Exhibit 4.3: Percentage of Covered Workers With the Following Types of Cost Sharing for Health Benefits, 2005
Most workers with employer-sponsored health coverage are required to share the costs of their health insurance premiums and benefits with their employers. In 2005, over three-quarters of workers contributed toward their monthly premiums (91% for family coverage, 79% for single coverage), and higher percentages of workers contributed to cost sharing for office visits (95%), and tiered cost sharing for prescription drugs (89%). Lower percentages faced plan deductibles (56%), separate hospital cost sharing (52%), and separate deductibles for prescription drugs (10%).
‡The percentage of covered workers with a plan deductible is calculated for workers with single coverage. For PPO and POS plans, deductibles are for in-network services.
§Covered workers with separate hospital cost sharing includes those with a hospital deductible or copay, coinsurance, both a coinsurance and a deductible or copay, a charge per day, or an annual deductible.
Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 2005. From Exhibit 7.1, at http://www.kff.org/insurance/7315/sections/ehbs05-7-1.cfm.
