List of Exhibits | Summary of Findings | | Exhibit A: | Increases in Health Insurance Premiums Compared to Other Indicators, 1988-2004 | | Exhibit B: | Average Annual Premiums for Covered Workers, Single and Family Coverage by Plan Type, 2004 | | Exhibit C: | Distribution of Percentage of Premiums Paid by Firms for Covered Workers, by Firm Size, 2004 | | Exhibit D: | Percentage of Premium Paid by Covered Workers for Single and Family Coverage, 1988-2004 | | Exhibit E: | Distribution of Firms Reporting the Use of the Following Contribution Approaches for Health Benefits, 2004 | | Exhibit F: | Average Annual Deductibles for Covered Workers by Plan Type, 1988-2004 | | Exhibit G: | Percentage of Firms Offering Health Benefits, by Firm Size, 1996-2004 | | Exhibit H: | Distribution of Firms Reporting Their Likelihood of Making the Following Changes in the Next Year, by Firm Size, 2004 |  Download a PDF of the Summary of Findings |
| Section 1: Cost of Health Insurance | | Exhibit 1.1: | Percentage Change in Health Insurance Premiums From Previous Year, by Plan Type, 1988-2004 | | Exhibit 1.2: | Increases in Health Insurance Premiums Compared to Other Indicators, 1988-2004 | | Exhibit 1.3: | Percentage Change in Premiums for Covered Workers, by Firm Size, 2004 | | Exhibit 1.4: | Distribution of Premium Increases for Covered Workers, by Firm Size, 2004 | | Exhibit 1.5: | Percentage Change in Premiums, by Firm Size and Plan Type, 2004 | | Exhibit 1.6: | Premium Increases, by Plan Type and Funding Arrangement, 2004 | | Exhibit 1.7: | Premium Increases, by Funding Arrangement, 1998-2004 | | Exhibit 1.8: | Premium Increases, by Firm Size, 1996-2004 | | Exhibit 1.9: | Premium Increases, by Region, 1996-2004 | | Exhibit 1.10: | Premium Increases, by Industry, 1996-2004 | | Exhibit 1.11: | Average Monthly Premiums for Covered Workers, Single and Family Coverage, by Plan Type, 2004 | | Exhibit 1.12: | Distribution of Single and Family Premiums for Covered Workers, 2001-2004 | | Exhibit 1.13: | Monthly and Annual Premiums for Covered Workers in Conventional, HMO, PPO, and POS Plans, by Firm Size, 2004 | | Exhibit 1.14: | Monthly and Annual Premiums for Covered Workers in Conventional, HMO, PPO, and POS Plans, by Region, 2004 | | Exhibit 1.15: | Monthly and Annual Premiums for Covered Workers in Conventional, HMO, PPO, and POS Plans, by Industry, 2004 | | Download a PDF of Section 1 |
| Section 2: Health Benefit Offer Rates | | Exhibit 2.1: | Percentage of All Firms Offering Health Benefits, 1996-2004 | | Exhibit 2.2: | Percentage of Firms Offering Health Benefits, by Firm Size, 1996-2004 | | Exhibit 2.3: | Percentage of All Firms Offering Health Benefits, by Firm Characteristics, 2004 | | Exhibit 2.4: | All Small Firms' (3-199 Workers) Reasons for Not Offering Health Benefits, 2004 | | Exhibit 2.5: | The Percentage of Firms Offering Health Benefits to Part-Time Workers, by Firm Size, 1999-2004 | | Exhibit 2.6: | The Percentage of Firms Offering Health Benefits to Temporary Workers, by Firm Size, 1999-2004 | | Exhibit 2.7: | Percentage of Firms Offering Health Benefits to Nontraditional Partners, by Firm Size and Region, 2004 | | Exhibit 2.8: | Percentage of Firms Offering Health Benefits to Nontraditional Partners Whose Definition of Nontraditional Partners Includes Same Sex or Unmarried Heterosexual Couples, by Firm Size and Region, 2004 | | Download a PDF of Section 2 |
