| Employer Health Benefits 2005 Annual Survey |  |
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List of Exhibits | Summary of Findings | | Exhibit A: | Increases in Health Insurance Premiums Compared to Other Indicators, 1988-2005 | | Exhibit B: | Average Annual Premiums for Covered Workers for Single and Family Coverage, by Plan Type, 2005 | | Exhibit C: | Distribution of Covered Workers by Percentage of Premium Contributed by Their Firm for Single and Family Coverage, by Firm Size, 2005 | | Exhibit D: | Average Percentage of Premium Paid by Covered Workers for Single and Family Coverage, 1988-2005 | | Exhibit E: | Percentage of Firms Offering Health Benefits, by Firm Size, 1996-2005 | | Exhibit F: | Among Firms Offering Health Benefits, Percentage That Offer an HDHP, by Firm Size, 2003-2005 | | Exhibit G: | Among all Firms Offering Health Benefits, Percentage That Offer an HDHP/HRA and/or an HSA Qualified HDHP, 2005 | | Exhibit H: | Average Annual Premiums and Contributions to Spending Accounts For Covered Workers in HDHP/HRAs and HSA Qualified HDHPs Compared to All Plans, 2005 |  Print the Summary of Findings |
| Section 1: Cost of Health Insurance | | Exhibit 1.1: | Increases in Health Insurance Premiums Compared to Other Indicators, 1988-2005 | | Exhibit 1.2: | Increases in Health Insurance Premiums From Previous Year, by Plan Type, 1988-2005 | | Exhibit 1.3: | Increases in Health Insurance Premiums for Covered Workers, by Firm Size, 2005 | | Exhibit 1.4: | Distribution of Premium Increases for Covered Workers, by Firm Size, 2005 | | Exhibit 1.5: | Increases in Health Insurance Premiums, by Firm Size and Plan Type, 2005 | | Exhibit 1.6: | Increases in Health Insurance Premiums, by Plan Type and Funding Arrangement, 2005 | | Exhibit 1.7: | Increases in Health Insurance Premiums, by Funding Arrangement, 1998-2005 | | Exhibit 1.8: | Increases in Health Insurance Premiums, by Firm Size, 1996-2005 | | Exhibit 1.9: | Increases in Health Insurance Premiums, by Region, 1996-2005 | | Exhibit 1.10: | Increases in Health Insurance Premiums, by Industry, 1996-2005 | | Exhibit 1.11: | Average Monthly Premiums for Covered Workers, Single and Family Coverage, by Plan Type, 2005 | | Exhibit 1.12: | Distribution of Single and Family Premiums for Covered Workers, 2001-2005 | | Exhibit 1.13: | Monthly and Annual Premiums for Covered Workers by Plan Type and Firm Size, 2005 | | Exhibit 1.14: | Monthly and Annual Premiums for Covered Workers by Plan Type and Region, 2005 | | Exhibit 1.15: | Monthly and Annual Premiums for Covered Workers by Plan Type and Industry, 2005 |  Print Section 1
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| Section 2: Health Benefit Offer Rates | | Exhibit 2.1: | Percentage of Firms Offering Health Benefits, 1996-2005 | | Exhibit 2.2: | Percentage of Firms Offering Health Benefits, by Firm Size, 1996-2005 | | Exhibit 2.3: | Percentage of Firms Offering Health Benefits, by Firm Characteristics, 2005 | | Exhibit 2.4: | The Percentage of Firms Offering Health Benefits That Offer Them to Part-Time Workers, by Firm Size, 1999-2005 | | Exhibit 2.5: | The Percentage of Firms Offering Health Benefits That Offer Them to Temporary Workers, by Firm Size, 1999-2005 | | Exhibit 2.6: | Among Firms Not Offering Health Benefits, Reasons for Not Offering, 2005 | | Exhibit 2.7: | Distribution of Firms by the Amounts They Believe They and Their Employees Could Afford to Pay for Health Insurance and by Their Estimate of the Cost of Coverage, per Month, 2005 | | Exhibit 2.8: | Among Firms Not Offering Health Benefits, Beliefs About Employees’ Preferences for Higher