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2014 Employer Health Benefits Survey

    Section One: Cost of Health Insurance
    View Exhibits
    1. Exhibit 1.1: Average Monthly and Annual Premiums for Covered Workers, Single and Family Coverage, by Plan Type, 2014
    2. Exhibit 1.2: Average Monthly and Annual Premiums for Covered Workers, by Plan Type and Firm Size, 2014
    3. Exhibit 1.3: Average Monthly and Annual Premiums for Covered Workers, by Plan Type and Region, 2014
    4. Exhibit 1.4: Average Monthly and Annual Premiums for Covered Workers, by Plan Type and Industry, 2014
    5. Exhibit 1.5: Average Annual Premiums for Covered Workers with Single Coverage, by Firm Characteristics, 2014
    6. Exhibit 1.6: Average Annual Premiums for Covered Workers with Family Coverage, by Firm Characteristics, 2014
    7. Exhibit 1.7: Distribution of Annual Premiums for Single and Family Coverage Relative to the Average Annual Single or Family Premium, 2014
    8. Exhibit 1.8: Distribution of Premiums for Single and Family Coverage Relative to the Average Annual Single or Family Premium, 2014
    9. Exhibit 1.9: Distribution of Annual Premiums for Covered Workers with Single Coverage, 2014
    10. Exhibit 1.10: Distribution of Annual Premiums for Covered Workers with Family Coverage, 2014
    11. Exhibit 1.11: Average Annual Premiums for Single and Family Coverage, 1999-2014
    12. Exhibit 1.12: Average Annual Premiums for Covered Workers with Family Coverage, by Firm Size, 1999-2014
    13. Exhibit 1.13: Average Annual Premiums for Covered Workers with Family Coverage, by Firm Size, 1999-2014
    14. Exhibit 1.14: Average Annual Premiums for Covered Workers with Single Coverage, by Income Level, 1999-2014
    15. Exhibit 1.15: Average Annual Premiums for Covered Workers with Family Coverage, by Income Level, 1999-2014
    16. Exhibit 1.16: Average Premium Increases for Covered Workers with Family Coverage, 1999-2014
    17. Exhibit 1.17: Among Workers in Large Firms (200 or More Workers), Average Annual Health Insurance Premiums for Family Coverage, by Funding Arrangement, 1999-2014
    Section Two: Health Benefits Offer Rates
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    1. Exhibit 2.1: Percentage of Firms Offering Health Benefits, 1999–2014
    2. Exhibit 2.2: Percentage of Firms Offering Health Benefits, by Firm Size, 1999-2014
    3. Exhibit 2.3: Percentage of Firms Offering Health Benefits, by Firm Size, Region, and Industry, 2014
    4. Exhibit 2.4: Percentage of Firms Offering Health Benefits, by Firm Characteristics, 2014
    5. Exhibit 2.5: Among Firms Offering Health Benefits, Percentage that Offer Health Benefits to Part-Time Workers, by Firm Size, 1999-2014
    6. Exhibit 2.6: Among Firms Offering Health Benefits, Percentage that Offer Health Benefits to Temporary Workers, by Firm Size, 1999-2014
    7. Exhibit 2.7: Among Firms Offering Health Benefits, Percentage That Offer Health Benefits to Part-Time Workers, by Firm Size, 1999–2014
    8. Exhibit 2.8: Among Firms Offering Health Benefits, Percentage That Offer Health Benefits to Temporary Workers, by Firm Size, 1999–2014
    9. Exhibit 2.9: Percentage of Firms Offering Health Benefits That Offer or Contribute to a Separate Benefit Plan Providing Dental or Vision Benefits, by Firm Size and Region, 2014
    10. Exhibit 2.10: Among Firms Offering Health Benefits, Percentage That Offer or Contribute to a Separate Benefit Plan Providing Dental or Vision Benefits, by Firm Size, 2000-2014
    11. Exhibit 2.11: Among Firms Offering Benefits, Percent of Firms Which Offer Coverage to Spouses, Dependents and Partners, 2014
    12. Exhibit 2.12: Among Firms Offering Benefits, Percent of Firms Which Offer Coverage to Same-Sex and Opposite-Sex Domestic Partners, 2014
    13. Exhibit 2.13: Among Firms Offering Health Benefits, Percent of Employers That Offer Health Benefits to Unmarried Same-Sex and Opposite-Sex Domestic Partners, by Firm Size, 2008-2014
    14. Exhibit 2.14: Among Firms Offering Benefits to Dependents, Limits on the Coverage Eligibility of Spouses, by Firm Size, 2014
    15. Exhibit 2.15: Among Small Firms (3-199 Workers) Not Offering Health Benefits, the Most Important Reason The Firm Does Not Offer, 2014
    16. Exhibit 2.16: Among Small Firms (3-199 Workers) Not Offering Health Benefits, Percentage That Report the Following Activities, 2007-2014
    17. Exhibit 2.17: Among Small Firms (3-199 Workers) Not Offering Health Benefits, Percentage That Provide Employees Funds to Purchase Non-Group Insurance, 2012-2014
    18. Exhibit 2.18: Among Small Firms (3-199 Workers) Not Offering Health Benefits, Employees' Preference for Higher Wages or Health Insurance Benefits, 2003-2014
    19. Exhibit 2.19: Among Small Firms (3-199 Workers) Not Offering Benefits, Amount The Firm Believe That It Could Afford to Pay Monthly for Health Insurance Coverage for an Employee with Single Coverage, 2005–2014
    20. Exhibit 2.20: Among Small Firms (3–199 Workers) Not Offering Benefits, Percent of the Firm's Employees which the Firm Believes are Covered from Another Source, 2014
    21. Exhibit 2.21: Among Small Firms (3 to 75 Workers) Not Offering and Offering Health Benefits, Percentage of Firms Who Looked At Purchasing Coverage through a SHOP Exchange, by Firm Size and Region, 2014
    22. Exhibit 2.22: Among Small Firms (3 to 75 Workers) Not Offering Health Benefits who Determined they were Eligible to Purchase Coverage on a SHOP Exchange, Reasons Why They Did Not Select a Plan, 2014
    Section Three: Employee Coverage, Eligibility, and Participation
    View Exhibits
    1. Exhibit 3.1: Percentage of All Workers Covered by Their Employers’ Health Benefits, in Firms Both Offering and Not Offering Health Benefits, by Firm Size, 1999-2014
    2. Exhibit 3.2: Eligibility, Take-Up Rate, and Coverage in Firms Offering Health Benefits, by Firm Size, Region, and Industry, 2014
    3. Exhibit 3.3: Among Workers in Firms Offering Health Benefits, Percentage of Workers Eligible for Health Benefits Offered by Their Firm, by Firm Characteristics, 2014
    4. Exhibit 3.4: Among Workers in Firms Offering Health Benefits, Percentage of Eligible Workers Who Take Up Health Benefits Offered by Their Firm, by Firm Characteristics, 2014
    5. Exhibit 3.5: Among Workers in Firms Offering Health Benefits, Percentage of Workers Covered by Health Benefits Offered by Their Firm, by Firm Characteristics, 2014
    6. Exhibit 3.6: Eligibility, Take-Up Rate, and Coverage for Workers in Firms Offering Health Benefits, by Firm Size, 1999-2014
    7. Exhibit 3.7: Among Firms Offering Health Benefits, the Percent of Firms that Changed their Eligibility Criteria for Coverage in the Last Year, by Firm Size, Region, and Industry, 2014
    8. Exhibit 3.8: Percentage of Covered Workers in Firms with a Waiting Period for Coverage and Average Waiting Period in Months, by Firm Size, Region, and Industry, 2014
    9. Exhibit 3.9: Distribution of Covered Workers with the Following Waiting Periods for Coverage, 2014
    10. Exhibit 3.10: Among Firms with a Waiting Period the Percentage of Firms who Changed the Length of their Waiting Period During the Last Year, 2014
    11. Exhibit 3.11: Percentage of Covered Workers in Firms with a Waiting Period for Coverage and Average Waiting Period in Months, by Firm Size, Region, and Industry, 2002-2014
    Section Six: Worker and Employer Contributions for Premiums
    View Exhibits
    1. Exhibit 6.1: Average Percentage of Premium Paid by Covered Workers for Single and Family Coverage, 1999-2014
    2. Exhibit 6.2: Average Monthly Worker Premium Contributions Paid by Covered Workers for Single and Family Coverage, 1999-2014