| Section 3: Employee Coverage, Eligibility, and Participation | | Exhibit 3.1: | Percentage of Workers Covered by Their Employer's Health Benefits, in Firms Both Offering and Not Offering Health Benefits, by Firm Size, 2000-2004 | | Exhibit 3.2: | Eligibility, Take-Up Rates, and Coverage in Firms Offering Health Benefits, by Firm Size, Region, and Industry, 2004 | | Exhibit 3.3: | Percentage of Workers in Firms Offering Health Benefits Who Participate in (Take-up) Their Employer's Health Plan, by Firm Size, 1999-2004 | | Exhibit 3.4: | Percentage of Workers in Firms Offering Health Benefits Who Are Covered by Their Employer's Health Plan, by Firm Size, 1989-2004 | | Exhibit 3.5: | Average Waiting Period for New Employees to be Eligible for Health Coverage, 2004 | | Exhibit 3.6: | Average Waiting Period for New Employees to be Eligible for Health Coverage, by Firm Size, Region, and Industry, 2004 | | Download a PDF of Section 3 |
| Section 4: Health Insurance Choice | | Exhibit 4.1: | Percentage of Covered Workers With a Choice of Conventional, HMO, PPO, or POS Plans, 1988-2004 | | Exhibit 4.2: | Percentage of Employers Providing a Choice of Health Plans, by Firm Size, 2004 | | Exhibit 4.3: | Percentage of Covered Workers With a Choice of Health Plans, 1988-2004 | | Exhibit 4.4: | Distribution of Covered Workers With a Choice of Health Plans, by Firm Size, 1996-2004 | | Exhibit 4.5: | Percentage of Covered Workers With a Choice of Health Plans, by Region, 2004 | | Exhibit 4.6: | Distribution of Covered Workers With One or More Plan Options of the Same Plan Type, by Firm Size, 2004 | | Exhibit 4.7: | Distribution of Contribution Policies for Covered Workers Who Are Offered a Choice of Health Plans, by Firm Size, 2004 | | Exhibit 4.8: | Percentage of Firms Offering Employees a High-Deductible Health Plan, by Firm Size, 2003-2004 | | Exhibit 4.9: | Percentage of Firms Reporting Their Familiarity With the Following Types of Health Plans, 2004 | | Exhibit 4.10: | Percentage of Firms That Say They Are "Very Likely" or "Somewhat Likely" to Offer Workers a High-Deductible Plan with a Personal or Health Savings Account Option in the Next Two Years, 2004 | | Download a PDF of Section 4 |
| Section 6: Employee Contributions for Premiums | | Exhibit 6.1: | Average Monthly Worker Contribution for Single and Family Premiums, 1988-2004 | | Exhibit 6.2: | Percentage of Premium Paid by Covered Workers for Single and Family Coverage, 1988-2004 | | Exhibit 6.3: | Average Annual Premiums for Covered Workers, Single and Family Coverage, by Plan Type, 2004 | | Exhibit 6.4: | Average Monthly and Annual Worker Premium Contributions, by Plan Type and Firm Size, 2004 | | Exhibit 6.5: | Average Monthly and Annual Worker Premium Contributions, by Plan Type and Region, 2004 | | Exhibit 6.6: | Monthly Worker Contributions for Single and Family Coverage in Conventional and HMO Plans, 1988-2004 | | Exhibit 6.7: | Monthly Worker Contributions for Single and Family Coverage in PPO and POS Plans, 1988-2004 | | Exhibit 6.8: | Distribution of Percentage of Single Premiums Paid by Firms for Covered Workers, by Firm Size, 2001-2004 | | Exhibit 6.9: | Distribution of Percentage of Family Premiums Paid by Firms for Covered Workers, by Firm Size, 2001-2004 | | Exhibit 6.10: | Percentage of Overall Single and Family Premiums Paid by Firm, by Percentage of Workforce That is Low Wage, 2004 | | Exhibit 6.11: | Percentage of Premium Paid by Firm for Typical Covered Worker, by Plan Type and Firm Size, 2004 | | Exhibit 6.12: | Percentage of Premium Paid by Covered Workers in Conventional and HMO Plans, 1988-2004 | | Exhibit 6.13: | Percentage of Premium Paid by Covered Workers in PPO and POS Plans, 1988-2004 | | Exhibit 6.14: | Percentage of Premium Paid by Firm for Typical Covered Worker, by Plan Type and Region, 2004 | | Exhibit 6.15: | Percentage of Premium Paid by Firm for Typical Covered Worker, by Plan Type and Industry, 2004 | | Download a PDF of Section 6 |
