Exhibit 3.2: Average Annual Employer Health Plan Premiums for Covered Workers, by Plan Type and Region, 2005 Premiums vary by region. The South was the least expensive region for family coverage in 2005, driven by the low cost of HMO coverage in this region. The Northeast had the most expensive family premiums as a result of the high rates for PPOs, which dominate the region. | | Annual | | | Single Coverage | Family Coverage | | CONVENTIONAL PLANS | | | Northeast | $3,227 | $8,544 | Midwest | 3,250 | 9,476 | South | 3,955 | 10,420 | West | NSD | NSD | ALL REGIONS | $3,782 | $9,979 | | HMO PLANS | | | Northeast | $3,932 | $10,903 | Midwest | 3,880 | 10,592 | South | 3,950 | 10,754 | West | 3,421* | 9,809 | ALL REGIONS | $3,767 | $10,456 | | PPO PLANS | | | Northeast | $4,313 | $11,938* | Midwest | 4,235 | 11,354 | South | 3,998 | 10,526 | West | 4,177 | 11,012 | ALL REGIONS | $4,150 | $11,090 | | POS PLANS | | | Northeast | $4,105 | $11,528* | Midwest | 3,809 | 10,806 | South | 3,726 | 10,142 | West | 4,059 | 10,958 | ALL REGIONS | $3,914 | $10,801 | | ALL PLANS | | | Northeast | $4,147 | $11,504* | Midwest | 4,103 | 11,115 | South | 3,950 | 10,507* | West | 3,937 | 10,638 | ALL REGIONS | $4,024 | $10,880 |
* Estimate is statistically different from All Regions within a plan type at p<.05.
NSD: Not Sufficient Data Note: Family coverage is defined as health coverage for a family of four. Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 2005. From Exhibit 1.14, at http://www.kff.org/insurance/7315/sections/ehbs05-1-14.cfm. |