    3. Exhibit 6.3: Average Annual Worker and Employer Contributions to Premiums and Total Premiums for Single Coverage, 1999-2014
    4. Exhibit 6.4: Average Annual Worker and Employer Contributions to Premiums and Total Premiums for Family Coverage, 1999-2014
    5. Exhibit 6.5: Average Annual Firm and Worker Premium Contributions and Total Premiums for Covered Workers for Single and Family Coverage, by Plan Type, 2014
    6. Exhibit 6.6: Average Annual Worker Contributions for Covered Workers with Single Coverage, by Firm Size, 1999-2014
    7. Exhibit 6.7: Average Annual Worker Contributions for Covered Workers with Family Coverage, by Firm Size, 1999-2014
    8. Exhibit 6.8: Average Annual Worker Premium Contributions Paid by Covered Workers for Single and Family Coverage, by Firm Size, 1999-2014
    9. Exhibit 6.9: Average Annual Firm and Worker Premium Contributions and Total Premiums for Covered Workers for Single Coverage, by Plan Type and Firm Size, 2014
    10. Exhibit 6.10: Average Annual Firm and Worker Premium Contributions and Total Premiums for Covered Workers for Family Coverage, by Plan Type and Firm Size, 2014
    11. Exhibit 6.11: Average Monthly and Annual Worker Premium Contributions Paid by Covered Workers for Single and Family Coverage, by Plan Type and Firm Size, 2014
    12. Exhibit 6.12: Average Monthly and Annual Worker Premium Contributions Paid by Covered Workers for Single and Family Coverage, by Plan Type and Region, 2014
    13. Exhibit 6.13: Average Premium Contribution Paid by Covered Workers for Single and Family Coverage, by Firm Characteristics, 2014
    14. Exhibit 6.14: Average Monthly Worker Premium Contributions Paid by Covered Workers for Single and Family Coverage, by Plan Type, 1999-2014
    15. Exhibit 6.15: Distribution of Worker Premium Contributions for Single and Family Coverage Relative to the Average Annual Worker Premium Contribution, 2014
    16. Exhibit 6.16: Distribution of Percentage of Premium Paid by Covered Workers for Single and Family Coverage, 2002-2014
    17. Exhibit 6.17: Distribution of Percentage of Premium Paid by Covered Workers for Single Coverage, by Firm Size, 2002-2014
    18. Exhibit 6.18: Distribution of Percentage of Premium Paid by Covered Workers for Family Coverage, by Firm Size, 2002-2014
    19. Exhibit 6.19: Distribution of the Percentage of Total Premium Paid by Covered Workers for Single and Family Coverage, by Wage Level, 2014
    20. Exhibit 6.20: Average Percentage of Premium Paid by Covered Workers for Single Coverage, by Firm Characteristics and Size, 2014
    21. Exhibit 6.21: Average Percentage of Premium Paid by Covered Workers for Family Coverage, by Firm Characteristics and Size, 2014
    22. Exhibit 6.22: Average Percentage of Premium Paid by Covered Workers for Single and Family Coverage, by Plan Type and Firm Size, 2014
    23. Exhibit 6.23: Average Percentage of Premium Paid by Covered Workers for Single and Family Coverage, by Plan Type, 1999-2014
    24. Exhibit 6.24: Average Percentage of Premium Paid by Covered Workers for Single and Family Coverage, by Plan Type and Region, 2014
    25. Exhibit 6.25: Average Percentage of Premium Paid by Covered Workers, by Plan Type and Industry, 2014
    26. Exhibit 6.26: Among Firms Offering Health Benefits with Fewer Than 20 Employees, Variations in Premiums and Firm Premium Contributions for Single Coverage, 2014
    27. Exhibit 6.27: Among Firms Offer Health Benefits, Percentage of Firms with a Policy Where Lower-Wage Workers Contribute a Lower Percentage of the Premium than Higher-Wage Workers, 2014
    28. Exhibit 6.28: Average Annual Worker Contributions for Covered Workers with Family Coverage, by Income Level, 1999-2014
    Section Seven: Employee Cost Sharing
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    1. Exhibit 7.1: Percent of Covered Workers with No General Annual Health Plan Deductible for Single and Family Coverage, by Plan Type and Firm Size, 2014
    2. Exhibit 7.2: Percent of Covered Workers in a Plan which Includes a General Annual Deductible for Single Coverage, By Plan Type, 2006-2014
    3. Exhibit 7.3: Percent of Covered Workers in a Plan which Includes a General Annual Deductible and Average Deductible, By Firm Characteristics, 2014
    4. Exhibit 7.4: Among Covered Workers with No General Annual Health Plan Deductible for Single and Family Coverage, Percent Who Have the Following Types of Cost Sharing, by Plan Type, 2014
    5. Exhibit 7.5: Among Covered Workers with a General Annual Health Plan Deductible for Single Coverage, Average Deductible, by Plan Type and Firm Size, 2014
    6. Exhibit 7.6: Among Covered Workers with a General Annual Health Plan Deductible for Single Coverage, Average Deductible, by Plan Type and Region, 2014
    7. Exhibit 7.7: Among Covered Workers with a General Annual Health Plan Deductible for Single Coverage, Average Deductible, by Plan Type, 2006-2014
    8. Exhibit 7.8: Percentage of Covered Workers Enrolled in a Plan with a High General Annual Deductible for Single Coverage, By Firm Size, 2014
    9. Exhibit 7.9: Percentage of Covered Workers Enrolled in a Plan with a General Annual Deductible of $1,000 or More for Single Coverage, By Firm Size, 2006-2014
    10. Exhibit 7.10: Percentage of Covered Workers Enrolled in a Plan with a General Annual Deductible of $2,000 or More for Single Coverage, By Firm Size, 2006-2014
    11. Exhibit 7.11: Among Covered Workers with a General Annual Health Plan Deductible for Single PPO Coverage, Distribution of Deductibles, 2006-2014
    12. Exhibit 7.12: Among Covered Workers With a General Annual Health Plan Deductible for Single POS Coverage, Distribution of Deductibles, 2006-2014
    13. Exhibit 7.13: Distribution of Type of General Annual Deductible for Covered Workers with Family Coverage, by Plan Type and Firm Size, 2014
    14. Exhibit 7.14: Among Covered Workers with a General Annual Health Plan Deductible, Average Deductibles for Family Coverage, by Deductible Type, Plan Type, and Firm Size, 2014
    15. Exhibit 7.15: Among Covered Workers with an Aggregate General Annual Health Plan Deductible for Family Coverage, Average Deductibles, by Plan Type, 2006-2014
    16. Exhibit 7.16: Among Covered Workers with a Separate Per Person General Annual Health Plan Deductible for Family Coverage, Distribution of Deductibles, by Plan Type, 2014
    17. Exhibit 7.17: Among Covered Workers with an Aggregate General Annual Health Plan Deductible for Family Coverage, Distribution of Deductibles, By Plan Type, 2014
    18. Exhibit 7.18: Among Covered Workers With a Separate Per Person General Annual Health Plan Deductible for Family Coverage, Structure of Deductible Limits, By Plan Type, 2014
    19. Exhibit 7.19: Among Covered Workers With a Separate Per Person General Annual Health Plan Deductible for Family Coverage, Distribution of Maximum Number of Family Members Required to Meet the Deductible, by Plan Type, 2014
    20. Exhibit 7.20: Among Covered Workers With an Aggregate General Annual Health Plan Deductible for Family Coverage, Distribution of Aggregate Deductibles, by Plan Type, 2006-2014
    21. Exhibit 7.21: Among Covered Workers with a General Annual Health Plan Deductible, Percentage with Coverage for the Following Services Without Having to First Meet the Deductible, by Plan Type, 2014
    22. Exhibit 7.22: Distribution of Covered Workers With Separate Cost Sharing for a Hospital Admission in Addition to Any General Annual Deductible, by Plan Type, 2014
    23. Exhibit 7.23: Distribution of Covered Workers with Separate Cost Sharing for an Outpatient Surgery Episode in Addition to Any General Annual Deductible, by Plan Type, 2014
