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Employer Health Benefits 2006 Annual Survey Kaiser  
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   Section 7: Exhibit 7.7: Among Covered Workers with a General Annual...
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Exhibit 7.7: Among Covered Workers with a General Annual Health Plan Deductible, Distribution of Type of Deductible for Family Coverage, by Plan Type and Firm Size, 2006*‡
 

Aggregate Amount

Separate Amount per Person

HMO

All Small Firms (3-199 Workers) 

63%

37%

All Large Firms (200 or More Workers)

80%

20%

ALL FIRM SIZES

74%

26%

PPO

 

 

All Small Firms (3-199 Workers)

71%

29%

All Large Firms (200 or More Workers)

72%

28%

ALL FIRM SIZES

71%

29%

POS

 

 

All Small Firms (3-199 Workers)

76%

24%

All Large Firms (200 or More Workers)

75%

25%

ALL FIRM SIZES

76%

24%

HDHP/SO

 

 

All Small Firms (3-199 Workers)

93%

7%

All Large Firms (200 or More Workers)

91%

9%

ALL FIRM SIZES

92%

8%

 

 

 
*

Tests found no statistical difference within plan type between distributions for All Small Firms and All Large Firms at p<.05.

 
Less than two percent of firms who report having a deductible for family coverage do not have values imputed for whether the deductible is an aggregate or a separate per person deductible.
 
 Note: For the first time this year, the survey distinguished between plans that have an aggregate deductible amount in which all family members’ out-of-pocket expenses count toward the deductible and plans that have a separate amount for each family member, typically with a limit on the number of family members required to reach that amount.
 
 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

 

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