Wages or Health Insurance Benefits, 2003 and 2005 | | Print 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, 2000-2005 | | Exhibit 3.2: | Eligibility, Take-Up Rates, and Coverage in Firms Offering Health Benefits, by Firm Size, Region, and Industry, 2005 | | Exhibit 3.3: | Percentage of Workers Eligible For Health Benefits Offered By Their Employer, by Firm Size, 1999-2005 | | Exhibit 3.4: | Percentage of Workers in Firms Offering Health Benefits Who Participate in (Take-up) Their Employers’ Health Plan, by Firm Size, 1999-2005 | | Exhibit 3.5: | Percentage of Workers in Firms Offering Health Benefits Who Are Covered by Their Employers’ Health Plan, by Firm Size, 1999-2005 | | Exhibit 3.6: | Average Waiting Period for New Employees to be Eligible for Health Coverage, 2005 | | Exhibit 3.7: | Percentage of Covered Workers in Firms with a Waiting Period for New Employees to Be Covered, by Firm Size, Region, and Industry, 2005 | | Exhibit 3.8: | Average Waiting Period For New Employees to be Eligible for Health Coverage, by Firm Size, Region, and Industry, 2005 | | Exhibit 3.9: | Distribution of Covered Workers Electing Single Coverage, Single Plus One Coverage, or Family Coverage, by Firm Size, 2001-2005 | | Print Section 3 |
| Section 4: Health Plan Choice | | Exhibit 4.1: | Percentage of Covered Workers With a Choice of Conventional, HMO, PPO, or POS Plans, 1988-2005 | | Exhibit 4.2: | Percentage of Employers Providing a Choice of Health Plans, by Firm Size, 2005 | | Exhibit 4.3: | Distribution of Covered Workers With a Choice of Health Plans, 1988-2005 | | Exhibit 4.4: | Distribution of Covered Workers With a Choice of Health Plans, by Firm Size, 1996-2005 | | Exhibit 4.5: | Percentage of Covered Workers With a Choice of Health Plans, by Region, 2005 | | Exhibit 4.6: | Distribution of Covered Workers With One or More Plan Options of the Same Plan Type, by Firm Size, 2005 | | Print Section 4 |
| Section 5: Market Shares of Health Plans | | Exhibit 5.1: | Distribution of Health Plan Enrollment for Covered Workers, by Plan Type, 1988-2005 | | Exhibit 5.2: | Health Plan Enrollment, by Firm Size, Region, and Industry, 2005 | | Print Section 5 |
| Section 6: Employee Contributions for Premiums | | Exhibit 6.1: | Average Monthly Worker Contribution for Single and Family Premiums, 1988-2005 | | Exhibit 6.2: | Percentage of Premium Paid by Covered Workers for Single and Family Coverage, 1988-2005 | | Exhibit 6.3: | Average Annual Premiums for Covered Workers, Single and Family Coverage, by Plan Type, 2005 | | Exhibit 6.4: | Average Monthly and Annual Worker Premium Contributions, by Plan Type and Firm Size, 2005 | | Exhibit 6.5: | Average Monthly and Annual Worker Premium Contributions, by Plan Type and Region, 2005 | | Exhibit 6.6: | Average Monthly Worker Contributions for Single and Family Coverage in Conventional and HMO Plans, 1988-2005 | | Exhibit 6.7: | Average Monthly Worker Contributions for Single and Family Coverage in PPO and POS Plans, 1988-2005 | | Exhibit 6.8: | Distribution of Covered Workers by Percentage of Single Premium Contributed by Their Firm, by Firm Size, 2001-2005 | | Exhibit 6.9: | Distribution of Covered Workers by Percentage of Family Premium Contributed by Their Firm, by Firm Size, 2005 | | Exhibit 6.10: | Average Percentage of Single and Family Premiums Paid by Covered Workers, by Firm Characteristics, 2005 | | Exhibit 6.11: | Average Percentage of Premium Paid by Firm for Covered Workers, by Plan Type and Firm Size, 2005 | | Exhibit 6.12: | Average Percentage of Premium Paid by Covered Workers in Conventional and HMO Plans, 1988-2005 | | Exhibit 6.13: | Average Percentage of Premium Paid by Covered Workers in PPO and POS Plans, 1988-2005 | | Exhibit 6.14: | Average Percentage of Premium Paid by Firm for Covered Workers, by Plan Type and Region, 2005 | | Exhibit 6.15: | Percentage of Premium Paid by Firm for Covered Workers, by Plan Type and Industry, 2005 | | Exhibit 6.16: | Percentage of Covered Workers in Firms That Vary Worker Premium Contributions by Wage Level or by Participation in Wellness Program, by Firm Size and Region, 2005 | | Print Section 6 |
