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| Employer Health Benefits 2006 Annual Survey |  |
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Section 7:
Exhibit 7.21: Distribution of Type of Out-of-Pocket Maximum...
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Error in element (see logs)
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Exhibit 7.21: Distribution of Type of Out-of-Pocket Maximum for Workers with Family Coverage, by Plan Type and Firm Size, 2006
| No Limit | Aggregate Amount | Separate Amount per Person | HMO | | | | All Small Firms (3-199 Workers) | 33% | 57% | 10% | All Large Firms (200 Or More Workers) | 46 | 44 | 11 | ALL FIRM SIZES | 42% | 48% | 10% | PPO | | | | All Small Firms (3-199 Workers)* | 22% | 66% | 13% | All Large Firms (200 Or More Workers)* | 12 | 67 | 21 | ALL FIRM SIZES | 15% | 67% | 18% | POS | | | | All Small Firms (3-199 Workers) | 34% | 59% | 7% | All Large Firms (200 Or More Workers) | 32 | 49 | 19 | ALL FIRM SIZES | 33% | 54% | 13% | HDHP/SO‡ | | | | All Small Firms (3-199 Workers) | 3% | 88% | 9% | All Large Firms (200 Or More Workers) | <1 | 88 | 12 | ALL FIRM SIZES | 2% | 88% | 10% | ALL FIRMS | | | | All Small Firms (3-199 Workers)* | 25% | 64% | 11% | All Large Firms (200 Or More Workers)* | 20 | 62 | 18 | ALL FIRM SIZES | 22% | 63% | 16% |
| * | Distributions are statistically different within plan type between All Small Firms and All Large Firms at p<.05. | | | | ‡ | HSA qualified HDHPs are required to have an annual maximum out-of-pocket liability of no more than $5,250 for single coverage and $10,500 for family coverage. When they are excluded from the calculation, the distribution of type of out-of-pocket maximum for HDHP/HRAs only is as follows: All Small Firms – 13% No Limit, 56% Aggregate Amount, and 31% Separate Amount per Person; All Large Firms – <1% No Limit, 85% Aggregate Amount, and 14% Separate Amount per Person; All Firm Sizes – 3% No Limit, 78% Aggregate Amount, and 18% Separate Amount per Person. | | | | | Note: For the first time this year, the survey distinguished between plans that have a family aggregate out-of-pocket maximum that applies to spending by any covered person in the family or a separate per person out-of-pocket maximum that applies to spending by each family member or a limited number of family members. | | | | | 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. |
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