Employer Health Benefits 2006: Exhibit 7.2: Among Covered Workers with No General Annual Plan Deductible for Single and Family Coverage, Percentage Who Have Hospital Cost Sharing, by Plan Type, 2006?

Employer Health Benefits 2006 Annual Survey

Section 7: Exhibit 7.2: Among Covered Workers with No General Annual Plan Deductible for Single and Family Coverage...

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Exhibit 7.2: Among Covered Workers with No General Annual Plan Deductible for Single and Family Coverage, Percentage Who Have Hospital Cost Sharing, by Plan Type, 2006^‡

	Single Coverage	Family Coverage
Separate Cost Sharing for Each Hospital Admission
HMO	60%	59%
PPO	55	55
POS	55	55
Separate Cost Sharing for Each Outpatient Surgery Episode
HMO	50%	50%
PPO	42	43
POS	48	48

^‡	Separate cost sharing for each hospital admission includes the following types: deductible or copayment only, coinsurance only, both copayment and coinsurance, either a copayment or coinsurance (whichever is greater), and a charge per day (per diem). Cost sharing for each outpatient surgery episode includes the following types: deductible or copayment only, coinsurance only, both copayment and coinsurance, and either a copayment or coinsurance, whichever is greater.

	Note: HDHP/SOs are not shown because all covered workers in these plans face a minimum deductible. In HDHP/HRA plans, as defined by the survey, the minimum deductible is $1,000 for single coverage and $2,000 for family coverage. In HSA qualified HDHPs, the legal minimum deductible is $1,050 for single coverage and $2,100 for family coverage.

	Source: Kaiser/HRET Survey of Employer-Sponsored Health Benefits, 2006.

	For more information regarding survey methodology, click here to view the Survey Design and Methods section.

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