    24. Exhibit 7.24: Among Covered Workers with Separate Cost Sharing for a Hospital Admission or Outpatient Surgery Episode in Addition to Any General Annual Deductible, Average Cost Sharing, by Plan Type, 2014
    25. Exhibit 7.25: In Addition to Any General Annual Plan Deductible, Percentage of Covered Workers with the Following Types of Cost Sharing for Physician Office Visits, by Plan Type, 2014
    26. Exhibit 7.26: Among Covered Workers with Copayments and/or Coinsurance for In-Network Physician Office Visits, Average Copayments and Coinsurance, by Plan Type, 2014
    27. Exhibit 7.27: Among Covered Workers with Copayments for a Physician Office Visit with a Primary Care Physician, Distribution of Copayments, by Plan Type, 2014
    28. Exhibit 7.28: Among Covered Workers with Copayments for a Physician Office Visit with a Specialty Care Physician, Distribution of Copayments, by Plan Type, 2014
    29. Exhibit 7.29: Among Covered Workers with Copayments for a Physician Office Visit with a Primary Care Physician, Distribution of Copayments, 2006-2014
    30. Exhibit 7.30: Among Covered Workers with Copayments for a Physician Office Visit with a Specialty Care Physician, Distribution of Copayments, 2006-2014
    31. Exhibit 7.31: Percentage of Covered Workers without an Annual Out-of-Pocket Maximum for Single and Family Coverage, by Plan Type, 2014
    32. Exhibit 7.32: Among Covered Workers with an Out-of-Pocket Maximum for Single Coverage, Distribution of Out-of-Pocket Maximums, by Plan Type, 2014
    33. Exhibit 7.33: Distribution of Type of Out-of-Pocket Maximum for Covered Workers with Family Coverage, by Plan Type and Firm Size, 2014
    34. Exhibit 7.34: Among Covered Workers with an Aggregate Out-of-Pocket Maximum for Family Coverage, Distribution of Out-of-Pocket Maximums, by Plan Type, 2014
    35. Exhibit 7.35: Among Covered Workers with a Separate Per Person Out-of-Pocket Maximum for Family Coverage, Distribution of Out-of-Pocket Maximums, by Plan Type, 2014
    36. Exhibit 7.36: Among Covered Workers with a Separate Per Person Out-of-Pocket Maximum for Family Coverage, Distribution of Number of Family Members Required to Meet the Maximum, by Plan Type, 2014
    37. Exhibit 7.37: Among Covered Workers, The Prevalence and Value of Out-of-Pocket Maximums for Single Coverage, 2006-2014
    Section Eight: High-Deductible Health Plans with Savings Option
    View Exhibits
    1. Exhibit 8.1: Among Firms Offering Health Benefits, Percentage That Offer an HDHP/HRA and/or an HSA-Qualified HDHP, 2005-2014
    2. Exhibit 8.2: Among Firms Offering Health Benefits, Percentage That Offer an HDHP/SO, by Firm Size, 2014
    3. Exhibit 8.3: Among Firms Offering Health Benefits, Percentage That Offer an HDHP/SO, by Firm Size, 2005-2014
    4. Exhibit 8.4: Percentage of Covered Workers Enrolled in an HDHP/SO, 2006-2014
    5. Exhibit 8.5: Percentage of Covered Workers Enrolled in an HDHP/HRA or HSA-Qualified HDHP, 2006-2014
    6. Exhibit 8.6: Percentage of Covered Workers Enrolled in an HDHP/HRA or HSA-Qualified HDHP, by Firm Size, 2014
    7. Exhibit 8.7: HDHP/HRA and HSA-Qualified HDHP Features for Covered Workers, 2014
    8. Exhibit 8.8: Average Annual Premiums and Contributions to Savings Accounts for Covered Workers in HDHP/HRAs or HSA-Qualified HDHPs, Compared to All Non-HDHP/SO Plans, 2014
    9. Exhibit 8.9: Distribution of Covered Workers with the Following General Annual Deductible Amounts for Single Coverage, HSA-Qualified HDHPs and HDHP/HRAs, 2014
    10. Exhibit 8.10: Among Covered Workers, Distribution of Type of General Annual Deductible for Family Coverage, HDHP/HRAs and HSA-Qualified HDHPs, 2014
    11. Exhibit 8.11: Distribution of Covered Workers with the Following Aggregate Family Deductible Amounts, HDHP/HRAs and HSA-Qualified HDHPs, 2014
    12. Exhibit 8.12: Percentage of Covered Workers with Coverage for the Following Services Without Having to First Meet the Deductible, HDHP/HRAs, by Firm Size, 2014
    13. Exhibit 8.13: Percentage of Covered Workers in Partially or Fully Self-Funded HDHP/HRAs and HSA-Qualified HDHPs, 2014
    14. Exhibit 8.14: Distribution of Covered Workers with the Following Annual Employer Contributions to their HRA or HSA, for Single Coverage, 2014
    15. Exhibit 8.15: Distribution of Covered Workers with the Following Annual Employer Contributions to their HRA or HSA, for Family Coverage, 2014
    16. Exhibit 8.16: Distribution of Firm Contributions to the HRA for Single and Family Coverage Relative to the Average Annual Firm Contribution to the HRA, 2014
    17. Exhibit 8.17: Distribution of Firm Contributions to the HSA for Single and Family Coverage Relative to the Average Annual Firm Contribution to the HSA, 2014
    18. Exhibit 8.18: Distribution of Covered Workers in HDHP/HRAs and HSA-Qualified HDHPs with the Following Types of Cost Sharing in Addition to the General Annual Deductible, 2014
    Section Nine: Prescription Drug Benefits
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    1. Exhibit 9.1: Distribution of Covered Workers Facing Different Cost-Sharing Formulas for Prescription Drug Benefits, 2000-2014
    2. Exhibit 9.2: Distribution of Covered Workers Facing Different Cost-Sharing Formulas for Prescription Drug Benefits, by Plan Type, 2014
    3. Exhibit 9.3: Among Workers with Three, Four, or More Tiers of Cost Sharing, Distribution of Covered Workers with the Following Types of Cost Sharing for Prescription Drugs, by Drug Tier and Plan Type, 2014
    4. Exhibit 9.4: Among Covered Workers with Three, Four, or More Tiers of Prescription Cost Sharing, Average Copayments and Average Coinsurance by Drug Type, 2000-2014
    5. Exhibit 9.5: Among Workers with Two Tiers of Cost Sharing for Prescription Drugs, Distribution of Covered Workers with the Following Types of Cost Sharing for Prescription Drugs, by Drug and Plan Type, 2014
    6. Exhibit 9.6: Among Covered Workers with Two Tiers of Prescription Cost Sharing, Average Copayments and Average Coinsurance, by Drug Type, 2000-2014
    7. Exhibit 9.7: Among Workers with the Same Cost Sharing Regardless of Type of Drug, Distribution of Covered Workers with the Following Types of Cost Sharing for Prescription Drugs, by Plan Type, 2014
    8. Exhibit 9.8: Among Covered Workers with the Same Cost Sharing Regardless of Type of Drug, Average Copayments and Average Coinsurance, 2000-2014
    9. Exhibit 9.9: Distribution of Coinsurance Structures for Covered Workers Facing a Coinsurance for Prescription Drugs, by Drug Tier, 2014
    Section Ten: Plan Funding
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    1. Exhibit 10.1: Percentage of Covered Workers in Partially or Completely Self-Funded Plans, by Firm Size, 1999-2014
    2. Exhibit 10.2: Percentage of Covered Workers in Partially or Completely Self-Funded Plans, by Firm Size, 1999-2014
    3. Exhibit 10.3: Percentage of Covered Workers in Partially or Completely Self-Funded Plans, by Plan Type, 1999-2014
    4. Exhibit 10.4: Percentage of Covered Workers in Partially or Completely Self-Funded Plans, by Firm Size, Region, and Industry, 2014
    5. Exhibit 10.5: Percentage of Covered Workers in Partially or Completely Self-Funded Plans, by Plan Type and Firm Size, 2014
    6. Exhibit 10.6: Percentage of Covered Workers in Partially or Completely Self-Funded HMO Plans, by Firm Size, 1999-2014
    7. Exhibit 10.7: Percentage of Covered Workers in Partially or Completely Self-Funded PPO Plans, by Firm Size, 1999-2014
    8. Exhibit 10.8: Percentage of Covered Workers in Partially or Completely Self-Funded POS Plans, by Firm Size, 1999-2014
    9. Exhibit 10.9: Percentage of Covered Workers in Partially or Completely Self-Funded HDHP/SOs, by Firm Size, 2006-2014