| Section 7: Employee Cost Sharing | | Exhibit 7.1: | Percentage of Covered Workers With the Following Types of Cost Sharing for Health Benefits, 2004 | | Exhibit 7.2: | Average Annual Deductibles for Covered Workers, by Plan Type, 1988-2004 | | Exhibit 7.3: | Average Annual Deductible for Covered Workers, by Plan Type and Firm Size, 2004 | | Exhibit 7.4: | Average Annual Deductible for Covered Workers, by Plan Type and Region, 2004 | | Exhibit 7.5: | Distribution of Covered Workers in Firms That Have the Following Deductibles for PPO Plans, 2000-2004 | | Exhibit 7.6: | Distribution of Covered Workers Facing Various Copayments for Physician Office Visits, by Plan Type, 2003-2004 | | Exhibit 7.7: | Percentage of Covered Workers Facing HMO Copayments for Physician Office Visits, 1996-2004 | | Exhibit 7.8: | Coinsurance Rates Among Covered Workers Facing Coinsurance for Physician Office Visits, by Plan Type, 2004 | | Exhibit 7.9: | Distribution of Covered Workers With the Following Types of Cost Sharing for Physician Office Visits, 2004 | | Exhibit 7.10: | Distribution of Covered Workers With the Following Types of Cost Sharing for a Hospital Admission, 2004 | | Exhibit 7.11: | For Covered Workers With a Separate Hospital Deductible or Copay, the Average Cost Sharing Per Admission, by Plan Type, 2004 | | Exhibit 7.12: | Average Hospital Cost Sharing for Covered Workers, 2004 | | Exhibit 7.13: | Percentage of Covered Workers in HMO, PPO, and POS Plans Whose Plan Has a Tiered Cost-Sharing Arrangement or Has Considered Introducing a Tiered Cost-Sharing Arrangement for Physician or Hospital Visits, 2004 | | Download a PDF of Section 7 |
| Section 8: Health Benefits | | Exhibit 8.1: | Level of Benefits for Covered Workers Compared to Last Year, All Plans, 2004 | | Exhibit 8.2: | Percentage of Covered Workers With Selected Benefits, by Firm Size, 2004 | | Exhibit 8.3: | Percentage of Covered Workers With Selected Benefits, by Plan Type and Firm Size, 2004 | | Exhibit 8.4: | Distribution of Covered Workers With Maximum Annual Out-of-Pocket Payment, by Plan Type and Firm Size, 2004 | | Exhibit 8.5: | Distribution of Covered Workers with Maximum Lifetime Benefit, by Plan Type and Firm Size, 2004 | | Download a PDF of Section 8 |
| Section 9: Prescription Drugs and Mental Health Benefits | | Exhibit 9.1: | Distribution of Covered Workers Facing Different Cost-Sharing Formulas for Prescription Drug Benefits, 2000-2004 | | Exhibit 9.2: | Average Copays for Generic Drugs, Preferred Drugs, Nonpreferred and Four-Tier Drugs, 2000-2004 | | Exhibit 9.3: | Average Coinsurance Rate for Generic Drugs, Preferred Drugs, Nonpreferred and Four-Tier Drugs, 2000-2004 | | Exhibit 9.4: | Distribution of Covered Workers With the Following Types of Cost Sharing for Prescription Drugs, by Drug Type, 2004 | | Exhibit 9.5: | Percentage of Covered Workers With Mandatory Use of Generic Drugs, 1998-2004 | | Exhibit 9.6: | Percentage of Covered Workers With Mail Order Discount Plans for Prescription Drugs, 1998-2004 | | Exhibit 9.7: | Percentage of Covered Workers With Various Outpatient Mental Health Visit Annual Maximums, by Plan Type, 2004 | | Exhibit 9.8: | Percentage of Covered Workers With Various Annual Inpatient Mental Health Day Maximums, by Plan Type, 2004 | | Download a PDF of Section 9 |
