Exhibit 4.8: Distribution of Covered Workers Facing HMO Copayments for Physician Office Visits, 1996-2005
Almost all (97%) of covered workers enrolled in HMOs were required to pay copayments for physician office visits in 2005 (
see Exhibit 4.6). The copayment amounts that covered workers face have been increasing in recent years. In 2005, the most common copayment was $15 (34% of covered workers, up from 10% in 1996). A growing number of covered workers face a $20 copayment (27%, up from 1% in 1996). The percentage of covered workers paying $5 per visit decreased from 24% in 1996 to 5% in 2005.