    10. Exhibit 10.10: Percentage of Covered Workers Enrolled in a Partially or Completely Self-Funded Plan Covered by Stoploss Insurance, by Firm Size, Region, and Industry, 2014
    11. Exhibit 10.11: Prevalence and Average Attachment Points of Stoploss Insurance, by Firm Size and Region, 2014
    12. Exhibit 10.12: Percentage of Covered Workers Enrolled in Partially or Completely Self-Insured Plans which Purchase Different Types of Stoploss Insurance, by Firm Size, 2014
    Section Eleven: Retiree Health Benefits
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    1. Exhibit 11.1: Among All Large Firms (200 or More Workers) Offering Health Benefits to Active Workers, Percentage of Firms Offering Retiree Health Benefits, 1988-2014
    2. Exhibit 11.2: Among Large Firms (200 or More Workers) Offering Health Benefits to Active Workers, Percentage of Firms Offering Retiree Health Benefits, by Firm Size, Region, and Industry, 2014
    3. Exhibit 11.3: Among All Large Firms (200 or More Workers) Offering Health Benefits to Active Workers, Percentage of Firms Offering Retiree Health Benefits, by Firm Characteristics, 2014
    4. Exhibit 11.4: Among All Large Firms (200 or More Workers) Offering Health Benefits to Active Workers and Offering Retiree Coverage, Percentage of Firms Offering Health Benefits to Early and Medicare-Age Retirees, 2000–2014
    5. Exhibit 11.5: Among All Large Firms (200 or More Workers) Offering Health Benefits to Active Workers and Offering Retiree Coverage, Percentage of Firms Offering Retiree Health Benefits to Early and Medicare-Age Retirees, by Firm Size, Region, and Industry, 2014
    6. Exhibit 11.6: Among All Large Firms (200 or More Workers) Offering Health Benefits to Active Workers and Offering Retiree Coverage, Percentage of Firms Whose Retiree Health Benefits Cover Only Prescription Drugs, by Firm Size, Region, and Industry, 2014
    7. Exhibit 11.7: Among All Large Firms (200 or More Workers) Offering Health Benefits to Active Workers and Retirees, Percentage of Firms Who Offer Retiree Coverage through a Private Exchange, by Firm Size and Region, 2014
    8. Exhibit 11.8: Among All Large Firms (200 or More Workers) Offering Health Benefits to Active Workers and Retirees, Percentage of Firms Considering Changing the way they Offer Retiree Coverage Because of Healthcare Exchanges, by Firm Size and Region, 2014
    Section Twelve: Wellness Programs and Health Risk Assessments
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    1. Exhibit 12.1: Among Firms Offering Health Benefits, Percentage Offering a Particular Wellness Program to Their Employees, by Firm Size, Region, and Industry, 2014
    2. Exhibit 12.2: Among Firms Offering Health Benefits, Percentage Offering a Particular Wellness Program to Their Employees, by Firm Size, Region, and Industry, 2014
    3. Exhibit 12.3: Among Firms Offering Health Benefits, Percentage Offering a Particular Wellness Program to Their Employees, by Firm Size, 2014
    4. Exhibit 12.4: Among Firms Offering Health and Wellness Benefits, Percentage of Firms Providing Wellness Benefits Through the Plan or Firm, by Firm Size and Region, 2014
    5. Exhibit 12.5: Among Firms Offering Health and Wellness Benefits, Percentage of Firms That Offer Specific Incentives to Employees Who Participate in Wellness Programs, by Firm Size and Region, 2014
    6. Exhibit 12.6: Among Offering Firms that Provide Incentives to Employees Who Participate in Wellness Programs, Firms’ Opinions on How Effective Incentives are for Employee Participation, by Firm Size, 2014
    7. Exhibit 12.7: Among Large Firms (200 or more Workers) that Offer Health and Wellness Benefits, the Percentage that Offer Incentives for Completing Wellness Programs and the Maximum Value of the Incentive, by Firm Size, 2014
    8. Exhibit 12.8: Among Firms Offering Health Benefits, Percentage of Firms That Offer Employees the Opportunity to Complete a Health Risk Assessment, by Firm Size, Region and Industry, 2014
    9. Exhibit 12.9: Among Large Firms (200 or More Workers) That Offer Health Benefits and Provide Employees the Opportunity to Complete a Health Risk Assessment, The Percentage of Firms that have Incentives and Penalties for Various Employee Actions, by Firm Size, 2014
    10. Exhibit 12.10: Among Large Firms (200 or More Workers) that Offer Health Benefits and Provide Employees the Opportunity to Complete a Health Risk Assessment, the Percent that Offer Financial Incentives Upon Completion and the Maximum Value of the Incentive, 2014
    11. Exhibit 12.11: Among Large Firms that Offer Health Benefits and Provide Employees the Opportunity to Complete a Health Risk Assessment, the Percent that Require Employees with an Identified Health Risk Factor to Complete a Wellness Program or Face a Financial Penalty and the Maximum Value of the Penalty, 2014
    12. Exhibit 12.12: Among Large Firms (200 or More Workers) Offering Health Benefits and Biometric Screenings, the Use of Incentives or Penalties for Various Activities, 2014
    13. Exhibit 12.13: Among Large Firms (200 or More Workers) Offering Health Benefits and Biometric Screenings, the Use and Value of Incentives, 2014
    14. Exhibit 12.14: Among Firms Offering Health Benefits, Percentage of Firms That Offer Employees the Opportunity to Complete a Health Risk Assessment, by Firm Size, 2008-2014
    Section Fourteen: Employer Opinions and Health Plan Practices
    View Exhibits
    1. Exhibit 14.1: Among Firms Offering Health Benefits, Distribution of Firms’ Opinions on the Effectiveness of the Following Strategies to Contain Health Insurance Costs, by Firm Size, 2014
    2. Exhibit 14.2: Among Firms Offering Health Benefits, Distribution of Firms’ Opinions on the Effectiveness of the Following Strategies to Contain Health Insurance Costs, 2014
    3. Exhibit 14.3: Among Firms Offering Health Benefits, Percentage of Firms That Shopped For a New Plan or Health Insurance Carrier in the Past Year, by Firm Size, 2014
    4. Exhibit 14.4: Among Firms Offering Health Benefits That Shopped for a New Plan or Insurance Carrier, Percentage Reporting That They Changed Insurance Carriers, by Firm Size, 2014
    5. Exhibit 14.5: Among Firms Offering Health Benefits, Percentage of Firms Whose Largest Plan Includes a High-Performance Provider Network, by Firm Size and Region, 2007-2014
    6. Exhibit 14.6: Among Offering Firms Whose Largest Plan Includes a High-Performance Provider Network, What Criteria Determines Tiers, by Firm Size, 2014
    7. Exhibit 14.7: Among Firms Offering Health Benefits With More than 50 Employees, Percentage of Firms Whose Largest Plan Includes Reference Pricing for Any Service, by Firm Size, 2014
    8. Exhibit 14.8: Among Firms Offering Health Benefits With 200 or More Employees, Percentage of Firms Who Offer a Narrow Network Plan, by Firm Size, 2014
    9. Exhibit 14.9: Percentage of Offering Firms whose Largest Plan Covers Care Received at Retail Clinics and, of Those, Percentage of Firms who Offer a Financial Incentive to do so, by Firm Size, 2014
    10. Exhibit 14.10: Among Large (200 or More Employees), Offering Firms, Percentage of Firms whose Largest Plan has Various Features, 2014
    11. Exhibit 14.11: Among Large (200 or More Employees) Offering Firms, Percentage Considering Offering Benefits Through a Private Exchange, by Firm Size and Region, 2014
    12. Exhibit 14.12: Among Large Firms (200 or More Workers), Percentage of Covered Workers Enrolled at a Firm Offering Benefits Through a Private or Corporate Exchange, by Firm Size, 2014
    13. Exhibit 14.13: Among Firms Offering Health Benefits, Percentage of Firms Which Provide Additional Incentives to Employees Based on their Enrollment Decisions, by Firm Size and Region, 2014
    x

