Exhibit 1.2: Increases in Health Insurance Premiums from the Previous Year, by Plan Type, 1988-2005

Employer Health Benefits 2005 Annual Survey

Section 1: Cost of Health Insurance: Exhibit 1.2: Increases in Health Insurance Premiums from the Previous Year, by Plan Type, 1988-2005

Error in element (see logs)

Exhibit 1.2: Increases in Health Insurance Premiums from the Previous Year, by Plan Type, 1988-2005

	1988	1993	1996	2000	2002	2003	2004	2005
Conventional	12.4%	9.1%	1.9 %	9.5%*	13.8%*	14.3%	11.1%	5.0%*
HMO	8.4	7.7	-0.2	7.6*	13.5*	15.2^†	12.0*	9.4*
PPO	20.3	7.2	1.0	8.5*	12.7*	13.7	10.9*	9.4*
POS	^	5.2	1.1	7.8*	12.2*	13.2	11.3	9.1
ALL PLANS	12.0	8.5	0.8	8.2*	12.9*	13.9^†	11.2*	9.2*

^*	Estimate is statistically different from the previous year shown by plan type at p<.05. No statistical tests were conducted for years prior to 1999.

^†	Estimate is statistically different from the previous year shown by plan type at p<.10.

^{^}	Information was not obtained for POS plans in 1988.

	Note: Data on premium increases reflect the cost of health insurance premiums for a family of four.

	Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 2000-2005; KPMG Survey of Employer-Sponsored Health Benefits, 1993, 1996; 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: 09/14/2005