Employer Health Benefits 2004: Exhibit 7.2: Average Annual Deductibles for Covered Workers, by Plan Type, 1988-2004

Employer Health Benefits 2006 Annual Survey

Section 7: Employee Cost Sharing 2004: Exhibit 7.2: Average Annual Deductibles for Covered Workers, by Plan Type, 1988-2004

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Exhibit 7.2: Average Annual Deductibles for Covered Workers, by Plan Type, 1988-2004

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* Estimate is statistically different from the previous year shown at p<.05.

^ Information was not obtained for HMO plans prior to 2003, or for POS plans in 1988 and 1993.

Preferred providers: Providers that are part of a plan’s approved list of doctors and hospitals; consumers generally pay lower cost sharing when using these providers.

Nonpreferred providers: Providers that are not part of a plan’s approved list of doctors and hospitals.

Note: Average deductibles include covered workers who do not have a deductible or report a $0 deductible. For example, 30% of covered workers in PPO plans do not have a deductible for preferred providers. Among single workers enrolled in a PPO plan who do have a deductible greater than $0, the average annual preferred provider deductible is $410 and the average nonpreferred provider deductible is $595.

Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits: 2000, 2002, 2003, 2004; KPMG Survey of Employer-Sponsored Health Benefits: 1993; The Health Insurance Association of America (HIAA): 1988.

The Kaiser Family Foundation and Health Research and Educational Trust
Program Area: Health Care Marketplace Project | Publication Date: 09/26/2006