    Exhibit 1.1

    Average Monthly and Annual Premiums for Covered Workers, Single and Family Coverage, by Plan Type, 2014
    x

    Exhibit 1.2

    Average Monthly and Annual Premiums for Covered Workers, by Plan Type and Firm Size, 2014
    x

    Exhibit 1.3

    Average Monthly and Annual Premiums for Covered Workers, by Plan Type and Region, 2014
    x

    Exhibit 1.4

    Average Monthly and Annual Premiums for Covered Workers, by Plan Type and Industry, 2014
    x

    Exhibit 1.5

    Average Annual Premiums for Covered Workers with Single Coverage, by Firm Characteristics, 2014
    x

    Exhibit 1.6

    Average Annual Premiums for Covered Workers with Family Coverage, by Firm Characteristics, 2014
    x

    Exhibit 1.7

    Distribution of Annual Premiums for Single and Family Coverage Relative to the Average Annual Single or Family Premium, 2014
    x

    Exhibit 1.8

    Distribution of Premiums for Single and Family Coverage Relative to the Average Annual Single or Family Premium, 2014
    x

    Exhibit 1.9

    Distribution of Annual Premiums for Covered Workers with Single Coverage, 2014
    x

    Exhibit 1.10

    Distribution of Annual Premiums for Covered Workers with Family Coverage, 2014
    x

    Exhibit 1.11

    Average Annual Premiums for Single and Family Coverage, 1999-2014
    x

    Exhibit 1.12

    Average Annual Premiums for Covered Workers with Family Coverage, by Firm Size, 1999-2014
    x

    Exhibit 1.13

    Average Annual Premiums for Covered Workers with Family Coverage, by Firm Size, 1999-2014
    x

    Exhibit 1.14

    Average Annual Premiums for Covered Workers with Single Coverage, by Income Level, 1999-2014
    x

    Exhibit 1.15

    Average Annual Premiums for Covered Workers with Family Coverage, by Income Level, 1999-2014
    x

    Exhibit 1.16

    Average Premium Increases for Covered Workers with Family Coverage, 1999-2014
    x

    Exhibit 1.17

    Among Workers in Large Firms (200 or More Workers), Average Annual Health Insurance Premiums for Family Coverage, by Funding Arrangement, 1999-2014
    x

    Exhibit 2.1

    Percentage of Firms Offering Health Benefits, 1999–2014
    x

    Exhibit 2.2

    Percentage of Firms Offering Health Benefits, by Firm Size, 1999-2014
    x

    Exhibit 2.3

    Percentage of Firms Offering Health Benefits, by Firm Size, Region, and Industry, 2014
    x

    Exhibit 2.4

    Percentage of Firms Offering Health Benefits, by Firm Characteristics, 2014
    x

    Exhibit 2.5

    Among Firms Offering Health Benefits, Percentage that Offer Health Benefits to Part-Time Workers, by Firm Size, 1999-2014
    x

    Exhibit 2.6

    Among Firms Offering Health Benefits, Percentage that Offer Health Benefits to Temporary Workers, by Firm Size, 1999-2014
    x

    Exhibit 2.7

    Among Firms Offering Health Benefits, Percentage That Offer Health Benefits to Part-Time Workers, by Firm Size, 1999–2014
    x

    Exhibit 2.8

    Among Firms Offering Health Benefits, Percentage That Offer Health Benefits to Temporary Workers, by Firm Size, 1999–2014
    x

    Exhibit 2.9

    Percentage of Firms Offering Health Benefits That Offer or Contribute to a Separate Benefit Plan Providing Dental or Vision Benefits, by Firm Size and Region, 2014
    x

    Exhibit 2.10

    Among Firms Offering Health Benefits, Percentage That Offer or Contribute to a Separate Benefit Plan Providing Dental or Vision Benefits, by Firm Size, 2000-2014
    x

    Exhibit 2.11

    Among Firms Offering Benefits, Percent of Firms Which Offer Coverage to Spouses, Dependents and Partners, 2014
    x

    Exhibit 2.12

    Among Firms Offering Benefits, Percent of Firms Which Offer Coverage to Same-Sex and Opposite-Sex Domestic Partners, 2014
    x

    Exhibit 2.13

    Among Firms Offering Health Benefits, Percent of Employers That Offer Health Benefits to Unmarried Same-Sex and Opposite-Sex Domestic Partners, by Firm Size, 2008-2014
    x

    Exhibit 2.14

    Among Firms Offering Benefits to Dependents, Limits on the Coverage Eligibility of Spouses, by Firm Size, 2014
    x

    Exhibit 2.15

    Among Small Firms (3-199 Workers) Not Offering Health Benefits, the Most Important Reason The Firm Does Not Offer, 2014
    x

    Exhibit 2.16

    Among Small Firms (3-199 Workers) Not Offering Health Benefits, Percentage That Report the Following Activities, 2007-2014
    x

    Exhibit 2.17

    Among Small Firms (3-199 Workers) Not Offering Health Benefits, Percentage That Provide Employees Funds to Purchase Non-Group Insurance, 2012-2014
    x

    Exhibit 2.18

    Among Small Firms (3-199 Workers) Not Offering Health Benefits, Employees' Preference for Higher Wages or Health Insurance Benefits, 2003-2014
    x

    Exhibit 2.19

    Among Small Firms (3-199 Workers) Not Offering Benefits, Amount The Firm Believe That It Could Afford to Pay Monthly for Health Insurance Coverage for an Employee with Single Coverage, 2005–2014
    x

    Exhibit 2.20

    Among Small Firms (3–199 Workers) Not Offering Benefits, Percent of the Firm's Employees which the Firm Believes are Covered from Another Source, 2014
    x

    Exhibit 2.21

    Among Small Firms (3 to 75 Workers) Not Offering and Offering Health Benefits, Percentage of Firms Who Looked At Purchasing Coverage through a SHOP Exchange, by Firm Size and Region, 2014
    x

    Exhibit 2.22

    Among Small Firms (3 to 75 Workers) Not Offering Health Benefits who Determined they were Eligible to Purchase Coverage on a SHOP Exchange, Reasons Why They Did Not Select a Plan, 2014
    x

    Exhibit 3.1

    Percentage of All Workers Covered by Their Employers’ Health Benefits, in Firms Both Offering and Not Offering Health Benefits, by Firm Size, 1999-2014
    x

    Exhibit 3.2

    Eligibility, Take-Up Rate, and Coverage in Firms Offering Health Benefits, by Firm Size, Region, and Industry, 2014
    x

    Exhibit 3.3

    Among Workers in Firms Offering Health Benefits, Percentage of Workers Eligible for Health Benefits Offered by Their Firm, by Firm Characteristics, 2014
    x

    Exhibit 3.4

    Among Workers in Firms Offering Health Benefits, Percentage of Eligible Workers Who Take Up Health Benefits Offered by Their Firm, by Firm Characteristics, 2014
    x

    Exhibit 3.5

    Among Workers in Firms Offering Health Benefits, Percentage of Workers Covered by Health Benefits Offered by Their Firm, by Firm Characteristics, 2014
    x

    Exhibit 3.6

    Eligibility, Take-Up Rate, and Coverage for Workers in Firms Offering Health Benefits, by Firm Size, 1999-2014
    x

    Exhibit 3.7

    Among Firms Offering Health Benefits, the Percent of Firms that Changed their Eligibility Criteria for Coverage in the Last Year, by Firm Size, Region, and Industry, 2014
    x

    Exhibit 3.8

    Percentage of Covered Workers in Firms with a Waiting Period for Coverage and Average Waiting Period in Months, by Firm Size, Region, and Industry, 2014
    x

    Exhibit 3.9

    Distribution of Covered Workers with the Following Waiting Periods for Coverage, 2014
    x

    Exhibit 3.10

    Among Firms with a Waiting Period the Percentage of Firms who Changed the Length of their Waiting Period During the Last Year, 2014
    x

    Exhibit 3.11

    Percentage of Covered Workers in Firms with a Waiting Period for Coverage and Average Waiting Period in Months, by Firm Size, Region, and Industry, 2002-2014
    x

    Exhibit 4.1

    Among Firms Offering Health Benefits, Percentage of Firms That Offer One, Two, or Three or More Plan Types, by Firm Size, 2014
    x

    Exhibit 4.2

    Percentage of Covered Workers in Firms Offering One, Two, or Three or More Plan Types, by Firm Size, 2014
    x

    Exhibit 4.3

    Among Firms Offering Health Benefits, Percentage of Firms That Offer the Following Plan Types, by Firm Size, 2014
    x

    Exhibit 4.4

    Among Firms Offering Health Benefits, Percentage of Covered Workers in Firms That Offer the Following Plan Types, by Firm Size, 2014
    x

    Exhibit 4.5

    Among Firms Offering Only One Type of Health Plan, Percentage of Covered Workers in Firms That Offer the Following Plan Type, by Firm Size, 2014
    x

    Exhibit 5.1

    Distribution of Health Plan Enrollment for Covered Workers, by Plan Type, 1988-2014
    x

    Exhibit 5.2

    Distribution of Health Plan Enrollment for Covered Workers, by Plan Type and Firm Size, 2014
    x

    Exhibit 5.3

    Distribution of Health Plan Enrollment for Covered Workers, by Firm Size, Region, and Industry, 2014
    x

    Exhibit 6.1

    Average Percentage of Premium Paid by Covered Workers for Single and Family Coverage, 1999-2014
    x