| Section 7: Employee Cost Sharing | | Exhibit 7.1: | Percentage of Covered Workers With the Following Types of Cost Sharing for Health Benefits, 2005 | | Exhibit 7.2: | Average Annual Deductibles for Covered Workers With Single Coverage, by Plan Type, 1988-2005 | | Exhibit 7.3: | Average Annual Deductibles for Covered Workers With Family Coverage, by Plan Type, 1988-2005 | | Exhibit 7.4: | Average Annual Deductibles for Covered Workers for Single and Family Coverage, by Plan Type and Firm Size, 2005 | | Exhibit 7.5: | Average Annual Deductibles for Covered Workers for Single and Family Coverage, by Plan Type and Region, 2005 | | Exhibit 7.6: | Distribution of Covered Workers With the Following Annual Deductibles for PPO Plans, 2000-2005 | | Exhibit 7.7: | Distribution of Covered Workers With the Following Annual Deductibles for POS Plans, 2000-2005 | | Exhibit 7.8: | Among Covered Workers Facing Copayments for Physician Office Visits, Distribution of Copayments by Plan Type, 2003-2005 | | Exhibit 7.9: | Among Covered Workers in HMOs Facing Copayments for Physician Office Visits, Percentage with Various Copayments, 1996-2005 | | Exhibit 7.10: | Among Covered Workers Facing Coinsurance for Physician Office Visits, Average Coinsurance Rates, by Plan Type, 2005 | | Exhibit 7.11: | Percentage of Covered Workers With the Following Types of Cost Sharing for Physician Office Visits, 2005 | | Exhibit 7.12: | Distribution of Covered Workers With the Following Types of Cost Sharing for a Hospital Admission, 2005 | | Exhibit 7.13: | Among Covered Workers with a Separate Hospital Deductible or Copay, the Average Cost Sharing Per Admission, By Plan Type, 2005 | | Exhibit 7.14: | Among Covered Workers with Separate Hospital Cost Sharing, Average Cost Sharing, 2005 | | Exhibit 7.15: | 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, 2005 | | Exhibit 7.16: | Distribution of Covered Workers With Maximum Annual Out-of-Pocket Payment, Single Coverage, by Plan Type and Firm Size, 2005 | | Exhibit 7.17: | Distribution of Covered Workers With Maximum Annual Out-of-Pocket Payment, Family Coverage, by Plan Type and Firm Size, 2005 | | Print Section 7 |
| Section 8: High-Deductible Health Plans and Savings Account Options | | Exhibit 8.1: | Among Firms Offering Health Benefits, Percentage That Offer an HDHP, by Firm Size, 2003-2005 | | Exhibit 8.2: | Among Firms Offering Health Benefits, Percentage That Offer an HDHP/HRA and/or an HSA Qualified HDHP, 2005 | | Exhibit 8.3: | Among All Firms Offering an HDHP, Percentage That Offer an HDHP/HRA and/or an HSA Qualified HDHP, 2005 | | Exhibit 8.4: | HDHP/HRA and HSA Qualified HDHP Plan Features, by Plan Type, 2005 | | Exhibit 8.5: | Average Annual Premiums and Contributions to Spending Accounts For Covered Workers in HDHP/HRAs and HSA Qualified HDHPs Compared to All Plans, 2005 | | Exhibit 8.6: | Among Firms not Currently Offering an HDHP/HRA, Percentage of Firms That Say They Are “Very Likely” or “Somewhat Likely” to Offer Workers an HDHP/HRA in the Next Year, 2005 | | Exhibit 8.7: | Among Firms not Currently Offering an HSA Qualified HDHP, Percentage of Firms That Say They Are “Very Likely” or “Somewhat Likely” to Offer Workers an HSA Qualified HDHP in the Next Year, 2005 | | Print Section 8 |
