Employer Health Benefits Survey 2004: Exhibit 7.4: Average Annual Deductible for Covered Workers, by Plan Type and Region, 2004

Employer Health Benefits 2006 Annual Survey

Section 7: Employee Cost Sharing 2004: Exhibit 7.4: Average Annual Deductible for Covered Workers, by Plan Type and Region, 2004

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Exhibit 7.4: Average Annual Deductible for Covered Workers, by Plan Type and Region, 2004

	Single Coverage	Family Coverage
CONVENTIONAL PLANS
Northeast	$315	$629
Midwest	465	880
South	361	721
West	533	1,279
ALL REGIONS	$414	$861
HMO PLANS
Northeast	$42	$55
Midwest	33	66
South	52	102
West	48	92
ALL REGIONS	$44	$80

	Single Coverage Preferred Provider	Single Coverage Nonpreferred Provider
PPO PLANS
Northeast	$148*	$590
Midwest	279	530
South	331	587
West	310	507
ALL REGIONS	$287	$558
POS PLANS
Northeast	$47*	$513
Midwest	281	602
South	339	745
West	180	367
ALL REGIONS	$210	$575

* Estimate is statistically different from All Regions within a plan type at p<.05.

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: Results include covered workers who do not have a deductible or report a $0 deductible.

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

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