    Exhibit 6.2

    Average Monthly Worker Premium Contributions Paid by Covered Workers for Single and Family Coverage, 1999-2014
    x

    Exhibit 6.3

    Average Annual Worker and Employer Contributions to Premiums and Total Premiums for Single Coverage, 1999-2014
    x

    Exhibit 6.4

    Average Annual Worker and Employer Contributions to Premiums and Total Premiums for Family Coverage, 1999-2014
    x

    Exhibit 6.5

    Average Annual Firm and Worker Premium Contributions and Total Premiums for Covered Workers for Single and Family Coverage, by Plan Type, 2014
    x

    Exhibit 6.6

    Average Annual Worker Contributions for Covered Workers with Single Coverage, by Firm Size, 1999-2014
    x

    Exhibit 6.7

    Average Annual Worker Contributions for Covered Workers with Family Coverage, by Firm Size, 1999-2014
    x

    Exhibit 6.8

    Average Annual Worker Premium Contributions Paid by Covered Workers for Single and Family Coverage, by Firm Size, 1999-2014
    x

    Exhibit 6.9

    Average Annual Firm and Worker Premium Contributions and Total Premiums for Covered Workers for Single Coverage, by Plan Type and Firm Size, 2014
    x

    Exhibit 6.10

    Average Annual Firm and Worker Premium Contributions and Total Premiums for Covered Workers for Family Coverage, by Plan Type and Firm Size, 2014
    x

    Exhibit 6.11

    Average Monthly and Annual Worker Premium Contributions Paid by Covered Workers for Single and Family Coverage, by Plan Type and Firm Size, 2014
    x

    Exhibit 6.12

    Average Monthly and Annual Worker Premium Contributions Paid by Covered Workers for Single and Family Coverage, by Plan Type and Region, 2014
    x

    Exhibit 6.13

    Average Premium Contribution Paid by Covered Workers for Single and Family Coverage, by Firm Characteristics, 2014
    x

    Exhibit 6.14

    Average Monthly Worker Premium Contributions Paid by Covered Workers for Single and Family Coverage, by Plan Type, 1999-2014
    x

    Exhibit 6.15

    Distribution of Worker Premium Contributions for Single and Family Coverage Relative to the Average Annual Worker Premium Contribution, 2014
    x

    Exhibit 6.16

    Distribution of Percentage of Premium Paid by Covered Workers for Single and Family Coverage, 2002-2014
    x

    Exhibit 6.17

    Distribution of Percentage of Premium Paid by Covered Workers for Single Coverage, by Firm Size, 2002-2014
    x

    Exhibit 6.18

    Distribution of Percentage of Premium Paid by Covered Workers for Family Coverage, by Firm Size, 2002-2014
    x

    Exhibit 6.19

    Distribution of the Percentage of Total Premium Paid by Covered Workers for Single and Family Coverage, by Wage Level, 2014
    x

    Exhibit 6.20

    Average Percentage of Premium Paid by Covered Workers for Single Coverage, by Firm Characteristics and Size, 2014
    x

    Exhibit 6.21

    Average Percentage of Premium Paid by Covered Workers for Family Coverage, by Firm Characteristics and Size, 2014
    x

    Exhibit 6.22

    Average Percentage of Premium Paid by Covered Workers for Single and Family Coverage, by Plan Type and Firm Size, 2014
    x

    Exhibit 6.23

    Average Percentage of Premium Paid by Covered Workers for Single and Family Coverage, by Plan Type, 1999-2014
    x

    Exhibit 6.24

    Average Percentage of Premium Paid by Covered Workers for Single and Family Coverage, by Plan Type and Region, 2014
    x

    Exhibit 6.25

    Average Percentage of Premium Paid by Covered Workers, by Plan Type and Industry, 2014
    x

    Exhibit 6.26

    Among Firms Offering Health Benefits with Fewer Than 20 Employees, Variations in Premiums and Firm Premium Contributions for Single Coverage, 2014
    x

    Exhibit 6.27

    Among Firms Offer Health Benefits, Percentage of Firms with a Policy Where Lower-Wage Workers Contribute a Lower Percentage of the Premium than Higher-Wage Workers, 2014
    x

    Exhibit 6.28

    Average Annual Worker Contributions for Covered Workers with Family Coverage, by Income Level, 1999-2014
    x

    Exhibit 7.1

    Percent of Covered Workers with No General Annual Health Plan Deductible for Single and Family Coverage, by Plan Type and Firm Size, 2014
    x

    Exhibit 7.2

    Percent of Covered Workers in a Plan which Includes a General Annual Deductible for Single Coverage, By Plan Type, 2006-2014
    x

    Exhibit 7.3

    Percent of Covered Workers in a Plan which Includes a General Annual Deductible and Average Deductible, By Firm Characteristics, 2014
    x

    Exhibit 7.4

    Among Covered Workers with No General Annual Health Plan Deductible for Single and Family Coverage, Percent Who Have the Following Types of Cost Sharing, by Plan Type, 2014
    x

    Exhibit 7.5

    Among Covered Workers with a General Annual Health Plan Deductible for Single Coverage, Average Deductible, by Plan Type and Firm Size, 2014
    x

    Exhibit 7.6

    Among Covered Workers with a General Annual Health Plan Deductible for Single Coverage, Average Deductible, by Plan Type and Region, 2014
    x

    Exhibit 7.7

    Among Covered Workers with a General Annual Health Plan Deductible for Single Coverage, Average Deductible, by Plan Type, 2006-2014
    x

    Exhibit 7.8

    Percentage of Covered Workers Enrolled in a Plan with a High General Annual Deductible for Single Coverage, By Firm Size, 2014
    x

    Exhibit 7.9

    Percentage of Covered Workers Enrolled in a Plan with a General Annual Deductible of $1,000 or More for Single Coverage, By Firm Size, 2006-2014
    x

    Exhibit 7.10

    Percentage of Covered Workers Enrolled in a Plan with a General Annual Deductible of $2,000 or More for Single Coverage, By Firm Size, 2006-2014
    x

    Exhibit 7.11

    Among Covered Workers with a General Annual Health Plan Deductible for Single PPO Coverage, Distribution of Deductibles, 2006-2014
    x

    Exhibit 7.12

    Among Covered Workers With a General Annual Health Plan Deductible for Single POS Coverage, Distribution of Deductibles, 2006-2014
    x

    Exhibit 7.13

    Distribution of Type of General Annual Deductible for Covered Workers with Family Coverage, by Plan Type and Firm Size, 2014
    x

    Exhibit 7.14

    Among Covered Workers with a General Annual Health Plan Deductible, Average Deductibles for Family Coverage, by Deductible Type, Plan Type, and Firm Size, 2014
    x

    Exhibit 7.15

    Among Covered Workers with an Aggregate General Annual Health Plan Deductible for Family Coverage, Average Deductibles, by Plan Type, 2006-2014
    x

    Exhibit 7.16

    Among Covered Workers with a Separate Per Person General Annual Health Plan Deductible for Family Coverage, Distribution of Deductibles, by Plan Type, 2014
    x

    Exhibit 7.17

    Among Covered Workers with an Aggregate General Annual Health Plan Deductible for Family Coverage, Distribution of Deductibles, By Plan Type, 2014
    x

    Exhibit 7.18

    Among Covered Workers With a Separate Per Person General Annual Health Plan Deductible for Family Coverage, Structure of Deductible Limits, By Plan Type, 2014
    x

    Exhibit 7.19

    Among Covered Workers With a Separate Per Person General Annual Health Plan Deductible for Family Coverage, Distribution of Maximum Number of Family Members Required to Meet the Deductible, by Plan Type, 2014
    x

    Exhibit 7.20

    Among Covered Workers With an Aggregate General Annual Health Plan Deductible for Family Coverage, Distribution of Aggregate Deductibles, by Plan Type, 2006-2014
    x

    Exhibit 7.21

    Among Covered Workers with a General Annual Health Plan Deductible, Percentage with Coverage for the Following Services Without Having to First Meet the Deductible, by Plan Type, 2014
    x

    Exhibit 7.22

    Distribution of Covered Workers With Separate Cost Sharing for a Hospital Admission in Addition to Any General Annual Deductible, by Plan Type, 2014
    x

    Exhibit 7.23

    Distribution of Covered Workers with Separate Cost Sharing for an Outpatient Surgery Episode in Addition to Any General Annual Deductible, by Plan Type, 2014
    x

    Exhibit 7.24

    Among Covered Workers with Separate Cost Sharing for a Hospital Admission or Outpatient Surgery Episode in Addition to Any General Annual Deductible, Average Cost Sharing, by Plan Type, 2014
    x