| Section 9: Prescription Drugs Benefits | | Exhibit 9.1: | Distribution of Covered Workers Facing Different Cost sharing Formulas for Prescription Drug Benefits, 2000-2005 | | Exhibit 9.2: | Among Covered Workers Facing Prescription Drug Copayments, Average Copayments, 2000-2005 | | Exhibit 9.3: | Among Covered Workers Facing Coinsurance for Prescription Drugs, Average Coinsurance, 2000-2005 | | Exhibit 9.4: | Distribution of Covered Workers With the Following Types of Cost Sharing for Prescription Drugs, by Drug Type, 2005 | | Exhibit 9.5: | Percentage of Covered Workers with Drug Coverage Who Face a Separate Drug Deductible, by Plan Type, 2005 | | Print Section 9 |
| Section 10: Plan Funding | | Exhibit 10.1: | Percentage of Covered Workers in Partially or Completely Self-Funded Plans, by Firm Size, 1999-2005 | | Exhibit 10.2: | Percentage of Covered Workers in Partially or Completely Self-Funded Plans, by Plan Type, 1999-2005 | | Exhibit 10.3: | Percentage of Covered Workers in Partially or Completely Self-Funded HMO Plans, by Firm Size, 1999-2005 | | Exhibit 10.4: | Percentage of Covered Workers in Partially or Completely Self-Funded PPO Plans, by Firm Size, 1999-2005 | | Exhibit 10.5: | Percentage of Covered Workers in Partially or Completely Self-Funded POS Plans, by Firm Size, 1999-2005 | | Exhibit 10.6: | Percentage of Covered Workers With Different Funding Arrangements, by Industry, 2005 | | Print Section 10 |
| Section 11: Retiree Health Benefits | | Exhibit 11.1: | Percentage of All Large Firms (200 or More Workers) Offering Retiree Health Benefits, 1988-2005 | | Exhibit 11.2: | Percentage of Firms Offering Retiree Health Benefits, by Firm Size, Region, and Industry, 2005 | | Exhibit 11.3: | Percentage of All Large Firms (200 or More Workers) Offering Retiree Health Benefits, by Firm Characteristics, 2005 | | Exhibit 11.4: | Among All Large Firms (200 or More Workers) Offering Retiree Coverage, Percentage Offering Health Benefits to Early and Medicare-Age Retirees, 1999-2005 | | Exhibit 11.5: | Among All Large Firms (200 or More Workers) Offering Retiree Health Coverage, Percentage Offering Retiree Benefits to Early and Medicare-Age Retirees, by Firm Size, Region, and Industry, 2005 | | Print Section 11 |
| Section 12: Employer Opinions and Health Management Programs | | Exhibit 12.1: | Among Firms the Offer Health Benefits, Percentage That Shopped for a New Plan or Insurance Carrier, and the Percentage of These Firms Who Changed Plan Types or Insurance Carriers in the Last Year, by Firm Size, 2005 | | Exhibit 12.2: | Among All Firms Both Offering and Not Offering Health Benefits, Percentage Offering Wellness Programs To Their Employees, by Firm Size, Region, and Industry, 2005 | | Exhibit 12.3: | Percentage of Covered Workers in Plans with Utilization Management Provisions, by Firm Size, Plan Type, Region, and Industry, 2005 | | Exhibit 12.4: | Percentage of Covered Workers in Plans With A Disease Management Program and Among those, Percentage with Specific Programs, 2005 | | Exhibit 12.5: | Among All Firms, Both Offering and Not Offering Health Benefits, Distribution of Firms’ Opinions on the Effectiveness of the Following Strategies to Contain Health Insurance Costs, 2005 | | Exhibit 12.6: | Distribution of Firms Reporting The Likelihood of Making the Following Changes in the Next Year, by Firm Size, 2005 | | Print Section 12 |
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