Most firms that offer health benefits offer only one type of health plan (87%). Larger firms are more likely to offer more than one type of health plan. Employers are most likely to offer their workers a PPO or POS plan and are least likely to offer a conventional plan or an HDHP/SO.
- Eighty-seven percent of firms offer only one health plan type. Of the 13% of firms that offer more than one plan type, large firms (200 or more workers) are more likely to offer more than one plan type than small firms (3-199 workers): 44% of large firms compared with 11% of small firms (Exhibit 4.1).
- Almost one-half (49%) of covered workers are employed in a firm that offers more than one health plan type (See Text Box). Sixty-four percent of covered workers in large firms (200 or more workers) are employed by a firm that offers more than one plan type; the comparable percentage for covered workers employed in small firms (3-199 workers) is 21% (Exhibit 4.2).
| The survey asks firms how many plans of each given type they offer. However, we do not know if each plan type is offered to all covered workers at the firm. For example, some workers might be offered one type of plan at one location, while workers at another location are offered a different type of plan. |
- In firms offering health benefits, about four in five (79%) covered workers work in a firm that offers one or more PPOs, 42% work in firms that offer one or more HMOs, 21% work in firms that offer one or more POS plans, 18% work in firms that offer one or more HDHP/SOs, and 10% work in firms that offer one or more conventional plans (Exhibit 4.4).
Click here to continue on to Exhibit 4.1