| Section 10: Plan Funding | | Exhibit 10.1: | Percentage of Covered Workers in Partially or Completely Self-Funded Plans, by Firm Size, 1996-2004 | | Exhibit 10.2: | Percentage of Covered Workers in Partially or Completely Self-Funded Plans, by Plan Type, 1988-2004 | | Exhibit 10.3: | Percentage of Covered Workers in Partially or Completely Self-Funded Conventional Plans, by Firm Size, 1996-2004 | | Exhibit 10.4: | Percentage of Covered Workers in Partially or Completely Self-Funded HMO Plans, by Firm Size, 1996-2004 | | Exhibit 10.5: | Percentage of Covered Workers in Partially or Completely Self-Funded PPO Plans, by Firm Size, 1996-2004 | | Exhibit 10.6: | Percentage of Covered Workers in Partially or Completely Self-Funded POS Plans, by Firm Size, 1996-2004 | | Exhibit 10.7: | Percentage of Covered Workers Under Different Funding Arrangements, by Industry, 2004 | | Download a PDF of Section 10 |
| Section 11: Retiree Health Benefits | | Exhibit 11.1: | Percentage of All Large Firms (200 or More Workers) Offering Retiree Health Benefits, 1988-2004 | | Exhibit 11.2: | Percentage of Employers Offering Retiree Health Benefits, by Firm Size, Region, and Industry, 2004 | | Exhibit 11.3: | Percentage of All Large Firms (200 or More Workers) in Which Retirees are Offered Health Insurance, by Whether or Not the Firm Has Union Workers, 2004 | | Exhibit 11.4: | Percentage of All Large Employers (200 or More Workers) Offering Health Benefits to Early and Medicare-Age Retirees, Among All Large Firms Offering Retiree Coverage, 1999-2004 | | Exhibit 11.5: | Percentage of All Large Employers (200 or More Workers) Offering Retiree Benefits to Early and Medicare-Age Retirees, Among All Large Firms Offering Retiree Coverage, by Firm Size, Region, and Industry, 2004 | | Download a PDF of Section 11 |
| Section 12: Employer Opinions and Health Management Programs | | Exhibit 12.1: | Percentage of Firms That Shopped for a New Plan, and the Percentage of These Firms Reporting That They Changed Health Plan Types or Insurance Carriers in the Last Year, by Firm Size, 2004 | | Exhibit 12.2: | Distribution of Firms' Opinions on the Effectiveness of the Following Cost Containment Strategies, 2004 | | Exhibit 12.3: | Percentage of Firms Reporting Changes in the Proportion of Covered Workers Enrolled in Family Coverage Over the Last Several Years, 2004 | | Exhibit 12.4: | Distribution of Firms Reporting the Use of the Following Contribution Approaches for Health Benefits, 2004 | | Exhibit 12.5: | Distribution of Firms Reporting the Likelihood of Adopting the Following Contribution Approaches for Health Benefits, 2004 | | Exhibit 12.6: | Percentage of Firms Reporting the Likelihood of Increasing Employees' Share of Premiums for Family Coverage in the Next Two Years, 2004 | | Exhibit 12.7: | Percentage of Firms Reporting the Following Attitudes Toward Coverage for Workers and Dependent Family Members, 2004 | | Exhibit 12.8: | Percentage of Firms Whose Covered Workers Have Access to Quality of Care Information Through Internet Websites, and Firms' Rating of the Quality of That Information, 2004 | | Exhibit 12.9: | Distribution of Firms Reporting the Likelihood of Making the Following Changes in the Next Year, by Firm Size, 2004 | | Download a PDF of Section 12 |
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