‡ 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.

§ The percentage of covered workers with a plan deductible is calculated for workers with single coverage in conventional, HMO, PPO and POS plans. For PPO and POS plans, the deductible for services received from preferred providers is used in the calculation.

Note: The percentage of covered workers with a plan deductible in 2003 is 52%, not 79% as reported last year.

Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits: 2004.