*Estimate is statistically different from the previous year shown at p<.05. No statistical tests were conducted for years prior to 1999.

^Information was not obtained for HMO family coverage prior to 2003, or for PPO and POS family coverage prior to 2005.

Note: Average deductibles for PPO and POS plans are for in-network services. Averages include covered workers who do not have a deductible. If covered workers who do not face a deductible are excluded from the analysis, the average deductibles are higher. The average deductibles for family coverage among covered workers who face a deductible are as follows: conventional - $1,405, HMO - $1,105, PPO - $952, POS - $1,065.

Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 1999-2005; KPMG Survey of Employer-Sponsored Health Benefits, 1996; The Health Insurance Association of America (HIAA), 1988. From Exhibit 7.3, at http://www.kff.org/insurance/7315/sections/ehbs05-7-3.cfm.