Exhibit 8.4: Average Annual Premiums and Contributions to Spending Accounts For Covered Workers, HDHP/HRA and HSA Qualified HDHP, 2006
| HDHP/HRA | HSA Qualified HDHP | | Single | Family | Single | Family | Total Annual Premium | $3,666 | $10,482 | $3,176 | $8,515 | Worker Contribution to Premium | $664 | $2,420 | $467 | $2,115 | Firm Contribution to Premium | $3,003 | $8,062 | $2,709 | $6,400 | Annual Firm Contribution to the HRA or HSA‡ | $797 | $1,584 | $689 | $1,139 | Total Annual Firm Contribution (Firm Share of Premium Plus Firm Contribution to HRA or HSA) | $3,800 | $9,646 | $3,398 | $7,539 | Total Annual Spending (Total Premium Plus Firm Contribution to HRA or HSA) | $4,464 | $12,065 | $3,865 | $9,654 |
| ‡ | When those firms that do not contribute to the HSA are excluded from the calculation, the average firm contribution to the HSA for covered workers is $988 for single coverage and $1,632 for family coverage. | | | | | Note: For definitions of HDHP/HRAs and HSA qualified HDHPs, see the introduction to Section 8. Values shown in the table may not equal the sum of their component parts. The averages presented in the table are aggregated at the firm level and then averaged, which is methodologically more appropriate than adding the averages. This is relevant for Total Annual Premium, Total Annual Firm Contribution, and Total Annual Spending. | | | | | 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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