% d c

b cd (Exb 13.12). Lg

k g c c b

(19% . 9%) d k “D’

Kw” (31% . 72%).

3 pc p “ ppcb;” p, p 100% c cvg.

n o T e :




187


e x h i B i t 1 3 . 1

ag B og n og h B, db ’ op

ecv wg sg C h ic C, b sz, 2010

* db c bw a s a lg w cg (p<.05).


s o u r c e :

V

ecv

sw

ecv

n t

ecv

n a a

ecv

d’

kw

Tt manad Ca rtctn*

a s (3–199 W) 16% 32% 23% 21% 8%

a lg (200 m W) 9% 34% 35% 18% 4%

All irms 16% 32% 24% 21% 8%

CnDn hat pan

(e: hDdct pan Cnd

wt a hat san Accnt)

a s (3–199 W) 25% 34% 18% 17% 6%

a lg (200 m W) 21% 38% 22% 16% 3%

All irms 25% 34% 18% 17% 6%

h e Ct san

a s (3–199 W) 13% 30% 25% 27% 5%

a lg (200 m W) 18% 36% 26% 18% 2%

All irms 13% 30% 25% 27% 5%

Da manant pa*

a s (3–199 W) 23% 36% 14% 22% 5%

a lg (200 m W) 31% 40% 21% 6% 3%

All irms 24% 36% 14% 21% 5%




188


h

13

exhiBit 1 3 .2

ag og h B, Pcg t rp t m wg

Cg r ecc dw, b sz rg, 2010

* e c c z g (p<.05).


s o u r c e :

rc scp

h B ic C

sg

ic

W' s P

Cpdwz

irm size

200–999 W 36% 35%* 50%

1,000–4,999 W 42* 38* 59*

5,000 m W 42 43* 62*

A sa (3–199 W) 30% 22%* 42%*

A la (200 m W) 38% 36%* 53%*

regioN

n 36% 26% 40%

mw 32 13* 48

s 28 34 44

W 26 14 36

All irms 30% 23% 42%




189


e x h i B i t 1 3 . 3

Pcg og h B t spp nw P h ic C

P y, b sz, 2010

3199

WORKERS

200999

WORKERS

1,0004,999

WORKERS*

5,000 OR

MORE

WORKERS*

ALL FIRMS

0%

20%

40%

60%

80%

100%

60%

56%

40%38%

60%

* e c w cg c z cg (p<.05).


s o u r c e :




190


h

13

0%

5%

10%

15%

20%

25%

30%

35%

40%

45%

50%

CHANGED INSURANCE CARRIER CHANGED HEALTH PLAN TYPE

3199 WORKERS

200999 WORKERS

1,0004,999 WORKERS

5,000 OR MORE WORKERS

ALL FIRMS

28%

33%

22%

34%

27%

34%

21%

28%

33%

18%*

exhiBit 1 3 .4

ag og h B t spp nw P ic C, Pcg

rpg t t Cg ic C / h P tp P y, b sz, 2010

* e c w cg

c z cg (p<.05).


s o u r c e :




191


e x h i B i t 1 3 . 5

ag og m t o h P, Pcg t o c icv

eg lw C P hg Q P, B sz, 2010*

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

OFFER EMPLOYEES INCENTIVE TO ENROLL IN A LOWER COST PLAN OFFER EMPLOYEES INCENTIVE TO ENROLL IN A HIGHER QUALITY PLAN



ALL FIRMS

14%

20%

14%

2% 2%3%

* t c c bw a s a lg

w cg (p<.05).


s o u r c e :




192


h

13

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

HIGHER PERFORMANCE NETWORK/TIERED NETWORK COVER CARE RECEIVED AT A RETAIL CLINIC FINANCIAL INCENTIVE TO USE RETAIL CLINICS*‡



ALL FIRMS

16%18%

16%

43%

48%

43%

4%

16%

5%

exhiBit 1 3 .6

ag o g h B , Pcg w spc c P o g

t P w t lg e , B sz, 2010

* e c bw a s a lg

w cg (p<.05).

‡ ag w p w g cv c cv cc.

n: a g pc w gp pv w b q, c, /

fcc c v. t w cg p v fc c b

cg w fc pv, b vg cp cc

pv w.


s o u r c e :




193


e x h i B i t 1 3 . 7

Pcg ep rpg wg r m h P

ac eq ac 2008, b sz rg, 20 10

Cgm h

B

el

Cvg‡

dppm h

Cvg‡

ic

uzmg

m

h

B‡

o‡

irm size

51–199 W 26%* 61% 7% 18% 20%

200–999 W 35 70 4 13 30

1,000–4,999 W 58* 79* 1 15 24

5,000 m W 71* 85* 1 11 16

A sa (51–199 W) 26%* 61% 7% 18% 20%

A la (200 m W) 43%* 75% 2% 13% 26%

regioN

n 21%* 68% <1% 11% 30%

mw 35 77 1 8 19

s 36 68 1 27* 20

W 29 51 18 11 26

All irms (51 m W) 31% 66% 5% 16% 23%

* e c c z g (p<.05).

‡ ag pg cg b m

h P ac eq ac 2008.

n: a w 50 w.


s o u r c e :




194


h

13

exhiBit 1 3 .8

Pcg t rvw h P Pc ic, b sz, 2010

exhiBit 1 3 .9

ag rpg t t rvw h P Pc ic, db ’

op ic sc w ic, b sz, 2010*

a s

(3199 w)

a lg

(200 m

W)

A

rw panc indcat* 5% 34% 6%

T panc indcat rwd

hedis m* 15% 33% 18%

CahPs a m C sc * 83% 57% 77%

nCQa acc* 31% 58% 36%

uraC acc* 12% 23% 15%

hp oc d* 57% 76% 61%

o 18% 19% 19%

panc ma’ innc n

Dcn t sct t hat pan

pan

V

i

sw

i

n t

i

n a a

i

d’

kw

a s (3–199 W) 16% 32% 30% 17% 5%

a lg (200 m W) 15% 39% 30% 10% 5%

All irms 16% 34% 30% 16% 5%

l satactn wt inatn

Aaa n hat pan Qat

V

s

sw

s

n t

s

n a a

s

d'

kw

a s (3–199 W) 19% 57% 13% 7% 4%

a lg (200 m W) 16% 49% 28% 6% 1%

All irms 18% 56% 16% 7% 3%


n: t pc c w: hedis hc ecv d i s,

CahPs C a hc Pv s, nCQa n C Q

ac, uraC cc cc gz c gz.


s o u r c e :

* t c c bw b a s a lg (p<.05).


s o u r c e :






196


h

13

exhiBit 1 3 .1 1

Pcg Cv W w a m B sg Cvg, b P tp, 2010*

HMO PPO POS HDHP/SO ALL PLANS

0%

20%

40%

60%

80%

100%

4%

12%9%

20%

12%

* t c c bw p p a P (p<.05).


s o u r c e :

exhiBit 1 3 .1 2

Pcg ep w Cvg Pcp Ccpv ecv ab

P w lg e, b sz, 2010

y n d' kw

pctn Cntact

a s (3–199 W)* 62% 6% 32%

a lg (200 m W)* 85 11 4

A 63% 6% 31%

ect Atn

a s (3–199 W)* 9% 19% 72%

a lg (200 m W)* 19 50 31

A 9% 20% 71%

* db c bw a s a lg w cg (p<.05).

n: Pcp ccpv c, p, b c p, pc, p, , iud, pg.


s o u r c e :





Documents

Kaiser Family Fnd 2010 Employer Health Benefits Survey