    Exhibit 7.25

    In Addition to Any General Annual Plan Deductible, Percentage of Covered Workers with the Following Types of Cost Sharing for Physician Office Visits, by Plan Type, 2014
    x

    Exhibit 7.26

    Among Covered Workers with Copayments and/or Coinsurance for In-Network Physician Office Visits, Average Copayments and Coinsurance, by Plan Type, 2014
    x

    Exhibit 7.27

    Among Covered Workers with Copayments for a Physician Office Visit with a Primary Care Physician, Distribution of Copayments, by Plan Type, 2014
    x

    Exhibit 7.28

    Among Covered Workers with Copayments for a Physician Office Visit with a Specialty Care Physician, Distribution of Copayments, by Plan Type, 2014
    x

    Exhibit 7.29

    Among Covered Workers with Copayments for a Physician Office Visit with a Primary Care Physician, Distribution of Copayments, 2006-2014
    x

    Exhibit 7.30

    Among Covered Workers with Copayments for a Physician Office Visit with a Specialty Care Physician, Distribution of Copayments, 2006-2014
    x

    Exhibit 7.31

    Percentage of Covered Workers without an Annual Out-of-Pocket Maximum for Single and Family Coverage, by Plan Type, 2014
    x

    Exhibit 7.32

    Among Covered Workers with an Out-of-Pocket Maximum for Single Coverage, Distribution of Out-of-Pocket Maximums, by Plan Type, 2014
    x

    Exhibit 7.33

    Distribution of Type of Out-of-Pocket Maximum for Covered Workers with Family Coverage, by Plan Type and Firm Size, 2014
    x

    Exhibit 7.34

    Among Covered Workers with an Aggregate Out-of-Pocket Maximum for Family Coverage, Distribution of Out-of-Pocket Maximums, by Plan Type, 2014
    x

    Exhibit 7.35

    Among Covered Workers with a Separate Per Person Out-of-Pocket Maximum for Family Coverage, Distribution of Out-of-Pocket Maximums, by Plan Type, 2014
    x

    Exhibit 7.36

    Among Covered Workers with a Separate Per Person Out-of-Pocket Maximum for Family Coverage, Distribution of Number of Family Members Required to Meet the Maximum, by Plan Type, 2014
    x

    Exhibit 7.37

    Among Covered Workers, The Prevalence and Value of Out-of-Pocket Maximums for Single Coverage, 2006-2014
    x

    Exhibit 8.1

    Among Firms Offering Health Benefits, Percentage That Offer an HDHP/HRA and/or an HSA-Qualified HDHP, 2005-2014
    x

    Exhibit 8.2

    Among Firms Offering Health Benefits, Percentage That Offer an HDHP/SO, by Firm Size, 2014
    x

    Exhibit 8.3

    Among Firms Offering Health Benefits, Percentage That Offer an HDHP/SO, by Firm Size, 2005-2014
    x

    Exhibit 8.4

    Percentage of Covered Workers Enrolled in an HDHP/SO, 2006-2014
    x

    Exhibit 8.5

    Percentage of Covered Workers Enrolled in an HDHP/HRA or HSA-Qualified HDHP, 2006-2014
    x

    Exhibit 8.6

    Percentage of Covered Workers Enrolled in an HDHP/HRA or HSA-Qualified HDHP, by Firm Size, 2014
    x

    Exhibit 8.7

    HDHP/HRA and HSA-Qualified HDHP Features for Covered Workers, 2014
    x

    Exhibit 8.8

    Average Annual Premiums and Contributions to Savings Accounts for Covered Workers in HDHP/HRAs or HSA-Qualified HDHPs, Compared to All Non-HDHP/SO Plans, 2014
    x

    Exhibit 8.9

    Distribution of Covered Workers with the Following General Annual Deductible Amounts for Single Coverage, HSA-Qualified HDHPs and HDHP/HRAs, 2014
    x

    Exhibit 8.10

    Among Covered Workers, Distribution of Type of General Annual Deductible for Family Coverage, HDHP/HRAs and HSA-Qualified HDHPs, 2014
    x

    Exhibit 8.11

    Distribution of Covered Workers with the Following Aggregate Family Deductible Amounts, HDHP/HRAs and HSA-Qualified HDHPs, 2014
    x

    Exhibit 8.12

    Percentage of Covered Workers with Coverage for the Following Services Without Having to First Meet the Deductible, HDHP/HRAs, by Firm Size, 2014
    x

    Exhibit 8.13

    Percentage of Covered Workers in Partially or Fully Self-Funded HDHP/HRAs and HSA-Qualified HDHPs, 2014
    x

    Exhibit 8.14

    Distribution of Covered Workers with the Following Annual Employer Contributions to their HRA or HSA, for Single Coverage, 2014
    x

    Exhibit 8.15

    Distribution of Covered Workers with the Following Annual Employer Contributions to their HRA or HSA, for Family Coverage, 2014
    x

    Exhibit 8.16

    Distribution of Firm Contributions to the HRA for Single and Family Coverage Relative to the Average Annual Firm Contribution to the HRA, 2014
    x

    Exhibit 8.17

    Distribution of Firm Contributions to the HSA for Single and Family Coverage Relative to the Average Annual Firm Contribution to the HSA, 2014
    x

    Exhibit 8.18

    Distribution of Covered Workers in HDHP/HRAs and HSA-Qualified HDHPs with the Following Types of Cost Sharing in Addition to the General Annual Deductible, 2014
    x

    Exhibit 9.1

    Distribution of Covered Workers Facing Different Cost-Sharing Formulas for Prescription Drug Benefits, 2000-2014
    x

    Exhibit 9.2

    Distribution of Covered Workers Facing Different Cost-Sharing Formulas for Prescription Drug Benefits, by Plan Type, 2014
    x

    Exhibit 9.3

    Among Workers with Three, Four, or More Tiers of Cost Sharing, Distribution of Covered Workers with the Following Types of Cost Sharing for Prescription Drugs, by Drug Tier and Plan Type, 2014
    x

    Exhibit 9.4

    Among Covered Workers with Three, Four, or More Tiers of Prescription Cost Sharing, Average Copayments and Average Coinsurance by Drug Type, 2000-2014
    x

    Exhibit 9.5

    Among Workers with Two Tiers of Cost Sharing for Prescription Drugs, Distribution of Covered Workers with the Following Types of Cost Sharing for Prescription Drugs, by Drug and Plan Type, 2014
    x

    Exhibit 9.6

    Among Covered Workers with Two Tiers of Prescription Cost Sharing, Average Copayments and Average Coinsurance, by Drug Type, 2000-2014
    x

    Exhibit 9.7

    Among Workers with the Same Cost Sharing Regardless of Type of Drug, Distribution of Covered Workers with the Following Types of Cost Sharing for Prescription Drugs, by Plan Type, 2014
    x

    Exhibit 9.8

    Among Covered Workers with the Same Cost Sharing Regardless of Type of Drug, Average Copayments and Average Coinsurance, 2000-2014
    x

    Exhibit 9.9

    Distribution of Coinsurance Structures for Covered Workers Facing a Coinsurance for Prescription Drugs, by Drug Tier, 2014
    x

    Exhibit 10.1

    Percentage of Covered Workers in Partially or Completely Self-Funded Plans, by Firm Size, 1999-2014
    x

    Exhibit 10.2

    Percentage of Covered Workers in Partially or Completely Self-Funded Plans, by Firm Size, 1999-2014
    x

    Exhibit 10.3

    Percentage of Covered Workers in Partially or Completely Self-Funded Plans, by Plan Type, 1999-2014
    x

    Exhibit 10.4

    Percentage of Covered Workers in Partially or Completely Self-Funded Plans, by Firm Size, Region, and Industry, 2014
    x

    Exhibit 10.5

    Percentage of Covered Workers in Partially or Completely Self-Funded Plans, by Plan Type and Firm Size, 2014
    x

    Exhibit 10.6

    Percentage of Covered Workers in Partially or Completely Self-Funded HMO Plans, by Firm Size, 1999-2014
    x

    Exhibit 10.7

    Percentage of Covered Workers in Partially or Completely Self-Funded PPO Plans, by Firm Size, 1999-2014
    x

    Exhibit 10.8

    Percentage of Covered Workers in Partially or Completely Self-Funded POS Plans, by Firm Size, 1999-2014
    x

    Exhibit 10.9

    Percentage of Covered Workers in Partially or Completely Self-Funded HDHP/SOs, by Firm Size, 2006-2014
    x

    Exhibit 10.10

    Percentage of Covered Workers Enrolled in a Partially or Completely Self-Funded Plan Covered by Stoploss Insurance, by Firm Size, Region, and Industry, 2014
    x

    Exhibit 10.11

    Prevalence and Average Attachment Points of Stoploss Insurance, by Firm Size and Region, 2014
    x

    Exhibit 10.12

    Percentage of Covered Workers Enrolled in Partially or Completely Self-Insured Plans which Purchase Different Types of Stoploss Insurance, by Firm Size, 2014
    x

    Exhibit 11.1

    Among All Large Firms (200 or More Workers) Offering Health Benefits to Active Workers, Percentage of Firms Offering Retiree Health Benefits, 1988-2014
    x

    Exhibit 11.2

    Among Large Firms (200 or More Workers) Offering Health Benefits to Active Workers, Percentage of Firms Offering Retiree Health Benefits, by Firm Size, Region, and Industry, 2014
    x

    Exhibit 11.3

    Among All Large Firms (200 or More Workers) Offering Health Benefits to Active Workers, Percentage of Firms Offering Retiree Health Benefits, by Firm Characteristics, 2014
    x

    Exhibit 11.4

    Among All Large Firms (200 or More Workers) Offering Health Benefits to Active Workers and Offering Retiree Coverage, Percentage of Firms Offering Health Benefits to Early and Medicare-Age Retirees, 2000–2014
    x

    Exhibit 11.5

    Among All Large Firms (200 or More Workers) Offering Health Benefits to Active Workers and Offering Retiree Coverage, Percentage of Firms Offering Retiree Health Benefits to Early and Medicare-Age Retirees, by Firm Size, Region, and Industry, 2014
    x

    Exhibit 11.6

    Among All Large Firms (200 or More Workers) Offering Health Benefits to Active Workers and Offering Retiree Coverage, Percentage of Firms Whose Retiree Health Benefits Cover Only Prescription Drugs, by Firm Size, Region, and Industry, 2014
    x

    Exhibit 11.7

    Among All Large Firms (200 or More Workers) Offering Health Benefits to Active Workers and Retirees, Percentage of Firms Who Offer Retiree Coverage through a Private Exchange, by Firm Size and Region, 2014
    x

    Exhibit 11.8

    Among All Large Firms (200 or More Workers) Offering Health Benefits to Active Workers and Retirees, Percentage of Firms Considering Changing the way they Offer Retiree Coverage Because of Healthcare Exchanges, by Firm Size and Region, 2014
    x

    Exhibit 12.1

    Among Firms Offering Health Benefits, Percentage Offering a Particular Wellness Program to Their Employees, by Firm Size, Region, and Industry, 2014
    x

    Exhibit 12.2

    Among Firms Offering Health Benefits, Percentage Offering a Particular Wellness Program to Their Employees, by Firm Size, Region, and Industry, 2014
    x

    Exhibit 12.3

    Among Firms Offering Health Benefits, Percentage Offering a Particular Wellness Program to Their Employees, by Firm Size, 2014
    x

    Exhibit 12.4

    Among Firms Offering Health and Wellness Benefits, Percentage of Firms Providing Wellness Benefits Through the Plan or Firm, by Firm Size and Region, 2014
    x

    Exhibit 12.5

    Among Firms Offering Health and Wellness Benefits, Percentage of Firms That Offer Specific Incentives to Employees Who Participate in Wellness Programs, by Firm Size and Region, 2014
    x

    Exhibit 12.6

    Among Offering Firms that Provide Incentives to Employees Who Participate in Wellness Programs, Firms’ Opinions on How Effective Incentives are for Employee Participation, by Firm Size, 2014
    x

    Exhibit 12.7

    Among Large Firms (200 or more Workers) that Offer Health and Wellness Benefits, the Percentage that Offer Incentives for Completing Wellness Programs and the Maximum Value of the Incentive, by Firm Size, 2014
    x

    Exhibit 12.8

    Among Firms Offering Health Benefits, Percentage of Firms That Offer Employees the Opportunity to Complete a Health Risk Assessment, by Firm Size, Region and Industry, 2014
    x

    Exhibit 12.9

    Among Large Firms (200 or More Workers) That Offer Health Benefits and Provide Employees the Opportunity to Complete a Health Risk Assessment, The Percentage of Firms that have Incentives and Penalties for Various Employee Actions, by Firm Size, 2014
    x

    Exhibit 12.10

    Among Large Firms (200 or More Workers) that Offer Health Benefits and Provide Employees the Opportunity to Complete a Health Risk Assessment, the Percent that Offer Financial Incentives Upon Completion and the Maximum Value of the Incentive, 2014
    x

    Exhibit 12.11

    Among Large Firms that Offer Health Benefits and Provide Employees the Opportunity to Complete a Health Risk Assessment, the Percent that Require Employees with an Identified Health Risk Factor to Complete a Wellness Program or Face a Financial Penalty and the Maximum Value of the Penalty, 2014
    x

    Exhibit 12.12

    Among Large Firms (200 or More Workers) Offering Health Benefits and Biometric Screenings, the Use of Incentives or Penalties for Various Activities, 2014
    x

    Exhibit 12.13

    Among Large Firms (200 or More Workers) Offering Health Benefits and Biometric Screenings, the Use and Value of Incentives, 2014
    x

    Exhibit 12.14

    Among Firms Offering Health Benefits, Percentage of Firms That Offer Employees the Opportunity to Complete a Health Risk Assessment, by Firm Size, 2008-2014
    x

    Exhibit 13.1

    Percentage of Firms with At Least One Plan Grandfathered under the Affordable Care Act (ACA), by Size, Region and Industry, 2014
    x

    Exhibit 13.2

    Percentage of Covered Workers Enrolled in Plans Grandfathered under the Affordable Care Act (ACA), by Size, Region, and Industry, 2014
    x

    Exhibit 13.3

    Percentage of Covered Workers Enrolled in Plans Grandfathered under the Affordable Care Act (ACA), by Firm Size, 2011 to 2014
    x

    Exhibit 14.1

    Among Firms Offering Health Benefits, Distribution of Firms’ Opinions on the Effectiveness of the Following Strategies to Contain Health Insurance Costs, by Firm Size, 2014
    x

    Exhibit 14.2

    Among Firms Offering Health Benefits, Distribution of Firms’ Opinions on the Effectiveness of the Following Strategies to Contain Health Insurance Costs, 2014
    x

    Exhibit 14.3

    Among Firms Offering Health Benefits, Percentage of Firms That Shopped For a New Plan or Health Insurance Carrier in the Past Year, by Firm Size, 2014
    x

    Exhibit 14.4

    Among Firms Offering Health Benefits That Shopped for a New Plan or Insurance Carrier, Percentage Reporting That They Changed Insurance Carriers, by Firm Size, 2014
    x

    Exhibit 14.5

    Among Firms Offering Health Benefits, Percentage of Firms Whose Largest Plan Includes a High-Performance Provider Network, by Firm Size and Region, 2007-2014
    x

    Exhibit 14.6

    Among Offering Firms Whose Largest Plan Includes a High-Performance Provider Network, What Criteria Determines Tiers, by Firm Size, 2014
    x

    Exhibit 14.7

    Among Firms Offering Health Benefits With More than 50 Employees, Percentage of Firms Whose Largest Plan Includes Reference Pricing for Any Service, by Firm Size, 2014
    x

    Exhibit 14.8

    Among Firms Offering Health Benefits With 200 or More Employees, Percentage of Firms Who Offer a Narrow Network Plan, by Firm Size, 2014
    x

    Exhibit 14.9

    Percentage of Offering Firms whose Largest Plan Covers Care Received at Retail Clinics and, of Those, Percentage of Firms who Offer a Financial Incentive to do so, by Firm Size, 2014
    x

    Exhibit 14.10

    Among Large (200 or More Employees), Offering Firms, Percentage of Firms whose Largest Plan has Various Features, 2014
    x

    Exhibit 14.11

    Among Large (200 or More Employees) Offering Firms, Percentage Considering Offering Benefits Through a Private Exchange, by Firm Size and Region, 2014
    x

    Exhibit 14.12

    Among Large Firms (200 or More Workers), Percentage of Covered Workers Enrolled at a Firm Offering Benefits Through a Private or Corporate Exchange, by Firm Size, 2014
    x

    Exhibit 14.13

    Among Firms Offering Health Benefits, Percentage of Firms Which Provide Additional Incentives to Employees Based on their Enrollment Decisions, by Firm Size and Region, 2014

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